Students Of Success

The internet can be a great place to buy your next cell phone.
How many times have you been in the mall and were harassed by
some pushy wireless telephone dealer? The internet store is a
sharp contrast to this type of environment. On the internet, you
can take your time, research a particular phone, and search for
the best deals. In addition to this, internet dealers generally
have better cell phone deals than their brick and mortar
competitors. But how do you take advantage of these better deals?

In 2004, the government approved number portability. Number
portability allows you to keep your cell phone number, even if
you switch carriers. The implications of this are crucial for
taking advantage of internet cell phone deals.

Internet dealers often offer some very innovative and high end
cell phones for free after rebate. However, to receive these
offers, you must also sign up for a new cell phone plan. If you
want to stay with your current carrier, you must sign up for a
new phone number along with the new phone plan. This is because
number portability is carrier to carrier (not inter-carrier).
Although you could upgrade your phone and keep your number and
carrier, this would not qualify you for most internet offers.
The alternative is to keep your cell phone number (through
number portability) and switch carriers. However, if you choose
this option, make sure that you are not under contract with your
current provider or you could stand to face a hefty termination
charge.

Nevertheless, there are many quality carriers in the
marketplace. Switching carriers should not be that troublesome.
Therefore, these internet cell phone deals have great value for
the consumer. Often, these phones that you can get free after
rebate would cost you more than $200 as an upgrade. As a savvy
cell phone consumer, you could select two carriers that you are
comfortable with and switch between the two every one or two
years (and receive a high quality cell phone free after rebate)
in the process. The internet marketplace holds great value for
the cell phone consumer. Take advantage of these great internet
cell phone deals.

If you find yourself shopping around for an auto loan there is much to consider before you ever sign the dotted line.

The first thing to consider is if you want to pay a down payment on the vehicle. Many lenders today don’t require a down payment but it is still a good idea to pay as much as possible, initally. The more you pay for a down payment, the lower your payments may be on the loan.

If you have a used vehicle you can trade-in, the money you get for the trade-in can be added into the down payment. Don’t expect to make a lot of money on your trade-in unless your car is in absolutely perfect condition. Any cosmetic flaws or mechanical work needing to be done on your old vehicle can significantly lower its potential trade-in value.

The next thing to consider is what your interest rate will be on the loan. If your credit is good you may qualify for a loan within the 4-8 percent range. If you have subprime credit the interest rate on your loan could jump higher than 20 percent. The percentage rate you pay on the loan will play an important factor in how much your monthly loan payment will be.

You also have to consider how long you would like the loan term to last. Many auto loans are usually available with anywhere from 3-6 year terms. The shorter the loan term, the larger the monthly payments will be. On the flip side, the total price you pay for the loan will be cheaper than a loan with a longer term. You’ll pay less in interest on a loan with a shorter term.

Never take out an auto loan with a term that’s longer than the amount of time you plan to keep the vehicle. Otherwise, you’ll end up throwing away money on a vehicle you no longer own. Also, if possible, try to get a vehicle with a warranty that runs throughout at least most of the term of the loan. You don’t want to get stuck paying for costly repairs at the same time you’re paying off your auto loan.

The most important thing to consider before taking out an auto loan, is how much you can afford to pay for the loan on a monthly basis. Kelly Blue Book and Capital One suggest no more than 15-20 percent of your monthly budget should go toward your vehicle. If you’ll end up spending more than that, even with a longer loan term, you should consider looking for a cheaper automobile.

By considering the many factors that influence the true costs of an auto loan you may save money in the long run and improve your credit rating. If you do your homework before signing the dotted line, you’ll find a loan that is right for you.

© cashbuzz.com

John Campbell is the writer and editor of CashBuzz, A financial portal for the rest of us. Check out http://www.cashbuzz.com for the latest articles on money management and tips and tricks that can help improve your finances.

This article may be reprinted on your Web site if the copyright, author information and active link are included.

Jack was climbing up the beanstalk and ran into Fiberlady. She was heartily munching on some beans. He asked her what’s with the high fiber food. She wiped the bean juice from her chin and replied that she was fulfilling her daily quota of 25 grams of fiber. Her handful of beans was worth about 8 or 9 grams alone. For the rest of the day, she had planned a menu that included plenty of whole grain breads, veggies, and fruit. She told Jack how simple it was to reach her fiber count for each day. Foods high in fiber are commonly grown and easily found at the local village market.

Fiberlady noticed how the beanstalk was bending unnaturally from Jack’s weight, so she told him how a high fiber diet can help him lose some unwanted pounds. A fiber-rich meal is processed more slowly, which makes us feel satisfied sooner. Guess what? You eat less and lose weight.

Apparently, Jack had been consuming the classic Westernized diet of an excess of overly processed grains, sugars, and fats. At least he was getting some good exercise by climbing and climbing. He complained about the latest results of his cholesterol count. It was evident that he was unaware of the benefits of a high fiber diet. To his amazement, he learned that dietary fiber binds cholesterol and bile in the digestive tract, preventing their reabsorption and re-circulation. If less cholesterol is absorbed, the level goes down.

He discreetly mentioned that the giant was constipated causing much noisy effect around the castle. Fiberlady told him that a well-balanced diet of fiber-rich foods such as unprocessed bran, whole-grain bread, fresh fruits, and vegetables can lessen the chances of constipation. High-fiber diets increase stool size which naturally helps prevent constipation. She cautioned that without a good deal of fluids, fiber might stall and bring about constipation. He said he would share this information with the giant’s great, big, tall wife who was in the habit of serving boys broiled on toast.

Fee-fi-fo-fum,
I smell the blood of an Englishman,
Be he alive, or be he dead,
I’ll have his bones to grind my bread.

If the giant must, Fiberlady suggests the following tasty high fiber recipe for this semi-sweet, dark, hearty bread. Race you to the top of the food pyramid, Jack.

Molasses Oat Bran Bread
yield: 2 round loaves/15 servings

Ingredients:

1 (.25 ounce) package active dry yeast
1 pinch white sugar
1 cup warm water
2 tablespoons butter, melted
1/3 cup molasses
1 cup oat bran
3 cups whole wheat flour
1/2 teaspoon salt
1 tablespoon oat bran

Preparation:

1. In a large bowl, dissolve yeast and a pinch of sugar in warm water. Set aside to rest for about 5 minutes.

2. Mix butter or margarine and molasses into yeast. Add 1 cup oat bran, 2 cups flour, and salt. Stir, and add flour as needed to make dough stick together. When dough forms a ball, turn out onto a lightly floured surface. Knead for 8 to 10 minutes, adding flour as needed to make a slightly sticky and moist dough. Place in a buttered bowl, and turn to coat the surface. Cover with a damp cloth, and let rise until doubled in bulk, about 1 1/2 to 2 hours.

3. Punch down, and form into two round or oval loaves. Place on a greased baking sheet, and allow to rise 1 hour, or until loaves have doubled in size. Sprinkle 1 tablespoon oat bran on top of the loaves.

4. Bake in a preheated 350 degrees F oven for 35 to 45 minutes, or until the tops are a nice dark brown and the bottoms of the loaves sound hollow when tapped.

Per serving: Calories: 132; Total Fat: 2.5 grams
Fiber: 4.1 grams

Stephanie Shank aka Fiberlady has studied nutrition for many healthy years which prompted her commitment to a high fiber lifestyle and the development of her informative website High Fiber Health.

Many who suddenly get the scrapbooking bug say they started when they realized that so few pictures were taken of them as cute little tykes - and they want to make things better for their own children. What ever the reason, scrapbooking has become a big business. There are estimates that over 4 million people, almost all of them women, gather for “crop-alongs” or “power layouts” every month! All these people are on the lookout for new and exciting scrapbooking ideas and share their thoughts and techniques on how to create that perfect keepsake.

So many people are seeing that life is short, and they want to preserve family memories for their children. With today’s ever mobile society and families spread across the country (and the world), it has become apparent that one way to keep everyone current with what’s going on in your life is to utilize scrapbooks to chronicle everyday life.

In simple terms, scrapbooking is the practice of combining photographs, memorabilia, and written narratives, poetry, quotations, stories, or other textual content into a scrapbook style album. A few scrapbooks are mass produced, but most are unique, singular publications. They can contain an accumulation of all sorts of objects such as newspaper clippings, magazine articles, play bills, ticket stubs, pressed flowers, and locks of hair.

Scrapbooks are often embellished with ribbon or other pieces of fabric, colorful graphics, and other artwork. These artifacts of history are attached to the album pages. Many different types of scrapbooks have been made including family histories, personal journals and memories, and historical records of organizations, military units, and other groups.

Personal scrapbooks provide a unique view into the thoughts, lives, and activities of their creator(s). Some of the best and most valuable scrapbooks are simple, focused documents that are directed to one single topic or subject. As stated above, scrapbooking is the fastest growing craft industry in the United States. The advent of computers has expanded the techniques available for producing, duplicating, and distributing scrapbooks. For example, some personal websites are virtual scrapbooks.

If you’re addicted to scrapbooking and want to have fun creating lasting memories - whether you’re a beginner or an experienced scrapbooker - scrapbooking supplies are readily available from many online sites from the basic essentials to the latest product trends. Get your choice of albums, scrapbook paper packs, embellishments, stamps, adhesives, trimmers and helpful products to keep everything organized. You can count on all the reputable online merchants for high-quality scrapbook supplies and affordable prices.

To create a scrapbook, you need the right material. From ribbons and bows to photo material and albums—all the necessary scrapbooking supplies you need are available online. There are books to help you get started and loads of advice to help guide you along the way to create your own masterpiece.
There are even websites to answer your questions and the many online catalogers and merchants have everything you need to complete your project. Just point and click and you’ll be on your way to making a treasured family keepsake.

Rita Hutner is a copywriter for Catalogs.com. Catalogs.com is the Internet’s leading source for print and online catalog shopping – and a growing hub of original content and “how to” information at www.catalogs.com

Nowadays there are many ways to load your remedy drug needs affordably and easily. At one time the only way to acquire prescription drugs was at your local pharmacy, but online options now take all the hassle out of the process. Online pharmacies are the wonderful solution for today’s chaotic lifestyle.You can upload your requirements and your remedy drugs will be delivering right to your door.

Online options might be an elegant option to trying to fit a visit to the drug store into your hectic schedule.Online sales of prescription drugs are growing. Million people visited online pharmacies. As online pharmacies increase a larger share of the direction drug market, patrons must be attentive of the possible evils associated with obtaining an online prescription for a prescription, or buying a drug online. Cost is a dynamic factor is for users of online pharmacies. Among consumer who really buys drugs online, so because they saved money. Online pharmacy guests indicate the intention of their visit was cost assessment.

Many of respondents say online pharmacies offer healthy competition to regular pharmacies. Many people are stunned at the proportion of community who are willing to trade-off drug safety for the professed benefits buying online, such as discounts offered, ease, privacy and the doable availability of unprescribed drugs. Once you obtain that prescription, though, you are no longer limited to your local pharmacy.

Over the precedent few years, online pharmacies have developed in number and in esteem.Patient safety is primary concern; however, a prescription drug that is not affordable is neither safe nor effective. The safety of drugs purchased online was a concern to over half the respondents. However some patients said they didn’t tell their physicians about their online drug purchase. Only few of them were concerned about the lack of direct communication with a pharmacist.

So while safety is a concern for those visiting online pharmacies, the offer of greater choice and less restriction on purchases is also an incentive to shop online. You need to be cautious, when you first venturing into the world of online prescription drugs. Give time in searching for few different companies. You want to make sure that you are dealing with a reputable company that is properly licensed. You can suppose, it’s your health on the line, so take the time to do the research and find an online pharmacy with a firm status. Don’t let yourself be taken advantage of!

Jenifer D’souza is an associated editor to the website http://www.eu-internet-pharmacy.com. It is committed to provide visitors with absolute information on online prescription drugs like Cialis, Viagra, Phentermine, Tamiflu and Levitra by most recent news, personal views, and articles on related topics.

For more information, visit: http://www.eu-internet-pharmacy.com

We’ve all heard those who have Internet business-success stories proclaim, “Nothing will make you as much money as building a responsive list!” The trouble is, most people won’t let you in on their secrets for building these goldmines. In reality, it isn’t all that hard to do.

I’ll be the first to break the silence. Below you’ll find the proven techniques you need for building a responsive list. In step-by-step format, you’ll see exactly what actions to take - and in which order - to develop a subscriber base you can generate revenue from for years to come!

STEP ONE - Find Out What Your Subscribers Want

One of the biggest mistakes I see people make when trying to build a list is to not understand their subscribers. Once you’ve decided what topic your newsletter will revolve around, take time to interact with your prospective subscribers.

Ask them what they want to read about. Find out where they are struggling. Research their needs diligently. This is the only way you’ll be sure to provide what your subscribers really want.

One great idea is to use www.surveymonkey.com to conduct a survey. Ask several questions in order to find out as much as you can about your subscribers (or future subscribers). These questions might include:

1) Are you male or female?

2) What is your occupation?

3) How long have you [been in business, owned a pet, designed stained glass windows, or whatever relates to the topic of your ezine]?

4) What are the three areas you struggle most with in regard to [the topic of your ezine]?

5) What information have you been searching for, but been unable to find?

6) What article topics would you like to see in [name of your ezine]?

And any others you can think of.

STEP TWO - Have Something Of Value To Offer

Once you’ve gotten the information you need from your subscribers, don’t waste it! Use the information to offer something of value.

Did you find from your survey that most of your subscribers are professional women with children who are interested in timesaving tips? Then give them tips! Not worn out, everyday, ordinary tips. Take the time to create or research innovative tips designed specifically to help professional women with children live more productive and stress-free lives.

If you deliver a newsletter that’s disappointing in the eyes of your readers, you’ll soon find your subscriber base will dwindle down to nothing, so go all out!

STEP THREE - Promote, Promote, Promote!

Yes, you’ll want to put subscription boxes throughout your own website to drive subscribers to your list. But don’t stop there. There are virtually TONS of ezine directories and ezine announcement lists online that can dramatically increase your number of subscribers.

Here’s a short list. You can quickly search any search engine to find more ezine directories.

http://www.ezinelocater.com
http://www.ezinehub.com/add.html
http://www.lifestylespub.com
http://www.ezinesplus.com
http://www.e-zinez.com
http://www.inkpot.com/zines/

http://www.ideamarketers.com
http://www.list-a-day.com
http://www.zinos.com

STEP FOUR - Be A Dependable Resource

Word of mouth spreads quickly about newsletters and ezines that actually offer solid, dependable content and resources. Make sure you are one of them!

With each issue, take time to do your best work yet. Offer original articles or new reprints (not articles that are months old) plus resources that you have checked out yourself and approve of. Your subscribers will soon develop a sense of trust and loyalty and will repay you for your time by buying from you.

A FINAL WORD OF CAUTION: DON’T endorse every new ebook, software product, or affiliate program that comes down the pike. Be selective. Remember, once your subscribers realize what an honest and true publisher you are, they’ll gladly trust your opinions, purchase those products you selectively recommend, and refer your ezine to others they know.

Copyright 2005 Diane Hughe

Diane C. Hughes * ProBizTips.com

FREE Report: Amazingly Simple (Yet Super Powerful)
Ways To Skyrocket Your Sales And Build Your Business
Into A Tower of Profits! ==>> http://madmarketer.com/diane

For many years it was believed that once a woman became pregnant she should just lounge on the couch and rest for hours on end, each and every day. After numerous clinical studies it was found that most women should do quite the opposite.

In most cases, women should continue with their daily routines, and if they are not doing so already, they should begin a regular daily fitness regimen.

It has been found that exercising during pregnancy has numerous beneficial effects. Exercising will give you more energy and stamina, increase your confidence, and give you the extra strength you need for delivering your newborn.

A daily fitness regimen performed by the mother-to-be during pregnancy has also been found to produce a healthier and stronger baby.

An added bonus for those of you dreading those long hours of child labor is that regular exercise during pregnancy has been known to reduce the time frame for this process by about a third. This in itself is a great motivating factor,
since every hour spent in labor can seem like a much longer period of time.

While exercise will undoubtedly help you obtain all these wonderful benefits, there are some guidelines you should follow:

Always consult our physician before beginning any diet and/or exercise regimen. This is to ensure you will be able to do this without causing harm to yourself and your recovering body.

Always start out slowly. Try several activities and do not attempt to perform very strenuous exercises or spend too much time at the gym. Find some exercises or activities you like and enjoy and do them regularly, but try not to exceed more than 30 minutes at a time. If you begin to feel exerted or worn out, stop exercising immediately and rest for a while. The whole purpose of exercising is to help maintain good health and self esteem, not injure or endanger yourself or your unborn.

Avoid high altitudes, extreme humidity, or especially warm temperatures when exercising. Getting overheated is not beneficial to you or our baby, and it could actually cause harm. Be sure you drink plenty of water and keep yourself
hydrated.

Monitor your heart rate, your breathing, and your pulse. This will allow you to observe your progress and notice any limitations you may need to be aware of. Knowing this information and making a note of it while exercising could assist your physician in diagnosing any problems or potential hazards you may face.

While you are in your final trimester, try to avoid any bouncing, jumping, or running. These activities can potentially cause injury to you or your unborn child.

Pregnancy causes many changes for any woman, physically, mentally, and emotionally. Be sure you communicate openly with your partner and your doctor. Keep all of your limitations in mind and never try to exercise more than is reasonable for your stage of pregnancy.

Tina Titas is a columnist for www.FunExerciseVideos.com . For the latest in pregnancy fitness, visit www.FunExerciseVideos.com/pregnancy-exercise.php — where you’ll find exercise videos at a great price.

Active business networking gets results. But when you are new to networking, either as a start-up business or as a responsibility in your new job, it can be very scary going to a meeting of business people. Here are 9 tips for networking newbies…

Make the meeting as easy as possible for yourself:

1) Contact the host or organiser, explain you are new to this and would like some help. Ask if you can have a copy of the attendee list BEFORE the meeting.

2) When you get the list, check if there is anyone on the list you know; or a business that your company deals with.

3) Then check who you would like to make contact with; who you would like to meet.

4) Arrange to be introduced: If you find someone (or a company) you know on the list, give him/her a call and ask if he knows the people you want to meet. If he does, ask if he would mind introducing you at the meeting. You now have someone you can talk to immediately you arrive (the person you’ve just called) and you have a goal to meet someone new, in a safe environment when you are introduced.

If you do not recognise any names on the list, call your host/organiser and ask if he/she would introduce you to the people you want to meet.

5) Arrive early. It is a lot easier to greet people as they arrive and have them join YOU, than it is to arrive later and then try to ‘break into’ conversations that have already started.

6) When you are introduced to someone make a point to remember his/her name.

7) Ask questions about him (or her); his interests; how long he’s been in that business; what’s his biggest challenge; what advice would he give to someone like you, who is new to networking (he’ll feel flattered you’ve asked). And listen to his answer(see my article: Networking Meetings - Creating Rapport with People You Meet).

When you are asked a question, such as “What do you do?” have a succinct, but preferably intriguing, answer. Don’t launch into a full presentation. (see my articles: Networking Your Way to Profits: Part 1 ‘The Power of The Elevator Speech’ and Networking Your Way to Profits: Part 2 ‘Creating Your Elevator Speech’).

9) Remember – networking is about creating relationships, so consider how you can help the people you meet – and that does not mean by selling something to him (or her). Think about who you can introduce him to; people who need his services or products or can supply something he has expressed an interest in that you are not able to supply.

©2005 Original Work by Carol Bentley

Learn more about Persuading People to Buy… Subscribe to your free reports, with no obligation, at http://www.CarolBentley.com

Carol is the author of ‘I Want to Buy Your Product… Have You Sent Me a Letter Yet? (How to create powerful sales letters, advertisements, flyers, brochures, web pages and newsletters that persuade hundreds, or even thousands, of additional customers and clients to buy from you!) by Carol A E Bentley (Rated 5-star on Amazon.co.uk) This book is available at a special offer at http://www.CarolBentley.com/offer

Carol is one of the highest paid direct response copywriters available. If you would like to talk to Carol’s office about having her work on your current or next sales project you can use the contact form on her website http://www.CarolBentley.com/contact.asp

The commonest form of cancer in the United States today is skin cancer but, to many people’s surprise, prostate cancer is the second most frequently seen type of cancer and results in some 30,000 deaths each year. So just what is prostate cancer?

The human body starts its life as a single cell which divides repeatedly to form new cells. As cell division continues so the newly created cells, acting as the building blocks of the human body, form themselves into walls of tissue creating the various parts that we recognize as the human body. This is not however the end of the process as, throughout our lives, our bodies change constantly with old cells wearing out and dying and other newer cells continuing the process of division to replace them.

Occasionally however this process of division does not follow the pattern that it should and a cell divides incorrectly, forming two cells which do not carry the correct information to function normally. At the same time this frequently sets off a chain reaction so that these cells in turn begin to divide, forming further faulty cells.

This, in simple terms, is the basis of all cancers and, where faulty cell division takes place in the prostate gland, then the result is prostate cancer.

The prostate gland, which is about the size of a walnut, sits between the bladder and the rectum and partially surrounds the urethra (the tube which carries urine from the bladder) and its main function is to produce and store a clear fluid which makes up about thirty percent of male semen.

Although we tend to think of cancer whenever the prostate is mentioned, there are in fact numerous other problems that can affect the prostate gland, many of which can be quite easily treated.

Prostate cancer is rarely seen in men under the age of 40 and, although cases are seen between the ages of 40 and 65, the vast majority of prostate cancer cases arise in men over the age of 65.

In many cases however the progress of the disease is slow and early stage prostate cancer often carries few if any noticeable symptoms. For this reason many men can suffer from prostate cancer for years before it is diagnosed and the average age at which diagnosis is made in the United States is currently 70.

If caught in its early stages prostate cancer can be successfully treated either by surgery or radiation therapy (radiotherapy) and, while such treatment can often leave its mark in terms of ongoing problems with urination or a degradation or loss of sexual function, the cancer will often not return.

Problems arise however if prostate cancer is more advanced at the time of diagnosis and has already spread into neighboring tissue and bone, or has been carried to other parts of the body, usually through the lymphatic system. Here a combination of surgery, radiation therapy and possibly hormone therapy can certainly help in treating the problem but the cancer will often reappear.

Perhaps the biggest problem lies in the fact that, in terms of their general health and sexual health in particular, men have traditionally suffered in silence and will only venture into the doctor’s surgery when they are at death’s door.

This fortunately is starting to change in our modern society, even if only slowly, and as an increasing number of men turn to their doctor when they first suspect that something might be wrong, rather than waiting until they know something is wrong, then perhaps the early diagnosis of prostate cancer will result in fewer deaths each year from this treatable disease.

For more information on prostate cancer and prostate cancer treatment please visit ProstateCancerExplained.com today.

ImmunPlex™ is an undenatured whey protein isolate that contains many proteins, peptides, and other key nutrients that promotes enhanced immune function and energy, comforts muscle and joints, and supports the elimination of toxic metals. It has lecithin, a useful compound that makes our whey protein mix easily with any drink. Natural vanilla flavoring is added to ImmunPlex to provide a palate pleasing nutritional drink that goes down easy.

ImmunPlex undenatured whey protein isolate does not contain any genetically modified ingredients or DNA and RNA derived from genetically modified organisms.

ImmunPlex™ is a superior whey protein isolate with the highest levels of essential amino acids and immune boosting nutrients. The super nutrients found in ImmunPlex™ include Provon® 290 whey protein isolate with 51% Beta-lactoglobulin, 23% alpha-lactalbumin, 18% glycomacropeptides, 5% bovine serum albumin and immunoglobulins, and 2% lactoferrin.

Research Shows Immune Cells Benefit from Glutathione Undenatured whey protein promotes enhanced immune system activity and detoxification functions.

ImmunPlex™ provides the nutrition needed to maintain an abundant supply of glutathione in the body, and effectively promote good health by enhancing immune activity.

ImmunPlex™ utilizes an exclusive low-heat pasteurization process to guarantee a high quality, purified undenatured whey protein. This is important because any heat or change in pH can alter the proteins to make them less effective in producing glutathione.

ImmunPlex undenatured whey protein isolate contains no genetically modified ingredients or DNA and RNA derived from genetically modified organisms. The raw material is sourced from certified BSE-free American cows, and doesn’t utilize any animal derivatives.

Please click here for more information about ImmunPlex.

Jeremy Maddock is the webmaster of Immune Wellness, your source for high quality information about vitamins and supplements.