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Comments Off on Knee-deep in debt, consider student loan consolidation programs

Knee-deep in debt, consider student loan consolidation programs

| Articles | February 28, 2010

You finished college. Good for you, but how did you finish it? If your answer is student loans, many Americans are like you. However, some lucky once successfully found a way out of being knee-deep in student loans.

Student loan consolidation program

This program helps people to manage their finances easily by consolidating their student loans into one easy to pay loan. Student loan consolidation program will help reduce your monthly payments up to 50% or more. This reduction in your monthly payment, of course, will depend on how much is your total student loan.

However, because of the reduction in your monthly payment, you can use the spare money for other expenses like car payments, household needs and even, for childcare.

You may also take advantage of the lower interest rates for the student loan consolidation program.

Additionally, if you are able to consolidate all your student loans in one, this process will improve your credit rating.

Best for defaulted student loans

There is also a program especially for defaulted student loan creditors.

The student loan consolidation program for defaulted creditors will include counseling. After which, the consolidator will buy out your existing loans in order to erase it from the books.

Now, you will be able to pay your loan religiously because the consolidator would have adjusted your monthly payment to a comfortable level. You credit rating will be better and you will not have to experience nightmarish wage garnishment, harassing phone calls and tax refund confiscation, not to mention the fact that you will also avoid receiving strongly-worded collection letters.

Federal direct loan consolidation program

Finally, if your student loans fall under the federal direct student loans, in addition to the more than 50% reduction in your monthly payments, you will be given a lock in lower interest rate.

This lock in lower interest rate will shield you against inflation fluctuations and the lower interest rate means lower monthly payment.

Another convenience of the federal direct loan consolidation program for student loans is that you only make one loan payment every month. In addition, the convenience of matching your repayment plan and your financial situation is part of the options available in this program.

It will thus be easier for you to pay religiously and avoid having to default in your payments.

This federal student loan consolidation program also extends you the assistance of easy application, no fees to collect, no need for credit checking and no application or origination charges.

With all these student loan consolidation programs, you can now sleep well at night knowing that your monthly burden is now easy to pay. There is no need for you to be stressed in thinking how you can pay all your student loans.

For other information regarding student loan consolidation programs, you may check out the internet and have all the necessary information to help you save your credit status.

Comments Off on Kenwood Car Stereo Lets You Listen To The Future Of Car Audio.

Kenwood Car Stereo Lets You Listen To The Future Of Car Audio.

| Articles | February 26, 2010

This brand is a household name for every car audio enthusiast. Mention the name Kenwood car stereo and they will know what you’re talking about.

Kenwood car stereos have produced high quality consumer electronics, test equipment and communication equipment since 1946. Kenwood car stereos primarily specialize in the design, engineering and manufacture of wireless communication infrastructure but are also renowned in the production consumer mobile and home entertainment systems. Kenwood car stereos are also committed to creating the finest quality components with state of the art technologies that has earned them a huge following in the audio products scene.

At present, Kenwood car stereos have a very impressive product lineup that would make anyone drool over, whether he is an audio enthusiast or not. For the regular Joe who isn’t really into technical stuff, and is just looking for something nice to put into his ride, Kenwood car stereos offer sleek designs that will surely satisfy anyone’s craving for aesthetic. Tech-freaks and geeks will also be impressed with the specs a Kenwood car stereo has.

A lot of Kenwood car stereo units nowadays include popup LCD panels for watching VCD/DVD movies. The Kenwood KVT-717DVD 7.0″ Wide, Fully Motorized In-dash Monitor DVD/WMA/MP3 Receiver is a good candidate for any situation.

7.0 inch Wide Color TFT Active Matrix Display

Full-automatic Open/Close with slide and angle adjustments

Interactive Touchscreen Control with OSD

Audio Easy Control Mode while Playing Visual Source

Selectable Wall Paper (6 Patterns)

Installer/Backup Memory of Audio/Video Setup

Maximum Output Power : 50W x 4 (MOSFET Power IC)

3 Preouts with 5V Pre-out Level

2 RCA AV Inputs / 1 RCA AV Output

Video Input for Rear View Camera

RGB Input for Navigation System

System Q/ System E’s+

DVD Menu Direct Touch screen Control

MPEG 1/2 Video files (.mpg) and JPEG files (.jpg) Playback

Dual Zone Source & Volume Control

DVDR/RW Compatible

External Media Control – iPod Ready

Optional TV Tuner

For those who might not get what the hell all of these means, just imagine this: a really thin monitor panel that smoothly retracts and extends at the push of a remote, crystal clear movie and picture playback, all encased in a beautiful black matte finish polymer casing done with a space age design.

If all you want is a just a regular car stereo for playing CDs’, listening to mp3s or the radio, Kenwood car stereo have a lot to choose from. A good head unit would be the KDC-MP928 AAC/WMA/MP3/ CD Receiver with External Media Control.

Auto-Slide Detachable Faceplate

Rotary Encoder & Jog Control Knob for Easy Operation

4096 Color OEL Display

Display Customize Function

Maximum Output Power : 50W x 4 (MOSFET Power IC)

ACDrive (Advanced Codec Drive)

AAC/WMA/MP3 Playback

G-Analyzer (Graphic Motion Analyzer)

Built-in DSP : DTA/System Q(4band P-EQ)/Digital E’s/SRS

WOW Digital Effect

O.D.D. (Offset Dual Differential) D/A System for Sound Quality

Installer/User/Backup Memory of Audio Setup

SIRIUS Satellite Radio Ready

HD Radio Ready

External Media Control – iPod Ready

Dual Zone Source & Volume Control

AUX Input

Gold Plated 3 Preouts with 5V Pre-output Level

The Kenwood car stereo auto slide detachable faceplate allows you to take the faceplate (one which has all the buttons) in order to prevent theft by taking away the functionality of the unit left in the car.

Comments Off on Keeping Fresh with Portable Air Purifiers

Keeping Fresh with Portable Air Purifiers

| Articles | February 25, 2010

Most of us have heard of the importance of air purifiers in the home. No matter how much you clean, there is always something floating in the air. Toxins from cleaners, air fresheners, aerosol spray bottles, pet dander, dust, mold, etc. But what if you need to travel and still want fresh air? This is where a portable air purifier comes into play. When you need to leave home and go into a crowded airport, movie theater, waiting room, etc you can now wear a portable air purifier around your neck or on your shirt pocket and breathe much easier.

The portable air purifier works in a similar way to a standard air purifier. But it creates a zone in front of the mouth, nose, and eyes and repels the dust, smoke, pollen, allergens, dander, and anything else light enough to float in the air (up to .3 to 3 microns). Testing also reveals that the portable air purifier kills many germs that are not repelled before being breathed in. The level of toxicity does not affect how well the air purifier works. It repels or kills all germs and toxins, no matter how potent. This is a great way to avoid spreading viruses. Wearing a surgical mask protects to a point, but the viruses stick to the mask. The portable air purifier does not store the impurities.

There are numerous testimonies of people who have used air purifiers and noticed an immediate improvement in health. If you have allergies or sensitivity it is especially important when traveling to use a portable air purifier. During flu season and allergy season this really comes in handy. Instead of getting drugged up to feel better, avoid accessing these germs and allergens in the first place. One mother mentioned that before they got their air purifier the family would pass the flu around until everyone got it. Since they purchased the air purifier, they no longer take turns with the flu. Doctor’s offices and hospitals are especially prone to indoor pollution. Remember to take your portable air purifier to your next doctor’s appointment. It is better to prevent than treat.

Portable air purifiers are less expensive than standard air purifiers. The portable air purifier can run on lithium batteries or you can use the fast charger and a set of rechargeable batteries for unlimited use. Currently there is research being done to target even smaller particles down to the size of the influenza virus (.04 microns). The results look promising, but are still preliminary. Portable air purifiers are small, lightweight, and can be worn around the neck on clipped to a shirt pocket. A breath of fresh air is now for sale.

Comments Off on Keeping a Dog Tick-Free

Keeping a Dog Tick-Free

| Articles | February 24, 2010

Dogs and in general all pets tend to spend more of their summer time outdoors. In case of dogs, it is very important to be careful about parasites, bugs and micro organisms that can harm them while they get their whiff of fresh air. Precautions are necessary to keep these dangers away. One of these pests that can cause a lot of nuisance and damage are the ticks since they carry diseases. Avoiding the ticks is of prime importance than curing at a later stage.

Why Ticks?

Ticks tend to stick to warmer temperatures, CO2 and movement. Ticks do not transmit through the air. Their motion is limited to crawling. They transmit themselves by climbing up taller structures or plants and drop onto any living and moving human or animal. The danger of diseases or kinds of diseases transmitted by ticks depends upon the country and culture, therefore the cure of after effects of ticks and ticks itself varies from country to country. The danger of having ticks on your dogs body begins once the tick bites. The bite itself is painless and unfeeling but the place of bite might get infected in no time. Consulting a veterinarian is advisable for treatment which normally involves oral antibiotics. If your pet dog is diseased due to a tick bite, there is a risk of infection spreading due to your dog salivation on or biting another pet. The most popular disease spread by a tick bite is the lyme disease but not the only one.

How to keep ticks away from your pet dog

The best way to avoid ticks is to avoid walking your dog in the midst of vegetation during tick season. Always keep the vegetation around your house trimmed. Certain preventive medication products are also available. More information can be gathered from your veterinarian about suitability of these to your dog in respect to age and area. Do not use medications without consulting and proper instructions must be followed in using this kind of medication. Please remember that these medications are suited for a single class of pets only, meaning that tick prevention medication for dogs is for dogs only and should not be used on cats or any other pets.

Removing Ticks

When your dog comes back from outdoors make sure to check him carefully for ticks. They are normally found in warm areas, under the arms, in the ears, between the toes and in the folds of the skin. If you find any, remove them safely. Do not touch the tick, use a alcohol swab, then pull it up slowly with tweezers. Make sure not to leave any parts of the tick sticking to your dog. If you are unsuccessful contact your vet.

Comments Off on Just Face It, Your Kids Think You’re an Artifact

Just Face It, Your Kids Think You’re an Artifact

| Articles | February 23, 2010

Do you remember when you were young and you felt like you would never grow up? Thirty seemed like a really old age and you would not have to worry because it would take forever for you to get there anyway.

You also thought your parents were artifacts who must have been born in the Stone Age. They had no clue about what you liked and what kind of problems and issues you faced every day in life.

Well, you did grow up, and quickly. Now you are over thirty and have a couple of kids who are getting to be the age you were when you thought that about your parents. You, however, have made a conscious effort to keep your kids from thinking that you and your spouse are artifacts.

But it is not going to work, not matter how hard you try. You can think you are an amazing parent who totally understands

what your kids are feeling and going through because you went through it to at a time. But they do not think that way.

They think you are an old geezer who would not understand what they are going through in life even if it bit you in the pants. Do not fret about it. It is a common result of having kids who are growing up and they will also have kids who will treat them that way someday.

It is human (or kids) nature and it is futile to try and stop them from feeling that way.

The best way to go about it is to simply acknowledge that yes, you are artifacts and you have no idea what is going on with

their lives. Then let them try to figure out their problems on their own and eventually come back to you for guidance.

Trust this fact, it will happen sooner or later.

The most important thing is to remember that your kids do love you but they are going through that stage when they are

too cool for everything and life is the most unfair piece of work ever. Those feelings will pass and eventually you will be

best friends with your children again.

However, for now, let them think that they are the most amazing and smart people in the world who can figure out everything

for themselves. Remember, you are just artifacts who would not know a real problem like they have and you could not possible understand what they are going through.

Instead, simply sit back, relax and smile as they go through the teenage drama that all kids go through and laugh and say

that you told them so when they ask you for advice.

Then someday when they have their own kids, they will come back to you and say how their kids do not know anything and you

can remind them of their past and have a good laugh. Welcome to the unpopular parent club! Population: every parent in the world.

Comments Off on Judging Diamond Quality

Judging Diamond Quality

| Articles | February 22, 2010

What to Look For

If you want to begin judging diamond quality, you must first learn and understand the 4 C’s, which are four characteristics of diamonds that give the gem stone it’s overall value. The 4 C’s for judging diamond quality include the diamonds color, clarity, carats and cut.

Judging Color

Most diamonds are considered to be ideal if they are transparent, or colorless. Diamonds that are rated as colorless are the most expensive of diamonds. The colors of diamonds are rated with an alphabet grading system that starts with “D” and ends with “Z”. Completely colorless diamonds fall in the “D” and “E” grade, while colored, fancy diamonds are at the other end of the alphabet, at “Y” and “Z”.

There are two main ways that jewelers’ use when judging diamond quality based on color. They may pull out a set of reference stones, and find the closest match between the diamond and the reference stone to determine its letter grade. Alternatively, the jeweler may use a colorimeter, which can electronically measure the color of the stone and determine its grade within 1/3 of a grade.

Judging Clarity

The clarity of a diamond refers to whether or not the diamond is clear all the way through, or whether it has tiny flaws and cloudy areas within the gemstone. It’s actually very rare to have a diamond with absolute perfect clarity and no flaws, but most diamond flaws are not visible to the naked eye and can only be seen with a magnifying device.

The Gemological Institute of America (GIA) uses a magnification of about 10x when judging diamond quality based on the clarity. There are treatments available to make a diamond appear nicer than it actually is, and the treatments should lower the overall price of the diamond so it is important to do your research before purchasing a diamond to be sure you are not spending more money than you should.

Judging Carat Weight

Carat is the term we used to describe the weight of a diamond gemstone. One carat is equivalent to 200 milligrams of weight. A single diamond with a high amount of carat weight is more expensive than the equivalent amount of carats in multiple stones. This is because finding the larger diamonds is much more rare of an occurrence. So if you want a 2-carat diamond ring, for example, you may decide to go with a half-carat diamond surrounded by smaller diamonds that add up to one and a half carats to give you the total of 2 carats! Judging diamond quality by the amount of carats is difficult, since different shaped gemstones, and stones with different levels of clarity will be priced differently even if they have the same amount of carats.

Judging Cut

One of the most important factors in judging diamond quality is judging the cut of a diamond. It’s important because a quality cut diamond will be more brilliant and reflects light more beautifully, and yet the cut of a diamond has the least impact on the overall price of the diamond.

When judging diamond quality on the cut of a diamond, look at the stone in a well lit area. If the light seems to go into the stone and bounce back, showing a sparkling reflective surface, the diamond has a good cut. The angles and shapes of a diamond are important to judging diamond quality and the overall appearance of your diamond.

Comments Off on Joining The WTA Tour

Joining The WTA Tour

| Articles | February 21, 2010

Young girls who have taken serious interest in tennis are almost always dreaming of joining the Women’s Tennis Association, or the WTA Tour. Who doesn’t want to join the tour – the women’s counterpart of the ATP Tour – after the Williams sisters, Anna Kournikova, Maria Sharapova, and other contemporary women tennis players have shown that playing tennis can both be intense and glamorous?

Requirements

If you are interested in competing on the WTA Tour, which changed its name to Sony Ericsson WTA Tour in 2005, the first thing you have to do is submit a duly accomplished Mandatory Player Form. This form, which is submitted before every tour year by everyone who wants to join the tour, is available on Sony Ericsson WTA Tour website and must be forwarded to the Tour’s office in Florida through fax.

Aside from the usual information collected, such as name, birth date and complete address of the player, the aspiring players of Sony Ericsson WTA Tour must also submit coach and agent information. Furthermore, you also need to sign Anti-Doping Consent and Player Agreements. When you sign the Anti-Doping Consent, it just means that you are willing to undergo drug testing in compliance with the tenets of the World Anti-Doping Code.

For first-time applicants, you are required to furnish a copy of either your birth certificate or passport, as proof of identification. If you are below 18 years old, you can still join the WTA Tour. You just need to provide the group with Minor Medical Release information and consent from either your parents or legal guardian.

All players who want to join the WTA must submit an annual physical examination clearance, which ensures that she is physically fit and capable to join the games. You should also reach at least the minimum educational prerequisite of your country of origin, before you could join the tour.

Career development and opportunities

The Sony Ericsson WTA Tour is serious in developing and enhancing the professional career of its members; that is why it provides educational assistance and mentoring programs for those who are just starting out. Furthermore, most, if not all, of its new athletes, particularly the minors, must experience the Rookie Phase. In this phase, the player undergoes orientation on the WTA Tour, where she is taught about her responsibilities in and out of the court, what she should expect during the game proper, as well as other business opportunities related to her career.

Here are some of the professional development programs sponsored by Sony Ericsson WTA Tour:

Partners For Success

This is a mentoring program, the first of its kind in professional sports history, that teams a protg, players over 18 that are included in the Top 100 singles rank, with a veteran tennis player, who will serve as the protg’s mentor. The goal of the program is to help budding players chart their professional career.

Athlete Assistance

The Athlete Assistance is an answer to the player’s need for more education and tips in handling their professional career. The Sony Ericsson WTA Tour regularly provides education topics, available on its website, that are focused on improving the player’s performance on the court and answering other problems they may encounter as a professional tennis player.

Media Training

Professional women tennis players conduct themselves well during media interviews and conferences, partly because of the media training provided by the WTA Tour. The training you will get will depend on the professional development phase you are in. Members in the rookie phase are given only basic media training, while members of the Premier and Elite phases are provided a more advanced media instruction.

Parent Orientation

The WTA Tour believes that the parents perform a crucial role in the career development of their children. Thus, the WTA Tour requires all parents to attend and complete its parent orientation, which discusses the facilities and services made available by WTA to the players and the possible obstacles their daughters will encounter in professional tennis.

Comments Off on Job Interview Mistakes – 1

Job Interview Mistakes – 1

| Articles | February 20, 2010

For many, the interview is the single most stressful part of the job search process. Any number of things can go wrong, and a big part of being successful is avoiding simple mistakes. The following is a list some of the most common mistakes during an Interview.

1. Failure to research the company: An interviewer will expect candidates to spend time researching and reading about their company. Do your homework before the interview; really know what the company does and who their competitors are. If you have not taken the time to review the employer website and understand what they are recruiting for, then you are reducing your chances of continuing successfully through the interview process.

2. Not clear on what you’re interviewing for: Be familiar with the job description so you can draw on your experiences, talents, strengths and abilities to connect with company needs. Highlight how you’re suited to that particular job.

3. Not marketing yourself correctly: Define yourself. What makes you different from others? Know your major strengths and accomplishments as they relate to the job you are applying for and the company.

4. Not asking meaningful questions: Have at least 3-4 intelligent questions to ask the recruiter. It’s OK (it actually leaves a positive impression with the recruiter) to have them written down in advance and to reference them at the appropriate time. Interviews are an exchange of information, and not coming in with questions shows that you did not prepare for the whole interview.

5. Under-dressing for the interview: Professional attire and attention to detail still count. You can never be too professional. Remember that everything – your appearance, your tone of voice, your conduct -contributes to the impression (positive or negative) that you make. Be presentable – wear a pressed suit and shirt and polished shoes.

Comments Off on Job Interview Mistakes-2

Job Interview Mistakes-2

| Articles | February 19, 2010

Many people feel that the interview is the single most stressful part of the job search process. Any number of things can go wrong, and a big part of being successful is avoiding simple mistakes. The things you should avoid doing are as below:

1. Trying to wing the interview: Practice! Get a list of general interview questions, a friend, a tape recorder, and a mirror and conduct an interview rehearsal. Practice until your delivery feels comfortable but not canned.

2. Not being yourself: Be yourself and be honest! Don’t pretend to understand a question or train of thought if you don’t. The interviewer will pick up on this. If you don’t know an answer, say so. Relax and be yourself. Remember you’re interviewing the company as well as vice versa.

3. Not listening: Focus on the question that is being asked and don’t try to anticipate the next one. It’s OK to pause and collect your thoughts before answering a question. Pay special attention to technical or work process related subjects that are unique to a given firm or organization. The interviewer may have provided information you will need to answer the question earlier in the conversation. Employers will be looking for your ability to assimilate new information, retain it, and, most importantly, recognize that information as useful to you later in the interview.

4. Not providing enough details: When answering case questions, technical questions or solving technical problems, take the time to “talk through” your thought process. Recruiters are much more interested in seeing how your mind works and how it attacks a given type of problem, than the answer itself. Articulate your problem solving process and verbalize your thinking.

5. Lack of enthusiasm: Maintain eye contact, greet the interviewer with a smile and a firm handshake (not too weak, not too strong), and show common courtesy. Don’t be afraid to display your passion for the job/industry and to show confidence.

Comments Off on Jewelry Lab Certificates and Appraisals

Jewelry Lab Certificates and Appraisals

| Articles | February 18, 2010

The Difference Between Jewelry Lab Certificates and Appraisals

Most people have both jewelry lab certificates and appraisals for their valuable jewelry, but the two documents are not one in the same. They serve different purposes and contain a different set of information that is helpful to jewelry owners, as well as to people who are looking for new jewelry to purchase.

Jewelry lab certificates and appraisals often go hand in hand, but the lab certificate is a document that describes information about an unmounted gem stone, like a diamond that has not been set into any piece of jewelry, while the appraisal provides detailed information on the market value of a piece of jewelry, whether it is unmounted or already set as a ring, earrings, or necklace for example.

Choosing Labs and Appraisals

When selecting jewelry lab certificates and appraisals on jewelry that you are considering to purchase, it is best to select an independent company that provides these documents rather than rely on the documents created by the company that you are planning to buy your jewelry from. Otherwise, you face the potential for the lab or appraiser to be biased, since they will benefit from the sale of jewelry.

If you already have jewelry lab certificates and appraisals on your existing jewelry, but are unsure of their accuracy, it may be worthwhile to have your items appraised again to see what their current market value is.

Jewelry Lab Certificates

Jewelry lab certificates are written reports that detail unmounted gemstones rather than completed pieces of jewelry. The certificates include information about the diamonds (or other gemstone) cut and shape, as well as the stone’s color and clarity grades as decided by the Gemological Institute of America (GIA). Lab certificates contain specifics about the carat weight as well as the dimensions of the diamond, taking into account the stone’s angles.

Once the lab certificate is drawn up, it should not change unless the stone is physically altered or it is found at a later date that the gem stone was evaluated incorrectly the first time.

Jewelry Appraisals

The entire reason people obtain jewelry lab certificates and appraisals is to document the dollar value of the diamond, whether it is for personal investment purposes, or in order to have a physical record of the gem stone for insurance purposes. It is also great documentation to have if you ever decide to sell your jewelry at a future date, or pass it down to family members.

It is wise to have your existing valuable jewelry appraised in case it is stolen, or in the event you go through a divorce or estate settlement. Before purchasing a new piece of jewelry you can also get it appraised to get a good idea what the market value is on the piece before shelling out large amounts of money to pay for it if it isn’t worth the amount of money they are asking for the piece.

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