Using Liberty Reserve and Ebuygold.com is the main method of getting money to TVI in order to sign up for the program. Since TVI's offices for administration are overseas it is necessary to use a service which can make payment to TVI. This is what Liberty Reserve does. It is similar to PayPal but can be used from anywhere in the world and is currently only one of three payment methods accepted by TVI. The other two are bank wire, which is 50 times more expensive and takes way longer, and the other is to use a prepaid e-voucher. The process of using Liberty Reserve and Ebuygold.com basically converts your US dollars into e-currency, which can then be paid to TVI and can be done very securely. Also, since you are going to be paying is US dollars and TVI is not in the US, an “Exchange” service is needed to
convert your US dollars English Lbs, or Euros or whatever they are using now. This is what ebuygold.com does. It is an exchanger. Western Union will also play a role in transferring the money from ebuygold.com to an overseas destination so that it will become your “reserve” with Liberty Reserve and you can then use it to purchase from TVI.
To simplify, when a new person signs up for TVI they need to get $250 USD to the UK to TVI. This is not an easy thing. You could just send a check I suppose but then you would be looking at a huge time lag and you would still need to somehow provide the currency exchange service. With the Liberty Reserve process it takes less than 24 hours.
So the process is to log on to ebuygold.com and buy e-currency. That e-currency gets transferred to a Liberty Reserve account overseas by using Western Union. Once the money gets to your Liberty Reserve account you can use it to purchase TVI membership.
All new people need to set up an account with Liberty Reserve and Ebuygold.com and they need to learn how to use this in order to purchase TVI memberships. Instructions on how to do that are below. It is extremely simple. This is the main way that TVI memberships are purchased. You cannot rely only on a friend or upline to cash out his commissions for e-vouchers so that you will have enough vouchers to continue to sign up new people to your downline. There will never be enough vouchers if that is the only way you do it because one express board commission does not pay out enough vouchers to cover the number of new sign ups needed to cycle the express board one time. If you do not learn to use Liberty Reserve you will find yourself out of vouchers and stuck relying on someone else to do it for you when you need them. Teach every new recruit how to use this system. This is extremely important. This is part of the business and we all need to know how to do this. You don't want to end up relying on the easy way of doing it by getting voucher from someone, and then in several months when our downline is 600 or 1000 or 7000 people, we all have to just stop what we are doing and teach everyone how to use this system. That will totally stall out the board movement. So let's teach every new person to use this system right from the get go, even if you do have a voucher for them, have them create their accounts and familiarize themselves with the instructions below.
The $250 is the membership fee for TVI. Using the process of Liberty Reserve to pay is going to cost around $291 or so because each of the three channels, Liberty, EBG (e-buygold) and WU are going to charge a small fee for their service. Get in the habit of telling new people right from the get-go that it's going to be $300 if you want to give them a round number. If you can manage to find e-vouchers within your upline or another distributor has them and will sell one to you, yes, you can get it for $250. At some point however the demand will be too great for vouchers as the group grows. So rather than one person sitting all day long on the computer placing orders via Liberty Reserve, we all need to know how to do this. And it will work out better if you just tell them it's $300 right from the beginning so that when they go to sign up thinking it's $250 and they find at that moment that it's $291, they aren't unhappily surprised.
Earn money Online By legitimate survey
There are several surveys that really pays. You can earn money by these sites easily.
Survey Head is a one of the best survey site that is known as paying site. You are paid minimum $1 for a survey and they post 5 or 6 surveys daily. When you reach $25 you can cash out and this site only pays by Paypal.
Survey Savvy is a another paying site. The minimum payout is $1 and you are paid by check. Generally you'll get weekly survey but you have to have the best qualification to get more surveys. The referral system also helps you to earn more money.
Opinion Place is a survey site
that is offered by AOL. They pay you good amount and pay promptly after completing survey. But you get a survey every 14 days and easy to get a survey. Sites pay through Paypal, AOL Credits, Amazon Gift Cards, AAdvantages Miles. I've earned $3 per survey averagely. But many surveys pay more.
that is offered by AOL. They pay you good amount and pay promptly after completing survey. But you get a survey every 14 days and easy to get a survey. Sites pay through Paypal, AOL Credits, Amazon Gift Cards, AAdvantages Miles. I've earned $3 per survey averagely. But many surveys pay more.
Mindfield Online I receive surveys weekly and get $1-$5. This site pays through check only and send out weekly. When you reaches $10 you may cash out.
Treasure Trooper is a good fun online survey site. Payments will be processed on the 15th-20th of every month for the previous month's earnings. This means that you will receive a monthly payment if your balance reaches minimum $20. If not, then your balance will be carried over to the next month. The daily surveys are worth $0.75-$1.00 like. This site is especially USA, UK, Canada residents who are paid more.
Opinion out post This site has plenty of surveys which are available. It is a good paying site and it pays by check.
Survey Spot is a online survey site and they send a vast amount of survey to your email. The minimum payout is $5 . If you are not qualify for all survey you are around $1-$3.
Top 10 Things You Can Do to Lose Weight a Pound a Week
A pound a week doesn’t seem very fast, but that adds up to 52 pounds a year, if you have that much to lose. You have a better chance to keep the weight off with slow, steady loss. Fad diets do not work, cost too much money, and create an imbalance in the body! These ideas are not only great weight loss tools, but excellent tips to live by. If you follow these steps, I guarantee you will add healthy years to your life!
Try these steps to lose your extra pounds….
1. Drink lots of water, with lemon – Water increases your metabolism. Fresh lemon juice has enzymes that cleanse, and creates an alkaline condition in the body. Your cells release fat when they are in an alkaline state and bind fat when they are acidic. To bind is human, to release is divine. Acidity also attracts bacteria, fungus, parasites, and is always found with cancer, reflux, and gout so drink lots of lemonade!!!!
2. Take calcium – Studies in rats on a diet show that the ones with adequate calcium lost 30% more weight. Poor skinny rats! Calcium is best absorbed when taken with magnesium and I recommend taking it in the evenings.
3. Eliminate – Yes, we are talking poop. All that protein and no fruit makes you backed up. Drink psyllium husk with water twice a day or use another good source of fiber. An apple every morning is also a great fiber source. You will be light and fluffy!
4. Omega 3 oils – Eat fish and flax seeds every day if possible. Tuna and salmon are excellent sources of protein and omega 3’s. Flax seeds are also an excellent source of omega 3’s. Omega 3’s are also great for healthy cells, great looking skin and hair, and balancing hormones! Cancer patients and many regenerative disease patients show fatty acid deficiencies when tested on the QXCI.
5. Exercise before you eat – In the morning, do something to step up your metabolism. A short walk, jump up and down, run in circles, make love (while hanging from the trapeze for bonus points!). Your body will burn fat, not food. DO NOT eat for at least one hour after you exercise. You will continue to burn fat rather than food. Your metabolism is increased for about 3 hours after morning exercise.
6. Raw veggies equal love – carrots, celery, broccoli, etc. Veggies are alkalizing. And when you alkalize, what happens? That’s right, your fat falls off. Raw veggies have enzymes that digest food better, give you energy, slowly digest and make you feel full. And of course, make you poop much better!
7. Do squats – If you do not have time to exercise, do this. Next time you are standing in front of the refrigerator visualizing ice cream (which is acidic, by the way) do 10 deep squats. After you are done you will no longer want food. You will want to sit down. Now would be a great time for a glass of water. Squat when you brush your teeth, dry your hair, or watch TV. You are building some great muscle and fat is falling off.
8. Drink green tea – no more coffee or tea! It messes with your insulin levels, which causes cravings. Green tea on the other hand, increases your metabolism, is a powerful antioxidant, and for some reason makes you burn fat. Here’s an idea – how about drinking iced green tea with psyllium husk in it and the juice of one lemon while you are standing in front of the fridge doing squats!
9. Stop the sabotage – find the positive intention behind your issues with food. If your inner mind has a powerful need to eat to fill an emotional need, have protection, or be fat due to identification issues, no amount of will power will help. The part of your mind that needs to eat in excess will get even more determined and you will be more backed up than you were before, literally and figuratively. Clear the issue and make it easy.
10. Visualize – the one thing above all else that will make the fat fall off – three times a day, visualize the weight you will be when you step on the scale each day. Here is how to do it... Get relaxed, close your eyes, imagine yourself stepping on the scale tomorrow, one pound less. Visualize. Now, notice what day it is tomorrow. Feel your feet on the scale. See the number. Smile, breathe. Squat just for fun. Imagine tomorrow. Imagine it as real, the next day, the scale and one pound less. Make a note of what day it is. Imagine the next day, same scale, new number. Fat is falling off all over the place. Visualize seven days at a time. Implant the new weight and the day in your subconscious mind. Do it in the morning when you first wake up. Do it in the afternoon when you are dozing off at the office. Do it at night before you sleep. You will be amazed. As a result of this, your brain will become convinced after a day or two that fat is supposed to be falling off. Your body will start to make changes. Your energy level will increase, you will eat less, for some strange reason you will want to exercise. And the best part is your body will follow the new belief that you have created and make subtle changes to accomplish the task that your subconscious mind believe is happening. Your cravings will stop. You will want more water. You may even poop a little more often. It can be quite interesting to see the way your mind and body responds to your efforts in manifesting your new weight.
Cite: This information comes courtesy of Wendi Friesen. Hypnosis is a great way to make positive changes in your life. It works well for stress reduction, relaxation, addictions and breaking life patterns. I highly recommend Wendi’s work. When her programs are followed, they are highly successful. She has several weight loss hypnosis sets available, as well as many other hypnosis CD’s for health, healing, and positive changes. Go to the website to order Wendi’s hypnosis CD’s – www.tlchouston.net.
Here are 13 fat loss tips you may not be aware of.
1. Eat the right balance of protein, carbohydrate and fat for YOUR metabolism
The Zone balance is a good place to start – but it may not be the ideal balance for you.
How do you know?
Your fat loss has stopped, and you are above your ideal
You are an apple shape – weight goes on around your trunk and stays there
Keep your lean protein (like meat or chicken) to the ideal block amount – generally this is 90 grams for women and 120 grams for men at each meal. Add a bit more if you are taller than average, or do a lot of exercise. Snacks, have 1/3rd this amount.
Cut the carbohydrates down by 1/3rd to ½ of typical Zone amounts.
This will be 1 – 2 blocks less of carbohydrates per meal, so instead of 3 you have 1.5 - 2 blocks. Choose mainly vegetable carbohydrates, and smaller amounts of fruit.
Carbohydrates trigger the release of insulin, insulin triggers fat storage. By eating less carbs and choosing ones which digest into sugar slowly, less insulin is released. Lower insulin levels allow fat to be released from storage.
Protein keeps you from getting hungry by stimulating PYY a hormone that decreases appetite, and glucagon which keeps your blood sugar levels stable. Protein also keeps your metabolic rate up.
2. Cut the stress hormones.
Stress hormones like cortisol keep your insulin levels up and stop fat release, especially around the trunk area. Stress can increase cravings and overeating.
What ever your stress – find a way to reduce it. Work or relationship, not doing what you love, unresolved issues, can all lead to chronically high cortisol levels.
Physical stresses like lack of sleep or over exercising can also keep stress hormones high. Lack of sleep triggers cortisol, high insulin levels and cravings. You need 7 – 9 hours of sleep per night.
3. Cut the toxins.
Your fat is the ideal place to store away toxins to keep them from harming you.
Cut out all the food that contains anything on the label that you don’t recognise as coming directly from nature. Eat organic food which is free of pesticides if possible.
Cut out bad fats; trans fats found in deep fried and processed foods, arachidonic acid found in fatty red meat, saturated fat in meat and dairy. Interesterified fat found in margarine increases fat storage and insulin resistance. Use olive oil instead.
Drugs – either over the counter or prescription can be toxic and some trigger fat storage.
Eat live, unprocessed whole food.
Have clean fresh additive free food. Lean meat, fresh seafood, fresh fruit and vegetables, raw nuts and seeds - preferably organic. You will get an abundance of nutrients, free of synthetic toxins.
4. Cut out artificial sweeteners.
Just the taste on your tongue of artificial sweeteners triggers insulin release, which triggers hunger and fat storage. Cut out all chemical sweeteners.
5. Omega 6 plus high insulin levels – a recipe for fat storage.
Omega 6 can be converted to arachidonic fatty acid, the building block of pro-inflammatory hormones. If you release high levels of insulin (by eating excess carbohydrates) you increase the enzymes that convert omega 6 into arachidonic acid. Barry Sears calls this fat “Toxic Fat” Your body deals with excess levels of this toxic fat by shunting it into fat cells.
Cut out any sources of omega 6, it is found in vegetable oils, soy oil, sunflower and safflower oil. Use olive oil, raw nuts and avocado – these are high in omega 9 or monounsaturated oil only. Keep your insulin levels down, by eating the right amount and type of carbohydrates (see1 above).
6. Increase Omega 3
Adding fish oil omega 3 to your diet increases fat burning. People on a diet lose more weight when they add omega 3. Animal studies show Omega 3 increases thermogenesis (increase heat production and burns more calories).
Omega 3 also appears to decrease appetite by influencing hormones like ghrelin and leptin.
People with higher levels of Omega 3 have lower body fat than those that have low omega 3 levels.
Add omega 3 to every meal to increase thermogenesis and control appetite.
Take a good quality Omega 3 supplement at each meal. You need at least 2.5 grams EPA+ DHA per day to encourage fat loss.
7. Vitamin D – keep your level in the high range
Low vitamin D levels are linked to being more overweight.
In one US study increased intakes of vitamin D improved weight loss while following a calorie-restricted diet.
If you have had no sun on your skin all winter and no vitamin D as a supplement – you will be deficient in this incredibly important vitamin.
How much vitamin D do you need?
Now that we can see the sun – get 10 minutes exposure on arms and legs daily before 10 am or after 2.00pm. You may also need to supplement.
Recent advice is to supplement with 2000iu – 5000iu per day to keep your vitamin D levels between 125 – 150nmol/L (A blood test will show you if you are taking enough)
8. Keep your body more alkaline
Keeping your body alkaline promotes fat loss according to nutritionist Dr Libby Ellis. Foods are either acid forming or alkaline forming. Our body functions best when it is slightly alkaline. Our diets have become increasingly acid forming. All grain products, all meat, protein, dairy and salt are acid forming foods. Most fruit and vegetables are alkaline forming.
Keep your body alkaline by eating lots of fresh colourful vegetables and fruit to balance protein. These are preferable to grains which are acid forming.
9. Iodine – you need to get enough for thyroid hormones, important for metabolism.
Iodine is a mineral that is deficient in our soil. This is why salt is iodised. Iodine is critical for making thyroid hormones which are important for your metabolism. However if you have little salt, you may be iodine deficient, and your thyroid can’t make the hormones you need to keep up your metabolism. Take kelp tablets, and include seaweed in your meals. (Thompson’s Kelp tabs)
10. Probiotic bacteria can increase weight loss
Healthy gut bacteria play a role in digestion. Some experts theorise that the more good bacteria can aid fat loss. In one study pregnant women who took a probiotic while pregnant lost weight more easily after the baby’s birth than those who didn’t take one.
(Nutralife Maxi dophilus)
11. Take a good quality multivitamin to curb cravings
Our soils are deficient in many minerals including zinc, iodine, selenium and magnesium. Food grown in our soil is also deficient in minerals. Cravings can result from nutrient deficiencies, so take a good quality supplement that has minerals, vitamins and antioxidants. You should find those cravings that are unrelated to hunger disappear.
(Zone Micronutrient support)
12. Do the right type of exercise.
Low level cardio is the wrong type of exercise to maximise fat burning. A long brisk walk or slow jog will burn a few calories while you exercise but it will not increase your metabolic rate much post exercise. It will not build extra muscle or trigger hormones like growth hormone that increase fat burning. Also low level cardio can increase your appetite, so undermines your weight loss efforts.
So what type of exercise should you do?
High intensity exercise and weight resistant exercise. This will result in fat burning between workouts as it increases growth hormones. Weights build your strength and muscle mass – it also tends to suppress appetite. More muscle leads to an increased fat burning capacity. And instead of a walk – do sprints. Map out 100 metres and sprint then rest, repeat several times.
Don’t over-train though, this increases cortisol. Workouts should be no more than 45 minutes long.
13. Other supplements that promote fat loss
CLA, conjugated linoleic acid is a fatty acid has been shown in a number of studies to reduce body fat levels while increasing lean muscle mass. Body shape CLA caps
Green tea extract, rich in epigallocatechin gallate (EGCG), is a polyphenol which helps stimulate thermogenesis. Recent research shows EGCG supplementation can help promote fat oxidation and help induce lipolysis (fat burning). (Zone Weight Loss support)
Super CitriMax, Hydroxycitric acid (HCA). HCA has been shown to assist in various measures of weight control. In one study where participants were on a calorie reduced diet, those who had added HCA had greater fat loss. Their average BMI fell by 6.3 percent (compared to only 1.7 percent for the placebo group). (Results do depend on dosage)
Thompson’s Weight Manager
All supplements are available from the online shop www.zonediet.co.nz
"Why should I choose debt settlement over debt consolidation?"
Why should I choose debt settlement over debt consolidation? The reason is very simple: When people understand that their debt status needs urgent attention, it becomes too late for consolidating through a loan. Consolidation is an intelligent option when the credit score is good with no defaults. If there was a default in payment, missed payments on loans, bills, etc then the only choice left is Debt Settlement. Only if your credit
history is proper without any defaults, you will be able to obtain a lower interest rate. If you really want to compensate at least a bit for the extension of the repayment program or avoid a bankruptcy, without increasing your debts more, Debt settlement is a viable option.
Debt Settlement Advantages Over Consolidation: When you opt for a Debt Settlement, you actually get a reduction in the debt amount. Through negotiations with your creditors, debt settlement agents can obtain new terms on your debt. With Debt settlement you also have a possibility to get a 60% waiver off your loan amount. When your have financial constraint, debt settlement agents will negotiate on your behalf to your creditors and get a deal that can improve your current situation. This definitely works 99.99% well because, if a solution is not arrived, then the possibility of filing a Bankruptcy is high which neither beneficial for the creditor nor you.
The most important advantage is that, after you get a Debt Settlement your credit score will start ticking back. If you already have a bad rating due to defaults, then settlement would be a wise option to reduce debts and become debt-free.
Why would we think about Debt Settlement or Consolidation? Leave aside credit rating, cause when we are in debt that might be the last thing we worry about. The other issues that led to frustration and shame would include, but be limited to the following:
* Bankruptcy and it's implications.
* Harassing collection calls.
* Piling pending bills & ever increasing loan amount.
It is rather funny to opt Debt Consolidation, where it’s like trying to think you are free of debt, but reality is that you get debt from another resource and repay current debt resulting in Debt again. At times the second loan can end being higher than your original loan commitment!! Debt Consolidation and Debt Settlement are really handy in clearing debts, but we should know when to choose what. As far as I am concerned, I would go with Debt Settlement as I will not only become debt-free sooner, but also can get up to 60% waive-off!!
history is proper without any defaults, you will be able to obtain a lower interest rate. If you really want to compensate at least a bit for the extension of the repayment program or avoid a bankruptcy, without increasing your debts more, Debt settlement is a viable option.
Debt Settlement Advantages Over Consolidation: When you opt for a Debt Settlement, you actually get a reduction in the debt amount. Through negotiations with your creditors, debt settlement agents can obtain new terms on your debt. With Debt settlement you also have a possibility to get a 60% waiver off your loan amount. When your have financial constraint, debt settlement agents will negotiate on your behalf to your creditors and get a deal that can improve your current situation. This definitely works 99.99% well because, if a solution is not arrived, then the possibility of filing a Bankruptcy is high which neither beneficial for the creditor nor you.
The most important advantage is that, after you get a Debt Settlement your credit score will start ticking back. If you already have a bad rating due to defaults, then settlement would be a wise option to reduce debts and become debt-free.
Why would we think about Debt Settlement or Consolidation? Leave aside credit rating, cause when we are in debt that might be the last thing we worry about. The other issues that led to frustration and shame would include, but be limited to the following:
* Bankruptcy and it's implications.
* Harassing collection calls.
* Piling pending bills & ever increasing loan amount.
It is rather funny to opt Debt Consolidation, where it’s like trying to think you are free of debt, but reality is that you get debt from another resource and repay current debt resulting in Debt again. At times the second loan can end being higher than your original loan commitment!! Debt Consolidation and Debt Settlement are really handy in clearing debts, but we should know when to choose what. As far as I am concerned, I would go with Debt Settlement as I will not only become debt-free sooner, but also can get up to 60% waive-off!!
Weight Loss- Eating out without Breaking a Diet
A good weight loss plan is relatively easy to find. But the strength to carry it out is not always present, right? Say, you decide to finally start your diet on Monday. The Monday is finally there but a friend calls you to a dinner party- it’s not polite to say no, and when you go there and see everybody munching- you resist to join them. “Ok, next Monday”,-you say to yourself, but next Monday is something else and so forth. So the Next Monday usually turns into the “MONDAY THAT NEVER COMES”. The scale, however, shows the sad truth- you actually gained weight.
Does that sound familiar? But, how are you supposed to resist all the temptations? Don’t go out? Don’t socialize? Avoid going to restaurants or for drinks? Well, no. Off course not! You are not supposed to give up all the fun stuff in your life in order to lose weight. You can even go to a restaurant and still follow your weight loss plan. The only thing you have to do is to be careful and don’t forget you main goal.
I will try to explain it like this: If you think you’ll get a car, and instead you get a bicycle-you’ll end up disappointed, right? But if you think you’ll get rollerblades and instead you get a bicycle-you’ll be happy. You see, it’s all in the head. Great expectations are more likely to cause bigger disappointment. Now, what this has to do with food? Well, if you decide do skip a night out in the restaurant and stay home you will probably get depressed and think how all your friends are out having fun while you have to be on a stupid diet. You’ll lay on the couch, watch TV and, in the end, probably decide you deserve a treat too- an ice cream or a slice of pizza. And there you go- you broke your diet, you feel bad about it, your motivation is low, and you are still not out having fun.
However, if you do go out you will eat and break your diet, right? No! When you go out you have to keep in mind you’re on a diet. Furthermore, you need to be Proud about it because You are doing something good for yourself! Order a salad and a small portion of something low on calories- white chicken meat or a fish, for example. Eat your meal slowly and frequently take small sips of water. Make breaks to talk to your friends but don’t talk and eat in the same time. When you are eating pay attention to your food and taste every bite. Soon, you will realize that you are full before your plate is empty. You had a lot of fun, you ate, but you didn’t break the diet. The realization that you managed to control yourself will motivate you to continue and improve both- the diet and your social life.
Tough Times for Credit Card Issuers as President Obama Signs Bill
Summary: New legislation and how it will affect credit card holders and the issuers of credit cards.
President Obama signs bill
As a result of years of pressure from many quarters and headed mainly by the consumer groups as well as Democrats, President Obama lent his signature to a bill that effectively outlaws raising of rates of interest and fees with regard to credit cards. This legislation concerning the credit card interest rates and fees have been a long time in the works. Initially, a bill was passed by the House in 2008 and once again in the early part of this year. There are many practices that issuers of credit cards target consumers with which are abusive to say the least and the bill that hopes to outlaw these practices were praised by President Obama
at a bill-signing ceremony at the White House recently. He hoped that the bill will help to bring about a substantial change.
at a bill-signing ceremony at the White House recently. He hoped that the bill will help to bring about a substantial change.
Objections from the banking industry
The advocates of the banking industry are objecting to these changes vehemently saying that it would only result in Americans having their credit tightened. However, the bill was passed with overwhelming margins in the House and Senate earlier in the week. Senators from both parties supported this legislation. The government denied the allegation that this bill was designed to protect the consumers who have been fiscally reckless and negligent with their credit cards.
New law to be effective from February 2010
The new law will come into existence as it take effect somewhere in February 2010. But, the consumers will have to deal with hikes in rates till that time and the legislation will have no retrospective effect. So, during these next months consumers using credit cards are bound to be careful. According to the new legislation consumers under the age of 21 will find it more difficult to obtain a credit card. Any rate hikes are also banned under this with the exception of consumers who are late by more than 60 days. They can hope to get their rates back to the original rate if they pay the minimum amount over the next 6 months.
Possible aggravation of the credit card crisis
This bill will cause the banking industry to suffer great losses and is being decried by them. They point out that this bill will only aggravate the existing credit crunch and will most probably end up in the banks having to ditch a number of risky credit cards. Meanwhile, the American Banker’s Association has threatened to reintroduce higher interest rates for all credit card holders along with the charging of annual fees. This course of action will effectively penalize those consumers who have been paying their bills on time and building good credit.
Increasing interest rates and fees
Over the last few months of this year the credit card companies have been steadily increasing interest rates and fees by a significant percentage according to a report by the Federal Reserve board. 80% of all American families have at least one credit card. Out of this number only about 44% of these families who use credit cards carry a balance. This legislation should not be construed as a means of escaping the payments that are due on a credit card by fiscally irresponsible consumers. It would also be ideal if a way could be found to accommodate those who have made regular payments and generally looked after their credit rating.
What are different types of web hosting available?
In the initial procedures of having a website, web hosting is a determinant step to get a successful final product. It is surely one of the most demanding and delicate steps to get started in the online world. All web hosting quests necessarily ask for the client’s needs and intentions, as well as other services like custom designs and special applications. In this case, there are different sorts of web hosting available on the internet to fill the requirements of lots of clients.
The type of web hosting to be chosen depends mainly on the website that is going to be designed. In each of the hosting types, there are diverse characteristics that can be found useful for certain clients. That is why there are different types for each sort of client. The following are various kinds of hosting that clients can choose from.
Shared web hosting consists on a single server that hosts different accounts including the client’s. This means that a website shares the same server with many other websites, so a client only gets a part of the server. Clients who opt for this type can enjoy the MYSQL, ASP, and PHP programming features at reasonable prices. However, the term “shared” does not mean that clients are going to have bad customer service. Quality service is guaranteed even if the hosting company has thousands of websites to support.
Virtual Private Server or VPS hosting follows the same principle of shared hosting but clients have separate spaces within the same server. Clearly, this sort of server is more powerful so that clients have complete control over their account. This type allows clients to freely use various programming features like Apache, MYSQL, PHP, and some more.
Dedicated server is a type of hosting server that provides non-shared accounts. This type is highly important for users who need to configure the operating system and have total control over it. Clients having a large database can opt for this type to keep their website features running safe and accurately. Also, the server can be managed by the web hosting company if the client does not have the time or knowledge to maintain it.
Co-location hosting is both particular and mutual, so the client has its own dedicated server (physical machine) and asks a data centre to make it work properly for a monthly fee. In this case, the machine owner is the main responsible for its configuration and maintenance even if it is placed in a remote place.
Consequently, people having their own “hosting machine” can take advantage of it by providing spaces for other accounts. This practice is known as “Reselling Hosting” which means that clients owning their own server can resell disk space and bandwidth for other clients looking for hosting.
Finally, free web hosting type is essentially used by hobbyists. In this case, the client can opt for a certain hosting where the domain name is placed after the provider’s domain name. For instance, the service provide domain name goes firsts like geocities.com; then it is followed by the clients’ domain name: nameclient, then the final website address appears as www.geocities.com/nameclient. This type of hosting is specially designed for clients who are looking to upload contents without having a direct moneymaking interest.
The type of web hosting to be chosen depends mainly on the website that is going to be designed. In each of the hosting types, there are diverse characteristics that can be found useful for certain clients. That is why there are different types for each sort of client. The following are various kinds of hosting that clients can choose from.
Shared web hosting consists on a single server that hosts different accounts including the client’s. This means that a website shares the same server with many other websites, so a client only gets a part of the server. Clients who opt for this type can enjoy the MYSQL, ASP, and PHP programming features at reasonable prices. However, the term “shared” does not mean that clients are going to have bad customer service. Quality service is guaranteed even if the hosting company has thousands of websites to support.
Virtual Private Server or VPS hosting follows the same principle of shared hosting but clients have separate spaces within the same server. Clearly, this sort of server is more powerful so that clients have complete control over their account. This type allows clients to freely use various programming features like Apache, MYSQL, PHP, and some more.
Dedicated server is a type of hosting server that provides non-shared accounts. This type is highly important for users who need to configure the operating system and have total control over it. Clients having a large database can opt for this type to keep their website features running safe and accurately. Also, the server can be managed by the web hosting company if the client does not have the time or knowledge to maintain it.
Co-location hosting is both particular and mutual, so the client has its own dedicated server (physical machine) and asks a data centre to make it work properly for a monthly fee. In this case, the machine owner is the main responsible for its configuration and maintenance even if it is placed in a remote place.
Consequently, people having their own “hosting machine” can take advantage of it by providing spaces for other accounts. This practice is known as “Reselling Hosting” which means that clients owning their own server can resell disk space and bandwidth for other clients looking for hosting.
Finally, free web hosting type is essentially used by hobbyists. In this case, the client can opt for a certain hosting where the domain name is placed after the provider’s domain name. For instance, the service provide domain name goes firsts like geocities.com; then it is followed by the clients’ domain name: nameclient, then the final website address appears as www.geocities.com/nameclient. This type of hosting is specially designed for clients who are looking to upload contents without having a direct moneymaking interest.
Home Loan Application Tips and Info
Steps for you to take to assure that your home loan application process is a smooth one! The following is an overview of what you will need to know about the home loan process--from Pre-Approval to Closing:
1. Call for a Pre-Approval analysis and letter
3. Select the home loan product, rate and term options that best meet your needs.
4. Complete your home loan application in person, by phone, fax or mail (depending on the lender). A fee of $350-$500 will be due at the time of application to cover the cost of the credit report and property appraisal.
5. Provide the lender with all the items or documents required to complete the application.
6. When all the necessary documents are received, the lender will order an appraisal and credit report, will underwrite the application and keep you informed on the status of the application. Call if you don't hear back on a regular basis.
7. The lender should provide you with a "Good Faith Estimate".
8. Monitor your application's progress by finding out when it is to be submitted to underwriting, when it receives underwriting approval. Keep an eye on your interest rate 'lock-in' date and if there seems to be a delay in the processing, ask if further information or documentation is required. Respond promptly to expedite the home loan approval.
9. When the underwriting is complete, the lender will advise you of the decision on the home loan and any conditions associated with the loan and closing. Some lenders will provide a written commitment letter.
Application proxy
To understand the application proxy, consider this scenario where you needed to deliver your neat little package of network data. With application-level proxies, the scenario is similar, but now you need to rely on someone else to deliver the package for you. Hence the term proxy illustrates this new scenario. The same rules apply as they do for packet filtering, except that you don’t get to deliver your package past the gate. Someone will do it for you, but that agent needs to look inside the package first to confirm its contents. If the agent has permission to deliver the contents of the package for you, he will.
Most commercial routers do not have proxy capabilities today, although I believe that proxy technology will be integrated with router code in the future. Until then, you need to rely on a standalone system that can support application-level proxy services.
Since an application proxy needs to communicate on behalf of the sender, it needs to understand the specific language or protocols associated with a particular application. Take as an example the widely used HTTP (Hypertext Transfer Protocol) proxy. If you are using a browser on your network, it is highly likely that your IS group has an HTTP proxy configured to allow you to access the Web via a central server. That single machine understands HTTP conversations and can speak on behalf of the requesting client. This is application level proxying.
Of course, security and encryption also come into play, since the proxy must be able to open the “package” to look at it or decode its contents. These are important issues obviously, but to do them justice would require another article.
“I love you” virus
On May 21, 1999, some American scientists were working at the computers to look for information they needed. Suddenly they saw a lot of very bright red spots crossing the computers’ screens. At the same time the computers were working much slower. To find out what was happening they stopped their work to check some parts of the computers. To their horror, they found out that most of their stored information was got rid of by computer virus! Obviously all these computers had been infected by computer virus.
It is said that the computer virus was made by two or three Philippine young men fond of playing tricks. They all had excellent education. They created the virus just to show their intelligence. The kind of computer virus is named “I Love You” Virus. This virus can hide in computers for long. When the time comes it will attack the computers by lowering the important functions, damaging their normal programs or even getting rid of a great deal of information which operators of the computers often use or store; even worse, it still can reproduce itself in great quantities within a short time.
We come to know that “I Love You” Virus often attacks computers on Mondays and that it is spreading to many computers in the world. Among the countries that suffered computer viruses last year are Britain, Australia, Switzerland and the US. Those who made the computer viruses have been found out slowly and carefully. But till now, how to get rid of the terrible viruses remains a problem.
It is said that the computer virus was made by two or three Philippine young men fond of playing tricks. They all had excellent education. They created the virus just to show their intelligence. The kind of computer virus is named “I Love You” Virus. This virus can hide in computers for long. When the time comes it will attack the computers by lowering the important functions, damaging their normal programs or even getting rid of a great deal of information which operators of the computers often use or store; even worse, it still can reproduce itself in great quantities within a short time.
We come to know that “I Love You” Virus often attacks computers on Mondays and that it is spreading to many computers in the world. Among the countries that suffered computer viruses last year are Britain, Australia, Switzerland and the US. Those who made the computer viruses have been found out slowly and carefully. But till now, how to get rid of the terrible viruses remains a problem.
Quick Tips on Avoiding Debt when Money is Tight
When finances are tight, many people turn to their credit cards or home equity if they need money. However, racking up extra debt to deal with financial difficulties is a strategy that's almost sure to backfire. Here are some quick tips on avoiding extra debt when money is tight.
Continue to pay down debt
The most important thing to remember when money gets tight is that you should continue to pay down your debt whenever possible. Even when you have less money in your wallet, you should be following the three golden rules about debt:
* Always pay more than the minimum amount due. If you pay just the minimum, you'll only be paying off the interest, and it'll take you years to pay off your total debt. Even if all you can afford is £10 more than the minimum, you'll be better off than just paying the least amount possible.
* Avoid running up unnecessary new charges. This goes without saying during tough financial times. Read on for ideas on how to avoid new charges below.
* Pay down your highest interest card first. Work out which of your cards is charging the highest interest rate and put more money toward that one.
Avoid new debt
People often turn to credit cards or home-equity loans to cover basic costs during tough financial times. Though this strategy may cover your expenses for a few months, it will almost certainly put you in a worse situation in the future. If you don't have the money now, you probably won't have it later when it's time to pay back what you've borrowed. If your financial situation is tight enough that you are considering taking out a home equity loan or charging basic expenses to a credit card, you may find it helps to talk to a financial expert or credit counsellor about how you can reshape your finances.
Here are some more ways to avoid debt when money is tight:
* Remember that a home-equity line of credit is still debt - it just uses your home as collateral. Many people have been taking cash out of their homes to save up for an emergency, but they don't realise that they are actually losing money by doing so. Once you take out a line of credit, you'll be paying at least 5 percent interest, which is far more than you'll be able to earn if you keep the money in a savings account. It just doesn't make financial sense to use home equity to build a "financial cushion." You're far better off restructuring your expenses and saving the cash instead.
* Cut back on expenses before using credit. Most people can find something in their spending that can be cut. Try this first before you turn to credit cards or a home-equity loan to cover regular expenses.
* Put a freeze on credit. Sit down with family members and agree not to use your credit cards for a certain amount of time. This will help you tackle your current debt without adding new debt. You may find it helpful to remove your credit cards from your wallet or purse or to put a reminder note on your card so you're not tempted to use it.
* Get help. Again, if your financial situation is so tight that credit seems like the only place to turn, consider getting help from an expert. A financial counsellor can help you create and stick to a budget and pay down your debt instead of adding to it.
It may not be easy to avoid debt during tough financial times. It might take discipline and sacrifice. However, when money is tight, you'll feel better knowing that you're taking steps to secure your financial future, not putting it at risk.
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