Choosing the Perfect Pair of Ladies Art Shoes to Wear For Evening Party

The collection of Ladies art shoes has been designed with innovation at heart. This unique collection of shoes combines both comfort and design. Whether it is peep toe shoes or boot sandals, all women love to wear something exclusive and striking as their evening wear.

You should choose to wear shoes, which should complement your dress. You should be able to carry yourself well in those shoes. Sometimes it can be exhausting for you to select a pair of matching shoes when you are going out in the evening. However, if you have a collection of Ladies art shoes in your closet then you have nothing to worry. These shoes come in a variety of colours and designs.

When you are out for shopping your perfect pair of evening shoes, you will have to see that it is stylish as well as comfortable. The shoes come in various designs and at extremely inexpensive rates. Sometimes you may even get a good price for these shoes if you get them on sale. Before making, any purchases check for the originality of the product because you surely do not want to be tricked.

Some of the products in this collection are highly in fashion and purchased by many women. Black is the chosen colour for most women for party wear. It is elegant and sophisticated and goes well with most dresses. In this shoe collection, you will find clogged heels in black that are super classy. If you want to go for something different then you can opt for the black suede wedge boot. They are ankle boot with peep toes and are ideal for summer or spring. In the Ladies art shoes collection you may also find buckle wedges with multi straps to go with your short dress. These are peep toe shoes with high-wedged heels and ooze absolute style and class.

With a short dress, you can try out the platform boots. These boots have synthetic lining and sole, which add a touch of glamour to your closet. If you are attending a corporate party then the timeless court shoes from Ladies art shoes will be absolutely befitting. These are sophisticated shoes and are ideal for any formal occasions. With a button and a round toe, these shoes are regarded as classic footwear for women of all ages.

Last but not the least is the gorgeous high heels from this collection that can be an appropriate choice for your evening party wear. No wardrobe would be complete without these killer heels. These high-heeled shoes are glamorous, have excellent cuts, and are an absolute must -buy for all women.

These shoes are chic and trendy and offer different categories from which you can choose your perfect pair for your evening party. Measure your foot size before you actually venture out to buy any product. Whether it is high-heeled boots or clogged heels or even brogues shoes every women will find something suitable on offer.

Make your wardrobe complete by adding a pair of ladies art shoes today.

How to Easily Shop For Shoes

It has been said that shopping is a woman’s best exercise. This may be true in a certain degree as it has been noted that women in general really enjoy roaming around the mall just to find the perfect item they want to buy. But as much as women love to shop, it is still best that the time for shopping is lessened as much as possible. Doing this will give you more time to do other things of importance.

Shoes, for example, are products that give women a hard shopping time, making them lurk around the mall for longer hours. So when it comes to shopping for them, how can you use your time in order to get the perfect fit?

First and foremost, know what kind of shoes you are looking for. Are you looking for running shoes for working out? Or perhaps you are looking for shoes that you will wear at the office? Or maybe you want to buy a pair of fashionable boots that you can wear for a party? Make sure that this is clear before you go wandering around the mall in order to prevent you from being sidetracked into buying other shoes that you don’t need. Also, know your allotted budget for you to essentially narrow down your choices of shoes.

When shopping for shoes, it is better that you go to a specialty store than going to a department store. This is because the people at the specialty store are much, much more knowledgeable about the products and that is one thing that you should really have, someone you can trust to give you good advice. Doing this will help you to find what you are really looking for–functional, nice, and durable pair of shoes.

Make it also a habit to shop later in the day. Our feet have the characteristic to be swollen after being used for sufficient hours in a day. Shopping while in this condition would assure you that the shoes that you will purchase will still suit perfectly to the shape of your feet even after your feet have already expanded. This is a good move to prevent the intense pain that you could experience when you’ve used the shoes for longer hours.

Also, bear in mind the age of the one who will wear the shoes as those in the younger ages are most likely still in the growing process. It is wise that you put some allowances to give an appropriate space for the feet’s growth. Doing this will also save your money and time as you will not need to buy new pairs of shoes constantly.

Take time to examine the shoes before trying them on. This will save you time and effort as you will only allot your time trying the ones that potentially suit you. When trying them, make sure that you walk around the shop to make sure that they indeed are perfect for your feet.

Health Savings Accounts – An American Innovation in Health Insurance

INTRODUCTON – The term “health insurance” is commonly used in the United States to describe any program that helps pay for medical expenses, whether through privately purchased insurance, social insurance or a non-insurance social welfare program funded by the government. Synonyms for this usage include “health coverage,” “health care coverage” and “health benefits” and “medical insurance.” In a more technical sense, the term is used to describe any form of insurance that provides protection against injury or illness.

In America, the health insurance industry has changed rapidly during the last few decades. In the 1970’s most people who had health insurance had indemnity insurance. Indemnity insurance is often called fee-forservice. It is the traditional health insurance in which the medical provider (usually a doctor or hospital) is paid a fee for each service provided to the patient covered under the policy. An important category associated with the indemnity plans is that of consumer driven health care (CDHC). Consumer-directed health plans allow individuals and families to have greater control over their health care, including when and how they access care, what types of care they receive and how much they spend on health care services.

These plans are however associated with higher deductibles that the insured have to pay from their pocket before they can claim insurance money. Consumer driven health care plans include Health Reimbursement Plans (HRAs), Flexible Spending Accounts (FSAs), high deductible health plans (HDHps), Archer Medical Savings Accounts (MSAs) and Health Savings Accounts (HSAs). Of these, the Health Savings Accounts are the most recent and they have witnessed rapid growth during the last decade.

WHAT IS A HEALTH SAVINGS ACCOUNT?

A Health Savings Account (HSA) is a tax-advantaged medical savings account available to taxpayers in the United States. The funds contributed to the account are not subject to federal income tax at the time of deposit. These may be used to pay for qualified medical expenses at any time without federal tax liability.

Another feature is that the funds contributed to Health Savings Account roll over and accumulate year over year if not spent. These can be withdrawn by the employees at the time of retirement without any tax liabilities. Withdrawals for qualified expenses and interest earned are also not subject to federal income taxes. According to the U.S. Treasury Office, ‘A Health Savings Account is an alternative to traditional health insurance; it is a savings product that offers a different way for consumers to pay for their health care.

HSA’s enable you to pay for current health expenses and save for future qualified medical and retiree health expenses on a tax-free basis.’ Thus the Health Savings Account is an effort to increase the efficiency of the American health care system and to encourage people to be more responsible and prudent towards their health care needs. It falls in the category of consumer driven health care plans.

Origin of Health Savings Account

The Health Savings Account was established under the Medicare Prescription Drug, Improvement, and Modernization Act passed by the U.S. Congress in June 2003, by the Senate in July 2003 and signed by President Bush on December 8, 2003.

Eligibility –

The following individuals are eligible to open a Health Savings Account –

– Those who are covered by a High Deductible Health Plan (HDHP).
– Those not covered by other health insurance plans.
– Those not enrolled in Medicare4.

Also there are no income limits on who may contribute to an HAS and there is no requirement of having earned income to contribute to an HAS. However HAS’s can’t be set up by those who are dependent on someone else’s tax return. Also HSA’s cannot be set up independently by children.

What is a High Deductible Health plan (HDHP)?

Enrollment in a High Deductible Health Plan (HDHP) is a necessary qualification for anyone wishing to open a Health Savings Account. In fact the HDHPs got a boost by the Medicare Modernization Act which introduced the HSAs. A High Deductible Health Plan is a health insurance plan which has a certain deductible threshold. This limit must be crossed before the insured person can claim insurance money. It does not cover first dollar medical expenses. So an individual has to himself pay the initial expenses that are called out-of-pocket costs.

In a number of HDHPs costs of immunization and preventive health care are excluded from the deductible which means that the individual is reimbursed for them. HDHPs can be taken both by individuals (self employed as well as employed) and employers. In 2008, HDHPs are being offered by insurance companies in America with deductibles ranging from a minimum of $1,100 for Self and $2,200 for Self and Family coverage. The maximum amount out-of-pocket limits for HDHPs is $5,600 for self and $11,200 for Self and Family enrollment. These deductible limits are called IRS limits as they are set by the Internal Revenue Service (IRS). In HDHPs the relation between the deductibles and the premium paid by the insured is inversely propotional i.e. higher the deductible, lower the premium and vice versa. The major purported advantages of HDHPs are that they will a) lower health care costs by causing patients to be more cost-conscious, and b) make insurance premiums more affordable for the uninsured. The logic is that when the patients are fully covered (i.e. have health plans with low deductibles), they tend to be less health conscious and also less cost conscious when going for treatment.

Opening a Health Savings Account

An individual can sign up for HSAs with banks, credit unions, insurance companies and other approved companies. However not all insurance companies offer HSAqualified health insurance plans so it is important to use an insurance company that offers this type of qualified insurance plan. The employer may also set up a plan for the employees. However, the account is always owned by the individual. Direct online enrollment in HSA-qualified health insurance is available in all states except Hawaii, Massachusetts, Minnesota, New Jersey, New York, Rhode Island, Vermont and Washington.

Contributions to the Health Savings Account

Contributions to HSAs can be made by an individual who owns the account, by an employer or by any other person. When made by the employer, the contribution is not included in the income of the employee. When made by an employee, it is treated as exempted from federal tax. For 2008, the maximum amount that can be contributed (and deducted) to an HSA from all sources is:
$2,900 (self-only coverage)
$5,800 (family coverage)

These limits are set by the U.S. Congress through statutes and they are indexed annually for inflation. For individuals above 55 years of age, there is a special catch up provision that allows them to deposit additional $800 for 2008 and $900 for 2009. The actual maximum amount an individual can contribute also depends on the number of months he is covered by an HDHP (pro-rated basis) as of the first day of a month. For eg If you have family HDHP coverage from January 1,2008 until June 30, 2008, then cease having HDHP coverage, you are allowed an HSA contribution of 6/12 of $5,800, or $2,900 for 2008. If you have family HDHP coverage from January 1,2008 until June 30, 2008, and have self-only HDHP coverage from July 1, 2008 to December 31, 2008, you are allowed an HSA contribution of 6/12 x $5,800 plus 6/12 of $2,900, or $4,350 for 2008. If an individual opens an HDHP on the first day of a month, then he can contribute to HSA on the first day itself. However, if he/she opens an account on any other day than the first, then he can contribute to the HSA from the next month onwards. Contributions can be made as late as April 15 of the following year. Contributions to the HSA in excess of the contribution limits must be withdrawn by the individual or be subject to an excise tax. The individual must pay income tax on the excess withdrawn amount.

Contributions by the Employer

The employer can make contributions to the employee’s HAS account under a salary reduction plan known as Section 125 plan. It is also called a cafeteria plan. The contributions made under the cafeteria plan are made on a pre-tax basis i.e. they are excluded from the employee’s income. The employer must make the contribution on a comparable basis. Comparable contributions are contributions to all HSAs of an employer which are 1) the same amount or 2) the same percentage of the annual deductible. However, part time employees who work for less than 30 hours a week can be treated separately. The employer can also categorize employees into those who opt for self coverage only and those who opt for a family coverage. The employer can automatically make contributions to the HSAs on the behalf of the employee unless the employee specifically chooses not to have such contributions by the employer.

Withdrawals from the HSAs

The HSA is owned by the employee and he/she can make qualified expenses from it whenever required. He/She also decides how much to contribute to it, how much to withdraw for qualified expenses, which company will hold the account and what type of investments will be made to grow the account. Another feature is that the funds remain in the account and role over from year to year. There are no use it or lose it rules. The HSA participants do not have to obtain advance approval from their HSA trustee or their medical insurer to withdraw funds, and the funds are not subject to income taxation if made for ‘qualified medical expenses’. Qualified medical expenses include costs for services and items covered by the health plan but subject to cost sharing such as a deductible and coinsurance, or co-payments, as well as many other expenses not covered under medical plans, such as dental, vision and chiropractic care; durable medical equipment such as eyeglasses and hearing aids; and transportation expenses related to medical care. Nonprescription, over-the-counter medications are also eligible. However, qualified medical expense must be incurred on or after the HSA was established.

Tax free distributions can be taken from the HSA for the qualified medical expenses of the person covered by the HDHP, the spouse (even if not covered) of the individual and any dependent (even if not covered) of the individual.12 The HSA account can also be used to pay previous year’s qualified expenses subject to the condition that those expenses were incurred after the HSA was set up. The individual must preserve the receipts for expenses met from the HSA as they may be needed to prove that the withdrawals from the HSA were made for qualified medical expenses and not otherwise used. Also the individual may have to produce the receipts before the insurance company to prove that the deductible limit was met. If a withdrawal is made for unqualified medical expenses, then the amount withdrawn is considered taxable (it is added to the individuals income) and is also subject to an additional 10 percent penalty. Normally the money also cannot be used for paying medical insurance premiums. However, in certain circumstances, exceptions are allowed.

These are –

1) to pay for any health plan coverage while receiving federal or state unemployment benefits.
2) COBRA continuation coverage after leaving employment with a company that offers health insurance coverage.
3) Qualified long-term care insurance.
4) Medicare premiums and out-of-pocket expenses, including deductibles, co-pays, and coinsurance for: Part A (hospital and inpatient services), Part B (physician and outpatient services), Part C (Medicare HMO and PPO plans) and Part D (prescription drugs).

However, if an individual dies, becomes disabled or reaches the age of 65, then withdrawals from the Health Savings Account are considered exempted from income tax and additional 10 percent penalty irrespective of the purpose for which those withdrawals are made. There are different methods through which funds can be withdrawn from the HSAs. Some HSAs provide account holders with debit cards, some with cheques and some have options for a reimbursement process similar to medical insurance.

Growth of HSAs

Ever since the Health Savings Accounts came into being in January 2004, there has been a phenomenal growth in their numbers. From around 1 million enrollees in March 2005, the number has grown to 6.1 million enrollees in January 2008.14 This represents an increase of 1.6 million since January 2007, 2.9 million since January 2006 and 5.1 million since March 2005. This growth has been visible across all segments. However, the growth in large groups and small groups has been much higher than in the individual category. According to the projections made by the U.S. Treasury Department, the number of HSA policy holders will increase to 14 million by 2010. These 14 million policies will provide cover to 25 to 30 million U.S. citizens.

In the Individual Market, 1.5 million people were covered by HSA/HDHPs purchased as on January 2008. Based on the number of covered lives, 27 percent of newly purchased individual policies (defined as those purchased during the most recent full month or quarter) were enrolled in HSA/HDHP coverage. In the small group market, enrollment stood at 1.8 million as of January 2008. In this group 31 percent of all new enrollments were in the HSA/HDHP category. The large group category had the largest enrollment with 2.8 million enrollees as of January 2008. In this category, six percent of all new enrollments were in the HSA/HDHP category.

Benefits of HSAs

The proponents of HSAs envisage a number of benefits from them. First and foremost it is believed that as they have a high deductible threshold, the insured will be more health conscious. Also they will be more cost conscious. The high deductibles will encourage people to be more careful about their health and health care expenses and will make them shop for bargains and be more vigilant against excesses in the health care industry. This, it is believed, will reduce the growing cost of health care and increase the efficiency of the health care system in the United States. HSA-eligible plans typically provide enrollee decision support tools that include, to some extent, information on the cost of health care services and the quality of health care providers. Experts suggest that reliable information about the cost of particular health care services and the quality of specific health care providers would help enrollees become more actively engaged in making health care purchasing decisions. These tools may be provided by health insurance carriers to all health insurance plan enrollees, but are likely to be more important to enrollees of HSA-eligible plans who have a greater financial incentive to make informed decisions about the quality and costs of health care providers and services.

It is believed that lower premiums associated with HSAs/HDHPs will enable more people to enroll for medical insurance. This will mean that lower income groups who do not have access to medicare will be able to open HSAs. No doubt higher deductibles are associated with HSA eligible HDHPs, but it is estimated that tax savings under HSAs and lower premiums will make them less expensive than other insurance plans. The funds put in the HSA can be rolled over from year to year. There are no use it or lose it rules. This leads to a growth in savings of the account holder. The funds can be accumulated tax free for future medical expenses if the holder so desires. Also the savings in the HSA can be grown through investments.

The nature of such investments is decided by the insured. The earnings on savings in the HSA are also exempt from income tax. The holder can withdraw his savings in the HSA after turning 65 years old without paying any taxes or penalties. The account holder has complete control over his/her account. He/She is the owner of the account right from its inception. A person can withdraw money as and when required without any gatekeeper. Also the owner decides how much to put in his/her account, how much to spend and how much to save for the future. The HSAs are portable in nature. This means that if the holder changes his/her job, becomes unemployed or moves to another location, he/she can still retain the account.

Also if the account holder so desires he can transfer his Health Saving Account from one managing agency to another. Thus portability is an advantage of HSAs. Another advantage is that most HSA plans provide first-dollar coverage for preventive care. This is true of virtually all HSA plans offered by large employers and over 95% of the plans offered by small employers. It was also true of over half (59%) of the plans which were purchased by individuals.

All of the plans offering first-dollar preventive care benefits included annual physicals, immunizations, well-baby and wellchild care, mammograms and Pap tests; 90% included prostate cancer screenings and 80% included colon cancer screenings. Some analysts believe that HSAs are more beneficial for the young and healthy as they do not have to pay frequent out of pocket costs. On the other hand, they have to pay lower premiums for HDHPs which help them meet unforeseen contingencies.

Health Savings Accounts are also advantageous for the employers. The benefits of choosing a health Savings Account over a traditional health insurance plan can directly affect the bottom line of an employer’s benefit budget. For instance Health Savings Accounts are dependent on a high deductible insurance policy, which lowers the premiums of the employee’s plan. Also all contributions to the Health Savings Account are pre-tax, thus lowering the gross payroll and reducing the amount of taxes the employer must pay.

Criticism of HSAs

The opponents of Health Savings Accounts contend that they would do more harm than good to America’s health insurance system. Some consumer organizations, such as Consumers Union, and many medical organizations, such as the American Public Health Association, have rejected HSAs because, in their opinion, they benefit only healthy, younger people and make the health care system more expensive for everyone else. According to Stanford economist Victor Fuchs, “The main effect of putting more of it on the consumer is to reduce the social redistributive element of insurance.

Some others believe that HSAs remove healthy people from the insurance pool and it makes premiums rise for everyone left. HSAs encourage people to look out for themselves more and spread the risk around less. Another concern is that the money people save in HSAs will be inadequate. Some people believe that HSAs do not allow for enough savings to cover costs. Even the person who contributes the maximum and never takes any money out would not be able to cover health care costs in retirement if inflation continues in the health care industry.

Opponents of HSAs, also include distinguished figures like state Insurance Commissioner John Garamendi, who called them a “dangerous prescription” that will destabilize the health insurance marketplace and make things even worse for the uninsured. Another criticism is that they benefit the rich more than the poor. Those who earn more will be able to get bigger tax breaks than those who earn less. Critics point out that higher deductibles along with insurance premiums will take away a large share of the earnings of the low income groups. Also lower income groups will not benefit
substantially from tax breaks as they are already paying little or no taxes. On the other hand tax breaks on savings in HSAs and on further income from those HSA savings will cost billions of dollars of tax money to the exchequer.

The Treasury Department has estimated HSAs would cost the government $156 billion over a decade. Critics say that this could rise substantially. Several surveys have been conducted regarding the efficacy of the HSAs and some have found that the account holders are not particularly satisfied with the HSA scheme and many are even ignorant about the working of the HSAs. One such survey conducted in 2007 of American employees by the human resources consulting firm Towers Perrin showed satisfaction with account based health plans (ABHPs) was low. People were not happy with them in general compared with people with more traditional health care. Respondants said they were not comfortable with the risk and did not understand how it works.

According to the Commonwealth Fund, early experience with HAS eligible high-deductible health plans reveals low satisfaction, high out of- pocket costs, and cost-related access problems. Another survey conducted with the Employee Benefits Research Institute found that people enrolled in HSA-eligible high-deductible health plans were much less satisfied with many aspects of their health care than adults in more comprehensive plans People in these plans allocate substantial amounts of income to their health care, especially those who have poorer health or lower incomes. The survey also found that adults in high-deductible health plans are far more likely to delay or avoid getting needed care, or to skip medications, because of the cost. Problems are particularly pronounced among those with poorer health or lower incomes.

Political leaders have also been vocal about their criticism of the HSAs. Congressman John Conyers, Jr. issued the following statement criticizing the HSAs “The President’s health care plan is not about covering the uninsured, making health insurance affordable, or even driving down the cost of health care. Its real purpose is to make it easier for businesses to dump their health insurance burden onto workers, give tax breaks to the wealthy, and boost the profits of banks and financial brokers. The health care policies concocted at the behest of special interests do nothing to help the average American. In many cases, they can make health care even more inaccessible.” In fact a report of the U.S. governments Accountability office, published on April 1, 2008 says that the rate of enrollment in the HSAs is greater for higher income individuals than for lower income ones.

A study titled “Health Savings Accounts and High Deductible Health Plans: Are They an Option for Low-Income Families? By Catherine Hoffman and Jennifer Tolbert which was sponsored by the Kaiser Family Foundation reported the following key findings regarding the HSAs:

a) Premiums for HSA-qualified health plans may be lower than for traditional insurance, but these plans shift more of the financial risk to individuals and families through higher deductibles.
b) Premiums and out-of-pocket costs for HSA-qualified health plans would consume a substantial portion of a low-income family’s budget.
c) Most low-income individuals and families do not face high enough tax liability to benefit in a significant way from tax deductions associated with HSAs.
d) People with chronic conditions, disabilities, and others with high cost medical needs may face even greater out-of-pocket costs under HSA-qualified health plans.
e) Cost-sharing reduces the use of health care, especially primary and preventive services, and low-income individuals and those who are sicker are particularly sensitive to cost-sharing increases.
f) Health savings accounts and high deductible plans are unlikely to substantially increase health insurance coverage among the uninsured.

Choosing a Health Plan

Despite the advantages offered by the HSA, it may not be suitable for everyone. While choosing an insurance plan, an individual must consider the following factors:

1. The premiums to be paid.
2. Coverage/benefits available under the scheme.
3. Various exclusions and limitations.
4. Portability.
5. Out-of-pocket costs like coinsurance, co-pays, and deductibles.
6. Access to doctors, hospitals, and other providers.
7. How much and sometimes how one pays for care.
8. Any existing health issue or physical disability.
9. Type of tax savings available.

The plan you choose should according to your requirements and financial ability.

BIBLIOGRAPHY

1 Questions and Answers about Health Insurance- A Consumer Guide’ published jointly by the Agency for Healthcare Research and Quality (AHRQ)and America’s Health Insurance Plans (AHIP)
2 http://www.en.wikipedia.org/wiki/Health_savings_account
3 2002 AHIP Survey of Health Insurance Plans
4 “How High Is Too High? Implications of High-Deductible Health Plans” Davis, Karen; Michelle Doty and Alice Ho. The Commonwealth Fund, April 2005
5 http://www.fdhc.state.fl.us/schs/pdf/hsa_tri-fold_brochure.pdf
6 HSA/HDHP CENSUS 2008 by Hannah Yoo, Center for Policy and Research, America’s Health Insurance Plans
7″HEALTH SAVINGS ACCOUNTS Early Enrollee Experiences with Accounts and Eligible Health Plans” John E. Dicken Director, Health Care.
8 Thomas Wilder and Hannah Yoo, “A Survey of Preventive Benefits in Health Savings Account (HSA)Plans, July 2007,” America’s Health Insurance Plans, November 2007
9 Gladwell, Malcolm, “The Moral Hazard Myth”, The New Yorker (29-08-2005)
10 2008 Benchmark Survey HAS Bank
11. Employer Health Benefits 2007 Annual Survey, Kaiser Family Foundation
12. Health Savings Accounts and High Deductible Health Plans: Are They An Option for Low-Income Families?Catherine Hoffman and Jennifer Tolbert for Kaiser Family Foundation, October 2006
13. Medicare Prescription Drug, Improvement, and Modernization Act of 2003

Activity Internet Report, Part-Time Internet Marketing

Before I start on this one, it may be well to remember the saying,
“where is the best place to meet the high and mighty high?”
hey, at most New Years Eve Parties.

If you want to read a article written by a Internet Guru or English
Professor you can stop reading now. If you’re looking for honest
Internet Information in plain everyday writing this is for you. Read
on, this could save you a bundle and give you enough information to
start part time Marketing on the internet.

I found out the hard way that Internet business opportunities are
almost never all they’re cracked up to be. The only persons who benefit
from the opportunities are the people who start the programs and a
few friends at the top.

Seen all those ads with images of luxury cars, boats, and house? This
is the image of high life you can have if you join a MLM opportunity.
If you believe the above I have a beautiful famous bridge in San
Francisco I want to sell, cheap, doesn’t wait, today only.

As a newbie to the Internet (joining after years of retirement), with 40
years of successful publishing, printing, business off line, it makes
me sick to think people would believe this. Yeh, just join this MLM and
in two months you will be building a luxury house next to Bill Gates.

Scams after scam try to make people believe that pyramid selling laws
just doesn’t apply to the Internet. Many so-called marketers are not just
sneaky, but are out and out liars.

Further, very few offer any sort of resources to help you. To make
matters worst, they make you feel like a real “dumbie” by e-mailing you
2 days after joining, wondering why you haven’t signed up at the very
least 100 members. They make it look like it’s your fault you have not
yet earned enough to pay for that lot next to Bill Gates.

Their scams have given the Internet a real bad name. Just mention to a
friend or work mate about joining or buying something on the Internet.
I will bet you 90% will just change the subject or walk away. So many
persons got sucked into some of these get rich scams that the average
person will not trust the Internet when it comes to buying products,
services.

Webmasters who are now on the web work overtime, researching, and
building trust, which enables them to sell on the Internet.

They know success does not come overnight. They have to work hard,
be persistent, teachable, research. They have to make the effort and
a little bit of cash helps.

If you intend on making a living on the Internet start out part time.
The failing rate on the Internet is over 94 percent, mostly because
they buy into the MLM Marketer that promises all you have to do
is join as a paid member.

In your dealings with others, make sure you have proper disclosures as
required by law. To be an effective marketer, don’t be untruthful, make
false, misleading statements. Further remember you are responsible
for statements made by the MLM marketer if you are an affiliate selling
for them. You too could be charged and fined along with the MLM
you are promoting.

To make sure you are following the regulations for advertisements, and
other rules and regulations check out the following at FTP.

* The Applicability of FTC Law to Internet Advertising

* Clear and Conspicuous Disclosures in Online Advertisements

* Specific Issues in Applying Certain Rules and Guides to Internet Activities.
[http://www.ftc.gov/bcp/conline/pubs/buspubs/dotcom/index.html]

PROTECT YOUR COMPUTER AND MONEY

Here are a few steps you can take to be on the safe side. If your email
program has the option to automatically download attachments, make sure
it is turned off.

Check and make sure your Anti Virus is up to date.

If you have to open an attachment, save the file to your computer or
a disk.

Manually scan the file using up-to-date Anti Virus.

Remember scammers use fake websites, mail redirects. Before sending
any money check it out first. Never just click on the URL provided.
Type in the URL manually.

If you receive an email with the heading Paypal, Clickbank etc., asking
you to confirm your user, password, remember they already have this
information and would not be asking you for it.

YOUR INTERNET “BANK” PAYPAL

If you buy or sell on the Internet, you need a secure reliable firm
for sending,accepting payments online. Paypal (owed by e bay) is one
of the preferred ways of sending or receiving cash online. You are
notified within minutes when you pay, buy or send money. Never trust
using your cards on the Internet. By the time you get your monthly
statement hundreds of dollars could be charged to your account. Play
it save. Get a free account with PayPal today!
https://www.paypal.com/row/mrb/pal=EMXEHEG6CP2TY

I started as an affiliate but it has a lot of drawbacks. Sure they
will supply you with a free website, but then you know there are
hundreds all the same. Search engines as a rule will not list affiliate
sites.

Further, the URL given to you to promote with are long, ugly, and it’s
easy to steal your commission. Any one that may have wanted to join or
buy the product your promoting will just cut off your ID code and join.
You lose the commission and an affiliate. Plus the biggest draw back is
you don’t get a list of the persons you promote for the firm.

If you do want to sell a product for a MLM make sure you check them out.
Then you need to get the script that will shorten the URL you are given
to promote with, or learn how to clone the URL so your commission is not
stolen. Join a couple forums, and ask if anyone could give you the
script to be able to do either of the above. Most people in forums will
help because it also gives them a plug.

What business do you know (other then an Internet MLM) gets you to pay for
their advertising and work for free? You’re better off to set up your
own web site and promote as a reseller or get and sell your own products.
This way you can build up your own list.

I hate to admit this but for some reason I got tunnel vision when it came
marketing as an affiliate. I learned how to get free hits to my site, got
number 1 to 8 listing in MSN, Yahoo, Googl for my key words. in fact
have from 2 to 6 listing in each of the top 10 listing for all three of
the above search engines. My hits for December were over 2 million, yet
because I was selling for MLM’s without cloning my URL,just made enough
to cover my expenses.

No person told me everyone could tell I was a newbie and a dummie when
they saw my affiliate URL, not cloned. They would cut off the ID number
at the end if they were interested in the product I was selling, get the
commission that should have been mine, plus what hurt more was I lost an affiliate.

The cost of setting up a web site is minimum. Should you go this route I
highly recommend Robyn at:

No, I have no personal interest in myfriendlyhost, nor do I get any commission
from Robyn for listing her site. Without Robyn’s help I would have quit the Internet.
She is one of the few persons on the Internet who helped me, without
asking for money first.

LIGHTSIDE

Now lets see if we can get you to grin again by checking out some of
these great quotes;

“if we let loggers go in and cut down the trees we wouldn’t have a
problem with forest fires”- George Bush

I only hope our Premier Gordon Campbell does not see this. He is just
liable to take Mr. Bush’s advice. With all the forest fires we have here
in BC, Greenpeace would really see some clearcuts.

“that lowdown scoundrel deserves to be kicked to death by a jackass,
and I’m just the one to do it” -A congressional candidate in Texas.

By any chance was Mr Bush ever a candidate in Texas??

My best pick;
“if someone has a bad heart, they plug this jack in at night as
they go to bed and it will monitor their heart throughout the
night. And next morning when they wake up dead, there’ll be a
record”- Mark S. Fowler, FCC Chairman.

Just goes to prove we all are humans, make mistakes and when it’s
the other person’s slip-up, enjoy it.

None of the free listings below are mine, nor am I a affiliate of any
of the listings. They are listed for your benefit only.

You should also consider selling via ebay. They first started in 1995,
and I am sure few people would have believed they would have over 157
million members worldwide today.

Thousands of persons are making a good living today selling on eBay.
They give you a lot of support with free information, tools and
resources. Really a great way to start on the Internet part-time, as
you have control on the hours you want to spend to make it work.

If you’re interested, below you can click on their URL for free
Information.
A Look at Third Party eBay Tools

A free list of some of the top providers of ebay’s, including
name buyer’s, seller’s addresses, plus information on each.
[http://developer.ebay.com/certifiedprovider/catalog.aspx]

Brings you the most popular and highest rating auctions, free.

If your really interested in Internet Marketing, sign up to a couple
free Internet Marketing Newsletter, and Forums. Learn and earn.

Best wishes, and I hope this article is helpful.

Publishing Industry Jobs

As recently as five to seven years ago, careers in the publishing industry were actually limited because of the small number of existing publishing houses, and the majority of those have been privately owned for generations and remain so today. However, many opportunities exist in the publishing industry because of the new innovative technology that has arisen out of the Internet.

Probably the most obvious job within the publishing industry is that of an author. The second most well known or recognized job outside of the publishing industry is that of a literary agent, and the third is editor.

Authors write the material or texts that are to be published. They submit their work to literary agents who forward the work onto the editors of publishing companies. Sometimes authors will forward their work directly onto the editor, foregoing the agent who will take a percentage cut of the author’s paycheck.

If the author is really lucky, the editor will call him directly with a job.

One of the problems is letting go of out-dated thinking and processes. While some places may have a ‘top-down’ problem, others have leadership that actually do think in terms of the 21st century and new media opportunities. But they are most likely the exception. Part of the problem is one of a slow-to-change work culture.

There are many (great) veteran editors and sales people in publishing companies near and far that have held on tightly to the same way of doing things; editors used to only have to work on a print version of a magazine and sales made fairly easy commissions on recurring print advertising. Now editors frequently have several outlets to satisfy (print, web, podcast interviews, webcasts and, yes, videos) while sales people have to sell sponsorships for these new content vehicles. Sales people also need to understand these new technologies to convincingly sell them.

Thepeople working in desktop publishing use a computer software in order to produce and format publication material. They basically use numbers, text and data to prepare the publication material. The publication material can range from newsletters, newspapers to magazines and books.

There is a huge demand for people in the desktop publishing industry. In fact the statistics show that about 4 out of 10 desktop publishing professionals work in various newspapers, books, periodicals and directories. Every 1 professional out of 4 work in the printing industry and other related activities.

The statistics also show that employment figures are also expected to grow faster in the near future.The jobs are easily accessible for people with a certificate or degree. To receive a degree you can get a training from an accredited vocational school or college. The time that you’ll have to invest in order to get a certificate in desktop publishing is not much, in fact it in about a year, what it takes to get yourself a desktop publishing certificate.

There are other lesser known jobs in the publishing industry other than author, agent, editor, and publisher. One of these lesser known jobs is that of author publicist. The publicist takes the published book, the author, and puts together a public relations campaign that goes beyond simply marketing. If the author is a growing phenomenon, chances are that the publicist can be seen right beside the author during book tours.

Shopping For Fashionable Plus Size Tops

Your clothes express who you are as a person; your style, your mood, sometimes even your interests. The cuts, patterns, prints, and colors you choose for your wardrobe are important. Until recently, women of size were drastically limited when it came to options, especially in shirts and blouses. Thankfully, now we can find fashionable plus size tops in tons of different styles. By combining brilliant colors and striking patterns, you can find tops that flatter your beautiful, curvy body.

Black tops have long been the standard when it comes to plus size tops. And we all have heard the reasons why: they go with everything, they make you look slimmer, etc. The truth is, a black blouse can be more than just versatile; it can be beautiful and elegant too. A simple black tank top can also be the basic piece to a layered outfit that combines other colors. Being creative with black is a great way to expand your style and develop new outfits from clothing you already have in your closet.

Shirts and blouses come in all kinds of different colors and prints. If you spend just a little time shopping around, you will be sure to find tons of fun designs. Shopping online is easy and can be done right from the comfort of your own home.

You don’t have to limit yourself to just one style or color! Express yourself with plus size tops that match your personality and taste. You may be surprised at just how many options there are available to you in modern and stylish plus size clothing.

Home ElectronicsCigarette (cigarrillo electronico) Automated Protection You Need To Know

Electronic cigarette(cigarette electronique) is a safe thing to consider when the(sigaretta elettronica).(cigarros electronicos) are a new and unknown computer, that should be reviewed and understand the use of the(elektronisk cigaret) for personal use. Security (cigarrillos electronicos) to be taken seriously and understood the use of the(elektronischen zigaretten).Safety begins with the spray (cigarrillo electronico). The spray is the small part that screws into the pile of (sigaretta elettronica) and connect the spray cartridge (elektroniske cigaretter).

This sprayer is heated to convert the liquid electronic cigarette nicotine cartridge into the water vapor that is inhaled. The electronic cigarette is safe in the knowledge that this warming and can be hot. Never drag a permanent or inhaling the electronic cigarette, because this will make(cigarros electronicos) spray to keep warm and eventually melt the toner. You must be a burden when you feel the urge to smoke. The use of the is moderately good security and cartridges will actually last longer.Another important safety does not hinder the electronic cigarette too hard. When you take a drag of you should take a slow, deep pull in about 3-5 seconds. If you pull too hard on the cartridge, you can potentially suck some of the nicotine in the mouth. If this happens, the security of (cigarro) correct too quickly, rinse your mouth with water.

When the ecigarette(sigaretta elettronica) company shows their cheap electric cigarette online, determine should they have had their logo design placed on it. Whether it just states ecigarette(elektronines cigarettes) or something like that cheap searching, this means they bought the in low amounts at affordable prices because they didn’t wish to spend the additional money possess a brand.

Always determine if there’s a person service or telephone number to call. Cheap ecigarette(cigarros electronicos) companies don’t want you to speak to them when their cheap ecigarette break in it plus they want spares. Whether it breaks you….you’re at a complete loss.

search for a warranty program. cheap companies know their are cheap and can break, they don’t want to spend out for spares.Take each one of these factors into account when selecting a top quality and never some cheap Sometimes may possibly not be worthwhile to purchase cheap electric cigarettes when they will break you. The word, you receive that which you purchaseis actually true. Opt for a reliable brand with a decent customer support and warranty program. Choose Electric DeleteCompany.Remember these important points of electronic security e-cigarette. If you want to know more about the safety of electronic cigarettes, go and read some of their blogs passing through security and electronic cigarette important things to know how you can safely use your cigarette.

From Goose Farmer to Top Internet Marketer

I was asked the other day ‘What’ it has been that had allowed me to change in such a short period of time my life into better. I was asked what I was doing and which miracle had happened that I had more time and more money at the same time? I was asked if I had found something like an infinite income plan to make money online.

Well, I could have simply answered ‘yes’. But I felt like this was the right moment to going into depth and sharing what I had found and what the ‘secret’ was behind the scenes, behind my change and success: Darren Salkeld’s Infinite Income Plan and how i applied it to learn to earn cash from a top internet marketer and make money online myself – applying what I had learned and am still learning!

Make Money Online Secret Revealed: there was no secret, there is no secret. I wanted to learn to earn cash and simply researched for a real business opportunity online that would meet my criteria. I was blessed to meet Darren Salkeld on an international workshop, where he was presented as a top internet marketer. And this is exactly what Darren Salkeld is and where it all started for me.

The Infinite Income Plan is where Darren Salkeld has put together all his learnings and experience on how to learn to earn cash and make money online. Darren Salkeld put it all together in one place, in the Infinite Income Report.

So who is Darren Salkeld? Today Darren Salkeld stands synonymous for the Infinite Income Plan. Till a few years ago he was a hard working goose farmer and leader in his family business – with a small difference to so many others in his same position: he had a vision! Darren knew that there needed to be some way to learn to earn money and make money online. He went and researched each online marketer he could get hold of and each method he could try, he would do so.

Darren Salkeld today knows all the mechanisms to make money online as he knew how to learn to earn cash and talk with each successful internet marketer he could get hold of. Driven by his vision and solid principles and values that are key to making any income plan and marketing activity a vivid instrument to success, Darren Salkeld has decided to share his knowledge with you and me, with all of us. He even went a step further and created out of his personal instant income plan the infinite income plan which shows all of us a possibility to open our mind to new dimensions.

What attracted me most about the whole Infinite Income Plan, more than all the information on how to learn to earn cash and insights it gives, it is the fact that Darren Salkeld does not talk about tools and techniques only, as many internet marketers do. Darren highlights the importance of our values and believes, of our vision and wish to achieve.

A fast track to learn to earn cash and make money online is part of Darren’s Infinite Income Plan as well as motivational messages and clear guidance on all areas, apart from the pure business aspects, that are all part of our personal success stories.

You can have a list, the famous winning list of people online each internet marketer needs and wants. But it will be of no value if all these people will have no confidence in you. Only the moment that they will trust you, that they will feel that you care for them and about them, only then you will be really able to call your list a winning list! And this is exactly the secret formula that great online marketer Darren Salkeld used and still uses with his Infinite Income Plan.

Quick Finance – Caveat Loans And Bridging Finance

Short term loans help people lessen their immediate money troubles, because of increasing everyday expenses and no sufficient income to meet the requirements. These loans by and large come in a shape of payday loans, in that you can obtain immediate cash with the settlement time between two and three weeks. Lots of lenders in Australia offer their service online that let you submit an application for the finance, 24 hours a day and 7 days a week.

If you need fast money, then a caveat loan, short term loan or bridging finance from any Australian finance Centre can help.

Caveat loans

Fundamentally, caveat loans are all about when lenders offer the borrower fast money, in return for their property as defense for the finance.

The submission of applications for these loans is extremely quick, and it is likely to be short term from approximately one month to four months. Usually the borrower can get the money inside 24 hours after the request has been launched, and in the majority of cases, having a bad credit documentation does not have an effect on your possibility of successfully achieving it. In other words, these loans are finance for property.

The reason caveat loans are provided for assets is since the borrower have to secure an asset against it, and the majority of the time, the assets consists of realty properties or vehicles, as other kinds of assets are usually not acknowledged to be a defense for such loans.

Bridging Finance

By explanation, Bridging Finance is a short-term loan used to buy business property.

This is something that can come in very helpful, conditional on your particular circumstances. There are two major points that you need to think about before you choose a Bridging Finance package, your wants and the condition of the property market.

One of the main benefits of Bridging Finance is that it will let you close on a property and buy a new property before you get rid of your existing one. You will need to assess your present situation to decide if your wants give good reason for taking on this sort of finance.

Paying off your Bridging Loan at the ending of the term usually depends on your capacity to sell your existing property. If it is not sold in the obligatory time, then you will have to pay the existing loan on your present property, your new property and the newly transformed Bridge Finance, too. If you think that this might be the likelihood then be sure to take a package that can be changed to business Loans if the need comes up. Or else, you might have to come up with the complete finance amount at the conclusion of the funding time.

Electric Cigarettes (cigarros electronicos)? An initial Line Reaction to Giving up Smoking

Electric cigarettes(cigarros electronicos) really are a first line reaction to giving up the demon tobacco weed and preventing the consumption of poisonous chemicals and pesticides that are by items from burning tobacco in cigarette(cigarette), pipes and cigars.

Electric cigarette(cigarro electronico) are determined by nicotine being breathed in in the small atomizer included in the electric cigarettes(elektronines cigaretes) however that’s in which the resemblance finishes when evaluating electric cigarettes(elektroniskas cigaretes) to regular tobacco filled cigarettes.

Preventing the deadly practice of smoking cigarette or tobacco items do not need to function as the agony it’s been for decades of people who smoke previously electric cigarettes(elektroniske cigaretter) enable people who smoke to create the difficult and somewhat harrowing transition from smoking regular tobacco items and also the debilitating unwanted effects and withdrawal signs and symptoms to some creation that brings about all of the pleasures of smoking with no Uncategorized dangers.

Traditional tobacco items are statistically accountable for over 400,000 deaths in the usa each year and never surprising really once the content of tobacco is analysed and also the results show some 5,000 chemicals and compounds are contained therein, including numerous chemicals for example arsenic, chemicals, ammonia & benzopyrene simply to title a couple of.

Electronic cigarettes(sigarette elettroniche) really are a socially acceptable option to smoking regular tobacco items because there’s no smoke produced therefore there’s no smoke smell hanging in mid-air, neither are non people who smoke around the immediate vicinity contaminated using the foul smell and acrid burning sensation to them, nor it is possible to danger from what’s generally known to as ?passive smoking.
Overall, electronic cigarettes(cigarette) really are a safe option to regular tobacco items in just as much that no deadly chemicals or compounds are made available to your body.

Electronic cigarettes(sigaretta elettronica) work by vaporizing a tiny bit of liquid nicotine which provides the enjoyable feeling acquired from smoking, but no hideous unwanted effects connected with smoking real tobacco items for example stained teeth, foul-smelling breath, emphysema, cancer from the lung area, throat and mouth and also at worst, a lengthy and agonized slow dying.

E-cigarette have numerous, several benefits for private wellness and health, but additionally they provide an excellent wealth advantage too.

The Government does not tax them out of the box the situation with real tobacco items, plus they are cheaper professional rata without ?no tax? benefit.

To learn more and also to discover which non tobacco electronic cigarettes (cigarro)or electric cigarettes is worth considering and also to break the deadly habit a person can have, start smelling more gratifying and restore your wellbeing.