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Moving Day can involve so many emotions - excitement, elation versus nerves, panic and sadness. Here are some tips to lower the stress levels on moving day.

1. Have your mobile phone charged up! There you are waiting for the call from your solicitor to tell the money has been transferred, you can pick up the keys and you then realise your mobile phone isn’t working. Or worse still, the money has not been transferred and there is a problem. Make sure that you can be contactable throughout the day.

2. Pack, pack, pack. Don’t leave it too late. Especially if you’ve lived in your house for a long time. As you sit down to pack you may be tempted to sort, sort, sort which might end up to reminising over the family photo album. Of course that’s all very nice, but with so much packing to do, it’s the wrong time. Alternatively have the packing all done for you.

3. Be ready for the removal men. The beds need to be dismantled if appropriate, the cushions need to be bagged up, not left on the sofa. Mirrors and pictures need to be protected. The removal men may add extra protection to some items, but not all. Again consider having the packing all done for you - it costs more but it’s easier and good for stress levels.

4. Keep your most precious items packed in your own bag and take them with you as hand luggage - they may get lost or broken in the packing and removal process. Though it is unlikely it is possible and why risk it?

5. Don’t pack the hoover and basic cleaning equipment. When the removal men have gone you may need to give the house a quick hoover and wipe over ready for the new occupants. Moving in to a dirty house is grim. Hopefully the occupants of your new house will have done the decent thing. Again, you could have this done for you as part of a packing and removal package.

6. Be sure you have everything you need to have your favourite refreshments handy: be it beer, tea,(mugs and milk too), biscuits ready (and a tea towel). You might just need a cuppa after the removal men have left and your home is an empty nest. And when you arrive at your new house you’ll know where the kettle is amongst the boxes.

7. At the end of the day, enjoy your favourite take away and a bottle of champers on top of the boxes in your new home. On second thoughts, splash out at your new local restaurant instead. You’ve made it.

To find your new home visit www.wheresmyproperty.com http://www.wheresmyproperty.com .

Susy Copus is a property commentator and has written for the UK Property Search Engine, www.wheresmyproperty.com http://www.wheresmyproperty.com , www.renovatealerts.com http://www.renovatealerts.com who specialise in finding property to renovate and www.propertymoneymaker.co.uk http://www.propertymoneymaker.co.uk .

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Angelina Jolie is a babe. Kate Beckinsale is a babe. Beyonce Knowles is definitely a babe. So are Kareena Kapoor, Yana Gupta and Amrita Arora. There are some gals/women/girls you see and the only way to describe them is, Whmm! Now that’s a babe . And again, there are women who no matter how hard they try, are always Wanna-babes! But who is a wannababe? Are you dating one?

Don’t be in the blind. Here’s how you spot a wannababe and completely avoid her!

When you’re at a party

The first signs of a Wannababe? She hangs in a gang and that gang giggles the loudest. While a babe will do her own thing, wannababes are the ones who find everything funny-they’ll laugh at the waiters, at the music that is playing, at the men who pass by and at other women. And no, there is no logic to the laughter.

When you are at work

These are the women who are always running to the loo… to powder their noses, answer their phone calls, bitch about other women, crib about the maids who run away. They also ask the stupidest questions in meetings. And these chicks will try everything from rolling their eyes, to trying to be cute when talking to the boss. Particularly if it’s a male boss.

Before you get into bed with her!

Oh boy, wannababes are really not the ones you’d consider something casual with. Usually having no idea about contraception, they’d be screaming, Marry me! before you know it. They obviously lack the maturity to be able to see a fling for what it is. Wannababes want to marry whoever they are dating, preferably after the first date itself! Stay away mate!

When it’s time for goodnight

Sorry dude, forget the goodnight kiss. And if you disregard, check for yourself. Wannababes have a thing about cheaper ones - you are more than likely to find her dad, her sister, mother peeping from behind some curtain somewhere. You also run the risk of ‘outraging her modesty’ with a simple kiss.

When you’re playing the field

The final indication you’re with a wannababe is that she’s forever comparing. Herself to others, you with others, her dress with someone else’s, the restaurant the other people went to… If a woman isn’t certain of herself, how proud will she be of you? Hot women can be smart too, dude. Do yourself a favour and go look for the real thing.

Michael Douglas is dating expert and he is the owner of www.love-lectures.com http://www.love-lectures.com where he offers healthy relationship tips and dating ideas to help you in building healthy and successful relationships.

AP - A dog at a southeast Kansas zoo has adopted three tiger cubs abandoned by their mother. Safari Zoological Park owner Tom Harvey said the tiger cubs were born Sunday, but the mother had problems with them.

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If you’ve have ever applied for a charge account, a personal loan, insurance, or a job, there’s a file on you. This file contains information on where you work and live, how you pay your bills, and whether you’ve been sued, arrested, or filed for bankruptcy.

The companies that gather and sell this information are called Consumer Reporting Agencies (CRAs). The most common type of a CRA is the credit bureau. The information CRAs sell is called a consumer credit report.

The errors that occur at the 3 major Credit Reporting Bureaus has reached staggering numbers. With over 75 percent of all credit reports containing some sort of error, the vast majority of consumers has been or will be affected by a problem with inaccurate credit history. At least 25 percent of credit reports contain errors so severe that it would cause a loan or mortgage application to be denied.

The Fair Credit Reporting Act, enforced by the Federal Trade Commission, is supposed to ensure accuracy and the privacy of the information used in consumer reports. Recent amendments to the Act expand your rights and place additional requirements on CRAs. Businesses that supply information about you to CRAs and those that use consumer reports also have new responsibilities under the law.

Here are some important questions and answers about your rights under Federal Law.

Q. How do I find the CRA that has my report?

A. Contact the CRAs listed in the Yellow Pages under credit or credit rating and reporting. Because more than one CRA may have a file on you, call each until you locate all the agencies maintaining your file. The three major national credit bureaus are:
· Equifax
P.O. Box 740241
Atlanta, GA 30374-0241
(800) 685-1111.

· Experian
P.O. Box 2104
Allen, TX 75013
(888) EXPERIAN (888-397-3742).

· Trans Union
P.O. Box 1000
Chester, PA 19022
(800) 916-8800.

This is really important. Anyone who takes action against you in response to a report supplied by a CRA — such as denying your application for credit, insurance, or employment — must give you the name, address, and telephone number of the CRA that provided the report.

Q. Do I have a right to know what’s in my report?

A. Yes you do but you MUST ask for it. The CRA must tell you everything in your report, including medical information, and in most cases, the sources of the information. The CRA also must give you a list of everyone who has requested your report within the past year — two years for employment related requests.

Q. Is there a charge for my report?

A. Sometimes. The good news is that there’s no charge if a company takes adverse action against you, such as denying your application for credit, insurance or employment, and you request your report within 60 days of receiving that notice of the action. The notice will give you the name, address, and phone number of the CRA. In addition, you’re entitled to one free report a year (1) you’re unemployed and plan to look for a job within 60 days, (2) you’re on welfare, or (3) your report is inaccurate because of fraud. Otherwise, a CRA may charge you up to $9 for a copy of your report. The amount varies by state.

Q. What can I do about inaccurate or incomplete information?

A. Under the new law, both the CRA and the information provider have responsibilities for correcting inaccurate or incomplete information in your report. To protect all your rights under this law, contact both the CRA and the information provider.

First, tell the CRA in writing what information you believe is inaccurate. CRAs must reinvestigate the items in question - usually within 30 days — unless they consider your dispute frivolous.

Now we get to the good part. If you have several items to dispute and submit them at the same time the CRA will almost always consider your dispute frivolous. Sorry, that’s just the way it is. Your best bet is to dispute one or two items at a time. Send your letter, wait two weeks, send the next letter and so on. Best idea is to find something wrong with what is being reported. Check the details. Are the dates correct, the amount correct, the payments correct? Do you even owe the debt? Was it paid off?

The CRA must forward all relevant data you provide about the dispute to the information provider. After the information provider receives notice of a dispute from the CRA, it must investigate, review all relevant information provided by the CRA, and report the results to the CRA. If the information provider finds the disputed information to be inaccurate, it must notify all nationwide CRAs so that they can correct this information in your file.

Now for the REAL story. The information provider will almost always responds saying they investigated and the debt is valid. That’s all it takes for the CRA to substantiate the debt and tell you to take a hike. Now think about it, you have a debt that is not yours and you go to the CRA to dispute it. They send a letter and to the no good company reporting you as a deadbeat and asked them to substantiate a non-existent debt. To add insult to injury that no good company tells the CRA it’s good debt and your SOL.

When the reinvestigation is complete and it’s favorable to you, the CRA must give you the written results and a free copy of your report. If an item is changed or removed, the CRA cannot put the disputed information back in your file unless the information provider verifies its accuracy and completeness, and the CRA gives you a written notice that includes the name, address, and phone number of the provider.

Second, tell the creditor or other information provider in writing that you dispute an item. Many providers specify an address for disputes. If the provider then reports the item to any CRA, it must include a notice of your dispute. In addition, if you are correct — that is, if the information is inaccurate — the information provider may not use it again.

Personally, after helping dozens of people clear negative, incorrect information from their credit reports I can tell in option 1 is a necessary step but for the most part a useless step. Going right to the creditor and documenting the attempt is by far the best way to remove the inaccurate information on your credit reports. After disputing the information to the creditor, documenting the attempt, and documenting the non response of the creditor you have irrefutable evidence to present to the credit bureau. According to the federal law they have no choice but to remove the incomplete or inaccurate information

Q. What can I do if the CRA or information provider won’t correct the information I dispute?

A. A reinvestigation may not resolve your dispute with the CRA. If that’s the case, ask the CRA to include your statement of the dispute in your file and in future reports. If you request, the CRA also will provide your statement to anyone who received a copy of the old report in the recent past. There usually is a fee for this service.

If you tell the information provider that you dispute an item, a notice of your dispute must be included anytime the information provider reports the item to a CRA.

Q. Can my employer get my report?

A. Only if you say it’s okay. A CRA may not supply information about you to your employer, or to a prospective employer, without your consent.

Q. Can creditors, employers, or insurers get a report that contains medical information about me?

A. Not without your approval.

Q. What should I know about investigative consumer reports ?

A. Investigative consumer reports are detailed reports that involve interviews with your neighbors or acquaintances about your lifestyle, character, and reputation. They may be used in connection with insurance and employment applications. You’ll be notified in writing when a company orders such a report. The notice will explain your right to request certain information about the report from the company you applied to. If your application is rejected, you may get additional information from the CRA. However, the CRA does not have to reveal the sources of the information.

Q. How long can a CRA report negative information?

A. Seven years from the day the debt went bad. But there are certain exceptions:

· Information about criminal convictions may be reported without any time limitation.
· Bankruptcy information may be reported for 10 years.
· Information reported in response to an application for a job with a salary of more than $75,000 has no time limit.
· Information reported because of an application for more than $150,000 worth of credit or life insurance has no time limit.
· Information about a lawsuit or an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer.

Q. Can anyone get a copy of my report?

A. No. Only people with a legitimate business need, as recognized by the FCRA. For example, a company is allowed to get your report if you apply for credit, insurance, employment, or to rent an apartment.

The truth is that just about anyone can get your credit report for just about any reason. How it works. I want information on you. I go to one of thousands of small businesses that have access to the CRA’s and say I do have a legitimate reason for wanting the information. I say you are applying for a job or you want to buy my car on time payments and I want to be sure your legit. That’s all it takes, I’ve got everything I need to know about you. Can kid yourself, this happens thousands of times every day across the nation. You can even do it on the Internet. There are thousand of companies that will get you information on anyone you want if you’re willing to pay a few bucks.

Q. How can I stop a CRA from including me on lists for unsolicited credit and insurance offers?

A. Creditors and insurers may use CRA file information as a basis for sending you unsolicited offers. These offers must include a toll-free number for you to call if you want to remove your name and address from lists for two years; completing a form that the CRA provides for this purpose will keep your name off the lists permanently.

And the rest of the story he is: Call those numbers and see how successful you’re getting removed. Those toll-free numbers are the reason I use high blood pressure medicine now. And by the way, I never did get removed.

Q. Do I have the right to sue for damages?

A. You may sue a CRA, a user or — in some cases — a provider of CRA data, in state or federal court for most violations of the FCRA. If you win, the defendant will have to pay damages and reimburse you for attorney fees to the extent ordered by the court.

Q. Are there other laws I should know about?

A. Yes. If your credit application was denied, the Equal Credit Opportunity Act requires creditors to specify why — if you ask. For example, the creditor must tell you whether you were denied because you have no credit file with a CRA or because the CRA says you have delinquent obligations. The ECOA also requires creditors to consider additional information you might supply about your credit history. You may want to find out why the creditor denied your application before you contact the CRA.

Tom Sheltraw is the content manager of several websites covering all aspects of making and saving money. He owns and operates 10-8.org helping you to “Make Extra Cash” because, Being Broke …. SUCKS. For a FREE money making report go to: 1500ways.10-8.org/tips.htm http://1500ways.10-8.org/tips.htm Click now for your FREE Report! Publishing guidelines: Please feel free to publish this article as long as it’s contents and resource box remain unchanged.

Reuters - Corporate bond defaults are on track to quadruple this year and company bankruptcies may soar to more than 100 in 2009, a senior Bain & Co consultant said on Thursday.

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Different people have different needs. Depending on who you are and your circumstances, the best credit card deal for you will vary. I will take you through the things you should be looking for, but for the best current deals I suggest you check Money Savings Expert regularly ( www.moneysavingexpert.com http://www.moneysavingexpert.com ).

Credit cards allow you to spend a certain amount of money at an interest rate that will be charged every month. The spending amount that is available to you can be seen differently. Some see it as an additional amount to spend, some see it as a ‘risk-free’ borrowing opportunity. Credit card spending is not a ‘free’ spending opportunity, as you will need to pay this money back. This money does not work like a loan, as the amount available to you is not all cash. However, it can be treated as a ‘loan’ and this concept will be explained later.

Other very important concepts that have to be understood before getting a credit card, is 0% offers. There are two kinds of 0% offers: on purchases and on balance transfers. The first one allows you to spend the money provided to you by the credit card without paying any interest for a certain amount of time. So, for example, if the credit card gives you a limit of £500 for three months, then you can spend £500 against this credit card and not be charged interest for the first three months since the credit card was opened. However, once this period of time expires, you will be charged the credit card interest rate. This interest differs depending on the credit card, so if you intend to pay this interest, then you ought to look for the lowest interest rate available. Paying interest can be avoided, unless you have already overspent too much and are using credit cards to pay off other credit card interest. In this case you should call some of the debt consolidation companies and try to get some your credit card debt written off. Another reason why you might be in the position of paying interest is because you forgot when your ‘0% free time’ ended. If this is the case, you will be informed about this with your first bank statement. Transfer your balance to a different bank or pay the debt off and avoid any further interest payments.

For those of you who don’t have interest payments, you can take advantage of the 0% purchasing and make some money. You need a good credit history record to make this work and you also need to be disciplined. The easiest method is to do all of your normal spending against the credit card, while putting the money that is coming in into an interest-earning savings account. For example, if your credit card company lets you borrow £2,000, and you have £1,000 coming in as a salary every month, then put the £1,000 into a savings account and do all of your purchasing with a credit card. There are a few things to watch out for: credit card companies will charge you for cash withdrawals; your cash limit is much lower then the full available credit; and choose a savings account from which you can withdraw easily. At the end of the 0% purchase period, you will need to return all the money that you have spent against your credit card. You should have that amount available in the savings account by then, plus interest. The interest gained is your earnings for this transaction. You can earn even more if you chose a credit card with a cashback deal. This deal will pay you interest on all of your purchases made with the card. However, you should remember, that this is a money-making technique, rather then a ’spend more’ opportunity. There is a more complicated trick of making money from credit cards, details of which are outlined by Money Saving Expert (2006).

If you are making money from the credit cards, there is no need for you to get card protection insurance, as you should have enough money to pay off the credit card debt at any time. At the end of the 0% purchasing period, you can also transfer the balance to a different card provider. This is known as 0% balance transfer, but you will be charged a fee for these transactions, usually around 2%. However, these fees vary, so you need to check the conditions. There are a few things to watch out for: the credit limit offered by your bank also includes your purchases. For example, if the new credit card offers you a £2,000 limit, with 0% balance transfer for 12 months and 0% on purchases for three months, and you have transferred £1,500 from your old credit card, you only have £500 to spend on this credit card. The second thing to watch out for is your credit score. Most lenders’ scoring systems aren’t sophisticated enough to detect that you’re playing this free-cash game. Yet multiple applications, especially at the same time, coupled with high outstanding debts, even at 0%, will diminish your ability to get competitive credit, so the most important thing is to spread card applications out (Money Savings Expert, 2006).

However, if you are in the position where you are already fighting the interest payments, as has been mentioned before, the best thing to do is to call debt consolidation experts. In any circumstances it is best to pay off the most expensive credit and store cards first (i.e the ones that charge the highest interest rates). Furthermore, avoid opening any new credit cards to pay off the debt. Instead transfer your high-interest debt to lower interest rate credit cards. For example, if your credit card interest rate is 16%, while your store card rate is 25% per month, transfer the store card balance over to the credit card.

Whatever your circumstances, when you do open a new credit card always look for the longest 0% balance transfer and 0% purchase period, lowest transfer fee and interest rate charged afterwards. The limit offered to you will not only depend on your salary and credit rating, but also on the company that you go with.

Finally, do not forget - don’t play the credit card game if you cannot control it or have a high debt already.

References

Money Savings Experts 2006 Card Trick [Available from]: www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1076883546,34894 http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1076883546,34894 (Accessed on: 10/11/06)

Money Savings Experts 2006 Card Card Shuffle [Available from]: www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1102335753,51771 http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1102335753,51771 (Accessed on: 10/11/06)

Money Savings Experts 2006 Credit Card Newbie MoneySavers Guide [Available from]: www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1103212597,43859 http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1103212597,43859 , (Accessed on: 10/11/06)

Copyright © 2006 Verena Veneeva

This article was written by Verena Veneeva professional writer working for www.coursework4you.co.uk http://www.coursework4you.co.uk

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AdWords is Google’s answer to helping people get their ads out and increasing their website sales with heavily targeted traffic. This article will give you a big head start over most.

This is a PPC ( Pay Per Click ) system. You only pay for advertising when an interested person sees your AdWords ad and clicks on it. The amount you pay per click is dependent on many factors.

Some of the factors that go toward deciding the price per click are:

1. The amount of competition bidding on that keyword.

2. The site value that Google may give your site.

3. The amount of clicks on your ad itself compared to the amount of exposures your ad receives (CTR),

Even though a keyword may start at a high price per click, its popularity will bring the price down. Popularity is the result of people using Google to search a term or phrase and choosing your ad. As your Click Thru Rate (CTR) rises you will see the price per click go down. I’ve had keywords start at over one dollar and fall to about five cents a click.

Some tips to lift your your CTR and thus lower your PPC (Price Per Click) are:

1. Use the keywords that you are bidding on heavily in your ad. This will make the keywords in your ad show in bold and stand out when someone does a search on Google using your keyword.

2. Encasing your keywords in [square brackets} or the use of talking marks will ensure your ad relates to what is being searched. Without the [square brackets} or talking marks around your keywords, your keywords will cover a larger unrelated area giving your ads more exposure but less clicks. This will force down your CTR (Click Thur Rate) and force your price per click up. Not a good thing.

3. The use of negative keywords. Negative keywords really bugged me because I read all about them and their use but didn’t know what they were, the articles never actually explained what or how to make them. Just that it was the thing to do.

Negative keywords: if you were looking for people searching for the keyword pink but don’t want people who are searching for light pink then you would ad the negative keyword -light to your list of AdWords keywords the same way as you add the keywords you are bidding on.

Did you notice the minus sign (-) next to the keyword above? Here it is again, -light. You put in as many negative words as you can think of to narrow down searchers to the ones you want.

4. With AdWords you can go locally or globally. You can limit your ad to only viewers in a particular city, state or country. If you live in New York City selling meat pies, then you may not want to sell them to china. Limiting your ad to a specific location, country and language will increase the likely-hood of great targeted traffic clicking your ad and bringing the average price of your clicks down.

With AdWords your aim is to get highly targeted cheap traffic to your website and to make sure you are profiting from the use of AdWords. To see if you are profiting you have to answer these questions:

A. How many clicks does it take to get one sale?

B. How much do I profit from one sale?

Divide A by B to see if you are in profit using AdWords or losing money! If you are in profit great, if you are losing money your keywords, negative keywords and your ad need more fine tuning or changing. You may even have to reconsider what you are trying to sell or your sales copy. A customer follow-up auto-responder will help improve copy sales. People don’t often buy the first time they see a website, but you are off to a much better start then most.

AdWords gives us the ability to give people what they are searching for and to profit from that service. Start slowly with a small daily budget and have fun.

The opposite side of the AdWords coin is AdSense. For more information see my AdSense article.

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AP - Despite shaking a large swath of Southern California, a magnitude-5.4 earthquake was not the “Big One” that scientists have long feared. Still, it rattled nerves, causing people to vow to step up their emergency preparations.

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The Acai (pronounced ah-SAH-ee) berry is the latest super antioxidant food sweeping the world. This small round fruit is produced by the Acai Palm which is native to Central and South America floodplains and swamps. The fruit is rich in anthocyanin / anthocyanidin phytonutrients which are members of the flavonoid class of antioxidants. The dark purple berry, which tastes something like a blend of berries and chocolate, supposedly contains 10 to 30 times the flavonoids contained in red wine. The pulp is also rich in B vitamins, minerals, protein, Vitamin E, caffeine, fiber and essential fatty acids (such as Omega-3, Omega-6 and Omega-9). This wonder food is purported to fight cancer, control cholesterol, increase energy, improve your sex life and help you lose weight. The University of Florida is studying its cancer fighting properties and Dr. Nicholas Perricone has recommended it as one of his “top 10 superfoods for age-defying beauty” on Oprah Winfrey’s talk show, and in an article in “Oprah” magazine and also in his book “The Perricone Promise”. This little berry has been touted as one of the most nutritious and healthy foods in the world.

The studies being conducted at the University of Florida have determined that the Brazilian berry destroys cultured leukemia cancer cells. This study was not intended to show whether acai berries could prevent leukemia in people as it was only a cell-culture model. This is not a unique effect as other fruits such as grapes, guavas and mangoes contained antioxidant products that also destroyed cultured cancer cells. A lot of claims are being made but research has just started on the acai berry. Another study is underway to investigate the effects of acai’s antioxidants on human subjects.

The acai berry is a small dark blue fruit, similar in size to a blueberry or small grape but with less pulp, that grows in clusters or panicles of approximately 800 berries on Acai palm trees. The tribes of the Amazon knew of the health properties of this fruit for centuries and traditionally pulped it to make wine. The berries contain a thin layer of edible pulp surrounding a large seed. These palms are extremely prevalent in the floodplain areas of the Amazon River and are easy to cultivate as a replacement tree in areas where the rain forest has been destroyed. The slender palms grow from 40 to 80 feet tall and have leaves up to 10 feet long. Each palm can produce more than 50 pounds of berries annually. The harvesting of this powerful antioxidant rich product has become a major industry in Brazil and employs up to 30,000 people on a daily basis to harvest and process the product. Unfortunately the fruit deteriorates rapidly after harvesting (active properties can disappear after 24 hours) and so it is restricted to being eaten in the growing region or being processed and shipped as juice or frozen pulp. This industry has become an economic and environmentally-friendly alternative to unsustainable harvesting of hearts of palm, logging and conversion of the rain forest to farming or ranching. During the last decade in Brazil, acai has become a major food fad and Brazilians consume the frozen pulp alone or in yogurt, ice cream, smoothies, drinks, fruit or as a cereal topping. The frozen pulp tastes like a blueberry sorbet or ice cream with a hint of chocolate.

Acai can be difficult to find outside of South America although the frozen pulp and juices are starting to be imported into the US and Canada. Your best chance of finding the product is in health food stores or the health food section of your supermarket. Make sure that the acai berry is wild harvested and quickly frozen to retain its maximum nutrient value. Also in the US, acai is being sold as an ingredient in a number of beverages, and as frozen fruit that can be added to home-made smoothies as well as in health food extracts and supplements.

Mark Ransome is a contributing editor and writer for the popular new website - Benefits of Antioxidants. Visitors to www.benefits-of-antioxidants.com http://www.benefits-of-antioxidants.com will have access to a new free diet and weight loss program - The Psychiatrist’s Weight Loss Program.

Reuters - The U.S. commander of space shuttleDiscovery believes life probably exists somewhere in outerspace, but there is a simple reason why aliens have not visitedearth — the journey is too tough.

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With ATM cash machines currently costing anywhere from $3,000 to $30,000, there is no doubt that buying one for your business is costly. If you arrange things right, however, buying an ATM can actually be a very sound investment.

Provided that you primarily manage the machine yourself, ongoing maintenance costs shouldn’t be too high. You’ll have to pay for the electricity to fun the machine, as well as around $40/month for a dedicated phone line, and $50 each time the machine is professionally re-loaded.

There may also be a monthly charge (usually $15 to $25 per month), which is required by some vendors but not others. It is important to take these fees into account when considering different machines and doing price comparison research.

Once you have paid all these little fees, however, it is possible to make money on your ATM by collecting a percentage of the surcharge. The average charge for an ATM transaction is $1.60, and as the owner of the machine, all or a portion of this money will go to you.

Depending on your contract with the ATM vendor, and how much of the maintenance work you do yourself, your share of the money can range from 35% to 100%. There is also the added benefit that customers will never find themselves short of cash when making a purchase at your store.

Therefore, installing an ATM machine not only helps your existing business, but can become a fully sustainable or even profitable business in itself.

Jeremy Maddock is a successful webmaster who manages a number of informative websites, including www.financeproducts.info/ http://www.financeproducts.info/

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Given the massive popularity of the NFL, it’s surprising that the sport is shrouded in so much betting misunderstanding and misconception.

Let’s try to separate betting myth from reality:

Myth #1: Betting lines are created to beat the public.

Reality: With the exception of the Super Bowl, the public plays almost no role in the linemaking process. The betting line is created and adjusted to meet the opinion of professional gamblers because it is they, not the casual fan, who bets serious money on the game.

Myth #2: Betting lines get balanced action.

Reality: While the goal is to construct a betting line that is of equal attraction to both favorite and underdog players, it rarely works out that way. More typically, a third of the games on the NFL schedule will have an insignificant amount of betting to cause much of a concern, another third will have active but balanced betting and the remaining third will have mostly one-way action. Traditionally, how the house fares on these lopsided games, called decisions, determines whether books win or lose.

Myth #3: Bookmakers have inside information that they use to establish trap games.

Reality: Nowadays, with nearly everyone having access to the Internet, it’s not so much the information as how well that data is interpreted. Bookmakers still may occasionally receive information regarding injuries or weather changes before players, but thanks to technology, that advantage often can be measured in seconds. Many years ago, if a bookmaker found out some significant nugget of data, he might try to lure the bettor to the wrong side. Those days are gone as inside information has all but ceased to exist and there is no such thing as a trap game.

Myth #4: Bettors have the edge early in the season because oddsmakers and bookmakers need more time to assess the teams.

Reality: More hours are spent analyzing the opening week of the NFL season than any other is. A detailed, in-depth assessment of NFL teams begins more than a month before the opening kickoff. While it’s true that teams often do not tip their hand during the preseason or against weak, non-divisional foes, players are in no better position to uncover this deception than are bookmakers. Historically, the first six weeks of the season have been very kind to bookmakers. That’s probably not just luck.

Myth #5: Professional gamblers pick their spots, betting just a couple of games a weekend.

Reality: Actually, sophisticated gamblers bet a lot of games. Think of it this way: If you’re a successful gambler, why risk serious money on just a few games where a freak play or an official’s call can make you a loser? The wider the net is tossed, the less of a factor luck becomes in the outcome.

Myth #6: Wiseguys bet more on games they really like.

Reality: More than any misconception, this myth probably best illustrates the difference between how professionals and amateurs think. A professional gambler believes that if a game is worth betting, it’s worth betting significantly. Professional bettors generally wager approximately the same amount on every game they play. The concept of a best bet is a media creation that is foreign to professional sports bettors. Professional gamblers believe all their bets are good ones; that’s why they make them.

Myth #7: Bettors can win by concentrating on a specific conference, division or region.

Reality: Not likely. It’s not enough to have one specific area of expertise because the NFL schedule demands that teams play half their games outside their own division. Knowing the strength of a team is worthless if you don’t also know the strength of the opponent.

Myth #8: Statistical wagering trends are important.

Reality: Technical analysis may be popular but it’s hardly meaningful. Professional bettors put little faith in the favorite/underdog, home/away pointspread analysis that so often is cited by gridiron handicappers. It’s just another method of backfitting dismissed as irrelevant by wiseguys.

Myth #9: It’s never wise to bet on rumors

Reality: Oh, yes it is. For example, if a professional bettor hears a rumor that Peyton Manning has the flu and is too ill to play quarterback for the Colts, he’ll quickly bet on Indianapolis’ opponent. If the rumor is correct, the gambler has stolen the line on a game that’s certain to change. If the rumor is false, then he’s played Indianapolis’ opponent at a fair price. Since most lines are accurate, the bettor takes little betting risk in chasing a rumor.

By Luken Karel for www.thegreek.com/ http://www.thegreek.com/ . The Greek Sportsbook & Casino is host to one of the top online sportsbooks offering betting: www.thegreek.com/ http://www.thegreek.com/ and all other major sports. Article reproductions must include a link pointing to www.thegreek.com/ http://www.thegreek.com/ .

AP - A roadside bomb critically wounded a military commander of the Fatah movement Tuesday, setting off gunbattles at a Palestinian refugee camp that has been torn by factional fighting, Lebanese and Palestinian security officials said.

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Uganda is a land of breathtaking contrast. Right from the border with Kenya in the east to that with the giant Democratic Republic of Congo (DRC) in the west, the landscape and vegetation can be described as a kaleidoscope of tantalizing beauty. Winston Churchill, one of the United Kingdom’s great historical figures, summed Uganda in four words: ‘The Pearl of Africa’.

Though it is often easy to look over the country’s shoulder to its not too glamorous past, one thing that Uganda’s hospitality industry has learnt from its troubled history is flexibility. Holidaying in Uganda can be a memorable affair for all categories of regional tourists, be they budget, economy or high spending tourists.

Deciding on a holiday destination

A first time traveler to Uganda is most certainly spoilt for choice, particularly if the tourist is from Kenya. Uganda can be accessed through air (Entebbe International Airport), road via Malaba or Busia border entry points or even through Lake Victoria although it’s mostly regular business people who prefer this route. Entry and exit formalities for East African nationals have been simplified. The decision on holidaying in Uganda is usually motivated by a number of factors prominent among them flexibility of budget, refreshing experience and the warmth of the people.

Uganda excels in all the listed factors. The hospitality industry has evolved rapidly over the last decade, catering for all classes of visitors while offering nothing short of value for money. The Uganda experience is truly refreshing, be it in bird-watching, nature walks or cultural tourism. The communities are welcoming, with both urban and rural folks radiating warmth, although just as in any society there are bound to be some green flies in the visitor’s ointment.

Special Interest Tourism

Uganda has a well-established special interest tourism structure that has attracted tourists from not only Western Europe but also Africa and Asia. The special interest tourism areas are nature walks, gorilla trekking, bird-watching, mountain biking, sport fishing and white water rafting.

Eco-tourism has come of age internationally, for guests who prefer nature ‘as it was’ without the distortions of social economic transformation. Uganda offers new nature trails in virtually all protected areas. Tourists can walk with guides to view at close range some of the many endangered species for which the country is famous. These include the mountain gorillas, chimpanzees, the red and white colobus and blue tailed monkeys. The country is filled with birds, butterflies and rare plants that one can sample during nature walks.

Bird-watching

The Uganda Wildlife Authority has put in place new bird sanctuaries at strategic sites, including Lake George and Edward. A new survey on Uganda wildlife indicates that there are at least 335 species of birds and more than 144 species of butterflies at Kabale Forest National Park. Among the rare birds are the red-winged francolin, red-chested fluiftail, white-napped pigeon, African pitta, joyful greenbul, grey-winged robin, Abyssinian ground thrush, grey-crested flycatcher and the masked and the black-capped apalises. The Budongo Forest is one of the places where a thriving community eco-tourism takes place.

Mountain biking

Several areas are a haven for mountain bikers. These include Rukungiri, and Kabale districts in the west, Mbale and Kapchorwa districts in the east, local mountain bike trails are mapped out to assist tourists, but they have to bring their own bikes.

Sport fishing and white water rafting

Uganda offers a great opportunity for sports anglers. The ferocious tiger fish is common in Lake Albert, in the west Nile region, while catfish and tilapia abound in the all waters of Uganda. However, the most popular fish is the Nile perch with a record catch of over 100 kilogrammes. The fish species is abundant in Lake Victoria and River Nile. Through efforts of tour and travel firms, white water rafting has become a popular sport, with more than 500 tourists participating every month.

Camp safari

It is prudent to choose a camp safari if you decide to visit some of Uganda’s exotic special interest tourism areas. This will enable you to fully enjoy the flora and fauna of the country. Uganda’s waters teem with fish while over 200 bird species thrive in national parks and protected areas. Uganda’s ‘Pearl of Africa’ tag is best appreciated by visiting some of the country’s tourist site.

Inns of Uganda

For the discerning tourist, a trip to Inns of Uganda would be ideal to discover the Pearl of Africa’s best-kept open secret. Inns of Uganda, with two camps - Nile Safari Camp and Jacana Safari Lodge - offer the ideal setting. The two camps are accessible by road but guests can fly to Pakuba where Inns of Uganda staff will be on hand to receive them. Visitors can view birds as the y move towards the Nile Safari Camp along the banks of river Nile in north-western Uganda. Nile Safari Camp boasts 12 rooms and a swimming pool with impressive, professionally done interior design. The elaborate and environment -friendly design ensures that a holiday package here adds value and quality to the lives of people who visit the camps.

At Jacana Safari Lodge, in the vast Queen Elizabeth National Park, guests can have a lifetime experience of low-impact water activity on boating trips in which they view birds, chimpanzees, monitor lizards and hippos. This camp shows the visitor the essence of visiting Uganda. The cuisine at the camps blends perfectly with the excellent and pleasant nature of the staff.

Jacana is built with materials derived from the immediate environment in line with Inns of Uganda’s ecotourism campaign. The lodge has 15 chalets, swimming pool, sauna, sundowner and dinner pontoon. The surroundings fit well with the structures adopted by the two camps. For instance, the lodge literally grows out of the forest with a tree house-like appearance. The scenery and congeniality of the camps’ staff together with Inns of Uganda’s ability to blend the natural environment with the design of the camps offer guests a memorable safari.

Robert Muhoho is a tour consultant in Kenya and has planned business and vacation safaris for over 10,000 tourists in the East African region. He is a tour operation- major and involved in National tourism policy development in Kenya.

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In the event where you need a replacement part for your Harley-Davidson motorcycle, you either find a brand new part or a used one to replace the defective part. Both can be done of course but let us focus our attention on the used Harley-Davidson part.

When we say used Harley-Davidson part, we mean part that has been installed and has served some time on other Harley-Davidson. Now, here’s the question: “Is it okay to use used Harley-Davidson parts?”

To lay the answers clearly, here are the pros and cons of buying used Harley-Davidson parts.

Pros

Cheap - It is always certain that when we buy anything that is used, the price is always cheaper than the brand new one. The case of used Harley-Davidson part is no different. They are a lot cheaper than buying brand new parts. And considering that new Harley-Davidson parts are expensive, used ones are best buys.

Warranty - No store that aims to maintain long business would sell defective parts without providing warranty. Since used Harley-Davidson parts can have malfunction or would not work at all, these store would tend to give their costumers the assurance that they would get their money’s worth through the said warranty.

Sites - There are numerous online and offline stores that offer used Harley-Davidson parts. All you have to do is to visit one of them and see what you are looking for.

Inventory - There are sites that offer thousands of available used Harley-Davidson part. All you have to do is to search for a particular part you need and you will certainly get at least one.

Availability of rare parts - If you will going to check on the different sites that offer used Harley-Davidson parts, you would notice that you can get some parts that are no longer manufactured. This means, if you have a 1956 Harley and are looking for a particular part of that same year and model, used Harley-Davidson part store is the best place to go.

Cons

Questionable quality - Since used parts have already run on other Harley-Davidson, deterioration on the part especially the moving parts have occurred. As a result, the quality of the parts can be questionable. But, this would not go for all. Most parts are still in great condition. As was said, no store that aims to maintain long business would sell defective parts without providing warranty. So, if you want to make sure that you can use the money you spend, ask for warranties.

This content is provided by Low Jeremy. It may be used only in its entirety with all links included. For more information on Harley-Davidson & other useful information, please visit harley-davidson.articlekeep.com http://harley-davidson.articlekeep.com .

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