Car Repair 101

The more you notice about your vehicle, the more likely you'll be able to head off repair problems. Yep- even if you're mechanically challenged. You can detect many common vehicle problems by using your eyes and nose.
“See No Evil”
Is there a little stain or a drop of fluid under your vehicle? It may mean absolutely nothing. But you do want to check the wet spots immediately - just to make sure.
What color is the fluid under your car? Yellowish green, pretty blue or neon orange colors indicate an overheated engine or an antifreeze leak caused by a bad hose, water pump or leaking radiator. Not good. I remember the yellowish green ooze from my Chevette as the tow truck took it away to its final resting place. Get to a repair shop while you still can!
A View the rest of this article

4 Things You Shouldn't Do When You're Buying A Home

1. Don't Make a Major Purchase
You've just found out your credit is A . That's great news, because a new car would look fantastic in the driveway of your new home. But hang on--if you are depending on a mortgage to move in, you'd best wait until after closing to buy the car.
An increase in your debt to income ratio reduces the amount of monthly income available for your mortgage payment. If you tack on a higher car payment, the bank might decide you cannot afford the home.
Using cash to purchase the car could also create a problem, since banks consider cash reserves when approving your mortgage. If you make a major purchase before closing, talk to your loan officer before you do it.
2. Don't Change Jobs Unless It's Necessary
Lenders View the rest of this article

A Path Away From the Crowds Skagway, Alaska

A Path Away From the Crowds Skagway, Alaska


Copyright © 2005 Theresa Gabriel


Women Summit LLC


http://www.womensummit.com/











I was hanging out in Downtown Skagway waiting to fly over the


mountain to our next stop, Gustavus. The fog was low and thick


in both towns, temporarily grounding all flights.





There isn't much to the downtown except tourist shops and


tourists. Some of the shops are interesting and even have


reasonable prices. The tourists, however, have a tendency to


crowd the sidewalks and pour into the streets, seldom watching


for traffic. I acted the same way the first time I walked down


State Str View the rest of this article

IRS Enforced Collection

IRS Enforced Collection- now there is a term that will get your attention. I get certified mail from IRS every day on behalf of clients. Even though I have no tax problems myself, every day I catch myself flipping through that ugly stack just to make sure my name isn't there.When I do get a letter from them about me, as we all sometimes do, shivers run through me like a bolt of lightning.
Fear is the main weapon of the IRS. Just ask anyone with an Internal Revenue Service Revenue Officer breathing down their neck. As many of you know, a threat is much more powerful than the execution of the same threat. If you have kids, you know how that works. Don't threaten them, it won't work when you have to follow through. Same with the boys and girls at the IRS.
With t View the rest of this article

Visualisation: The Secret Tactic Of The Ultra Successful

The power of visualisation is a skill which is often neglected by people who run their own home business.
Visualisation or guided imagery is a very powerful technique that can help increase both your efficiency and effectiveness in achieving your home business goals.
“You must see your goals clearly and specifically before you can set out for them. Hold them in your mind until they become second nature.” --Les Brown--
All top class athletes utilise visualisation to mentally rehearse what they have to do and how they are going to achieve it. By doing this they train their minds and bodies to actually perform the skill as effectively and efficiently as possible.
For example, Justin Gatlin who is now the 2004 Olympic 100 m champion will have visualised e View the rest of this article

Do You Make These Mistakes With Affiliate Marketing?

Affiliate Marketing is a very lucrative business online, especially where it concerns Affiliate Internet Marketing.





Today I bring you some rare and everyday mistakes that are keeping you from making a killing with affiliate marketing.





The most common mistakes made by most online marketers :





1) You build a really flashy website and is wondering why your not making commissions.





Well, I do believe this one belongs in the number one position, because, it's the killer amongst new comers to the affiliate marketing game.





Don't believe that if you build it, they will come.


Your visitors have to know where your website is, and online as well as offline, you have View the rest of this article

The Death-Defying Warehouse Party Life: An Interview by 'William of Orange'

About an entire local music industry that’s rarely heard from, briefly navigated by a remote being that coalesces, rarely, around music scenes and their absurd atrocities; published by "The Stranger" weekly newspaper of Seattle, WA.
Sonny Chelf is the orneriest house party producer I know who hails from Tacoma. In fact, he’s the only such producer I know from Tacoma. Most of those kind of guys hang about the Seattle area, drifting back and forth in their musical skeins and ongoing search for monetary angles.
Jason Alley’s from Issaquah. They both operate forklifts in warehouses for their real livings. And I met them over coffee awhile ago at Starbucks on Broadway for a happy, peppy interview with two of the greater Seattle area’s own warehouse party producers View the rest of this article

Why Your Muscles Need Vitamins

The muscles of the human body depend heavily on the vitamins, minerals, and other nutrients we provide them for their health and performance. By being sure to consume the standard recommended daily intake levels of the nutrients our bodies need, we can help to keep our muscles strong and healthy, able to perform their important tasks.
Our muscles do far more than help us to look good and lift things. The heart is the most important muscle of the human body, as it runs the circulatory system. Our muscles help to keep our internal organs in place and to perform each and every movement we make, from chewing and swallowing to controlling our bladder to sitting, standing and walking. Healthy muscles are essential to our day-to-day lives. There are several vitamins and View the rest of this article

What To Say When The Media Calls

Nothing makes sales take off like media saying good things about you. Thousands, even millions, of people hear a media source they know and trust explain why your business is good.
You never know when media are going to call. The customer who just left delighted with your product may happen to live next door to a newspaper reporter looking for a story. When some people feel gratitude, they automatically think of sending a note or making a quick call to their favorite columnist or broadcast personality. These tips often result in stories.
When a reporter calls, take the opportunity to present your story in the best possible light. Speak slowly and clearly when you say something you would love to find in print. This signals to the reporter you are saying someth View the rest of this article

Biofertilizers to boost farm output

After the introduction of chemical fertilizers in the last century, farmers were happy of getting increased yield in agriculture in the beginning. But slowly chemical fertilizers started displaying their ill-effects such as leaching out, and polluting water basins, destroying micro-organisms and friend insects, making the crop more susceptible to the attack of diseases reducing the soil fertility and thus causing irreparable damage on the overall system.

The n number of intellectuals throughout the world started working on the alternatives and found that biofertilizers shall help in increasing the yield without making damages as narrated above.

What is biofertilizer?

The name itself is self explanatory. The fertilizers are used to impro View the rest of this article

Christmas Gifts For Dog Lovers

Let's admit it, the US and UK are both countries of dog lovers, and dog owners love to indulge their dogs like children. You only have to listen to a dog owner call out to their dog, playing in the park or field, to realise how devoted they can be. Being devoted, dog lovers, and their friends, like to give dog gifts. Dog lovers often refer to their dogs as "baby", or to themselves, when talking to the dog, as mummy or daddy. It's no surprise then that dog toys are a big market, and can make excellent dog lover gifts.
Choosing the right dog toys can be more difficult than you may think. The problem is, you probably "think" in a human way. Dog lovers, and those buying gifts for them, love to buy cute, squeaky toys for the dogs, or give them stuffed animals which th View the rest of this article

Applying Online For A Home Loan Can Give You An Instant Approval

?Instant Approval For Home Loans? is a common refrain for online mortgage lenders, but sometimes instant is longer than you think. During regular business hours with a typical application, you can expect the databases to approve your application almost immediately. However, any glitch in the system will require the intervention of a person, which adds a time delay.
The following lists the most common reasons for a delayed mortgage application. While you can prevent some of these delays, most are caused by the mortgage lender?s system. So just because your mortgage application is delayed, don?t assume it has been denied.
Complete The Application
Many applications are returned due to incomplete information. Start the application process by collecting View the rest of this article

Buying A Home With Poor Credit Is Easier Than Ever

Buying a home with poor credit is easier than ever with online mortgage brokers. You can easily find sub prime lenders, compare rates and terms, and complete the process on your schedule, not the banks.
Online Sub Prime Lenders
Sub prime lenders have moved online to offer their services nationwide. They finance mortgages for people with bad credit due to late payments, bankruptcy, or foreclosures.
Financial counselors recommend waiting at least two years to apply for a mortgage after declaring bankruptcy. But if you have a large down payment or cash reserves, then some sub prime lenders will accommodate your situation.
For other people with poor credit, a down payment is the quickest way to buy a house. A FICO score over 580 will require at lea View the rest of this article

Bad Credit Car Loans - Why They Are Easier To Get Than They Ever Have Been

Car loans are easier to get by using an online financing company, even if you have bad credit. You can compare financing rates for the purchase of a new or used car, apply in minutes, and receive a blank check within days.
Car Loans Online
Online technology allows easy shopping for car loans. Through connected databases, call centers, and streamlined processes, you can connect to lenders to find low rates regardless of where you live.
Sub prime lenders, who specialize in financing people with poor credit, now have to compete for your business. Even with a bankruptcy or foreclosure, you can find financing to purchase your vehicle.
Depending on your credit score, you may decide to work with a sub prime lender who partners with certain car dealers View the rest of this article

Credit Problems? With A Subprime Mortgage Lender, Poor Credit Is Not A Problem

Have you been turned down for a home loan recently because you have a bad credit history? You may want to consider applying for home financing with a subprime mortgage lender. A subprime mortgage lender is one who specializes in providing financing for people who are difficult for most mortgage companies to finances, it could be because of a low credit score, hard-to-prove income or a combination of those factors with no money to put down.
It can be much easier to get approved for a loan through a subprime lender than with other mortgage loan programs offered by banks and credit unions. The only downside to a subprime loan is that the fees can be higher at closing and the interest rate will be higher. It is smart to apply with a few subprime lenders to compare in View the rest of this article

Are You Over Watering Your Garden?

Take a look at your garden. You can see that it isn't doing as well as you'd hoped. The lower leaves on your flowers are turning yellow and falling off and you're loosing flowers. The plants actually look droopy and wilted even though you've been watering them faithfully. Well the truth is, you may be watering your garden too much.
Over watering your flowers and plants can be just as damaging to them as under watering. More plants die from being over watering than not being watered enough. If you notice the symptoms mentioned above, in your outside garden, or in your houseplants, you need to pay attention to how much you are watering. One simple way to see if you are over watering is to check the roots of your plant. Rotting roots are a certain indication of over View the rest of this article

Simple Steps To Keeping Your Home Clean

The easiest way to keep your home clean and organized is to keep your home clean and organized on a daily basis. There are many small and seemingly insignificant steps you can take each day towards keeping your home guest ready.
In the living room pick up all the newspapers, catalogs and magazines that have collected. You can do this on a daily basis. Keep a bin for paper recycling. Put what you plan to read in a magazine rack next to your chair.
Before bedtime have the kids pick up any miscellaneous objects they might have left downstairs and have them put their toys back in the toy box.
Once a week you'll want to vacuum and dust the living room.
In the kitchen you'll want to make sure that you keep your sink free of dirty dishes on a daily basis. Af View the rest of this article

Facing Your Daily Stresses And Anxieties In A Women’s World

Many women today have to deal with maintaining a family and also maintaining a career. This can produce a lot of anxiety and stress for the woman. As a result, here is a list of techniques that a woman can use to help manage their daily stresses and anxieties at their job and/or in the household.
Sometimes, we get stressed when everything happens all at once. As a women you may experience those times when you have to take care of your family and also do your job at the same time. When this happens, a person should take a deep breathe and try to find something to do for a few minutes to get their mind off of the problem. A person could take a walk, listen to some music, read the newspaper or do an activity that will give them a fresh perspective on things.
Whe View the rest of this article

The New Southwest Airlines Rapid Rewards Visa Signature Card

Airline credit cards have become the rage with people who are looking to combine purchase rewards with travel around the world. After experiencing an extreme slowdown after the tragedy of Sept 11, 2001, travel has rebounded to record levels. Now people are looking to cash in on free travel by using their credit card purchases to get them airline tickets.
Southwest Airlines, one of the most popular discount airlines, has teamed up with Chase to provide you with the Southwest Airlines Rapid Rewards Visa Signature Card. The card rewards your purchases with roundtrip airfare.
You get two reward dollars for ever dollar you spend on Southwest Airlines. You get one reward dollar for every dollar you spend on other purchases. Other airline credit cards generally requ View the rest of this article

Acne Treatments For Black Skin

Your Guide to Acne treatments for Black skin
Acne irritates and worries all kinds of people, especially the teens and young adults, all over the country. Acne actually does not choose a certain type of skin color to spread on. Thus, not only white American are prone to suffer this unbearable skin disorder. Black Americans are also at risk of having acne problems. And, this can be highly observable to many black skinned people, especially in the adolescence age. Thus, there is a need for acne treatments for black skin.
You should not however despair in anyway if you?re black skinned. There is always a cure to all your acne problems. There are actually so much acne treatments for black skin for you to choose from and fight that unwanted skin problem. In fact, t View the rest of this article

Have Fun With Baby Halloween Clothes

There are lots of great things about being a new parent. For example, the joy of bringing a new life into the world, the thrill of shaping a young mind, the pride with each new stage of your baby's life. Few things are more exciting, however, than the license to be a kid again. What better way to celebrate your newfound childhood with your baby than by dressing up with them for Halloween?
There are a few basic rules of babies and Halloween. First, it is probably best to attach yourself to a group of friends with children who are a little bit older, otherwise it is obvious that you are just out getting candy and playing dress up. This is not vital, however, since many candy givers will be too distracted by how darned cute your baby is to care if you're the one who View the rest of this article