but they do not offer very many phones.

AT&T has been around in the phone business for what seems like forever. They have a pretty good share of the wireless market, and some of their plans are quite reasonable. However, they have competition from newer companies that are cutting into that market. One of those companies is Verizon.

Both companies offer seemingly great plans for wireless calling. They both have prepaid service as well as contracted service. The standard contract is 2 years.

AT&T has been the giant of the communications industry since the dawn of telephones. If you opt for one of the 2 year plans you can get certain phones for a low price,as users observe an initially smaller stomach, some even for free. Go with the Go Phone (AT&T’s prepaid plan) and you can still get a fairly decent phone for a reasonable price.

Verizon also has a 2 year contract plan with great deals on phones, but their choice of phones for their prepaid plans leaves much to be desired.

AT&T has a Go Phone plan that offers 10 cents per minute with a $1.00 a day charge, only on the days you use the phone.

Verizon offers something similar, with their daily price for use, 99 cents. Both offer a 25 cents per minute plan without a daily charge for use. To reemphasize, neither company assesses the daily charge if you do not use your phone.

Customer service is a major bone of contention for AT&T customers. Some people claim that going to an AT&T store is an exercise in futility. Customers report that their telephone customer service is not much better.

Verizon customers seem to be happy with their customer service department, and those with contracts seem to have easy access to help when they need it.

Verizon took over the larger share of the market in January of 2009, so they must be doing something right. One thing that Verizon doesn’t seem to realize though is that many people do not like to get locked not a cell phone contract for 2 years. Their prepaid plan is comparable with AT&T, but they do not offer very many phones.

Verizon has created an iconic figure in the Verizon guy, who started with a series of commercials where he held a cell phone to his ear, and kept asking “Can you hear me now?” and was seen in various locations. Later they used the same actor and had him show up with a large crowd of people with him in various situations to show that you had the entire Verizon network behind you, everywhere you went.

Recently,Christian Louboutin shoes for sale, AT&T threatened to sue Verizon for its commercials referring to itself as having the “America’s most reliable 3G network” AT&T has also made this claim, and it looks like the 2 communications giants will slug this one out in court.

AT&T or Verizon? Which is better? It depends on who you talk to. Both have great deals, both have good points, both have their drawbacks. If you have used AT&T and are dissatisfied, you might do well to switch to Verizon. However, the same could be said for Dissatisfied Verizon customers.

but there is nothing that tastes as good as healthy feels!

Believe it or not, it is possible to eat a healthy dinner at Outback Steakhouse. Making the right choices on menu items, however, is completely up to you. And here’s how to make ordering a simple and healthy task.

For starters, skip the breaded and deep fried appetizers if you need an appetizer at all. Outback Steakhouse is known for their hefty platter sizes, so you won’t be left hungry even if you don’t order extra. Did you know that their Aussie Cheese Fries have been pinpointed as one of the worst foods in America by Men’s Health and Time Magazine in separate studies conducted on their caloric content? Even when shared three ways, there are still more calories in this appetizer than there should be in your whole meal!

If you feel the need to order an appetizer anyways, then make sure you stick to the healthiest options in the bunch. They offer plenty of salads that can help you stay within healthy caloric range,discount Louboutins, but you have to watch out when it comes to the dressing and the toppings on the salad of your choosing. Ask for the dressing on the side and use lightly. They offer some healthy options for these, too, such as the Tangy Tomato Dressing, which is fat-free.

To save another 100 calories, ask for the salad sans the fatty toppings such as cheese and croutons. Remember, these are still loaded with calories, even when combined with lettuce and tomatoes! Salads have a sneaky way of making themselves almost calorically equivalent to a main dish,no one else is allowed to make, so make sure you watch out.

Now, for the main course, there are some simple things to keep in mind while you order. Outback Steakhouse prides itself on making everything fresh when you order it, and they have no problem meeting your dietary needs. Make sure to tell your server that you would like your food prepared without butter, and to go light on the oil when necessary. Also, skip the sauces, which can have loads of both. Those three simple guidelines could cut out about 200-300 calories from your meal, maybe more.

Another rule of thumb for a healthy dinner at Outback Steakhouse is to choose the healthy side options, such as steamed vegetables or house salad. If you opt for a baked potato, again, skip the butter, and use the natural juices from your entrée to give it flavor along with some salt and pepper.

If a healthy dinner is your goal, consider the fact that chicken and fish are much lower in fat content than steak. Outback Steakhouse offers up great selections of both. Just because it’s a steakhouse doesn’t mean they only serve steak, so don’t ignore these delicious healthier options. If steak is on your mind as the one and only dinner option, stick to the 8 ounce.

Eating a healthy dinner at Outback Steakhouse is easy; you just need to stick to the logical healthy choices. This can be hard to do in a setting where all the surrounding plates are calling you with their delicious smells, but there is nothing that tastes as good as healthy feels!

it doesn’

Many people from all walks of life desire to make money online. Some are attempting to support themselves or their family by working via the internet, while others are only trying to enhance the income they already have from their regular job. Whatever the reasons, working online has become a popular thing to both do and desire to do in all parts of the world.

There are many known ways to work online and get paid for it. Some of the more popular and well known ways to make money online are through online auctions like millions do at eBay, selling books online the way many do via Amazon, and setting up a website or blog and monetizing it using a contextual advertising network like Google’s Adsense. But, limiting money making opportunities to these few but popular choices mean that someone interested in making a living online may be missing an option that might appeal to them more. The ways to make money online are nearly endless, here is a list of some of the more unusual ways to make money online that prove that almost anything can be done for profit on the internet.

Social Bookmarking Promotion

There are a number of sites like Digg, StumbleUpon, and more that offer social bookmarking services. Social bookmarks can at times bring a great deal of traffic to websites. Many website owners looking for this type of traffic often are willing to pay for social bookmarking. An internet user seeking to make money online can set up accounts at all of the popular social bookmark sites, there are quite a few, and then charge for bookmarking websites in all of their accounts.

Professional Services

There are a number of websites like Elance and RentACoder that offer people with specific knowledge or abilities to profit from them by offering them to other people who are in need of them. If a person has experience in programming, writing, or web design,Hasbro Family Game Night”,christian louboutin sandals cheap, they can register at just such a site and possibly find jobs and tasks that other people are offering payment for.

Blogging For Money

With the benefits of some easy to use software like Wordpress, which also happens to be free, it doesn’t take long for almost anyone to be able set up and run their own blog. Once a blog gains even a modest amount of popularity, there are a number of people that may be willing to pay good money to have their websites or online business reviewed or promoted on that blog. These opportunities can be found through online forums or through websites that are designed as ways to bring together those interested in publishing paid blog posts and those interested in buying paid blog posts.

Virtual Items

There are a number of role playing games online that operate on their own currency. The only way to buy things or gain new skills in these games is to either find specific artifacts or gain more of this virtual money. There are actually people that play these games who have as their only intent to accrue this virtual money, or other virtual items like spells and weapons, so that they can then sell them to other players for actual money. While this is a hard market to break into, it is possible to make money doing this if someone has an understanding of how the game works, and which games are most popular. Many auction sites and other places that people gather to buy things at have rules against selling virtual items, so being sure of having a way to sell these items is part of the research the seller needs to do.

Selling Photos

There are a number of sites online that a user can sign up for and become a member at that allow them then to upload their own photography and make it available to potential buyers. Many people are in need of photos every day. Some use them for publication in traditional publications like magazines while others are looking for photos to use when designing their website. Most stock photo sites that operate this way allow the new member to upload their photos and when a buyer chooses to purchase it they get the money, minus a transaction fee or percentage that goes to the stock photo site itself.

Making money online can be difficult, but finding a way to make money online is not. It takes hard work and dedication to establish a formula and plan for making money online, but once it is in place it should pay off for a long time to come. There are a number of popular ways to make money online, but as shown here there are also some less popular and more unusual ways to make money online as well. Someone truly interested in making a living on the internet should get out, explore, and use their imagination to come up with a way they can make money online that fits them perfectly.

Scarface is a bad movie. In a way it’

Al Pacino is widely regarded as one of the greatest actors in the history of cinema. He hasn’t had the most spot-on career. There have been quite a few missteps. However, when Al Pacino is at his best, he’s got an amazing,bailey button uggs on sale, compelling screen presence. Here’s a look at a few of the greatest movies to feature Al Pacino.

1. The Godfather - The first movie of the Godfather trilogy set Al Pacino as Michael Corleone, a role he’d eventually become inseparable from. The film shows Pacino’s character going from the least intimidating member of the cast to the most intimidating. Michael is one of film’s most complex characters, a son who tried to stay out of his father’s shadow and ended up becoming bloodthirsty. Pacino is absolutely brilliant throughout the film. This was one of his more subdued and nuanced roles.

2. The Godfather Part II – It’s worth listing Part II separate from Part I because Pacino basically played an entirely different character. Michael in Part II started cold and got colder,Nancy Pelosi and Senate Majority leader, never regretting any of the brutal moves he makes to protect his business. Pacino’s scenes are intercut with scenes of De Niro playing Don Corleone, and the result is a film that practically defines “juxtaposition.” Many film critics feel that The Godfather II was not only Pacino’s best movie, but one of the greatest movies of all time.

3. Dog Day Afternoon - This classic didn’t have the acclaim of the Godfather series, but has its followers nonetheless. As criminal Sonny Wortzik, Al Pacino helps to build the tremendous tension of a bank robbery. Throughout the movie, as the bank robbery goes worse and worse, Pacino’s character becomes amazingly complex. It’s another difficult role that Al Pacino ended up handling wonderfully. The actor was relatively young when the movie was released, and it’s gone on to achieve cult film status.

4. Scarface - To be honest, Scarface is a bad movie. In a way it’s supposed to be. It’s an over the top and overbearing version of a mob movie. If The Godfather was carefully sketched in pencil, Scarface is the equivalent of a small child whipping a bunch of paint against a wall. Despite this, it’s enormously entertaining. Its center is the wild and overacting Pacino who somehow proves his acting ability by showing us what he looks like when he’s hamming it up. That makes it a rare type of classic movie. Still, it’s certainly a classic.

5. Scent of a Woman – Not all of Pacino’s roles are gangster or crime movies. His best tend to be, which is why this list is mainly populated by mob flicks. However, Scent of a Woman showed more range from Pacino. Pacino’s a blind army officer who is grumpy and rude towards the student assigned to care for him. He carries the “angry old man” role well throughout the movie. His speech in the climax is touching and some of his lines in Scent Of A Woman have become staples of every Al Pacino impression out there.

What are your favorite Al Pacino movies? Disagree with something on this list? Post in our comments section below.

Watercress and Vitamin E because these ones are proven effective and safe.

Nowadays, women are fascinated with the thought of having big breasts. Some dreams of having big cup size and they will do everything even to the point of undergoing surgery. There are a lot of reasons why women want to have bigger breasts. Having bigger bosoms can actually make them feel sexier and it can definitely add to their confidence level. Women will do anything to get this to the point of undergoing surgery.

If you are the type of person that is afraid of needles and is afraid of the thought of undergoing surgery,_3555, there is another way to increase your breast size and that is to take in breast supplements. This is much cheaper and without going through pain. Surgeries can often be harmful and some even have side effects. There are some cases that implants can cause infections. Due to these reason, women are opting to just take breast supplements.

There are a lot of breast enlargement supplements that are sold in the market today. The fact of the matter is that some of these pills can actually work. Before heading out to the door to buy, do a research first on different products so that you can assess what pills can actually work for you. You need to be very careful. It is important to take precaution because some may contain ingredients that can be harmful to you. The best ingredients that you should watch out for are Dandelion Kelp Dong Quai,UGG Kensington sale, Watercress and Vitamin E because these ones are proven effective and safe.

Make sure that you are buying from trusted manufacturers. It will be best to read and ask around about the certain company and products. There are websites where you could actually read about some products for breast enlargements. Forums are the good place to see the feedbacks of other people using these kinds of product. The most important thing to look for is the fact that if they can work. When buying breast supplements it is essential if you take a look at their ingredients. Some of the contents of a certain pill may have negative effects on you. After selecting the product of your choice, make sure to follow instructions so that you can get the best results that you want. Stick with it so that you can see the effect within the timeframe provided by the said product. Remember the effort on your part plays a huge factor to make these pills work.

Breast enlargement supplement programs

There are a great number of breast supplement products that are available and sometimes it is hard to sort them out to check if they can actually work or not. There are programs that can actually monitor if they really work. If you want to undergo a breast enlargement supplement program, you need to follow certain steps because these pills cannot do the work alone. There are exercise program that is tailored specifically for people under this kind of medication. It will be better if you consult physical fitness expert on this matter. Aside from pills, there are creams that can be directly applied to the breast. This can definitely work side by side with the breast enhancement supplements. If you are worried about some breast supplement pills, there are some that are made out from herbs that can actually work as well.

repair expenses

,which you will also find mentioned in almost all reviews on compact digital cameras. This model

Car insurance is a must in any state. It is the law. Auto insurance protects you against financial loss if you were in an accident, theft, medical etc. You pay the premium and then the insurance company should pay for your losses. If you have the right kind of insurance it should help you ease out of a rather difficult situation. Auto insurance usually lasts about six months to a year.

-Auto insurance covers property, liability and medical coverage.

-Property coverage pays if your car is stolen.

-Liability coverage covers bodily injury or property damage.

-Medical coverage pays for treating injuries, rehabilitation, and possible lost wages and funeral expenses.

Car insurance rates are based on your claim and how much it will cost. The type of vehicle you drive, if it tempts thieves, repair expenses, your safety record, and so on can all affect your rates. Your safety record is considered greatly if you own a SUV. However, since an SUV is a popular car to drive, thieves are starting to learn about stealing them as well as the smaller cars. The higher the chance of a thief stealing your car,christian louboutin shoes, the higher your premium can become.

A sport utility vehicle, also called an SUV, will have a higher auto insurance premium because it will cost the insurance company more money than other cars available. The cost of repair is higher, both for your own car as well as the other driver. Medical coverage could potentially be higher with an SUV as well.

The easiest way to lower your premium for your SUV is to buy a less expensive and lighter vehicle. Choose higher deductibles on your collision and comprehensive coverage, and pay for smaller repairs yourself. It is also very important to keep your driving record clean and credit score high. Insurance companies for SUV’s check the particular model you drive, where you live, driving record, and credit history. You can use these areas to help keep your premiums low.

Some strategies to use in keeping SUV’s insurance lower:

-Shop around for different rates.

-Buy smart. Check out different models for insurance prices.

-Keep driving record clean.

-Check your credit. Keep your credit score as high as you can, and it will help keep your premium’s down. Pay your bills in full and on time as it demonstrates financial responsibility.

-Choose higher deductibles.

-Have safety equipment installed. Safety equipment could possibly save your life if you are in an accident. You will be less of a risk to the insurance companies and this will help keep your insurance low.

-Keep the same insurance company. Don’t keep changing auto insurance companies. Keep the same one for a long time and it will help you to establish good payment credit over time.

If you want to drive an SUV and keep your premiums low, keep a few things in mind; driving safely, keeping your driving record clean, installing safety measures, such as air bags, or anti-lock brakes, and staying with the same auto insurance for a long time to gain credibility financially can all help you get the rate that you are looking for.

as well as from physicians and others in authority

There is another big health crisis affecting the US and that is a chronic nursing shortage. This puts the safety of patients at high risk in hospitals, clinics, private nursing homes and other healthcare facilities where nurses are badly needed. While as many as 116,000 or more job vacancies remain for skilled registered nursing positions throughout the country, several of those positions remain unfilled. This greatly diminishes the quality of care for those to whom they are responsible for helping.

How did things disintegrate?

There are several theories as to why this situation exists. Some assert that the nursing shortages are due to nurses leaving the profession for reasons such as an increase in mandatory overtime, burdensome workloads, lack of respect from the public, as well as from physicians and others in authority,christian louboutin shoes, lack of empowerment, pay discrepancies and the restructuring of some facilities.

Others believe that additional contributing factors may be lack of expansion of the level of enrollment in nursing schools, fewer younger nurses being adequately trained and/or hired and gaps being left when older nurses leave.

There are a large number of individuals who continue to express serious interest in becoming a nurse in the US. However, some of them cannot get into nursing schools and colleges because there isn’t enough money or staff available to accommodate them due to cuts in budgets.

These are all valid explanations about why there is a chronic nursing shortage in the US and should be a cause of alarm to prompt change.

One of the major concerns about this issue is that, as the U.S. population gets older and their health declines, there will not be enough qualified nurses around to help meet their needs. This puts patients in danger of receiving less than efficient care and increasing the amount of people who die unnecessarily.

As this unfortunate trend continues to grow, there are nursing advocacy groups, nursing organizations and those in government who are seriously working to address and remedy these troubling nursing shortages.

For example, millions of dollars of stimulus bill money were designated by President Barack Obama to help with shortages of nurses and other healthcare professionals. Advocacy groups like the Center for Nursing Advocacy, Common Cause and the American Nurses Association fight to make the public aware of the chronic nursing shortages and about the difficulties nurses face.

Average citizens should also be encouraged to speak out regarding this issue,before discussing any solutions. If none present themselves, to let their government know that they do not want their healthcare jeopardized.

This is a problem that must be solved for the good of the nation’s sick and suffering. When nurses are forced to put in too many hours to compensate for unfilled nursing positions at healthcare facilities, they become increasingly unhappy and more likely to leave. Overworked, underpaid and under-appreciated nurses cannot do their work at their ultimate best.

Something must be done to alleviate the shortage of skilled nurses in the US.

It is quite literally a matter of life or death.

gently please

In recent years the type of computer monitor you have on your desk has undergone a sea change. CRT monitors used to be the most common monitors everyone had, and only those who were on the cutting edge, had flat screen or LCD monitors.

What exactly is an LCD monitor? LCD stands for Liquid Crystal Display. When you apply an electrical charge to a liquid crystal you are changing the molecular structure of the crystal. Take away the electrical charge, the crystal returns to its original state.

To produce and image on an LCD screen, you have hundreds of thousands of these crystals sandwiched between a backlight, and a thin film containing millions of translucent dots of red, green and blue. Press on an LCD screen (gently please) and you can see evidence of this thin film.

LCD monitors do have the occasional issue. One would be stuck pixels, and dead pixels. You are working away at your computer, and you happen to notice a small black spot on your monitor. You refresh your screen, and it is still there. What is happening here is that either one pixel, or a series of pixels had reverted to the “off” state. This is a considered a dead pixel.

If you have a spot that is red, blue or green, and does not change, this is an example of a stuck pixel. What has happened is that one of the sub elements has failed and is left in the “on” state. If the stuck pixel is white, then all sub elements have failed.

There is a school of thought that you can “revive” a stuck or dead pixel by placing a cloth over the area in question and taking the tip of a pen or a stylus from a PDA, and either gently rubbing or tapping it. Proceed with this fixe at your own risk, and only if your warranty is expired.

Another issue with LCD monitors is the viewing angle. If you are sitting right in front of the monitor, you will likely enjoy a great picture on the monitor. However if you are not in a good direct line of sight, such as viewing from the side the color can wash out, or look a bit faded.

LCD Monitors have a plastic film on the surface, and as such can become scratched. If you have a scratched LCD screen, one method that has been reported as having limited success is to first make sure to clean your LCD screen with a microfiber cloth, and then to apply a bit of Vaseline on the screen. Wipe off the excess with the microfiber cloth, and the scratch should not be as noticeable.

One last potential issue that should be discussed regarding LCD monitors is the old problem that those who have been around computers for any length of time will remember is image burn in. While this issue was more common with CRT screens, image burn in can happen with LCD screens that have static graphics on display for long periods of time.

Unlike the CRT screens, there may be a solution to the problem with LCD screens. If you have noticed an image burn in,fewer problems will be encountered when traveling. In the business world, try turning off the screen for several hours, and perhaps even a day or two if possible. The image should disappear.

The best solution however, is to prevent burn in from occurring in the first place. Set your monitor to shut down after the computer is idle for a certain period of time.

LCD Monitors do have some issues, but in the long run save you space on your desktop,UGG Bailey Button, and with care can last a long time.

and for a starting price of $449.00

Both of these companies are well known for making excellent computer components. Which is best is more than likely a matter of opinion.

Compaq has been known for using proprietary hardware and drivers – at least they used to. However, they have also given customers a choice between Intel or AMD processors. Dell uses Intel exclusively. If you are an Intel fan, this is not a problem. However not everyone is.

Let’s take a look at two comparable laptops from each manufacturer.

Dell Inspiron 17 Laptop

Dell’s website allows you to custom design your system from the ground up. When you go to the Dell website looking for this particular laptop, you can click on a link that will take you to build your laptop. You can select from seven bold colors,cheap ugg bailey button boot, and for a starting price of $449.00, you can go with the standard features. The processor at that level is an Intel Pentium Dual Core T4300 (2.1GHz/800MHz FSB/1MB). For another $200.00 you can upgrade to an Intel Core 2 Duo P8700 (2.53GHz/1066MHz FSB/ 3MB) It comes with Windows 7 Home basic. For $30.00, you can upgrade to Home Premium. You get a 17.3” HD display with an aspect ratio of 16 X 9. For full HD with 1080P you need to drop another $65.00. Standard memory is 2GB, and for another $70.00 you can upgrade to 4GB. The Inspiron comes with a 160GB hard drive, but for another $100.00, you can upgrade to 500GB. The optical drive that comes standard is an 8X CD/DVD burner. For another $96.00, you can upgrade to a Blu-Ray.

If you continue to upgrade as you build you end up with a price well over $2000.00.

Compaq Presario CQ61

The Compaq laptop in the same price range (starting price) comes with the following standard features:

The processor is the AMD Sempron M100- Made for notebooks by AMD. Memory is 2GB of DDR2 RAM, upgradeable to 4GB. Also it has a Light-Scribe DVD/RW optical drive,whether or not there are a few patient references that you can contact, a 160GB hard drive, and ATI Radeon 4200 Graphics Display. It also has Windows 7 Home Premium standard.

If you do not purchase any upgrades to the Compaq you pay just $449.00, which is the same starting price as the Dell Inspiron.

Maybe you can’t design your Compaq the same way you can the Dell, but if you are looking for a low priced laptop, then the Compaq may be your better choice.

If you enjoy customizing your laptop, and don’t mind paying for the privilege, go with the Dell. In addition, the screen on the Dell is larger, so if that is a consideration; again your choice is Dell.

Both laptops are well made, and opinions of the Dell vs. Compaq purists aside, Compaq doesn’t give you the customization options the you get with Dell. On the flip side of that is the fact that if you are watching your pennies, and go crazy adding components, upgrading here and there, you could find yourself spending much more on the Dell that you intended to.

If you go with the standard Dell Inspiron, without adding all of the expensive upgrades you have roughly the same system as the Compaq. Both are well powered, and either would be a good choice. It all comes down to preferences

control is turned in to the lender

The common foreclosure misconception is that, if the homeowners skip a payment or two, the lender instantly takes the property ownership and then put it on an auction at a foreclosure sale. In reality, the procedure is more protracted than that, this is a regular foreclosure scenario:

1. Homeowners stop to make regular mortgage payments.


2. After about fifteen to thirty days, the lender mails a payment reminder.


3. If the homeowners don’t reply, the lender sends some follow-up notices and tries to contact the homeowners.


4. If the homeowners still don’t accept the call, the lender hands the case over to the collection department, who persists in pestering the homeowners with mails and telephone calls.


5. After about three months of skipped payments, the lender hands the case over to an outside counsel, which is usually managed regionally. The attorney mails an official warning letter about the foreclosure proceedings that are about to set out.


6. If homeowners submit a solution that the lender views as satisfactory. At this stage, the homeowners may stop the foreclosure proceedings by discussing a desirable solution with the lender.


7. The attorney starts the foreclosure procedure by sending a foreclosure notice to be published in the county’s local newspaper. The homeowners may still reestablish the mortgage at this stage by catching up on the monthly payments and paying up any extra late fees and penalties.


8. The case reaches the civil division of the sheriff’s office, which is delegated the task of managing the sale. The attorney managing the foreclosure starts the opening bid and usually publishes it inside the foreclosure notice. The opening bid is the sum of the mortgage plus penalties, attorney fees, unpaid interest and extra costs.


9. The sheriff or his deputies may check the house before the sale to put up a foreclosure notice and scrutinize the property, since occasionally redemption rights may change if the homeowners vacate the property.


10. A day before the auction process,ugg bailey button on sale, the lender can adjust the price, but he may not unnaturally inflate the price. Often, lenders lower the opening bid that can make the property more attractive to the investors.


11. The property is in the auction block, purchasable to the highest bidder or is handed to a trustee to quickly liquidate the property.


12. An investor buys the property at auction sale or from a trustee. But, if no one bids above the opening bid, control is turned in to the lender, who may then acquire the property possession after the redemption period.


13. In certain states,partaking in a coffee drink identified by fourteen adjectives is a status symbol. However, the highest bidder takes property possession without any delay. In states with applied redemption period, the recent “owner” must hold off until the redemption period passes and a court hearing takes place.


14. Previous owners are evicted from the property. Foreclosure is bad for both the lender and the homeowners. The homeowners lose their home and the lender loses some money on the loan and frequently must pay some extra costs.

If you or a best friend is ever facing a traumatic foreclosure, call the lender directly to explore your alternatives. Find help soon. Disgrace, wrath, and self-denial may deter you from finding help, but the longer you delay, the fewer your choices are. Prepare yourself and talk with the lender. Panicky homeowners become susceptible to foreclosure rescue scams. Study your situation and understand your options, and do not deal with any individual who is laying claim to be your buddy.

ART also raises the risk of birth defects in general.

In any pregnancy, the risk of having a baby with birth defects lies at 3%. However, if the infant was conceived through the use of ART (assisted reproductive technology) fertility treatment methods, the risk for birth defects is significantly higher.

According to a new study conducted by the Centers for Disease Control and Prevention (CDCP), babies that were born through the use of ART, have twice or more times the risk of having a birth defect as compared to babies that were conceived and delivered in a natural way. Despite the increased rate of birth defect rate however, the risk is still considerably low in general.

What is ART?

ART stands for assisted reproductive technology. This type of fertility treatment has been popular in the United States since it was first introduced in 1981. Basically, ART refers to any kind of procedure which includes the process of surgically removing or collecting egg cells from a woman’s ovaries and combining such with sperm cells through the use of laboratory tools and other medical aids.

After the egg and sperm have been combined to form an embryo, such will be surgically “implanted” to the same woman’s body or to another woman who is capable of pregnancy and giving birth.

Although intrauterine or artificial insemination is also a well known fertility treatment, such is not included in the list of procedures utilizing ART. The use of Clomid, an egg-stimulating drug, is also not categorized under the ART type of birth assistance.

ART and the Risk for Birth Defects

Dr. Jennita Reefhuis, an epidemiologist at the CDCP’s National Center on Birth Defects and Developmental Disabilities, noted that there was an increased risk for some birth defects among babies conceived through ART. She notes that infants which were produced using ART have twice the risk of having septal heart problems. They also had more than twice the risk of having a cleft lip. Moreover,UGG Kensington Boots discount, babies conceived through ART also had four times the risk of having gastrointestinal birth defects.

The study was conducted by Reefhuis and her fellows as part of the National Birth Defects Prevention Study. The study involved 281 babies conceived through ART and 14,000 infants that were conceived the natural way. Although the researchers examined the risk for about 18 different categories of birth defects, they found out that only four were significantly associated with fertility treatment factors.

Limitations and Important Considerations

The conclusive findings of the CDCP study only involved single births. It should be noted that the researchers did not investigate the relation between the use of ART and the risk for birth defects in cases of multiple births. Furthermore, researchers postulate that since ART increases the probability of having multiple birth and that babies that were born as part of multiple births are already highly at risk for birth defects, ART also raises the risk of birth defects in general.

However, Reefhuis points out that it is important to recognize that although there may be an increased birth defect risk among babies conceived through ART, the individual risk for having the noted birth defects are generally low. Reefhuis furthers that regardless of any kind of conception or exposures during pregnancy,turtleneck sweater, there remains a 3% risk that the baby will have some form of birth defect.

secured and unsecured loans. Secured loans are loans such as second mortgages

Consolidating loans can be a good option for those who find themselves suffocating with debt. When you consolidate loans, you simply apply for a loan from a debt consolidation company or a bank and the new lender pays off your old debts. You will then be in debt to the new lender instead of the original lenders. Although this really is just moving your debt from one place to another, debt consolidation has many benefits. This type of program can cut your payments in half, lower your interest rates, and get you out of a really bad situation. So how can you get started?

First you need to get a copy of your FICO score and your credit report. Getting any type of loan will depend on these stats. When you receive it, it’s equally important that you check it over and make sure it’s accurate. Sometimes old debts will still remain on your credit report or there can be other inaccuracies which can prevent you from getting a loan. If your FICO score is high, you will most likely be eligible for a debt consolidation loan that has a reasonable interest rate. If your FICO score is too low, you may find it harder to get this type of loan. However, do not despair as you may still be able to get a consolidation loan. The only catch is it will most likely have a higher interest rate.

Your next step will be to research many different debt consolidation companies and banks to find out who can give you the best loan, with the best interest rate. Make sure that you get a quote from each company and that it’s in writing, so that you can compare them side-by-side. Having it in writing will also ensure that you’re given a loan at the rate you were quoted. When you are comparing loans,UGG Bailey Button Triplet cheap, don’t just choose the loan with the lowest monthly payment. This is tempting, but the loan could have several other clauses or conditions that you’re not comfortable with. Read all the quotes carefully to make sure you’re getting the best deal.

The next step is to apply for a consolidation loan. There are two different types of loans that you will be able to choose from: secured and unsecured loans. Secured loans are loans such as second mortgages, home equity loans, or secured lines of credit. These types of loans are generally given to people with good credit and who have assets that can be used against the loan should they default on payment. These can be risky because you could end up losing valuable assets, such as your home. Unsecured loans are much safer because you don’t stand to lose anything if you fall behind on payments. However, if you don’t have good credit the interest rates will be too high, and you’ll end up paying much more.

Once you’ve found a company to handle your loan and the papers have been drawn up, read your contract extremely carefully. Ask any questions and if you need to,diet and age should determine the dose of Resveratrol that should be taken for optimal health., take the contract to a lawyer or someone more knowledgeable about it before you sign them. Consolidation loans are a big deal. If you don’t take the time to understand it beforehand, it could cost you thousands of dollars or even your house!

Next you will finalize the loan and start paying off your debt! Make sure that all of the paperwork you need is handed in and that the rate you’re getting is the rate you were quoted. If not, find out why. This is a pretty straightforward step and only requires some legwork to get it done. Once you have your loan, start paying it off right away so you don’t get into this situation again!

jewelers tend to have high overhead and high markups

The recent increase in the price of gold, coupled with a troubled economy, has many people considering selling their gold jewelry as a way to get some cash. With so many companies offering to buy gold and so many alternative types of buyers, what is the best way to be sure to receive the most cash for gold jewelry? The key is to do the required research and to be well informed.

The first step is to determine whether the items will be sold as jewelry or as scrap gold. This is crucial, because, while scrap gold has value,christian louboutin shoes discount, jewelry has more. The majority of the price paid for jewelry is for the workmanship that goes into it. A piece of jewelry needs to be in good shape or needs to be unique in some way for it to fetch a high price. This is especially so in a bad economy, as many people are holding off on buying luxury items. If it is to be sold as scrap gold, the condition and uniqueness don’t matter, as the buyer is simply buying the gold contained in the item to refine and reuse. Brand new or broken, scrap gold all fetches the same price, figured by purity (karats) and weight.

How can it be determined whether an item can be sold at a premium, as jewelry? Looking at the item without any sentimentality, try to determine its appeal to a stranger. The fact that it was bought in an exotic land or was given by a favorite relative probably won’t mean anything to most potential buyers. Try to establish if it is desirable to a buyer with no sentimental attachment. This can be difficult, since jewelry, especially gold, often comes with an intense emotional attachment. If the piece is of exceptional quality, is unusual or is an antique, it would be good to have it appraised by a jeweler. Better still, by two or three jewelers. If all indicate that it is an exceptional piece, get offers to buy from them. Remember that they will be looking to make a profit on the resale, so the offers may vary or may be lower than hoped for.

If an acceptable offer is received, it might be good to accept it. If not, another alternative would be to try to sell it outright. Some alternatives might be classified ads or sites like Craigslist or an auction or site like eBay. Each of these involves time and expense, so those costs need to be weighed against the additional profit that could possibly be made beyond the jeweler’s offer. It may well be that the additional work or risk might not be enough to justify holding out for more than a jeweler would offer.

If the consensus is that the items are not in good enough shape or unique enough to be sold as jewelry, selling the gold for scrap value is another alternative. Even broken, ugly and out-of-date pieces made out of gold have intrinsic value. Scrap gold buyers come in many shapes and sizes, and each type has a different way of doing business, so the amounts offered by various buyers can vary wildly. Again, enough research to make an informed decision is crucial. Following is a list of some of the more common types of gold buyers.

Some jewelers buy scrap gold, especially in tough economic times when their principle business slows. However,While in Hawaii, jewelers tend to have high overhead and high markups, sometimes in the hundreds of percents. This may lead to a reciprocally low offer on what they will pay for scrap gold.

Many pawn shops now buy scrap gold. The main business of pawn shops is to make short-term loans, using valuables as collateral. A general rule of thumb is that a pawnshop will often offer one third of the amount they can expect an item to sell for. This mindset may also carry over into their offer for scrap gold.

Internet gold buyers promise cash payouts with a minimum of effort. However, unless there is no access to any other gold buyer, this is probably the least profitable option. In November of 2009, Consumer Reports investigated cash for gold buyers on the Internet and found that they generally paid only 11% to 29% of the actual value of the gold received. Traditional local gold buyers, on the other hand, paid between 35% and 70%. It is generally accepted that 50% is a reasonable minimum expectation.

Another alternative is a local company that specializes in recycling scrap gold. Like their Internet counterparts, this is their principle business. The difference, however, is that they usually meet with clients and will often explain or justify their offer, which tends to be higher than the Internet businesses.

It is possible to receive a good price for old or unwanted jewelry. The key is to exercise caution, do the research and be informed. That extra effort may mean substantially more cash for old gold jewelry.

When using a conventional oven to cook fresh pumpkin

While it may seem easier to reach for a can of pumpkin for your recipe, fresh pumpkin can add a whole different flavor profile to your holiday dish. The problem with this is that many people do not know how to cook fresh pumpkin, or find the process too daunting. However, cooking fresh pumpkin is not nearly as difficult as you may think. In this article I will review two ways to cook fresh pumpkin easily.

The first of many ways to cook fresh pumpkin easily is the microwave method. Though not a personal favorite, it can be done. Micro waving fresh pumpkin can expedite the process by about a half an hour.

To cook fresh pumpkin in a microwave easily, start by cutting the pumpkin in half. However, you must make sure that you leave the pumpkin’s skin intact. Once you have cut the pumpkin in half, the next step is to remove the seeds gutting the gourd but leaving the meaty pumpkin goodness. After the seeds have been removed the pumpkin should be cut into pieces small enough to fit into a microwave-safe dish. The pumpkin should be covered with liquid of your choice to prevent it from drying out prior to it being placed into the microwave. Examples of liquids that can be used include olive oil, butter, cooking spray, chicken broth,and it will make it seem as though the rejection was no big deal. In some cases, or even water. Fresh pumpkin should be cooked covered for approximately 15-20 minutes. At this point, if the pumpkin is soft it is done. After cooking the fresh pumpkin, it can be pureed or smashed to fit your recipe’s needs.

Fresh pumpkin is a great addition to any meal. In fact fresh pumpkin is so versatile it can accommodate many menus. From risotto and lasagnas to baked goods, fresh pumpkin can also brighten up any soup or stew recipe. Fresh pumpkin can also be substituted for squash for a unique twist also.

Another way to cook fresh pumpkin easily is to use a conventional oven. Although this way is not as fast as the microwave method, the resulting product tends to be more consistent when using a conventional oven. Cooking fresh pumpkin in a conventional oven is also more likely to cook thoroughly the first time around. Microwave cooking tends to leave the fresh pumpkin only partially cooked and there are often parts that aren’t cooked as well as others.

When using a conventional oven to cook fresh pumpkin, the first step is to make sure that the pumpkin is cut in half and the seeds are removed. However, unlike the microwave method the pumpkin does not require being cut into pieces. Simply place the two halves face down on a cookie sheet and cook for 45 minutes or so. Once the fresh pumpkin is cooked thoroughly, it will be soft in texture similar to a potato is when you bake it.

Now you have several ways to cook fresh pumpkin easily. Fresh pumpkin works well in any recipe calling for canned pumpkin and the taste is much better. Try using fresh pumpkin in breads,UGG Kensington Boots free shipping, pies, and biscotti recipes…you will be pleasantly surprised!

but it’s a minor addition that can yield major results. Do you have a utility room

In the post-mortgage crash market, selling your home can be a dicey proposition. It is by far a buyer’s market, and the competition is fierce, with home prices still dropping even though the worst of the crisis seems to be over. If you are sitting on property that you need to flip for cash, you may want to consider making a few inexpensive alterations to your home that will return on their investment once the offers start to come in.

One of the most visible selling points for a home is, strangely,Once you feel you are ready to become a translator, the kitchen. As the preparation of food has become more of a social affair, kitchens have evolved beyond just the domain of the housewife to a true family room. In addition, kitchen appliances and fixtures have become status symbols, with the current trend towards stainless steel fixtures and sleek cabinets making cooking areas attractive as well as functional. One useful trick is instead of replacing hardware, simply swap out the faceplates on your existing appliances – a unified visual style can be achieved for a few hundred dollars and will make your kitchen far more attractive to a browsing buyer. Changing the faucets and handles in the sink can also make a big difference for a low cost. Finally,UGG Bailey Button Grey, brighter lights and more open fixtures can aid your kitchen area in looking more spacious.

Another reasonably inexpensive way to improve the surface appeal of a house is paint. Unlike many other home improvements, a paint job of reasonable quality can be completed with a few hundred dollars and some helpful friends, provided you set aside enough time to get everything done. Painting oddly-colored rooms a more neutral color will help them seem larger and aid prospective buyers in imagining their furniture within them. If you don’t have the time or the tools to paint the outside of the house, take a few hours and put a new coat of paint on the front door – it’ll give a fresh feeling to the exterior without a lot of effort. While you’re at it, replace the lock and doorknob to give visitors a greater sense of security.

Another smart way to make your home seem more valuable than it is will involve the services of a contractor, but it’s a minor addition that can yield major results. Do you have a utility room, office, or den in your house? Did you know that, in most states, the simple addition of a closet to that room will allow you to classify it as a bedroom instead – simply and easily changing your two bedroom house to a three bedroom with a few days labor. Even though you’re not gaining a single square foot, your newly recategorized house will show up in realtor listings with a much more attractive description for new parents and larger families.

Of course, there are dozens if not hundreds of other little things that you can do to raise the selling profile of your house – replace aging flooring, cabinet fixtures, and other surface elements for a noticeable visual improvement. Spend some time landscaping the grounds to look neat and orderly. This time investment greatly increases the visual appeal of the house from the street which is a must for capturing the attention of passers-by. The best general advice I can give is spend the money where it can do the most visual good. This is not necessarily the best overall good for the house, but the most noticeable improvement for a visiting buyer. Good luck, and happy home improvement!

while being supervised by friends or relatives

The process of alcohol detoxification requires that alcohol be eliminated from the human body and that any withdrawal or other symptoms that are bound to occur are treated medically or psychologically or both. Withdrawal symptoms can be quite distressing and can even become fatal if the addiction to alcohol is very severe. Treatment requires that the person is required to be an inpatient for at least a week so that he is under constant medical supervision,promote, as the sudden cessation of alcohol consumption can lead to other symptoms that require medical intervention.

Some patients who undergo the alcohol detoxification process may suffer from hallucinations, delirium tremens and even convulsions, which if not immediately attended to can prove to be fatal. There are medical drugs available that can be used to minimize these symptoms, but the administration of these has to be very properly controlled and monitored, so that any side effects noticed are quickly treated. Initial dosages of such drugs is always high, but is gradually tapered down over the week over which the alcohol detoxification program generally lasts. Drugs are also available which can reduce the craving for alcohol which such a patient is almost sure to suffer from.

Once the body has been rid of all the alcohol, the patient needs to undergo continuous therapy and counseling to see that no relapse occurs. This is because even after the detoxification the craving for alcohol will remain with the patient for a long time and he constantly needs to guard against this. The patient needs to join a support group which will help him to constantly fight this craving for alcohol.

Alcohol detoxification can also be undertaken in the home. This does not mean that it is completely undertaken without outside help. It just means that the patient continues to remain at home, while being supervised by friends or relatives, who have at their beck and call the necessary medical help whenever they require it. The advantage of doing this process at home is that it maintains the privacy of the patient,UGG Roseberry tall boots sale, and ensures that he feels more comfortable with the treatment as he is in a familiar environment. It costs much less than being an in-patient at an addiction centre and because of the privacy maintained, the patient responds better to treatment. This is useful where the addiction is mild and where the patient is likely to respond well to instructions by the caretaker and the doctor’s attending the case. Most doctors who will undertake such home detox programs will visit the house dressed in casuals, as if they are friends visiting, and the neighbors will not even have an inkling of the treatment under progress.

Any alcohol addiction is a physical as well as psychological disease and therefore any detoxification process needs that both these aspects be simultaneously treated if the cure has to be permanent. Family support or support of friends and relatives is very important and a person undergoing this detoxification process would do well to ensure that he is fully supported by the people around him. Any attempt to keep this secret can only result in his not having behind him the support and assistance of the people who matter in his life.

Want to further protect lips from infection

Cold sore prevention is an often debated topic. Many people claim herbs and natural remedies can prevent it, whereas other people―medical professionals―vouch for simple protective measures.

The truth is cold sores cannot be prevented once the person catches the cold sore virus, called the herpes simplex virus (HSV). No medicines or holistic healing methods are proven to have a preventative impact on cold sores―at least not as effectively as reducing the number of ways to get HSV. This is because no cure currently exists. But taking practical measures to avoid catching the virus can prevent cold sores.

How to Prevent Cold Sores

Cold sores are only preventable by avoiding objects, situations, or people carrying HSV. Although some alternative health companies claim certain medicines and herbs can prevent it,of course, there are no studies currently proving if it is beneficial. According to the Mayo Clinic and WebMD, however, simple preventative measures go a long way to prevent nasty HSV blisters and mouth sores. Use the following tips to prevent the development of cold sores.

Tip #1: Avoid kissing or having any skin contact with people who have visible cold sores. HSV commonly spreads through person to person contact, either through kissing or sharing items touched by the person’s lips. Avoiding skin contact with a person or any contaminated items significantly reduces the risk of catching HSV―and subsequently, prevents cold sores.

If skin contact is unavoidable, make sure to wash all areas touched by the infected skin immediately. Lather up the affected skin area with plenty of soap and water.

Tip #2: Keep lips moisturized with a protective lip balm to prevent cold sores. The lip balm keeps the lips moisturized while preventing it from cracking or splitting, reducing the number of ways HSV can enter through the skin. HSV can only infect the body if there is an opening in the skin, such as a cut, scratch, or crack in the skin.

Want to further protect lips from infection? Look for lip balms with at least an SPF of 15, which protects the lips from the sun. The sun can dry out lips, making it more prone to splits or cracks.

Tip #3: Prevent cold sores by maintaining a healthy diet and an adequate sleep schedule. According to Herpes Guide, both factors keep the immune system strong,roseberry cheap ugg boots, preventing cold sores. HSV attacks when the body is weak or stressed out, often if the person does not eat right or regularly thrives on three hours of sleep. Eating a healthy, well balanced diet consisting of vegetables, fruits, and lean meat keeps the immune system alert and active. An adequate night of rest, or 7 hours of more, also boosts the immune system and prevents cold sores.

The key with all three methods is to prepare the immune system for an incoming attack while reducing the number of ways HSV can enter the body. Remember to limit the ways HSV can transfer to the skin, keep at risk areas moisturized to prevent sudden cuts or cracks, and eat plenty of immune boosting foods to prevent cold sores. This is the most effective way to keep your mouth blister free all year long.