Motivation for Action when Diagnosed with Mesothelioma

Mesothelioma is a rare and aggressive cancer that affects the linings of the body cavity. It can take anywhere from 20 to 50 years before symptoms of mesothelioma present themselves but when they do, the patient often has less than a year to live.

Asbestos is the only known cause for this disease and there is no known cure. If you have been diagnosed with any of the many forms of mesothelioma you will want to take action on a number of fronts. Initially, you may be too overwhelmed to think about what actions need to be taken but once your world clears a bit you will be able to plan for your medical and legal that are affected by the diagnosis.

Action on the Medical Front You need to become an active participant in the medical process. You should try to understand the disease, how you got it and how it is treated as best you can on your own. Then you should have a good, long talk with your personal physician about how to go about treating the disease and what options you have given your prognosis.

Your doctor will likely refer you to an oncologist (a cancer specialist) who can give you insight into the disease and the treatments available, traditional and experimental. The motivation for medical action is trying to not just survive, but to live well after diagnosis. You want to have a decent quality of life that includes medical and psychological treatment.

Action on the Legal Front On the legal end of things you need to handle the filing of lawsuits as soon as you have a confirmed diagnosis of mesothelioma. You will have to get your medical paperwork together as well as paperwork that supports your claim to exposure due to negligence.

In many cases the companies that processed and worked with asbestos were aware of the hazards to the health of the people employed in the factories and mines. It was a conscious choice to ignore the risks, not provide protection and cover up the hazards involved from the public. People have had settlements ranging from the hundreds of thousands to the hundreds of millions of dollars and have had their entire medical cost covered by the former employer.

There is a statute of limitations for filing lawsuits for mesothelioma. In cases of confirmed diagnosis you have to file within a year and a half, and in cases of death that is confirmed to have been due to mesothelioma the family has less than a year to file. The motivations for legal action are the payment of medical expenses and compensation for pain, suffering and death.

http://www.rarehope.com

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The ABC's of For Sale by Owner (FSBO)

Congratulations - you have made a decision that will likely represent the largest and most significant savings of your life. If your home is worth $278,000 (national average sale price of existing home) its a decision that can potentially save you over $16,000.

Here is a Step by Step For Sale by Owner Guide.

Step 1 Prepare your FSBO home for sale:

The simple fact of the matter is that the better your home looks and the general state of repair it is in is going to have a tremendous impact on the overall value and salability of your home. There are literally thousands of articles on the internet that will walk you through various tried and true methods to squeeze the most out of your home sale.

Step 2 FSBO Appraisal

Get a professional appraisal. You can pay for one ($40 - $100) or you can usually get a local realtor to perform an appraisal in the hope of listing your property after you give up trying to sell it yourself. Either way you obtain a realist price based on comparables. One of the most common mistakes by For Sale by Owners is pricing their home too high or too low either way you lose. A professional appraisal can be a valuable sales tool to have it on hand when prospective buyers visit your For Sale by Owner property.

Step 3 List Your FSBO

Online Listings - First step is to get your home listed there are several online venues that offer an opportunity to create an FSBO online listing. Prices range from FREE to $999 depending on package. The internet has leveled the playing field significantly for FSBOs over 70% of all homebuyers see the property they buy online first!

Flat Rate MLS There are real estate agents that will provide what is referred to as a Flat Rate MLS fee. These agents simply charge a flat fee usually in the $499 range to expose your property to the Realtors greatest sales and marketing tool. You agree to pay a pre-arranged commission (usually 2.5 3%) to a selling agent but maintain the right to find your own buyer and sell your own home without paying a commission fee. This route provides has a higher success rate then a pure FSBO sale and the homeowner still saves 3% on the sale of their home.

Step 4 Market your FSBO

There are many marketing steps and opportunities, but there are primary items associated with a successful FSBO sale. Number one is professional signage (18% of all home sales are initiated by a real estate lawn sign). Once you have your sign up you want to get as much exposure as possible. As previously stated there are several venues to list your home some are free  - the most prominent free listing sites are Craigslist and FreeFSBO.com. The next step is traditional advertising, its unrealistic to think you can sell your own home and not incur some marketing costs. Once you have your sign and FSBO reference # you can start with some low cost classified advertisements that direct prospective home buyers to your online FSBO listing. You may also want to consider Open Houses although I am not totally sold on their direct value to the homeowner. I know Realtors use them as lead generation events visitors may not be interested in your home but they are interested in a home. Since you are only concerned with one home the value of an Open House should be strongly scrutinized. Word of Mouth is another marketing tool tell people you are selling your home you would be amazed how many people buy homes from people they know. They may also know someone looking to move into the area. Print some flyers and get them up on local bulletin boards (grocery stores, video outlets etc).

Step 5 Show your FSBO home

So now you have a prospective buyer. Set up an appointment and make sure house is as neat as a pin (see Step 1: Prepare your home for sale). Escort the prospective buyer walk through your home at their pace. Answer questions, if prompted, dont give long winded whimsical narrations in each room - once you walked through the home you can ask them if they would like to go through the home again by themselves while you make coffee or tea. Dont be too chatty or pushy. They are their to see your home not to become your new best friend. Remember, they are typically with a Realtor that has little or no knowledge of your home try to act professional and helpful throughout the showing.

Step 6 Sell your FSBO Home

Make sure you have a sign in book to capture name and phone number of potential buyer. Follow up the day after showing. Just a simple Hi, Im just following up to see if you had any questions regarding the home If they ask questions I would answer a few but tell them you will get back to them with some answers. This gives you a reason to stay in contact. Try to encourage written offers. There are great state specific Home Sales Kits that provide all the documentation required to facilitate the legal sale of your home - US Legal Forms is a great source (the state forms are in the $40 range).

Step 7 Close your FSBO home sale

Spotting Buyer Signals is easier then it sounds. Once you have a prospective buyer that has shown strong interest you have to ask for the sale. Here are some great trial close lines - what would it take to put something to paper or you sound very interested, are you ready to write an offer? or you can take the lighter, direct approach clap your hands together and say while - lets write it up. Remember to be yourself. Bottomline is most people will drag their feet unless there is urgency. I dont think you should create false interest but if there are other scheduled showings let the prospective buyer know.

So, now you are ready to sell your own home? No - but you are certainly better prepared. The internet is a glorious tool that is full of helpful hints on how to sell your own home leverage that resource. As you know the savings associated with a successful FSBO sale is tremendous. Any advantage or edge you can gain will save you thousands of dollars it is definitely worth the effort.

Mark Camphaug is currently President of FreeFSBO.com and its parent Martcam LLC. FreeFSBO.com (http://www.FreeFSBO.com) is a For Sale by Owner (FSBO) website that offers a free online listing and free real estate lawn sign to prospective FSBO home sellers. Camphaug spent the last 6 years as Vice President of one of the worlds largest and most successful Interactive Marketing Agencies where he specialized in all aspects of internet marketing, including SEO, PPC, Email and Affiliate marketing. Prior to that Camphaug spent 12 years in the competitive new home industry, duties included sales, marketing and client relationship management.

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A Few Simple Steps to Make your Garden Look Great

The reason that I enjoy gardening so much, not only for myself, but working in other peoples gardens is the transformation that can be done, sometimes in a relatively small space of time. As such offering garden services to others is a pleasure and not a chore.

The main reasons for people calling in someone to look after their garden is because they simply dont have the time but also because they lack the knowledge that is required to transform a basic ordinary garden into a colourful and tidy place that you can lounge and relax in on those hot balmy days during the summer months.

I am often called into gardens that have let nature take over, the main structure of the garden is in place, but the beds and borders have been swamped by weeds. The lawn is growing into the beds as well; they have lost their way and need redefining.

Garden Lawn Care

The lawn will need to be cut, preferably with a good rotary or cylinder mower. Hover mowers are great if you have banks and slopes to contend with, but a rotary or cylinder mowers will give your lawn the nice cut that is required. Rotary mowers have an advantage over the cylinder mower in that they are simpler to use and generally the ground does not have to be 100% even. They are also easier to maintain than a cylinder mower. A cylinder mower is generally used if you want a bowling effect lawn, which most people do not. To finish the lawn off you must always cut the edges. If the edges need redefining then use a lawn-edging tool.

Garden Beds and Borders

Always ensure the beds and borders of your garden are kept tidy by regular weeding. This can be achieved using a long handled hoe. Although this can seem a bit of a chore it will later pay dividends. The main structure of the planting should be created using shrubs. Then you will have your perennial plants and finally for that splash of additional colour through the gardening calendar summer bedding, spring bulbs which can include snowdrops, crocuses, daffodils, tulips and many more. Also ensure that any shrubs are kept in check by pruning at the required times. For example spring flowering garden shrubs need to be cut and tidied after they have flowered. This will ensure new growth during the summer for flowers the following year. Be sure to place plants in an environment in which they will feel at home in.

Patio Cleaning

Patio areas need to be kept clean and tidy. This can be undertaken by the professional using specific patio cleaning equipment or by pressure washing. There are also many chemical cleaners on the market. Patio paving can cost a client large sums of money to have installed so it is worth looking after this area for longevity. Additional sand and cement mix brushed in between the paving may be required after either of the above processes.

Gravel Areas and Pathways

Keep any gravel areas free from weeds either by using a systematic weed killer or getting down on your hands and knees and removing the garden nuisances by hand using a trowel for example.

For more information regarding garden maintenance services or patio cleaning please visit acresgm.co.uk

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Buying A Home: Some Financial Points

Taking the time to consider all the financial arranging that must be done in the process of buying a home is well worth the effort. This is a huge purchase and it will definitely affect your financial future like nothing else. Many home buyers rush into situations that end up being financially damaging and that can be a heartbreaking situation. The excitement of buying a home can be overwhelming to a point where commonsense things seem to pass right by and sometimes bad choices are made. So what can you do to ensure that you don't make those choices and that everything is going how it should? Well let's start by looking at the financial preparations that one should make when buying a home.

One of the biggest mistakes that people make is starting to shop for home before finding out how much they can get in a mortgage loan. This can lead to big disappointment when they discover that what they are actually eligible for does not meet the amount they need for the home they have already found. To this end, any buyer should get fully pre-approved for a mortgage before the home shopping starts in earnest. Once this is done then you will know exactly what you can afford in a home and there won't be any disappointments.

Another thing that many people do not take into account when buying a home is the large number of additional costs that are involved with the purchase. There are many costs associated with closing on a home that will have to be provisioned for as well. One thing that you should always figure into the cost of the home is the closing costs. Make sure that you get a good faith estimate of these costs from your lender so that you can build them into the budget when the time comes. Also, don't forget the inspections that will need to be done in order for the home to clear closing. This is a standard subject on real estate transactions that no buyer should pass over. Inspections will tell you if there are any structural concerns that could be detrimental to the sale or to you as the buyer. Also, try to factor any immediate improvements into your budget so that the money is there if you choose to do them right off the bat. The excitement of buying a home can be overwhelming to a point where commonsense things seem to pass right by and sometimes bad choices are made. So what can you do to ensure that you don't make those choices and that everything is going how it should? Well let's start by looking at the financial preparations that one should make when buying a home.

One of the biggest mistakes that people make is starting to shop for home before finding out how much they can get in a mortgage loan. This can lead to big disappointment when they discover that what they are actually eligible for does not meet the amount they need for the home they have already found. To this end, any buyer should get fully pre-approved for a mortgage before the home shopping starts in earnest. Once this is done then you will know exactly what you can afford in a home and there won't be any disappointments.

Another thing that many people do not take into account when buying a home is the large number of additional costs that are involved with the purchase. There are many costs associated with closing on a home that will have to be provisioned for as well. One thing that you should always figure into the cost of the home is the closing costs. Make sure that you get a good faith estimate of these costs from your lender so that you can build them into the budget when the time comes. Also, don't forget the inspections that will need to be done in order for the home to clear closing. This is a standard subject on real estate transactions that no buyer should pass over. Inspections will tell you if there are any structural concerns that could be detrimental to the sale or to you as the buyer. Also, try to factor any immediate improvements into your budget so that the money is there if you choose to do them right off the bat.

John Mejia is a real estate agent specializing in Birmingham real estate. If you are looking for a new home in Alabama, contact John today or visit the Mejia Group online at http://www.themejiagroup.com

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Mesotherapy

Mesotherapy is a form of treatment that involves injecting tiny amounts of a substance into the mesoderm, which is the layer of fat and connective tissue directly below the skin. It is thought that the injection of certain substances can either dissolve underlying fat, or cause healing by other mechanisms. Mesotherapy has been used in France and other European countries since the middle of the 20th century to treat conditions such as obesity, hair loss, sports injuries, and certain diseases of the circulation. It has only recently caught on in the US as a form of treatment for cellulite and localized fat.

The exact substance injected under the skin depends on what condition is being treated. Natural compounds, synthetic drugs, local anesthetics, and vitamins may be injected; these are thought to dissolve underlying fat and thereby cause weight loss. A tiny needle is used to inject the substance, making this a less painful treatment than conventional injections with larger needles. Multiple treatment sessions are usually needed. A single session may cost up to $600 or more, and may include special diet and exercise plans.

At present, Mesotherapy is considered a form of alternative medicine in the United States, and is somewhat controversial. Mesotherapy practitioners and patients often claim excellent weight loss results in as little as four or five treatment sessions. However, Mesotherapy treatments are empiric, and currently lack concrete scientific evidence of how exactly they work. Critics of Mesotherapy are unsure whether the weight loss reported by advocates is attributable to the treatment itself or to lifestyle changes.

In the US, the practice of Mesotherapy is largely restricted to trained and licensed physicians, such as plastic surgeons. However, no license is currently required to be a mesotherapist. It is therefore important for anyone considering Mesotherapy to find out what substance is being injected, how many treatments are required, and what potential side effects may occur.

Mesotherapy provides detailed information about mesotherapy, cost of mesotherapy, mesotherapy before and after, mesotherapy injections and more. Mesotherapy is the sister site of Mesothelioma Doctors Info.

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New Construction Concerns

Many people are of the opinion that when purchasing a new construction home that there are few concerns, the home is brand new; so what is the worry? Unfortunately there are some new construction home that have more problems then their older counterparts for a variety of reasons. One of the most unfortunate of these is unscrupulous contractors and builders. With the current housing boom, homes are being constructed faster than ever before and some new homes have sadly declined in integrity as builders strive to maintain their bottom line by using sub-standard materials and labor.

Before buying a new construction home, do some research and investigate the builder in question. What is their track record like? If they have done other projects, talk to the owners and find out if they have anything to say about their experience, positive or negative. Remember, this is a huge purchase, so don't rush into anything simply because it "looks" good.

If you spend some time online you can learn about various different kinds of housing scams that are being run by less than honest builders. Take into account that these scams usually involve the "suggested" mortgage company and other people involved in the construction and sale of the homes.

One things that s absolutely necessary before purchasing any home new or old is a home inspection. It is a falsehood that inspections are not required for newly built homes. What if there is an error in the foundation, or the wiring? Maybe there have been sub-standard materials used in the plumbing or heating systems? Are you ready to take that chance? Always be wary of sellers that downplay the necessity of the home inspection on homes new or old. If they want to skip the inspection, there might be a significant reason for it.

Ed Kirkland is a realtor specializing in the Destin, Florida real estate market. For years Ed has made it his life's work to bring buyers and sellers together. Contact Ed today for more information or visit the team at http://www.edkirkland.com

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Recent Developments in the UK Mortgage Industry

In recent years, the UK mortgage industry has benefited from financial deregulation and also faced challenges from the unprecedented boom in UK house prices.

Financial deregulation means that there is increasing competition between banks, building societies and online mortgage lenders. The financial deregulation has also led to an increasing, and at time bewildering, range of new mortgage products

Most significant New Types of Mortgages

Current Account mortgages.

Current account mortgages are becoming increasingly popular because they offer homeowners the opportunity to combine their current account with their mortgage debt. They are particularly useful for people with large current accounts and who pay the higher rate of income tax. Savings in the current account are automatically used to reduce the mortgage capital. Therefore, this leads to lower interest payments.

Interest Only Mortgages.

Interest only mortgages, have also increased in popularity, partly as a result of rising house prices. This is because first time buyers struggle to get a mortgage, Interest only mortgages offer an option for making mortgages more affordable, especially in the short term. However, they rely on homeowners being able to invest in alternative schemes to pay off the capital at the end of the term. There are concerns that interest only mortgages are a quick fix, leaving first time buyers vulnerable to rising interest rates.

Self Certification mortgages.

Self certification mortgages enable people to borrow a certain amount without having to prove their income. They are primarily aimed at the self employed. The argument is that if people have variable income or have difficulty proving income, then self certification is a way to bypass the traditional lending criteria. However, there are concerns that the increased popularity of self certification mortgages are a way for people to borrow more than they really should. Given the rise in house prices, self cert mortgages have been a way for people to stretch themselves financially and borrow high income multiples. An investigation by the FSA into self certification mortgages found that mostly the system was not being abused. However, there was a necessity for banks to undergo more checks than previously.

The impact of Rising house prices on the UK mortgages.

House prices in the UK have more than doubled in the past 6 years. This means that mortgages payments have increased as a % of disposable income. This is the main reason why mortgage lenders have become more adaptable in changing their strict lending criteria. However, although lending has become less strict, there are still controls in place. Therefore, the UK is not facing the sub prime meltdown that is currently affecting the US.

R.Pettinger is a trained economist and manages a site about Mortgages in the UK. This site includes a guide to different types of Mortgages, the UK Housing Market and general issues of finance. http://www.mortgageguideuk.co.uk/

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Remove Toxic Chemicals & Byproducts From Your Water With A Whole House Filter

If you dont own a whole house filter for your water supply, you should. Our bodies are made up of 70% water, meaning that the water we replenish our bodies with on a daily basis contributes to the majority, if not all of our health. Think of it this wayit is impossible to flush toxins out of our system if we constantly load up on toxic fluid. Unfortunately, the worlds water supply is not going to get any cleaner. In fact, with the production and use of more chemicals, our water is only going to become more toxic than it already is, putting us at even more risk.

In todays day and age with the use of man-made chemicals, owning whole house filters for water are becoming a necessity for ensuring better health. For the most part, people are unaware of just how primitive the equipment used by water filtration companies is. Consumers are also often times oblivious to the fact that there are no standard regulations concerning the thoroughness of water filtration. This of course isnt the consumers fault, but it is something that needs to be brought to everyones attention, especially if theyre concerned about living a long and healthy life.

A whole house filter is much more sophisticated than the equipment used by water filtration companies. Many products hook up to your homes main inlet providing filtered water for every outlet for years. Owning your own system allows you to stay in control of the purity of your water, which is quite important.

With the large supply of whole house filters available for purchase, it can be difficult to distinguish between good and bad products. In a nutshell, there really is no bad filter, and an investment such as this is definitely a step in the right direction. However, there are different levels of filter quality. Avoid distillers and reverse osmosis products. While both of these remove unwanted contaminants, they also remove the essential trace minerals our bodies need for proper functioning.

Water is used for more than drinking. It is used for daily activities such as cooking, showering, and gardening, just to name a few. Showering in contaminated water is 2 to 3 times more harmful than drinking it. With the combination of drinking water and having water seep into your skin, theres no way to escape unwanted toxins. Once you realize how frequently water is used, its easy to see why a whole house filter is necessary. Owning a system will bring about change in the look of your landscaping, the feel of your hair and skin, and the quality of your overall health.

Determining reliable whole house filters from unreliable ones can be a challenge. Be sure to ask the distributor for a performance data report. If the distributor is unable or unwilling to produce one for you, then the company is not reputable. A reputable company will understand your request and will want to bring you peace of mind about your investment.

If you wish to maintain good health, a whole house filter for your water should be a priority. Staying aware of the contaminants that plague the water we drink and use is a great way to show you just how important owning a water filtering system of your own really is. Your health and the health of your family depend on it.

Martin Spencer is a health researcher who has been studying water filtration for over 25 years. He is a regular contributor to Water Filtration Guide, a site dedicated to various methods of treating and purifying water. Learn about quality whole house filters on our site.

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Arrow Financial Services Found Liable for Potential Violations

Federal District Judge Ruben Castillo denied Arrow Financial Services' motion for summary judgment by way of a Memorandum Opinion and Order dated December 15, 2006. Schutz versus Arrow Financial Services is a class action lawsuit which involves allegations that Arrow Financial Services LLC and True Logic, a second party collection agency, violated the Fair Debt Collection Practices Act (FDCPA). The basis of the action is allegations that True Logic made material misrepresentations by way of debt collection letters mailed by TrueLogic. According to the written decision, Arrow Financial Services LLC (hereafter Arrow) purchased the plaintiffs delinquent debt and then assigned the debt to True Logic, a second party non attorney bill collector. True Logic then mailed the plaintiff several debt settlement offers which allegedly were in violation of the FDCPA.

Arrow Financial attempted to escape liability by arguing that it had no responsibility for True Logics actions. Under current case law a first party collection agency is liable for any FDCPA violations committed by second party attorneys. However, this case fell into an area without much guidance from the appellate courts. Few courts have addressed whether a collection agency, like Arrow, could be held vicariously liable for a second party non-attorney collection agency. Since True Logic was simply a collection agency as opposed to an attorney, the Court sought direction from the Third Circuit case of

Pollice versus National Tax Funding, L.P.

, which decided the issue against the first party collection agency.

Here, Judge Castillo ruled that it would simply be incongruous to hold collection agencies that employ attorney debt collectors liable for violations to a greater extent than collection agencies that employ non-attorney debt collectors. The court supported its ruling by stating the purpose of vicarious liability is to provide equal relief to those victimized by attorney debt collectors as well as those victimized by non-attorney debt collectors.

In addition to finding vicarious liability, the Court ruled that there were enough facts to find a principal-agent relationship between Arrow and True Logic. Arrow exercised a fair amount of control over TrueLogics debt collection activities. Specifically, Arrow had the right to control the content of the debt collection letters and the right to monitor True Logics compliance with the law through audits, summaries of test results, and other evaluations.

In sum, the Court ruled that a principal-agent relationship exists between Arrow and True Logic and that Arrow may be held vicariously liable for potential violations of the Fair Debt Collection Practices Act. Upon issuing this decision the Court urged the parties to reevaluate their settlement positions.

This decision further reinforces the idea that collection agencies cannot simply hire non attorney bill collectors and then turn a blind eye towards their collection activity. Collection agencies may now be forced to exercise more caution when shopping for second party bill collectors.

Ben Moskel, Esq. http://www.chargeoff.net Chargeoff.net provides consumer information relating to debt collection, credit reporting, and other consumer oriented subjects.

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How To Choose The Right Billing Software For Your Small Business

If you own or manage a small business, you know how much time can be spent chasing down paper invoices, purchase orders and sales reports. It can be a real nightmare! That is where billing software comes in. It allows you to record all your customers, sales, invoices, inventory, suppliers (and more) in a PC-based system that is easy to use.

Deciding that you need to invest in good quality billing software is not hard. The tricky part can be choosing the right software package for your requirements. There are dozens of systems on the market claiming to be the holy grail of all your business problems, but choosing the wrong one can cost you valuable time and money.

Here's a simple checklist of 11 things to look for when purchasing billing software for your small business:

1) Customer records

This is the core element of any billing system. What sort of information do you need to record about your customers? There's the obvious things like address, phone, fax, mobile, email and web address. But what about marketing-related information like "how did the customer find out about your business?", and "standard discounts" for key clients.

2) Multiple contacts & Communication history

If many of your clients are businesses with multiple contacts, can you record individual contact details for each person? Word of mouth is the most powerful form of advertising, and statistics show that one of the most important factors in customer satisfaction is good customer service. Have you thought about keeping a log of all communication with your customers? It can be extremely helpful for improving internal communication within your business, and results in a more personalised service for your clients.

3) Multiple shipments

Obviously your billing software will need to create sales orders - that's a gimme. But do you need to record employee-related information, like who the "salesperson" was? What about flexible dispatch options, like multiple shipments per sales order?

4) Search facility

There's no point recording all this really useful information if there's no easy way to get to it. Check that the search facility is flexible and easy to use. What criteria can you search by? Here are a couple useful fields you may want to use: customer phone number, customer address, order date, dispatch date and dispatch consignment number.

5) Tax & regional support

Are you able to change the tax rates on an order line basis? What about currency formatting? If you and your clients are in Europe, then there's no point using billing software that can only handle US dollars.

6) Reporting

Producing accurate reports in seconds is something you no longer have to dream about. In fact it is a necessity in today's competitive market. Ensure your billing software can calculate information on sales based on date, salesperson and customer type. If you operate a B2B business, another key performance indicator may be dispatch totals, based on date, and employee. But one important thing to remember about software... you can only get out what you put in. So if you are looking for a specific report, make sure that information is being recorded by your billing software package.

7) Backup

I've seen first-hand how devastating a hardware failure can be. Hundreds of thousands of dollars worth of data can be destroyed in seconds... if you do not have a backup procedure in place. Ensure you select a billing software package that has a built-in backup utility or works with your current backup system.

8) Online help & support

If you're a new computer user, then you'll definitely need a software package that has a comprehensive online and easy-to-use help system. Also check out what direct technical support is available through the vendor. Some software companies charge very high fees for personal support, so ensure you include this in your budget.

9) Budget

How much are you going to spend? That really depends on the complexity of the software package you are looking for. Smaller software packages can be found under US$100, and larger more complex packages can cost well over US$3000. Take a look at the number of customers you have, the number of sales orders you process, and choose a solution that fits your business.

10) Customisations

If you purchase an off-the-shelf billing software package, you may require minor customisations to suit your unique business processes and industry. Some software vendors offer customisations at quite reasonable prices. But ensure you include this cost in your budget.

11) Other features

What else do you want from you billing software? If you deal with fixed price products, you may need a comprehensive inventory management system allowing you to purchase stock, manage inventory levels and supplier relations. Some quality software packages also include a useful follow-up diary, allowing you to keep track of tasks and assign them to other staff members.

When choosing a billing software package for your business, make sure you check that it offers everything your business needs. And then the only thing you'll have to worry about is what to do with all your newly found spare time!

Josh Bender is an experienced database developer and qualified software engineer. He helps small-to-medium businesses streamline processes and improve efficiency using reliable and proven software solutions. Take a free test drive of 'InstantSalesTracker', easy-to-use billing software: http://www.InstantSalesTracker.com

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Alpina's Alternative to the BMW M5

Alpina, which has been tuning BMWs for years, has come up with a competitor to the new M5. It develops the same amount of power, reaches 60 mph in 4.7 seconds and has a top speed of 195 mph Alpina does not believe in 155 mph limiters for its cars. As a result, it claims this is the worlds fastest production sedan and not many people would argue.

Heart of the BMW Alpina B5 based on the 5 Series, like the M5 - is BMWs 4.4 liter V-8. BMWs M Division does without turbos and superchargers. Not Alpina; they have adopted a centrifugal compressor, engine driven, to boost power throughout the speed range and produce the same power ouput as the BMW V-10.

Bu the system has a neat twist. At idling and when driving at low speed, the compressor does not operate, so gas mileage is quite good. A throttle plate upstream of the supercharger cuts it in and out according to load.

Mighty powerful with 500 bhp

This is a mighty powerful engine; at 2,500 rpm it develops 200 bhp, and ramps up to 500 bhp at only 5,500 rpm, so the character of the engine is completely different from BMWs V-10. Thanks to the supercharger, theres massive torque over a big range, with the maximum of 516 lb ft available from 4,250 to 5,250 rpm terrific mid-range power.

The engine drives through a ZF six-speed automatic, and the brakes, wheels and tires are all upgraded. The tires are Michelin Pilot Sport 2s, 245/40ZR 19 at the front and 275/35ZR 19 at the rear these are just a bit narrower than those on the M5. The Alpina is also over 200 lb lighter than the M5 at 3,790 lb. Not a copy, a different approach to getting similar performance. Do you prefer revving to 8,000 rpm or getting a massive thump in the back at 4,000-5,500 rpm?

If you fancy something a bit more nimble, try the BMW Alpina B3 S Coupe. It is powered by BMWs straight six, bored out to 3.3 liter. It churns out 305 bhp at 6,300 rpm. Good for 168 mph and a 0-60 mph time of 5.4 seconds. A true competitor for many sports cars.

John Hartley is editor of www.fast-autos.com, an online magazine devoted to fast cars and supercars. He has written from many of the world's top auto magazines, and has written many books about cars and the auto industry, including 'Suspension and Steering Q&A' and 'The Electronics Revolution in the Motor Industry'.

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Japan's Electric Cars

Electric cars that zip by have always been more sci-fi than reality, thanks to pop culture. But in fact, the earliest cars were running on electricity long before the energy and automobile industry decided to convert Detroit into a gas guzzling machine based on the internal combustion engine. And precisely because of that, electric cars are making a comeback. With fuel prices soaring, and fossil fuel itself adding ever more to greenhouses gases that cause global warming, the world is betting on solutions such as alternative clean fuels, and zero or low carbon emitting cars powered by electricity.

As Detroit is to the American automobile industry, Japan is fast becoming to the world. And their fleet of hybrid cars, those that use an alternative clean energy only or in combination with gas is helping Japans position as a global leader in the auto industry big time. Last summer, while Toyota took the lead from Ford and became the second most selling brand of automobiles in America just after GM, Honda comfortably outsold DaimlerChrysler.

Toyota and Honda, both Japanese companies, are also the only mass producers of hybrid vehicles and enjoy steady success in that market. By 2003, Honda had sold over more than 37,000 units while Mazda expected to sell at 7,000 units of its 4WD Demio series. And according to a research by J.D Power, 350,000 units of hybrids will be sold in the US alone by 2008. You can rest assure that the Japanese brand of EVs will make a significant chunk of that market. It helps to get the word out when celebrities like George Clooney and Leonardo DiCaprio are already hybrid drivers.

Japanese automakers Mitsubishi too is hoping to re-brand its market imagine by launching a series of EVs in Japan by 2010. Subaru too is teaming up with the Tokyo Power Company to launch a series of electric vehicles, based on Subarus R1e minicars that will challenge Toyotas hybrids when it is launched.

While Japan continues to work on mass market models of EVs, engineer and designers there are also working on ever more impressive line of sporty and luxury models. The Eliica electric car, still only a prototype, can climb up to a speed of about 100mph in 7 seconds and reach a top speed of 400kmph. A brain child of Prof. Hiroshi Shimizu, Keio University, the car was produced with the help of a team of students.

Did we mention it has 8 wheels, four in the front and four in the back? A full charge from a normal outlet takes about 10 hours and that will keep you going for 200 miles. The point was to show the potential of EVs, and its a point well taken. The California born Tesla is the only Super EV coming out anytime soon but its a luxury sports car. And Detroit is still grumbling. But you can count on Japans EV industry to take the world on a clean, eco-friendly spin.

George Christodoulou, If you would like more information about Japan's Electric cars,
please visit, http://www.electricvehiclesite.com for more information.

Share your ideas! Leave a comment or question and have it answered by a fellow EV lover.

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Transcription Service

Transcription is the process of transcribing the audio data into text format. This is done by a trained professional known as Transcriptionist. Transcription service is available in different formats. It also makes use of customized and optimized software, which powers the transcriptionist to virtually develop a flawless copy from the audio file.

Transcription service includes typing data simultaneously after hearing the audio transcripts. These audio transcripts can be in either .wav, .wma etc format. With globalization process growing and expanding, transcription service is being offered by major giants. New companies are venturing unabated in this interesting industry.

Transcription services are available in English, Spanish, French, Pushto, Chinese, German, Greek, and many other regional languages. Besides, the service encompasses various industry collaterals such as science, arts, marine engineering, legal, medical sciences and much more.

A transcription service is offered at variable rates and is carried out as freelance or full time opportunity by housewives, working professionals, technical professionals and everybody who has a general sense of things.

Transcription Service: Its Diversification
Listed below are various types of transcription services usually available:

Medical Transcription: The process involves transcribing the monologues of physician, who diagnoses and describes the medical history of the patient. The transcription gives the advantage to the medical insurance companies to refer for reimbursing purposes.

Legal Transcription: The transcription includes transcribing legal monologues of an attorney or an advocate describing the legal history of his/her client.

Technical Transcription: The transcription presents a monologue describing about some bridge design or describing something related to product design. It provides the opportunity to the present a written history of any technical aspect for present or future reference.

General Transcription: The transcription represents a monologue on general or daily routine issue or happening. This happening has nothing to do with technical, medical or legal aspects.

With transcription emerging as the most lucrative career option today, it has potential to offer you better resources and respectable living.

All Translation Services is adept in offering transcription service and translation service in majority of languages spoken across the world.

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Save On Insurance By Quitting Smoking

On July 1st a law was passed to make almost every indoor public place in England smoke free. Now if this isn't enough to make smokers want to kick the habit, or the risk of cancer, then perhaps sitting down to work out just how much money it affects their bank balance!

According to a NHS report, the average smoker will spend 95,000 on cigarettes in their lifetime. If we break this down youre talking roughly 1,500 per year if you smoke the cheaper brands; just think what you could buy with that sort of money! A holiday, car, a whole new wardrobe

In addition there are other cost associated with smoking, which many forget to include when calculating costs and potential savings. These include, and are not limited to, teeth whitening and cleaning costs to remove nicotine stains and smells. The largest additional cost however is in insurance premiums, and quitting smoking can drastically reduce this. For example, for a smoking male to be insured for 100,000 life cover over the next 25 years it would cost 17.90 with Norwich Union. For a 35 year-old non-smoking male the cost would be 45% less, at just 10.

Darren Dicks, head of protection marketing for Norwich Union, said People who smoke have an increased risk of heart disease, breathing disorders and certain cancers, to name but a few illnesses, which is why non-smokers often pay significantly less for life insurance and critical illness policies.

Now as much as it is very much true that non-smokers pay less for life insurance, if you have been a smoker previously you may be asked to take a test as proof, and you must have quit for 12 months before you are entitled to cheaper premiums. Insurance companies will classify a smoker as anyone who has used any tobacco products in the last 12 months before applying. And if you do crumble and have a crafty cigarette, in the event of a claim being made and this being revealed the insurer may void the claim, so honesty is the best policy!

A place where smokers often feel inclined to light up is in the car, although this also may no longer be possible soon as the Local Authority Road Safety Officers' Association has called for a ban on smoking behind the wheel. A number of insurers already include smoking as a factor when assessing the cost of an individuals car insurance policy.

Whether you are a smoker or a non-smoker, it is important to find the right insurance product that suits your lifestyle. You can use The Help Group to search and compare insurers and products in order to find the best deal that fits your requirements.

For help and advice on how to quit smoking, please visit http://www.gosmokefree.co.uk

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Simple Tips for Choosing Good Webhosting

When you start your own website, you want to make sure that you have reliable, decent hosting if your host is down all of the time, your site might as well not even exist in the first place. So, to keep things smooth and simple for a webmaster-to-be, I have composed a list of tips for choosing the best hosting for your site.

Running a website does not have to be expensive. There are reliable hosts that can handle your site for 5 to 7 dollars per month. So long as you don't have a huge website, one of these hosts is really all a person needs to manage their site.

It used to be that you had to pay tons of money on a domain name in addition to hosting, but more and more web hosting companies are offering a free domain name when you sign up, so keep an eye out for these could save you a handful of money right there!

To get an idea of what companies are offering the best bang-for-the-buck at the moment, consider checking out an independent web hosting review site for recommendations. Do be careful though, as there are some review sites out there that are just scams set up by the owners of a hosting company to try to get them more business!

Look out for activation fees. Some hosts seem to be cheap at first until you read the fine print to find out that they have a 50 dollar activation fee!

Check out the types of customer support a company offers. Web based instant message type support can be very quick and efficient when you have problems.

Think ahead when you buy hosting. Are you going to build a plain HTML based site? Or is there a chance you could want to add a forum or another dynamic feature to your site in the future? If so, you'll want to make sure the site has PHP and MySQL. CGI might also be a requirement for you.

With these easy tips, you can be on your way to mastering your own website in no time!

Ryan Bauer is a large-scale webmaster who runs a Web Hosting Review website and writes how-to articles for computer users.

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The Parthenon Principle

Have you seen a picture of the Parthenon in Athens, Greece? I will never forget walking up to the massive granite ruins. The size and power still remaining in a building constructed 2500 years ago is overwhelming!

Although the roof lies on the ground, in pieces, most of the columns that supported it are in place. There are a lot of columns!

I think of the Parthenons roof often. If its roof had not been supported by all those columns it never would have lasted as long as it did. By any standards, it lasted a long time.

I have a roof, which shelters my family and I call it a financial or revenue roof. It provides for all our basic needs. Revenue or income also emotionally supports us, and provides the extras we enjoy in our lives.

I do not want my roof to fall in. My Parthenon Principle is to support this financial roof with as many columns as possible. If one column of income collapses (and they always do) there are others to take the weight so that the complete revenue structure will not crash on our heads.

Another way to look at this is - do you have all your eggs in one basket? Is your entire income dependant on one source? What would happen to you if that source disappeared?

Last month, I lost my largest corporate client. It happens. This client had grown over the last five years, slowly utilizing more of my services and representing over eighty percent of our revenue.

I had let it get disproportional large. Fortunately, we were prepared with backups, and other 'standby' pillars of revenue, ready to be rushed in, to support the revenue roof.

Think about your income and revenue, and prepare for worst case scenarios. Make the choice today to support your revenue roof, and your income streams by using the Parthenon Principle.

1. Build an emergency fund of at least three months of expenses. Not only will this fund provide emergency support if needed, you will have a sense of financial freedom just knowing it is there. Think of it as a spare column for your roof. You might not need it, but it feels good having it!

2. Consider additional sources of income. Can you create something to sell? Is there somewhere you can add on part time work, doing something you enjoy, which would provide you with added income? Even a small amount of money will build a financial reserve, and give you an income if your primary source fails.

3. Eliminate your debt as much as possible. You can manage without income far longer if there are no monthly payments to be mailed.

Think Parthenon Principle!

Your online friend and Coach,

Miami Phillips
Helping others find their path - and stay on it.
www.creativemasterminds.com

Quotation of the Week

"Failure to prepare is preparing to fail." Mike Murdock

About The Author

Miami Phillips is an ANSIR Certified Personal Coach and the founder of Creative MasterMinds who believes personal growth is an essential ingredient to being happy and contributing to this world. While his main focus is affordable personal and business coaching, he also offers motivational teleclasses, ebooks, reading recommendations and much more. To find out more visit his site at http://www.creativemasterminds.com or send him an email at coach@creativemasterminds.com

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FOREX Trading - Diversify For Lower Risk and Greater Reward

Most forex traders like to trade the majors only but in my view you can get some great opportunities in some of the minor currencies. You can diversify and get more profit opportunties

Lets look at two that can add some diversification and have some great trends you can take advantage of.

Two good currencies to trade alongside the majors are the Canadian and Australian Dollar.

While not as liquid as the majors, they offer some great trading opportunities for traders with a longer-term outlook.

Lets look at opportunities in these currencies.

We will use the free chart service futuresource.com and look at the IMM futures contract, although same logic of course applies to the cash.

The Australian Dollar

If you look at the chart you will see that this currency has been trading in a range since December.

The same system we have used to range trade the majors works here as well.

You can simply use stochastic crossovers to trade against support and resistance until a major break appears.

At present the Australian dollar looks set to test the top of the range, if it breaks through the mid point of the Bollinger band.

The Canadian Dollar

The Canada is trending down against the dollar and has had a rally - this should end shortly.

The key to look for is a cross in stochastic momentum with bearish divergence to indicate the downtrend will resume.

Like the Yen the Canada is bearish and rallies are selling opportunities.

These currencies add some diversification to any forex trading portfolio and the Canadian Dollar in particular offers a great strong trend to the downside where you can sell rallies.

Dont fall in love with one currency simply trade the ones that have the best opportunities and risk to reward.

At the present we would in terms of trend following have the Canadian dollar with the yen as the strongest trend to trade.

In the Canadian dollar a great short opportunity is presenting itself as it corrects oversold status.

Wait for the price momentum to turn south with the stochastic showing bearish divergence and when this occurs a test of the lows should occur.

As with any currency wait for the stochastic to give you the signal - dont anticipate wait for confirmation.

FREE ESSENTIAL TRADER PDF'S AND MUCH MORE

On all aspects of becoming a profitable trader including features, downloads and some great FREE Trading PDF's visit our website at http://www.net-planet.org/index.html

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