Auto

Dealer Leasing Tricks

Too often when it comes to auto-leasing, people get so dazzled by the myriad terms and the jargon thrown their way that they end-up paying through the nose, relying on a dealer’s ‘help’ than their own informed decision.

Here is a look at some of the tricks dealers use to pad their profits and leave the customers shelling hundreds of dollars more than the deal should be worth.

Trick 1: Leasing always a better deal than buying

Dealers use the lure of lower-monthly payments to entice customers to sign for long-term loans, with terms stretching for five years or more, making the payments even lower.

There are two catches with such lengthy contracts: higher mileage, exceeding the prescribed limit, and hefty repair costs.

With leases charging on average 10 to 20 cents a mile for any extra mile over the agreed amount in the contract, and warranties only covering three years, you leave yourself wide open for hefty charges for excessive mileage and wear and tear.

Trick 2: Cheap 2-3% APR rate on your lease

The dealer is not quoting the interest rate you would be paying on your lease; he’s rather giving you the lease money factor. Whilst similar to an interest rate and important in determining your monthly payment, a more accurate rate is calculated by multiplying the money factor by 24. For example a “cheap” 3% money factor is 24 X 0.003 = 7.2%. This gives you a better sense of what your annual interest rate on your lease contract is.

Trick 3: Stress-free early lease termination

Dealers know consumer driving needs change and they would like to have the option of getting out of a lease commitment sometime down the road, before their lease ends. Truth of the matter is, when you sign for a lease, you are effectively saddled with monthly payments for the remainder of the lease term and there is little-choice of getting out early. Lease contracts carry hefty financial penalties for either defaulting on monthly payments or terminating the lease earlier than the scheduled term.

To avoid being on the receiving end of such tried-and-true tricks, educate yourself about leasing. Get down to the nitty gritty and understand what the leasing terms used by dealers mean. Crunch the numbers along with him and understand how they arrived at the monthly payment figure. Don’t sign anything until you’ve understood all the terms and your numbers much those of the dealer. Do not let the dealer pressure you into signing; you are the one to determine whether the agreement is right for you.

Beauty

Skin tone, drinking water, coconut milk, etc.

The best way to have healthy, glowing skin is to start from the inside out. Eliminating caffeine in the form of coffee and soda is one way to start. Caffeine dehydrates the body and skin. And lack of moisture is a sure way to create lines and wrinkles. It’s also a diuretic, causing increased urine output, again depleting your body and skin of the moisture it needs. We try to combat this with moisturizers, but the better way is to put the moisture INTO your body, not on it.

Drinking pure water, unprocessed fruit juices or coconut milk will give your body and skin the hydration it needs. The colors in fruit juices are the colors of the earth and these colors will reflect themselves in warm and healthy skin tones.

The overall effects of caffeine on your body will manifest themselves in your skin. Heavy caffeine drinkers can experience osteoporosis, headaches, depression, sleeplessness. These can all be reflected in your skin.

When you replace colas, coffee and teas made with boiling water with water, fruit juices “sun tea” and coconut milk, you’ll soon start to feel better and sleep better. Your skin will reflect the good health of all the organs and cells of your body, once you’ve kicked the caffeine habit.

Another reason for drinking pure water, juices and “sun tea” is that when you boil water, you’re releasing oxygen from it. When the body rids itself of toxins, it passes through the skin which is the largest elimination organ. Raw food increases your detoxification rate. Drinking water helps the body rid itself of toxins. Seaweed is high in vitamins and minerals beneficial to the skin and also helps rid the body of toxins.

To achieve a healthy complexion, drink plenty of water and eat plenty of raw food. What goes into your body is reflective in your overall appearance.

Hobbies

Make a Mural

Most craft ideas are geared to individuals, whether kids or adults. Sometimes you’d like to have a craft idea that works for a group of kids working together. Making a mural together is an idea that works for a group. By working together, you are creating something to decorate a shared area. Individual crafts can be displayed, but one unique item is often more effective than a group of items that are almost identical. In addition, sometimes kids’ crafts, like it or not, just become clutter when they are taken home, and it isn’t long before Mom throws it out. This craft idea of making a group mural can be displayed for several weeks and will not become clutter in anyone’s home.

The basic materials for a kids’ group mural is freezer paper. Freezer paper is about 18 inches wide, and it is very tough. One side is plastic coated. That is the side that is designed to be placed against the food. You will have better luck drawing on and gluing things onto the other side. Class or group murals can feature a number of different design elements. You can mix up some finger paint and let the children make hand prints (or even foot prints!) on the paper. You can let them scour old cast-off magazines and color catalogs for pictures they like and let them cut the pictures out and glue them on. They can add scribbles, designs, signatures, slogans, or pictures using markers, crayons, or gel pens. They can attach stickers to the mural as well. This craft idea is very flexible!

For making the mural, choose a topic that relates to the group in some way. If the group are girl scouts, for instance, and have been learning to camp, the mural can feature pictures of items related to camping. If you’ve been learning about dinosaurs, you can use them as a theme. If you want a really messy project that makes a cute mural for fall, mix up finger paint in fall colors. The children can each make a tree by first laying their forearm in brown paint. Then they lay their arm on the paper to make the trunk of the tree. They should spread out their fingers so their arm print has five short branches at the top. To make the leaves, the children make fingerprints all around the top of the tree using paints in other fall colors. If you add a few drops of dish washing detergent to finger paint when mixing it up, it will be easier to clean off the children’s arms. Do make sure they have old clothes or smocks for this craft idea.

Little preschoolers will like making a mural with an animal theme. You should probably find and cut out animal magazine pictures to start with, and then let the children choose the ones they like for gluing down. Glue sticks are neat to use with small children. They will paste some of the pictures upside down. Expect it and do not scold them. It is the process that is important in this craft idea. The children can also use animal cookie cutters dipped in finger paint to stamp animals on the mural, too. You may need to tape the paper to the table so it doesn’t slide around while the children work.

An elaborate form of this craft idea that adults often make is a quilt around a theme. Each person in the group creates a quilt square to represent some aspect of what the group stands for. These quilt squares can be colored with fabric pens or crafted of patchwork or applique. Again, the craft idea is to build group solidarity and not to highlight one artist’s skills over another. When the quilt top is completed, it can be a group project to tie it or quilt it. It can be hung in a special central location or given to an appreciated leader or member.

Marketing

Using Message Boards for Internet Marketing

Internet marketing is a very wide term which can be used to encompass a variety of marketing techniques which are used online. Banner advertisements, website promotion, search engine optimization, email marketing and affiliate marketing all fall under the umbrella of the term Internet marketing but there is even more to Internet marketing than those concepts. Promoting your website or business on message boards can also be considered to be Internet marketing. In fact this is one of the simplest and least expensive Internet marketing options available. This article will examine how savvy business owners can use Internet message boards wisely. It will also explain how message boards can be misused and rendered ineffective as well.

Message boards are essentially online meeting places. In general most message boards are focused on a particular niche subject and encourage those who share an interest in this particular subject to get together to discuss relevant issues, ask questions, provide advice and even just socialize. Message boards can focus on any subject imaginable they may focus on a particular baseball team or just the sport of baseball in general. Message boards can focus on subjects such as politics, television shows, bands, current events, jobs, hobbies or any subject imaginable. Savvy Internet marketers can take advantage of these message boards to reach a target audience without investing a great deal of money.

Consider a business in which the focus of the business is to assist people in finding jobs which offer telecommute options. The concept of working from home is becoming increasingly popular and there are many websites which focus on this subject. Likewise there are also many message boards devoted to the topic of working from home. Here those with an interest in the subject meet to discuss issues such as finding employment where working from home is an option, working around the schedule of your children, setting up a home office, dealing with friends or family members who don’t respect your working hours and paying taxes on freelance assignments. A business owner who actively participates in this message board can take the opportunity to post a link to his website when it is relevant and offers something of value to the conversation. This is worthwhile because the message board features a high concentration of your target audience members.

When using message boards to promote your business, it is important to ensure you are following the rules associated with the message boards. Message boards may have restrictions regarding the posting of links and failure to abide by these restrictions may result in you being banned from the message board. For this reason it is important for anyone who is interested in using message boards for promotion of their business to carefully read the user agreement to ensure they are not violating any of the rules. It is also important to simply use common sense when promoting your business on a message board. Just because the rules do not restrict posting links, does not mean you should spam the board with your link. Take care to only include y our link when it is relevant. This will prevent message board users from assuming your link is just worthless spam.

Finally, when using message boards to promote your business it is important to be courteous to other message board users and to keep all posts professional. This is important because you and your business are much more likely to be taken seriously if you act professionally and responsibly. You should maintain this degree of professionalism even in posts which do not include your business link. This is important because other message board participants will remember you by your user name and will not be likely to take you seriously if you have previously made posts which were offensive, mean spirited or inaccurate. For this reason it is important to act as a representative from your company at all times.

Career

How Is It Like To Be A Pharmacist?

What Does The Job Of A Pharmacist Involve?

Pharmacists, or chemists s they are sometimes called, research, develop and use knowledge of chemicals to create, develop or enhance something. One of the main concepts in their job is to make processes that as much as possible would save energy and would lessen pollution. pharmacists are mostly found in research and development firms while a lot of them also work in quality control and production of chemical plants. pharmacists can specialize in a lot of areas including organic, inorganic, analytical, medical, physical, material and macromolecular pharmacy.

Organic pharmacists study the pharmacy of organic compounds, inorganic pharmacists study compounds other than carbon, analytical pharmacists scrutinize and identify what makes up a substance in order to identify the nature of that given substance, medical pharmacists use their knowledge on pharmacy to contribute to medicine and materials pharmacists research and develop chemicals that would replace existing ones that are being used or create new ones pharmacists, because of their knowledge on pharmacy, have a very profound impact on society.

Pharmacists think of and develop the materials that make up a lot of things we use and consume everyday. Because of their great contribution to society, pharmacists have always been in demand.

Pharmacy also makes a good background if one would plan to pursue further studies such as medicine, dentistry and biochemical engineering.

Job Requirements

The minimum requirements for someone who would like to work as a pharmacist is a bachelor’s degree in pharmacy although some advanced positions would require at least a master’s degree or even a PhD. In some places, one would be required to pass a licensure exam. Those who would really want to pursue a career in pharmacy should have a good background on other sciences and mathematics since the nature of the job involves a lot of those.

To be an effective pharmacists, one must always be on the go; meaning that on should always be in the mood to discover new things. Being open minded is also very important as when pharmacists would discover some new things; these could be either desirable or undesirable. Deep analytical skills and manual dexterity for handling laboratory apparatus should also be developed when wanting to become a pharmacist. Good knowledge in handling computers is also a key advantage.

Job Outlook

There were about 84,000 pharmacists in the United States in 2006. Because of the rise of technology as well as the rise in demand of better materials and breakthroughs that can be brought about by chemistry, this number is expected to rise. The demand for more pharmacists would most likely be in the research and development part. While that part would seem promising, all other areas of chemistry are also expected to grow just as fast as other occupations until 2016.

Expected Salary

The salary of pharmacists would very depending on what field of chemistry they are specializing on. Those working at testing laboratories would earn around $46,000. Those working for pharmaceutical manufacturing would earn around $57,000 while those who work for basic chemical manufacturing would earn a little above average at $62,300.

Those working for the federal executive branch are some of the highest paid pharmacist which would earn around $89,000. Depending on the company where the pharmacist would be working in, a pharmacist is generally entitled to a lot of benefits.

Weight and Diet

Eat Healthy with Organic Foods

When you go to the grocery store or supermarket to buy fruits or vegetables, do you pick just any produce or are you particular about getting organic foods? There is a difference between the two and, after our discussion, you may decide that organic foods are the way to go. Let’s take a look at the benefits of buying organic produce.

While both types of produce may look the same, organic foods must be able to meet specific standards of production,including specific growing and processing conditions that are unique to foods that can be labeled “organic”. For crop foods, the organic foods can’t be grown using any chemical pesticides, non-organic fertilizer, human waste fertilizer or sludge from sewage. They also cannot be processed using ionizing radiation-a process that kills bacteria but that some people believe is unsafe. Finally, the food can’t be genetically altered.

At one point, organic foods were grown on small farms, particularly those that were family-owned and operated. In today’s time, however, organic foods are grown on larger farms and are more readily available in most supermarkets, co-ops and health food stores. In the US, parts of Europe and Japan, the production of organic foods is currently federally regulated and in other countries, specific organic certification is required before these foods can be sold.

Organic foods can include fresh vegetables and fruits, which are not processed and come directly from the growers through farmer’s markets, supermarkets and roadside stands. Many of these products are only available during certain times of the year. One can also get organic eggs, dairy products and meat in their fresh and unprocessed forms.

Organic eggs are generally provided by free-range chickens and not from those kept in cages in large, egg factories. Organic meats must not come from animals that have been treated with any growth hormones, steroids or antibiotics.

Processed organic foods can be found in the organic food section of the supermarket but often are more expensive than their conventional food counterparts. Processed organic foods can include canned products, frozen produce, prepared items and even snack foods.

In truth, processed organic foods need only contain a certain percentage of organic ingredients. In Australia, for example, a food can be labeled “organic” if it contains at least 95% organic ingredients. In other countries, however, the percentage can be less than that. Even so, those non-organic ingredients must be free of artificial food additives and no aspect of the food can be processed using chemical ripening techniques, genetic modification or irradiation. In some cases, the organic food must be made using energy-saving techniques and packaged in recyclable or biodegradable materials.

It’s not always easy to identify whether or not your food is truly organic. Sometimes, you need to buy directly from an organic grower in order to be certain the food is organic. More recently, however, foods that are organic can be identified by governmental labeling, stating that the food is “certified organic”.

Because of the safety and wholesomeness of organic foods, you may wish to do you and your family a favor by buying only organic products. The food tastes excellent and you can be assured you’re getting a product that won’t be harmful to you.

Home and Garden

Selecting The Right Window Coverings

Many factors play a role in selecting the right covering for your window. The main reasons as to why you should install window coverings are light
control and privacy. Other factors include durability, life expectancy, cleaning, formality, versatility, safety, and the price.

Light control

The most difficult factor to control is light, with most window coverings falling into one of five categories:

1. Transparent – Clear, without obstruction

2. Translucent – Diffused light, which prevents the perception of distinct images

3. Filtered – Muted light in bright conditions

4. Semi-Opaque – Surfaces imprenetrable by light, yet it also allows some light through the gaps

5. Opaque – This is where all light is blocked

Privacy

Privacy can be best achieved with almost any type of window covering. The window treatment simply needs to be translucent or better to diffuse
images. Frosted glass or glass block can even help to give adequate levels of privacy.

Durability

A window opening by nature is a harsh environment that is subject to direct sunlight, humidity, and even temperatures. Add these factors to frequent use and its simple to understand why windows need to be constructed well. The life expectancy is normally less for fabric window treatment
that can fade with time. Solid coverings, such as shutters, have a long life span.

Cleaning

Each and every window covering will collect dust and dirt. Fabric coverings are the most difficult to clean, and are subject to stains. The
furniture quality window coverings will normally wipe clean with a light solution.

Versatility

Some coverings will work well in formal settings, while others will work best in casual living settings. Alternate styles are versatile and blend in well with almost any style of room.

Safety

Small children in the home will usually come in contact with windows and their coverings. Some coverings will have cords to raise or lower
for better visibility. Although they are handy to have, they can be dangerous if they come within reach of a child.

Price

While there is a discrepancy in the costs of window coverings, it’s very important to weigh the overall value involved. The term “value” is often overused, although when purchasing long term household items it is necessary to consider the return on the investment.

Window coverings on the low end of the price spectrum will normally have a short life expectancy and low durability. The higher priced coverings, such as shutters, are designed to last the life of the home – all the while retaining the original character.

Shutters offer a hard window covering that is semi opaque when closed, although they provide great visibility when opened. The furniture
quality wooden shutters can be either painted or stained in order to meet the needs of most decors. All shutters are extremely durable
and offer a long life span.

Travel

Vacation Tips In Fishing

When summer time comes and salmon are starting to run, many people who like fishing visit Alaska. Tourists tend to know when the salmon run starts. This may not be on purpose but they do know the best place to catch salmon is in Alaska.

Alaska’s waters make their tourists get the Alaska fishing guide and provide the tourists the best spots in Alaska for fishing. First, you have to know what kind of fish you want to catch. You can choose from different varieties of fishes like silver salmon, arctic char, steelhead, Alaska king salmon, rainbow trout, or any other fish.

The Arctic, Southwest, South central, Southeast and the interior are the five known geographical places in Alaska. These are the sites where you can maximize your fishing expedition. You have to hire a fishing guide since you do not know the area. They may give the best spots for you and accompany you to your fishing.

Here Are Some Things You May Want To Ask From Your Guide

1. You have to know how long they have been doing their work in Alaska. It is good if they have been staying there for a long time already. The reason is that they have much knowledge about the different yearly cycles of Alaska.

2. Be aware of the time you will spend during the trip. Also, make note of the time that you will need during the actual fishing. The amount that you will pay your guide might only be consumed on the time of the boat ride rather than the fishing itself.

3. Ask how much a particular guide would cost, because they have different rates depending on their skills, experiences and length of stay in their job. A guide that would cost cheaper than the average rate of the other guides might not have enough experience and skills.

4. It is recommended that you have your references. This will help you narrow down your choices in selecting a fishing guide. Most people who have been there are willing to share about how satisfied they were during the fishing vacation. They can also give you some advice on what you need to do during the adventure.

5. Remember, this is a chance for you to ask about particular issues that concern you. Do not hesitate to gather information from your guide. By this time, you should be able to have your final choice for your Alaska fishing guide that will be perfect for your plans and make the most out of your trip in Alaska.

Make Money

Writing Articles as an Affordable Internet Marketing Method

From Google Keyword Tool, a keyword suggestion tool, you will see the millions of searches done to a certain keyword. When these keywords are typed on search boxes of search engines, indexed websites containing articles with those keywords will be displayed. And this is what leads traffic to websites with keyword-rich articles. Yes, the magic word is articles.

Content is king. You can say that again. That is why writing articles is one of the most utilized Internet marketing media today. Internet surfers just can’t get enough of information on various fields. Providing information through these articles is a surefire way to drive hot traffic to your web site.

Why is this so? Here are the benefits that writing articles can give your Internet business.

1. It’s absolutely free.

Too good to be true? Not. Okay, you have to pay for your Internet Service Provider. That’s it. All you need is your thoughts, your computer, and your hands. If you have those, nothing will stop you from typing words that will make you complete that article for your website. On which aspect of that process did you really shell out any cent? Maybe later when your electric bills come.

2. Your website will be noticed in a short period of time.

Submit that article of yours to article directories that get the most web traffic and in no time your web site will be crawled. That is if you don’t forget including your resource box or byline.

3. Obtain back links automatically.

When you submit your articles to directories, surely, other websites will make use of your article too. With the copyright terms of your articles, the URL of your website will still be in tact and will subsequently direct more traffic to your website.

4. Improve your reputation.

As an Internet marketer, if you plainly display your products on your website, you will not gain much conversion rate. Conversion is when your traffic converts to sales. You have to show that you are knowledgeable on your field. And what better way to show that than by writing articles that will allow you some bragging rights, right?

Just make your creative juices flow and jot down or key in those ideas quickly to jump start your article writing momentum. With those benefits listed above, a writer’s block is the last problem you will ever be able to surmount.

Pets

Impressions on Bull Dog Terriers

People might be wondering why there is a breed of dog with the name of “bull dog”.

Originally, Great Britain and later, America were obsessed with bloody fights between bulls and dogs. The main function of the canine is to hang on to the bull’s neck and worry the poor animal until it dies. Obviously, these dogs had developed great strength in their jaws.

Among the popular choices of dogs for this sport were the pit bulls. Back then, the selection of pit bulls was so varied that many showed a variety of characteristics that made the sport highly interesting. Later in the life of the sport though, the center of attraction switched towards the fight between pit bulls and not against the bulls themselves.

From these canines rooted most of the bull dog terriers that we know of today.

One of the significant bull dog terriers we have is the American Staffordshire (AmStaff) Terrier who is of great interest since it possesses intriguing seemingly opposing characters.

They project strength and physically power but they are not vicious. In fact, this dog is very much associated with its relationship to its family, especially among children. The physical features it has are now only due to their basic nature and orientation during their bloody fights as fighting machines. But this does not negate the fact that they can sometimes show aggressiveness which may somehow work against them. Nevertheless, this can be set off with their loving nature and devotion to human family. Thus, it has a stable temperament which make them good pets and excellent watchdogs.

AmStaff terrier, as it is called by its shorter name suffers in reputation though since it is commonly associated with pit bulls. These dogs are known for their love for challenge and are therefore employed in illegal dog fighting.

Most of the problems root from irresponsible training. Sadly, there are too few AmStaff that are properly trained. And what’s even depressing is that there are innumerable pit bulls that are continually ill-treated by sadistic owners.

We are often confused of what true pit bulls are. In fact, many contend that these dogs must not be called by that name since it elicits unwanted images of gory dog fights. While this breed is not yet officially recognized by the American Dog Breeders Association or the United Kennel Club, the legitimate name remains to be American Pit Bull Terrier.

While it is true that American Pit Bull Terrier is violent in nature, this doesn’t imply that they are made purely for brutal stuffs. As we have earlier said, these dogs are only products of maltreatment and exploitive training (and inhumane) for self serving purposes. Otherwise, American Pit Bull Terriers can be very people loving.

These are also known for their being hardworking on which they excel from. They are also fond of excessive physical activities that would exhaust their power reserves. Thus, this breed is great for those who need company during athletic training. If you are the couch potato personality, please find another breed of dog that would suit your lifestyle.

To clear things off, American Pit Bull Terrier are not officially recognized not because of its ill reputation but mainly due to beliefs that it is not a purebred. One major standard for a dog to be distinguished as member of Kennel Clubs is that it should be purebred. Until more comprehensive findings on its origin are found, this dog will remain unfortunately tagged as “nasty”.