Having been to every city in the country over the population of 10,000 in the last four years I have been noticing a trend. I have seen Multi-Level Marketing folks hard selling their business opportunities in public presentations. Listening to these sales pitches in nearly every coffee shop I have step foot and stayed for more than one hour; it is now obvious to me that these MLM people are making at least 25,000 to 40,000 of these presentations per day in public places. This estimate includes presentations being made at college campus dorms and at dinner tables at private homes and residences. During these meetings these MLM sales people say things like they are doing ‘Private Franchising’, never mentioning the words; Multi-Level Marketing, which many consumers are onto now. Instead they use the more well respected name of “Franchising” but franchising is a legal definition and is nothing close to what they are peddling.
The Federal Trade Commission is not planning on doing anything about this abuse of their definitions or unfair business practices. Are these MLM Business Opportunity people too small to go after to raise fees for the agency and therefore not worthy of ROI for the Federal Trade Commission? It appears this is the case and the Multi-level marketers are free to commit borderline fraud. Which begs the question if a business is too large with big gun Washington based attorneys then it is not going to be a target, because the Federal Trade Commission most likely cannot win and if the business is too small then the Federal Trade Commission will not go after them since there is nothing in it for them?
So it is safe to say that if you are below the radar screen, the Federal Trade Commission does not care and if you are fortune 500 you are okay with the Federal Trade Commission because you have political clout? So even though fraud real fraud occurs 25,000 to 40,000 times a day, it is all right because the individuals perpetuating the fraud are too small, because they have no money to pay fines and because they probably do not understand the laws?
Nothing is being done on this issue so for now the MLM sales people are free to use this tactic to mislead their potential down line and ride high on the reputation of the large franchising corporations of our Nation. Think about it.
If you have always wanted a big church wedding in your home church, choosing a venue for your wedding ceremony is not difficult. For the rest of us, picking the place to exchange our vows is more difficult.
Brides and Grooms who are not members of a particular church but who want a church wedding need to start early to find an available sanctuary that meets their needs. There are many things to consider when selecting a church.
The first thing to do is get started right away. Churches give priority to their members, so if you want to secure a spot, reserve early.
Next, you will want to find a church that has a sanctuary or chapel that will comfortably host your prospective number of guests without leaving a lot of pews empty.
When you have found one or more churches that meet your space requirements, find out what their policy on decoration is. Believe it or not, there are churches that will not let you decorate at all while others allow only limited enhancement to the church. Also check out what the general church décor is to make sure that the forest green pews won’t clash with your turquoise and purple color scheme.
Next, you’ll want to discover who officiates at the weddings. You may want a pastor at the church to officiate or you may want to bring in someone you know to do the honors. Central Christian Church in San Antonio, TX is happy to rent their facilities to area couples needing a venue for their wedding, but they require that a pastor on their church staff officiate.
Which brings up another prerequisite some church venues have – premarital counseling. The aforementioned Central Christian Church requires that all couples who get married in their facility go through premarital classes at the church. They see offering their location as a venue for non members as an outreach ministry.
Those who want a venue other than a church have many options.
You may be considering an outdoor wedding such as one held at a park or on the beach. If it is a public space, you’ll want to contact the city, county, or state commission that oversees the space for reservation options. If it’s private land, you’ll have to contact the owner. Keep in mind that you should have a back up option in case of inclimate weather.
If you have friends or relatives with a big home or garden, a private wedding for a small number of guests can be quite nice. You won’t have to worry about finishing before the next bridal party comes in. Keep in mind though, that someone is residing there before the wedding and they’ll have to live with any mess your guests make afterwards. Don’t let your wedding be the basis of any hard feelings.
Private wedding chapels are also an alternative. Often these chapels look like churches, but they’re owned by individuals not religious organizations.
Beautiful hotels can also be a great choice for people planning to get married. One of the benefits is that the ceremony and the reception can be held at the same place which eliminates travel for the guests. Out of town guests can even be put up at the same hotel, sometimes at a discount package price.
Where ever you hold your wedding, you want it to be a beautiful event. You’ll be happy you gave careful consideration to your decision when choosing a venue.
A mobile neighborhood watch patrol can be a positive contribution to the community. They are easy to start and we have a free E-Book to assist you. The most important first step in setting up the mobile neighborhood watch program is to design a proper mission statement that all volunteer members can live with. Here is a sample of a good mission statement to help launch the Neighborhood Mobile Watch Program that you will soon be setting up in your community.
To help our local police department by becoming the eyes and ears of the community. To establish a power of presence and thus increasing the visibility of our enforcement services. To establish a zone for criminals where the risk of being caught is too high for them to practice their profession. To unite the business community and Chamber of Commerce with the citizens and the local government. To be proactive in law enforcement. To empower people to remain in control of their communities. To lower crime rates and to keep property value high.
People who have jobs which require extensive travel through local communities (like delivery services, real estate agents, and utility companies) are often in positions which they may see crimes in action or suspicious behavior. Sometimes, just by being in a particular area at just the right time, they may even unknowingly act as a deterrent for criminal activity. The Neighborhood Mobile Watch program seeks to enhance a community’s crime prevention strategy by providing concerned citizens, whose professions require extensive driving, with proper training and signage materials to even further deter criminal activity.
Learning how to recognize suspicious behavior and knowing which local authorities to contact is one of the key components of the training. Just knowing the correct phone number, rather than dialing 911, can greatly reduce the amount of time it takes for the proper authorities to respond, and keeps 911 lines open for other emergencies. Another key component of the program is providing magnetic signs on business and service vehicles, and using static cling stickers on other vehicles which read: “We report suspicious behavior to our local police department.” This lets potential criminals know right away that they should not risk any illegal activity; a trained and aware crime watcher is in the area.
Each participant in the program attends a 30-minute seminar at the local Chamber of Commerce with a Community Relations Officer from the Police Department. They will receive a certificate and then be issued two magnetic signs or a set of static cling stickers for their car(s). We will ask participation from Chamber Members to start and as things prove to be effective we will increase participation and education of the process. We will alert the media to this program and give credit to the participants for helping our city or town. The participants will need some sort of two-way communication, such as a cellular phone, two-way radio with a dispatcher or wireless Internet access.
To download or view online our Free E-Book “How to Set Up a Successful Neighborhood Mobile Watch Program go to this web address below:
Buying a home remains the great American dream.
Buying a home is a great investment as long as you plan to live there for more than 5 years. For people new to the mortgage market, buying their first home starts with finding the best home loans.
All potential homeowners should take some time to research home loans before calling their local realtor. There are a dazzling array of choices available when it comes to home loans, and finding the right mortgage for your needs can be difficult. Approach your upcoming home purchase with the same seriousness you apply to other major purchases. Your home will most likely be the biggest single investment you ever make. Take the time at the beginning to educate yourself about home loans. It will be time well spent.
Home loans are available from a wide variety of sources. These sources include banks, savings and loan associations, credit unions and mortgage brokers. Shop around at all of these sources to find the home loans with the lowest interest rate and lowest costs.
You will also have to decide between fixed rate home loans and variable rate home loans. Variable rate home loans are often advertised with extremely low “teaser rates”. These rates are used by lenders to get your attention and lure you in.
Before signing up for a variable rate mortgage, make sure you find out what the interest rate cap is. Variable rate home loans are usually based on an underlying interest rate, like the prime rate. The interest rate you pay will typically be the prime rate plus or minus a certain percentage. The variable rate mortgage will have a cap above which the interest rate cannot rise. Find out what that cap is, then use a mortgage payment calculator to see what your monthly mortgage payment will be at that rate. If you cannot afford the monthly payments at the maximum interest rate, you may not want to take the mortgage loan. While it is unlikely that interest rates will rise sufficiently to make the maximum interest rate kick in, it is always a possibility.
Variable rate home loans can be a good choice if you believe interest rates are likely to fall. In an environment where interest rates are steady or rising, they may not be so good a choice. You may also want to consider a variable rate mortgage if you do not plan to stay in your home more than five years. For instance, if your job transfers you every couple of years, you could probably get away with a variable rate mortgage and take advantage of the lower interest rate. When you move and sell your home, you will probably realize a gain due to rising home prices.
On the other hand, fixed rate home loans have a set interest rate for a set period of time, generally either 15 or 30 years. The interest rate does not change, therefore you will always know what your monthly mortgage payment will be. You are protected from rising interest rates with a fixed rate mortgage. If rates fall significantly, you can always refinance your mortgage loan to take advantage of the lower rates.
If you can afford the payments, 15-year home loans can substantially lower the amount of money you will ultimately pay for your home. When you run the numbers on a 15-year versus a 30-year home mortgage loan, you may be surprised at how affordable the 15-year home loan can be. Your mortgage payment will not double if you go with a 15-year mortgage versus a 30-year. This has to do with the affect of compound interest. You are paying far less interest in the long run on a 15-year mortgage.
Whatever type of home loan you decide on, the most important thing is to take that step which transforms you from a mere renter to a home owner and builder of equity. There are a great many home loans out there, but once you find the right one, you will find the rewards of home ownership well worth the time and effort put forth.
I have been living on the 60/40 budgeting rule for more than three years now. I had read on this subject in a magazine article and in a conversation with a colleague, I found out a simple system in which my colleague has been using for years.
The Rule (60%)
The 60/40 rule simply says that 60% of your gross income should go to Committed or Fixed expenses. These expenses are your Overhead expenses, meaning the basic things you need to pay to survive. They include:
• Basic food and clothing needs.
• Rent or Mortgage
• Utilities (electricity, water, internet, cable subscription etc.)
• Insurance premiums.
• Charitable contributions.
It looks simple enough but in my experience putting all committed expenses into 60% of my income was a tough thing to do. But don’t give up as it is very possible to achieve this.
The Rule (40%)
The other half of the equation is the 40% which is divided into four 10% categories.
• Retirement: Money set aside into your IRA or 401(k) plans.
• Long-term savings: Money set aside for car purchases, major home repairs, or to pay down debts such as credit cards, mortgages, etc.
• Irregular expenses: Vacations, car repairs, new appliances, etc.
• Fun money: The great part! Do anything you want with this money! Just be sure that this category applies to your whole family such as dining out, a day in the mall shopping, your hobbies etc. But also remember that having fun with your friends, children and family does not have to be costly!
What to Ask Yourself
• Are you renting a place or have a mortgage that you cannot afford? Is it worth it move to a smaller place or farther place to save up? How much money will you save if you do so?
• Are your car payments too high? How is the fuel consumption of your car?
• Do you have too many paid subscriptions that you don’t really use? (Satellite TV, club memberships etc.)
• What is your lifestyle like? How much do you spend in a week, eating out, going on trips etc?
• Do you wear designer clothes? Where do you shop?
• Can you afford to get your coffee or lunch at a cheaper place?
It is probably not something most people think about, but garage lighting is important. Most garages do not have windows, so it is the lights that are installed that provide the ability to see. Here are some great garage lighting ideas for assuring that your area is well equipped for both function and safety.
A garage is a very functional part of the home. It is the place for parking our cars and performing car maintenance, and many people use it as a workshop area as well. These various tasks have different lighting requirements.
For working on a car, garage lighting needs to be bright for safety and convenience. Overhead fluorescent lights are among the best option for the main light fixtures in a garage. Very bright and illuminating by nature, large overhead fluorescent fixtures by far are capable of providing the most light to a garage area to fill even the darkest corners with bright light.
For the workshop area, garage lighting may need to be more focused. Moveable task lights such as drop down and clip on styles are a great idea because they are versatile. Drop lights come in a variety of styles and sizes to match not only the homeowners and shop owners needs but also their budgets.
Another more expensive option for daytime light is to install skylights. This will provide your garage with an atmosphere that has plenty of natural light during the day.
Hopefully this will give you some garage lighting ideas for your home. The choice of fixtures is important even though most of us do not put much consideration into it.
Cave hiking is considered to be an extreme sport in some circles. However, extreme sport tends to mean that the people who participate have little regard for safety and that is not true with this sport. Cave hiking is a recreational activity that is quite challenging and requires skills of varying levels depending on the type of cave you’re exploring.
When you go cave hiking, you need equipment to help you navigate. The sport is physically demanding but fun and rewarding. It is similar to mountain climbing and diving in terms of the physical demand required and the rush you get from accomplishing it. Throughout the world there are many caves that you can explore, especially in the larger countries like the United States.
While cave hiking is not extremely popular, the athletes that do participate in the sport find it quite exciting and different from other sports. There are thousands of caves that can be explored and there are still many that have not yet been explored. If you are new to the activity, you should hire a guide to go with you to make sure that you have a safe trip that is enjoyable – the trip stops being fun when you are trapped in a cave and you don’t have the right equipment.
Safety is paramount in cave hiking and there is equipment you need:
LED lights: When you are cave hiking, you should have a few different light sources to help you see in the dark caves. Ideally, you will have a LED headlamp, which is a popular choice of equipment with cave hikers. Headlamps offer you a light source without needing to use your hands. It points in the direction your head is pointed, which is usually where you are headed and need light the most. You will also want to have a LED flashlight with you to shine into other spaces, tight spaces or into a different direction. Lanterns offer a lot of light and are great for lighting up an entire cave. You will want to use LED lights because they offer you a longer battery life and longer bulb life. Always have two light sources with you when cave hiking for extra safety.
Knife: You will need to carry some type of survival knife with you as well while you are cave hiking, such as a Swiss Army knife or hunting knife. A knife is paramount in case you need to cut ropes or vines, etc. while in the cave. It also may be needed if you have to mark your direction in the ground or rock.
Other equipment: Items like ropes, helmets, carabineers, hiking boots, water and food are additional items you will want to carry with you when cave hiking. It is best to check with a guide or take a course with a guide on what is the appropriate equipment and attire for the particular area you will be hiking. Don’t cave hike on your own until you have done so with a proper guide.
Always remember – safety first. Tell someone that you are going hiking, when you are entering the cave, where it is located and when you expect to return. This is to ensure that if something goes wrong and you don’t return on time, someone knows where to begin the search. Always ensure that if you are new to the area or new to the cave that you take a guide with you who is experienced in that area and cave. This will ensure that you are safe throughout the hike and that you have fun.
~Ben Anton, 2007
Is there a safe alternative to Vaniqa cream for women wanting to do something about unwanted facial hair?
Yes there is! In fact, this alternative to Vaniqa was on the market some years before Vaniqa was finally approved by the FDA (Food And Drug Administration) for public distribution on prescription in the year 2000.
In the early 1990’s a lesser known company operating near Toronto in Canada by the name of Nisim International was carrying out extensive research in its laboratories for a natural herbal solution to hair loss.
In 1993 they released the NewHair Biofactors range which consisted of deep cleansing shampoos and a hair growth stimulator made from natural herbs. It received a positive write up in the Medical Post of 1993 and the article listed some impressive success results from the clinical trials. (See http://www.4-hair-loss-solutions.com/baldness-medical-post.html for the full text of the article)
In the course of this research the folks at Nisim stumbled on a way to not only stop hair loss and get hair to regrow, they also found a way to stop unwanted hair from growing by interrupting the mechanism for hair growth in the hair follicle.
This led to the release of Kalo Hair Growth Inhibitor in 1997, some years before Vaniqa arrived on the scene.
Vaniqa And Kalo Compared
There are some main differences between this alternative to Vaniqa and Vaniqa cream. For one thing, Kalo can be used by men, women and children whereas Vaniqa is only for women and girls under the age of 12 are recommended not to use it.
Vaniqa is available on prescription only, Kalo is a non-prescription hair growth inhibitor.
Some may raise a question over Kalo being a viable alternative to Vaniqa because it is not FDA approved. While that is true it is important to understand the process of FDA approval.
Vaniqa was brought to the market by two powerful giants in the personal care industry, Bristol-Myer Squibb and The Gillette Company. Will millions of dollars available they put up the necessary funding to get Vaniqa through the many years of tests and trials necessary before the FDA gives approval.
The final clinical trial results showed that 58% of women who used Vaniqa found a reduction in hair growth. That means a fairly large percentage did not see any difference.
The alternative to Vaniqa, Kalo, is produced by a small company without the massive resources available to the major pharmaceuticals. They also rely on word of mouth instead of pouring large sums into advertising. As a result, Kalo has grown in popularity and since the appearance of Vaniqa on the personal care scene, it has proven to be a viable non-prescription alternative to Vaniqa cream.
As with Vaniqa, Kalo doesn’t work for everyone. That’s why the company offers a money back guarantee. Given the rate of returns and refunds however, no more than about 1%, it is evident the majority of users are satisfied to a degree.
Finding an ideal method of facial hair removal is a matter of experimentation for many women before settling on the method that suits their pocket, skin sensitivity and lifestyle.
Combining the use of Vaniqa cream, or an alternative to Vaniqa such as Kalo, has helped thousands of women make facial hair removal sessions much easier and more convenient!
Family is very important part of our everyday life. It helps us in improving our personality. It also helps us in shaping our life. It teaches us the value of love, affection, care, truthfulness and self-confidence and provides us tools and suggestions which are necessary to get success in life.
Family is a place where you can be yourself. It is a place where you are accepted for what you are. This is where you are completely tension free and everyone is there to help you. Family encourages you when you are surrounded by problems. It helps you survive through tough times and bring joy and happiness into life.
Decency is very important in the communication of daily life. It helps us make strong relationship with others and make us come across as a very gentle, intelligent and likable person. Everyone loves to be in a company of such person. Family helps bring decency into our life which is necessary to lead a happy life.
One of the most important aims of our life is to build a successful and highly rewarding career. Our families help us in creating a strong future. It gives us valuable suggestion about different career prospective. It not only guides us in choosing the best but also financially helps us to cover the expenses of education. Thus it helps us in making a good future.
The importance of family is probably realized when one went to holiday or celebrate an occasion without family members. It was very hard to celebrate an occasion or went to holiday without being surrounded by family members. At that time probably we realize that how important they are to us. At that time, we came to know about the importance of our families.
Today, most people don’t realize the importance of family. They prefer to spend most of their time with their friends. But when they are surrounded by problems, it was their family that helped them get rid of problems. At the time, when even our best friends refuse to help us, it was our family that came to help us. So it is very important for each and every individual to give importance to their families above anything else and enjoy spending time with family members.
If you are in the market for a new catalytic converter, and are a performance enthusiast, chances are that you will be considering buying a high flow catalytic converter. If you aren’t, then you should read this article, and consider the benefits.
Let me tell you what this article is not about. I’m not going to talk about boring OEM universal catalytic converters that you put on your moms minivan. I’m going to be talking about high performance parts whose sole purpose is to increase the horsepower and torque of your vehicle. If you are just searching for a replacement cat for your 92 Chevy Cavalier, then reading this article is not worth your time. So let’s get into it, shall we?
I’m going to assume that you have a high performance vehicle, or at the very least, a stock vehicle that you plan on modifying. If you aren’t familiar with high flow catalytic converters, let me explain what they are and how they help your car gain horsepower.
First, the point of the catalytic converter is to convert toxic engine exhaust gases into cleaner more environmentally friendly substances. This is done using a catalyst inside of the device, hence the name “Catalytic” converter. Anyway, the problem with OEM or aftermarket OEM cats is that they restrict airflow. This is mainly because they are built to work as effectively as possible, and have little focus on increasing the power of your vehicle. Your 95 Honda Civic wasn’t built to be a high performance machine from the factory, but that’s not going to stop you from changing that! The High Flow Catalytic Converter was created with performance in mind and ultimately it lets more air flow unrestricted through your entire exhaust system. The best scenario would be to have no cat at all, and many people who race their cars do not have a catalytic converter, but if you are looking to have your car be street legal, then your car must have a cat in order to pass emissions tests during inspection.
So how does a high flow catalytic converter help your cars performance and should you buy one? Well first, let me ask you, do you have aftermarket headers or exhausts on your vehicle? If not, then a high flow cat is not the thing to be buying just yet. I think of a high performance cat as the third part to your aftermarket exhaust system. The most important piece of your exhaust system is the Cat-Back. This is all of the piping that comes after your catalytic converter. The second most important piece is a high flow exhaust manifold, or headers. These come before the cat. Without one or two of those pieces installed on your car, I would not purchase a high performance cat as it is the least important and will not be as effective if not combined with a high flow exhaust system.
If you do have an aftermarket exhaust system, then a high flow catalytic converter might be the logical next piece to purchase. The more freely your exhaust gases flow from your engine, the more power your car will make. If you have a high performance cat-back, and headers, then a regular cat will cause a bottleneck in the airflow, and that is something we don’t want. By installing a high performance cat, you will increase the air flow, and gain more power. How much power will you gain? Well that depends on your engine size. Larger V6 and V8 engines will see a higher increase in power than i4s. This is because they produce much more exhaust gases. But for simplicity, we’ll say adding a high flow cat can increase your horsepower by 4hp to 10hp. If that sounds like a gain you would like to benefit from, then buying a high flow cat might be the right choice for you.