The Four Most Effective Ways to Consolidate and Repay Your Debt

Upon getting information about an upcoming school science fair and the need to consider a topic of interest, many students will typically have no idea where to get started. While the science fair is typically a common occurrence in any school at any grade level, there are different types of topics that should be taken a look at depending on the age of the student. After first taking a look at the many different categories of science projects, you will be able to locate a suitable choice of topic to take to the next level.There is a wide variety of categories that fall under the types of science projects that can be chosen for a school science fair. These include biology, chemistry, physics, microbiology, biochemistry, medicine, environmental, mathematics, engineering, and earth science. While you may not have yet learned very much in any of these categories, don’t be afraid to see what each one entails. Taking a good look at your interests will allow you to focus on the right direction to take.Many resources are also available for those who are unsure as to the topic they are wanting to use to create their science projects. If you take a look at the topics that fall under the biology category, you will likely notice that there are topics that deal with plants, animals, and humans. For those who are in 2nd grade or 3rd grade, an interesting topic may be to determine if ants are picky over what type of food they eat. While this topic might not be of interest to an 8th grader, it is certainly something in the biology category that an elementary school student would enjoy.Along with the biology category, a high school student may want to take a look at diffusion and osmosis in animal cells as this would be a more appropriate topic for the grade level. A student in 6th grade would be more advanced than an elementary school student, but not as advanced as a high school student. At this middle school grade level, a topic of how pH levels effect the lifespan of a tadpole may be of interest.Whichever resource is used to locate a topic for science projects, it is always a good idea to consider the grade level of the student prior to making a selection. It is always assumed to be best to have a project at an appropriate level in order to keep the attention of the student and provide a fun and enjoyable learning experience.

Smart And Effective Tips For A Successful E-Commerce

Today, the international B2C market is doing so at break-neck speeds. Indeed, e-commerce is on an upward development. In many countries, sales projections for next year are estimated at $51.4 billion. Mobile commerce, emerging markets, brands moving into international markets, and advance shipping and payment options fuel this global growth. How can your venture in e-commerce make the most of the explosive opportunities? Here are some smart and effective tips for a successful e-commerce shared by the experts themselves.- Establish multiple channel offerings. Consumers demand variety and convenience. And they have different shopping methods. Today, your multi-channel strategy should combine online purchasing with in-store shopping; your multi-channel offerings should also include mobile app stores, catalog shopping, and even telephone orders, should these apply to your customer buying behavior. A store that can offer up on-the-floor checkout with mobile devices will boost sales better than a store that still uses traditional checkout. With multiple channel offerings, your e-commerce business can tap into opportunities, online and offline while giving what your customers want.- Invest in efficient and effective systems to run your e-commerce. It’s true that you need to offer up the best products at the best prices to gain traction in the market. But you also need to have the smartest ERP solutions. Expert retail brands like yours will achieve more by integrating applications that seamlessly manage and automate every aspect of the business.- Personalize experiences, consider specialized offerings. It sounds like a lot of work, and it is, but your e-commerce business will gain so much more. One-of-a-kind experiences can captivate customers and encourage brand loyalty. Meanwhile, individualized promotions can capitalize on niche markets that could prove lucrative in the long run.- Integrate mobile commerce. Don’t just use tablets and smartphones as part of your on-the-floor checkout and in-store online browsing. Make sure your mobile store can provide fuss-free access to services like delivery update, maps to your store or store layout and click-to-call, among others.- Improve customer experience across all channels. Online and in-store, a seamless experience that goes beyond means the trained personnel meets customer needs and uses the best POS software. To consistently provide a seamless customer experience for all channels, your e-commerce venture needs to be certain about product availability and implement smart supply chain technology.- Invest in innovative solutions. Finally, continue to evolve because markets, trends, and technology will change. Your e-commerce business has a better chance at growth when it never stops to improve and you will soon reach your goals of success.
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Traveling To America? New ESTA Registration Mandated January 2009

For years, visitors from certain foreign countries have been able to travel to America without first getting a formal Visa sticker placed in their passport. Implemented in 1998, the “Visa Waiver Program” (VWP) has allowed for visitors of several countries to come to America for tourism or business purposes for up to 90 days without getting a Visa put in their passport. During 2007, more than 15 million visitors from VWP countries arrived in the United States.As of January 12, 2009 America’s new ESTA program requires Visa Waiver Program visitors coming to the U.S. for tourist or business purposes via a plane or ship to “register” online before entering the United States to see if they pose a law enforcement or security risk to the U.S. ESTA is not required for land crossings. Officials are asking that the ESTA registration be done at least 72 hours prior to leaving, but theoretically it is possible to register at the last minute. An ESTA Travel Authorization is free, valid for 2 years, and valid for multiple entries.Here are some Frequently Asked Questions (FAQs) for ESTA Travel Authorization:What Countries Are in the Visa Waiver Program?Andorra, Austria, Australia, Belgium, Brunei, Czech Republic, Denmark, Estonia, Finland, France, Germany, Hungary, Iceland, Ireland, Italy, Japan, Latvia, Liechtenstein, Lithuania, Luxembourg, Monaco, The Netherlands, New Zealand, Norway, Portugal, San Marino, Singapore, Slovakia, Slovenia, South Korea, Spain, Sweden, Switzerland, and the United Kingdom.Where Do I Apply for an ESTA Travel Authorization?A website, operated by the American government, is where you register for ESTA: esta.cbp.dhs.gov. The ESTA information you submit via the computer is compared with certain American law enforcement databases and then either approved or denied. Foreign travelers will not be able to submit ESTA applications at American airports after arriving or at a U.S. Embassy in their country.What if I Don’t Have Plans to Travel to the U.S. Yet?VWP travelers are not required to have specific plans to travel to the United States before they apply for an ESTA Travel Authorization. As soon as VWP travelers begin to plan a trip to visit the U.S., they are encouraged to apply for travel authorization through the ESTA website. Applicants are not required to update their destination addresses or itineraries if they change after their ESTA Travel Authorization has been granted.Does the ESTA Travel Authorization Guarantee Entry to the U.S.?An ESTA Travel Authorization only authorizes a traveler to board an airline or ship for travel to the U.S. under the Visa Waiver Program. After they arrive, travelers who obtained an ESTA Travel Authorization may still be denied entry (also called “admission”) at a U.S. port of entry, such as an American airport. An approved ESTA is not a guarantee of admissibility at an American airport. In all cases, the American airport officers make the final determination whether a foreign traveler can enter the U.S. or not. You still have to establish to the satisfaction of the inspecting officer that you are entitled to be admitted to the U.S. under the Visa Waiver Program.Can I Change My Travel Itinerary?It is possible to change an itinerary on an existing ESTA Travel Authorization; ESTA is designed so that you can update parts of it at any time. Travelers who did not get an ESTA approval may be denied boarding by the airlines, experience delayed processing, or be denied admission to the U.S. at the American airport.What If I Already Have a Valid B1/B2 Visitor Visa?While the ESTA Travel Authorization is completed online with no interview, there are Visas that require a U.S. Embassy interview. The Visa process has separate procedures, which generally require an appointment, travel to a U.S. Embassy, an interview with a Consular Officer, processing time, and the payment of an application fee. If a foreign national already went to the U.S. Embassy and has a valid B1/B2 Visitor Visa pasted in their passport it is not necessary to get an ESTA Travel Authorization because the traveler will be entering with a B1/B2 Visitor Visa and not through the Visa Waiver Program. Keep in mind that an approved ESTA Travel Authorization is not a Visa.Can I Re-Apply for an ESTA Travel Authorization if Denied?Yes, but you must wait at least 10 days to reapply and your circumstances must have changed. Unless there is a change in a substantive fact, re-application will not change the result. Keep in mind that applying for an ESTA Travel Authorization with false information can cause a foreign national to be permanently barred from ever entering America. The ESTA system is designed to try to prevent individuals from changing and manipulating an ESTA entry until they receive an approval.What If I am Denied an ESTA Travel Authorization and Have No Changed Circumstances?There are three types of responses to an ESTA application; approved, pending or travel not authorized (denied). Applicants who receive a “pending” response are advised to check the website 72 hours later. Applicants who are denied will be required to go to a U.S. Embassy to apply for a formal nonimmigrant visa, such as a B1/B2 Visa, which may take months.Can a Traveler Find Out the Reason Why an ESTA Application was Denied?The U.S. Dept. of Homeland Security has stated that travelers may contact the DHS Travel Redress Inquiry Program (DHS TRIP at dhs.gov) but there are no guarantees that information about a denial will be divulged. U.S. Embassies and Consulates are not required to provide details about an ESTA denial nor resolve the issue that caused the ESTA denial.What If I Have a Criminal Record?Only those qualified to travel under the VWP are eligible to pre-register through ESTA. Persons who have been arrested and/or convicted are generally not eligible for VWP and probably require a formal Visa, such as a B1/B2 Visa, to travel to America. If a foreign national has received tickets for speeding (which don’t usually result in an arrest or conviction) they are probably still eligible for the VWP and ESTA. If a foreign traveler has been denied entry into or deported from the U.S., they require a formal Visa.Do Any Other Countries Have a Similar Program?Australia has a program called the Electronic Travel Authority (ETA) that mandates travelers to submit an ETA application electronically through a website requesting permission to travel to Australia. Airlines may refuse to accept passengers who do not have either an approved ETA or Visa to enter Australia.How Long Will the ESTA Application Data be Stored? Who Can Access It?The ESTA Travel Authorization is valid for two years or until the traveler’s passport expires, whichever comes first. The American government will maintain the information for at least 15 years to allow retrieval of the information for law enforcement, national security, or investigatory purposes. Information submitted through ESTA can also be shared with any U.S. government organization.What Information Does the Airlines Get?Airlines will receive confirmation of a passenger’s ESTA status visa the “Advance Passenger Information System” (APIS) which shows whether the ESTA authorization has been granted for a Visa Waiver Program traveler. It is recommended that the traveler print out the ESTA application approval in order to maintain a record of their ESTA application number and to have confirmation of their ESTA status.What About Children?Accompanied and unaccompanied children, regardless of age, are required to obtain an independent ESTA Travel Authorization.What if a Mistake was Made on the ESTA Application?The ESTA website will ask applicants to review their application before submitting it. Also, there is an update function for certain information such as email address, telephone number, or flight information. If an applicant makes a mistake that cannot be “updated,” he will need to submit a new ESTA application.What if I Only Have a Connecting Flight Through the U.S.?Visa Waiver Program visitors who have a connecting flight in the U.S. are required to either have ESTA Travel Authorization or a Visa from a U.S. Embassy in their passport to travel through the U.S. even for a one hour stop. If a traveler is only planning to stop in the U.S. en route to another country, the traveler should enter the words “In Transit” and his final destination in the address lines under the heading “Address While In The United States” on the ESTA application.What Are the Questions on the ESTA Travel Authorization Application?The traveler must provide (in English) biographical data including name, birth date, country of citizenship, country of residence, email address, sex, telephone number, passport information, destination address in the U.S., travel information (round trip airline ticket, flight number and city where you are boarding) as well as questions regarding communicable diseases (chancroid, gonorrhea, granuloma inquinale, HIV, leprosy, lymphogranuloma venereum, syphilis [active], tuberculosis [active], and others), physical or mental disorders, drug addiction problems, arrests, convictions, past history of visa cancellation or denial, and prior deportations from the U.S. The traveler will also be asked whether they are seeking work in the U.S., have ever been deported or tried to get a visa by fraud or misrepresentation. The traveler will be asked if they have ever detained a child of a U.S. Citizen granted custody of the child, and whether they have ever asserted immunity from prosecution.Do I Select “Business” or “Pleasure (Tourist) at the Airport Port of Entry?After the ESTA Travel Authorization is granted, the foreign traveler will be interviewed by government officers at the first American airport they land. The officer will ask what the foreign traveler will be doing in America and the questioning can take up to four hours in a detained setting called “secondary inspection.” The officer may ask the traveler “what else are you doing in America?” repeatedly to try to get “the real” answer. If the traveler is only going to be a tourist, they are not allowed to do any business, including meeting with any attorneys, applying for a bank account, meeting with real estate agents, or other business consulting activities. Even though the traveler is going to conduct just one business meeting while in America, they are required to report it and enter as a business visitor. The business visitor is allowed to participate in tourist activities, but the tourist visitor is not allowed to participate in any business activities. Therefore, if any business might be conducted while in America, it is best to tell the government officers about it at the airport to avoid being accused of lying, put immediately on a plane back to your home country, and barred from America for life.What Else Do Can the Airport Officers Make Me Prove After I Land?The airport officers will ask the traveler proof of a foreign residence (address on foreign driver’s license), whether their intention is to depart at the end of the visit (round trip airline ticket), whether the traveler has a job (letter, paystub, business card) and family in their home country, (marriage certificate, childrens’ birth certificates), and whether the traveler has the money to travel around America (bank statement or credit cards with bank letter showing credit limit). The airport officers are also required to ask where the traveler will stay in America (hotel reservations or friends/relatives’ homes) and have been known to pick up the phone to verify all of the aforementioned information.Can I Be Searched in the American Airport? Am I Entitled to Legal Representation?While being interviewed at the American airport, all luggage (even locked bags) can be searched, as well as the traveler’s body and his/her cell phone (including text messages and phone numbers) and laptop (including hard drive). The officers may “google” a traveler’s name and check out their myspace, Facebook or hyves pages. The traveler is not allowed to be represented by an attorney or even call their attorney while in “secondary inspection.” Bathroom visits, water and food may be limited, so it is best to prepare for such an occasion while still on the plane before landing.Do I Still Have to Go Through the “US-VISIT” Program at the American Airport?Foreign travelers arriving at American airports and seaports must still be photographed and fingerprinted every time they enter the U.S.Who Should I Ask For Help to Fill Out the ESTA Application?The information a traveler provides on the ESTA application can remain in their file with U.S. authorities for a minimum of 15 years – probably longer. If a foreign traveler has some questions about how to answer the questions so as not to be permanently barred from America, it would be prudent to them to pay for a legal consultation with an American Immigration Attorney who is a member of the American Immigration Lawyers Association (AILA). Beware of unauthorized private websites that offer ESTA application assistance for $49.99 – they are usually not authorized to practice immigration law and are asking travelers to pay for a copy of the application questions, which are free on the dhs.gov website.If I Am Denied the ESTA Travel Authorization Will it Effect My Ability to Obtain a Visa at the U.S. Embassy?When the ESTA Travel Authorization is denied, the foreign traveler must make an appointment at a U.S. Embassy in their country to apply for a formal Visa. The U.S. Embassy is operated by the U.S. Department of State and there are no expedited procedures for those who have been denied ESTA Travel Authorization. Because the ESTA program is so new, it is impossible to predict how badly a denial of the ESTA Travel Authorization will impact a traveler’s application for a Visa at a U.S. Embassy or impact their future travel to America in general. American Immigration Attorneys are in close contact with their foreign clients and will share the denial information with each other starting in January 2009. Currently there are no government policies regulating this area of the law, or opportunities to appeal a denial.When Is the a “New” ESTA Travel Authorization Required?A new ESTA Travel Authorization is required during the two years if (1) the traveler is issued a new passport (2) the traveler changes his name (3) the traveler changes his or her gender (4) the traveler’s country of citizenship changes or (5) the circumstances underlying the traveler’s previous responses to any of the ESTA application questions requiring a “yes” or “no” response have changed (such as a new arrest).Can an American Immigration Attorney, Travel Agent or Employer Fill Out the ESTA Application?A third party, such as a relative, travel agent or American Immigration Attorney, is permitted to submit an ESTA application on behalf of a VWP traveler. Be aware that the traveler is still responsible under the law for the answers submitted on his or her behalf by a third party.Over 68,000 travelers have already voluntarily registered by using the ESTA online system in the last few months. Applicants are reminded to obtain a new “e-passport” which has an integrated computer chip capable of storing biographic information from the data page, as well as other biometric information, when registering with ESTA.

Debt Management – What it Means For You

Within this age of falling economic indicators and ever escalating credit card bills for the average American consumer, debt management has become something of a hot topic everywhere from water coolers to bar stools, but there are a host of different methods surrounding debt management. Everything from bankruptcy to home mortgage refinancing to payday loans could reasonably be considered a form of debt management, but, within the scope of our current essay, we shall concentrate upon those types of debt management that consolidate unsecured (meaning, those loans without property attached) revolving debts through a series of negotiations with the lenders by a third party debt specialist. Credit card representatives are surprisingly open to bartering when properly cajoled by experienced debt management professionals, and, depending upon which program you choose, your interest rates and sometimes even your actual balances may be reduced significantly through these negotiations. The principal forms of this sort of debt management are Consumer Credit Counseling and Debt Settlement. Both strategies consolidate existing loans while attempting to decrease the overall money that is owed – though, to tell the truth, Debt Settlement (not accepting funds from credit card companies, unlike the lender subsidized Credit Card Counseling industry) has a far better success rate for actually diminishing the financial obligations.To a point, consumers can endeavor to attempt this sort of thing themselves. Certainly, representatives of the unsecured creditors will be open to conversation about the consumers’ renewed attention toward paying off their debts and will often shrug away interest rate reductions or waivers of past fees. However, unless you include a certified debt management company, it’s unlikely that you shall be able to truly lower the amount of the burdens. This is the importance of the consolidation effect. Debt management companies – Debt Settlement companies, particularly – can wield their leverage so effectively primarily because, since they’ve already consolidated all the various debts from the borrowers, each lender knows that they will be surrendering no more than their competitors. It’s not exactly that lenders do not care about retaining the rights to whatever money’s owed at whatever interest rate was originally agreed upon, but those lenders also understand that – however weakened after the legislation of past year – Chapter 7 bankruptcy debt elimination does still exist. As long as there is some semblance of bankruptcy protection, however unlikely the chance or unpalatable the option, each borrower has the potential of declaring bankruptcy protection and legally abandoning all credit card accounts. The credit card companies are under no obligation to make such offers, of course, and a few lenders yet refuse to negotiate with Debt Settlement counselors nor decrease current credit accounts regardless of the threat.Since debt management remains such a relatively young field, many consumers are rightly concerned about how to go about selecting a company to work with. It’s not like you can just ask your grandfather for advice on debt management the same way you’d expect him to have knowledge of loan officers or accountants. To a certain point, one has to trust instinct when choosing the firm and the counselor with whom you’re – in a very real way – entrusting your family’s financial future, but there are ways to verify the company’s qualifications before starting the process. The Better Business Bureau and several federal agencies maintain records of prior clients’ disapproval. The internet tends to highlight negative features of virtually every enterprise. Consumer Credit Counseling agencies, the past three years, have become an essential part of the bankruptcy declaration – pointless courses are now required before and after Chapter 7 debt elimination – and, through this unexpected turn of events, the more legitimate Consumer Credit Counseling firms must now undergo Justice Department scrutiny and approval in order to be considered for this (highly profitable) secondary purpose. Consumer Credit Counseling companies that do not bother to request government certification likely either have something to hide or display a laziness that in itself should be a warning sign. Debt Settlement companies, while they are not subject to the same governmental scrutiny, maintain their own national organization which subjects members to a rigorous bout of testing before certification would be awarded.In the most basic possible explanation, the Debt Settlement approach attempts to negotiate lower balances from the creditors in exchange for a heightened payment schedule (and hefty tax write off for the lender, naturally). While the Debt Settlement method does carry alongside a deleterious effect as regards credit reports and FICO scores, the worsened credit rating is still relatively minimal compared to most other debt management solutions. Many of the unsecured lenders – we’re largely talking, once again, about credit card accounts – try to woo problem spenders and delinquent borrowers through offers of one-time lump sum payments that greatly diminish overall balances but those balance are not then reported as ‘satisfied’ to the credit bureaus, Indeed, while these sorts of shenanigans may technically be considered debt management, they are often falsely named debt consolidation when in fact the practice actually resembles a last ditch scheme of desperation on the part of the borrower and the lender. This sort of debt management approach is thought to be the last refuge of the wicked, and your credit report shall reflect this.As long as you do not overly upset the household budget nor forget to save some additional funds for medical emergencies and the like, each borrower should do what it takes to pay off their loans as swiftly as possible with the worst interest rates tackled first. While tax liens and court mandated burdens cannot be avoided – after all, the ultimate consequence for ignoring those debts is rather more severe than purely lowered FICO scores – there’s also little reason to pay much more than the minimum. Governmental debts generally feature very low interest and court representatives are surprisingly willing to extend terms and lower payments so as to not too greatly inconvenience the debtor, and the same can be said for most (typically community or state monitored) utility companies. Utilities, it should be said, also tend to forget to report late payments to the three credit bureaus, but the same cannot be said for real estate loans or other secured debts. You need to make sure your mortgage, especially considering the current boom market for foreclosures, is paid precisely on time (mortgage lenders, already tending toward the predatory, love nothing more than to ruin their borrowers’ credit scores so as to prevent future refinancing), but, even so, you shouldn’t concern yourself with getting rid of secured loans too quickly. They look the best upon credit reports, they appreciate in value (apart from automobiles, of course) and they tend to have the best interest rates.Credit cards should be the primary focus of proper debt management, and, to really strike a blow against the various lenders, you should probably consider one of the debt consolidation techniques that are increasingly popular for Americans of all walks of life. To be sure, you can talk to credit card companies on your own, but, as we said earlier, they are far less likely to treat settlement negotiations with amateurs as seriously as they would an experienced (and, with regards to the new debt settlement industry, certified) debt management profession. Even so, you have to remember that there are many different forms of consolidation out there and an equal number of possible results to be had from your efforts. So many consumers walk blindly into Consumer Credit Counseling offices after being pummeled by the endless succession of advertisements and are immediately talked into signing on in order to receive the lower interest rates (and, more importantly, the vastly lowered payments made available) without actually thinking over whether or not the program is right for them. There are FICO score issues to be discussed – Consumer Credit Counseling actually shows up worse than bankruptcy protection when written upon credit reports – and the question of whether or not such a program would actually aid your finances in the long view.Remember, while interest rates will almost assuredly be lowered well below what the credit card companies charge, there are fees involved with Consumer Credit Counseling (apart from whatever they charge the credit card companies; yes, it’s a very profitable enterprise) that do not always make up for the comparatively lessened interest rates. At the same time, while the payments will almost always be substantially lower through any Consumer Credit Counseling consolidation program, that’s often because the terms are extended to such a degree that – even if the interest has been dramatically shaved – the borrower will still end up paying more money over the course over the loan. Particularly for debtors that already have demonstrated problems with their buying habits, lower monthly minimums are not necessarily in the debtors’ best interests. Consumers prone to purchasing binges should not always have more spending money made available to them when they have not addressed the underlying causes that first landed them in the predicament of needing debt management assistance. Much of the time, you would be better suited by merely taking care of the bills at hand – with credit card remaining the priority – rather than paying additional money for one company to artificially lengthen the repayment process. At the very least, take care to investigate the Debt Settlement approach and indulge a free initial consultation to distinguish their possibilities when compared to Consumer Credit Counseling.Even after the approach has been decided upon and the company of choice has been, as they say, vetted, there are, still, several things to watch out for regardless of the business’ standing within the community or their previous dealings with friends and family. Remember, no matter how legitimate the company, you are personally dealing with a debt specialist working for that company, and, regardless of the organizational guidelines, even the best firms may sometimes hire counselors that are striving to get ahead above and beyond the purposes of their client. Once again, you must get everything – EVERY LAST DETAIL – written down and fully documented to prevent potential abuse from less than competent assistance. Ensure, through recorded agreements, that the creditors shall be paid each month on time as promised so that the debt management company knows that they themselves will be held liable for any potential slip ups. If the debt management firm says that the creditors insist upon an initial payment toward said debt management firm prior to negotiation (which does occasionally happen), ask to see the paperwork – or, better, talk to the lender yourself and verify precisely what they want.Do not agree to any program necessitating stipends that you believe your household cannot regularly meet. It is the responsibility of the debt management company to calculate a budget that recognizes the day to day expenses their clients of yet and does not stipulate a monthly payment that overly restricts the availability of their funds. So much of debt management revolves around proper budgeting, and the counselor has to be considerate of their clients’ needs. While you should not thoroughly respect any program that allows overly lax terms (minimizing payments without touching the balances of your credit card debts, after all, only increases the eventual sums to be paid once compound interest continually adds up), you have to make sure that the payments are still comfortable for the household throughout the year. As well, you should know that most of the more effective debt management solutions force their clients to refrain from additional borrowing over the course of the program. Once again, this philosophy changes alongside the debt relief approach that you choose, but you’d probably better assume that, while within the debt management proceedings, you will not be allowed to take out further loans.If anything we have written sticks with you, it should be this: document on paper ever single element of debt management. Even prior to accepting one program or another, you should receive a written estimate that details every single fee the debt management company may charge. However comfortable and friendly the debt counselor that you plan to work with may seem, do remember that the most successful financial professionals essentially ask for as much as they think the borrower is willing (or able) to pay. No matter your relationship with the debt management specialist handling your case, demand a legal documentation of everything discussed. It’s just common sense, really. Even if your counselor genuinely is legitimate and beyond reproach, the debt management company itself may have institutional guidelines that attempt to slip in unnecessary charges hidden in the fine print. The eventual quote can’t be analyzed too closely. If you aren’t sufficiently familiar with the verbiage or concepts surrounding the debt management contract, ask friends or even acquaintances for assistance. Make absolutely sure that this is the program that you want to join and that this is the company you wish to work with for a number of years. Once you sign up for a debt management program, it’s not exactly a life partnership, but the repercussions shall be felt for years to come should things go poorly.

Why OpenCart Is Ideal For Your Online Ecommerce Business

The themes, plug-ins, extensions, and tools provided by ecommerce platforms make it easier for enterprises to take their businesses online. You have option to choose from several ecommerce platforms according to your precise needs and objectives. Unlike other ecommerce platforms, OpenCart is open source and free. Hence, you can use this online store management system to build and run ecommerce websites without paying any monthly fees. In addition to reducing ecommerce application development cost, OpenCart also comes with features to accelerate custom web store development.It enables you to build and customize ecommerce applications using popular technologies like HTML, PHP and MySQL. Also, OpenCart makes it easier for you to build, maintain, and upgrade the web store by supporting model-view-controller (MVC) pattern. Also, it helps you to promote and sell products to more customers by supporting multiple languages, currencies, and payment gateways. You can even take advantage of the features provided by OpenCart to create a robust ecommerce website according to your precise needs.Features that Make OpenCart Compete with Commercial Ecommerce PlatformsSupports MVC PatternAs mentioned earlier, OpenCart is developed based on MVC pattern. The MVC pattern enables you to accelerate web store development by keeping the user interface and business logic layers separated. The separation further helps you to maintain the ecommerce website quickly and make changes to its source code without any hassle. At the same time, you can customize the open source ecommerce platforms according to your precise needs simply using HTML, CSS, PHP, and MySQL.User-Friendly Admin InterfaceOpenCart further comes with a simple and user-friendly admin interface. It allows you to manage multiple stores through a single admin interface. You can even use the admin interface to categorize users/user groups, and set precise access and privileges for each user. At the same time, you can use the admin interface to access important information related to customers, sales, and orders. The latest version of OpenCart also comes with an admin interface which is accessible on both computers and mobile devices.Supports Unlimited Products and CategoriesOpenCart makes it easier for you to sell a large number and variety of products by supporting unlimited products. It even allows you to organize and display the products in a structured way by creating multiple categories and subcategories. You have option to create many categories and subcategories, and assign products to individual categories. OpenCart also allows you to sell both physical and digital products. You can even boost online sales by providing the marketing features provided by the open source ecommerce platform.Helps to Drive Online SalesIn addition to facilitating sale of both physical and digital products, OpenCart further helps you to promote the products and increase online sales. The admin dashboard provided by the ecommerce platform enables you to create and monitor digital marketing campaigns from a centralized location. At the same time, OpenCart also helps you to boost online sales by implementing reward programs and improving customer journey. You can even take advantage of an integrated system provided by OpenCart to promote the products effectively through customer reviews, comments, and ratings.Supports Multiple Languages, Currencies, Payment Gateways and Shipping MethodsUnlike other commercial ecommerce platforms, OpenCart does not allow you to sell products through various online sales channels. But it helps you to sell products to customers regardless of their current location by supporting multiple language, currencies, and payment gateways. In addition to supporting thirty-five payment methods, OpenCart also allows you to set up recurring payment option for customers and sell product through subscription. At the same time, you also have option to choose from several shipping options according to the shipping address of individual customers. These options help you to sell your products in a flexible way and improve shopping experience of global customers.Choose from Many Themes and ExtensionsOpenCart is developed as a modular ecommerce platform. It allows users to customize and extend its functionality by adding specific modules. You have option to extend the core functionality of the ecommerce platforms by installing extensions for bestsellers, latest, special, manufacturer, and information. Also, you can use the Extension Installer provided by the platform to add modules without writing additional code. Likewise, you can make the web store appealing by downloading a beautiful theme from the OpenCart marketplace. At present, you have option to choose from over 13000 themes and extensions. However, some of these themes and extensions are commercial and paid.Refines Product SearchMost users nowadays love fast and responsive ecommerce websites. They even expect the website to allow them to find and compare relevant products without any hassle or delay. OpenCart enables customers to gather information about relevant products through refine search. You can crate filters to make it easier for customers to find and buy relevant products. The filters can be created just like categories. But the filters will make it easier for customers to evaluate and compare products based on a number of parameters including price, manufacturer and condition.Keeps the Ecommerce Website ResponsiveA large percentage of customers nowadays access ecommerce websites on their mobile devices. Hence, you need to make the ecommerce website accessible and look good on smartphones, tablets, and desktop/laptop computers. OpenCart is developed as a responsive ecommerce solution. It makes the web store accessible on a variety of devices by keeping it responsive. You can even enhance the mobile-friendliness of the web store by using responsive themes.On the whole, you can always consider using OpenCart as an alternative to commercial ecommerce platforms. But you must not forget that OpenCart, like other ecommerce platforms, has its own shortcomings. For instance, OpenCart lacks some of the robust features provided by other ecommerce platforms like caching and hook system. Also, it requires you to use additional plug-ins and extensions to enhance the ecommerce website’s functionality and performance. However, it has been evolving consistently to compete with other commercial ecommerce platforms. You can still consider using OpenCart build a custom ecommerce website developmnet without investing extra time, effort, and money.

Be a Wholesale Dropshipper of Ladies’ Clothing – Tips to Help You Find Suppliers of Ladies’ Clothing

Different occasions warrant different clothes for fashion conscious women who want to look their best and wear their newest trendy clothes. Everywhere in the world, women always want to be seen wearing the newest and most fashionable clothes they can find. Even with the global economic crisis, ladies still shop for clothes that can suit their preferences and needs.It is for this reason that many enterprising businessmen are starting to venture into selling clothing exclusively for ladies. If you are one of these people who have seen the bright opportunities of selling ladies clothes, then why not be a wholesale dropshipper?If you have already decided you want to venture into selling ladies clothes as a wholesale dropshipper, then go a little step further by bringing your business online where you can sell to all the fashionable women the world over. The internet has revolutionized the consumer trade, thus it is now possible for anyone anywhere in the world to order your products online and have it delivered on their doorsteps. It is just a matter of having a network or affiliates which can easily be contacted so that you will be able to deliver the best quality service to satisfy your clients so that they will eventually come back for more.Most manufacturers of ladies clothing have outsourced the making of their clothes in countries where labor is inexpensive. This is a sound business scheme to enable them to sell their clothes at cheaper wholesale prices to businesses. If you want to look for the best manufacturers who can give you quality but cheap clothing products, then go online and browse through sites which has a directory of the most reliable companies in the business. These sites, such as SaleHoo, have comprehensive information regarding dropshipping and wholesaling which can be very useful when you are still starting up on your online wholesale business. Be sure to join forums where you can read about experiences and opinions of other people who are on the consumer trade. You can also participate and ask your questions so that you can clarify some points to make you better understand the different aspects of establishing and running an online wholesale business.

Complete Men’s Skin Care & Shaving Ingredient List Part 1

Acrylates/C10-30, Acrylates/C10-30 Alkyl Acrylate Crosspolymer – A film forming agent that produces excellent water binding properties. Used as a moisturizing agent.Avobenzone (2%) – Used in sunscreen and sun block products. Doubles or triples their UVA protection. Avobenzone and Zinc Oxide are the only 2 sunscreens approved for broad spectrum protection.Agave Tequilana Leaf Extact (Blue Agave) – A moisturizing agent derived from the Blue Agave plant. Ancient cultures have known about it’s great moisturizing properties for centuries.Akyl Acrylate – A film forming agent that grabs moisture from the air and disperses it into the skin.Alcohol (Denatured) – Also known as SD (Specially Denatured) Alcohol. Used in many skin toners to help break the surface tension of oils and make them easier to be removed from the skin.Aleurities Moluccana (Kukui) Seed Oil – A moisturizing and skin soothing oil derived from the Candle Nut Tree. Mainly Exported from Hawaii but also found in other tropical regions.Algae Extract – Am extract derived from Algae. Algae has been used for it’s skin healing properties for years. Scientists have recently that found that Algae contains many antioxidants that are easily absorbed into the skin to be in algae.Alkyl Benzoate – is an emollient Ester that provides the skin with light conditioning and leaves the skin feeling silky soft. Alkyl Benzoate is great for men with sensitive skin.Allantoin – is a by product of Uric Acid that is known to be a great anti skin irritant. Allantoin is a great ingredient for men who’s skin is sensitive or easily irritated.Almond Oil (Sweet) – is an oil extracted from Almond Seed. It is considered a non-Volatile oil. It is used as a moisturizer and has great skin softening properties.Aloe Vera – Known for years to have powerful Anti-Inflammatory and Anti-Bacterial properties. Aloe Vera also contains a large amount of antioxidants and also a water binding agent that helps pull ambient moisture from the air onto your skin. A must have ingredient to help treat sunburns.Alumina (Aluminum Oxide) – is used in skin care products as a thickening agent and also as an absorbent to help other ingredients be absorbed into the skin.Anthemis Nobilis Flower Extract (Chamomile) – a potent anti-Inflammatory for the skin. Also has strong anti microbial properties. Is considered an essential oil and is derived from the Chamomilla recutita Plant.Apricot Kernel Oil – is a plant oil pressed from the seeds of the apricot fruit. It is a non fragrant plant oil and is used as a moisturizer in many Men’s skin care products.Artemisia Vulgaris Extract (mugwort extract) – An Anti Inflammatory for the skin.Ascorbic Acid – A form of Vitamin C that is known for its Antioxidant properties.Ascorbyl Palmitate – is the Stable and non acidic form of vitamin C that is known for it’s Antioxidant properties.Avena Sativa Kernel Extract (Oat) – Is an extract derived from the Oat Plant. Avena Sativa Extract has strong Anti Irritant and Anti Inflammatory properties.Avobenzone 3% – is a synthetic ingredient that is used as a sunscreen and sunblock. It is also known by the names Parsol 1789 and butyl methoxydibenzoylmethane.Avocado Oil – Is an emollient and also a non fragrant oil. It is used in skin care products for its moisturizing properties and its antioxidant qualities.Azeloglicina – A Chemical compound that is known to moisturize the skin. It is also used as a an anit ance treatment in a variety on men’s skin care products.Azulene – an extract from Chamomile used mostly as a natural coloring agent in cosmetics. It is known to have antioxidant properties.Basil – an herb you usually see in Italian recipes. But it’s oil extract has been used for years in many cultures as a skin treatment. Basil enhance the tone of your skin as well as removing dullness from your hair and skin.Bay Leaf Oil – A very potent Antioxidant rich oil derived from the Bay leaf.Beeswax – A natural wax made by bees in the construction of there honeycombs. Beeswax is mainly used as a thickening agent. Due to this property it is used in many mens hair products such as gels and pomades.Behentrimonium Chloride – is a skin conditioning agent and is often used for its emulsifying properties.Behenyl Alcohol – is used in cosmetics and skin products as a thickening agent. It is not related to the forms of alcohol that can be irritating to the skin.Bentonite – is a cometic grade clay that is used as an absorbent in skin care products. It is usually used in products designed for men with oily skin as it can help absorb excess oil on the male face.Benzocaine – is a anesthetic that is used on the outside of the skin. Benzoncaine is used topically to help relieve the feeling of irritation or burning that some men experience while shaving.Benzophenone-4 – a sun blocking compound found in many sunscreen products. It is mainly used in broad spectrum protection products as it mainly protect the skin from UVB rays. It does block some UVA rays but not as much as other compounds.Bergamot Oil – is a citrus based oil that has a pleasant fragrance and can be used in skin products to soothe the skin.Beta-Carotene – is a compound that helps form Retinol which is a fancy name for vitamin A. It has strong antioxidant properties and can help reduce the visual signs on sun damage and aging.BETA-GLUCAN – is a sugar / starch based compound that is usually derived from yeast. It has mil antioxidant properties, but is mainly used for its anti-inflammatory properties.Bilberry Extract – an antioxidant rich compound.Biosaccharide Gum-1 – is made from fermenting plants. It is a skin soothing and moisturizing agent. It works by pulling moisture from the air into the skin. It is also a mild anti irritant.Bis-Diglyceryl Polyacyladipate-2 – is a higher form of lanolin. It has high moisturizing properties. Due to it’s semi solid state it is usually used in lip balms and other lip products.Bisabolol – is used on the skin as an anti-irritant. It is usually extracted from chamomile or created synthetically.Bitter Orange Oil – a fragrant oil derived from the citrus family, mainly oranges. It is used as a natural fragrance for skin products.Boerhavia Root Extract – is an Indian plant extract that has strong anti inflammatory properties. It is used in many men’s skin care products that are designed for men with sensitive skin, but it is mainly used in after shaves and post shave products.BUTYLENE GLYCOL – used in cosmetics to keep products from freezing or melting from temperatures deviating from room temperature. It also helps active ingredients penetrate the skin and is used as a delivery agent.Butyrospermum Parkii (Shea Butter) – is extracted from the Karite Tree. It is a plant lipid that is rich in antioxidants. It is used as an emollient in many men’s skin care and shaving products. It is a staple in the skin care industry for its great skin moisturizing properties.BUTYLPARABEN – is a chemical compound that is used as a preservative in skin care and shaving products. It is also used as an antifungal agent.C12 15 Alkyl Lactate – is used as a thickening agent in skin products.C12-15, C12-15 Alkyl Benzoate – is used as a thickening agent in skin products.Calcium d-Pantothenate (Pro-Vitamin B5 or Pantothenic Acid) – is used as an anti acne compound in many acne or pimple products. It is also known to have mild hydrating properties and wound healing abilities.Calendula Extract – is used as an anti bacterial and anti inflammatory agent in many products. It is derived from the Pot Marigold plant.Calophyllum Inophylum Seed Oil (Tamanu Oil) – is an exotic ingredient that is native Polynesia. It is an all around skin healer. It has been used to treat Acne, Eczema and Psoriasis. It is also know to have anti-inflammatory effects.Camelia Oleifera Seed Extract (Green Tea) – Is known for it’s Antioxidant, Anti-Inflammatory and Anti-Carcinogen properties the world round. It is also thought to help prevent collegen breakdown and help reduce UV damage to the skin.Canadian Willowherb (Epilobium Angustifolium Extract) – is used as an antimicrobial agent in many skin and shaving products. It is also known as an anti irritant. Commonly derived form the Fireweed or Willow Herb.Cannabis Sativa Seed Oil (Hemp) – is used as an emollient in cosmetics and other men’s products. It is also considered a fatty acid. It is derived from the plant genus Cannabis which is also the genus that marijuana is part of, however while similar in shape and color, Hemp contains almost zero THC which is the active ingredient that users seek from the drug Marijuana.Caprylic/Capric Triglyceride – is an extract that is commonly derived from the Coconut. It is usually used as an emollient or thickening agent.Caprylyl Glycol – is a skin conditioning agent that can be obtained from plants or created synthetically in a lab. It is used as a preservative in many shaving, hair or facial products.Carbomer – A group of chemical agents used to thicken a product. This thickening agent is usally used in gel based products such as shaving gels and hair gels.Carica Papaya (Papaya) Fruit Extract – is commonly used in skin care products as an exfoliating agent. It is derived from the papaya plant and fruit.Carrageenan Extract – is a cosmetic grade gum that is derived from seaweed. It is usually used as a thickening agent, but is also known for it’s moisturizing benefits to the skin.Castor Oil – is a vegetable oil that comes from the Castor bean. Castor Oil leaves a film on the skin which attracts moisture to the skin. Castor oil is used in many men’s shaving products such as Pre-Shave Oils and Pre Shave Sticks and is also used in some shaving creams.Centella Asiatica Extract (May be listed as Hydrocotyl, Gotu Kola or Asiatic Acid) – It is known for having Anti Bacterial and Anti-Psoriatic properties and is also a great ingredient to heal wounds and superficial cuts on the skin.Ceratonia Siliqua Gum – Is derived from the Locust bean. It is used as an emollient and as a viscosity controlling agent.Ceteareth-12, 20 & 25 – Is a family of fatty alcohols that are used in skin care products to thicken the product as well as keep all of the ingredients mixed together.Cetyl Alcohol – Is a fatty alcohol that is usually derived from the coconut tree, but can also be created synthetically. It is used in skin products as an emulsifier, and as a thickener that also delivers other ingredients into the skin.Chlorphenesin – An alcohol used to preserve the ingredients in a cosmetic product.Cholesterol – Helps maintain the skin natural function and well as attract moisture to the skin.Cinnamon Extract – Used for its antimicrobial properties as well as it antioxidant benefits.Citric Acid – Is derived from the citrus family of fruits. It is used mostly to adjust the PH of skin products.Citrus Aurantifolia (Lime) Oil – Used in many products to help with preventing and treating acne on the face and body. Lime Oil also has great antiseptic properties.Citrus Aurantium Dulcis (Orange) Oil – Used in many products to help with preventing and treating acne on the face and body. Orange Oil also has great antiseptic properties.Cocamide DEA, MEA & TEA – Are a group of chemicals that are used as a foaming agent in everything from shampoos, facial moisturizers, body washes and soap bars.Cocamidopropyl Betaine – A gentle Surfactant or Surface Active Agent is a cleaning agent that helps emulsify fats and oils on the skin in order to rinse them off and remove them from the face or body. It also suspends soils and dirt that it can be easily removed from the skin with water.Colloidal Minerals – Ground up natural minerals that are ground extremely finely and added and suspended in a product solution.Cornstarch – used as an absorbent in many products designed for men with oily skin. Cucumis Sativus (Cucumber) Extract – Derived from the Cucumber, which belongs to the gourd family. This extract is known for its anti-inflammatory effects. It has been used is spa’s as a treatment for puffy eyes for years.Cyclomethicone – A silicone based compound that has a slightly drier finish on the skin than Dimethicone. Commonly used in men’s shaving products as a lubricant to help glide the blade across your face.DEA Cetyl Phosphate – Commonly used a lathering agent in skin, body and hair products. It is usually paired up with a foaming or detergent agent to get a cleaning and foaming property.Dead Sea Mud – cultures living around the dead sea have used the mineral rich mud from the dead sea as a skin treatment for centuries. It is a well known treatment for Psoriasis as well as dry skin, acne and wrinkles.Decyl Glucoside – A gentle detergent that is commonly used in mens face washes that are geared toward men with sensitive or dry skin.DIAZOLIDINYL UREA – A preservative agent used in many cosmetics and skin products. Prevents the growth of bacteria, mold an fungus in the product.DICAPRYLYL CARBONATE – An Emollient that can be derived from synthetic or animal sources. It spreads easily the leave the skin feeling soft without leaving a greasy feeling on the skin.DISODIUM EDTA – Acts as a stabilizer in skin products and prevents certain ingredients from binding with smaller trace ingredients. Helps prevent the a change in color, texture and consistency over time.DMDM Hydantoin – Preservative agent in many skin care products.EDTA – An Emollient that can be derived from synthetic or animal sources. It spreads easily the leave the skin feeling soft without leaving a greasy feeling on the skin.Epilobium Angustifolium Extract – is an plant extract derived from the Willow Herb or Fireweed. It is used as an anti microbial agent.Eucalyptus Globulus Leaf Oil – used as an anti microbial agent as well as an antifungal and anti viral agent.Eucalyptus Oil – used as an anti microbial agent as well as an anti fungal and anti viral agent.Euphorbia Cerifera (Candelilla) Wax¡V A plant extract that is derived from the Candelilla plane. This wax is used as a base in lip balms. It give the balm or stick its form. It is also used as an emollient.Gardenia Tahitensis Flower – Mainly used as a fragrance in many cosmetic and skin products. It is also a known antioxidant.Geranium Oil – Is a fragrant natural oil that has anti microbial properties.Ginger Oils – Used in men’s skin care products as an anti inflammatory. Used in many after shave or post shave products.Glycereth-7 – Used as an emollient or thickening agent in many skin based cosmetics.GLYCERIN – Click here to read more about Glycerin.Glycine Soja (Soybean) Oil – This ingredient is extracted from soybeans. It is an emollient and a natural moisturizing agent.Glycol Stearate – Used as an emollient or thickening agent in many skin based cosmetics.Glycolic Acid – A synthetically derived acid that help break down oil on the skin, exfoliates the skin and can reduce fine lines on the face.Gotu Kola Centella Asiatica Extract – Also known as Asiatic Acid, Gotu Kola or Hydrocotyl. Known for it’s anto-sporiatic and skin healing properties.Grape Seed Oil – Is used for its antioxidant properties and is also an emollient oil.Green Tea Extract – Known for its antioxidant, anti carcinogen effects. Studies have shown the compounds in green tea to help prevent skin cancer in humans. It is also known to reduce collagen breakdown in the skin, which leads to wrinkles and general aging of the skin.Hamamelis Virginia (Witch Hazel) Extract – A potent antioxidant and anti inflammatory. Used in many astringents and electric pre shave solutions for skin cleaning ability and its ability to tighten the skin and raise beard stubble.Hippophae Rhamnoides Oil (Buckthorn Oil) – Known for its anti aging properties and skin healing abilities. A great ingredient to combat wrinkles and dryness of the skin.Honey – While normally consumed as a food, Honey has many healing properties for the skin. It is rich in vitamins and amino acids. Some studies have shown it to reduce the visible signs of aging.Hops – Used for its antioxidant and antibacterial properties. Also makes great beerƒºHyaluronic Acid – Is a natural compound found in skin. It is used as a water binding agent, drawing moisture to the skin.Hydrolized Wheat Gluten – A compound derived by hydrolyzing wheat with water. Used in conditioners as a softening and conditioning agent. Also gives hair it’s shine after being applied and rinsed off.Hydrolyzed Jojoba Esters – A compound derived from the Jojoba Plant. It is a fatty acid that is used to condition the skin.Hydroxyethylcellulose – A thickening agent derived from plants. Typically used as an emulsifier or thickening agent. Can sometimes be used in men’s hair styling products as a film forming agent.odopropynyl Butylcarbamate – An Anti-Fungal agent that is synthetically derived.Isododecane – Used as a solvent in many men’s skin care products. It enhances the spreadability of the product and has a weightless feel on the skin. It also helps prevent the loss of moisture from the skin.Isohexadecane – Used as a cleansing agent in mens skin care products. It is also used as an emulsifier and a thickening agent.Isopropyl Myristate & Palmitate – Both of these men’s skin care ingredients are used to thicken skin care products as well as emulsify them.Sostearic Acid – Is a fatty acid that is usually used as a thickener and a binding agent.

Discover Mattress Cleaning Business Opportunity, Start NOW, Benefit $Millions in Free TV Advertising

Mattress Cleaning? When was the Last Time You Cleaned Your Mattress? Clean a mattress…what the heck are you talkin’ about? Mattress cleaning is a newly developing and untapped business opportunity. Mattress cleaning is an absolute necessity, proven and evidenced over the last decade by the steadily decreasing $billions spent by Europeans annually, on respiratory and allergy medications. Nearly 4,000 mattress cleaning businesses have sprouted up throughout Europe in the past twelve years and continue to sprout up there and in other places such as Australia, the Far East, and the Pacific Rim. Now, North America has become virgin territory for the up and coming, mattress cleaning professional.Actually, Mattress Cleaning is Far, Far, from being a New PracticeFor thousands of years, mattress cleaning had been a routine task typically done each spring and if the weather permitted, again in the fall. Mattresses were toted outdoors, propped up against a pine tree, and then had the crap (literally) beaten out them with big tree limbs. Certainly, I suppose around the 1900′s, the use of tree limbs may have been replaced with baseball bats, 2×4′s, hockey sticks, tennis rackets, 9-irons, or whatever else might have been handy and still including the ever present tree limb.Grandma and Grandpa knew decades ago, what the Europeans have recently learned. I now know what grandma and grandpa knew. I can recall back in the ’60′s, that if I wanted to go out on the lake and fish for bluegills, I had to first tote all the mattresses outdoors, prop them up and beat them mercilessly. This laborious and mundane chore slowly evaporated to the point that we have completely forgotten about it. During the ’60′s and beyond, the U.S. population became more and more mobile. Grandparents moved to Florida or Arizona, or maybe stayed behind while their children and grandchildren moved away, thus, this miserable, dusty task, which had no apparent visual change…died.The Connection between Poor Indoor Air Quality and Unhygienic MattressesIndoor air pollution has been pinpointed as the reason for increasing respiratory illnesses, year after year, since 1980. Construction methods implemented in the ’70′s due to the energy crisis, called for improved insulation and more “air-tight” buildings. The negative effect, unknown until recently, is that the decrease in natural ventilation has allowed for an increase in poor indoor air quality, allowed dust mites to thrive, and allowed harmful allergens to accumulate. Within household dust, 80%-90% of the allergenic composition is directly produced by dust mites. Every home in the U.S. has dust mites and over 50% of the homes are infested with dust mites.The dust mite allergen (DMA) called “guanine” found in fecal matter of dust mites, is a very potent digestive enzyme that breaks down and destroys living tissue. An average-sized mattress harbors 2,000,000 dust mites excreting 20 to 30 fecal pellets each day. Due to its light weight, the guanine allergen easily becomes airborne and is so small in size that it is easily inhaled, destroying healthy lung cells. It affects everyone to varying degrees, but has very serious consequences for infants to age five, the elderly, and persons with chronic illnesses. Very unfortunately, this group of people is also the same group that spends 95% of their life indoors. The percentage of new cases of asthma and asthma deaths, have outpaced the population growth across the U.S. and is now at nearly epidemic proportions. The number of persons suffering from allergies has increased likewise.Dust Mites, Government, Health Associations, News Media, and TV HostsThe U.S. Environmental Protection Agency (EPA) has replaced their previous #1 concern, outdoor air quality, with indoor air quality. U.S. health organizations, across the board, have partnered with the EPA to educate the American public of this latest major concern. National, as well as local, news media have aired many television reports and have at their disposal, public service announcements (PSA’s) created by the EPA, ready for broadcasting. (see the EPA’s, new in 2007, website: http://www.noattacks.org ). All major news networks such as FoxNews, CNN, MSNBC, CNBC, and Headline News, have featured prominent personalities such as CNN’s, Dr. Sanjay Gupta, FoxNews’ Dr. Isadore Rosenfeld, NBC’s Matt Lauer and Katie Couric (formerly of NBC) and most recently, on March 21st, 2007, ABC’s “Good Morning America” aired a segment reporting on this alarming issue. Featured on GMA, were two university professors and the CEO of the American Hotel and Lodging Association.Every Day, Major Corporations Promote the Need to Remove Dust MitesIf you still feel the above exposure does not warrant the need to start your own “Home Indoor Allergen Control” business, focusing mainly on the removal of dust mites and DMA’s, then consider this fact. Dozens of big businesses such as; Tempur-Pedic, Trane, Fil-Trete, SC Johnson & Son, Oreck, Bissell, Dyson, and Sharper Image, are all “jumping on the bandwagon” and spending millions of dollars advertising on television, radio, and in the print media. It’s no wonder why, because the potential size of the targeted market is not just huge, it’s magnanimous!Over 20% of the U.S. population suffers from asthma, 50% suffer from allergies and everyone is impacted by the harmful ill-health effects of guanine. Now throw into the mix the “health and wellness” movement that continues to build momentum and retiring baby-boomers with disposable income. That’s big money to be made! Major corporations want their share of the “pie” and are aggressively marketing their products as the “end all/cure all” solution to the problem of indoor air pollution and dust mites. By doing so, this huge spending spree is also educating the public, marketing, and advertising the NEED for YOUR new business opportunity! Are you still not motivated, are your eyes not open to the possibilities, do you need MORE convincing? Okay, no problem, I got more, read the next paragraph for the “kick in the butt” that you need (and maybe, deserve).How Can A Mattress Cleaning Business Compete with Big Corporations?Four words, “their products don’t work!” Every one of the products being aggressively marketed as the “end all/cure all” is a passive, or a static, product that does not “attack” the sources of indoor contaminants. They are “defensive” products that do not take an “offensive” approach. Each one, either in use by itself or in combined use with the other products, still don’t provide the necessary results or provide the necessary relief needed by millions of people.Only a proactive, dynamic offense that attacks, removes, or reduces the contaminant sources to an acceptable level, can achieve positive results. Professional mattress cleaning technicians provide the needed results by using technologically advanced, high-performance HEPA-rated vacuum cleaners designed for servicing “cleanrooms” in the hi-tech field, special UVC light wands with Ultraviolet Germicidal Irradiation (UVGI) capabilities, and odorless, all natural, non-toxic, non-flammable enzyme cleaners. The trained eyes of professional mattress cleaners are also needed to identify the horrifying, blood-sucking bedbugs, which were once nearly eradicated but are now making a come-back.Research the “Mattress Cleaning Business” to See if It’s for YouEnter “dust mites” and “mattress cleaning equipment” or “mattress cleaning business” into the search engine of your choice. Some companies charge $5,000, $9,000 or even $23,000. Do not pay over $2,500. Combine the efforts of U.S. government and the desire of health organizations’ to educate the public, the “Health and Wellness” movement, the ever increasing indoor pollution effects on our health, free national media exposure, corporations advertising the need for the service, the publics awareness of the need for “green” or “environmentally friendly” services, this may very well be…the business opportunity for YOU!

Licensed Canadian Pharmacies

The quest for cheap health care products has led many customers to the doors of pharmacy shops based in Canada. While there has been some hue and cry in the United States over the safety issues pertaining to the drugs imported from Canada, many states of the US have already gone ahead and tied up with Canadian pharmacies licensed by Canadian provinces and governed by the laws and regulations of that country.The justification given for such a move is to make health more affordable and to ensure that much needed drugs are made available to the customers. States like Wisconsin have already short listed pharmacies based in Canada to provide mail order drugs to people back home. The short listing process included a visit to study the pharmacy’s facilities as well as the protocols used for filling prescriptions. The applicable Canadian laws were also studied to gain better insight into the measures adopted to ensure regulation of the industry and to discourage compromise on quality for commercial gains.Tying up with licensed pharmacies in Canada will definitely help in curbing the import of drugs from unlicensed firms there. It will also discourage sales of spurious counterfeit drugs. It will also mean that licensed Canadian firms can concentrate on doing business with assured business margins, without worrying about competition from unlicensed pharmacies. These unlicensed vendors will then be forced to obtain license if they are to stay in business.Some US firms have now launched a service which allows customers to verify the credentials of Canadian pharmacies before purchasing drugs from them. These firms provide information about the legal status of a pharmacy online. Pharmacies interested in going through this verification process are to first approach these sites and fill in a form that certifies that they are operating within the framework of laws of applicable jurisdictional laws. These pharmacies should comply with laws in both the city from where they are operating and the area where they are selling their products. The verification agency will then independently investigate the pharmacy and find out if the details furnished in the form submitted are true or not. One being cleared, the pharmacy website will be allowed to display a seal which indicates certification by the verifying agency.Many licensed pharmacies in Canada believe this is another step in increasing the customer base in US. These pharmacies can look forward to a entering into a long partnership with many customers and enhancing the trust factor in their relationship. Once a customer is assured of the quality of the product he is ordering, he can go ahead in confidence by being assured about the business credentials of the company he is dealing with.The licensed Canadian firms now want to increase the volume of business and transactions carried across the border. At the same time they don’t want the reputation of licensed Canadian pharmacies being soiled by the unlicensed ones selling drugs of inferior quality. These initiatives may just be the medicine that the licensed pharmacies were waiting for.

Nutrition and the Guidelines You Should Follow

What makes a healthy diet? What are the building blocks of the best diet plan for you and your family? Can you really pick out any diet plan from the supermarket checkout lane magazines and lose weight but still stay healthy? Why are the foods that we love best often the worst for us? It is not an easy thing to talk about nutrition because there are so many myths and so much confusion surrounding it.And to add to all of this confusion, you may find yourself stuck trying to figure out who to believe or which of the “truths” are true for today. New studies may come along and show that something we have believed to be true or false all along is the opposite. Think of all the controversy that has surrounded fats for instance, or coffee, red wine, and other favorites. It may be next to impossible to keep up with every single fact about good nutrition mainly because there are so many of them and so many changes that come along it seems every day.Where Do You Get Your Nutrition Information?Where you get your information may be as valuable as what you find out. If you rely on getting all of the information that you need for your nutrition from the rag mags and other shaky sources, you are liable to be given information that is made up on the spot. If you are reading information about a fad diet for instance, you may find that you are not getting valuable or valid nutrition information but misinformation that has been skewed to prove their case and maybe to sell their products. Anyone can write a book, and they can make it look medical and factual, but if it is not backed up by legitimate studies, then you are simply reading the words that people want you to read- whether they are true or not.You should get your nutrition information from legitimate, up-to-the-minute sources such as your doctor, a dietitian, or a nutritionist. You may also read the news from legitimate and trusted sources – those magazines that are not just trying to push products but actually providing valid news and scientific facts.You can also get nutrition information online, however you should be careful about the sources that you are using. If you are simply pulling up information randomly, you may get confused. You may also stumble into sites that are only interested in selling products.What Makes Solid Nutrition?The first thing you should know is that there is no such thing as one size fits all when it comes to nutrition, although all humans need the same basic nutrients in their diet. They all need different amounts of these foods however. The number of calories that a person needs to take in each day determines how much protein, carbohydrates, and fats he or she needs to have. The number of calories varies by the height and weight of the person. The more you weigh, the more calories that you will need simply to maintain your current weight. If you are trying to lose weight, you need to reduce the number of calories that you take in, but not drastically. If you are not eating enough calories each day, you will shut down your metabolism and will not lose weight at all.In addition, if you are dramatically reducing your calories, it is a safe bet that your nutrition will suffer in the meantime. You have to make sure that you are getting the right vitamins and minerals as well as the right number of the macronutrients.Why is Nutrition so Important to the Body?The body uses food to heal itself, to protect against illness and injury, and to perform the everyday, normal activities. Every single action in the body, from the smallest to the most complicated, runs on the energy we derive from the foods that we eat. If we are only eating junk foods, then we will only have poor nutrition. If we are only eating bad foods, our body will become sluggish and we will gain weight, get sick, and be unable to move around like we should. The longer our diets continue to be made up of bad foods and the longer we continue to deprive ourselves of good nutrition, the more likely we are to become sick in addition to gaining weight.To keep the body strong and healthy, we need good nutrition. We need foods that keep up the energy level that we need to move around.Protein Supplements and other Ways to Get Proper NutritionIt may be difficult to get all of the protein or other nutrients that you need to meet your nutrition goals. You may be struggling to lose weight thinking that you can achieve this goal by eating way less than you really need. The problem, however, is that you are not only failing to meet your calorie goals for the day, you are probably killing your metabolism and failing your nutrition in the meantime. Having a protein supplement in place of a small meal or as a between meal snack can help you get the nutrition you need without having to add a huge number of calories to your diet.