Friday, September 30, 2016

Allegra reduces the natural chemical histamine in the body

What is Allegra?


Allegra is an antihistamine that reduces the natural chemical histamine in the body. Histamine can produce symptoms of sneezing, itching, watery eyes, and runny nose.


Allegra is used to treat the symptoms of seasonal allergies (hay fever) in adults and children.


Allegra is also used to treat skin itching and hives caused by a condition called chronic idiopathic urticaria in adults and children.


Important information about Allegra


Before using Allegra, tell your doctor if you are allergic to any drugs, or if you have kidney disease.


Fruit juices and certain antacids can make it harder for your body to absorb Allegra. Take the disintegrating tablet on an empty stomach, at least 1 hour before or 2 hours after a meal.


There may be other drugs that can affect Allegra. Tell your doctor about all the prescription and over-the-counter medications you use. This includes vitamins, minerals, herbal products, and drugs prescribed by other doctors. Do not start using a new medication without telling your doctor.


Stop using Allegra and get emergency medical help if you think you have used too much medicine, or if you have any of these signs of an allergic reaction: hives; difficulty breathing; swelling of your face, lips, tongue, or throat.


Less serious side effects are more likely, and you may have none at all. Tell your doctor about any unusual or bothersome side effect.


Tell your doctor if your symptoms do not improve, or if they get worse after you start taking Allegra. Never take more of the medication than your doctor has prescribed.


Before taking Allegra


Before using Allegra, tell your doctor if you are allergic to any drugs, or if you have kidney disease.


FDA pregnancy category C. This medication may be harmful to an unborn baby. Tell your doctor if you are pregnant or plan to become pregnant during treatment. It is not known whether this medication passes into breast milk or if it could harm a nursing baby. Do not use Allegra without telling your doctor if you are breast-feeding a baby. Allegra tablets and capsules may be used to treat seasonal allergy symptoms in children who are at least 6 years old. Allegra oral suspension (liquid) may be used in children ages 2 through 11. When treating chronic idiopathic urticaria, the liquid may be used in children as young as 2 months old.


Thursday, September 29, 2016

Get your website listed with search engine submission services

"Search engine submission" refers to the work of getting your web site listed with search engines. Earlier in the history of the web the submission process could be automated. Nowadays, however, most search engines have implemented steps to prevent this. Today this activity is generally done by experts in Search engine submission services. Getting listed on search engines does not mean that the sites will necessarily rank well for particular terms. However, it simply means that the search engine knows your pages exist.


When it comes to owning a website, traffic is the most important concern. More traffic means more customers. Search engine submission and website promotion is a vital aspect of gaining traffic to your site. There are millions of websites on the Internet and it can be difficult to compete with them for a ranking in search engine. Search engine submission services strive to provide customers with a high search engine ranking though it is not always possible in high competition markets. Remember, Search engine submission services do not guarantee high placement.


There are two basic reasons to submit a web site or web page to a search engine. The first reason would be to add an entirely new web site because the site operators don’t want to wait for a search engine to discover them. The second reason is to have a web page or web site updated in the respective search engine. There are two basic methods still in use today by Search engine submission services to submit your site to a search engine. They can either submit just one web page at a time. Or, they can submit the entire site at one time with a site map. However, many times, most search engines are able to crawl a site with just the home page, provided that it is well designed.


Web sites desire to be listed in popular search engines because that is how most sites are often seen by visitors who eventually convert into customers. Sites that appear on the first page of a search are said to be in the top 10.


Nevertheless, many Search engine submission services still exist that offer to automatically place any web site with several hundred search engines for a fee. These business services are generally considered to be scam operations because they do not work. There are little more than a dozen or two search engines to begin with. And, there are really only 3 major search engines. It should take only about 15 minutes to submit a site to all three of these search engines. Therefore you should be extremely careful while enlisting Search engine submission services.


Wednesday, September 28, 2016

Buy steroids if bodybuilding is a passion for you

You’re often ready to do anything to bulk up your muscles, if bodybuilding is a passion for you. You’re just interested in your body, and don’t often see anything bad in using anabolic steroids. If you are really that passionate and crazy about your bodybuilding, you can certainly buy steroids.


Definitely, you can buy steroids, if you really care about your appearance and want to become a real bodybuilder. There are plenty of nutritious food materials available to increase your muscle mass, but they definitely need more time to offer you good results. Anabolic steroids however can do the same in much lesser time. Anabolic steroids certainly are the right stuff to make you successful easily and quickly.


But, before you buy steroids, you must know the right kind of steroids for you. Your medical doctors can better prescribe you beneficial anabolic steroids. Otherwise, you can spend some time browsing a number of internet sites to have complete knowledge and information on these drugs. You doctor can best advise you the right anabolic steroids and their right dosages, or you can also check out such useful info online.


It’s really very important for you to know the right amount of doses for particular anabolic steroids. These drugs, if taken rightly in right doses, do not cause severe side effects. You can also use several medicines to neutralize and mitigate the side effects of anabolic steroids. Your doctor can better advise you a number of such medicines, or you can find a lot of information on such medicines on internet. You can also seek such information from the site where you buy steroids.


Generally, such useful information on anabolic steroids is available in steroid profiles. You should try to find steroid profiles from some reliable sources. Authentic and honest steroid profiles provide you useful information on the right ways, right doses, and right quantities of using anabolic steroids. So, you can buy steroids, if you’re sure to use these drugs rightly in right amounts.


One more thing that is important for you to know, before you buy steroids, is STEROID STACKING. You must know right way and right combination of anabolic steroids. It can be really hazardous to stack two incompatible anabolic steroids. So you must know the anabolic steroids that are compatible for stacking with the anabolic steroids that you intend to use.


Tuesday, September 27, 2016

Should you budget your money when you own a business

One of the most difficult things to do when you start a new business is putting together a budget. Without any financial history on which to base income and expenses, it may seem like guesswork, but as part of any business plan a tentative budget can be established with some thought and anticipation for the future.


In most businesses there are two main categories, income and expense. Under your expense category there can be several sub-categories often falling into two main areas of controllable expenses and uncontrollable. While many business owner claim they can control every expense involved in their business, they are simply kidding themselves as some things such as utility cost, the amount of rent and other so-called fixed costs can, and do change, with the owner having no control.


Other expenses such as payroll, insurance and advertising can be subject to a budget, but they are considered controllable expenses. If the business begins to fall off, you can control some of these expenses by laying off employees and cutting back on advertising. However, living by a budget will help maintain profitability in many respects but can also turn against you in the long run.


Depending on the viability of your business it often is a better investment to bite the financial bullet on employee wages and still provide good customer service to the remaining customers until business picks back up. By trying to everything yourself not only will you burn out quickly, but is no one is taking care of the customers, it will not take long until there are no more customers to care for.


There are two ways to budget your business money and that is through set dollar amounts and percentage of income. Many businesses will budget their controllable expenses by the dollar and non-controllable by percentage of income. Obviously a good part of the owner’s time is going to be based on bringing money into the business and how much they have to spend on controllable expenses will be in direct relation to income.


For example, a company earning $20,000 a month in income has budgeted six percent for payroll, providing $1,200 for payroll. If the income level rises to $50,000 the budgeted payroll percent does not change but the dollars available for payroll climbs to $3,000. With an obvious increase in business to create the additional income, the owner will probably need the extra help to take care of business.


There are many other expenses that fall into the payroll account such as worker’s compensation charges, Social Security tax paid by the employer and paid vacation time or other perks determined by the employer. While a budget may be difficult to establish for a new business, it is a necessary evil for all business owners.


Sunday, September 25, 2016

Spirituality information - john harricharan s interview with terri marie q1

Terri Marie: I would be honored to do that, Vish. It's always a great pleasure to talk with my good friend, John. And John, I can't wait to ask you some of these questions. I've been saving questions up for a long time, and I have three pages. I know we're not going to get through them all today, but I wanted to at least give the listeners a taste of the incredible wisdom and insights that you have.


So I'd like to start with -- when did you first realize, John, that there was a spiritual side to life?


John Harricharan: It's interesting because that's a question that's asked of me always, in interviews, in talks, wherever -- "When did you realize there is a different side, a spiritual side, to life?" And my answer is this. It's another question. It's -- When did I realize that I needed air to breathe, to live, or I needed food?


I can't say when I had that realization. I have a feeling that that realization is deep within each and every one of us. And we do look at it consciously, as we grow older. So I would say I was born with this, just like I think that all almost 7 billions of us on earth are born with it. I just started looking at it at a much earlier age.


Terri Marie: Well, thank you, John. And you seem to have a great grasp of this and you can put it into such simple terms. How are people going to be able to use this Spiritual simplicity site to help their spiritual growth?


John Harricharan: One of my mottos was one of the things I have always wanted to do was to make things so simple that everybody or anybody, just anyone, at any level would be able to understand them. I am reminded of what Albert Einstein once said, which was "Everything should be made as simple as possible and not one bit simpler."


So the Spiritual simplicity site, I think, is going to be one of the greatest gifts that we could give here on earth that Vish is putting together with some of my input, because it will take all these complex things. Everything that people are talking about, if boiling a crystal, facing the morning sun, and drinking the water and turning around three times, and all kinds of rituals and all kinds of teachings, self-help, self-development, talk about mantras and kundali rising, and what not -- things that people don't even have any idea exist and put them into what I call practical, simple methods of achieving harmony in life of balance and body mind spirit.


It’s got to be useful. It’s got to be simple. So that anyone could use it. I like what my late friend the great Sunbear used to say, “If your medicine doesn’t grow corn, what good is it. “ So if what we say in this site doesn’t help people to become more prosperous if they are not, became healthier if they have lacked health and they become -- have the greatest best relationships on earth, if what we teach or what we share in this site, wouldn’t do that than what use is it. So that’s what the site is designed to do.


Bad credit payday loans no enquiries for instant money

People need monetary help very often for meeting regular or unexpected expenses. Bad Credit Payday Loans can give timely money to the salaried people, who have host of problems like late payments, defaults, arrears against their names. However, these loans can become a new source of debts, if you fail to borrow the money in a wise manner.


Under these loans, you can borrow anywhere from


Saturday, September 24, 2016

Color schemes for interior decorations

It is often easier to decorate around the house; there exist some amount of spontaneity inspiring you to plunge into your own styling. When it comes to wall color schemes, things turn the other way. For amateurs and enthusiasts and homemakers too, this field appears a bit risky, with lots to lose — time, money, and efforts to start with, not to mention the redoing it requires.


You don’t need to feel overwhelmed with the ordeal. To plan and co-ordinate color scheme for every room in the home, you can take one step at a time. Assess each room individually and make notes as to the amount of natural light it receives, the kind of lighting you have used and the color that will best compliment the natural architectural features of your home. It’s easy to estimate these details, if you have lived in the house for some time.


Before you decide, take a closer look at the existing carpeting, flooring and woodwork and it will allow you to make a safe choice. On an average, color scheme on the walls will helps you to determine the harmony between colors to be used throughout the dйcor. Color wheels are often used to determine the complimentary colors; you can do the accents furnishings (rugs, lamps, paintings) and furniture in the complimentary colors. Some common schemes for selecting the best color for a space,


• Monochromatic Color Scheme: The most common one, it uses a single color in different shades, tints, values, textures and hues to bring the harmony and flow, a sense of uniformity to a place.


• Analogous scheme: This one uses adjacent colors on the color wheel, allowing you many possibilities within the warm or cool color category. Plan the colors diligently, for it is important for the colors to come out as a great combo.


• A complementary scheme: Here, one can use the colors opposite each other on the color wheel, again a difficult task as the balance of colors will take some careful thinking. Considered bold and modern.


• Triadic Color Scheme: This one uses three hues. Each is placed consecutively or at equal distances from each other. For example, yellow, green and red, this scheming uses their tones, shades and scales in three hues placed at equal distances from each other. On studying the color wheel and looking up different color scheming, get a practical view and start planning. Here are a few steps for your consideration,


• When you have decided on the color palette for a room, start with the lighter shades for walls, medium for furniture and windows (or contrasts), doors etc. If you don’t want to change the furniture, work around a wall color that is a shade lighter in the same order. Accessories may look great in the darkest of shade on your color card.


• Lighter shades like cream, whites, lemon, Ivory can make a big difference in making a space look larger. You can use a lighter shade as the base or neutral color; play with contrast and bolder shades for rest of the dйcor.


• You need to have ‘eye resting point’ where all the colors break even. Nothing big or too loud, a great complimentary colored vase or bowl or art piece or painting that highlights the accents, and harmonizes the interiors in a balancing art.


• Usually, people use boldest of colors on fabrics like cushions, curtains and mats. You can use harmonize fabrics by using colors as accent fabrics on chairs, decorative pillows, tablecloths and mats.


• Repeat each colors in an equal proportion throughout the room, and in at least 3-4 places. The best color ratio: Divide color use to approximately 60% of the room in the background (lightest) color, 30% in the mid-tone color, and 10% in the brightest, accent colors.


Play within the color rules, but when it comes to creativity, don’t overlook your own power. You can do wonders with pieces and bits within the arena and create a space that reflects your taste, your individuality.


Fix that flat common sense tips for using a tire jack

When you need to jack your car up to change a tire, it may not always be under ideal conditions. Regardless of whether you're on the side of a highway or in the relative comfort of your own garage, the process of lifting a vehicle weighing thousands of pounds entails some risk. By following a few simple procedures, you can minimize any hazards to yourself and your vehicle.


Know Your Jack


Most vehicles come equipped with a small scissor jack. This jack will be functional enough for an emergency tire-change on the roadside. Before you’re in an emergency situation, familiarize yourself with your specific jack and how it works.


Secure the Area


When possible, ensure that vehicle is parked on a level surface. Make sure that the car is secure. The emergency brake should be firmly set. Vehicles with automatic transmissions should be in “park,” while ones with manual transmissions should be left in gear. Wedge bricks or blocks to the front and back of the tire on a diagonal from the tire to be lifted.


Pick Your Battleground


Determine an appropriate place to set the jack. A common novice mistake is to set the jack under a bumper or body panel. These areas aren't designed to hold the weight of the entire car; they can break under the strain and allow the car to fall. The jack must go under the vehicle's frame, otherwise known as the chassis. Most cars are designed with a specific location for jack placement. When in doubt, check your owner's manual.


Keep it Steady


Make sure that the jack is placed on a stable, even surface. If the ground is rough or covered with gravel, place a broad, sturdy board underneath the jack. This is especially important with small, factory-provided tire jacks, which may very have narrow bases.


Proceed with Caution


Crank the jack up slowly. Although you may be in a hurry, take your time. Be careful to not have any part of your body underneath the car, so as not to be injured if the vehicle should fall. Once the car is lifted enough for the tire to clear the ground, push on it a bit to verify its stability on the jack.


Lower the Vehicle


Now that the tire has been changed, bring the car back down just as you jacked it up: slowly and with care. Once again, no part of your body (or anyone else's) should be underneath the vehicle. If there are other people present or assisting, have them step back away from the car and out of the way. Finally, remove the blocks from the chocked wheel.


By working at an even pace and using common sense, you should be able to raise a vehicle, change its tire, and lower it again safely. Keep in mind that these instructions only apply to lift a car to change a tire, not to any kind of repair work that requires you to get underneath the car; for that, further precautions will be necessary.


Friday, September 23, 2016

Selecting the right forklift

A forklift is not only a vehicle, it is a tool. A tool capable of lifting objects weighing thousands of pounds. It is very similar to a small truck, but has a hydraulic system that supports a fork in the front. That fork is adjusted by the hydraulic systems, when the pistons move, and can lift heavy weights. All forklifts have a driver or operator that will use the wheel to manoeuvre the vehicle close the object that needs to be lifted. Then the operator uses the hydraulic system to lift or bring down cargo and objects. The forks of the lift are metal and made out of steel for added durability. Just like every other vehicle you can find forklifts new and used when looking to buy. It is important to know exactly what operation you would like the forklift to perform before acquiring one. There are differences in the way forklifts operate. Once there is decision made about what is the exact use of the forklift then the issue of price comes into play.


The general price for a brand new forklift ranges between $10,000 and $30,000. The price of the forklift depends primarily on the power source the particular forklift uses. For instance forklifts that use electricity as a power source are pricier than the ones with combustion engines. Depending on what kind of motor, electric or internal combustion, the capabilities of the forklifts lifting power changes. In general, the bigger the motor and lifting capacity the higher the price of the forklift will be.


Finding the right forklift and buying it is not easy. There are so many models, makes and kinds of forklifts at many prices. Some are new some are used is nearly impossible to find the perfect one. The first thing someone should consider when buying a lift is whether it will serve their needs. Then after examining its structural condition there needs to be an assessment of the price to see if it is worth the money.


Forklifts are not cheap. That’s why, just like every other vehicle, there is a market for used ones. A used forklift can cost half as much as a new one and can be just as good. The same argument stands with forklifts as it does with cars and trucks, a used vehicle may break down more often, need more parts, older ones might have increased fuel consumption and sometimes warranties have already expired.


Regardless of whether one decides to get a new or used forklift, it is important to decide what kind of forklift to acquire. Certain forklifts are destined for indoor use while other ones can perform tasks outdoors on gravel roads and uneven terrain. Forklifts are either powered by gasoline, propane, or electricity. Electric forklifts use batteries to store electricity. Although, internal combustion forklifts that burn gasoline or propane sometimes stronger or faster than electric forklifts, they are more prone to problems and need to be maintained frequently. When buying a forklift you should keep in mind that fuel is costly. Another thing you might need to take in consideration is the indoor/outdoor factor. If you need a forklift for indoor use then you might want to get an electric one. A forklift running on an electric motor means no fumes to worry about.


Thursday, September 22, 2016

How to get a cheap remortgage and save thousands

The definition of a cheap remortgage is different for the lender and the buyer. Lenders see a cheap remortgage as one where they lose money. Home buyers see a cheap remortgage as one where they save money.


It all comes down to where interests lie. It is obvious the lenders interests lies with making money off the loan while the home owners interests lie with saving as much as possible on the loan.


A cheap remortgage is possible. Actually the whole concept of a remortgage is to get a better and cheaper deal then with the original mortgage. The goal is to secure a lower interest rate and get reduced or waived fees. A remortgage is primarily just a way for the home owner to get a better deal.


Lenders do not necessarily want to hand out cheap remortgage. The reason is that the lender is making their money from the interest accruing on the loan. They want to keep the rates higher because they earn more money that way.


However, they understand that home owners are looking for lower rates. In the end their best interest in keeping the customer happy because that will help to ensure the customer stays with them as their lending source.


To get a cheap remortgage a home owner should first discuss their options with the current lender. Once they find out what they will offer it is time to start shopping around. After finding different options the home owner can go back to their lender and try to negotiate.


As mentioned, it is in the lenders best interest to try and keep the customer, so they will be likely to be willing to negotiate upon their rates based upon the quote form other lenders.


A cheap remortgage is going to based up a few factors. It is going to be dependent upon the interest rate and the amount financed. The amount financed could be different due to the equity in the home. Additionally, the term will be shorter so the overall cost will be lower then the original loan anyway.


A cheap remortgage is a money saver for the home owner. It is a way to earn back a little of the money spent on the home purchase.


A cheap remortgage takes some work, but it can be negotiated in the home owners best interest if they know how to play their cards right. The trick is getting their lender to give them a good rate in order to keep them as a customer.


It is all about negotiating which is a skill a home owner has to learn before ever starting the remortgage process. They have to be able to ask for a deal and then back up their request with proof from other lenders that shows their lender they can get a better deal elsewhere.


A cheap remortgage is ideal for a home owner. Saving money on such a big purchase is always a good idea. It also help to free up finances for other options, like home improvements, which also help the home owner, get more for their money.


Wednesday, September 21, 2016

Smarter ways to teach math

Schools across the country have found new ways to make math add up for students-and the country's most recent "report card" is showing the results of that hard work.


According to the U. S. Department of Education, a study called the Nation's Report Card, which provides state-by-state educational data, shows across-the-board gains in mathematics. In fact, overall fourth-grade and eighth-grade math scores rose to all-time highs, according to the study. The news comes as many Americans have focussed on ways to help their children improve their math scores in an effort to help ensure that their children have more successful academic and financial futures.


To help, many schools have used new types of technology to teach kids math. For instance, an interactive computer program called Accelerated Math, by Renaissance Learning, Inc., helps educators personalize their lessons to each student in a classroom. The technology prints personalized math practice sheets for students, corrects their work and then reports their results. Detailed reports and record keeping functions give educators a daily snapshot of each student's progress and mastery.


The process makes it easier for teachers to gauge each student's individual strengths and weaknesses and to help kids meet state and federal test requirements.


Accelerated Math content is designed to work with existing math textbooks and is aligned to state standards. Teachers can learn more about how to use Accelerated Math by working with a specialist from the company.


The specialists advise on ways to use classroom-proven routines and best practices associated with the software, as well as ways to get the most time-saving benefits from the technology. For instance, teachers using the software need to grade fewer papers and develop fewer lesson plans, freeing them up to pay more attention to their students.


It's thought such technology can help schools remain competitive in the global academic arena.


Tuesday, September 20, 2016

Bagging the journey - what you-need-to-know about sleeping bags

Remember back in the day when you would tote your cool superhero sleeping bag around where ever you went? What comic book phenomenon was on yours? I simply had to have Spider Man. I was his biggest fan. My Spider Man sleeping bag went everywhere I did. I loved carrying it to the top of the stairs over and over. Then I would climb deep inside it and slide down the steps. But didn't we all do that? Okay, that may have just been me. What can I say. I was a rather strange child, but with a huge imagination. Regardless, we all have to confess that sleeping bags are the bomb.


When we are young they work as a second bed and a secure haven from anything wicked or scary. Then when we reach adulthood, they are more or less just camping supplies. But, could you ever get along without sleeping bags? Well probably not, especially if you enjoy camping.


Classic sleeping bags are just one of those accessories we can't live without. What kind are you snoozing in these days when you hit the trails for a weekend in the wilderness? Maybe you are still caught on those cartoon sleeping bags like back when you were a kid. Or maybe you are camping in sub-zero temperatures and require a mummy bag. You see, with sleeping bags you have to assess the environment. While some are constructed and designed for warm climates, others are built for frigid weather.


Now, just like with clothing, you wouldn't want to carry along the wrong sleeping bags on certain outings. This can result in frost bite or a sweaty night of tossing and turning. Always plan ahead before venturing out into the rough, and be sure to take along the proper camping supplies and sleeping bags.


Where do you shop for class sleeping bags? For a while I started to wonder if they even made them anymore. I was browsing through department stores and could not even find one. Then it clicked. I had to hit up the outdoor stores and sporting good suppliers for sleeping bags.


While I did come across a number of high-end and high-priced sleeping bags and camping equipment, I was not able to spot what I was searching for. I needed a fun, cartoon covered sleeping bag for my seven year old daughter. In the end I turned to the Internet for assistance, and found that this is the best place to shop for sleeping bags regardless of your preference. Hop online and check out the plethora.


Monday, September 19, 2016

Acne treatment- taking care of mild acne

Acne has three stages of diseases - mild, moderate and severe. If acne can be treated during the first stage itself, you can save tremendous amount of effort and protect yourself from the agony of bad looking scars that form after third stage of acne. Catch acne in the mild stage itself and do not let it grow to second and third stage.


Mild acne does not need more intensive forms of treatment. Many acne sufferers treat themselves with OTC medicines for acne. Some patients prefer to consult a doctor at this stage itself to protect themselves from any flare up of acne.


Let us discuss the common treatment available for mild acne. Over the counter medications consisting of salicylic acid or benzoyl peroxide can control mild acne that is mainly whiteheads and blackheads. While using these medications, wash your acne prone area with mild sop/cleanser and warm water twice a day to remove excess oil and dead skin.


Some times these products may cause dryness, redness or peeling. Use an oil free moisturizer if the peeling is present. The skin takes some time to adjust to the acne medication. If irritation occurs, you should consult your doctor. Please remember that acne medication takes time to treat acne. Many time up to eight weeks to work. Keep patience and wait for the results to get acne cured. If you do not get results after that, you should consult your doctor. Your doctor may prescribe other medicines to treat acne.


This article is only for informative purposes. This article is not intended to be a medical advise and it is not a substitute for professional medical advice. Please consult your doctor for your medical concerns. Please follow any tip given in this article only after consulting your doctor. The author is not liable for any outcome or damage resulting from information obtained from this article.


Sunday, September 18, 2016

The best bachelor party ideas

The tradition of the bachelor party may date as far back as the 1800s. The stereotype of a bachelor party is a last night of debauchery for the groom and his friends before the wedding but in more recent times soon to be grooms are looking to less traditional activities to mark their final days as bachelors. While there are still would be grooms, who opt to spend the last hours before their wedding partying with alcohol and female exotic dancers, many men are choosing a less traditional route such as camping trips, sporting events, daredevil activities and even co-ed bachelor parties that include the soon to be bride and her friends. These types of activities are much less likely to get the groom in trouble with his bride not to mention that they won’t leave the groom feeling too sick to even remember his wedding day.


Camping is one alternative to the traditional bachelor party. You may choose to either rough it by backpacking to a location with only the gear on your back to help you survive the elements for a few days or you could choose to drive to a spa facility that offers well appointed cabins and five star gourmet meals. Whichever option you choose, you are bound to have a great deal of time relaxing and enjoying the company of the rest of the participants in your bachelor party. A camping trip offers the groom a quiet atmosphere to reflect with his friends on the journey he is about to take.


Sporting events are another great alternative to the usual bachelor party ideas. You may find that married life does not offer you as much free time to spend with your friends as you used to have so take this chance to enjoy a little bit of fun with your friends. Whether you choose to partake in a sport of your choice or purchase tickets to see your favorite professional athletes it is sure to be a great opportunity to bond with your male friends in the last few days before your wedding. It is wise to try choosing a sport that all of your guests will be able to participate in especially if you plan to include very young or very old guests. In this situation playing a game of football may not be the best idea but taking everyone to play a round of golf might be an activity that all of the guest can enjoy.


Still another activity that translates well into a bachelor party idea is getting a group of friends together to try an adrenaline pumping, activity geared for thrill seekers such as sky diving or white water rafting. The exhilaration gained from these activities coupled with the fear factor makes them a perfect activity for bonding with your friends. These daredevil activities will cause you and your friends to bond during the excitement leading up to the event as well as the thrill of accomplishing a new activity. While these types of activities are great for male bonding, it is important to remember that they are risky activities and there is the danger that you might be hurt during these activities. If this is your bachelor party idea of choice you might want to consider holding your bachelor party well in advance of your wedding to avoid last minute injuries that delay the wedding.


Co-ed bachelor parties that coincide with the bachelorette party are becoming increasingly popular as well. One common practice involving these adjunct parties is to have the bachelors and bachelorettes meet at separate restaurants for dinner and then join each other at a nightclub to cap off the night with some dancing and a few drinks. These types of parties can be a great deal of fun because they allow both the bride and the groom some time apart to spend time with their friends and then they reunite the couple at the end of the night in a chance for them to spend time with all of their friends without the pomp and circumstance that is likely to accompany their wedding reception.


The debauchery of stereotypical bachelor parties is not the only way to enjoy a fun-filled bachelor party that gives you the opportunity to bond with your friends. Camping trips, sporting activities, extreme adventures and even co-ed bachelor parties are redefining the traditional bachelor party. These bachelor party ideas not only serve to keep the groom out of trouble but also offer the opportunity to enjoy a new adventure.


Friday, September 16, 2016

Flight and travel discounts for cheap holidays

Most middle class American families put off traveling, every year because they are either busy or very tired or because primarily they do not have enough money for holidays. In many ways, their actions are justified. Traveling expenses are rising. The answer to many of your holiday problems could be solved if you read up about travel discount, which are available on the newspapers, Internet and even the yellow pages. Most families could try venturing off for vacations that energizes them, freshens up their minds, and gives them a time they will always cherish.


Economic Airfares


One of the most unsavory aspects of holiday is actually the terribly costly airfare. Most air travelers try for a good discount. There are various ways of getting a discount on your airfare. Try to, start or end your journey mid week, on a Tuesday, Wednesday, or Thursday. Spend at least a week to get discounted prices. Check out discounted travel sites, which can give you a better bargain for you. Make sure you check fares on the cheap flights, apart from the major airlines.


Money spent on ground transportation is another expensive area. Whatever means of travel you choose try getting the best deal. Discounts could be available if you book for online car rentals. Though be sure you are knowledgeable about the rental companies, insurance, roadside facilities, apart from other important matters, which you need to know about. If you plan to stop in multiple destinations while traveling in Europe and North America, buy your rail passes well in advance so that you can save yourself some money.


Cheap Holidays


Once you have traveled to your destination, you will need a place to put up in. For a better deal try staying on a longer period in the same hotel. Some other bargain options you might try are home exchanges, Timeshares, house sitting, hostels, etc. Unlike cheap bed and breakfast, which you can source from yellow pages, motel coupons can be booked online. Staying in national parks within cabins, tents, or RVs can be cheaper travel option, for the adventurous traveler. Those planning to visit frequently or stay for an extended period can purchase a park pass to cut costs.


Cheap Travel


Memberships in different organizations can give you the best deals in all aspects of traveling, be it airfare or lodging. Do not hesitate to buy the expensive entertainment book your kids might have suggested to you. Though a bit costly they offer a variety of discounts and coupons, which you can avail the next time you are traveling. Starting from airplane flights to hotels to rental cars, they have a wide variety of discounts. Plan and use your resources to try out a discounted holiday, which is low on budget but high on entertainment value.


An overview of heart disease

Heart disease is one of the leading causes of death in most developed countries around the world, and the number of cases is rising constantly as a result of both modern lifestyles and increased overall longevity. While developing the condition can have a devastating impact on the sufferer's life, modern medicine has developed several effective treatments for heart disease, ranging from drugs and lifestyle improvements right through to surgery.


Of course, prevention is always better than cure, so before we look at some of the symptoms of cardiac disease we'll look at some of the ways you can help your body ward off the risks.


Living a healthy lifestyle can go a long way to reducing the chances of developing cardiac problems, but there is unfortunately an element of inherited risk, so even those with excellent overall health may find that they're genetically programmed towards heart disease in later life. Thankfully, the greatest influence genetics has on heart disease is that of making us more susceptible to certain causes, and with careful adjustments of our lifestyles we can greatly improve our prospects of avoiding it.


The two most deadly contributors to cardiac problems are smoking and obesity. Both of these can raise blood pressure to dangerous levels, putting extra strain on the heart. Smoking causes the build up of fatty deposits within the arteries, also causing circulation problems. Being overweight also tends to mean that a healthy diet is not being followed, and so the body may well be short of essential minerals and nutriments that the heart needs to keep on functioning healthily.


Stopping smoking and other unhealthy practices such as excessive drinking, along with improving diet and taking up exercise to reduce weight can go a long way towards averting problems.


The symptoms of a developing heart problem can be both subtle and dramatic. Unfortunately, many of the symptoms can also signify other less dangerous conditions, and so a diagnosis of heart disease is often made later than it could have been. If you come across more than one of the symptoms below, then a trip to your doctor is highly advisable.


Breathlessness when engaged in physical exercise is normal to some extent for almost everyone, but if you find you're becoming breathless more and more easily then this is a clear sign that your general fitness levels aren't all they could be, and that your heart may be struggling under the pressure.


Palpitations, that is a heavily or unevenly beating heart, can be a sign of anxiety or can come on after extreme exercise, but if neither of these situations apply then heart problems could well be the culprit.


A tingling feeling in bodily extremities such as fingers, toes or lips is often a sign that your cirulation system isn't delivering enough oxygen, again a sign of possible heart problems. Should your extremeities go on to develop a blueish colour then this is certainly not a good sign, and medical attention should be sought at once.


The final and most obvious sign of cardiac problems is a feeling of tightness or pain in the chest, a condition known as angina. If you feel chest pain with any regularity, even if not particularly severely, a medical check up is advisable to make sure you catch any problems as early as possible. Angina can be controlled very well by medication in many cases, and doesn't necessarily have to develop into full-blown heart disease.


In summary, living a healthy lifestyle while keeping an eye out for the symptoms will greatly reduce the risk of your life being devastated by heart disease.


Thursday, September 15, 2016

Melbourne the cosmopolitan capital of australia

Ranked the world's most livable city along with Vancouver; Melbourne is a paradise for tourist all over the world, who flock here each year to experience everything this chameleon city has to offer.


As the capital of Australia's south-east state Victoria, Melbourne is often referred to the country's sporting and cultural centre. However this river side city has so much more to offer, including the latest fashion, a great variety of multicultural cuisine and a mix of modern and Victorian art.


Melbourne's trams, with their ornate Victorian designs are a symbol of the rich culture and art that is alive throughout the streets and alleys. The city celebrates a wide variety of annual cultural events, performing arts and architecture. The Art Centre shaped like a ballerina's tutu and lit up every night with thousands of different coloured lights, is the home of performing arts, hosting everything from the Australian Ballet Company, to various operas and plays. The adjacent National Gallery of Victoria continues this theme, running a mix of temporary and permanent exhibitions, with a large collection of both international and national works that explore every facet of the art world. However if the formal restraints of the high end of art and culture is not your thing, Melbourne is also considered to be Australia's live music capital, meaning you can go to any of the world class pubs and hear great live music from some of the city's most talented up and coming artists.


Like all Australians, sport is an institution in Melbourne. The jam packed sporting calender begins in January when the stars of international tennis compete in the grand slam Australia Open, where the atmosphere is magical and the weather is divine. The thrills continue at the Melbourne Cricket Ground or MCG, which hosts the very best in cricket during the summer and Australian rule football during the winter. As the home of the Australian football code, known as AFL, the MCG is mecca for lovers of football and cricket, with organized tours taking you inside the stadium's memorabilia filled halls and even onto the ground itself. Throughout the year you can also enjoy basketball, swimming, soccer and many other sports in Melbourne's specially designed sports precinct.


For lovers of couture and the latest fashion, Melbourne offers the best stores ranging from designer brands to vintage bargains. Melbourne Central, the cities largest shopping complex has over 300 stores sure to placate any shop-a-holic regardless of their personal style and budget. Whilst unlike the unique and modern architecture of Melbourne Central, the Queen Victoria Market is world famous for its great buys and earthy atmosphere. Here you get so much more than a shopping district, out in the open air the scene is vibrant and cosmopolitan, complete with performing buskers and a variety of produce and goods, making for a truly multicultural and unique affairs that has drawn tourists to this historic site for more than 125 years.


A truly diverse and multicultural city, dining in Melbourne is a treat with restaurants covering every nationality in the world. For fine dinning, Southgate is the place to be, offering unparalleled views of the splendid Yarra River and so many choices.


Enjoy a delicious meal at one of the award winning restaurants, a quick lunch at the less formal Riverside Food Court or a coffee and sweet at the numerous cafйs and bars.


In terms of multicultural restaurants the options are endless, try Italian food at the stylish Lygon Street, Carlton or Greek food in the very Mediterranean Russell street. But if you're looking for Chinese food, look no further than Melbourne's enchanting Chinatown. Brightly coloured Chinatown offers traditional laneway eateries that will transport you to lively streets of Beijing. More than just food Chinatown, serves up unique shops and stalls as well as Thai, Vietnamese, Malaysian and Japanese restaurants that are sure to tantalize the tastebuds.


With so much to offer it is impossible to squeeze Melbourne into one short article. This sophisticated city may be less than 200 years old and constantly changing but its vibrant energy never fails to excite and enthrall tourists. Impossible not to love, Melbourne's bustling atmosphere of luscious parks, top restaurants, great shops and rich culture cannot be explained, it has to be experienced.


More infos on Melbourne and Australian in italian language on ciao-australia. com


Wednesday, September 14, 2016

About unlimited domain hosting

When we look through hosting plan package, it will be very attractive. Offering features like unlimited domain hosting, unlimited subdomain, unlimited parked domain etc. And some hosting even offering unlimited storage space and unlimited bandwidth. But our discussion this time will focus on the unlimited domain and its current fact.


After you sign up to a unlimited domain hosting, and when you login to cpanel, you will find out that the statistic on the left hand side will shows 999 addon domains. Plus your primary domain, you are given 1000 domains to be exact.


Its in fact not unlimited, but is limited to 1000 domain name. And each time you adding a new domain name, you will have total less one… 998, 997, 996 and so on. The term unlimited is not so true, and there is limits to this. The same 1000 limit caps apply to unlimited subdomain and unlimited parked domain as well.


Since you can host 1000 domain/website in single shared hosting account, but should you do it? Definitely not adviced to. If you are hosted more than 20-30 websites, your sites are start to slowing down, and might already use up lots of server resource. Soon later you will hit the usage limits and receive warning from the hosting provider.


For static page with no database at the backend, certainly you can have lots of sites running. But for website like wordpress blog, its adviced to keep them below 10 websites per shared hosting account. And not to link them together, search engine like google don’t link links within same IP address.


If you want to know more about domain issues an fact, and learn host to transfer domain name to new hosting provider. Visit hostmonsterreview. org/hostmonster/hostmonster-domain this hostmonster review blog will give you the most details.


Tuesday, September 13, 2016

Freedom of choice in birth control

The 1960s brought about the feminist movement, also known as Women's Liberation, which effected many changes in the Western culture such as the increased awareness and activism related to women's suffrage, domestic violence, sexual harassment, equal employment opportunities, and reproductive rights.


During those times, a new birth control method promised to revolutionize a woman's sex life. While most women felt a new sense of control over their bodies, their careers, and future --- a great number of men also welcomed the idea of the Pill as it fostered a new attitude of sexual openness.


In spite of opposition from the religious sector, there are now a lot more options for both men and women when it comes to family planning. Today, more than 40 different configurations of the pill are already available, as well as other birth control methods to effectively prevent pregnancy. Women are presented with choices as to when and how they want to get pregnant, including other aspects of the reproductive cycle, menstrual pain, bleeding patterns, and even premenstrual syndrome (PMS).


Over the years, advances in contraception and birth control methods continue to take the center stage. Here's a look at some of the newest options and how they can work for you:


· Plan B – also known as the Morning-After Pill, its main purpose is for emergency contraception. Recently approved by the FDA for over-the-counter use in women aged 18 and older, Plan B is used after unprotected sex has occurred, say, you forgot to take the pill, or sex happened unexpectedly, or even when a condom got broken.


Plan B can be taken even if you are currently using other hormonal birth control methods or hormone replacement therapy. Used within 72 hours after unprotected intercourse, it will lower the chance of pregnancy by 89%. It does not cause abortion since Plan B will not work when you are pregnant. However, it shouldn't be used as a regular form of birth control.


· Implanon - an implanted form of progestin-only birth control method already approved by the FDA. It is a matchstick-sized rod implanted in a woman's upper arm, where it releases a slow but steady stream of synthetic progesterone for up to three years. This means effortless, round-the-clock protection from pregnancy. A similar device called Norplant entails the use of six rods that were implanted in a woman's arm. However, it resulted in problems including scarring and bleeding. In rare cases, major surgery and even plastic surgery became necessary to repair the damage to the skin. Norplant was eventually taken off the market.


· Seasonale - the first extended-use oral contraceptive that limits menstrual cycles to four per year. Using estrogen and progestin to prevent ovulation, active pills of Seasonale are used for 84 consecutive days, followed by one week of inactive pills, during which time you experience bleeding.


· Lybrel - the first continuous, low-dose oral contraceptive with no breaks and no periods. It provides the same low level of hormones everyday using estrogen and progestin to keep you from having your regular monthly period. Breakthrough bleeding and spotting is likely while taking Lybrel. However, for the majority of women, these effects usually decrease over time.


· Extended Hormone Oral Contraceptives – provide you with more days on hormones and shorter hormone-free intervals between cycles, these pills are said to reduce menstrual-related symptoms, including the severe form of PMS known as Pre-Menstrual Dysphoric Disorder (PMDD).


· Essure – similar to tubal ligation, it is an abdominal surgery that “ties” or otherwise blocks the fallopian tubes so egg and sperm cannot meet. The Essure procedure does the same thing, but without the need for an abdominal incision or general anesthesia. The process is irreversible and should never be used unless you are 100% certain you do not want to become pregnant in the future.


Though birth control methods have had opposition right from the start and even up to this time, their contribution to improve women's lives can never be undermined.


When early signs of menopause strike women

Signs of menopause could strike women with as early as in their late 30’s. And although the average onset of menopause would normally occur when a woman has reached 51 years, there are women of 40’s and 50’s who were already confronting early signs of menopause process.


Menopause signs – How do they afflict women?


Menopause occurs when the ovary of the woman has ceased functioning. Female hormones are the active glands when female body characteristics are developing. These hormones are sourced from the ovary. When the ovary has stopped functioning, this means that there will be no more hormones that could regulate the development of the body and as well as regulating menstrual cycle or pregnancy, thus, the onset of menopause - with which a gradual process of body transition would be experienced.


What are the early signs that a woman is entering her menopausal stage?


The very common sign that a woman is already undergoing the first phase of her menopause is when she is already experiencing irregularity in her menstruation cycle, without appearances of other medical reasons for this experience. It should not be confused, however, that women who have fluctuations with their hormone level production are undergoing menopausal transition. By medical definition, menopause process is attributed to the absence of menstrual cycle in 12 months period.


Before your last menstrual period, you will start experiencing the very first sign of menstruation transition: varying menstrual cycle lengths. This is called “perimenopause”. At this point, you will already be experiencing different early signs of menopausal symptoms. These signs could be distributed to your physical, psychological, and sexual aspects.


The fluctuation and falling of your hormone production may last for several years, depending on the ovarian function or activity that women may go through. Signs leading to menopause symptoms may procure intermittent changes in the woman’s daily and nightly activities.


The following signs are manifestations of menopausal symptoms:


Physical signs of your menopausal cycle are hot flashes, palpitations, insomnia, night sweats, headaches, and joint aches. These signs are often the results of your body’s temperature control.


Psychological signs, on the other hand, are the results of the hormonal changes, in which different levels of emotional stress are experienced. You may encounter mood swings, from irritability to anxiety; from the difficulty in concentrating or forgetfulness; and from the difficulty of coping to easy feeling of stress and pressured moments.


You will also experience a gradual change with your sexual habit. You may have discomforting moments during your intercourse. This is the cause of vaginal dryness – an occurrence because of low estrogen level. Your interest in sexual activities may gradually decrease.


After the last month of your menstruation period comes your “postmenopausal” stage. During this time, in which it encompasses all of the period after perimenopause, you will be experiencing severity of the discomfort you earlier have gone through. These can include urine infection (may lead to discomfort on your passing urine), frequent passing urine whether at daytime and nighttime, leakage of your urine, vaginal dryness and even itching or burning, and vaginal discharge.


As your estrogen level gets affected by the fall of collagen production, the protein needed in maintaining your skin, tendons, hair and nails, you may also see marking changes from those body parts. Skin dryness, hair thinning, and growth of unwanted hair may occur although some of these occurrences can be attributed to ageing.


The chronicles of narnia - the lion the witch and the wardrobe review

One of the great children's classics by C. S. Lewis, is brought to the screen in The Lion, the Witch and the Wardrobe. Set in wartime England, its plot has the four Pevensie children sent out of London for their safety. They end up in the country house of the eccentric Prof. Digory Kirke, and like all children removed from their usual source of fun and amusement, they're bored, bored, bored.


Then one day, Lucy begins poking into things, and one of them is the very odd wardrobe of the professor's. What she sees inside, is not the professor's clothes, but a world encased in snow. The others of course, don't believe her, since they haven't found anything half so interesting. But eventually they give in to their own curiosity, and all enter the wardrobe to find themselves transported to the world of Narnia, where an evil White Witch has created an eternal winter, that will never see a Christmas.


Meeting up with the kind and caring lion Aslan who rules the strange land, the children begin their trek towards defeating the witch. But along the way, one will fall behind and join the very forces of evil they are trying to defeat. Amongst the mysteries of talking animals, mythical creatures and magic spells, the children must free Narnia from the perilous cold, and one of their own, from dangers that could destroy them.


This movie was extremely engaging from beginning to end, even at a long 2 hour and 20 minute running time. Perhaps, it's because it was one of my favorite novels growing up, but the young actors were quite engaging and Tilda Swinton was superb as the White Witch.


Just one note of caution to parents: The movie was rated “Parental Guidance Suggested” and parents should be aware. The movie definitely has numerous violent scenes and it’s certainly not for little ones.


Director: Andrew Adamson


Producers: Perry Moore, Philip Steuer, Andrew Adamson


Starring: Tilda Swinton, James McAvoy, James Cosmo, Jim Broadbent, Elizabeth Hawthorne


Monday, September 12, 2016

Yugioh trading card game etiquette rules for respectful play

The Yugioh trading card game has grown in popularity, with avid players in countries across the world. Dedicated players everywhere are familiar with the specific and elaborate set of rules of etiquette that govern an official round of battle. The official guide to the Yugioh trading card game urges players to proceed with much decorum. Here is a brief guide to exercising maximum Yugioh etiquette.


Start with a Respectful Greeting


The official Yugioh rule book asks players to greet each other before beginning to battle. Opponents should give each other a friendly, firm handshake. Each player must shuffle his or her deck thoroughly. Players may also decide if they want to exchange decks with their opponent, and have them shuffle the deck as well. Once they have been shuffled, decks should be returned to their respective players. Each player must then play his or her deck face-down on the appropriate deck space of the game mat.


A Coin Toss Decides


The winner of a match is the first player to win two out of three duels. Players should flip a coin in order to decide who will begin the first duel. The player who wins the coin toss can decide to go first, or can choose to go second. After the first duel has been played, the loser of each subsequent duel decides whether to go first or second. If a battle ends in a tie, players should conduct another coin toss in order to decide who will go first.


Be Loud and Clear


The Yugioh rulebook stresses that each player must always declare each move in a loud and clear voice before conducting any move.


Fusion Monster Cards


Fusion Monster cards are special cards that have an etiquette all their own. A deck of Fusion Monster cards is created in the course of a battle by combining two or more monsters. A player can “fuse” two cards together with the use of the “Polymerization” Spell card, thereby created a new, more powerful monster out of the two discarded Monster cards. Each Fusion Monster card details what two normal Monster cards must be used to create that specific Fusion Monster.


Also, unlike most cards, Fusion Monster cards are not included in the 40 card minimum of the Dueling Deck. Players who use Fusion Monster cards must always place the cards face-down on the appropriate space (the Fusion Deck Zone) on the Yugioh game mat.


Side Deck Cards


Players in order to modify and improve their primary Dueling Deck use side Deck cards. The Side Deck must contain exactly 15 cards. Cards from the Side Deck can be exchanged for cards in the Dueling Deck, as long as the number of cards in the Dueling Deck remains the same. Proper Yugioh etiquette requires that you count out the cards in your Side Deck so that your opponent(s) can see that you are only playing with 15 cards. Side Deck cards must always be counted face-down so as not to reveal their identity. Every time players exchange cards from their primary Dueling Deck with those in their Side Deck, he or she must re-count the cards in their Side Deck to ensure they are only playing with 15.


Graveyard Cards


According to the Yugioh rulebook, players must always be honest about the content of their Graveyard. The Graveyard consists of any discarded cards. These cards must always be kept face-up. They are public knowledge, and must never be kept hidden or obscured from other players.


Female health sleep patterns

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According to recent surveys, around 35% of the female population is suffering from insomnia and disturbed sleep. Night sweating, headaches, fatigue, tiredness are slowly becoming a daily feature of a woman’s life. Are you one of them, who have started loosing their sound sleep and is lying awake even longer than before? If this type of sleeping disorder persists, then it’s time you should consult your doctor.



Your body needs around 6 to 7 hors of sleep daily. But some people can do without it too! Some woman sleep for just 4 to 5 hours and stay healthy, while some may take 10 hours daily to counter the same level of stress. Well, the actual amount of sleep is an individual matter. A sleep deficit of only a few hours can result in irritability, fatigue, trouble with concentration, and our ability to stay alert. Additionally, insomnia is usually a symptom of an underlying problem, such as a psychological or physiological reason, diet, or it may be due to a sedentary lifestyle.


Here are some key points that a woman must take to ensure proper sleep patterns:



    1. Avoid going to bed either too hungry or too full.

    2. Stop smoking, caffeine, alcohol and other similar drugs.

    3. Keep regular patterns of sleep and rest during day as well as night, so it does not disturbs your biological clock.

    4. Make arrangements for a good comfortable pillow and mattresses. Keep the environment of your room neat & clean.

    5. Make exercise a part of your daily routine. Being fit helps make you resistant to stresses that can work to keep you awake at night and research shows that when people are active, they tend to rest better.


Incomplete sleep patterns can be very frustrating for women at times leading to depression of moods and depreciation of health. What makes this all so bad is that many forms of depression are natural, normal and temporary.. Likewise they can be relieved through safe, gradual methods using your body’s natural mechanisms.


As with other symptoms of imbalance, depression is your body’s way of sending you a signal that something is awry. Some advice to take antidepressants in this case, but it is not that advisable. Because they don’t address the underlying problem; they drown it. Therefore the best solution to all these insomnia problems is maintaining a good diet and a healthy routine.


Sunday, September 11, 2016

Information can be a very big money spinner on the internet

Title: Information Assets


Robert Kiyoski (author of the Rich Dad Poor Dad series) explains what differentiates rich and poor people. He explains that rich people accumulate assets. His definition of an asset is something that produces income.


Information products are virtually free to create. By Sitting in front of your computer transferring your knowledge and ideas to words in a word processing program you can produce an information product. This can be done in a matter of days or hours. Traditional products can take months or years to create. Once you know the process of creating an information product it can be done again and again. Once the information product be it an ebook, an audio product or video is uploaded to a hosting account it becomes an asset that you own.


An asset is something that produces income. The information product can be purchased in unlimited numbers from the website it is stored on. The product can be purchased 24 hours a day 365 days a year. You can make money even while you sleep! Other businesses must produce additional stock once products are sold. Your website with information product loaded has infinite inventory because the product can be continually downloaded. It is an asset that can continually produce income with much lower costs compared to traditional businesses.


Once the first product is produced additional content in the form of new ebooks, courses or other information products will see increased sales. It is a general principle that increased content equals increased sales. Sometimes adding new content will not increase sales or even reduce sales. Because the product is online this can be quickly modified and changed. Adding new content can be as can as simple as modifying a sales page or adding content to existing product. By adding content you are increasing the amount of assets you control.


We are in the information age. Internet marketing is the most exciting opportunity in the history of entrepreneurship. Information can be developed into a tremendous asset producing income for you. As you add content by creating new products or additional content on existing products you increase the size of your assets. The opportunity is enormous. Action + Passion are the keys to success!


Friday, September 9, 2016

Types of hair loss treatment available to sufferers

The hair loss treatments outlined here cannot provide definitive cures for all hair loss conditions, but they do represent regimes that many sufferers have found useful. In other words, they are examples of potential solutions that many patients have chosen after honestly assessing the causes of their hair loss together with their expectations.


This article will focus on four basic approaches:


1. A drugs based approach for those who don't mind taking strong medications.


2. A commercial product approach for those who prefer a non-drug solution but who still want a treatment that has a track record.


3. A natural remedy approach for those who prefer to follow the natural route.


4. A nutritional approach for those who wish to adopt a more holistic perspective.


It remains a fact that only two hair loss treatments have been approved by the FDA and both can be classed as strong drug-based medications. Propecia (finasteride) is the treatment of choice for many men with good reason - it tends to work! It is a powerful drug that inhibits the formation of DHT in the system, eventually to a level that is sufficiently low to encourage a normal growth cycle. Rogaine (minoxidil) acts differently in that it stimulates hair growth in both men and women by overriding the prevailing hair loss symptoms. These drugs can be used either on their own or in combination. Women should seek professional medical advice before using Propecia.


The world of commercial hair loss products is much less clear cut and it is here that many scamsters ply their trade to rip-off unsuspecting customers. The best advice I can give here is research, research, and more research! Many useful products are available on the market but none have been approved by the FDA. Probably the best, and certainly most popular, commercially available products are those containing natural ingredients that have been shown in field trials to reduce hair loss and encourage regrowth. You can find out more about these products by visiting the site listed at the end of this article.


Increasingly, people are turning to natural hair loss remedies as they seek to combat thinning hair. This has an obvious appeal for many sufferers and there is growing evidence to support the view that some natural remedies may be effective in curtailing hair loss. The most popular ingredients of natural hair loss treatments include ginko biloba, green tea, he shou wu, pygeum, saw palmetto and stinging nettle. Each of these is described in more detail in an supplementary article entitled "Herbal Remedies That Offer Hope".


It is becoming increasingly evident that poor nutrition and modern lifestyles can have a negative impact on health, and hair loss is no exception. At the most basic level, improved nutrition can minimize shedding and support other treatments that encourage regrowth. This can be achieved by:


- eating adequate amounts of protein.


- eating appropriate levels of useful carbohydrates.


- achieving a healthy balance of dietary fats.


How to handle auto claims efficiently

An accident can take seconds to occur but overseeing the entire claims repair process may take days. Traditionally, drivers have been responsible for reporting the claim, arranging for the rental car, getting estimates on the repair work, checking with the shop to see when the work will be done, inspecting the car, picking up the car and returning the rental car.


Fortunately, this does not have to be the case and that's why it's a smart idea to investigate car insurance companies carefully.


For example, The Progressive Group of Insurance Companies offers drivers an accident claims repair process that takes only minutes-not days-of their time. Here's how the process works:


• The customer calls to report a claim at any time of the day or night and brings the vehicle to a specially designed service center.


• In about 15 minutes, the customer is in a rental car, if needed, with the assurance that the company will update the status of his or her claim.


• A claims representative prepares a repair estimate and contacts an auto body shop that has met strict quality requirements. The insurance company and the shop reach agreement on the cost of the repairs; the shop transports the vehicle back to the facility and the repair process begins.


• When the work is finished, the vehicle is returned to the service center where representatives from the insurance company and the body shop inspect the quality of repairs.


• Once the insurance company is satisfied with the repairs, the customer is called to schedule a pickup. Repairs are inspected and the customer drives off with a written document, saying that the repair facility and the insurance company guarantee the repairs for as long as the customer owns the vehicle.


Progressive has 25 Claims Service Centers open and plans to open 50 more sites across the country over the next few years.


Thursday, September 8, 2016

How to cook a turkey

The most important thing to keep in mind is that a turkey takes a long while to cook through to the bone...and keeps on cooking once you remove it from the oven. Make sure to bake, braise or roast the bird at a high enough temperature to keep it safe to eat and don't overcook it. Don't leave your turkey in the oven to keep it warm while you get the rest of the dinner ready to serve. Take it out as soon as it's done, let it cool outside the oven for about 20 minutes and then carve away. You'll see the difference immediately when a turkey is prepared properly: the dark meat soft enough to break apart with a fork - the white meat moist and tasty. The secret is all in knowing how to buy and cook a delicious turkey! We're here to help you learn how to cook a turkey.


How big a turkey should you buy? You'll need at least 1 to 1Ѕ pounds of turkey per person if you're buying the whole bird, fresh or frozen. Of course, it's always best to go bigger. (After all, there are at least 50 ways to serve your turkey leftovers, including a winter store of turkey soup.) How long to cook? Preheat the oven to 325°F (160°C) then place the bird in the oven to roast.


A thought to consider--Great chefs suggest trying out your skills with a smaller bird before attempting to produce a holiday masterpiece. Like any other skill, perfecting a turkey recipe takes practice. Very few cooks can claim that their first turkey was perfect...but with every attempt you get more comfortable with what you're doing and the results keep getting better.


Simple steps how to cook a turkey:


Allow about 15 minutes of cooking time per pound - about 45 minutes per kilo unstuffed. It will take a bit longer, about 20 minutes per pound or an hour per kilo, if the bird is cooked with stuffing.


1. Preheat oven to 325. Remove the wrapper to see how much the turkey weighs and determine approximate cooking time. Remove the giblet bag and the neck from the turkey cavity. Wash the turkey inside and out and pat skin dry with paper towels.


2. Place turkey breast side up on a rack in a shallow (about 2 inches deep) roasting pan. Insert meat thermometer in thigh. Add 1/2 cup water to the bottom of pan, if desired.


3. Cover turkey loosely with a tent of heavy-duty aluminum foil. Roast the turkey until temperature in the thickest part of the thigh reaches 180°F. Cooking time will vary. For example, a 20 pound turkey will take 4 1/4 to 5 hours to cook, check the temperature on the thermometer after 4 1/4 hours.


4. Meanwhile, mix the stuffing or dressing. Place in a casserole and pop it into the oven during the last hour or so of roasting time.


5. Remove the foil tent after 1 to 1 1/2 hours of cooking time to brown the skin. Brush with vegetable oil to enhance browning, if desired.


6. A whole turkey is done when the temperature reaches 180°F. The thigh juices should run clear (not pink) when pierced with a fork and the leg joint should move freely.


7. Allow the turkey to set 20 to 30 minutes before carving to allow juices to saturate the meat evenly.


Note: Cooking times do vary. Why? There are many reasons - oven temperature may not be completely accurate, the turkey may be very cold or partially frozen, and/or the roasting pan may be too small which inhibits the flow of heat. The USDA highly recommends use of a meat thermometer to determine doneness of turkey. This is an important tool in learning how to cook a turkey.


Stuffed Turkey:


For uniform cooking results, the USDA recommends cooking the stuffing outside of the bird (see step 4 above) If you insist on stuffing the turkey, stuff loosely and follow the steps below.


1. See step one above


2. Mix stuffing and lightly fill cavity. Allow 1/2 to 3/4 cup stuffing per pound of turkey. It is safer to understuff than to overstuff the turkey. Stuffing expands during cooking. Refrigerate any leftover stuffing and bake in greased casserole during the last hour of turkey roasting time.


3. Place turkey breast side up on a rack in a shallow (about 2 inches deep) roasting pan. Insert meat thermometer in thigh (see Turkey Safety: Using a Thermometer). Add up to 1/2 cup water to the bottom of the pan, if desired.


4. Cover turkey loosely with a tent of heavy-duty aluminum foil. Cooking time takes longer for a stuffed turkey. For example, a 20 pound stuffed turkey will take 4 1/4 to 5 1/2 hours to cook.


5. Remove the foil cover after about 1 to 1 1/2 hours of cooking to brown the skin. Brush with vegetable oil to enhance browning, if desired.


6. A whole turkey is done when the temperature in the thickest part of the inner thigh reaches 180°F and the stuffing is 165°F. The juices should run clear (not pink) when a long-tined fork is used to pierce the thickest part of the thigh.


7. Check the internal temperature of the stuffing. Insert the thermometer through the cavity into the thickest part of the stuffing and leave it for 5 minutes. Or use an instant red thermometer which will register the temperature after 15 seconds. The stuffing temperature will rise a few degrees after the turkey is removed from the oven. If the center of the stuffing has not reached 165°F after stand time, return the turkey to the oven and continue cooking.


Money in a whole new avatar

Money has inspired many songs and innumerable statements. “Money makes the world go round.” “Money talks.” “It’s all about the money.” Money does play a very integral role in our day-to-day lives. Think about our three basic necessities of food, clothing, and shelter, and you know that there is a fourth basic necessity which precedes these three. And that, my friend, is money. We may abuse it. We may associate it with criminal activities. We may call it the curse of modern life. But, whatever we may say, the fact remains that we cannot live without money.


Money has undergone many changes. It displaced the barter system in the ancient times. Then currency took over to provide for the many transactions that had to take place. We have changed a great deal from the days of metal currency in gold, silver, bronze, and copper. The coins of today are not pure metal; they are made of cheap alloys. The currency these days consists of paper that costs a lot less than its face value. Slowly, this paper currency is being subordinated to the power of plastic. Credit cards have staked their hold on the world economy. They are rapidly gaining in popularity and are quickly becoming the new face of money.


The days of worrying about carrying large stashes of cash in flimsy briefcases are gone. With the virtual world taking over our twenty-first century reality, even money is becoming a virtual entity. People today, no longer feel the compulsion to have tangible forms of money. Just the knowledge that that rectangular piece of plastic is comfortably seated in our wallets is assurance enough. Earlier on, people were hesitant to avail of credit cards because of the feeling of being indebted. However, these days, with the rise of things like cash back credit cards and 0% balance transfers, people have gained a new perspective on credit cards.


It is no wonder that credit cards are slowly taking over from the paper currency that had been the standard till very recently. With living standards rising globally, and with the rising demand for instant gratification, people have begun to flock to credit card companies. It is rapidly becoming the rule to roam around with multiple credit cards while most of our cash remains in the banks.


Is paper currency becoming obsolete? Perhaps. After all, online transactions are much in vogue today. And it is not yet possible to pay for these transactions by using paper money. Credit cards have become the need of the day.


Single-serving technology will transform your income

Working a home-based business the offers quality products can be a very rewarding experience. Having the ability to earn a significant income offering a quality product, is a wonderful opportunity if you get involved with the right company. Taking the time to evaluate potential companies, products and pay-plans, is essential to building a long-term home business.


I have been a top-earner with a home-based Network Marketing company. The reason is - I found a product that was effective, and people really liked. Residual sales would continue to come in, therefore, I was awarded a great residual income. It enabled me to really build a huge income, simply by increasing the number of people who got their initial order. Since people loved the product - giving out samples became a good strategy in getting people to try the product.


The difficulty in giving out samples, is the expense of handing out 32 ounce bottles (a common size of Liquid Nutritional products). Most first-time business builders do not have the investment money to buy a lot of product to give away - especially if the size of the product is in 32 ounce containers. An obvious solution would be for companies to develop smaller sizes to hand out as samples.


The obvious solution to the distributor, is not necessarily an economical solution for the Company. The production cost of putting out sample bottles, might not be economically feasible if the product assembly line is geared only toward mass-production of larger containers. Adding another size to the production, might not work for some companies.


Fortunately, I found a solution when I joined a company that offered single-serve technology as their product line. The company was smart enought to invest money in production of single serve bottles, rather than expensive fancy bottles. An excellent benefit to this type of production model, is that I have an inexpensive sample pack that I can give out to people. They can try the product and immediately determine whether they are interested in purchasing. Every time that I've given out product so far - I get a new customer. You can't find an easier way to build your business face-to-face.


I have often wondered why a company put so much money in the look of a fancy bottle, and took the value away from the product itself. I'd rather have a less-significant container, and more benefit from the product itself. With gogoforlife that's exactly what you get - Top quality products, in single serve containers - that people absolutely LOVE. Another great benefit is... residual home-income checks continue to rise, because the re-order rate is high and the distributors that I have recruited continue to drive sales by purchasing additional product to hand out as samples. A WIN, WIN, WIN opportunity.


Single-serve technology will change the Home-business industry. The companies that are leading the way will benefit the most. Home-based entrepreneurs that are smart enough to get involved now will reap residual benefits for years to come.


Wednesday, September 7, 2016

Money laundering in a changed world

If you shop with a major bank, chances are that all the transactions in your account are scrutinized by AML (Anti Money Laundering) software. Billions of dollars are being invested in these applications. They are supposed to track suspicious transfers, deposits, and withdrawals based on overall statistical patterns. Bank directors, exposed, under the Patriot Act, to personal liability for money laundering in their establishments, swear by it as a legal shield and the holy grail of the on-going war against financial crime and the finances of terrorism.


Quoted in Wired. com, Neil Katkov of Celent Communications, pegs future investments in compliance-related activities and products by American banks alone at close to $15 billion in the next 3 years (2005-2008). The United State's Treasury Department's Financial Crimes Enforcement Network (finCEN) received c. 15 million reports in each of the years 2003 and 2004.


But this is a drop in the seething ocean of illicit financial transactions, sometimes egged on and abetted even by the very Western governments ostensibly dead set against them.


Israel has always turned a blind eye to the origin of funds deposited by Jews from South Africa to Russia. In Britain it is perfectly legal to hide the true ownership of a company. Underpaid Asian bank clerks on immigrant work permits in the Gulf states rarely require identity documents from the mysterious and well-connected owners of multi-million dollar deposits.


Hawaladars continue plying their paperless and trust-based trade - the transfer of billions of US dollars around the world. American and Swiss banks collaborate with dubious correspondent banks in off shore centres. Multinationals shift money through tax free territories in what is euphemistically known as "tax planning". Internet gambling outfits and casinos serve as fronts for narco-dollars. British Bureaux de Change launder up to 2.6 billion British pounds annually.


The 500 Euro note makes it much easier to smuggle cash out of Europe. A French parliamentary committee accused the City of London of being a money laundering haven in a 400 page report. Intelligence services cover the tracks of covert operations by opening accounts in obscure tax havens, from Cyprus to Nauru. Money laundering, its venues and techniques, are an integral part of the economic fabric of the world. Business as usual?


Not really. In retrospect, as far as money laundering goes, September 11 may be perceived as a watershed as important as the precipitous collapse of communism in 1989. Both events have forever altered the patterns of the global flows of illicit capital.


What is Money Laundering?


Strictly speaking, money laundering is the age-old process of disguising the illegal origin and criminal nature of funds (obtained in sanctions-busting arms sales, smuggling, trafficking in humans, organized crime, drug trafficking, prostitution rings, embezzlement, insider trading, bribery, and computer fraud) by moving them untraceably and investing them in legitimate businesses, securities, or bank deposits. But this narrow definition masks the fact that the bulk of money laundered is the result of tax evasion, tax avoidance, and outright tax fraud, such as the "VAT carousel scheme" in the EU (moving goods among businesses in various jurisdictions to capitalize on differences in VAT rates). Tax-related laundering nets between 10-20 billion US dollars annually from France and Russia alone. The confluence of criminal and tax averse funds in money laundering networks serves to obscure the sources of both.


The Scale of the Problem


According to a 1996 IMF estimate, money laundered annually amounts to 2-5% of world GDP (between 800 billion and 2 trillion US dollars in today's terms). The lower figure is considerably larger than an average European economy, such as Spain's.


The System


It is important to realize that money laundering takes place within the banking system. Big amounts of cash are spread among numerous accounts (sometimes in free economic zones, financial off shore centers, and tax havens), converted to bearer financial instruments (money orders, bonds), or placed with trusts and charities. The money is then transferred to other locations, sometimes as bogus payments for "goods and services" against fake or inflated invoices issued by holding companies owned by lawyers or accountants on behalf of unnamed beneficiaries. The transferred funds are re-assembled in their destination and often "shipped" back to the point of origin under a new identity. The laundered funds are then invested in the legitimate economy. It is a simple procedure - yet an effective one. It results in either no paper trail - or too much of it. The accounts are invariably liquidated and all traces erased.


Why is It a Problem?


Criminal and tax evading funds are idle and non-productive. Their injection, however surreptitiously, into the economy transforms them into a productive (and cheap) source of capital. Why is this negative?


Because it corrupts government officials, banks and their officers, contaminates legal sectors of the economy, crowds out legitimate and foreign capital, makes money supply unpredictable and uncontrollable, and increases cross-border capital movements, thereby enhancing the volatility of exchange rates.


A multilateral, co-ordinated, effort (exchange of information, uniform laws, extra-territorial legal powers) is required to counter the international dimensions of money laundering. Many countries opt in because money laundering has also become a domestic political and economic concern. The United Nations, the Bank for International Settlements, the OECD's FATF (Financial Action Task Force), the EU, the Council of Europe, the Organisation of American States, all published anti-money laundering standards. Regional groupings were formed (or are being established) in the Caribbean, Asia, Europe, southern Africa, western Africa, and Latin America.


Money Laundering in the Wake of the September 11 Attacks


Regulation


The least important trend is the tightening of financial regulations and the establishment or enhancement of compulsory (as opposed to industry or voluntary) regulatory and enforcement agencies.


New legislation in the US which amounts to extending the powers of the CIA domestically and of the DOJ extra-territorially, was rather xenophobically described by a DOJ official, Michael Chertoff, as intended to "make sure the American banking system does not become a haven for foreign corrupt leaders or other kinds of foreign organized criminals."


Privacy and bank secrecy laws have been watered down. Collaboration with off shore "shell" banks has been banned. Business with clients of correspondent banks was curtailed. Banks were effectively transformed into law enforcement agencies, responsible to verify both the identities of their (foreign) clients and the source and origin of their funds. Cash transactions were partly criminalized. And the securities and currency trading industry, insurance companies, and money transfer services are subjected to growing scrutiny as a conduit for "dirty cash".


Still, such legislation is highly ineffective. The American Bankers' Association puts the cost of compliance with the laxer anti-money-laundering laws in force in 1998 at 10 billion US dollars - or more than 10 million US dollars per obtained conviction. Even when the system does work, critical alerts drown in the torrent of reports mandated by the regulations. One bank actually reported a suspicious transaction in the account of one of the September 11 hijackers - only to be ignored.


The Treasury Department established Operation Green Quest, an investigative team charged with monitoring charities, NGO's, credit card fraud, cash smuggling, counterfeiting, and the Hawala networks. This is not without precedent. Previous teams tackled drug money, the biggest money laundering venue ever, BCCI (Bank of Credit and Commerce International), and ... Al Capone. The more veteran, New-York based, El-Dorado anti money laundering Task Force (established in 1992) will lend a hand and share information.


More than 150 countries promised to co-operate with the US in its fight against the financing of terrorism - 81 of which (including the Bahamas, Argentina, Kuwait, Indonesia, Pakistan, Switzerland, and the EU) actually froze assets of suspicious individuals, suspected charities, and dubious firms, or passed new anti money laundering laws and stricter regulations (the Philippines, the UK, Germany).


A EU directive now forces lawyers to disclose incriminating information about their clients' money laundering activities. Pakistan initiated a "loyalty scheme", awarding expatriates who prefer official bank channels to the much maligned (but cheaper and more efficient) Hawala, with extra baggage allowance and special treatment in airports.


The magnitude of this international collaboration is unprecedented. But this burst of solidarity may yet fade. China, for instance, refuses to chime in. As a result, the statement issued by APEC in November 2001 on measures to stem the finances of terrorism was lukewarm at best. And, protestations of close collaboration to the contrary, Saudi Arabia has done nothing to combat money laundering "Islamic charities" (of which it is proud) on its territory.


Still, a universal code is emerging, based on the work of the OECD's FATF (Financial Action Task Force) since 1989 (its famous "40 recommendations") and on the relevant UN conventions. All countries are expected by the West, on pain of possible sanctions, to adopt a uniform legal platform (including reporting on suspicious transactions and freezing assets) and to apply it to all types of financial intermediaries, not only to banks. This is likely to result in...


The Decline of off Shore Financial Centres and Tax Havens


By far the most important outcome of this new-fangled juridical homogeneity is the acceleration of the decline of off shore financial and banking centres and tax havens. The distinction between off-shore and on-shore will vanish. Of the FATF's "name and shame" blacklist of 19 "black holes" (poorly regulated territories, including Israel, Indonesia, and Russia) - 11 have substantially revamped their banking laws and financial regulators.


Coupled with the tightening of US, UK, and EU laws and the wider interpretation of money laundering to include political corruption, bribery, and embezzlement - this would make life a lot more difficult for venal politicians and major tax evaders. The likes of Sani Abacha (late President of Nigeria), Ferdinand Marcos (late President of the Philippines), Vladimiro Montesinos (former, now standing trial, chief of the intelligence services of Peru), or Raul Salinas (the brother of Mexico's President) - would have found it impossible to loot their countries to the same disgraceful extent in today's financial environment. And Osama bin Laden would not have been able to wire funds to US accounts from the Sudanese Al Shamal Bank, the "correspondent" of 33 American banks.


Quo Vadis, Money Laundering?


Crime is resilient and fast adapting to new realities. Organized crime is in the process of establishing an alternative banking system, only tangentially connected to the West's, in the fringes, and by proxy. This is done by purchasing defunct banks or banking licences in territories with lax regulation, cash economies, corrupt politicians, no tax collection, but reasonable infrastructure.


The countries of Eastern Europe - Yugoslavia (Montenegro and Serbia), Macedonia, Ukraine, Moldova, Belarus, Albania, to mention a few - are natural targets. In some cases, organized crime is so all-pervasive and local politicians so corrupt that the distinction between criminal and politician is spurious.


Gradually, money laundering rings move their operations to these new, accommodating territories. The laundered funds are used to purchase assets in intentionally botched privatizations, real estate, existing businesses, and to finance trading operations. The wasteland that is Eastern Europe craves private capital and no questions are asked by investor and recipient alike.


The next frontier is cyberspace. Internet banking, Internet gambling, day trading, foreign exchange cyber transactions, e-cash, e-commerce, fictitious invoicing of the launderer's genuine credit cards - hold the promise of the future. Impossible to track and monitor, ex-territorial, totally digital, amenable to identity theft and fake identities - this is the ideal vehicle for money launderers. This nascent platform is way too small to accommodate the enormous amounts of cash laundered daily - but in ten years time, it may. The problem is likely to be exacerbated by the introduction of smart cards, electronic purses, and payment-enabled mobile phones.


In its "Report on Money Laundering Typologies" (February 2001) the FATF was able to document concrete and suspected abuses of online banking, Internet casinos, and web-based financial services. It is difficult to identify a customer and to get to know it in cyberspace, was the alarming conclusion. It is equally complicated to establish jurisdiction.


Many capable professionals - stockbrokers, lawyers, accountants, traders, insurance brokers, real estate agents, sellers of high value items such as gold, diamonds, and art - are employed or co-opted by money laundering operations. Money launderers are likely to make increased use of global, around the clock, trading in foreign currencies and derivatives. These provide instantaneous transfer of funds and no audit trail.


The underlying securities involved are susceptible to market manipulation and fraud. Complex insurance policies (with the "wrong" beneficiaries), and the securitization of receivables, leasing contracts, mortgages, and low grade bonds are already used in money laundering schemes. In general, money laundering goes well with risk arbitraging financial instruments.


Trust-based, globe-spanning, money transfer systems based on authentication codes and generations of commercial relationships cemented in honour and blood - are another wave of the future. The Hawala and Chinese networks in Asia, the Black Market Peso Exchange (BMPE) in Latin America, other evolving courier systems in Eastern Europe (mainly in Russia, Ukraine, and Albania) and in Western Europe (mainly in France and Spain).


In conjunction with encrypted e-mail and web anonymizers, these networks are virtually impenetrable. As emigration increases, diasporas established, and transport and telecommunications become ubiquitous, "ethnic banking" along the tradition of the Lombards and the Jews in medieval Europe may become the the preferred venue of money laundering. September 11 may have retarded world civilization in more than one way.