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- Lighting Ideas Just For Your Bathroom [1 Update]
- Don't Grill In The Dark - Light Up Your Bbq! [1 Update]
- Artificial Holiday Christmas Trees [1 Update]
- Artificial Lighted Christmas Garlands [1 Update]
- Decorate Your Front Yard With This Great Artificial Lighted Palm Tree [1 Update]
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Article Title: Lighting Ideas Just For Your Bathroom
Author: Kimberly Quang
Word Count: 558
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Believe it or not, your bathroom lighting ideas can earn you a reputation for exquisite designing skills with your family and friends. Creating serenity, comfort, and aesthetics is easy once you learn the basic ideas of bathroom lighting and how to combine individual lighting pieces into impressive decorative schemes. By coordinating atmosphere, functionality, and highlighting, your bathroom lighting ideas will become the decorative talk of the town when your guests notice how much the one room that everyone visits stands out in your home.
Before making your next purchase, take time to consider the overall atmosphere you wish to create. Decide how your bathroom should feel; then visualize ideas for bathroom lighting that will create the desired tone. Do you want to emphasize coziness or spaciousness? Do you want to stress comfort, relaxation, or utility? Residential Landscape and Lighting has products for all sensibilities. For serenity, consider the ambience of a low voltage mini pendant lamp in the center of the ceiling. If you want to create a sense of greater space, try one of our newer models with multiple, cascading bulbs. Or, try one of the newest trends in bathroom lighting ideas by hanging a chandelier. We have a great variety of models and shade designs to create the perfect centerpiece.
Another key to developing superior ideas for bathroom lighting is functionality. A dark shower area or poorly lit vanity can bring a sense of heaviness or depression to the room. Change it to a feeling of joy by adding a vanity light above the mirror. Residential Landscape and Lighting has models to represent every bathroom lighting idea imaginable. Our selection ranges from our simple and efficient three light vanities to the classic European look of our Aracruz models. In addition to vanity lighting, there is an impressive array of recessed lights for illuminating all types of showers and bathtubs. These lights provide strong, clear illumination without the obtrusiveness of overhead fixtures. Lighting ideas for bathroom showers find excellent expression in this less-is-more approach.
Finally, top off your bright ideas for bathroom lighting with some original highlighting choices that are out of this world. There are two ways you can accomplish this. One approach is to install lights that feature such exquisite design work that they function as decorations in and of themselves. Another approach is to richly decorate your bathroom with prints, photography, or fine wallpaper and use art lighting to highlight your decorum. We can accommodate either one of these ideas for lighting the bathroom with a number of selections that will enhance your favorite print, bring out the colors of your wallpaper, or showcase a unique aesthetic piece as a stand-alone.
Of course, no design for bathroom lighting can neglect the shower. Both as a safety feature and an aesthetic key element to your bathroom lighting design, the shower light needs to clearly illuminate your bathtub and all bath accessories. Stay consistent with what you have already established in your bathroom lighting design by placing a low voltage recessed light or frosted glass domed light with reflector above the shower.
The good news is: coming up with new ideas for bathroom lighting design is not as hard as you think. Nor is it difficult to find the products once you have visualized the outcome.
About The Author: To learn more visit our http://www.residential-landscape-lighting-design.com/residential_lighting.htm bathroom lighting ideas section or read more about http://www.residential-landscape-lighting-design.com/bathroom-lighting-ideas.htm bathroom lighting ideas.
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Article Title: Don't Grill In The Dark - Light Up Your Bbq!
Author: Kimberly Quang
Word Count: 731
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Barbecue lights help make outdoor cooking safer and cleaner by enabling people to clearly see what they are grilling. To make barbecue work the way it was meant to work for man, it is necessary to always maintain the right temperature and to always observe the color of the food items being prepared. This cannot be done effectively in the dark, nor can it be done with any true effectiveness with porch or patio lighting. Barbecue lights offer a specialized light source designed just for outdoor cooks that clearly renders food color and texture so cooks can see exactly what stage the meat is at in the preparation process.
The robust selection of barbecue lighting offers a full gamut of both low and high voltage barbecue lights mounted on flex deck and telescopic deck mounts. They come in any number of sizes and fixture molds and are optimal for a wide range of cooking environments. We also carry essential barbecue light accessories and offer a growing selection of wall mounted barbecue lights that combine the elegant with the rudimentary.
Flex deck barbecue lights attach directly to a gas or charcoal grill and extend up and over the grill on a flexible mounting arm that the cook may turn vertically, horizontal, or diagonally twist to some degree in order to achieve exact positioning. These lights come equipped with universal mounting clamps designed to adapt and firmly grip any type of grill, picnic table, or work area. They remain firmly in place when the grill needs to be moved, or when someone bumps it accidentally. The high voltage barbecue grill lights consist of highly heat resistant materials designed to operate for extended hours of consistent use. An average lamp life of up to 2000 hours makes any number of models we carry an ideal, reliable source of all-night lighting for overnight cookouts hosted by major public events and festivals.
Low voltage barbecue lights offer the same benefits with power savings for the home cook foremost in mind, eliminating exorbitant energy consumption and producing less heat for the personal home chef whose guests may be sitting near the grill and feel uncomfortable by grill heat compounded by lamp heat. RLLD also provides 12-V transformers and accessories needed to power these lights for the one shop convenience of our clientele.
Telescopic mount barbecue lights allow for precise vertical adjustment to get the light just right over the top of the grill. Due to the design of the lamp fixtures, they put the grill and food in a distinct circle of light. Similar to their flex mount counterparts, these lights will securely attach to any type of grill and extend a lighting canopy over the surface of the grill that clearly illuminates all food and food preparation materials on the grill.
The telescopic design may be preferable to cooks using certain types of grills that are circular in shape, fixed in place, or lower to the ground. Such designs require more vertical movement than horizontal and/or diagonal movements like those of flex mount barbecue lights. These lights are very sturdy and built for the outdoors. BBQ Lights are made from heavy-duty cast brass and have 13 distinctive powder-coat finishes to meet your color preferences. Lamp life again is rated at approximately 2000 bulb hours.
As more people abandon public venues and nightlife and develop creative ideas for home-based entertainment, the need to create an aesthetically superior home environment increases. To attract guests to the home and motivate them to stay and return for subsequent events, it is necessary to out compete the decorum of public night spots and simultaneously remind people that home truly is where the heart is, and there is no place like barbecue at home with wall mounted barbecue lights. They attach to a wall or sturdy outdoor patio pillar and extend an elegant, tulip-shaped fixture over the surface of the grill and the food.
The simplicity of a single wall mount barbecue lighting fixture can transform rudimentary BBQ facilities into elegant and practical entertainment space.
This is often all it takes change the perception that certain guests may have of the host from that of "The guy whose steaks taste great" to that of "The man who's a man of the world, man of wealth and taste".
About The Author: To learn more visit our http://www.residential-landscape-lighting-design.com/landscape_lighting.htm BBQ lights section or read more about http://www.residential-landscape-lighting-design.com/barbeque_bbq_lights.htm Barbecue lighting fixtures.
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Article Title: Artificial Holiday Christmas Trees
Author: Kimberly Quang
Word Count: 602
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Artificial Christmas trees have become more popular over the years. Christmas is a special holiday, and on this day many family traditions are honored. One of these traditions focuses around the symbol of the Christmas tree and the special gifts of tidings and love it brings. Artificial trees are now replacing the traditional "real life" option, because they are safer and more convenient to set up. Constructed out of durable materials, artificial versions are less prone to fire and last much longer than the traditional style.
Homeowners always scratch their heads every year, when Christmas rolls around. Many scramble to buy last minute gifts and some don't even bother setting up a Christmas tree. This unfortunate holiday crunch creates enough chaos and stress to last until next Christmas. Artificial trees give homeowners a time saving option by allowing them to set it up in just a matter of minutes. Moreover, artificial trees require no water to keep their bristles lush green and no heavy-duty clean up job, when Christmas is over.
There is a large selection of artificial trees for the upcoming holiday season. We have pre-lit products in a variety of styles that you will find appealing to the senses. Our inventory also includes pre-lit wreaths and garlands for your home décor theme. Many of our trees already have lights melded into the needles and branches. Users can still have the look and feel of real pine without all the hassles associated with the natures variety.
There are numerous unique styles in the artificial Christmas tree department. The Black Forest style will give every homeowner a beautiful artificial evergreen example and save his or her allergies for another day! The Uinta Fir series comes with a plethora of mini holiday lights attached to each branch. This category is typically slim in appearance and is seven and a half feet tall with a four-foot diameter. We also have larger styles in this category with some options towering over nine feet tall!
Everyone would love to have a Noble Fir in his or her home this holiday season. Unless you live in a region of the country where these trees grow and are willing to hop in your car to go cut one down, you will probably have to do without one of these beautiful figures. Times have now changed. The artificial Noble Firs will bring the beauty of nature directly into your living room! These pre-lit decorations are stunning and almost undetectable from the real thing!
If you have a large home or commercial site, then you are probably looking at purchasing a bigger Christmas tree to encompass the space. The gigantic Everest styles are enormous artificial versions start out at 14 feet and can be purchased all the way up to a whopping 35 feet! The angled branches and dazzling lights will bring a rush of joy into your heart this year. Homeowners can also bring a little winter magic from the mountains of Colorado into their abode this Christmas. The artificial Aspen varieties that come in 3, 4, and 5 feet for a perfect snug fit into your room.
Christmas is a special time of year, and homeowners should deck the halls in splendid fashion to celebrate this holiday. There is a large selection of pre-lit artificial trees that will bring the beauty of nature into your home. Customers can select among the many different styles and heights we offer and feel content with the choice they have made. So dress up your living headquarters this Christmas with some magical products.
About The Author: To learn more visit our http://www.residential-landscape-lighting-design.com/christmas_decorations.htm artificial Holiday Christmas trees section or read more about http://www.residential-landscape-lighting-design.com/artificial-holiday-tree.htm artificial Holiday Christmas trees.
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- "Kimberly Quang" <submissions@isnare.net> Apr 29 11:40AM +0800
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Article Title: Artificial Lighted Christmas Garlands
Author: Kimberly Quang
Word Count: 612
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Artificial Christmas Garlands unite tradition and elegance like few Christmas decorations do. Because they look organic and have tips that resemble those of Christmas trees, they function as a mainstay to almost every holiday household. Highly flexible, and designed to last for years, they compliment any standing furniture piece, tree, outdoor structure, and even certain indoor architectural keynotes. Artificial lighted Christmas garlands can wrap around trees, intertwine through the support railings of gently sloping staircases, and add a sense of light and nature to bookshelves, display cases, and the often-empty spot on top of the mantle. Pre-lit garlands offer tremendous decorative benefit with return on investment, adding illuminated accent to room and holiday lighting motifs that will return undiminished, on time, for many seasons to come.
Pre-lit Christmas garlands offer some of the best compliments to the top of any fireplace mantle. Lush, full, and durable, they look truly organic in the shadowy space above the fire. The Black Forest Christmas garland package includes four 9' artificial Christmas garlands that can wind unobtrusively around the base of religious candles and icons, compliment family photographs, and drape gently over the sides of the fireplace. Each garland features 14" tips and comes pre-lit with 100 Christmas lights concealed at the base of the tips that radiate an aura of light from within the foliage's interior. Black Forest Pre-lit garlands are just wide enough in diameter to wrap around a seven-day candle on top of the mantle, extending the candlelight outward with 100 shining lamps that flow over the edge and drape over the sides in balance and in light.
Most people who decorate with Garlands almost invariably add at least one natural or artificial garland to the Christmas tree. This tradition has been with us for centuries and will doubtless continue for many more. The problem people encounter, however, is that generic garlands blend into the tree too well—making it difficult to see the garland for the tree. There is a simple solution that maintains tradition and offers differentiation in keeping with the true spirit of the season. The 9'X12" Colorado Frost pre-lit Christmas Garland comes with 200 frosted tips that makes any tree they decorate look like it has been touched by freshly fallen snow. Its white lights make an excellent compliment to any number of multi-colored LED or Christmas string lights that we affordably provide. Decorators who prefer to use pre-lit garlands as their main source of Christmas tree lighting can add a multi-color Sierra that measures 9' in length and a full 14" in diameter. Use one or two of these together to layer the tree in a total of 200 lights that follow winding spiral paths from treetop to base, weaving in and out of the branches like living ornaments of greenery and light.
Pre-lit Artificial Christmas garlands offer even greater creative and expressive options for decorating beyond the boundaries of the room, the furnishings, and the Christmas tree. Our pre-lit, two-color light garland alone can add holiday brightness to both indoor fixtures and outdoor settings alike. Featuring 300 lamps and a 30-inch lead cord, it can wind around porch pillars, gazebo railings, and trees in both front and back yards. Inside, it adds color and a subtle touch of light to the foot of the stairs, creating steady ambience that compliments the flash of Christmas tree lights across the room. To make the staircase come to life, add a Kennedy pre-lit Christmas garland that measures 108" in height and 14" in diameters. Let it wind between the railings just under the handrail, meandering along side human steps with 100 clear lamps that lead to a multi-colored finale at the foot of the stairs.
About The Author: To learn more visit our http://www.residential-landscape-lighting-design.com/christmas_decorations.htm artificial lighted Christmas garlands section or read more about http://www.residential-landscape-lighting-design.com/artificial-lighted-christmas-garland.htm artificial lighted Christmas garlands.
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Article Title: Decorate Your Front Yard With This Great Artificial Lighted Palm Tree
Author: Kimberly Quang
Word Count: 522
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Porch & Patio Lighting Fixtures are popular items in home decoration and yard landscaping today. If you're redesigning your backyard or looking to add a festive atmosphere to your pool area, outdoor artificial palm trees are the perfect additions. Artificial palm trees can also be placed indoors to allow that tropical ambience flow throughout the house. Even in the front yard, artificial lighted palm trees can be placed along the walkway and porch, creating the Aloha essence before reaching the front door.
One of the most popular home decorating motifs today is known as "tropical chic." This theme lends itself to comfort and warmth with a touch of the exotic. Artificial lighted palm trees are fashionable accents to this theme. Along with bamboo, wicker, rattan, animal prints, grass cloth, and leather, artificial palm trees will be welcomed accessories to any tropical conception. Lighting is also a large part of this motif. The artificial lighted cactus plants are only some of the lighting products which are offered that will compliment your "tropical chic" lighting concepts. From mood lights, floor lamps, to a wide variety of ceiling lights, there is a vast array of indoor & home lighting products that will give you plenty of ideas and options to explore for the interior of your home. But who says this tropical theme has to be restricted to the indoors? No one. In fact, carrying this design concept to the back yard is just as popular, if not more so, than it is indoors. With the myriad of landscape & outdoor lighting products in our inventory, the only limit to your design concept is your imagination. All the landscape outdoor lighting fixtures from accent lights, path lights, to area lights, a huge catalogue of lighting options that will allow you to unleash your creativity. The artificial lighted palm trees that are supplied will be welcomed additions to your back yard and are destined to be crowd pleasers.
What if you're not ready to tackle a complete remodeling of the interior or exterior of your home? What if you're planning an island themed party or a luau? The lighting and design products for parties are another lighting products that are also available. But certainly you will need some outdoor artificial palm trees to accentuate such a party. No tropical themed party would be complete without them. They look spectacular at night, will set the mood for the evening, and give the night a festive glow. Place some next to the tiki bar, next to the tables, and they are sure to impress you family and friends. They'll also become centerpieces for conversation, the veritable ice-breakers for people who will be meeting for the first time.
For artificial palm trees and other "tropical chic" patio lighting products, please take a moment to evaluate your front yard, and choose from different lighting products to fill up your yard decorations. The residential landscape lighting equipment specialists are the ones who will be able to provide you with guidance and options that are available to make your porch and patio a spectacular environment.
About The Author: To learn more visit our http://www.residential-landscape-lighting-design.com/landscape_lighting.htm artificial lighted Palm trees section or read more about http://www.residential-landscape-lighting-design.com/artificial-palm-trees.htm artificial lighted Palm trees.
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Article Title: Light Up Your Stadium!
Author: Kimberly Quang
Word Count: 636
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Every sport played at night requires lighting. That is without exception! People need to see the games, as they always have since Roman times, and quality sport lights provide them with optimal visibility regardless of their positions in the stands. Sport lighting also meets the very real need for player safety. Since Roman times, the losing team no longer dies, so avoiding injury is paramount to every sporting event, and sport lighting fixtures and bulbs provide the safest and most visible playing field for athletes throughout the world. We carry sport lights for every major form of game in our ever growing online inventory...
Baseball Field Lighting: baseball field sport lighters ranging in power from 400-1500W. Housed in a powder coated die cast housing with a formed aluminum lid, they feature a tempered flat glass lens and gasket with aluminum clamp band. We also provide sport lighter mounting arms, sold separately here. Place these all around a little league, minor league, or even major league ballpark and watch the game and not the fixture!
Basketball Court Lighting :While professional basketball is an indoor game, virtually every public park in America has an outdoor court for young and old alike. These courts range from half court to full court dimensions and require powerful lighting to compensate for the dissipation that is inevitable for any outdoor lighting fixture. There is the perfect source of lighting for half-sized courts. Techlight lighting fixture package includes one light pole, one bracket, one sport light fixture, mounting hardware, and lamp. It is a tough pole to say the least, made from galvanized metal that will not rust. It is easy to install and comes with a base cover included. For full-sized outdoor basketball court, we have full outdoor sport light packages that include six "thick poles that measure 25 feet in height and shine an even field of illumination on the game with 1000 metal halide lamps.
Equestrian Center & Horse Track / Arena Lighting: Horse racing continues to rise in popularity, and equestrian centers and horse tracks need lights that allow for both equine and human visibility. RLLD has over 30 specialized sport lights for equestrian and horse tracks. There are both wooden pole mounted Techlight and steel pole mounted Techlight packages. Designed by certified lighting designers, these lights offer some of the very best visibility for man and horse alike.
Football Field Lighting: Football makes America great, and sports lighting makes it easier for armchair quarterbacks and retired superstars alike see the game better. We have some of the best iron cross arms for wooden poles available on the market, anywhere. Each one features a 4 light adapter for 400W, 1000W, and 1500W sport lighting fixtures. For fields with steel poles, we have 2 light adapters with the same wattage capacity that can be installed on any steel pole in key locations near the 50 yard line, the end zone, and on either side of the field goals so you can clearly see if the kicker makes it or not.
Tennis Court Lighting: one of the very best selections of tennis court lighting available anywhere online. With multiple tennis court poles and fixtures by Techlight, everything high-end lighting clients need to put just tournaments in just the right light. Country clubs, resorts, five star hotels, and municipal parks can select from over 40 sports lights specifically designed for tennis court illumination.
Soccer and Volleyball Lighting: One of the many key benefits that the products offer is versatility and adaptability. Many of our sports lighting fixtures and mounting brackets work equally as well for soccer fields and volleyball court lighting applications. Click here to see which lighting fixtures and lamps can be purchased in bulk to light volleyball courts and soccer fields for kids and pros alike.
About The Author: To learn more visit our http://www.residential-landscape-lighting-design.com/athletic-tennis-court-stadium-lighting.htm Athletic, Tennis Court & Stadium Lighting section
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Article Title: Investing Money In Your Home Business The Careful Way
Author: John Fortner
Word Count: 931
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The internet has exploded with opportunities for making money online. Every day we are exposed to the possibilities of creating a home business and making a fortune through our work at home venture. We are enticed by internet websites that will reveal fundamental secrets and easy methods for finding success online. We are told that making money on the internet can happen with a small investment of money and a few hours of time. Unfortunately, we can become a victim of individuals who are trying to take advantage of our enthusiasm for creating a home business.
How do we know if an internet home business opportunity is legitimate? How do we avoid the pitfalls of investing in the wrong program? How do we determine that we are buying good information? There are some guidelines that can prevent us from making poor choices while looking for the best opportunities for developing an internet enterprise. The possibilities for making money online increase when we have good information and good tools for creating an internet home business. The key is being careful and cautious.
Free And Useful Information
Before investing in a potential product, look for free information that the website might be offering. In most cases, we can download their free data by simply giving them our E-mail address. After receiving their free information, analyze it. Does it pertain to the product they are selling? Is it information that can be used for developing our internet home business? If the free data is useless, chances are the paid information will not be helpful.
Does It Sound Too Good To Be True?
Testimonials can bring validity to products that we want to buy. Internet websites that sell the secrets and methods they used for finding online success are filled with testimonials. This is a good thing to a point. The experiences of ordinary people like us relating the successes they have enjoyed by using the product on the website motivate us to make an investment. We become captivated by the large amount of money they make and the small amount of time they invest. When our enthusiasm begins to climb, be cautious.
The goal of this sales promotion is to convince us that making money online is not as difficult as it might seem. After reading a few of the testimonials, we need to ask ourselves if this idea seems too good to be true. The only way to develop a successful work at home venture is through a good product, hard work and a consistent effort. These testimonials do not reveal the entire story. Before we give this website our credit card number, remember that our internet home business success will take time and labor. There is no easy road.
Sense Of Urgency
While reading the sales promotion on a website, is there a sense of urgency beginning to develop? If the information emphasizes that the sale of their product ends soon, be cautious. Persuading us to act now before the product is gone or the price goes up creates a sense of urgency. If we are feeling an overwhelming desire to buy, we are not making an intelligent choice. We are making an emotional decision. Many times, if you visit the same site in a few days, the same offer with the same sense of urgency is still there. The success of our home business is dependent on the ability to filter through the hype, to stay focused and to find essential resources.
Do We Know What We Are Buying?
Take the time to read the entire ad and then read it again. We need to know what the product is and how it is going to help our home business venture. If these questions are not answered after reading the sales page, do not purchase the product. If we are not perfectly clear on what the investment is going to return, chances are good that the delivered product will not help create our internet home business success.
Is There Contact Information?
Look for contact information on the web pages. A phone number is best but an E-mail address is a start. If there are any concerns about the product that we want to buy, they need to be addressed. It is not unreasonable to ask questions BEFORE spending our money. A brick and mortar store provides sales assistance for their potential customers. An internet business must provide the same help. If we do not receive responses to concerns before investing money, we will not obtain support after we acquire the product.
It is important to understand that developing an internet home business requires a variety of investments. Spending money on vital information and programs is one avenue that will bring success to our online venture. Asking these questions before making an investment can produce a better return:
1) Do they offer free, useful information?
2) Does it sound too good to be true?
3) Are we feeling a sense of urgency?
4) Do we know what we are buying?
5) Is there contact information?
There are hundreds of websites that offer products and information that can propel us to making money on the internet. The opportunity for home business success will develop if we are cautious and careful before investing our money.
"Flaming enthusiasm, backed up by horse sense and persistence, is the quality that most frequently makes for success."
About The Author: John Fortner lives in Oregon and works from his home through his online pursuits. He is the owner of Best-Income Opportunities which offers free information and proven opportunities for creating work at home businesses. To learn more about this topic please visit his website at: http://www.best-incomeopportunities.com/ To receive free information for starting a home business please go to: http://www.Best-IncomeOpportunities.com/optin.html
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- "John Fortner" <submissions@isnare.net> Apr 29 10:30AM +0800
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Article Title: Good Communication Is Essential For Your Home Business
Author: John Fortner
Word Count: 800
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1) The most important factor in a successful home business is:
a) Marketing Plan
b) Sales Copy
c) Web Site Layout
d) Customers
2) My communication skills are:
a) Poor
b) Average
c) Good
d) Excellent
Every aspect of your work at home business relies on your communication. Your business plan; your sales copy; your e-mails; your web site; your phone calls; your marketing plan; AND your customers. How important are your patrons in your plan for work from home success? How eager are you to meet and exceed the needs of your clients in your online business or home business? How willing are you to improve your communication skills?
Your client's requirements are the same whether you have a work from home business, a brick and mortar store or an internet venture. They need to trust you and good communication can develop that credibility. Your number one goal is to create a long term association with your customers. And the way to accomplish that purpose is to convey through your messages that your clients are your most important asset.
Communication is exchanging information between people. The key ingredient to good interaction is that the receiver must understand the intent of the speaker. To increase your opportunity for success, you will need good communication skills.
An online internet store or a home business provides an opportunity for unlimited amounts of interaction with your customers. They will call you with questions about your products, your shipping costs, your delivery times. They will call you with a complaint, a concern, or a cancellation. You must always be ready to use your communication skills to enhance your relationship with your clients.
Here are four ideas for improving your communication skills. These concepts can be applied to the written word or to the spoken word. They can be applied to your internet store, your home business or your personal life. The key ingredient is to put yourself in the place of the recipient. How would you respond to the meaning of your words?
1) Be Reassuring
The intent of your words is to give confidence to the individual that you are communicating with. You can open wide the road of trust if you articulate that everything will be okay. Think about situations where you were involved and you were unsure about the outcome. How did you feel when you received reassurance? When it was missing, how did you respond? Give your customers the reassurance that they need and they will trust you.
2) Be Encouraging
The purpose of your communication is to make the listener feel better while you are interacting with them. Give your clients optimism with your written or spoken words. Have you ever dealt with frustration? Did you receive encouragement at that moment? What happened when it was missing? Put yourself in the position of your listener. Use words that encourage and they will rely upon you.
3) Be Respectful
The goal of your message is to convey to your audience that they are an important asset. Scenario #1:You are on the phone talking with a representative of a company that you are considering doing business with. The individual makes you feel that you are important to the success of their company. Will you to do business with them?
Scenario #2: You are on the phone with another representative and the tone of the person's voice conveys annoyance. Will you give them your hard earned money? Communicate high regard to the person that you are speaking with or that you are writing to. Treat your listener as if the success of your home business is dependent upon them. They will become a life long customer.
4) Be Helpful
The aim of your information is to articulate an attitude of eagerness to satisfy your customers. Communicate this willingness to go the extra mile with your spoken and written words. How do you feel when a sales person does everything they can do to make you a satisfied customer? How do you react when the sales person rushes through the transaction? Where will you take your business? Go above and beyond the call of duty and they will tell their friends about you.
Your communication skills contribute to the success of your online business or your home business. Every positive aspect that you bring to your venture will pave the road to your prosperity for making money online or at home. What will YOU do to make your work at home business successful?
"Your own resolution to success is more important than any one thing."
About The Author: John Fortner is the owner of G Children Adventures. His web sites focus on helping you start a home business, children's computer accessories and children's room decor. To learn more about this topic please visit: http://www.best-incomeopportunities.com/ To visit his stores please go to: http://www.toddler-computergames.com/ http://childrensdecorativegrowthcharts.com/
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- "John Fortner" <submissions@isnare.net> Apr 29 10:20AM +0800
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Article Title: Choosing What Products To Sell In Your Home Business
Author: John Fortner
Word Count: 743
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You are thinking about starting an online business. The idea of working from home is very appealing to you. You want to do it but you don't know what products to sell. Everyone who sells on the internet has approached this dilemma. So, how do you decide?
1) Brainstorm
The first step to choosing the right product is to sit down with pen and paper. Make sure that there are no distractions so that you can concentrate. Make two columns on your paper with these headings:
a) Enjoy
b) Passionate About
Put pen to paper and let your ideas flow. Try to list at least ten possibilities under each heading.
When your are done, look at your choices. Narrow your list down to three in each column. Now you are ready to see if these ideas might sell on the internet.
2) Niche Market
What is a "niche" in internet jargon? A "niche" is an item INSIDE a larger product arena. This is where many successful internet entrepreneurs have found their fortune.
Let's consider PDAs. There are thousands of websites selling PDAs. A good "niche" product inside the PDA market could be the jackets that protect a PDA. How about computer headphones? Again, thousands of websites are selling this item. Why not focus on the audio splitter. This is the device that connects to the back of a computer for using two headphones at one time.
Take a look at your list. Can you see any "niches"? If you can, you have found the product that you can sell inside your internet home business. The idea behind this concept is to have a laser focal point on a target audience.
The arrival of the internet has produced a world wide market for an assortment of products. Niche marketing can be very successful if you put in the time and effort to market your items correctly. There is a learning curve that you will have to conquer but if you are committed to success you can do it. Who knows? Your "niche" might be the next internet fad.
3) Selling What You Like Or What You Are Passionate About
Having a difficult time finding a niche inside your list? Sell a product that you like or that you are passionate about.
Re-vist your list. Take a look at your choices under "enjoy" and "passionate about". Pick one that you think will sell on the internet. Do you BELIEVE that you can make money from this item (or service) in your home business? Do you think people will BENEFIT from this product (or service)?
Answer these questions: How well do you know the product (or service)? Can this product (or service) improve people's lives?
Your knowledge and your passion could bring you the prosperity that you are looking for. When you are ready to develop your marketing campaign, the main focus of your strategy should be to communicate your expertise and your fervor to your customers. If you can show your clients that your product (or service) can improve their lives, they will want to buy it.
4) Become An Expert
You have chosen your product, now what do you do? Become an authority! Make a commitment to be someone that your customers can trust. Make sure that you spend the time to know and understand every facet of what you are selling. The success of your work at home internet business depends upon it. More importantly, your clients depend upon you.
When you enter the marketing phase of your endeavor, purpose to give your customers reliable and accurate facts that they can trust.
As you refine your expertise, your understanding of your product is expanding as well. Communicate this to your customers. In time, you will know the information that your buyers want. As you satisfy this need, you are now building a relationship with your clients. If you are someone they can trust, you are someone that they will continue to do business with.
Brainstorm. Choose a product. Believe in your product. Communicate your conviction. Become an expert. Follow this formula and you will increase your chances for success in your work at home adventure.
"Before everything else, getting ready is the secret to success."
About The Author: John Fortner is the owner of G Children Adventures. His web sites focus on helping you start a home business, children's computer accessories and children's room decor. To learn more about this topic please visit: http://www.best-incomeopportunities.com/ To visit his stores please go to: http://www.toddler-computergames.com/ http://childrensdecorativegrowthcharts.com/
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- "John Fortner" <submissions@isnare.net> Apr 29 10:10AM +0800
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Article Title: Beware Of Online Burnout! It Can Happen!
Author: John Fortner
Word Count: 651
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We have all been there. Probably more than once. We are doing something that we really love and we are improving other people's lives. We are enjoying what we are doing and we are making people happy. Does it get any better than that?
Suddenly, without warning, we lose our enthusiasm. Our motivation is gone. Gratification has left the building. Disillusionment is sitting next to us.
What happened? What went wrong? Ladies and gentlemen we have just met "BURNOUT" up close and personal!
What is burnout? Mr Webster says that it is "fatigue, frustration or apathy resulting from prolonged stress, overwork or intense activity". My definition: burnout is losing contact with your "center of balance". Our intentions were good. Our efforts were excellent. Our results were exceptional. Our self-esteem was soaring. All of the ingredients were correct but our desire has disappeared. Why?
We would like to succeed at everything that we attempt. We know that our success is dependent upon are willingness to learn, to try and to adjust. We attempt to apply these principles to all facets of our lives. Then one day, we hear about the internet and the opportunity for success that it can bring. We decide to take the plunge into an online business to find our fortune using our formula for success.
We begin our research for starting an online business. We are introduced to a variety of internet concepts. We begin to apply some of these ideas to our online adventure. We discover that some of these principles work and some of them don't. We start the cycle of trying, adjusting and applying these concepts to make our business successful.
We deliver our effort and wait. Eventually, the profits begin to materialize and success is a word that we are starting to use. We are happy. Our customers are happy. Our family is happy. We know that we can make our business more successful with our continued dedication. We will see more profits, more happy customers and more advantages for our family. The idea of growth begins to dance in our heads.
We know that it can happen. All we need is to spend one more hour on this marketing technique. We can use this weekend to get caught up on our paperwork. After all, our motivation is a happy customer and a happy family, right?.
Does any of this sound familiar? It is very easy for "burnout" to become a daily companion. Our priorities get a little confused but we find a way to justify our decisions. As was mentioned earlier, we have fallen off our "center of balance". Under the guise of success, we have allowed our business to become our primary focus. We seem to have lost connection with our source of balance. After all, aren't we suppose to be enjoying ourselves and the people who surround us?
What can we do to regain our balance? Take a day off! Take a weekend off! Take a week off! We must have time for ourself. We need to leave our working environment, go somewhere to clear our mind and then enjoy ourself. It is essential that you have time for YOU!
This is not a selfish concept. It is an opportunity to remove yourself from the duties, responsibilities and stresses in your life and relocate your "center of balance". It never leaves you. It needs to be re-discovered sometimes.
If you set aside one day a week, one afternoon a week or what ever time you can squeeze into your schedule, you can reclaim your "center of balance". Take this time for you. It will bring MORE success to yourself, your family and your business.
"The mind is never right but when it is at peace within itself"
About The Author: John Fortner is the owner of G Children Adventures with online stores that focus on your financial independence, children's computer accessories and room decor. To learn more about this topic please visit: http://www.best-incomeopportunities.com/ To visit his stores please go to: http://www.toddler-computergames.com/ http://childrensdecorativegrowthcharts.com/
Please use the HTML version of this article at:
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Article Title: Starting An Online Business Is Not As Hard As You Think
Author: John Fortner
Word Count: 499
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Why do you want to start an online business?
Many people get involved with the internet because they want to improve their long term financial goals. Chances are this idea has been bouncing around in your head as well. The main question that you need to ask yourself before making the jump into Internet entrepreneurship is:
"Why Do I Want To Do It?"
There are many answers that you could give to this question:
1) You want to enjoy the rewards of success.
2) You want to earn a full time income.
3) You want to have an additional income source.
4) You want to be your own boss.
5) You want more control over your time, energy and resources.
4) You want to give more to your family.
5) YOU want to start an online business because _______________________________________
Go ahead and fill in the blank. Why do you want to succeed online?
Whatever your motivation might be, DO NOt be intimidated by the possibility of learning, trying and doing something different. It can happen and it is not as hard as you think. You must be willing to learn, try, adjust, proceed, THEN learn, try, adjust, proceed THEN learn, try, adjust, proceed THEN ... .
After you have determined what inflames the fire inside of you, you need to ask yourself:
"How committed Am I To Succeed?"
The effort that you put into learning, trying, adjusting and proceeding will make your business successful or unsuccessful. Your effort is the key ingredient to your prosperity. Whenever the effort is waning, step back, take a break and re-visit your motivational incentive.
Everyone gets frustrated and discouraged. The ones who seem to rise and face their challenges are those who "keep on keeping on". Take what you have learned from the experiences of your life and apply them to your new venture. Everyone accumulates wisdom. Use your wisdom to develop your own online business.
Here are some ideas that you might want to consider before you begin your internet adventure:
1) What do you want to sell? Your product or someone else's?
2) Where are you going to sell? E-Bay; Yahoo; Your own website?
3) How do you plan to sell? How are you going to market (advertise) your product?
Research (learning) is the foundation that you want to lay for your business. And the internet is the place to start. These three questions will point you in the right direction.
But remember the questions that you need to answer before you begin your journey:
1) "Why Do I Want To Do It?"
2) "How committed Am I To Succeed?"
When you have answered THESE questions, you are ready to:
Learn - Try - Adjust - Proceed
"Be not afraid of growing slowly, be afraid only of standing still."
About The Author: John Fortner is the owner of G Children Adventures with online stores that focus on children's computer accessories and room decor. To learn more about this topic please visit: http://www.best-incomeopportunities.com/ To visit his stores please go to: http://www.toddler-computergames.com/ http://childrensdecorativegrowthcharts.com/
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Article Title: You Can Find Freedom If You Are Willing To Work For It
Author: John Fortner
Word Count: 551
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How much of your life have you given to your employer?
I was 55 years old and I was beginning to think about retirement but I was not happy. I was working for an employer that provided a good income and good benefits but I was not happy. I had a beautiful wife, three children, eight grandchildren but I felt like a prisoner every Monday thru Friday from 8:00 AM until 5:00 PM With another 10 years before retirement, I saw "Dead End" signs everytime I went to work. I was not happy.
What is the one thing that we search for in our lives? Most people would answer that it is happiness. Does happiness come through fame, wealth, success? Some people might mention one of these three or suggest something else. For me, my happiness comes through contentment and my contentment comes through my freedom.
Everyday, every week, every month that I trudged to work, I kept asking myself if I wanted to spend the next 10 years of my working for someone else. I felt trapped and unhappy. I asked myself who was in control of my life. I wanted to take back my freedom and search for a better way.
If you are happy with your employer, I am glad for you. I was not and I needed to find a pathway to my freedom. I decided to work from home and become MY OWN BOSS. I took my financial future out of the hands of those who were signing my checks and put the opportunity for financial freedom in MY hands. I decide how hard I want to work. I decide when I want to quit for the day. Most importantly, I decide when I want to spend time with my family. I now enjoy the freedom of being in control of my life, my future and the well being of my family.
I consider my family to be my most important possession. When I was working for someone else, I had to search for the time that I wanted to spend with my family. The lawn needed mowing, the car needed washing, the plumbing needed fixing. It is very difficult to complete all of the tasks that surround us each weekend AND find the time that we need to spend with our loved ones. My home business has given me the freedom to have ALL the family time that I want. In fact, today is Wednesday afternoon and I will be taking two of my grandsons to the movies. It does not get any better than that.
Do not mis-understand what I am trying to say. I have had my home business for three years and I have worked very hard to make it successful. And I will continue to work as hard as I need to make them profitable. But I have taken back the freedom in my life that I felt I was losing. Do you feel you have lost your freedom? Do you want to find it?
Please consider the possibility of starting your own home business. There is work but the rewards could bring you the freedom that you desire. I found mine.
"In all toil there is profit."
About The Author: John Fortner is the owner of G Children Adventures with online stores that focus on children's computer accessories and room decor. To learn more about this topic please visit: http://www.best-incomeopportunities.com/ To visit his stores please go to: http://www.toddler-computergames.com/ http://childrensdecorativegrowthcharts.com/
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Article Title: The Ways Of Wholesaling
Author: Joe Mack
Word Count: 661
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Today many people want to get into the real estate investing market. Where to begin? If you have a limited budget like most beginners wholesale buying is the right strategy for you. Wholesale buying is not much more than passing the paper to another investor. The main idea around wholesale buying is to generate cash into your pockets for future larger profit making investments. If you already have the capital to begin your real estate investing business this is also a great tool for you. It will allow you to make a profit off those deals that are too large to handle or you are just overwhelmed with deals. The typical amount you would receive from another investor in a wholesaling deal is usually is around five to fifteen thousand dollars. That amount varies within the market in which the property is located and how good the actual deal is. Your biggest thought is, "How do I find deals to wholesale?" To be honest with you it all depends on your market. Some locations will be easier than others to find deals, but they are everywhere. It all depends on how hard you want look and how much effort you are going to put forth. Everybody thinks you will become rich overnight investing in real estate. That's not true in most ways. If you plan on investing for years and live a conservative life I can all most guarantee you will be successful! It is possible to make a lot of money very fast, but that's not investing that is gambling and knowing when to quit.
To begin your wholesaling real estate business you have to come up with a few strategies to find the deals. There are many ways to find deals out there, but I will give you the most common and overused ways out there. Have you ever seen those, "I Buy Houses", signs out there? Well those are real estate investors or wholesale buyers looking for deals. I don't know about you but I would not call those signs unless I was desperate. Desperate people are exactly what you're looking for. Every person has a different situation that you will have to overcome to make that deal. Be careful, not every phone call you receive is a potential deal. Most of the calls will have no potential at all. You will have to learn on your own how this works. A big clue is to remember, "Do the numbers work for you?" Almost all of the strategies to drive people your way always come back to the telephone. The other big way is to advertise from the newspaper to having decals on your personal vehicle. Go out there and be creative do something that will put you in front of the pack.
Once you have found that great deal for wholesaling you have to make it legal. You are going to have to get that property under contract. The contracts and laws vary so much state to state you have to be careful. Make sure you consult legal advice when using contracts you find. You also could use your local real estate agent's purchase agreement. That contract will be legal in your state and is okay for you to use. You should also be careful when dealing with pre-foreclosure properties. There are special rules and regulations laws in some states. So spend some time and make sure there are no surprises later. Once that property is under contract all you have to do is find an investor to purchase it from you. It is almost as easy as it sounds if you know where to look. The best place to start is your local real estate investing club. If your deal is good, do not worry you will have an investor at your door. At last you will receive a check and the journey starts all over again.
About The Author: http://www.CraneInvestmentsOnline.com/
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Article Title: The Pre-Foreclosure Problem Solver
Author: Joe Mack
Word Count: 537
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In today's market the numbers of foreclosures popping up in our neighborhoods are becoming outrageous. We always have had a few foreclosures popping up liking that one hair on the top of your head. You know it is there and it annoys you but eventually you don't realize it is still there anymore. Where I live there is about four foreclosures on my block not including several for sale trying to escape their sub-prime loans that are now adjusting. In this time of our housing crisis don't be sad make the best out of the worst. We all need to become problem solvers to fix our communities. At the same time we can help individuals and families and even benefit ourselves. Don't you want to look like the hero while still making a profit?
To begin investing in the foreclosure market you will have to start by locating your future investment. One of the best places to look is in your local newspaper's legal notices. It will show you everyone going into foreclosure in your area. A title company is a great resource of information about liens, back taxes, labels, and other information needed for any investor new or old. Take a walk into your office and sit down at your computer. There you can search for foreclosures all day long all around the United States to your heart's content. If you feel up for a little leg work take a drive to your local county recorder's office and you can look up information pertaining to foreclosures.
Every potential property you see will take you into different challenges people encounter in their lives from death to divorce. Every situation will have different courses of action that need to be taken. Your main goal is to help them keep their home or work a deal for you to purchase it from them. Whatever deal you strike it should be beneficial to both parties. Hopefully you will be able to make a deal. The worst thing that can happen is you tried to help someone and failed. Most people out there don't even try to help. Don't feel bad if you're unable to help someone. At lease you have tried your best.
When dealing with foreclosures personally with no realtor you will have to negotiate with the bank on the owners behalf. You will need to get proper documentation from the home owner for the lender to even speak with you. Typically you can negotiate with the lender to defer the payments for significant period to hopefully get the home owner back on his feet, but in most cases even with time that wouldn't help. The bank will typically move about ten to twenty percent on the price. The biggest thing to the bank is that the home owner doesn't receive any money compensation from you in the deal. The negotiations can take a few weeks in time. If the bank takes your offer you just earned yourself an investment property under market value and helped someone avoid pre-foreclosure. I hope you enjoyed my general over view on buying pre-foreclosure properties.
About The Author: http://www.CraneInvestmentsOnline.com/
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- "Joe Mack" <submissions@isnare.net> Apr 29 09:20AM +0800
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Article Title: "Are Reo's The Way To Go In Northern California!!?"
Author: Joe Mack
Word Count: 512
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Today in this crazy depreciating market is it a good time to invest in real estate? In Northern California I just keep watching by the day the number of bank owned properties increase exponentially. Every day I take a look at the MLS (Multiple Listing Service) and watch the properties pile up and the banks unwilling to budge. The problem is so many houses need major repairs not just carpet and paint. I have never seen so many houses with addition and poor construction of course they were unpermitted and must be removed. Once you step into one of these projects do you have the funds to stay afloat?
Don't worry there is hope out there for the investor in Northern California. In Sacramento County there are so many bank owned properties that the banks are starting to lower the price to move inventory. They have properties that have cash flowing potential. It will depend on the amount of work and funds needed to bring them to substantial living conditions. Of course the other primary factor is going to be financing.
The financing is going to be the biggest determining factor for any investor. You are able to get these bank owned properties about thirty- percent under market, but the prices are falling so fast. Do you think that you will be able to pull your money out in time? It is becoming so hard to get traditional financing and hard money lenders are too expensive most of the time unless the deal is amazing. Do you know that there is a seasoning period after you buy your investment property before you can refinance and pull your money back out. The typical shorter seasoning period is about six to twelve months depending on your loan. There are lending institutions that will allow you to refinance in as little as a day. The catch is that they will charge you a higher interest rate. Typically the interest rate will be approximately one and a half percents higher than your typical seasoned loan. You also have to take into account the time it takes to process your new loan. That is going to determine if you are able to pull your money out or not. If you get a great deal you might be able to pull you money in time before the value decreases or just be there when the prices bottom out.
Certain media groups are still predicting a ten-percent decrease in values still to come. If you are out there to make the quick buck I don't think it's the right time to buy, but if you're a true investor buy and hold is a great way to go. Take a drive to a Realtor that will let you make low ball offers and see where it takes you. If you're a flipper I wish you good luck, it's possible but not likely. Remember do your research and spend the time. Good luck in your future real estate investments!
About The Author: http://www.CraneInvestmentsOnline.com/
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- "Bill W. Johnson" <submissions@isnare.net> Apr 29 09:10AM +0800
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Article Title: PING Outerwear: A Golfer's Dream
Author: Bill W. Johnson
Word Count: 556
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There are few names as synonymous to golf as the brand PING. Whether you are purchasing shirts, pants, t-shirts, golf clubs, golf bags, or outerwear, you can rest assured of excellence, durability, and fashion when you trust the name PING. Of course, PING outerwear is perfect for the golfer, but that does not mean these fashionable and functional pieces of apparel cannot be worn anywhere for any occasion – they are that fashionable. Who ever said playing golf meant looking unfashionable?
There are multiple types of PING outerwear to keep you going in the wind, in the rain, and in the snow. True golfers do not let a little adverse weather affect their game. In fact, golfing can be a great way to relax, spend time with family, and even earn money. That means you need the superior quality you will find when you trust PING outerwear for your golfing day or evening.
When you purchase PING outerwear, you are going to get more of what you need and want simply because this is the premier designer of high quality and classy golfing apparel. Do you need the best golfing apparel in the industry? Are you looking for high quality PING golfing apparel? You have definitely chosen a good manufacturer for your needs.
PING Collection Club Jacket
When you need something that is going to offer a high degree of water and wind resistance, you will definitely appreciate this club jacket. This is a superb piece of outerwear engineered with piping along the raglan shoulders which translates to the best visual appeal as well as the superior movement you need in your outerwear. This has a 100% poly/taffeta lining for added warmth and protection.
You will definitely appreciate the easy to use, logo zipper and the embroidery along the right sleeve. Let others know you understand what class and style is on the course!
PING Collection Colorblock Parka
This is a parka that is designed by the gold equipment champions. You will appreciate the fit, the feel, and the movement you receive when you trust this parka for your golfing apparel needs. There are colorblock panels with a light dobby-type texture designed to insure you the look needed for maximum performance. Even the seams are lithe and malleable yet sealed against water.
These parkas are available in sizes all the way up to 4XL, and the adjustable sleeves are going to make this a favorite in any wardrobe. This is definitely a golfers dream.
PING Collection Microfleece Vest
When you more in your golfing apparel, you will definitely appreciate this design. Everything a vest should be, and so much more. There are gussets across the bank and under the arms made of a moisture-wicking fabric to insure no unsightly stains or looks. This is a 100% polyester type of microfleece which means more protection, and more comfort.
Available in sizes from XS to 4XL, you will definitely appreciate the sizing when you trust your needs to this particular designer.
When it comes to outerwear, this is one company that offers you more of the good stuff you need. Yes, PING is definitely the golfer's dream when it comes to fashionable and reliable outerwear.
About The Author: Max Johnson of http://www.embroidered-uniforms-corporate-apparel.com. Click for more Ping Golf Jackets, Outerwear.
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- "Dennis Jarvis" <submissions@isnare.net> Apr 29 09:00AM +0800
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Article Title: Understand The Health Insurance Subsidy
Author: Dennis Jarvis
Word Count: 683
Article URL: http://www.isnare.com/?aid=1835122&ca=Finances
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The whole health subsidy change is new to American and most people. There are many questions on how it works and whether a person is eligible. Your answers are below! Keep in mind that the health reform bill which created the health subsidies is 1000's of pages....none of them easy or fun to read. Our goal at http://HealthSubsidy.net is to take all that information and simplify it so that real people can understand their options. A quick lay of the land. On this page, we'll hit the big ticket items that touch on the health subsidy universe with links to additional detail on each topic. Let's get into it!
Eligibility
In general, the subsidy will be available for individuals and families (not through group health insurance) who are citizens of the United States. There are three important considerations to look at in terms of eligibility. There other constraints and rules (it was a product of Congress after all) but these are the big three.
Up to 400% of the Federal Poverty Level
The subsidies are designed to help people afford health insurance for those that make up to 400% of the Federal Poverty Level. You can access those numbers here and the qualification will have a look back period. For example, 2013 income will drive 2014 eligibility. Below between 133% and 150% of the FPL, you may qualify for no cost Medicaid depending on your State. From that baseline up to 400% of the FPL, you will likely be eligible for a health subsidy. Above 400% of poverty, there will be NO subsidy. More detail on the 400% Rule
How much Health Subsidy can you Expect
9.5% of your income becomes a factor
So let's say you qualify based on the 400% Rule of the FPL? How much will you receive. There's two considerations here. First, how much is the underlying health insurance plan premium itself. This is driven by your age, area, and family make up. The second factor is the 9.5% Rule. Basically, the law states that you shouldn't have to pay more than 9.5% of your MAGI (Marginal Adjusted Gross Income) towards health insurance. For example, if you make $1000 monthly in MAGI, your health insurance shouldn't be more than $95/monthly. If your health insurance is $400/monthly, your expected subsidy would be $305/monthly or more than $3600 annually. We recommend using our Health Subsidy Calculator (props out to Kaiser Foundation) for an estimate and the Health Subsidy Quoting page will show actual numbers starting Oct 1st 2013.
How will the health subsidy actually work
Keep in mind that there may be differences by State but the health subsidy is expected to process this way. You will run your quote through our Partner (eff Oct 1st 2013). Part of this process will ask for income information. The system will automatically determine whether you qualify for a health subsidy and show the net premium by plan. You can then apply for coverage right through our Quoting partner and you will only pay the net difference. The health subsidy is all handled automatically starting the first month that you actually have the coverage. There may be some tax time considerations if your income increased or dropped significantly (the 400% and 9.5% rule above) but the process is fairly automated. That's great news!
Which plans can you enroll in with the Subsidy
The health subsidy will be based on the Silver Metallic plan (see Health Exchange plans and Metallic plans). Each State will have different options to qualify with the subsidy which you can find in our Health Subsidy Quote page when the Exchange is live (Oct 1st 2013). If you qualify for a subsidy, there will be very little reason not to get a qualified Exchange plan. If you do not qualify for a subsidy, you're best options will likely be off the Exchange or to keep your Grandfathered plan (a plan unchanged with effective date prior to 10/23/2010). More detail on Exchange Plans and Grandfathered Plans.
About The Author: Dennis Jarvis is a licensed health insurance agent who focuses on helping people understand the new health subsidy available through Reform for health care. http://www.healthsubsidy.net
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Article Title: The 400% Rule For Health Subsidies
Author: Dennis Jarvis
Word Count: 515
Article URL: http://www.isnare.com/?aid=1835124&ca=Finances
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Soon, we'll all know what our 400% of the Federal Poverty Level is. It's going to dictate whether you are eligible for potentially 1000's of dollars in health subsidies per year starting Jan 1st, 2014. That's a big deal especially with the ever escalating cost of health insurance (sure to continue increasing as we go forward). Let's look more closely at the 400% rule and how it impact whether you can expect to receive a subsidy.
How does your income compare to the Federal Poverty Level?
Many Americans are not aware of the Federal Poverty Level because they don't come close to qualify for the various Federal and State programs that use the FPL as a qualifier. Making 100% of poverty is approximately $11K per year for an adult and that's essentially minimum wage. The Health Reform ACA bill will change that significantly by using multiples of the FPL to determine eligible for health subsidies and other benefits. In fact, the ACA bill sets the cap at 4 times the FPL or 400%. This means that you can qualify for significant health subsidies if you make up to 4 times the Federal Poverty Level amounts. In the case above, this means that a person can make up to approximate $44K annually and expect to qualify. That's a lot of Americans! Now we're up to almost $4K monthly or $25/hourly. That's a wide net indeed.
Family members increase the basis for the 400% rule
The FPL is based on size of family. An individual person may be approximate $11K while a family of four might be $23K (you can find exact Federal Poverty Levels). We have to then multiply that $23K by 4 (400%) and we get $94K. That means a family of four that makes under $94K will likely qualify for a health subsidy! That's a big number and it should apply to many families across the United States. Here's the 2013 FPL limits: http://healthsubsidy.net/400_Percent_Rule_and_health_Subsidy.html
Important aspects of 400% rule for health subsidy eligibility
The 400% rule is interesting in that it's a fix line in the sand. If you make 401% of the FPL, there's no subsidy. The period of time is supposed to be the prior year's income. For example, 2012 tax filing will drive 2014 subsidy eligibility. Passive income will be included and the 400% is based on a person's MAGI (Modified Adjusted Gross Income). The modified adjusted gross income is found by taking the individual's adjusted gross income and adding back certain items such as foreign income, foreign-housing deductions, student-loan deductions, IRA-contribution deductions and deductions for higher-education costs.
There are other requirements for health subsidy qualification but the 400% income level is by far the big determining factor for millions of Americans being able to qualify for $1000's of dollars each year. This will continue to gain more recognition as people become aware of the significance of this number. Keep in mind that if income changes above the 400% limit, it can affect amounts to be paid back (from subsidies received) at tax time of the following year.
About The Author: Dennis Jarvis is a licensed health insurance agent who focuses on helping people understand the new health subsidy available through Reform for health care. http://www.healthsubsidy.net
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Article Title: 9.5% Rule and Your Health Subsidy Amount
Author: Dennis Jarvis
Word Count: 544
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We've discussed the importance of the 400% Rule in terms of qualifying for a health care subsidy but there's another important number to look at. The 400% rule determines if you are eligible for a subsidy while the 9.5% Rule dictates how much you can expect to receive if you do qualify. The answer is probably quite a bit if you qualify so let's look at how the 9.5% Rule works.
Health Subsidies will be based on two factors:
Part 1 - your health insurance premium for subsidy eligible plans
The first factor to look at is the actual cost of a subsidy eligible health insurance plan. A few factors will drive this cost. First of all, only certain plans can qualify for a subsidy (generally it's the Silver Metallic plan) and the subsidy eligible plans are only available in the Health Exchange (which you can quote through our Health Quote link starting October 1st, 2013 in most States). There may also be health plans outside the Exchange but these plans will not be eligible for the subsidy. You will be able to quote these as well through Quote engine.
The cost of your health plan is driven by the same factors which have always played a part but with the costs are expected to be much higher than what most individuals and families pay now. The core drivers are age, area, and of course benefits. On average, costs go up as you get older and choose richer benefits. Comparing the new Health Exchange plans with the typical plan that most people choose now on the Individual and Family market is not exactly Apples and Apples which is why the cost is supposed to be so much higher. The benefits allowed are mandated by the Health Reform bill and they are quite a bit richer than what most people choose today (due to cost). So this is the first part and we'll go a sample premium of $1200 for a family of four based on a given age/area. Let's look at the next part, the 9.5% Rule.
Part 2 - the 9.5% cap on health insurance premium sharing
The Health Reform ACA bill stipulates that a person (or family) should not pay more than 9.5% of their income towards health insurance premiums. Once we've established that the family qualifies (let's assume income of $84K/annually or $7K/monthly), then the ACA bill states that they shouldn't pay more than just under $700/monthly for premium. In the case of our sample $1200/monthly premium above (assuming subsidy eligible Silver plan), the health subsidy that family can expect to receive is $500/monthly or $6K annually. You can see that if your monthly insurance premium goes up, your subsidy goes up. If your annual income goes up (but stays under 400% of the Federal Poverty Level), your subsidy goes down.
Of course there will be many twists and turns as the health subsidy starts up but the above gives you a basic understanding on how they determine how much subsidy you will receive. You can also use our Health Subsidy Calculator for more detail information specific to your situation and the Health Quote Page (starting Oct 1st, 2013) will show actual amounts based on real health plans.
About The Author: Dennis Jarvis is a licensed health insurance agent who focuses on helping people understand the new health subsidy available through Reform for health care. http://www.healthsubsidy.net
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- "Dennis Jarvis" <submissions@isnare.net> Apr 29 08:30AM +0800
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Article Title: The Federal Poverty Level and Health Insurance Subsidies
Author: Dennis Jarvis
Word Count: 561
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The FPL or Federal Poverty Level is about to become common knowledge to most Americans, especially the 60% expected to qualify for health subsidies. These numbers which are generated by the Federal Government to determine poverty levels based on income and eligibility for many social safety nets will dictate where billions of dollars of health subsidies go. Let's take a look at the FPL and understand its new importance.
A quick introduction to the Federal Poverty Level numbers
The FPL are numbers which reflect annual income levels by family type. The numbers are increased with each additional family member added. The base numbers are 100% of the Federal Poverty level. The base numbers increase each year based on CPI or the Consumer Price Index which is a well-used representation of inflation. Otherwise, the numbers would "buy" less and less with each year due to inflation. So why is the FPL so important to health insurance now?
400% rule for health subsidies
The FPL always drove eligibility for Medicaid, Healthy Families, and other Federal safety net medical programs but the range has now been expanded with the ACA Health Reform bill. A core tenant of the bill is that eligible people up to 400% of the FPL will receive subsidies towards specified health plans available as of Jan 1st 2014 (with actual quoting and enrollment available Oct 1st 2013). This means that a person would double the FPL number that applies to him or her (single, family of four, etc) to determine if they are eligible for a health subsidy. Our health quote engine will automatically calculate this for you with entry of your income and family census data starting October 1st, 2013. Some people who make under 150% of the FPL will likely be eligible for fully paid Medicaid. So what will you get if you make under 400% of the Federal Poverty Level?
The 9.5% Rule
Qualifying for a subsidy is based on the 400% rule but the amount of health subsidy you can receive is based on your income and the cost of subsidy-eligible health plans. In general, you will not need to spend more than 9.5% of your income on health insurance premium. If the eligible health plan costs $1200 for a family of four and the family makes $50K/annually, this family should not have to spend more than $495/monthly. They will then receive a health subsidy of $705/monthly towards their health plan premium right away.
Health plan subsidies up to 250% of poverty
In addition to health subsidy towards monthly insurance premium, people that make between 150% and 250% of the FPL will also be eligible for plan benefit upgrades at no additional cost. There will be some differences from State to State on how this works but you can expect that your out of pocket for medical bills will be less due to this 150-250% FPL qualification.
Key points on the Federal Poverty Level and health subsidies
Qualification is generally expected to be your prior year's income and it's based on your MAGI or Modified Adjusted Gross Income. This will likely include passive forms of income. If you lose your eligibility status, you may be required at tax time to return the received subsidies (let's say your income jumped from 350% of the FPL to 500% of the FPL during the prior year.
About The Author: Dennis Jarvis is a licensed health insurance agent who focuses on helping people understand the new health subsidy available through Reform for health care. http://www.healthsubsidy.net
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- "Dennis Jarvis" <submissions@isnare.net> Apr 29 08:20AM +0800
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The role of iSnare.com is only to distribute this article as part of its Article Distribution feature ( http://www.isnare.com/distribution.php ). iSnare.com does NOT own this article, please respect the author's copyright and this publication/reprint terms. If you do not agree to any of these terms, please do not reprint or publish this article.
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Article Title: The Health Reform Metallic Plans and Health Subsidies
Author: Dennis Jarvis
Word Count: 531
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There are all kinds of new terms ushered in with the Health Reform bill and one of the most original is the Metallic Plan. What are these shiny new (and they are all brand new) health plans and what do they have to do with any potential health subsidy available to Americans. Great question and there are very significant ties between the new Metallic Health Plans and Subsidies. Let's take a look at the plans and this all works.
First, what are the Metallic health plans?
The ACA Health Reform bill proposed that four different plan levels would be offered in the Health Exchange plus one catastrophic option for people under age 30. The four basic levels are Platinum, Gold, Silver, and Bronze. Roughly speaking, the Platinum should cover 90% of the average health care costs leaving 10% to the enrollee. The Gold would cover 80% of this "actuarial value". The Silver would cover 70% and the Bronze would cover 60% of the expenses. That's how they were crafted. The catastrophic option for younger people would cover 50%. The bill further stated that a plan available on the Exchange must also be offered off the Exchange but health subsidies are only available in the Exchange. You can quote health plans both in the Exchange or out through our Quote Page starting Oct 1st, 2013 when they come online. So, how do these new plans tie with any proposed health subsidy?
Silver is the new black (for health plans)
The Health Reform bill further stipulated that the health subsidy, if a person is eligible, will apply to the Silver health plan. Why not the other plans? The thought was that if a person can qualify for a subsidy based on having an income under 400% of the Federal Poverty Level, the Bronze benefits would not be rich enough (too high out of pocket for medical bills) and the Platinum and Gold would be too expensive (even with subsidized amount). The Silver therefore became the lucky target of any health subsidy as part of the bill. There is another Benefit Upgrade Rule which we'll discuss separately for those making up to 250% of the Federal Poverty Level. Each State might interpret the rules slightly differently but let's assume that the Silver health plan is the plan that will offer you a subsidized premium if you are eligible.
How will the Silver plan enrollment work with the Health Subsidy?
The process is supposed to be pretty streamlined. When you run your health plan quote, the system will automatically request income information to establish if you qualify for a health subsidy. You can then quote Health Exchange plans that are eligible for the Subsidy and it will only charge you for the net premium (total premium minus the subsidy based on income, family #, etc). You will be billed going forward for the net amount of premium monthly. This is great news as it doesn't require the applicant to pay the full amount up front and recoup the subsidy later on (at tax time for example). Starting Oct 1st, 2013, you can run your Health Quote with and without Subsidy at no cost to you.
About The Author: Dennis Jarvis is a licensed health insurance agent who focuses on helping people understand the new health subsidy available through Reform for health care. http://www.healthsubsidy.net
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- "Amy Jarman" <submissions@isnare.net> Apr 29 08:10AM +0800
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Article Title: Gorgeous Maternal America Maternity Swimwear
Author: Amy Jarman
Word Count: 627
Article URL: http://www.isnare.com/?aid=1834892&ca=Womens+Interest
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The gorgeous weather lately has set the mood for summer clothing, reminding us that truly warm weather is just around the corner. For mothers who are expecting during the summer months, a maternity swimsuit is an absolute must. Maternity swimwear can be a daunting subject for expectant women, as it brings up insecurities and concerns that many women harbor. However, it is important to remind oneself that one's that ones' baby bump is a beautiful and exciting thing, and that the right maternity swimwear will make one feel confident and look amazing. Maternal America is the swimwear designer to turn to for stylish and comfortable maternity swimsuit options. Their fashionable choices are right on trend yet also classic.
One Maternal America piece we love is the Eva Maternity Swimwear. This nautically inspired swimsuit features a navy and white striped top and solid navy bottoms. The top is a halter-kini, meaning that it features a tank top with halter straps. The adjustable halter ties around the neck to ensure comfort and bust support. For a smooth shape, light padding at the bust is built in and a unique criss-cross design adds the perfect touch. The fabric stretches nicely over one's growing baby bump for the utmost comfort. The matching navy bikini bottoms have adjustable side ties to allow the perfect fit, and sit comfortably below one's belly. Trendy yet timeless, the Eva Maternity Swimwear is a must!
Another gorgeous option from Maternal America is the Emma Maternity Swimwear. The beautiful turquoise color is stunning on every skin tone and is the perfect color for summer. The tankini top features an adjustable halter tie for bust support, and can be adjusted throughout one's pregnancy as one's shape changes. We especially love the sweetheart neckline which adds an elegant feel and the turquoise brooch at the center of the bust adds unique detailing. The brooch can also be removed if one wishes for a sleeker look. Side tie bikini bottoms sit comfortably below the belly and can be adjusted for the perfect fit. Throw on a white sarong, a great pair of wedges, and a stylish pool-side look is instantly created.
The Josie Paisley Maternity Swimwear is another absolute must-have maternity swimsuit from Maternal America. The fabric's design is a paisley print which is so stylish right now, and it is designed in varying hues of blue, green, and yellow. The gorgeous print is the real showstopper of this swimsuit, but the cut and design are equally well-done. The two-piece tankini features a top with adjustable halter straps for the perfect fit, and a flattering V-neck design. It fits over one's growing baby bump nicely, and the stretchy fabric ensures comfort at every stage of one's pregnancy. Matching side-tie bikini bottoms are also adjustable for the perfect fit. We love this swimsuit for the gorgeous print, and it is easy to wear it both during pregnancy and afterwards.
Aside from a great maternity swimsuit, a cover-up is a good option as it makes going from the pool to home to running errands very easy. The Tunic Swimsuit Coverup in black from Maternal America is easy, light-weight, and super comfortable to wear. A V-neck is figure-flattering, and it ties underneath the bust for a slimming empire waist design. Throw it on after a day at the beach with a pair of flip flops, and you can easily run errands on the way home.
Maternal America designs stylish and comfortable maternity swimwear. From fun new prints to classic designs, they have something for every expectant mama to choose from. So fashionable, one is sure to want to wear their swimwear long after giving birth.
About The Author: Amy Jarman is owner of http://TummyStyle.com selling maternity swimwear (http://tummystyle.com) and maternity swimsuits (http://tummystyle.com/category/Maternity-Swimsuits-and-Maternity-Swimwear~71.html) by Prego Maternity (http://tummystyle.com/category/Maternal-America-Maternity-Swimwear~116.html) & more
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Article Title: Things to Know Before Hiring a DUI Lawyer in San Jose CA
Author: Simon Volkov
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Retaining services from a DUI lawyer in San Jose CA is an important task that necessitates research and careful consideration. The state of California imposes hefty penalties upon people convicted of driving under the influence of drugs or alcohol.
Should the need arise to hire a San Jose DUI lawyer it is imperative to locate a law firm skilled in the sort of charges involved. With that said, defendants shouldn't waste time because they will have their driving privileges suspended if they wait too long.
People who are charged with driving while intoxicated in Santa Clara County need to have a lawyer request an official hearing to prevent automatic suspension of their license. This request has to be filed with the court within 10 days from the arrest date.
The Golden State has little tolerance for those who drink and drive. People who break the law will face incarceration, fines, fees, and lose their right to drive a car. Penalties are even harsher for minors and those who have prior DUI convictions.
California quite literally has zero tolerance for underage drinking. While the state makes it illegal for adults to drive if their blood alcohol content is at or above 0.08 percent, minors can be charged with DUI if their BAC is 0.01 percent.
Penalties are steep for first offense, but repeat offenders face much greater consequences. Drunk drivers who are involved in accidents that result in bodily harm, property damage, or worse will most likely find themselves imprisoned if convicted of the crime.
Adults who are convicted of driving under the influence for the first time will have to pay court fines which range between $390 and $1,000. They could be incarcerated in Santa Clara County jail for up to six months or placed on probation for up to five years.
Most often, people convicted of DUI in San Jose must attend alcohol and/or drug education classes which can cost several hundred dollars. Additionally, they could lose their driving privileges for 6 to 10 months.
Many residents are unaware of California's Implied Consent Law which permits police officers to administer breath, blood, or urine tests once a person is arrested for DUI. If a person refuses these tests they will face further charges.
Defendants can choose to take their California DUI to trial and allow a jury to decide if they are guilty of willfully refusing to submit to BAC chemical testing procedures.
Practically everyone will agree that field sobriety testing (FST) is a helpful tool for law enforcement. However, testing procedures and equipment are not entirely infallible and there is potential for false-positive test results.
The National Highway Traffic Safety Administration acknowledges that FST equipment has a failure rate approximately 35 percent of the time. About 1 in 4 people face criminal charges due to erroneous test results.
Two factors that can adversely affect breathalyzers include electromagnetic fields (EMF) and radio frequencies. Both can cause higher than normal testing when only minimal alcohol has been consumed.
Due to the potential for improper testing procedures and faulty equipment it is vital to talk with a qualified DUI lawyer.
Certainly, people face extraordinary financial hardship when convicted of DUI in San Jose. Along with attorney retainer and defense fees, people who are convicted also have to pay court fines, alcohol education class fees, and perhaps even electronic monitoring device fees.
Furthermore, people most often have their driver's licenses suspended after DUI conviction. Those whose profession involves driving a vehicle for a living are likely to lose their job as well; especially if they are repeat offenders.
One of the better approaches for finding attorneys is through word-of-mouth referral. However, law firms can also be found at the American Bar Association website or by conducting research via the Internet.
It can be beneficial to interview a minimum of three law firms to determine which one is best suited for the specific case. People who have been charged with underage drinking or have prior DUI convictions will need help from attorneys who specialize in these areas.
Before consulting with potential attorneys it is advisable to organize paperwork associated with the case. It's also helpful to write down the list of events that occurred before and after the arrest.
Drinking alcohol and operating a motor vehicle is never a wise decision. However, people who err in judgment or those who are accused of a crime they did not commit must seek help from the best lawyer they can afford.
About The Author: Hiring the right lawyer is essential when charged with a California DUI. A qualified law firm can carefully review the circumstances to determine if charges can be reduced or dismissed. The website of http://www.duilawyersanjose.net can help individuals find the best attorney for their case.
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- "Ruth Barringham" <submissions@isnare.net> Apr 29 07:50AM +0800
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Article Title: High Quality SEO Article Writing Services and How to Choose the Best One
Author: Ruth Barringham
Word Count: 539
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If you want to attract more visitors to your website or blog, you need to update it regularly with high quality SEO content. And by 'regularly' I mean you need to add content on a daily, weekly or monthly basis.
You also need to write and submit regular marketing articles to the online article directories. Article marketing has always been one of the best and most effective ways to market your website. And the articles will go on bring your traffic to your website for years.
Just one article submitted to one article directory can bring you thousands, or even tens of thousands of visitors to your website over the next few months or years. The only caveat is that the articles need tob e good. They need to peak the curiosity of the readers to make them want to come to your website to read more.
The best way to do this is to use a professional content writing service provider. But you need to choose carefully.
You need to choose a high quality article writing service, preferably one that will provide content on an ongoing basis.
Ideally you also want to choose a company that will not only write SEO articles for you but will also upload them to your website as well. That way you can sit back and relax whilst your article writing service provider does all the work for you to increase your traffic and sales.
But how can you tell if the articles will be good? It's simple. Just have a read through the articles on their website. If their articles are of good quality, chances are yours will be too.
And what constitutes a good article?
One that is well written, easy to read, has a keyword in the article title and in the article itself and after reading the article it leaves you interested and wanting to learn more.
If an article writing service is offering to write them for extremely cheap rapes, then it is likely that the articles are going to be –
•Badly written
•Not individually written for you
•Duplicate content
•Artificially 'spun' using cheap software
•Not written by native speakers
Just remember that on the internet content is king, as they say. People come online looking for information and if they don't like the quality of the free information on your website, they won't trust you enough to want to buy anything from you because they'll just judge what you're selling by the quality of the content on your website.
And you also need well written and informative marketing articles or visitors won't even bother coming to your website.
Because you usually get what you pay for if you buy cheaply priced articles, you'll get cheaply written articles.
So if you want to fill your website or blog with great SEO articles, go for quality, not quantity and pay for the best, not the worst. Because you'll save on buying articles, you'll lose ten-fold more in lost sales.
About The Author: About the author: http://Writeaholics.com is a website that provides free writing articles and a quality SEO article writing service and blog post writing service. They can also provide article uploads and a blogging service too should you need it. http://writeaholics.com.
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- "Max Johnson" <submissions@isnare.net> Apr 28 10:20PM +0800
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Article Title: Omega Ii Mega Ratchet Hard Hat: Staying Safe And Secure In Yourself
Author: Max Johnson
Word Count: 541
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When it comes to wearing protective headgear, you will discover you get more for your money when you choose a highly reputable manufacturer such as Omega II. Mega ratchet hard hats are just one of the popular styles offers by this reliable and trustworthy manufacturer as deemed such by more and more hardworking men and women such as you. There are many manufacturers, and each offers something unique and special as well as offering standards that meet or exceed the regulatory, company, or crew standards.
The first step in insuring you get the right type, style, color, and fit for you is to insure you know all the requirements of your jobsite. Wearing protective headgear will save your life, and you will feel more comfortable knowing you are being protected when you know what the policies and guidelines are within your own crew. What color are you allowed to wear? What style is stated necessary in the guidelines?
These are just a few of the question you have to ask yourself when you start looking for your protective headgear.
You will discover that Omega II mega ratchet hard hats will exceed almost all guidelines and policies. In addition, you will find a wide array of choices and styles perfect for you and your needs. That is why more and more hardworking men and women choose Omega II mega ratchet hard hats.
What are some of the benefits of choosing Omega II mega ratchet hard hats for your protective headgear needs? How can you best insure you meet all the standards and requirements for the safety gear you need?
You will first want to check out the various colors you have to choose from. You will find there are beiges, blues, whites, and oranges. There are so many colors; you will find the shade and color that is right for you and your needs. These are a solid color and not just spray painted on which means scratched and scrapes will not deprecate the value of your protective headgear.
There are going to be different suspensions to appeal to you such as 4 point suspension or 6 point suspension. When you are looking at Omega II mega ratchet hard hats you will find that there are 6 point suspensions that are unbeatable in value and protection. This is often a matter of choice, but if you need maximum protection, you need 6 point suspension, and that is what you get when you purchase Omega II mega ratchet hard hats.
Finally, you will be able to choose from a wide array of designs and specialty protective headgears. For instance, you will find that there are a number of popular USA flags that can decorate your protective headgear. This is going to allow you to stay safe while showing your love of your country. Such a nice way to support your country, and so affordable. Choose between a single flag or a complete collage of American flags.
You get more when you purchase Omega II mega ratchet hard hats for your protective headgear needs. This is the ultimate in safety gear, and you will definitely not regret this purchase for maximum protection.
About The Author: Max Johnson of http://www.embroidered-uniforms-corporate-apparel.com. Click for more Omega II Mega Ratchet Hard Hat.
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