Save Money On Car Buying

Buying a new car is an adventurous journey, especially when you are purchasing your first car. It is one experience which you will cherish for the rest of your life and there is no doubt that the car we own is a very prized possession which we admire and appreciate. Buying a car is a really exciting affair, yet the entire procedure can be a stressful one, especially since we are making a huge investment to experience luxury.

Purchasing a home, paying for higher education and purchasing a new car are all the heavy investments in our life which makes our dreams come true. There is no doubt that purchasing a car is a costly affair yet there are steps which you can follow that will help you to save money on your car buying process and will surely ensure that you need not give up your dream of owning a car.

Tips to Follow to Save Money during Car Buying

1) Firstly, you need to go and search for both new and used cars. In case your aim is to buy a second or a third car for the family, then you can go in for a used car which will help you to save money on its purchase as well as on the cost of insuring it. There are specific car dealers who are known for offering certified pre-owned cars which is sold with the manufacturer warranty and these cars are available at a fraction of the new cars.

2) You should have an idea of ​​the features you would like your car to possess and ever, you can select the car which has all the relevant features which you would like your car to have. Most of the standard car models are known to have safety and comfort features and the adding of options such as a navigation system and the presence of alloy wheels will certainly assist in decreasing the overall cost of the car.

3) Most of the dealers are known to offer great incentives and you can check out these deals which are provided by various dealers. You can either go in for a low interest rate loan or for cash back incentives which is bound to save you lots of money. Most of the dealers can come up with amazing incentives as per your requirements so you need to analyze the incentive offers which are able to offer you the maximum savings on your car purchase.

4) You need to have a good idea of ​​what kind of financing options is open in front of you. Do not be under the assumption that there are only auto dealers who are able to provide you with car loans. You will be surprised to learn that even banks offer you great terms on their car loans.

5) It would be a wise decision if you visit car dealerships at the end of the month as salesmen need to meet their sales quotations at this point in time and they would like to canvas new customers by accepting genuine incentives which you may put forth.

Seven No-Money Gifts You Can Give Everyday

This year the money has been kinda tight in many families, including ours. As our son turns a teenager (13) and our daughter, turns 15, we've been scratching our heads about exactly what to do for these two teenagers' birthdays. It does not make it any easier that both teenagers' natal day fall on the same day. Attribute that to perfect family planning techniques on our part. Or chuck it up to chance, and you'll be closer to what really happened.

At any rate, I have been thinking of low-cost or non-cost gifts that each of these teenagers can proudly call "cool". Clearly, no easy challenge. But whereas we may actually spend some money giving our children a birthday celebration worth the name, it is my hope that one day they will discover those special gifts in life that cost no money but mean so much more. There are at least 7 such no-money gifts I can think of and ramble about in no particular order.

1. Gracious words: These can be words of thanks, like "Thank you." They can be words of encouragement: "You can make it. Do not give up." What about words of praise or compliment: "You did great! You look sharp. That's a brilliant observation." Words of affirmation: "You are important to our family. You make a difference in our school, company or church." How about words of comfort? "I do not know what it's like to experience what you're going through, but I'm standing with you; I'll support you through this. I'm praying with you." Words of appreciation: "We could not have achieved this without you." What about humor, like a good joke? Or words of greeting: Please say "Good morning" every day when you wake up; yes, "Good morning", even to each person who lives in the same house with you.

2. You can give your ears at no cost to you. How? You listen. Simply listen. You come across as caring, concerned, and wise when you listen to another human being with that feel of empathy, which says, "I understand, I care, I know, I want to know."

3. How about giving your eyes? This is the gift of attention or eye contact, and it does not cost money. Do you know that 'love is in the eye'? A good look can seal the deal between two people as one falls in love, and the other confirm the feeling is mutual. Your eyes, if you are blessed with the gift of sight, are a wonderful gift; use them to give someone special that special look engenders love, confidence, compassion, and the like.

4. Forgiveness: More than a gift to another person who has hurt you or offended, the free gift of forgiveness can heal you and free you just as much as it releases your offender. "I forgive you" is one of the most powerful sentences one person can utter for another to hear. It says you are ready to move on, and so can the other person. Forgiveness sets two prisoners free, though they may still head in different directions from the cell of grudge, bitterness and resentment.

5. Presence: This is one of the most undervalued gifts in our world. Your presence, just being there can make a whole lot of difference. Presence makes a difference in the lives of millions of children. Do you know that a son may drop out of school, use drugs and alcohol, engage in pre-age sex, commit crime, and end up in jail, simply because his dad was 'not there'? Never underestimate the power of 'being there'. The gift of presence is also essential for organizations like a sports team, a church, or a company. What good is a team, a church, or a company if no one shows up, if the players, members, or employees do not attend, if they are never 'there'? Attendance is just another name for the gift of presence. For those who are religious, one of the beliefs that keeps many of them going is a simple promise from the Almighty: "I will be with you. I will never leave you nor forsake you. I am with you, even to the end of the world. " Presence. What a gift!

6. Smile or Laughter: Few things communicate "I'm on your team" like a genuine smile, or a good laugh. For years now, I have made it a point every day to have one good 'laugh of the day'. If the day wears on, and I have not yet gotten my laugh of the day, I will surf the Internet until I locate a good laugher. But on most days, I get my dose of laughter with a family member, a friend, or even over the phone. By the way, laugh relieves stress and conditions your mind like you know what. By the way, we are speaking of a "laugh with" someone, not a "laugh at" anyone.

7. The Gift of Touch: The Mother Teresas of this world have understood the great gift of that human touch, the tender kind. That gift can shape the personality of a baby for the rest of that child's life. A child that is often touched will develop differently from one who never gets a hug or kiss. A gentle touch from a nurse or doctor can cheer up or even speed up the healing process for a patient, or make the difference between a peaceful death and a traumatic exit from this life. Jesus the Rabbi distinguished himself from other religious leaders and endeared himself to the common people by being a tourer rather than just a detached teacher. He touched the epileptic, those with leprosy, the prostitute, the hated, and he touched his disciples. The touch of Jesus changed lives and brought tears to the eyes of the most macho of men, including Simon Peter, that strong fisherman of Galilee. Never regard a handshake, a hug, an empire, a kiss on the cheek or lips as anything less than a precious gift.

There is little chance that our son or daughter will be impressed with any of these cost-less gifts for their birthday. The good news is that, as their parents, we know that it is these gifts that they will remember the most once they leave our nest. And thankfully, we can dump these precious presences on them just about any day of the week, whether it's their birthday or not.

The Easiest Way Grow Your Online Business Opportunity With Article Marketing

Whether your website is selling a product or a service you need constant exposure to get new visitors to your site. The only way you'll move up the search engine ladder is to learn how to grow your online business opportunity with article marketing. It's really an easy way to find new customers and make more money on the internet!

Search engine optimization, also known as SEO, is essential for moving your site into the top ranked postings on every popular search engine. After all, what's the point of listing keywords and key-phrases associated with your business if you're not going to optimize them?

Your friends are right! Article banks are filled to the brim with back-linked articles that not only get more visitors to the originator's website or blog, but also serve to increase and optimize their site's all important search engine rankings. Aside from providing a greater chance for your business to turn into a viral online success story, marketing through social networks and article data banks just makes good sense.

Article marketing began to gain strength as more business owners began using self produced prose to help promote their business. News editors began frequenting article databases for story leads and the number of hits to the sites grew to enormous proportions.

Article marketing services will write and post informative prose for you all over the web! You won't have to become an internet or SEO-guru to figure everything out. Article marketing services can have the articles written for you and post them to all of the popular article banks.

In fact, simply by providing a keyword or key-phrase, these fee-based services can have a professional writer prepare your articles in as little as twenty-four hours for proofing. Then the article marketing service does the rest of the work.

In fact, there are many services available now that will write your articles and post them for you. All you need to do is supply a small fee and a keyword or key-phrase and Voila! In a day or two your articles are appearing all over the web and your search engine rankings increase accordingly.

You'll get all of the important backlinks needed to get your site noticed for just a few dollars. It's like getting big business level assistance for the price of a few Venti Lattes! What could be better than that?

Article writing and submission services range from $15 per unposted article to as much as $3,500 or more per posted article or prepared press release. There is a service to fit every budget and meet every unique marketing objective.

Whether your enterprise is large or small, you can grow your online business opportunity with article marketing. If you know how to write using keywords and key-phrases properly, the process can cost you nothing more than a little time. But if you would prefer to concentrate on your core business, there are many cost-effective article marketing service approaches that are available.

Tips For Driving A Rental Car In The Rain

Although the rest of the country may be dry in winter, we all know when it rains it pours in the Western and Northern Cape. We also know that driving in the rain can be dangerous and quite disastrous. Moreover, we understand that driving an unfamiliar rental car is not just infuriating, but perilous as well. However, if you were to drive in such inclement weather conditions, here are a few tips to help you prevent accidents caused by rainy climate. Who knows? You might even save yourself from having to pay car hire damages.

The road is slippery:

Without a doubt, the roadway you'll be driving on will be slippery, and the biggest issue with driving in the storm: is traction. Traction mostly occurs when the pavement is wet and develops a firm slick surface which causes tyres to lose grip, making it difficult to stop quickly. Should your rental car slip or hydroplane, it is advisable that you avoid abruptly stepping on the brakes as this can spin your car. Instead, firmly grip your steering wheel and slow down.

By all means, avoid using cruise control.

Don't drive through puddles:

It's storming, so chances of coming across a huge puddle in the roadway are high. You might have an impulse to drive through it. Please, resist that urge. The danger here: that water could be hiding a gigantic pothole. Even more hazardous: water splashing up into the car's engine compartment could damage the electrical system. You don't want to damage a hired car, right? Right.

Your headlights must be on:

Turning your lights on will not only assist you see the road clearer, but it will also help other drivers see you. But, you must try to avoid turning on the high beams as they can actually obscure your vision further. If you're driving a car equipped with fog lights, try to flip them on. The low light from these headlamps may help upsurge your visibility in the rain.

Keep at a distance:

When it's raining it takes longer to have control over the car. You won't be able to stop, brake or turn as quickly. The other vehicles on the road won't as well. So driving slower and keeping a distance between you and other drivers is crucial.

If you can, keep your tyres and steering ranged with the car driving in front of you. Why? Because, the car in front of you is shifting and pushing water away, clearing the roadway, while, it creates a better driving surface for you.

Avoid driving next to big cars:

Trucks and buses make big water splashes that can hit your windshield and briefly block your sight.

Driving on a muddy road:

Now, you've ventured from the wet tarred roads of the city, into the mud-coated country roads. In this case, two things may happen: you might get through it without an incident, or you may get stuck.

One thing is guaranteed though, you will skid. But, don't hit the brakes. Be aware of where your front wheels are pointing. Drive slowly. Driving slowly will decelerate your vehicle, and ensure you gain traction. Once you're in control of the rental car again, keep going.

What if you get stuck? Keep a steady pressure on the gas pedal. Press your accelerator. Doing so will create a light wheel spin, which will whirl the mud from the tread, giving the tyres a grip again. If that doesn't work, turn the steering wheel back and forth. Moving the wheels, may allow the tread a chance to gain enough grasp to keep your car moving.

Should your car be unable to move forward, try to throw the transmission into reverse. Chances are: you might return to a dry roadway. Slowly ease onto the accelerator, and hopefully, out of the mud. Once you're out - before resuming to normal speed, give the tyres a chance to kick the sludge out of the tread.

Clean the rental car:

You don't want to pay for car rental damages! So clean the car, because mud holds moisture against metal, which leads to rust and corrosion. Dried mud on a drive shaft, may throw it out of alignment and cause damage.

Fenugreek Breast Enlargement - 3 Things Needed For Fenugreek Breasts Augmentation

Rather than to merely ingest breast enlargement supplements and pray for miracles to occur, it is far better for you to know the facts about Fenugreek breast supplementation. Particularly, in the current worldwide marketplace for natural breast enlargement without surgery, one of the most common ingredients you will find included within top-notch breast augmentation supplements is Fenugreek.

Thus, it can become a great benefit for you to know exactly what Fenugreek breast enlargement should truly comprise. Now, you will encounter one problem when you attempt to gather research data on the success rate of this nutrition enhancing herb.

The reason why the above rings true is because worldwide or even United-States-only statistics about Fenugreek breast size remain generally lacking. The greatest supportive details happen to originate from foreign countries like China, Egypt, or India, for example, where usage of this supplement has a much longer history and people speak out about its actual and lasting benefits.

For the most part, Americans are still guessing and hoping that at least SOME partial benefit can come from herbal breast supplementation or utilization. On that note, here are the basic facts about WHAT the Fenugreek breast enlargement herb basically comprises.

-- Fenugreek contains "saponins" that also tend to inhibit the absorption of bad cholesterol.

-- Within the body, absorbed Fenugreek molecules create a fiber very similar to mucilage, providing a helpful "stickiness."

-- The Fenugreek herb can offer possible benefits in blood sugar and body weight lowering.

Yet, for purposes of natural breast enhancement, here is the reality:

Fenugreek intake tends to increase breast size plus milk production primarily for nursing mothers. Thus, only very partial perks like these can come to ordinary women who simply want to expand their breast tissue for non-feeding purposes.

However, the very slight feelings of fullness that DO come from using this breast enhancement herbal supplement are enough for many women to appreciate. Normally, ladies tend to rely upon ONLY ONE SOURCE for comprehensive breast augmentation -- and, especially in regard to Fenugreek breast enlargement, herein lay one of the central problems that cause countless individuals to miss the mark of natural breast enhancement achievement.

Enhancing your breasts in a natural way calls for MULTIPLE holistic approaches. In order to maximize your success, you must combine these techniques in a synergistic plus intentionally combined way.

The previous explanation about the PHYSICAL properties of Fenugreek provides you with a clearer understanding of its herbal foundation; however, be it known that breast enlargement supplements do NOT work successfully in an "isolated" mode. Meaning, there are at least three other things you must do in order to make herbal breast augmentation work for you.

You can use the following three tips to secure your Fenugreek breast enlargement goals:

ONE: NUTRITION -- It is possible for breasts to shrink because of poor nutrition. Therefore, consume the types of foods that tend to enhance breast appearance, fullness, and growth. Here, even Fenugreek is a food-based nutrient, and its mucilaginous consistency tends to apply an appearance of fullness over time.

TWO: EXERCISE & WEIGHT LIFTING -- Support the very foundation of your breast tissue by pumping up the muscle layers upon which they rest. You may be hearing this tip very often; however, there is one missing element. That is, while BUILDING up breast tissue via exercise, you can also use AEROBIC exercises to REDUCE the midsection of your body. Thus, a thin and firm waist line does wonders for the appearance and contour of your entire body.

Continuing with your three tips for Fenugreek breast enlargement...

THREE: Apply phyto-estrogen cream topically to the skin of breast regions; yet, using such creams in combination with thorough and safe breast massage stroking is the best way to apply them. In this way, you will be giving your breasts the PHYSICAL activity they need, plus stimulate the mild inner workings of breast hormonal function.

HEPA Vs. HEGA Filters - What's the Difference?

Many of us retreat to our homes for security and relaxation, only to find that our senses are constantly being attacked by a variety of asthma and allergy-related culprits.

The EPA has repeatedly warned the public of the dangers of poor indoor air quality, and unfortunately, even the most immaculate home can be teeming with pollutants. Virtually every home is affected by indoor particulates, and this is especially true if your home was built in the last 20 years or so, as energy-conservation efforts enacted in the 1970s required homes to be built especially air-tight. Common sources of indoor air pollutants can include dust, carpet, furnishings, household cleaning products, pets, and cigarette smoke. Unfortunately, exposure to these contaminants can result in a range of health problems such as asthma, allergies, respiratory disorders, and even cancer.

One way to combat these airborne irritants is to use a high-quality air purifier to clear the air. Air purifiers can also help remove vapors from carpets and textiles, cleaning products, and other pollution particulates that can jeopardize your health.

Studies have shown that clean air helps you sleep better and breathe easier, and looking for an air purifier may seem confusing at first. One of the most effective ways at controlling particulates is through the use of a high-efficient particulate filter, but finding the right kind of filter can even be difficult. Two popular types of air filters are HEPA and HEGA, and while these two terms may seem interchangeable, they are also quite different, as they are used to filter out different types of pollutants.

HEPA technology has been around since the 1930s and is essentially a type of filter media that allows air to pass through. This type of filter is highly efficient at particle abatement, and is 99.97% effective in capturing particles 0.3 microns or larger (including common pollutants such as dust, hair, dander, and pollen). HEPA technology was originally developed by the Atomic Energy Commission to create clean and safe environments for troops, researchers, and scientists.

Because of a HEPA filter's ability to remove particles from the air, it is the most common method of air purification. When purchasing an air purifier with HEPA filtration, look for True HEPA filters, as these must pass independent tests and perform at a certain standard to receive the distinction of a True HEPA filter. Also, when deciding on a HEPA air purifier, pay close attention to the filter's construction. Warm-roled HEPA filters are best, as these are not prone to cracking, and air purifiers utilizing warm-rolled and pleated HEPA filters also increase filtration efficiency.

On the other hand, HEGA filters serve a different purpose. HEGA stands for High Efficiency Gas Absorption, and this type of filter was developed about a decade ago by the British Army as a defense against chemical warfare. HEGA filters are composed of a carbon cloth and are considered to be many times more efficient than granulated activated carbon at adsorption of gaseous pollutants, chemicals, and odors. Because of their efficiency, light weight, and easy workability, air purifiers with HEGA filters are now becoming more popular, especially in air purifiers geared towards allergy, chemical, gas, and odor control. In fact, some air purifiers even use HEGA filters in combination with HEPA filters to provide complete air purification.

Therefore, by choosing a HEPA or HEGA air purifier, you can rest assured that you will get the same purification technology used by the government and have complete and thorough filtration of particulates, gases, and VOCs.

The True Meaning of the Word Freedom

Freedom is a very powerful word. Webster's dictionary defines freedom in many different ways, but this is the one that really stuck out to me. Freedom is the state of being free - liberated from slavery, restraint or the power of another. When I read this definition, the Bible verse Acts 12:7 ran through my mind- And, behold, the angel of the Lord came upon him, and a light shined in the prison: and he smote Peter on the side, and raised him up, saying, Arise up quickly. And his chains fell off from his hands. Can you imagine the delight in Peter's heart as those chains released his hands and he was no longer in captivity?

You too have the opportunity to escape captivity and live in freedom for the rest of your life. Can you imagine actually being free financially, spiritually, socially, emotionally and physically? For most people that seems completely unrealistic, but I'm here to tell you it can be your reality. Remember, inside the word impossible is possible. It is possible for you to have freedom in every area of your life!

In the United States, we observe Independence Day on the fourth of July. There are fireworks exploding in the air across America in celebration of our freedom, which was made possible by the signing of the Declaration of Independence in 1776. When that document was signed, it was "declared" that America was free. Let me ask you a question. When will you declare your independence? When will you declare your freedom? Before you can achieve it, you must believe it so say it out loud now... I DECLARE THAT I AM FREE IN EVERY AREA OF MY LIFE! THE SHACKLES ARE GONE! I AM FREE!

After you declare that you are free, you need to understand exactly what freedom is to you. If you don't know what it is, then how are you going to achieve it? What is freedom to you? I'm going to break down each letter of the word F-R-E-E-D-O-M, and I want you to visualize what it really means to you.

The first letter in the word freedom is 'F', which stands for focus. Are you focused on being free in every area of your life? If not, then you need to shift your focus and become focused on your freedom. Most people don't become truly free in their lives, because they are comfortable or simply aren't courageous enough to stretch themselves beyond their current life boundaries. Take advantage of getting uncomfortable and stretching yourself, because to be free you have to do things differently than most people.

Just imagine standing inside of an average size circle every single day. Your current job, friends, habits and overall way of life are also in the circle. Can you feel it getting tight? Don't you have the urge to step outside the circle? Now, imagine extending your foot, stepping outside of the circle and feeling an ultimate sense of relief. You have room to move and make decisions that you couldn't make inside that circle. Sadly, you will never get to leave that circle because it's the limit that you've placed on your life unless you make the decision get focused on your freedom and stretch yourself outside of your comfort zone.

Whatever you focus on everyday will determine whether or not you achieve freedom in your life. One of the main objectives that you should focus on is taking advantage of every single minute in your day. If you are scheduled and plan your day, then you are forging forward towards freedom. On the other hand, if you lay in bed at night, reflect back on your day and have no idea what you did all day long, then you are allowing time to take advantage of you. I often hear people say, "I have no idea where the time went." It's one of those moments when I have to bite my tongue, because I want to tell that person that they are wasting their time instead of investing it.

Time is our biggest form of currency so we must spend it wisely. If you focus on freedom and invest your time wisely, then you are one day closer to being free instead of remaining entrapped. While working with one of my coaching students, I asked her to show me her planner. I wanted to know where she was investing her time, because she was stuck in a rut. Surprisingly, she had every single minute of her day scheduled. This woman knew where she was every minute of the day and led an extremely busy lifestyle. However, I looked closer at the actual activity and saw the issue. I explained to her that just because she was active didn't mean that she was productive. She filled her day with meaningless tasks that created activity instead of accomplishment. Just because your calendar is full doesn't mean that you are investing your time wisely. I encourage you to sit down and take a good look at where you're spending your time and how some of those insignificant, waste of time activities are pushing you further away from your freedom.

Another determining factor in whether or not you become free is what you actually look at on a daily basis. I love to take photos with other champions at events and have built a Why wall in my office in South Florida. This wall is filled with not only pictures but also letters, art, cards and many more positive, inspirational things that I have received from people all over the world. In my home office or as I prefer to call it my "construction zone", I have pictures of my own dreams and goals. I focus on these things every day as I sit in my construction zone and build my business. No matter the obstacle that I encounter, I'm constantly reminded of my Why in life, because I see it in front of me.

What are you looking at? If your answer to that question is "nothing", then that's exactly what you are doing to achieve freedom in your life...NOTHING. In my favorite book, The Bible, it states that a man without a vision will perish. Another way of saying it is that a person without focus in pursuit of his dream will fail. I cringe when see someone reading those garbage books and magazines that highlight all the gloom and doom in the world. Can you really expect to achieve freedom in your life if you are focusing your mind and eyes on that trash? I challenge you to throw out the garbage and start reading positive, inspirational material. You can also take it a step further and hang some pictures of your dreams and goals in your construction zone. You won't believe how quickly your results will skyrocket when your focus is shifted!

If you're saying, "That sounds easy. All I have to do is organize my planner and hang a few pictures then I will be focused on achieving freedom in my life." YOU ARE WRONG! It's not a one step process. It's daily focus in every area of your life. When I say that you have to be focused, I don't mean that you just simply think about freedom sometime during the day. You need to be focused like a sniper with a laser pointed at his target...laser-focused! If you let anything or anyone distract you, then your target (freedom) will no longer be in sight.

Run Your Car on Hydrogen Gas With an HHO Conversion Kit

As gas prices continue to rise, people will continue to look for alternate sources of fuel to run their cars. Do not let fuel costs continue to burn a hole in your wallet. Run your car on hydrogen with the help of an HHO Conversion Kit. Soon, we will all be driving some kind of Hydrogen Fuel Cars. Why not be the first one on your street to reap the benefits?

But what is a HHO Conversion Kit? Is it Safe? Where Can you buy them? These are all important questions. The answers are actually quite simple.

What is an HHO Conversion Kit:
Hydrogen gas, or HHO, is a flammable gas and can be used for fuel. When properly utilized, HHO can be used in your car to improve your gas mileage. HHO Conversion Kits are devices that when assembled and installed in your car, create a hydrogen generator that can be used to supplement typical gasoline fuel in your car. Hydrogen generators are an effective means to run your car on hydrogen. You'll still need to get typical unleaded fuel from your neighborhood gas station, but you'll cut the consumption of this fuel in half, if not more. HHO Conversion Kits are inexpensive to build and install. Even a novice handyman can do it. Hydrogen Conversion Kit manuals and / or ebooks tell you how to create a hydrogen generator from basic materials available at any hardware store.

How can you generate hydrogen gas from materials at a hardware store? Is not it more complicated? Not really. Hydrogen can be created by a chemical process called electrolysis. Basically, you only need electricity and water. Your car battery can supply plenty of electricity, and water is just about free from the tap inside your home. You will not need to create anything that sparks to burn the hydrogen gas. As hydrogen gas is created, it gets routed into the air intake of your car. From then on, your car's engine does the rest with no additional changes to the parts of your car. That's all you'll need to run your car on hydrogen fuel. The unit is compact and it takes very little room under the hood of your car.

When you run your car on Hydrogen you'll see many benefits:
- Improve your gas mileage up to 67%
- Reduce harmful CO2 emissions from your exhaust
- Smoother running engine
- Faster acceleration
- IRS tax benefits!

Is it safe?
When you run your car on hydrogen from a HHO generator, you face very little additional risk. Yes, you are creating a flammable gas, but this gas is sent directly into the engine. You car carries around a tank full of flammable gas all the time! The HHO generator creates the fuel on-demand, so there is no excess fuel to act as a hazard.

Where can you buy them?
Costs of the HHO Generator vary. Some ebooks say it can be built for $ 60, others for $ 150. At $ 60, to build an generator to run your car on hydrogen is equal to the cost of one tank of gas! That is an immediate return on your investment and time. If you are afraid of the manual labor to build the HHO generator, you can buy them for upwards of $ 5,000.

HHO Generators are an immediate solution to high gas prices. One can be built in just a few hours, and the savings begin immediately.

Working For Money Instead Of Freedom

Once again, this past Sunday in the Los Angeles Times Business section, there was a story featuring the latest Southern Californian who has been out of a job for a long time. While shocking, it always puzzles me to read these stories, as it's quite appropriate that these people have no interest in their own freedom.

This time, it was a 47-year old woman who was apparently an amazing insurance salesperson. After being downsized, she decided to take a few months off before looking for work again. She figured that because she was so good at what she did (especially with her experience), she'd be able to find another job without a problem. Those "off" months passed and she re-entered the job search. Almost 2 years later, she's still without a job. And that's after also applying for menial jobs.

When I first read this, I felt incredibly. First of all, how amazing could she have been if she was laid off? How could this woman not realize how bad the job market was (is)? How could she have such a big ego to think that she could take a few months off because her skills were so good? And how in the world could she miss just how successful she could be owning her own network marketing business ??

Fundamentally, this woman is incapacitated of doing anything else except choosing to be poor. Why? Her values ​​are such that she must have a steady paycheck from an employer, where she can have promotions, bonuses, etc. She values ​​security and money over her own freedom. What she's found out the hard way is that there is no security anymore as an employee. She worked so hard and developed skills, and for what? So she can apply for a job at Costco at 47 years of age?

If she valued her freedom, she could easily succeed with a network marketing business - especially with Infinity Downline. Instead of spending her time working hard for money, she could be working hard for herself, building a business that would create steady passive income for her for life . This is the true power of network marketing businesses.

What most people tend to miss when they hear terms like MLM, direct selling, and network marketing, is the power of passive income. Ads for MLM programs tend to emphasize how much money you can make every month, but the numbers tend to be so high that few people can believe it.

The truth is that those numbers are in fact real (5-figure salary per month ) (and it takes WORK to get there), but that's missing the point. Building a business allows you to build your own security. Who needs a 401k plan if you're making 5-figures a month doing nothing?

Back to the woman, if she invested her time building a business online with Infinity Downline, where she'd only have to pay $ 25 to join (and $ 25 a month to continue), get 100% commissions on her sales, and learn a new skill (internet marketing), she could easily be making her old salary within a year, if not sooner. Especially with a background in sales, this woman's success would most likely happen much sooner than she'd imagine.

But unfortunately, she will not get involved and will miss this opportunity for one big reason - her values ​​are not geared towards that of freedom; she values ​​money and security over all else.

Which would you choose? (Poor) Giving your work working life (40+ years !) Over to various companies? (Rich) or giving 4 years to a network marketing business, leaving the rest for yourself and your family?

I say, make the rich choice.

Discover Three Keys To Unleash Your Innate Power

Everyone, who comes to me for mental / emotional healing, is seeking to step into their DESTINY-not just for their own fulfillment, but for the future of our world.

Do you desire to step into your DESTINY?

However, when thinking about what it might take to get there, do you feel overwhelmed by your day-to-day responsibilities, limitations, lack of connections, or weighed down by your 'To-Do' list?

For centuries many philosophers have intensively researched human capacity, they each added to the discovery that each of us has 5 "Quantum Powers" that are dormant inside us, just waiting to be unleashed, that can allow you to overcome these perceivable limits and step into the larger destiny the Universe has for you.

In my 50+ years of studying philosophy from Thales of Miletus (c. 624 BCE - c. 546 BCE) (pre-Soctratic) Greek philosopher who is often considered the first philosopher and the father of Western philosophy to modern-day philosophers, I am sharing their discoveries, and how you can access your innate powers.

There are 3 keys to unlocking Your Quantum Powers. Overcome Your Limitations. Accelerate Your Evolution. You will have Greater Impact in your life and on the world.

While these powers do not include the ability to grow wings to fly, turn invisible, walk through walls, or leak tall buildings, they allow you to ...

• Quickly increase your skill-building
• Profoundly improve your health
• Expand time in your day
• Reduce stress
• Expand your creativity and success
• Attract more money and support the projects that are important to you

These "Quantum Powers" are primarily undiscovered in the majority of people, but some of the most successful people in history have used them to somehow seemingly impossible things. Think of first inventors, people's lives that seem to flow through calm or choppy waters.

After mastering these Quantum Powers myself and provoking their effectiveness with hundreds of people the past 30+ years, I am confident you too will be glad you discovered the 3 keys to unlocking Your Quantum Powers.

This moment is the first moment of the rest of your life ; it is time to step into your DESTINY-not just for your own fulfillment, but, your family, friends and for the future of our world.

These are the 5 Quantum Powers I will explore with you to discover what you need to shift:

• Expand time so you can do more in less time than ever before without adding stress to your life
• Experience "sustained fire" to keep you operating at your highest energy level through even the longest, most challenging days
• Partner with the energy of the Universe to more easily accomplish your goals and fulfill your dreams
• Expand and express your creativity without sacrificing your daily responsibilities
• Attract the money, people and resources you need to move your projects forward and achieve the level of success you're driving for and deserve.

Allow me to assist you to overcome your limitations and step into a life of true power, connection and fulfillment.

I will assist you to take the steps you need to take to claim your happiness, success, fulfillment, and empowerment? You can take advantage of the opportunity to create a new reality for your life?

You may need to ask for assistance to clear out the self-doubt, fear, guilt, shame or unworthiness.

Here's to living your empowered life NOW.

There is no justification about asking for assistance to create happiness and success. If you have read the books, taken workshops, had psychic readings, taken prescriptions and OTC drugs and still struggle; you may have mental / emotional blocks preventing you from moving into your happiness and desires.

This is an investment in your Self, your happiness, your success, your fulfillment, and your empowerment. Following these principals will change your life forever. My desire is two-fold to assist you to experience it for yourself as soon as possible and to see the joy, happiness and success you create. Remember only you can create your happiness and professional success.

It is your DESTINY ... You can do it! Call me if you need assistance to overcome any blocks or sabotaging behaviors!

For your convenience, I offer a 20-minute FREE no-obligation phone conversation to answer your questions and discuss how you can discover and create personal and professional success. http://drdorothy.net And you will receive value in the 20-minute conversation.

Leather Repair - How To Repair Torn Leather Seat

There are so many different types of automatic leather seat repair, all with different situations and applications. There are holes, scratches, gouges, cuts, scrapes, worn or cracked, and just down right grungy looking leather seats. I think I got them all covered, well in this article we're going to talk about how to repair a small hole in a leather seat lean back, for those of you who do not know what a lean back is well it's the upper part of the seat.

Now when I say small this can apply for a tear up to 1 1/2 "to 2", probably might go a little bigger, but lets not push it, if it needs to go to the upholstery shop for an insert then that would be better then a crappy looking leather repair on something that probably would not hold anyways. When in doubt, insert it.

Prepping a seat is the key to success in any leather repair, and a lasting leather dye job. So, prep the whole lean back, and while at your it just clean the whole seat, why not, but you do not have to, with your prepping solution removing all grease, dirt, and grime. You need a clean surface and a well prepped area to work with. When I prep, I use a solution of rubbing alcohol, acetone, ammonia, and a small amount of TSP substitute, with water in a spray bottle. Spray the seat with the solution and scrub with a scotch brite pad to scuff the leather seat for leather dye adhesion and remove any grime that's on the seat, then wipe clean with a clean lint free towel. Once your clean, apply a grip base primer to the seat, I usually in most cases will dye the entire lean back when I do a repair or the entire seat, but sometimes it's not necessary, so you may not need to prime the whole seat , but do clean the seat good this cuts down on the amount of leather dye used and the ending result will be a premium leather repair.

Now to the hole. Lets say it's in a V shape, just for example. Like where you've gott'n out of the seat with something in your back pocket, ouch! I know the feeling, back in college I had a 1986 Mustang SVO, very rare and nice car (I miss that car) and I got out to go to class with a pen in my back pocket and ripped about a 2 "V shape in the seat, I about puked right there, and of course at the time I did not know anything about leather repair.

Sand the area around the tear with a 240 grit wallpaper, this gives a little more for the low heat compound to grip to. Take a piece of underpatch material and slide the under patch under the tear with a pair of tweezers, allowing about a 1/2 "on the inside all the way around. easier to slide under. You can use different types of under patches, I like the kind that is covered on one side with a heat activated glue.

Now take a drop of leather glue and spread a thin coat on the patch on the underside of the leather repair area. If the leather will lay down smoothly and match up then great, but sometimes it just will not. In this case we will use combo of the glue and your low cure leather repair compound and smooth a small amount over the patch then lay the leather down. Spread a small amount of low heat compound over the area and smooth it out with your pallet knife, remembering to keeping your area as small as possible, the smaller the better. Now heat the area with your heat gun, hold the heat gun out away from the leather repair and slowly move it into the repair area, this will give you just a little more control of the heat, you do not want to burn and shrink the leather. The idea is to cure the compound and get it to adhere before you cook the leather, it's a skill thing, practice makes perfect. Once the compound is cured immediately press the grain pad in your palm onto the repair, do not press to hard, but firm.

At this time using a wet paper towel apply a small amount of grip base to the repair area and dye with your color matched water based leather dye. Dry thin coats of dye, not wet. Then reapply and smooth out another thin coat of compound. Heat again and grain then dye, get the idea, what you are doing is building the repair up. Thin coats of compound applied and cured then reapplied, are much better then one thick coat. Once you have it built up and looking nice, blend the repair into the rest of the seat if needed, by applying thin coats of leather dye to finish it off. Drying between coats of dye with a hairdryer, and one great tip is rubbing the leather dye with your hands to force the dye into the creases of the leather helps a ton, do not be afraid to get your hands dirty. I say that but I'm allergic to rubber gloves, it bites, so I come home every day with dye all over my hands, it's a pain, but I love the work and the job looks better with a little bit of love rubbed on those leather seat repairs. After the dye is cured, apply a top coat of satin or dull leather clear top coat mixed with a bit of slip additive added for the soft feel. Dry the seat thoroughly, then apply your leather conditioner to finish and give the seat the juice it needs and a great feel and look for you.

Now there are so many other variations to this fix, sometimes I will have to use an air dry leather repair compound over the top of the low heat compound to smooth out the leather repair. Sanding it with a 400 grit wallpaper until it looks right. You can also turn your air down on your paint gun until little droplets are coming out to give it a textured look, drying between coats. Texture coatings, can be used, but if you do it right the gun effect works great. When I do a leather repair I will not give up until it looks perfect. Patience is a value, right. Do not get in a hurry, this will only frustrate you more and then you really got issues.

Leather repair is a craft and profession. The dyes and compounds I use are top quality and are made to last. Giving you a lasting leather seat repair, and comfort knowing you have a leather repair that will last and look great for years to come.

I hope this was some help to you, in the coming months there will be more articles like this one but on different situations on leather repair, liked I talked about in the first. There are so many different ways that a leather seat can be damaged, we spend a lot of time in our cars and well "sh $$ happens", right. So check back to see my next article on automatic leather seat repairs. If you have anything you would like to ask feel free to shoot me some comments on Leather Repair - How To Repair Torn Leather Seat.

An Introduction To The High End Specifications Of The Sony Xperia S

The Sony Xperia S is the latest in the rather comprehensive Xperia range, and the first to remove the 'Ericsson' branding of previous handsets. Recently released, it is already turning a lot of heads in the smartphone world. This is thanks to a combination of appealing styling and a hi-tech list of features.

In this article I will look at some of the key features which make this such an appealing handset.

Aesthetics
Previous releases from the Xperia range like the Xperia Arc S and Xperia Ray have been arguably among the best looking smartphones to be released in recent months. The Xperia S continues this trend. The handset oozes class; it has the classic 'candy bar' form factor with a somewhat minimalist style. The screen merges seamlessly with the black edges of the phone, so when the phone is turned off or the screen is locked it is hard to separate the screen from the rest of the phone. If you are looking for an elegantly styled smartphone, the Sony Xperia S is definitely worthy of a place on your shortlist of potential handsets.

Camera
One of the most publicized features of this device is the built-in digital camera. It is the first smartphone since the Nokia N8 to boast a camera resolution of 12 megapixels. Therefore, you can expect still images with quality which can be matched by very few other smartphones currently available. Of course, with such a high pixel resolution comes the ability to capture video footage in 1080p which is full high-definition. The camera goes beyond the standard functions of simply shooting videos and taking photos; there is a panoramic shot feature which replicates the effect of using a wide-angle lens on a professional quality camera. As you would probably expect the camera also has the standard package of features which make life that little bit easier when trying to take quality photos. Autofocus, image stabilization and face & smile detection can all be set to automatic so you are likely to achieve the desired results first time. As a camera phone, the Sony Xperia S is among the best. If this is an important feature for you, then this handset is likely to be an ideal choice.

Screen
The all around quality of the spec list lasts with the screen. The LED backlit LCD capacitive screen is similar to that of the iPhone 4S with its retina display in terms of the technology used. However there is a major difference between these two phones and this is in its pixel resolution. The Sony Xperia S can claim to be one of the few smartphones with a higher resolution than that of the popular Apple device and its retina display. At 720x 1280, the resolution of the screen makes everything on the screen appear in ultra high quality; ideal for playing games downloaded from the Android Market or watching high-definition movies, the screen usually makes more mundane tasks enjoyable, like composing text or email messages or browsing the web.

The device currently runs the Gingerbread version of the Android operating system but it has been confirmed that the phone will support an upgrade to the Ice Cream Sandwich version upon its imminent release. Therefore, you can expect the ultimate smartphone experience thanks to the most up to date version of the popular platform along with some of the most impressive hardware currently available on any smartphone.

Divorce Bank Account Blues - What Happens to Your Mortgage Debt During a Divorce

Debt, Credit, and Bankruptcy

We have referred to property as either marine or separate. The same classifications apply to debt. In general, both you and your spouse are liable for any debts incurred during the marriage - it does not matter who really spent the money. When the property is divided up during the divorce, the person who receives the asset usually also obtains the responsibility for any loans against it.

It's in both of your best interests to pay off as many debts as possible before or at the time of the final decision. To do so, use whatever liquid assets you have - bank accounts, money market funds, stocks, bonds, or cash values ​​from life insurance. It may make sense to sell assets to accumulate some extra cash. The most easily sold assets include extra cars, vacation homes, and excess furniture. (Do not expect to get much for used furniture without it has value as an antique or collector's piece.)

If you can not pay off the debts, then the decree must state who will pay which debt and within what period of time. There are generally four types of debt to consider: secured debt, unsecured debt, tax debt, and divorce expense debt.

Secured debt includes the mortgage on the house or other real estate, and loans on cars, trucks, and other vehicles. It should be made very clear in the separation agreement who will pay which debt. If one spouse fails to make a payment on a debt that is secured by an asset, the creditor can pursue the other spouse.

Unsecured debt includes credit cards, personal bank loans, lines of credit, and loans from parents and friends. These debts may be divided equitably. The court also considers who is better able to pay the debt.

For unsecured debt, any separation agreement needs to include a hold-harmless clause. This will indemnify the nonpaying spouse, which means that the paying spouse gives nonpaying spouse the right to collect not only all missed payments, but also damages, interest, and attorney's fees if payments are not made. Without a hold-harmless clause, the nonpaying spouse has the right to collect only the missed payments.

Often, the legal decision and the financial exit are very different things. This is a lesson Paul learned the hard way. Tracy and Paul were married eight years, during which time Tracy ran her credit cards to the limit with her compulsive spending. The court held Tracy sole responsible for paying the $ 12,000 in credit card debt. After the divorce, however, Tracy did not change her ways and was unable to pay off her debt. The credit card companies came after Paul, who ended up paying them off.

In a case like this, one solution would have been to pay off the credit cards with assets at the time of divorce or for Paul to have received more property to offset this possibility.

Tax Debt

Just because the dispute settlement is final does not mean you are exempt from possible future tax debt. For three years after the divorce, the IRS can perform a random audit of your last joint tax return. In addition, the IRS can question a joint return - if it has good cause to do so - for seven years. It can also audit a return whenever it believes fraud is involved.

To avoid surprises, the divorce agreement should spell out what happens if any additional interest, penalties, or taxes are found, as well as where the money comes from to pay for defending an audit. We know of countless horror stories where the unsuspecting spouse (usually the ex-wife) is all of a sudden obligatory for a huge tax bill and does not have a clue how it happened.

Divorce Expense Debt

Although it is not always clear who is liable for debts incurred during the separation, typically these debts are the responsibility of the person who incurred them. An exception would be if one spouse runs up debts he or she is unable to pay to buy food, clothing, shelter, or medical care for the kids. The other spouse is probably obligated to pay those expenses.

You will accrue other costs during the dispute process, including court filing fees, appraisals, mediation, and attorneys. Other less obvious expenses are accounting, financial planning, and counseling. The separation agreement needs language that states who is responsible for these expenses.

Divorce expenses may accrue after the decree, such as attorney fees for doing QDROs, title transfers, and tax preparation for the final joint tax return, mediation fees, and long-term divorce counseling for the parents or the kids. Who pays? You do, unless it is spelled out clearly so there are no doubts at a later date.

Dividing Marital Property and Debts

Many people try to divide each asset as they discuss it - your half of the house is $ 4,000, my half of the house is $ 4,000. Since you will rarely divide the house like this, this may not be the most useful way to go about it. It may be more practical to list each asset as a whole item under the name of the person who will keep it.

For example, in the wife's column, list the marital equity in the house if she is thinking of continuing to live there. List the entire value of the husband's retirement in his column, if that is your initial inclining. An advantage to this method is that it allows you to see the balance, or lack of it, of your initial plan as you develop it. If you want to know dollar values, you may need a third party, such as an appraiser, to help you determine them.

This is the time to have a real heart-to-heart discussion with your about-to-be-ex about the range of his or her sense of fairness. Ask:

• Is the only possibility for a 50-50 division of things by value? By number?
• Are you more interested in cash than in things?
• Will you take less than 50 percent if your share is all cash?
• Are you more interested in future security than in present assets?
• Are you willing to wait for a buyout of your share, such as house selling or retirement, and are you looking for more than 50 percent to compensate you for waiting?
• Are you interested in a "lopsided" agreement (more to one of us than the other) to compensate for the larger earnings made by you or your spouse?
• Do you want to be "made whole" - meaning ending up where you were at the beginning of the relationship?
• Do you need to be compensated "off the top" for some contribution you made to the acquisition of property?
• Is there a possibility that any assets or investments are hidden?

If you both can agree on a generic plan that meets each of your ideas of fairness, you will find you have an agreement that practically wrists itself. The bonus is that you save on lawyer's fees.

As you allocate the debts, decide first whether they are marital, separate, or a mix. Then agree who will pay off the balance of each. Remember that the problem of unsecured debts may be handled more easily as if it were a monthly credit card payment than a division of your property.

Think about the long-term effect of the division of assets and debts you are considering. For example, suppose you get all assets that appreciate slowly or depreciate, and which take money to maintain (home, car, furniture). Then suppose your spouse takes all assets that increase in value or produce income (stock, retirement accounts, rental home). Guaranteed, in a few years after the divorce, what in the short term appeared to be "fair" or "equal" will look quite different. Your spouse's net worth will far exceed yours - and the gap will just continue to widen.

The word bankrupt strikes fear in the hearts of many people - especially those going through divorce. You may be trying to decide whether it is better to ask for alimony or a property settlement note and are addressed in indecision. Perhaps your spouse has threatened either to leave the country if anyway is required or to file bankrupt if money is owed or a property settlement note is due. Let's look at some of the rules of bankruptcy as they apply in divorce situations.

Two types of bankruptcy are available: Type One allows you to develop a payoff plan over a three-year period and Type Two allows you to liquidate all of your assets and use the proceeds to pay off debts, erasing debts that can not be paid in full .

Type One bankruptcy may reserve the assets and allow the debtor to pay off all the secured debt, as well as a portion of the unsecured debt, and discharge the rest of the unsecured debt. The debtor needs to make payments under a plan that is approved by the bankruptcy court.

Type Two bankruptcy forgives all unsecured debts and requires the forfeiture of all assets over a certain minimum protected amounts. Creditors have the right to repossess their fair share of the assets. The net proceeds from the sale of assets are divided pro rata among the creditors.

Here are some things to remember:

• If a spouse files bankruptcy before, during, or after dispute, the creditors will seek out the other spouse for payment - no matter what was agreed to in the separation agreement.
• While you are still married, you can file for bankruptcy jointly. This will eliminate all separate debts of the husband, separate debts of the wife, and all jointly incurred domestic debts.

Caution - promissory notes or property settlement notes, especially unsecured notes, are almost always wound out in bankruptcy. Some secured notes, depending on the property that secures them, can also be discharged. Here's what happened to Cheryl: Sam and Cheryl divided all their assets. To achieve a 50-50 division, Sam still owed Cheryl $ 82,000. He signed a property settlement note to pay Cheryl the $ 82,000 over a ten-year period at 7 percent interest. After the divorce, Sam filed for bankruptcy and listed the property settlement note as one of his debts. Cheryl never received a penny of the money that was due her.

Note: Certain debts can not be discharged in bankruptcy. These include child support, maintenance, some student loans, and recent taxes.

Use Reverse Phone Lookup to Stop Harassing and Obscene Calls Within 45 Seconds

Every body receives irregular calls at any time. Some callers use threatening and obscene language when they call, some just get silenced to get your angry response and want to make you irritated and some take heavy breaths to terrify you and everyone facing these kinds of calls at any time or mostly at night. Is there any way to stop these calls? Yes, if you want to find the way you have to read this out.

What should you do to stop those harassing calls? Never give response to those callers just note down the number from they call and the rest I will going to tell you how can you stop these calls. May be you are thinking to hire a private detective to trace out, who is calling? But it will cost you very much and takes a time of at least a week. If you want to go to the cell phone companies and ask them about the details of that number, so i will tell you these companies have the rights to keep information of their customers private.

The best way of all, to trace a cell phone number is reverse phone lookup, you do not have to go anywhere from your home you get the information of that caller, all you need is just a computer and an internet. Thorough reverse phone search you are able to get the information like; the name of caller, his address, household members and many other information within the time period of maximum 45 seconds. These information are huge enough to make a proper complaint.

An Introduction to CNC Turning Machines and How They Can Help Boost Productivity

For those that are not sure of what CNC turning machines are, these devices are machines that would make your milling, drilling and machining tasks a lot easier with the help of Computer Numerical Control (CNC). Highly thought-after in the world of manufacturing and processing of components, these machines are able to produce precise, accurate parts and components in fast and cost-effective manner. Some of the parts that are manufactured precisely through the use of these devices include aerospace components, automobile parts and many other different components. If you are unsure of whether you need these CNC turning machines or not for your business, going through the benefits of these devices and exploring how they can help to boost productivity might help you decide.

Wondering how CNC turning and milling machines can help enhance your productivity and increase your profit margins? Here are some of the reasons how:

1. CNC-based machines work based on CAD / CAM software that can produce and manufacture large output numbers without any compromises in terms of precision or accuracy. In return, you would have an advantage over your competitors that do not own such machines, as they would be limited by the limitations of manual labor. One good example is the outstanding capacity of these CNC milling and turning machines to perform multi-axis cutting processes, for instance a machine can work on 5 or 6 different axis, so you can produce fine and precise components when you own such a machine


2. You would be able to save your design and re-fabricate the same design over and over again when required. The utilization of CAD / CAM software allows this to happen, so you would save plenty of time once you have a design saved, all you have to do is retrieve the design and start manufacturing


3. These CNC turning machines come with good waste and chip management modules, so you could rest assured that you will minimize waste and your device would also be able to manage your wastage well


4. By owning a CNC turning machine, you are also making your plant environment a lot safer to work within. Instead of exposing your workers to the dangers of cutting, milling, drilling and other machining processes, let the machine take all the danger and shield your workers from such dangers. Your machine can also work for long hours without much issues, so instead of having a manual worker perform the same task (he would be given to fatigue), opt for a machine to do the task instead. You would automatically increase your productivity rate!


5. You would be able to produce a wide range of products without much restrictions when you own a CNC turning machine. When you are able to manufacture different products with varying levels of complexity and difficulty, you have found yourself a niche in the marketplace to distinguish yourself from your competitors

CNC turning machines are suddenless expensive, so if you can not afford these machines, consider outsourcing the processes instead and continue to reap the benefits. All the best!

Option Trading Basics

Options trading can increase the profits you make when trading Stocks if you understand how to use them and know what you are doing. Options can be a very useful tool that the average investor can use to enhance their returns.

This article - Options Trading Basics, looks at what options are and discusses some of the options trading strategies traders can use with these versatile instruments.

Options - An Overview

Options give the buyer the right, but not the obligation, to buy (a call option) or sell (a put option) the underlying Stock or futures contract at a specified price up until a specified date.

In other words, options are like tradable insurance contracts.

An investor can purchase a Put option as insurance against a decline in the Stock price or a Call option in case the Stock rises. Buying an option gives the purchaser time to decide whether they will buy or sell the underlying Stock. The price is locked in until the expiration date, which in the case of LEAPS can be years into the future.

Options trading has several advantages that every Stock Market investor should be aware of, such as high leverage, lower overall risk than owning the physical security, more versatility and the ability to generate extra income from a current Stock portfolio.

An option of value fluctuates in direct relationship to the underlying security. The price of the option is only a fraction of the price of the security and therefore provides higher leakage and lower risk - the most an option buyer can lose is the premium, or deposit, they paid on entering into the contract.

By purchasing the undering Stock of Futures contract itself, a much larger loss is possible if the price moves against the buyers position.

An option is described by its symbol, whether it's a put or a call, an expiration month and a strike price.

A Call option is a bullish contract, giving the buyer the right, but not the obligation, to buy the underlying security at a certain price on or before a certain date.

A Put option is a bearish contract, giving the buyer the right, but not the obligation, to sell the underlying security at a certain price on or before a certain date.

The expiration month is the month the option contract expires.

The strike price is the price that the buyer can either buy call) or sell (put) the underlying security by the expiration date.

The premium is the price that is paid for the option.

The intrinsic value is the difference between the current price of the underlying security and the strike price of the option.

The time value is the difference between current premium of the option and the intrinsic value. The time value is also influenced by the volatility of the underlying security.

Up to 90% of all out of the money options expire worthless and their time value primarily Declines until their expiration date.

This clue offers traders a very good hint as to which side of an options contract they should be on ... professional options traders who make consistent profits usually sell far more options than they buy.

The option contracts that they do buy are usually only to hedge their physical Stock Portfolios - that this is a powerful distinction between the punters and small traders who consistently buy low priced, out of the money and close to expire puts and calls, hoping for a big payoff (illegally) and the guys who really make the money out of the options market every month, by consistently selling these options to them - please read the rest of this article.

The seller of the option contract is obliged to satisfy the contract if the buyer decides to exercise the option.

Therefore, if he has sold Copped Call options over his Shares, and the Stock price is above the option strike price at expiration, the option is said to be in-the money, and the seller must sell his shares to the option buyer at the strike price if he is exercised.

Sometimes an in-the-money option will not be exercised, but it is very rare. The option seller (or writer) has to be prepared to sell the Stock at the strike price if exercised.

He can always buy back the option prior to expiration if he chooses to and write one at a higher strike price if the stock price has rallied, but this results in a capital loss as he will usually have to pay more to buy the option back than the premium he received when he originally sold it.

Many option writers simply get exercised out of the Stock and then immediately re-buy more of the same or another stock and simply write more call options against them.

The buyer of an option has no obligations at all - either either sells his option later at a profit or a loss, or exercises it if the stock price is in-the-money at expiry and he can make a profit.

The vast majority of options are held until expiration and simply decay in price until there is no point in the hapless buyer selling them. Very few options are actually exercised by the buyer. The vast major expend worthless.

Having said all this, lets look at an example of how to use options to gain leverage to a Stock price movement when the trend does go in our favor ...

For this example we will use MSFT as the underlying security. Let's assum MSFT is trading for $ 24.50 a share and it is early January. We are bullish on this Stock and based on our technical analysis we think that it will go to $ 27.50 within two months.

In this example, we will ignore Brokerage costs, but they do have an effect on the percentage returns. The prices and price moves of the Stock and the options are hypothetical - they are intended as a guide only.

Buying 1000 physical shares will cost $ 24,500 and if we sell our position at $ 27.50 a share, we will make a profit of $ 3,000 or a 12% return on our capital. We will have $ 24,500 at risk if we take this position for a potential of 12% or $ 3,000 profit.

Instead of using cash to buy the physical Stock, we can buy 10 call options with an expiration that is at least three months into the future and a strike price that is close to current price of the underlying security.

10 contracts represent 1000 shares of the stock, a call option is bullish, three months until expire gives us some time for a quick move, and buying an option with a strike price that is close to the current price of MSFT allows us to get the full potential of the intrinsic value.

We buy 10 MSFT $ 22.50 April Call options. These options are currently selling for $ 2.80 and they are in the money.

$ 24.50 (the current price of the Stock) minus $ 22.50 (the strike price) is $ 2.00, which is our Intrinsic value. $ 2.80 (the option premium) minus $ 2.00 (the Intrinsic value) gives us $ 0.80, which is the Time value.

If the price rallies to $ 27.50, as we believe it will, the intrinsic value of these same options at that point will be $ 5.00 ($ 27.50 - $ 22.50). That means that if the Stock gets to $ 27.50 a share, our option premium would be at least $ 5.00 plus a small amount of time value, depending on the remaining time until expiration.

Ten option contracts will cost us $ 2,800 ($ 280 times 100) and if MSFT goes to $ 27,500, we could sell our option contracts for at least $ 5,000 ($ 500 by 10 contracts), maybe more.

We will have $ 2,800 at risk if we take this position, rather than the full price of the Stock ($ 24,500) for a potential of 80% or $ 2,200 profit, plus whatever time value is left in the option, probably another $ 100.

Our options buying strategy cave us a much larger percentage profit with a much smaller potential risk. Do not forget that, for us as the buyer, these options will expire worthless if not sold or exercised by the expiration date.

The option seller or writer simply has to sit back and wait until expiry to see if he is going to be exercised. If the Stock price is below the strike price at expiration, it keeps the premium and can write another option over the same Stock.

If the Stock price is above the strike price, he will most likely be exercised and will have to sell his shares if he does not exit the position by buying his options back on the open market (quite often at a higher price than he originally sold them for).

The downside of buying the option over the physical Stock is that if you bought the Stock itself, even if the price had not moved, you would still own it, but by buying the option, if the price does not move in the desired direction , you lose part of your trading capital.

To make options trading work, the undering security must move fairly quickly in the direction you expect, or you will lose money at an ever increasing rate as the expiration date draws nearer.

As you can see, options strategies can offer much higher percentage returns with less risk for the same trade. The majority of your cash is still safely in your trading account rather than being exposed to the market.

This is just one example of using options trading to increase your Stock Market returns. There are many more strategies and ways to use options and I encourage you to explore them further.

All options expire worthless if they are not in-the-money at expiration, so the buyer must close out or exercise his position on or before the expiration date or he will lose the entire premium.

The time value portion of the option premium decreases periodically until expiration date. The closer to expire, the faster the time value decreases, as there is less time for the option to move in the desired direction for the buyer.

For buyers, top traders advise never to hold an option with less than 30 days to expire due to the exponential rise in time decay during this period.

For sellers, it is usually most profitable to write options that have 30 days or less to expire, due to this same time dece effect ... the buyer of these options has the odds stacked against them and will require a large price movement in his desired direction to make a profit - remember, the vast majority of options expire worthless - so this is the side of these instruments the wealthually find themselves on - just a thought ...

There are many other intricacies of options trading that investors and traders should be aware of. This article is only an introduction to options trading and there is a lot more information for you to learn.

For a more in-depth look at the various Options strategies available, visit AcornTrader.com.

This page has a series of articles on options trading and outlines some of the strategies merchants can use to profit from these extremely flexible vehicles.

We encourage you to study these instruments carefully if you decide to trade them. Then use the trend trading strategies outlined in these stories and articles to position yourself on the right side of the market - whether as a buyer or a seller.

To Your Trading Success,

Resume for Chief Auditor

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7 Thai Phrases You Should Learn to Impress a Thai Girl

So, you've decided to take my advise and find a Thai girlfriend. Great! That is the first step to a very happy life for you. So the first thing is to go out and find a girl. My past articles have given some great advise on how to do that and there will be plenty more advise in the future. But once you do find that special Thai girl, you will want to impress her by knowing a few words / phrases that will come in handy when impressing your new Thai beauty.

Today, I'll go over 7 Thai words / phrases that you should know when dating or trying to date a girl either online or when traveling to Thailand. Keep in mind that these are rough English pronunciations to the actual Thai words. The good news is that most Thai girls can read at least a little English and will be able to understand these English written Thai words and phrases if you are chatting online using IM or on Thai dating websites. Let's get started!

1. The first thing you should learn is to tell your Thai girl that she looks beautiful. This can be said as the following: Sway mak. The word "sway" means beautiful and "mak" translates into very. Alternately, you can say: "Narak mak" which translates to "very cute".

2. Next, you should know what she might reply to you when you tell here she is beautiful. She may just say "hob khun ka" which is Thai for "thank you". Or she may be sassy and say "pak waan" which means "sweet mouth". This is a cute and flirty way of a Thai girl that means she does not fully believe your sweet words to her.

3. If you are just meeting your Thai lady, you may want to ask her if she already has a boyfriend or kick, To do this, say: "Khun me faen mai?" This literally translates to: "you have boyfriend?"

4. When you are starting to get serious with your Thai girlfriend, it may be time to start calling her by the name that Thai ladies love. The word is "tirak". When you call her this, she's literally melt with happiness. But just be sure that you mean it first!

5. If you are talking to a girl and it's late, you might want to tell her "sweet dreams". To do this you can say: "Faan dee". She'll really like that and go to sleep thinking of you. Trust me.

6. Lastly, and perhaps most importantly is the first night you go on a date. If you are in Thailand, make sure to go to a nice romantic restaurant and bring a bottle of wine. Raise you glass and say "chon gaow". If you are drinking from a bottle, say "chon cuord". "Gaow" means glass and "cuord" means bottle.

7. The final phrase you will want to learn when dating a Thai girl is the big "L" word. To say I love you, simply say "Pom rak khun". I'll leave the rest up to you!

Benefits Of A Tree Removal Service

Having some trees around the house may make people's house look more appealing. They may place more than just a single kind of trees to add even more aesthetic to the visual of their house. However, unfortunately, there will usually be times when these people have no other choice but to completely remove the trees they have been taking care of for quite a long period of time. This may take place due to quite a few factors. There are times when trees may get rotten. There are also times when trees are going to die. Thus, when all these things take place, it is not quite likely for people to let the trees remain where they are which is around their house. This is when tree removal service comes in very handy.

Yet, some people may assume that it is fine for them to remove their trees by themselves. Those are their trees after all. Unfortunately, this is not a correct assumption at all. Attempting to remove trees may prove to be extremely dangerous, especially for those who do not have adequate experiences in doing so. The risks get even bigger if the trees are the big trees.

Fortunately, with the help of a tree removal service, people will not have to worry anymore about all those issues. This tree removal service is usually able to carry out tree pruning, tree trimming, partial tree cutting, removal of parts cut off tree and also tree felling.

This tree removal service is also beneficial in that it usually offers cleaning up as well. This is very handy taking into consideration what kind of messes that can show up after a tree has been cut off. And if people need some firewood to prepare, they can make use of the service offered by this particular kind of services as well.

However, it is necessary for people to make sure in advance that they are asking for services from those who are indeed trained professionals in the field. In order to put their mind in peace in this case, it is recommended that these people request to see the license that is possessed by each of the tree service members. Also, they need to carry out a background check with regards to which tree removal company this service may have come from, whether or not they are really the company's staffs and if their licenses are actually valid.

If everything goes fine, the next thing that those people may need to worry about is how much money they have in their budget. This plays a very important role in obtaining the best tree removal service professionals. Fortunately, thanks to the internet, people can now try making a comparison first regarding the tree companies in existence and the rates they offer.

Then, once they have found the one they consider to be the best deal, they can start calling the service and rest assured, all they have to do is to enjoy the benefits this service can offer.

The Gold IRA Rollover: Learn How to Invest Like a Billionaire

It's been said that imitation is not only a great form of flattery, it's also the best way of learning and modeling on the success of others. If it's financial success you're looking for, what better role model could there be than a billionaire?

What Billionaires Know

Though their world views may have little in common, billionaires like George Soros, John Paulson, and Carlos Slim have all admitted to holding a part of their wealth in gold. Even Warren Buffet, who personally prefers what he calls "productive investments," admits that gold has served investors well especially during times of inflation.

Do you remember those dark, dark days of 2008 when the stock market's near crash caused retirement accounts to lose $ 2 trillion in a mere 15 months? Guess where your money could've been at that very same time gaining in value instead of losing it?

That's right, gold.

Had you purchased gold in 2001, by 2011 you'd have seen your investment grow by 700%. Let's say that again: a growth of 700%. This same decade was also one of the rockiest economic periods in human history. As the stock market fell, gold thrived. Why? Because when the stock market tumbles and big money investors look for other safer places for their money, precious metals is often where they go.

Could this all happen again? Well, today we're inside the largest stock market bubble in history. Many experts believe it's only a matter of time before that bubble bursts again. If you do not want to again see your retirement accounts lose their value because of another collapse of the economy, the time to change your investment process is now.

Why the Billionaires Own Gold

Gold is nature's hard asset. Gold has been civilization's store of value for thousands of years because gold is a tangible and finite resource with high intrinsic value. Gold is an alternate form of money all over the world. (It was mentioned in the Bible 417 times.) Gold is not subject to the sections of dilution and devaluations of other paper investments like stocks, bonds, and mutual funds. Neither is the value of gold at the mercy of governments or financial institutions. It can not be printed like money, and unlike stocks, it will not ever merge or split. Gold historically moves against the direction of the stock market. Billionaires know that gold is an excellent way to reduce the volatility and vulnerability in their capitals.

If you want to protect and preserve your wealth, there's no better place than gold.

When Is the Best Time to Buy Gold?

Many market oracles believe, at the time I'm writing this, that gold is in the final stage of a bear market. Some experts believe that at current prices gold is still undervalued by as much as 50%. This may be the epic rise that gold experts have been overing over the years.

But even if it does not experience an epic rise in value, gold is still a necessary means to protect the value and diversify the portfolio you've got.

The best time to buy gold may be now.

How to Bring Gold into your IRA

If you have a self-directed IRA , you can direct some of your IRA funds to be invested into gold. The only requirement is that the gold meets certain purity and refinement standards. The easiest way to invest in gold is through a self-directed IRA.

A self-directed IRA investment is like a regular IRA except that you the investor get to choose how your IRA funds will be invested instead of the trustees or custodian. This gives you flexibility to invest your money in whatever way you feel comfortable. It can also ensure that you are always aware of where your money is and how it is being invested.

In this IRA the gold does not get delivered to you once you purchase it. The reason for this is that delivery of the gold would be considered a disbursement of your IRA and you would probably be obligated to pay penalties. Therefore, once you've decided to put your money towards gold, you will then have that gold delivered and held for you at a designated depository. You will be informed when your gold reaches the depository and you will never have to worry about your gold ever being taken out of the depository or used by anyone but you.

Learn What the Billionaires Know

Billionaires may not have to worry about retirement 401 (k) s and IRAs, but the rest of us do. Now you can learn to invest like a billionaire by downloading our new FREE mini-course entitled "Essential Guide to Successful Gold & Silver Investing." This powerful course was designed to offer tips and expert advice appropriate for both the savvy investor and the beginner and could save you thousands of dollars in your own investing decisions. While you may not be able to live like a billionaire, at least today you can learn to invest like one.