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	<title>Incuspace.com &#124; where ideas grow! &#187; tips</title>
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	<description>Providing relevant information to the blogosphere</description>
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		<title>Medical Transcription, An Emerging Winner</title>
		<link>http://incuspace.com/2005/11/16/medical-transcription-an-emerging-winner/</link>
		<comments>http://incuspace.com/2005/11/16/medical-transcription-an-emerging-winner/#comments</comments>
		<pubDate>Wed, 16 Nov 2005 20:23:00 +0000</pubDate>
		<dc:creator>Incuspace Ideas</dc:creator>
				<category><![CDATA[health]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://incuspace.com/2005/11/08/medical-transcription-an-emerging-winner/</guid>
		<description><![CDATA[With the increased demand for standardized records, there will be rapid employment growth in offices of physicians or other health practitioners, especially in large group practices. Medical transcription is a career that should fit your lifestyle, and bring you prosperity, and fulfillment. There are distinct objectives to consider when trying to choose a career, including [...]]]></description>
			<content:encoded><![CDATA[<p>With the increased demand for standardized records, there will be rapid employment growth in offices of physicians or other health practitioners, especially in large group practices. Medical transcription is a career that should fit your lifestyle, and bring you prosperity, and fulfillment.</p>
<p><div style="display:block;float:right;padding:5px;">

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<p>There are distinct objectives to consider when trying to choose a career, including knowing yourself, knowing your options, knowing how you constitute decisions and addressing any barriers to your decision-making. Effective career decision-making requires an abundance of work and energy; this is necessary to establish some degree of satisfaction with your career choice. One such career that has emerged as fulfilling, provocative, well paying and in demand is medical transcription. The employment of medical transcriptionists is projected to grow faster than the average for all occupations through 2012. A growing and aging population will spur demand for medical transcription services.</p>
<p>Basically, a medical transcriptionist listens to dictated recordings made by a healthcare professional, and transcribes them into medical reports, correspondence, and other administrative info. While listening to the recordings, using pause techniques, sentences are keyed into a word processor, editing as necessary for grammar and clarity. Documents produced include discharge summaries, history and physical examination reports, operative reports, consultation reports, autopsy reports, diagnostic imaging studies, progress notes, and referral letters. These are returned to the health care provider for review, signature, or correction. These documents eventually become part of the patients&#8217; permanent files, in addition to required insurance documentation.</p>
<p>To understand and accurately transcribe dictated reports into a format that is clear and intelligible for the reader, medical transcriptionists must understand medical terminology, anatomy and physiology, diagnostic procedures, pharmacology, and treatment assessments. As a result, medical transcriptionists should have completed postsecondary training in medical transcription, offered by many vocational schools, community colleges, and distance-learning programs. Completion of a 2-year associate degree or 1-year certificate program, including coursework in anatomy, medical terminology, legal issues relating to healthcare documentation, and English grammar and punctuation, is highly recommended, but not always required.</p>
<p>Working conditions are generally comfortable settings, such as hospitals, physicians&#8217; offices, transcription service offices, clinics, laboratories, medical libraries, government medical facilities, or at home. Many medical transcriptionists work from home as employees for hospitals, and transcription services or as self-employed, independent contractors. The average salary for a medical transcriptionist is between $10.87 and $15.63. With experience, medical transcriptionists can advance to supervisory positions, home-based work, editing, consulting, or teaching.</p>
<p>With the increased demand for standardized records, there will be rapid employment growth in offices of physicians or other health practitioners, especially in large group practices. Medical transcription is a career that should fit your lifestyle, and bring you prosperity, and fulfillment.</p>
<p>ABOUT THE AUTHOR</p>
<div>Jay B Stockman is a contributing editor for <a href="http://theonline-medical-transcription-services.com/">Online Medical Transcription Services</a> Visit http://theonline-medical-transcription-services.com/ for more information.</div>
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		<title>The Rules of the Road</title>
		<link>http://incuspace.com/2005/11/16/the-rules-of-the-road/</link>
		<comments>http://incuspace.com/2005/11/16/the-rules-of-the-road/#comments</comments>
		<pubDate>Wed, 16 Nov 2005 05:21:00 +0000</pubDate>
		<dc:creator>Auto Buying Tips</dc:creator>
				<category><![CDATA[autos]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://incuspace.com/2005/11/16/the-rules-of-the-road/</guid>
		<description><![CDATA[With road rage being so common these days, we should all take a step back and review a few rules of the road. While not taught in most driver education classes or state driver&#8217;s manuals, these rules will help you be a better driver. The left lane is for passing. If you are going to [...]]]></description>
			<content:encoded><![CDATA[<p>With road rage being so common these days, we should all take a step back and review a few rules of the road. </p>
<p><div style="display:block;float:right;padding:5px;">

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<p>While not taught in most driver education classes or state driver&#8217;s manuals, these rules will help you be a better driver.
<ul>
<li>The left lane is for passing. If you are going to pass, do it quickly and safely. Some states have laws that prohibit &quot;driving&quot; in the left lane, leaving it open for passing only. </li>
<li>If someone is trying to merge onto the highway and you have room, get into the left lane. This can help avoid an accident or at the least make someone&#8217;s day a little brighter. </li>
<li>Be aware of large trucks and their driving styles. Tractor trailers, dump trucks, and other large vehicles can not stop as fast as you can. Keep that in mind the next time you squeeze in front of a truck at the stop light. Also, heavy trucks while on the highway will slow down while going up large hills but pick up speed on the downhill side. This can lead to a game of leap frog which will frustrate you and the truck driver. If possible get far enough ahead of the truck to avoid excessive passing! </li>
<li>Use your turn signals. I swear they were an option in some cars, considering most people do not use them. They are there as a signal to inform your fellow drivers where you plan to go. </li>
</ul>
<p>I guess this has been a list of my pet peeves, but I hope it will help you have a safer trip down the road. Remember, we all share the road and together we can make it safer. </p>
<p>Take care and safe driving, </p>
<p><b>About The Author</b></p>
<p>Kevin Schappell maintains <a href="http://www.autoeducation.com" target="new">http://www.autoeducation.com</a> where he gives advice on car maintenance, buying, selling, insurance, and financing.  A mechanical engineer and car guy, Kevin has decided to spend his online time helping others learn about automobiles. </p>
<p>Source: <a href="http://www.365articles.com">http://www.365articles.com</a></p>
]]></content:encoded>
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		<title>Steps to Buying a Used Car With Confidence</title>
		<link>http://incuspace.com/2005/11/15/steps-to-buying-a-used-car-with-confidence/</link>
		<comments>http://incuspace.com/2005/11/15/steps-to-buying-a-used-car-with-confidence/#comments</comments>
		<pubDate>Tue, 15 Nov 2005 15:00:00 +0000</pubDate>
		<dc:creator>Auto Buying Tips</dc:creator>
				<category><![CDATA[autos]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://incuspace.com/2005/11/15/steps-to-buying-a-used-car-with-confidence/</guid>
		<description><![CDATA[Industry statistics show that almost three times as many people buy used cars as buy new. To help consumers make informed decisions in the process, the experts at CarMax, America&#8217;s leading used car retailer, have put together a basic list of the things to check when buying a used car. 1. Check the vehicle&#8217;s safety [...]]]></description>
			<content:encoded><![CDATA[<p>Industry statistics show that almost three times as many people buy used cars as buy new.<br />
To help consumers make informed decisions in the process, the experts at CarMax, America&#8217;s leading used car retailer, have put together a basic list of the things to check when buying a used car. </p>
<p><!--adsense--></p>
<p>
<p>1. Check the vehicle&#8217;s safety features. </p>
<p>
<p>Consider a vehicle with air bags and anti-lock brakes. Not only will they make a car safer, but insurance companies sometimes give discounts on their rates for cars with these features. </p>
<p>
<p>2. Inspect the mileage. </p>
<p>
<p>Mileage is a good indicator of the vehicle&#8217;s age, and the average consumer will drive from 12,000 miles to 15,000 miles each year. A late model used car may be more cost-effective and come with many features you may not be able to afford in a new car. </p>
<p>
<p>3. Check the mechanical condition of the vehicle. </p>
<p>
<p>If you don&#8217;t feel comfortable doing it yourself, have a mechanic you trust check it for you. Fluids, lights, belts, power steering, the charging system, the air conditioner, the engine cooling system, the brakes and the suspension should all be carefully inspected for any defects and wear. And don&#8217;t forget to test drive the car. </p>
<p>
<p>4. Examine the tires. </p>
<p>
<p>Uneven tread wear can be a sign that the car may need an alignment, or that it has damage to its suspension. Make sure the spare tire is in working condition with no damage or excessive wear. </p>
<p>
<p>5. Watch for frame damage. </p>
<p>
<p>Seriously damaged cars may be repaired, re-titled and sold in some cases, masking a vehicle that may not be structurally sound. When looking at a used car, check for: </p>
<p>
<p>&#8211; rust around the fenders and bumpers, around lights, under doors and in wheel wells </p>
<p>
<p>&#8211; cracks, dents and mismatched body panels </p>
<p>
<p>Cars that have been previously damaged may be more likely to have mechanical problems, and do not withstand accidents as well as cars that are structurally sound. </p>
<p>
<p>6. Check for cosmetic problems. </p>
<p>
<p>Common signs of wear and tear in used cars include cigarette burns, dirty upholstery, smoke stains, and paint scratches and chips. </p>
<p>
<p>7. Carefully read and understand the terms of any warranty offered on the car. </p>
<p>
<p>Don&#8217;t hesitate to ask questions of your salesperson, and be wary of hidden conditions and exclusions that may be in the fine print. A reputable dealer will answer your questions completely and explain the details of the warranty. </p>
<p>
<p>8. Check the price. </p>
<p>
<p>The actual price of the car is only one of many factors that will determine your total price. Don&#8217;t forget to compare financing rates, warranty costs, trade-in values and processing fees. The different features on the vehicle can also make a price difference. For example, a car with an automatic transmission is usually going to be slightly higher in price than the same car with a manual transmission. Research the vehicle you are considering, and find out what comparable prices are for similar vehicles in your area. </p>
<p>
<p>9. Look for a reputable dealership. </p>
<p>
<p>Ask around, and talk to previous customers of the dealer to find out what their experiences were like. A good dealer is more likely to be fair and up-front in price, value and condition of its vehicles, and won&#8217;t pressure you to buy a vehicle you don&#8217;t want. Hassles should never be part of buying a used car. Be prepared, and know what you&#8217;re looking for.</p>
<p><p>
<p>
<p>
<p><b>About The Author</b><br />

<p>
<p>Courtesy ARA Content, <a href="http://www.ARAcontent.com" target=new>www.ARAcontent.com</a>; e-mail: <a href="mailto:info@ARAcontent.com">info@ARAcontent.com</a>
<p>EDITOR&#8217;S NOTE: CarMax, the Auto Superstore, first opened its doors in 1993 in Richmond, Va. Based on input from thousands of consumers, it was designed to provide a convenient, hassle-free way to buy high quality used cars at low, no-haggle prices. Today, CarMax has locations in more than 20 major cities across the country, with both used-car superstores and new-car franchises throughout the United States. CarMax is also online at carmax.com.</p>
<p>
<p>Source: <a href="http://www.365articles.com">http://www.365articles.com</a></p>
]]></content:encoded>
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		<title>Think Your Car is Safe from Thieves? Think Again</title>
		<link>http://incuspace.com/2005/11/14/think-your-car-is-safe-from-thieves-think-again/</link>
		<comments>http://incuspace.com/2005/11/14/think-your-car-is-safe-from-thieves-think-again/#comments</comments>
		<pubDate>Mon, 14 Nov 2005 15:00:00 +0000</pubDate>
		<dc:creator>Auto Buying Tips</dc:creator>
				<category><![CDATA[autos]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://incuspace.com/2005/11/14/think-your-car-is-safe-from-thieves-think-again/</guid>
		<description><![CDATA[Every time you park your car, you&#8217;re taking a risk. Just ask David J. of Stanford, Conn., whose 1998 high-performance Acura Integra Type R was stolen right under his nose just one month after he installed a top-of-the-line security system for $1,500. &#8220;They found it three weeks later, stripped clean,&#8221; he added. David&#8217;s experience is [...]]]></description>
			<content:encoded><![CDATA[<p>Every time you park your car, you&#8217;re taking a risk.  Just ask David J. of Stanford, Conn., whose 1998 high-performance Acura Integra Type R was stolen right under his nose just one month after he installed a top-of-the-line security system for $1,500.<br />
&#8220;They found it three weeks later, stripped clean,&#8221; he added. </p>
<p><!--adsense--></p>
<p>David&#8217;s experience is not unusual, says James Cooper, CEO of Ultimate Security Systems Corporation of Irvine, Calif. Despite manufacturers&#8217; claims to the contrary, most security systems are easy to overpower and hardly even slow down a professional thief, said Cooper, whose firm created and markets the PowerLock anti-theft system.
</p>
<p>Every 25 seconds The National Insurance Crime Bureau (www.nicb.org) reports that 1.1 million vehicles are stolen nationwide each year. That&#8217;s one vehicle every 25 seconds in what has become a $7.5 billion-a-year-industry, according to the Insurance Information Institute (www.iii.org), a trade organization. It&#8217;s an industry, moreover, dominated by organized auto-theft rings that steal cars to fill contract orders. And no wonder: A $20,000 stolen vehicle can be stripped and sold into $30,000 worth of parts, insurers say.
</p>
<p>Your car doesn&#8217;t have to be a high-performance vehicle like David J&#8217;s to be an attractive target for a thief with a list of parts, or with orders for a particular make and model of a car. Different models of the popular Toyota Camry and Honda Accord swept eight of the top 10 list of cars reported stolen in 2000, according to an annual study conducted by CCC Information Services Inc., a Chicago-based supplier of software and communications systems to auto insurers. Chevrolet and Ford pickups captured the other two slots.
</p>
<p>Brett Ploumen didn&#8217;t have a security system on his 1992 Chevrolet Astrovan. But he thought he was taking appropriate precautions by parking in well-lighted, high-traffic areas and locking his vehicle&#8217;s doors and windows.
</p>
<p>Ploumen found out differently when he went to dinner with friends at a busy neighborhood strip mall in Santa Ana, Calif. &#8220;When we returned, the Astrovan wasn&#8217;t there. There was broken glass on the ground and another vehicle in the parking place,&#8221; Ploumen recalled.
</p>
<p>&#8220;Three days later they found it, wrapped in a tarp on a side street,&#8221; he said. The entire front end of the car was gone &#8211; it had essentially been turned into a trailer, and a beat-up trailer at that. When he saw it, &#8220;I was sick to my stomach instantly,&#8221; Ploumen said.
</p>
<p>Some popular devices Cooper describes some of the most popular auto security devices, and the drawbacks that allow thieves to get around them:
</p>
<p>1. Bar or wheel locks: Steering wheel bars lock up the steering wheel; wheel locks prevent the theft of wheels and tires.  How to get around them: All it takes is a pair of bolt cutters or a hacksaw. &#8220;They saw through the steering wheel, slide off the bar lock and hot-wire the car. It takes anywhere from 15-30 seconds,&#8221; Cooper said.
</p>
<p>2. Audible alarms: Known in the industry as &#8220;nuisance alarms,&#8221; these alerts are intended to scare thieves away.
</p>
<p>How to get around them: Audible alarms are almost universally ignored. Additionally, a professional thief can cut a wire and silence the alarm in seconds.
</p>
<p>3. Pedal locks: This device locks the brakes.
</p>
<p>How to get around them: They can be bridged or cut in 15-60 seconds.
</p>
<p>4. Electronic immobilizing devices: These devices are designed to disconnect all power from the starter, preventing thieves from bypassing the ignition and hot-wiring the vehicle. They can be installed at the factory or purchased as an aftermarket item.
</p>
<p>How to get around them: Seasoned thieves dismantle these systems or wire around them in seconds, usually by cutting two wires. Additionally, thieves easily find override or valet switches used by owners to disarm the systems.
</p>
<p>5. Tracking systems: These devices transmit a radio signal to locate the car.
</p>
<p>How to get around them: Tracking devices can be removed at a chop shop before a theft is reported. Or the car can be stripped and dumped before the owner finds out it&#8217;s been stolen.
</p>
<p>6. Solenoid immobilizer systems: Although categorized as an immobilizer, this kind of system is based on a different principle than most electronic security systems. PowerLock is one example. It attaches permanently to the vehicle&#8217;s starter motor, where it effectively prevents hot-wiring. Once installed, such a system is impossible to remove, bypass or disable.
</p>
<p>How to get around them: It can&#8217;t be hot-wired, says Cooper. &#8220;A system like this is virtually impossible to circumvent,&#8221; he says. The only way to steal a car protected by such a system is to tow it away.
</p>
<p>Personal Security
</p>
<p>Cooper also warns consumers to be aware of the capacity of their security system. &#8220;A lot of so-called security systems consist of remote entry and flashing lights. A lot of people think of that as automobile security, and it really isn&#8217;t: It&#8217;s a convenience feature. Some manufacturers are beginning to recognize that, and label it as &#8220;personal security.&#8221;
</p>
<p>After his nightmare experience, Ploumen is an evangelist for adding a security system to your car. &#8220;Look into some kind of aftermarket security system,&#8221; he advises consumers. &#8220;Find something you feel comfortable with &#8211; and that&#8217;s proven.&#8221; </p>
<p>Ploumen has researched the security field thoroughly since his van was stolen. He briefly considered a brake lock, but decided it wasn&#8217;t practical. He chose Ultimate Security Systems&#8217; Powerlock after a friend told him about it.
</p>
<p>David J. also purchased a Powerlock system after replacing his Acura Integra Type R. &#8220;I came across it on the Internet. It was not expensive, so I thought, &#8216;Why not give it a try?&#8217;&#8221; He added three additional layers of security with brake and pedal locks, plus a tracking system.
</p>
<p>David became a would-be victim again a few months later. This time, though, his story has a happy ending. The thieves pried the door open with a &#8220;Slim Jim,&#8221; bent the clutch pedal sideways to circumvent the AutoLock, then broke the ignition switch in an attempt to hot wire the car. When PowerLock circumvented that effort, they tried rolling the car down a nearby hill to pop the clutch. That didn&#8217;t work, either, so they abandoned the car. The tracking system helped authorities recover the car a short time later.
</p>
<p>For more information, contact USSC, 17173 Gillette Avenue, Suite 5, Irvine, Calif. 92614; (800) 231-7131, or visit <a href="http://www.powerlock.com" target="new">www.powerlock.com</a>.
</p>
<p><b>About The Author</b>
</p>
<p>Courtesy ARA Content, <a href="http://www.ARAcontent.com" target="new">www.ARAcontent.com</a>
</p>
<p>Source: <a href="http://www.365articles.com">http://www.365articles.com</a></p>
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		<title>Retreads: The Highest and Best Use for a Worn Tire</title>
		<link>http://incuspace.com/2005/11/13/retreads-the-highest-and-best-use-for-a-worn-tire/</link>
		<comments>http://incuspace.com/2005/11/13/retreads-the-highest-and-best-use-for-a-worn-tire/#comments</comments>
		<pubDate>Sun, 13 Nov 2005 15:00:00 +0000</pubDate>
		<dc:creator>Auto Buying Tips</dc:creator>
				<category><![CDATA[autos]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://incuspace.com/2005/11/13/retreads-the-highest-and-best-use-for-a-worn-tire/</guid>
		<description><![CDATA[Although they may look round and black, retreaded tires are one of the greenest, environmentally friendly products a fleet can buy. Retreaded tires have one of the highest post-consumer contents of all recycled products, and are responsible for saving North Americans more than 400 million gallons of oil every year. Most people don&#8217;t know that [...]]]></description>
			<content:encoded><![CDATA[<p>Although they may look round and black, retreaded tires are one of the greenest, environmentally friendly products a fleet can buy. Retreaded tires have one of the highest post-consumer contents of all recycled products, and are responsible for saving North Americans more than 400 million gallons of oil every year. </p>
<p>
<p>Most people don&#8217;t know that tires contain a very large percentage of synthetic rubber, which is petroleum based. Every time a truck tire is retreaded there is a savings of approximately 15 gallons of oil. In addition, every tire that is retreaded is one less tire for our overcrowded landfills. </p>
<p><!--adsense--></p>
<p>
<p>&#8220;I don&#8217;t know of any other recycled product that saves as much money for the end user as a retreaded tire. When you add these savings into the natural resources that are saved and the positive impact this has on the environment, using retreads is a win, win solution for both the transportation industry and the environment,&#8221; said Martin Bozarth, executive director of the International Tire &#038; Rubber Association. </p>
<p>
<p>&#8220;Tire retreading makes an important contribution to the reduction in the number of tires requiring annual disposal by insuring that tires, especially medium truck tires, provide the fullest possible service life. Retreadable casings should always be directed to the retread market,&#8221; says John Serumgard of the Scrap Tire Management Council </p>
<p>
<p>For more information about the environmental and economic benefits of retreaded tires, visit www.retread.org, or contact the Tire Retread Information Bureau toll free at (888) 473-8732, or by e-mail: info@retread.org. </p>
<p>
<p>
<p>
<p><b>About The Author</b><br />

<p>
<p>Courtesy ARA Content, <a href="http://www.ARAcontent.com" target=new>www.ARAcontent.com</a>; e-mail: <a href="mailto:info@ARAcontent.com">info@ARAcontent.com</a>
<p>Source: <a href="http://www.365articles.com">http://www.365articles.com</a></p>
]]></content:encoded>
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		<title>Problem debt? understand your legal rights</title>
		<link>http://incuspace.com/2005/11/12/understanding-your-legal-rights/</link>
		<comments>http://incuspace.com/2005/11/12/understanding-your-legal-rights/#comments</comments>
		<pubDate>Sun, 13 Nov 2005 00:25:00 +0000</pubDate>
		<dc:creator>Life Insurance Investement</dc:creator>
				<category><![CDATA[finance]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://incuspace.com/2005/11/12/understanding-your-legal-rights/</guid>
		<description><![CDATA[Know you legal rights when it comes to dealing with debt collectors, and the credit reporting agencies. If they cross the line, you have the right to sue. Here are some rules. The Federal Fair Credit Reporting Act (FCRA) is designed to promote accuracy, fairness, and privacy of information in the files of every one [...]]]></description>
			<content:encoded><![CDATA[<p>Know you legal rights when it comes to dealing with debt collectors, and the credit reporting agencies. If they cross the line, you have the right to sue. Here are some rules.</p>
<p>The Federal Fair Credit Reporting Act (FCRA) is designed to promote accuracy, fairness, and privacy of information in the files of every one of the three major credit reporting agencies. Those files, better know as your credit report contain information on where you live, have lived, when you were born, how you pay your bills, and whether you have any judgments, collections, slow pays, liens, or if you&#8217;ve filed for bankruptcy.</p>
<p>Ideally, your credit report is an accurate, up-to-date reflection of your credit history. However, since we don&#8217;t live in an ideal world, there are many reasons that your credit report could contain errors that might prevent you from getting the credit you deserve.</p>
<p>In only seconds, creditors can use the information found in your credit report to decide whether you qualify for a loan or credit card, and landlords, employers, and insurers can base an offer for an apartment, job or a insurance policy on this information as well.</p>
<p>Credit cannot be denied based on your age (if you are at least 18 years of age), racial background, sex, marital status, religion, national origin, or the fact that your income is derived from a public assistance program. These rights are protected by the Equal Credit Opportunity Act. (ECOA)</p>
<p>Under federal law, you are also entitled to a free credit report if a company takes adverse action against you, like denying your application for credit, insurance, or employment, and you asked for your report within 60-days of receiving notice of the action. A recent amendment to the Federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months.</p>
<p>The FCRA promotes the accuracy and privacy of information found in the files of the credit bureaus. The Federal Trade Commission (FTC), our nation&#8217;s consumer protection agency, enforces the FCRA with respect to consumer reporting companies. The Fair Debt Collections Practices Act protects consumers from debt collectors. The FDCPA prohibits debt collectors from engaging in unfair, deceptive, or abusive practices while trying to collect a debt.</p>
<ul>
<li>Debt collectors may not contact you at your workplace knowing your employer disapproves.</li>
<li>Debt collectors may not lie, such as falsely implying you have committed a crime.</li>
<li>Debt collectors may not misrepresent the amount of your debt.</li>
<li>Debt collectors may not use a false name, or send you a document that looks like an official document from a courthouse, or governmental agency.</li>
<li>Debt collectors may not use threats, obscene or profane language, or repeated use of the telephone to annoy someone.</li>
</ul>
<p>Debt collectors MUST stop contacting you if you ask them to do so in writing. Email or call us directly at (206) 423-6733 for a sample letter to stop any collectors from harassing you at home or at your place of business. If you feel violated of your consumer rights &#8211; You have the right to SUE! Call the Federal Trade Commission for more information 877-FTC-HELP.</p>
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		<title>5 Top Tips To Boost Your Spirits</title>
		<link>http://incuspace.com/2005/11/12/5-top-tips-to-boost-your-spirits/</link>
		<comments>http://incuspace.com/2005/11/12/5-top-tips-to-boost-your-spirits/#comments</comments>
		<pubDate>Sat, 12 Nov 2005 14:23:00 +0000</pubDate>
		<dc:creator>Good Nurtition Health Info</dc:creator>
				<category><![CDATA[health]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://incuspace.com/2005/11/08/5-top-tips-to-boost-your-spirits/</guid>
		<description><![CDATA[If you&#8217;re feeling like everything is getting on top of you, or you&#8217;re finding it difficult to cope or function, or you&#8217;re feeling down in the dumps, then try these 5 easy-to-do tips to relieve tension and stress and boost your spirits: 1. Take a relaxing bath. Add music, candles and a glass of your [...]]]></description>
			<content:encoded><![CDATA[<p>If you&#8217;re feeling like everything is getting on top of you, or you&#8217;re finding it difficult to cope or function, or you&#8217;re feeling down in the dumps, then try these 5 easy-to-do tips to relieve tension and stress and boost your spirits:</p>
<p>1. Take a relaxing bath. Add music, candles and a glass of your favourite drink: beer, tea, hot chocolate, wine or even champagne. Close the door and forget about everything else for an hour or so. This helps to increase levels of calmness and the calmer we feel, the less likely we are to get stressed out or depressed.</p>
<p>2. Comedy night: get in your favourite nibbles: chips, tortillas, salsa, crackers, cheese, pizza, chocolate, cookies, ice cream etc. Crack open a bottle of wine or pour yourself a beer or two and spend a full evening watching your favourite funny films or comedians. Laughter raises our spirits and is a great antidote to the stresses and trials of modern living.</p>
<p>3. Get out of the firing line: Take off for some peace and quiet for a day or better still a weekend or a week. Take a journal, relax and gather your thoughts. When we&#8217;re under pressure or struggling to cope with a major situation or event in life, seeing solutions to our problems can be really difficult. Distance from problems can bring clarity and relieve tension. I love going to the coast when I feel like this and it always, without fail, helps me to calm down and find solutions. I don&#8217;t know why but there&#8217;s something really soothing about being near the ocean. Being near water, come to think of it.</p>
<p>4. Increase calmness and feel great by indulging in massage. Share a massage with your partner  create a relaxing atmosphere by softening the lights and have oils and towels to hand. Lavender oil is particularly relaxing. Or, treat yourself to a massage from a professional masseur or masseuse. For a really invigorating massage, visit a Turkish baths if you&#8217;re fortunate enough to have one nearby. Massage is very relaxing and increases intimacy between lovers. It&#8217;s one huge stress buster as well but be warned, it&#8217;s addictive! Not a bad thing to be addicted to though, and it will do you no end of good.</p>
<p>5. Spend a week without watching any television. Television can fill your mind with negativity, bombard you with image manipulation via commercials and give you a distorted view of reality by showing you everything that&#8217;s bad about the world. Famines, disasters, murders, violence, war  the list is endless  and news programmes and soap operas are full of such events. So give your mind a break from this assault on your senses. Abandon the television for a week and do something more rewarding instead: Read a book, listen to music, socialize, workout, go for a walk or try your hand at something new. If you need to hear the news, listen to a radio news bulletin once a day. But try and avoid them for one week, replace them with something more life enhancing and see how you feel.</p>
<p>The above ideas are very simple to implement but they are also very effective in helping to relieve stress and tension. Give them a try and watch your mood levels rise!Until next time.</p>
<p>ABOUT THE AUTHOR</p>
<div>Chris Green is the author of the new book Conquering Stress, a special program which will show you how to conquer stressful illnesses such as depression, anxiety, panic and worry permanently and without taking powerful drugs. For more information, please click here ==&gt; <a href="http://www.conqueringstress.com/">http://www.conqueringstress.com</a></div>
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		<title>Fall into a Great Routine for Car Maintenance</title>
		<link>http://incuspace.com/2005/11/12/fall-into-a-great-routine-for-car-maintenance/</link>
		<comments>http://incuspace.com/2005/11/12/fall-into-a-great-routine-for-car-maintenance/#comments</comments>
		<pubDate>Sat, 12 Nov 2005 14:12:00 +0000</pubDate>
		<dc:creator>Auto Buying Tips</dc:creator>
				<category><![CDATA[autos]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://incuspace.com/2005/11/12/fall-into-a-great-routine-for-car-maintenance/</guid>
		<description><![CDATA[Fall is already here and in a short time, winter will be upon us. As you gear up for the colder temperatures, now is a good time to take preventive measures to care for your vehicle. According to the International Car Wash Association (ICA), regular professional washing and waxing will help maintain your car&#8217;s appearance [...]]]></description>
			<content:encoded><![CDATA[<p>Fall is already here and in a short time, winter will be upon us. As you gear up for the colder temperatures, now is a good time to take preventive measures to care for your vehicle.
</p>
<p>According to the International Car Wash Association (ICA), regular professional washing and waxing will help maintain your car&#8217;s appearance as well as its value.
</p>
<p>&#8220;Most car owners understand the value of changing motor oil regularly to protect the engine,&#8221; explains Mark Thorsby, executive director of ICA. &#8220;But if they forget and instead choose to replace the engine, the car could still be as good as new. However, a car with oxidized paint and a rusted-out body can never be economically restored. The best prevention is regular washing and waxing at a professional car wash.&#8221; </p>
<p>With more than 22,000 professional car washes around the world offering a wide range of services to protect a car&#8217;s finish from detoriating rusting, there&#8217;s no excuse not to keep your vehicle in great shape. Car washes offer basic to extensive operations to suit all your car care needs. </p>
<p><!--adsense--></p>
<p>For starters, try an exterior tunnel wash to automatically provide protective waxes and undercarriage treatment. Also, consider detailing or custom polishing for more extensive protection. By applying and buffing a premium polish, you can restore the shine of your car. On the detail side, you can vacuum everything from the rugs in the trunk to the air conditioner vents.
</p>
<p>A Quick Fix
</p>
<p>If you are running short on time but need your car professionally cleaned, try a self-service car wash that provides a variety of effective, self-cleaning services to choose from. For best results, follow the step-by-step instructions posted in the self-serve bay that call for starting with a pre-soak to loosen road grime. Next comes the high-pressure soap wash. For gentle scrubbing, use the foaming brush next, followed by the fresh water rinse. Also, remember to take advantage of special tire and wheel cleaners. For maximum protection and shine, the wax application is a must. Finally, many self-serve washes offer a spot-free rinse. All the solutions are specially formulated to clean tough road dirt and protect you car&#8217;s shine.
</p>
<p>Protect Your Car from Winter&#8217;s Hazards
</p>
<p>To get a jumpstart on protecting your car from winter&#8217;s effects, remember that the most damaging thing you can do to your car during this time is nothing! Don&#8217;t worry about your car freezing &#8212; washing salt, slush and mud off your car in cold weather is vital.
</p>
<p>The best thing you can do this winter is to wash your vehicle frequently at a professional car wash, even every few days if the temperature rises and falls from freezing and you&#8217;ve been driving on salted roads. Washing also should include an undercarriage rinse (available at most professional car washes) to remove salt from hard-to-reach areas that are likely to rust, such as the bumpers and in the wheel wells.
</p>
<p>Now is the time to get your car in gear for the winter season with the preventive maintenance measure of having your car professionally washed &#8212; you and your wallet will be glad you did. To find the location of a car wash near you visit www.carwashes.com.
</p>
<p><b>About The Author</b></p>
<p>Courtesy ARA Content, <a href="http://www.ARAcontent.com" target="new">www.ARAcontent.com</a>; e-mail: <a href="mailto:info@ARAcontent.com">info@ARAcontent.com</a> </p>
<p>Source: <a href="http://www.365articles.com">http://www.365articles.com</a></p>
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		<title>Tire Retreads Save Money and Resources for Many Industries</title>
		<link>http://incuspace.com/2005/11/11/tire-retreads-save-money-and-resources-for-many-industries/</link>
		<comments>http://incuspace.com/2005/11/11/tire-retreads-save-money-and-resources-for-many-industries/#comments</comments>
		<pubDate>Fri, 11 Nov 2005 15:00:00 +0000</pubDate>
		<dc:creator>Auto Buying Tips</dc:creator>
				<category><![CDATA[autos]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://incuspace.com/2005/11/11/tire-retreads-save-money-and-resources-for-many-industries/</guid>
		<description><![CDATA[Retreaded truck tires represent a savings of more than $2 billion annually for truckers and trucking companies in North America. For most fleets, tires represent the third largest item in their operating budget, right after labor and fuel costs. The lowest possible cost-per-mile is achieved with a good tire management program that includes the use [...]]]></description>
			<content:encoded><![CDATA[<p>Retreaded truck tires represent a savings of more than $2 billion annually for truckers and trucking companies in North America. </p>
<p>
<p>For most fleets, tires represent the third largest item in their operating budget, right after labor and fuel costs. The lowest possible cost-per-mile is achieved with a good tire management program that includes the use of quality retreads. </p>
<p>
<p>Retreads are the replacement tire of choice for most truckers. Of the nearly 33.8 million replacement tires purchased by fleets in 2000, over 18.1 million were retreads and only about 15.6 million were new replacement tires. </p>
<p><!--adsense--></p>
<p>
<p>Retreads are not only cost effective, but they are also dependable, reliable and safe. Truckers with scheduled delivery times, small package delivery companies with guaranteed delivery times, commercial and military jets and most school bus operators use retreads. </p>
<p>
<p>Retreads are also environmentally friendly. Tires are made of petro-chemical products. It takes 22 gallons of oil to manufacture one new truck tire. Most of the oil is found in the casing, which is reused in the retreading process. As a result, only seven gallons of oil are used to produce a retread. </p>
<p>
<p>Retreaders, like trucking companies, have experienced considerable consolidation. Today, the most successful retreaders are those with the highest quality products, delivering the best possible return on the investment to the fleets. Because of the competitive nature of the retreading industry, truckers can expect to see continuous improvement in the quality, durability and reliability, as the major retread suppliers annually invest millions of dollars in research and development. </p>
<p>
<p>Imagine a world without retreads: </p>
<p>
<p>* Groceries would cost more, since virtually all grocery delivery trucks use retreads. </p>
<p>
<p>* Our dependence on oil would rise. Since tires contain a very high percentage of synthetic rubber, which is petroleum based, we would have to import huge additional amounts of oil. </p>
<p>
<p>* New tire prices would probably rise significantly. Retreads act as a brake on tire price increases. </p>
<p>
<p>* Airline tickets would cost more. Virtually all commercial airlines use retreads. Surprised? </p>
<p>
<p>* Scrap tire piles in landfills would skyrocket with about 30 million additional tires every year. Every time a tire is retreaded there is one less tire for our already overloaded landfills. </p>
<p>
<p>* Construction costs for roads, bridges, factories, housing, etc., would rise dramatically if the large tires used on earthmoving vehicles were not retreaded. </p>
<p>
<p>In fact, just about everything we buy would cost more since practically everything we eat, wear, use at home or at work is delivered on trucks using retreads. </p>
<p>
<p>For more information about the many economic and environmental benefits of retreaded tires, contact the Tire Retread Information Bureau toll free, at (888) 473-8732 or by e-mail at info@retread.org. </p>
<p>
<p>
<p>
<p><b>About The Author</b><br />

<p>
<p>Courtesy ARA Content, <a href="http://www.ARAcontent.com" target=new>www.ARAcontent.com</a>; e-mail: <a href="mailto:info@ARAcontent.com">info@ARAcontent.com</a>
<p>Source: <a href="http://www.365articles.com">http://www.365articles.com</a></p>
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		<title>Hard Economic Times, Expensive Gas &amp; Oil Prices &#8212; No Problem</title>
		<link>http://incuspace.com/2005/11/10/hard-economic-times-expensive-gas-oil-prices-no-problem/</link>
		<comments>http://incuspace.com/2005/11/10/hard-economic-times-expensive-gas-oil-prices-no-problem/#comments</comments>
		<pubDate>Thu, 10 Nov 2005 15:00:00 +0000</pubDate>
		<dc:creator>Auto Buying Tips</dc:creator>
				<category><![CDATA[autos]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://incuspace.com/2005/11/10/hard-economic-times-expensive-gas-oil-prices-no-problem/</guid>
		<description><![CDATA[People of all ages are zipping around towns and cities on scooters these days. Back in the early 1960&#8242;s, scooters were considered merely a toy for boys to get around their immediate neighborhoods before they had a license. Yet today, scooters have transcended the sexual divide and are now being used as a serious form [...]]]></description>
			<content:encoded><![CDATA[<p>People of all ages are zipping around towns and cities on scooters these days. Back in the early 1960&#8242;s, scooters were considered merely a toy for boys to get around their immediate neighborhoods before they had a license. Yet today, scooters have transcended the sexual divide and are now being used as a serious form of transportation. With reasonable pricing, members of all economic classes &#8212; from school children to ecologically minded commuters to Wall Street types who don&#8217;t have time to wave down a cab at rush hour &#8212; are new scooter converts.  There have even been reports of companies purchasing scooters for their workforce to cut down on the time it takes to walk between departments!</p>
<p>
<p>As some people are not content with using their own muscle for propulsion, a whole new motorized scooter breed has materialized.  One company has capitalized on this trend and has been selling an electric powered scooter called the Zappy in the U.S. and abroad.  Able to reach cruising speeds of 13 miles per hour for up to 20 miles &#8212; the scooter has reached a new level as a worthy contender among transportation choices.</p>
<p>
<p>But are they a fad?  Good question.  Considering recent research performed by Business Communications Co. reveals that the U.S. electric vehicle market will grow at a rate of 27 percent through 2005, when it is estimated to become a $7 billion dollar industry &#8212; it&#8217;s doubtful. ZapWorld, a Nasdaq publicly traded company (ticker ZAPP) and the maker of Zappy, has seen their sales of electric vehicles in 1999 reach $6.5 million and the company&#8217;s 2000 sales doubled, coming close to $13 million.</p>
<p><!--adsense--></p>
<p>
<p>ZAP, which stands for &#8220;Zero Air Pollution,&#8221; has created a complete line of electric and inline scooters, bicycles, motorcycles and electric-powered water propulsion products. Contributing to hot sales is the fact that towns in Colorado and California offer $250 rebates to buyers of electric powered vehicles, which makes the total cost of owning your own electric scooter quite reasonable.</p>
<p>
<p>The best thing about electric-powered products is that they provide personal transportation without the noise and pollution of gasoline-powered vehicles.  They are not going to completely replace cars, of course, but they are starting to change the way people get around in cities, in suburbs and rural areas.     </p>
<p>
<p>Scooters continue to sell briskly worldwide, not only for use by school children, but also for high school and college students, young adults, ecologically minded commuters and executives. Seniors, too, are a growing segment that wants an inexpensive, safe, ecologically friendly, fun way to go further faster. </p>
<p>
<p>For more information, or to order your EV today, visit <a href="http://www.ZapWorld.com" target=new>www.ZapWorld.com</a>.</p>
<p>
<p>
<p>
<p><b>About The Author</b><br />

<p>
<p>Courtesy ARA Content, <a href="http://www.ARAcontent.com" target=new>www.ARAcontent.com</a>; e-mail: <a href="mailto:info@ARAcontent.com">info@ARAcontent.com</a>
<p>Source: <a href="http://www.365articles.com">http://www.365articles.com</a></p>
]]></content:encoded>
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		<title>Simple tips to improve your gas mileage</title>
		<link>http://incuspace.com/2005/11/09/simple-tips-to-improve-your-gas-mileage/</link>
		<comments>http://incuspace.com/2005/11/09/simple-tips-to-improve-your-gas-mileage/#comments</comments>
		<pubDate>Thu, 10 Nov 2005 04:30:00 +0000</pubDate>
		<dc:creator>Auto Buying Tips</dc:creator>
				<category><![CDATA[autos]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://incuspace.com/2005/11/09/simple-tips-to-improve-your-gas-mileage/</guid>
		<description><![CDATA[With gas prices seemingly out of control it&#8217;s more important than ever to learn how to improve gas mileage in your vehicles. There are many simple steps you can take that are free or low cost that at first glance seem silly or even obvious but you would be surprised how many people fail to [...]]]></description>
			<content:encoded><![CDATA[<p>With gas prices seemingly out of control it&#8217;s more important than ever to learn how to improve gas mileage in your vehicles. There are many simple steps you can take that are free or low cost that at first glance seem silly or even obvious but you would be surprised how many people fail to do them or ignore the warning signs their car is giving them.</p>
<p>Here are some quick tips that you may have missed or forgotten about. Not any single tip will make that big of a difference in increasing your gas mileage but I am a firm believer that every little thing you can do really does add up to getting better gas mileage and helping the environment in the process.</p>
<p><!--adsense--></p>
<p>Simple Mileage Improvement Tips:</p>
<ul>
<li>Use a sunshade to keep your car cool and avoid the use of your air conditioner as much as possible.</li>
<li>Park your car in the shade when it&#8217;s sunny and warm to keep your car&#8217;s interior cooler.</li>
<li>Make sure that your parking brake is fully released before you start driving.</li>
<li>Avoid drive-thru lines at restaurants. Park your car and go inside and order your food as many times it&#8217;s a lot quicker anyway. I always laugh to myself as I&#8217;m eating while I watch people sitting in their cars still waiting for their food. Just think of how much gas is wasted in those lines!</li>
<li>Use a block heater in winter to pre-warm your car engine.</li>
<li>Don&#8217;t ride the brake. Not only will this save gas but will greatly extend the life of your brake pads.</li>
<li>Drive with a smooth, constant speed and avoid flooring it when the stoplight turns green.</li>
<li>Maintain the transmission fluid in your car at the proper level for efficient gear shifting.</li>
<li>If there is smoke is coming from your tailpipe make sure that you make an appointment with your mechanic.</li>
<li>Make sure that your cooling system thermostat in your car is working properly</li>
<li>Avoid air conditioning leaks by constant checkups with your mechanic. FYI &#8211; Pre-1994 vehicles use CFCs for cooling.</li>
<li>Immediately fix a slipping transmission.</li>
<li>When you rev up your vehicle&#8217;s engine it wastes gas. Avoid revving your engine before your turn it off as it really serves no purpose.</li>
<li>If you can&#8217;t find a place to buy cheap gas on one day wait if you can until a few days later since the price of gas is constantly changing. Where I live you can almost predict which days prices will rise or fall. Start watching prices in your area to see if you can pick up on any patterns.</li>
<li>Buy your gas at the wholesale clubs, like Costco. You can often save over 10 cents a gallon or more. If you don&#8217;t like the wholesale clubs get a gas credit card from a major oil company. You&#8217;ll get a 1% to 5% discount when you buy your gas at their stations.</li>
</ul>
<p>For more great gas saving tips and tricks please visit us at: <a href="http://www.gas-mileage-experts.com"> www.gas-mileage-experts.com </a>. We specialize in information about different types of <a href="http://www.gas-mileage-experts.com">fuel savers for cars</a>  that are sure to save you money!</p>
<p>Source: <a href="http://www.365articles.com">http://www.365articles.com</a></p>
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		<title>What Should You Expect To Pay For A Web Hosting Provider?</title>
		<link>http://incuspace.com/2005/11/09/what-should-you-expect-to-pay-for-a-web-hosting-provider/</link>
		<comments>http://incuspace.com/2005/11/09/what-should-you-expect-to-pay-for-a-web-hosting-provider/#comments</comments>
		<pubDate>Thu, 10 Nov 2005 04:00:00 +0000</pubDate>
		<dc:creator>SEO advice</dc:creator>
				<category><![CDATA[tips]]></category>
		<category><![CDATA[Web Development]]></category>
		<category><![CDATA[affordable_hosting]]></category>
		<category><![CDATA[host_isp]]></category>
		<category><![CDATA[internet_business]]></category>
		<category><![CDATA[web_host]]></category>
		<category><![CDATA[web_hosting_provider]]></category>

		<guid isPermaLink="false">http://incuspace.com/2005/11/09/what-should-you-expect-to-pay-for-a-web-hosting-provider/</guid>
		<description><![CDATA[The main idea is that a web site provider may help you a lot in your internet business but you should be aware of what you need and never pay more than that. The average few pages small affair Web site with one form to answer, for instance, may experience affordable hosting with multiple-mail aliases, [...]]]></description>
			<content:encoded><![CDATA[<p>The main idea is that a web site provider may help you a lot in your internet business but you should be aware of what you need and never pay more than that.</p>
<p>The average few pages small affair Web site with one form to answer, for instance, may experience affordable hosting with multiple-mail aliases, T3 connection and cgi-bin for about $20 monthly. In the case of the requirement for SSL Security you should be ready to pay approximately $60 monthly from your income.</p>
<p>The charges for setup count generally $50 although they can be more expensive if you need more than the usual. The price for all things needed for web hosting provider can vary from locality to locality. Famous companies and consecrated web sites are expected to pay more for these utilities.</p>
<p><!--adsense--></p>
<p>You may complain about the sum you have for web hosting provider. If you want to surpass this problem you have to think about the exact services that you need and compare prices and accessibility because the possibility of discovering a better offer for web hosting.Competition is something which characterizes the nowadays world and there is no such thing as best or worst offer.But remember that when you have to make comparisons between Web hosting prices and the local ISP&#8217;s hosting, you are to pay $20 each month for access.</p>
<p>An aspect to be mention is how much of a problem-solver is a Web Host ISP. Every Web Hosting provider should take this occurrences into account as they come to light.You should start with questions like: what is the speed of functioning for that site during peak hours? This type of information is very difficult to obtain unless you check the web hosting provider&#8217;s list of clients.</p>
<p>References are most wanted when talking about this issue which is similar to shopping.It is a sort of pact of confidence:good references lead to a good company and so on.</p>
<p>For great web hosting options, affordable domain registration, Hosting Providers just visit us at <a href="http://www.webhosting-faq.com">http://www.webhosting-faq.com</a></p>
<p>Source: <a href="http://www.365articles.com">http://www.365articles.com</a></p>
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		<title>Before You Look for Health Insurance</title>
		<link>http://incuspace.com/2005/11/09/before-you-look-for-health-insurance/</link>
		<comments>http://incuspace.com/2005/11/09/before-you-look-for-health-insurance/#comments</comments>
		<pubDate>Wed, 09 Nov 2005 18:00:00 +0000</pubDate>
		<dc:creator>Good Nurtition Health Info</dc:creator>
				<category><![CDATA[health]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://incuspace.com/2005/11/08/before-you-look-for-health-insurance/</guid>
		<description><![CDATA[What to do and what to think about before you start looking for health insurance. Critical items you need to consider to choose the best medical plan for you and your family. Shopping around for medical insurance can be a confusing business. You need to keep your wits about you and keep track of the [...]]]></description>
			<content:encoded><![CDATA[<p>What to do and what to think about before you start looking for health insurance. Critical items you need to consider to choose the best medical plan for you and your family.</p>
<p>Shopping around for medical insurance can be a confusing business. You need to keep your wits about you and keep track of the benefits and costs of each policy and each type of policy. Too often we tend to look at the price first and the rest of the policy becomes a blur of fine print. And we&#8217;re off to check the next policy.</p>
<p><!--adsense--></p>
<p>Slow down. There some important things you should do before you start chasing around to get a policy. Doing these few things will make the whole process simpler and clearer &#8211; and you&#8217;re much more likely to make a good decision.</p>
<p>You need to carefully consider your situation. Think about these questions and note your answers:</p>
<p>What&#8217;s the general state of your health? How old are you? Do you have any serious medical problems currently or in your medical history? Do you have any history of recurring or on-going medical needs? Do you use tobacco? How much? Do you drink? How much? Are you over- or under-weight for your height, body-type and age? Is your job hazardous? Do you participate in any activities or sports that could affect your health? Now this may be unpleasant but if there&#8217;s any chance an insurance company could discover a history of drug or alcohol abuse or sexual behavior that might put you in a high risk group, you may want to be direct and upfront about it &#8211; especially if it&#8217;s in the past. Having a claim denied later because you had failed to disclose medical information to the insurance company would be far more upsetting &#8211; and very expensive. The same goes for any significant medical condition. Insurance companies are in it to make a profit &#8211; at least most of them are. Paying large claims isn&#8217;t their favorite activity, so they often do investigate.</p>
<p>If you&#8217;re seeking a family policy you&#8217;ll need to make the same analysis for everyone and consider carefully what kind of coverage you want.</p>
<p>Do you need dental, orthodontic, pregnancy, mental health, and/or drug coverage? Do you need long-term care coverage, either inpatient or in a nursing facility? Assisted living coverage? What about traveler&#8217;s or international coverage? If there&#8217;s a possibility that you may require &#8211; or want &#8211; in-home care as opposed to a residential nursing or assisted living facility, be sure that coverage is included and be sure you understand exactly what you can expect to receive.</p>
<p>Think about deductibles and what you could afford pay to reduce your insurance costs. But be very careful here, because medical expenses tend to pile up quickly and reach nearly insane levels for complex treatments or inpatient stays. Many drugs in common use are ridiculously over-priced and depending on the specifics of your insurance you may not be able to use the least expensive sources.</p>
<p>If you will end up with multiple sources of coverage, be clear about how they fit together and what the rules are about overlapping or combined benefits.</p>
<p>Once you are clear on your current situation, your (and other family member&#8217;s) medical history, and your projected needs, you can begin looking in a organized way with a better sense of where you&#8217;re going and what will actually meet your needs. This may seem like a tedious process, but it will serve you well in finding appropriate and affordable health insurance and making sure your health care needs can be met by the medical insurance you choose.</p>
<p><!--adsense--></p>
<p>Take some time to work through these questions. Write down your answers. Make a chart with your desired coverages and any special conditions the policy must meet. As you look at health insurance policies, note the rules, exclusions, information about pre-existing conditions, any limitations, the dollar amounts covered and especially any deductibles.</p>
<p>Don&#8217;t try to do too much at once. If you hurry, it&#8217;ll become confusing and tiring. You may hate it (I know I do), but you really do need to read all that fine print and understand it. That&#8217;s not a task to rush through. You might as well face up to it, because it&#8217;s a lot better to do it BEFORE you need medical services than after you get a bill for the uncovered portion that sends you into shock.</p>
<p>So is it an impossible job to find health insurance that works for you? Not at all. There&#8217;s a world of resources on the internet to help you find the policy you need. Just be sure to do your homework first.</p>
<p>ABOUT THE AUTHOR</p>
<div>Richard is a writer, educator and consultant providing services to medical, scientific and business professionals. For more on choosing a health insurance policy or finding the best medical plan for you, visit <a href="http://www.aboutinsurance.info/">http://www.aboutinsurance.info/</a></div>
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		<title>How Does Your Website Make Me Feel?</title>
		<link>http://incuspace.com/2005/11/08/how-does-your-website-make-me-feel/</link>
		<comments>http://incuspace.com/2005/11/08/how-does-your-website-make-me-feel/#comments</comments>
		<pubDate>Wed, 09 Nov 2005 05:00:00 +0000</pubDate>
		<dc:creator>SEO advice</dc:creator>
				<category><![CDATA[tips]]></category>
		<category><![CDATA[Web Development]]></category>
		<category><![CDATA[seo]]></category>
		<category><![CDATA[web-content]]></category>
		<category><![CDATA[web-design]]></category>

		<guid isPermaLink="false">http://incuspace.com/2005/11/08/how-does-your-website-make-me-feel/</guid>
		<description><![CDATA[When people think about the Internet, they think about technology. When people hear that I am a Website strategy expert, they see me as a &#8220;techy type&#8221;. But for me, the most intriguing aspect of your online business isn&#8217;t about the technology. It&#8217;s about human connections, and how you can create these in a virtual [...]]]></description>
			<content:encoded><![CDATA[<p>When people think about the Internet, they think about technology. When people hear that I am a Website strategy expert, they see me as a &#8220;techy type&#8221;. But for me, the most intriguing aspect of your online business isn&#8217;t about the technology. It&#8217;s about human connections, and how you can create these in a virtual environment.</p>
<p>It&#8217;s commonly understood that &#8220;people buy emotionally, not intellectually.&#8221;  Even when people think they&#8217;re making a rational decision, powerful subconscious factors come into play.  To sell effectively, we&#8217;re told to anticipate our customers&#8217; needs, to demonstrate that we &#8220;feel their pain&#8221;, and to respond to clues in their body language and tone of voice.</p>
<p>In the &#8220;real world&#8221; we do this very well.  And we know that if we can have a direct, in-person conversation, there&#8217;s a pretty good chance that we&#8217;ll close the sale or keep a happy customer.</p>
<p><!--adsense--></p>
<p>For the online visitor, your Website is the next best thing to that in-person conversation with you, your colleagues or employees.  And since so many people are researching products and services on the Web, it&#8217;s critical that your site has maximum impact in persuading them to take the next step with you.</p>
<p>So how does your Website connect emotionally with your visitors?  Do they feel listened to, understood and appreciated by your Internet presence?  Are you instinctively meeting their real needs?  Do your existing customers feel supported and valued when interacting with you online?</p>
<p>Or are you failing to evoke the crucial emotional responses which can significantly enhance your response rates, sales and ongoing return on your Web investment?</p>
<p><strong>The Critical Emotions for Website Success</strong></p>
<p>I&#8217;ve been working with client Web strategies in a wide range of industries since 1995.  Based on this experience, I&#8217;ve identified some key emotions that you need to evoke in your online visitors to create and sustain a profitable relationship.</p>
<p>How well your Website does this can have a major effect on the visceral, instinctive reactions of your visitors, and their propensity to buy from or connect with you.</p>
<p>In total, I have twenty criteria for emotional connectedness that I suggest for any Website. That&#8217;s too many to discuss in this article, but let&#8217;s look at a few highlights:</p>
<p><strong>Do I Feel Recognized?</strong></p>
<p>When we first meet in a business setting, we&#8217;re introduced, or we introduce ourselves with some statement about what we do, and why we should connect with each other.</p>
<p>When we talk with customers or prospects, it&#8217;s important to show very quickly that we understand their issues and needs, and that we have ideas and solutions to address these.</p>
<p>The most important task for your home page is to accomplish this initial introduction.  You&#8217;ve heard the &#8220;ten-second&#8221; rule about how long a visitor will stay on a site that doesn&#8217;t engage them.</p>
<p>So, does your home page really tell me what you do?  Does it speak to me in specific terms that make very clear what services you provide, and what type of customers or clients you work with?  Does it use language that I&#8217;ll understand even if I don&#8217;t know the jargon of your industry or specialization?</p>
<p><strong>Sounds simple?</strong></p>
<p>There are astounding numbers of Websites that fail to provide basic information on the home page. If your goal is to get the customer to visit your store, does your home page clearly show your location, and how to get there?  Every time you force the visitor to make a decision, such as &#8220;Do I click on the Contact Us page to find their address?&#8221;, you open up the possibility that they&#8217;ll make the wrong choice (from your viewpoint), or worse still, they&#8217;ll just leave.</p>
<p>And is it clear to me whether you can &#8211; or would want to &#8211; help me?  Are you geared towards corporate bulk buyers, or small businesses, or both?  Do you operate nationally or only in your immediate location?  Will your visitors know what you mean by generic terms such as &#8220;business systems&#8221; or &#8220;total business solutions&#8221; or should you be more specific as to what you offer?</p>
<p><strong>Do I Feel Engaged?</strong></p>
<p>As we continue our &#8220;real-world&#8221; conversation, we start to find common points of interest, whether personal or professional.  We begin to feel that we can relate with each other, and this helps to build our business relationship.</p>
<p>So your Website has to make the visitor feel drawn in &#8211; that they want to know more about your business, your products and your services &#8211; but again, from the viewpoint of their needs and interests.  And you have to give the visitor a clear sense that you want to find those points of connection, and to learn more about them.</p>
<p>If the visitor doesn&#8217;t feel invited in, if they feel left to themselves to find their way around &#8211; if they&#8217;re overwhelmed, confused, or simply not interested in your site, they&#8217;ll leave.</p>
<p>Does your site present a bewildering array of manufacturers, products, or options without any guidance as to selecting from these?  Think about the conversation that you&#8217;d have with a customer in your store.  You&#8217;d find out what they were looking for, and then you&#8217;d ask a number of questions to help them find the right solution for their needs.</p>
<p><!--adsense--></p>
<p>So how can you mirror this process online?  You could offer a &#8220;Help Me&#8221; page that guides visitors through some Frequently Asked Questions or other choices and provides links to recommended products based on their answers.  You could incorporate an interactive chat facility with a customer service agent during office hours, or access to a searchable knowledge base.</p>
<p><strong>Do I Feel Convinced?</strong></p>
<p>If the visitor is seeing your business for the first time, they need to be comfortable that you are who you say you are, and that you can deliver what you promise.</p>
<p>One of the most important elements in establishing this part of the connection is to show the &#8220;faces&#8221; of your business.  Have you noticed how many Websites don&#8217;t name any of their owners, or the people that customers will interact with?  It&#8217;s much easier to have a conversation when I know who I&#8217;m talking to!</p>
<p>Customer testimonials and other third-party endorsements are critical elements in establishing trust &#8211; they say far more about you than your own marketing statements.  How many sites have we all seen that trumpet &#8220;nationally recognized&#8221; or &#8220;premier provider . . .&#8221;?  Prove it!</p>
<p>Include client quotes and success stories right across your site where they&#8217;re front and center as visitors are engaged in your content.  If you win an award, tell the visitor what that means for them in terms of how you were evaluated.</p>
<p><strong>Do I Feel Motivated?</strong></p>
<p>Towards the end of our &#8220;real-world&#8221; conversation, we&#8217;ll hopefully close a sale, or we&#8217;ll talk about some next steps, or we might say &#8220;Let&#8217;s stay in touch&#8221;.  To do that with our online visitor, we need to persuade them to buy something, or to tell us who they are, and give us permission to reconnect with them.</p>
<p>Too many Web pages tail off with no call to action or directions about where to go next.  If you don&#8217;t issue a clear invitation, you again leave it to the visitor to work out what to do &#8211; and you run a big risk of losing them.</p>
<p>So at every point on every page where the visitor might be thinking &#8220;Tell me more&#8221;, or &#8220;How do I get this?&#8221;, provide a clickable link to the next step, to your shopping cart, to your newsletter subscription page, or to whatever you want them to do.  Don&#8217;t wait until the end of the page &#8211; they may never get there!  Look for the emotional &#8220;tipping points&#8221; on every page where they&#8217;re ready to talk more with you and grab them in the moment!</p>
<p><strong>Diluting the Connection</strong></p>
<p>Of course, it&#8217;s all too easy to undo all the good feeling that we create by frustrating or annoying the visitor, or simply by giving them a dead end.</p>
<p>One of my favorite bugbears is the site search engine that allows me to enter my query, and then tells me &#8220;No results found.  Please try again with different search terms&#8221;.</p>
<p>How is that supposed to make me feel?  What was wrong with my keywords or my parameters if the search page allowed me to select them?  Am I being stupid?  Or do you really not want to help me?</p>
<p>Your visitor is clearly looking for something, and has taken a step towards connecting with you.  So how about a results page that lets them know that you can&#8217;t immediately answer their question, but offers a link to your contact form so that they can send a question, or some tips or suggestions on how to find more information.</p>
<p>The ultimate customer service feature is an opportunity to interact with a live assistant &#8211; if your site offers this utility, the search results page is a perfect place to maximize its visibility.</p>
<p><strong>So how &#8220;Emotionally Connected&#8221; is your Website?</strong></p>
<p>I hope that I&#8217;ve sparked your curiosity enough to take a fresh look at your Website. Think about specifically why visitors are coming to your site, what might be on their minds, and review your copy and navigation accordingly.  Think about new customers and existing ones, employees, media &#8211; everyone who might have a reason to visit.  Are you doing everything that you can to create an &#8220;emotionally connected&#8221; experience for everyone?</p>
<p>The right mix will gain you significantly higher time spent on your site, more calls from pre-qualified leads, more signed contracts, happier repeat customers, attention from new markets, offers of strategic alliances and collaborations, and insights into creating successful new products and services.</p>
<p>(c)  Philippa Gamse, 2005.  All rights reserved.</p>
<p>Philippa Gamse, CyberSpeaker, is a Web strategy consultant and professional speaker. How does your site rate against Philippa&#8217;s twenty &#8220;emotionally connected&#8221; criteria? Visit <a href="http://www.CyberSpeaker.com/">http://www.CyberSpeaker.com/</a> to find out. Philippa can be reached at (831) 465-0317 or <a href="mailto:pgamse@CyberSpeaker.com">mailto:pgamse@CyberSpeaker.com</a></p>
<p>Source: <a href="http://www.365articles.com">http://www.365articles.com</a></p>
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		<title>Your Biggest Investment &#8211; Exercise!</title>
		<link>http://incuspace.com/2005/11/07/your-biggest-investment-exercise/</link>
		<comments>http://incuspace.com/2005/11/07/your-biggest-investment-exercise/#comments</comments>
		<pubDate>Mon, 07 Nov 2005 20:02:00 +0000</pubDate>
		<dc:creator>Good Nurtition Health Info</dc:creator>
				<category><![CDATA[health]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://incuspace.com/2005/11/08/your-biggest-investment-exercise/</guid>
		<description><![CDATA[Don&#8217;t start a weight loss program without knowing how to properly exercise. The old saying goes , &#8220;if you don&#8217;t do it now it will catch up with you later&#8221;. Okay, I just made that up ) But truer words were never uttered than about our lack of exercise and a fitness program. It is [...]]]></description>
			<content:encoded><![CDATA[<p>Don&#8217;t start a weight loss program without knowing how to properly exercise. The old saying goes , &#8220;if you don&#8217;t do it now it will catch up with you later&#8221;. Okay, I just made that up <img src='http://incuspace.com/wp-includes/images/smilies/icon_surprised.gif' alt=':o' class='wp-smiley' /> ) But truer words were never uttered than about our lack of exercise and a fitness program. It is really a life or death situation.</p>
<p>What if a trusted friend were to tell you about an investment where you could not possibly go wrong&#8230;what would be your reaction?</p>
<p><!--adsense--></p>
<p>And what if there was a virtual mountain of credible information that supported the investment claims&#8230;wouldn&#8217;t you be inclined to take advantage of the opportunity and not miss out on the rewards? Although the answer to these questions seems apparent, when it comes to investing in our health and quality of life we often choose to ignore what obviously works. Take for example, exercise&#8230;</p>
<p>Physical fitness may be the ultimate investment opportunity. Think of it this way. If you are willing to make the commitment (investment), you will feel and look healthier, have an abundance of energy, be more self-confident, more productive and discover a more joyous and fulfilling life. These are rewards that money cannot buy and the substance of high quality living. And, the investment of exercise becomes even more attractive when you consider that there is absolutely no down-side risk. You have everything to gain and nothing to lose. How much better can it get? How many times can you remember ever having a better offer? The honest answer is probably never, and yet many of us fail to act on this extraordinary opportunity. We simply choose to procrastinate or ignore the proven benefits of exercise!Here are a few reasons that sometimes inhibit our willingness to &#8220;step out&#8221; and make a change or take a chance:</p>
<p>- Sometimes our vision gets clouded. We lose tract of what is really important. Forget about the less important activities that tend to clutter our daily routine and focus on exactly what needs to be accomplished to reach your goal.</p>
<p>- Looking at the &#8220;big&#8221; picture can seem overwhelming. And the bigger the task, the more overwhelming it can seem. Break the task apart into smaller pieces. If you want to lose 50 pounds try losing 10 pounds and repeat the process five times! Need to start an exercise program? Begin with short, simple exercises and then slowly expand your routine. Don&#8217;t exercise too hDon&#8217;t start a weight loss program without knowing how to properly exercise.ard when first starting-out or you will become stiff, tired, disillusioned and soon quit.</p>
<p>- Have you ever not wanted to start something for fear of failure? Take the first step, acknowledge the fear and the next step will come easier. Once fears are acknowledged, they usually quiet down.</p>
<p>- Sometimes we start to think that a task is unpleasant or boring. Just like any other activity, this can also be true for exercise. There are days when we just plain lack the enthusiasm and motivation to continue. It&#8217;s part of human nature. On days like these focus on &#8216;why&#8217; you are doing it. Think about all the people you care about and who may need and rely on you. What would happen if you became ill or disabled and was unable to work for a period of time, or worse, if you were out of the picture completely. How would things change? If something happened tomorrow, how would your family or business manage without you? What do you want your life to be like in the future? There are many tasks or chores we do, that we may not like, but are necessary to live a happen and productive life. Focus on the bigger picture.</p>
<p>- Indecision can be defeating, but doing &#8220;anything&#8221; is better than doing nothing. There are no wrong choices and very few choices that can&#8217;t be undone or done again. Can&#8217;t decide on a particular exercise program or routine? Pick a few exercises and start with something simple. If you don&#8217;t like it, go on to the next exercise.</p>
<p>- When you lack the confidence to start something new, take a deep breath and try to figure out why. Are you hesitating because you really lack the skill or is it just imagined? If it&#8217;s real, try to find out where to gain the skills you need or find someone with the right skills who can help. In the case of exercise, finding a qualified personal fitness trainer can sometimes do the trick, but be wary&#8230;some PFT&#8217;s are overzealous and tend to start newcomers on programs that are too strenuous.</p>
<p>- Life just seems too busy to find time for some activities. Large, uninterrupted chunks of time are very hard to come by. And if we&#8217;re honest, when they do come, we&#8217;d rather do something totally pleasurable! Exercise has to become part of your routine. It can&#8217;t be an option. Make it a high priority just the same as your career, and other areas of interest. You will be surprised at how easy exercise becomes when approached this way!- Have you ever subconsciously (or otherwise) invited distractions so that you have a &#8220;good&#8221; reason not to get something done? Sometimes it&#8217;s the simple things like answering the phone or sitting down to watch that &#8220;one&#8221; TV program, that distract us. When you find yourself doing this, take control of the situation and make a conscious decision to do what you are avoiding.</p>
<p><!--adsense--></p>
<p>To reap the benefits of exercise, or any other health related endeavor, you must agree to become a willing participant. This will require due diligence on your part. And remember, as you embark on your mission you are investing in something near and dear to your own heart&#8230;your life and a future of healthy living.</p>
<p>ABOUT THE AUTHOR</p>
<div>Integrated Total Body Workout with Detailed Animation. Essential Exercise and Nutrition Information BEFORE you start a weight loss program.<a href="http://www.4maximumhealth.com/">http://www.4maximumhealth.com</a></div>
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		<title>Stress, Anxiety and Depression &#8211; What is the difference?</title>
		<link>http://incuspace.com/2005/11/07/stress-anxiety-and-depression-what-is-the-difference/</link>
		<comments>http://incuspace.com/2005/11/07/stress-anxiety-and-depression-what-is-the-difference/#comments</comments>
		<pubDate>Mon, 07 Nov 2005 19:59:59 +0000</pubDate>
		<dc:creator>Good Nurtition Health Info</dc:creator>
				<category><![CDATA[health]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://incuspace.com/2005/11/08/stress-anxiety-and-depression-what-is-the-difference/</guid>
		<description><![CDATA[This article gives a brief overview of the conditions of stress, anxiety and depression. This enables the reader to appreciate the differences in these conditions which are often confused. Looking after your feelings and emotions is as important as taking care of your body. Most of us take care of our physical health far better [...]]]></description>
			<content:encoded><![CDATA[<p>This article gives a brief overview of the conditions of stress, anxiety and depression. This enables the reader to appreciate the differences in these conditions which are often confused.</p>
<p>Looking after your feelings and emotions is as important as taking care of your body. Most of us take care of our physical health far better than our feelings. Stress is a normal reaction to what is happening in your life, and it can be caused by good, as well as bad events. A little bit of stress isn&#8217;t always a bad thing; but being over-stressed may cause a range of health problems including headaches, upset stomach, high blood pressure &#8211; even strokes and heart disease.</p>
<p><!--adsense--></p>
<p>The changes that commonly follow a traumatic event can affect your emotional well being and your ability to cope. If stress is disrupting your life in a bad way, it may be time to learn new coping skills or to get extra help.</p>
<p>Anxiety is a normal feeling that everyone experiences in day-to-day life. I can develop more strongly when faced with something uncertain, difficult, embarrassing or stressful. Anxiety feelings can range from being mild or moderate to severe, and can bring on extreme physical symptoms.</p>
<p>If your feelings of anxiety are causing disruption in your daily life, you may have a more severe form of anxiety called an anxiety disorder. If this is the case, you need to seek professional help.</p>
<p>Depression is a common illness like diabetes or arthritis. Many people suffer from depression at some stage of their life and it can occur at any age.</p>
<p>A lot of people use the word depression&#8217; to describe feelings of sadness and loss. These feelings often pass within a few hours or a few days. During this time, people are able to carry on much as usual. However, if you feel sad much more intensely and for longer and your feelings start to interfere with your work, social life and family life, you may need to seek professional advice.</p>
<p>There are a number of symptoms of depression and it&#8217;s very rare for all symptoms to occur in one person all at once. You might feel it come on slowly, from sometimes feeling blue to deeper feelings more often. It is hard to accept that symptoms like sleeping badly or feeling worthless are depression. After all, don&#8217;t we all feel that way sometimes? That&#8217;s the key  sometimes. It&#8217;s not normal to feel that way for a long time.</p>
<p>There are a variety of treatments for stress, anxiety and depression available to assist you in getting through the physical and emotional issues.</p>
<p>To live your life as you want, and be able to give to your family, friends and work  it&#8217;s important to look after yourself. Don&#8217;t be frightened to ask for help if you need it. We all need someone to talk to at some stage of our life.</p>
<p>ABOUT THE AUTHOR</p>
<div>Anne Wolski has worked within the health and welfare industry for more than 30 years. Go to <a href="http://www.magnetic-health-online.com/">http://www.magnetic-health-online.com</a> to see many wonderful health articles, many of them written by doctors and others who have been involved in the health industry for many years.</div>
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		<title>Borrowing on a Credit Card</title>
		<link>http://incuspace.com/2005/11/06/borrowing-on-a-credit-card/</link>
		<comments>http://incuspace.com/2005/11/06/borrowing-on-a-credit-card/#comments</comments>
		<pubDate>Sun, 06 Nov 2005 15:00:00 +0000</pubDate>
		<dc:creator>Debt Cosolidation</dc:creator>
				<category><![CDATA[finance]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://incuspace.com/2005/11/06/borrowing-on-a-credit-card/</guid>
		<description><![CDATA[One of the easiest ways to borrow money of a financial institute is to use a Credit Card, available from all banks, building societies, and other financial organisations. The choices available are enormous, with a wide variety of interest charges, annual charges, loyalty schemes, and bonus points available. However there are two broad areas that [...]]]></description>
			<content:encoded><![CDATA[<p>One of the easiest ways to borrow money of a financial institute is to use a Credit Card, available from all banks, building societies, and other financial organisations. The choices available are enormous, with a wide variety of interest charges, annual charges, loyalty schemes, and bonus points available. However there are two broad areas that you should look at:</p>
<p>
<p>Annual Interest Rate</p>
<p>
<p>Firstly if you do not intend to pay off your Credit Card bill at the end of each month, then you should look at the Annual Interest Rate (APR), this rate is typically between 13-17% at the moment, and you should be looking for a card that offers as low an interest rate as possible. You should also bear in mind that you are charged much higher rates of interest than other forms of borrowing money, so if you do not intend to pay of your bills for a long period of time, then you should seriously consider a different form of loan that is less expensive.</p>
<p><!--adsense--></p>
<p>
<p>Extra Benefits</p>
<p>
<p>On the other hand if you do intend to pay off you credit card bill at the end of each month, then you should be more interested in the loyalty schemes that are on offer. These vary from being awarded points every time you purchase something (these points can than me used to purchased gifts or air miles etc), to simply being given Cashback&#8217; on everything you buy (typically 0.5%-1% of your purchase). You should also look at the level of service that your card company offers. They are obliged under law to offer certain protection to the consumer, but often they will increase this protection with other guarantees. Some offer extended warranties on electrical goods, extra travel insurance when you are on holiday, accidental damage insurance for any goods you buy, and even free commission on cash withdrawals when abroad.</p>
<p>
<p>Also some companies charge an annual fee for using their card (especially business credit card accounts), so these fees should be weighed up against the cards benefits.</p>
<p>
<p>Even if you usually do pay off your credit card bills at the end of each month, when you open a account you may be offered 6 months interest free credit. This is often an excellent way of saving money as you are basically given an interest free loan for 6 months. It is even more useful if you are allowed to transfer some credit card debt from a different company into the interest free offer. However there is a danger of becoming trapped in a bad debit cycle here, transferring your debt from card to card until it is completely unmanageable. The best advice is to make sure you always have enough money in the bank, or in a savings account, to pay off your debt when you are taking advantage of the interest free credit period. That way you benefit from earning interest on your savings in your bank, but as soon as the interest free credit period has expired, you can pay the entire bill off without being stung for high interest charges.</p>
<p>
<p>So to summarize</p>
<p>
<p>If you are not paying off your monthly credit card bills, look for a card that offers a low interest rate </p>
<p>
<p>If you are paying off your monthly credit card bills, looking for additional card benefits </p>
<p>
<p>Interest free credit periods are good news for saving money, but beware of being caught in a debt spiral </p>
<p>
<p>Credit Cards are an expensive way of obtaining a loan or borrowing money, and you should investigate other cheaper forms if you intend to borrow money in the medium to long term</p>
<p>
<p>
<p>
<p><b>About The Author</b><br />

<p>
<p>Alastair Taylor runs a DIY website that tries to give the consumer the truth about how to save money on Financial matters as well as home improvement. Visit <a href="http://www.whatprice.co.uk" target=new>http://www.whatprice.co.uk</a> to saves yourself time and money. </p>
<p>
<p>Permission is given to reproduce this article as long as the above Bio is included with the hyperlink.</p>
<p>
<p><p>Source: <a href="http://www.365articles.com">http://www.365articles.com</a></p>
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		<title>Gasoline prices skyrocket , unless you live in Iraq</title>
		<link>http://incuspace.com/2005/11/04/gasoline-prices-skyrocket-unless-you-live-in-iraq/</link>
		<comments>http://incuspace.com/2005/11/04/gasoline-prices-skyrocket-unless-you-live-in-iraq/#comments</comments>
		<pubDate>Fri, 04 Nov 2005 15:00:00 +0000</pubDate>
		<dc:creator>Auto Buying Tips</dc:creator>
				<category><![CDATA[autos]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://incuspace.com/2005/11/04/gasoline-prices-skyrocket-unless-you-live-in-iraq/</guid>
		<description><![CDATA[OH MAN! Here we go again. I guess now the &#8220;proof is in the pudding&#8221; and it is time for us to face reality. Gas prices are not going back down and is now said to be going up, again, to an average of over $3.00 per gallon. This will be the highest jump in [...]]]></description>
			<content:encoded><![CDATA[<p>OH MAN! Here we go again. I guess now the &#8220;proof is in the pudding&#8221; and it is time for us to face reality.</p>
<p>Gas prices are not going back down and is now said to be going up, again, to an average of over $3.00 per gallon. This will be the highest jump in gasoline prices we have had since January this year. The increase of gasoline clearly does not only affect the people but also our economy.<br />
Back when gasoline reached over $2.00 per gallon you could see lower sales of SUV&#8217;s and other large vehicles. People just could not afford to drive these type cars and trucks. Just imagine what will happen now when prices exceed $3.00. Not only will it affect our economy on a larger scale but for a lot of people it may be devastating.</p>
<p><!--adsense--></p>
<p>Personally I cannot drive my car as much as I would like to. I actually have to limit my driving and make priorities of when do I really have to go somewhere. Think about this. The minimum wage is around $5.50 in the USA. This means after you pay your state taxes, federal taxes and FICA. Of that hours work you are basically left with enough money to buy one gallon of gasoline which might take you 15-20 miles down the road. (Not to mention the price of gasoline is loaded with more Federal and State taxes.) In other words you have to work one hour to be able to drive for 15 minutes.</p>
<p>Gee, they say owning a car is a luxury and a privilege. Time for a reality check again. For most Americans a car is a basic necessity. Is the government mentioning that they will do anything about this? (Like lower the Federal and State taxes on gasoline) NO! They are not.</p>
<p>Millions of Americans are already living below the poverty level today and how many will be considered to live below the poverty level after this increase in gasoline? A lot more people will have to seek help from the already strained welfare system just to feed their families. Children will go hungry so mom and dad can get to work to at least keep a roof over the family&#8217;s head.</p>
<p>Are we really a people that are so easily led? Don&#8217;t we have enough gumption and guts to stand up and say enough is enough or if nothing else demand something in return? (Like an increase in wages or a cheaper barrel of oil from Iraq that we are pouring billions and billions of U.S. tax dollars into) I got a question what is the price of gasoline in Iraq? Did you know that the U.S government is subsidizing the price of gasoline for the people of Iraq. Just guess what people in Iraq are paying for a gallon of gasoline? Please sit down before we tell you. 5 CENTS a gallon. Whats wrong with this picture?</p>
<p>You might think &#8220;OH WELL&#8221; welfare will take care of these people. What if it will actually affect you? This extra money you will have to pay for gasoline might be the money that would enable you to have cable TV. a computer or a cell phone. It will not be very nice to give this up, will it?</p>
<p>Before it all gets out of hand let us try to do something, demand something. After all we are supposed to be a government for the people, by the people. ARE WE NOT?</p>
<p>Our family took steps to lower our spending on fuel. We tried many products from oils, liquids, attachments and researched every product out there to no avail found nothing that worked.<br />
Until one day I was taking a taxi and the driver told me about this revolutionary new product that he had been using for months to increase his gas mileage, he said the whole Taxi cab company was using it and they increased their gas mileage by as much as 25%. He kindly gave me a few tablets to try. I took the tablets with great skepticism and tried them and to my surprise it really did work. The pills increased my mileage by about 20%. I vowed to tell the world about this product so here is a site to read more about the product www.CarCrow.com</p>
<p>D. Crow</p>
<p>Source: <a href="http://www.365articles.com">http://www.365articles.com</a></p>
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		<title>The Many Benefits of an Online Dating Service</title>
		<link>http://incuspace.com/2005/11/03/the-many-benefits-of-an-online-dating-service/</link>
		<comments>http://incuspace.com/2005/11/03/the-many-benefits-of-an-online-dating-service/#comments</comments>
		<pubDate>Fri, 04 Nov 2005 02:58:00 +0000</pubDate>
		<dc:creator>Incuspace Ideas</dc:creator>
				<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://incuspace.com/2005/11/03/the-many-benefits-of-an-online-dating-service/</guid>
		<description><![CDATA[Using an online dating service to find dates was once frowned upon and even considered scary. However, times have changed and so have the amount of people who not only approve of using an online dating service but the amount of people actually using an online dating service! Amazingly, the invention of the online dating [...]]]></description>
			<content:encoded><![CDATA[<p>Using an online dating service to find dates was once frowned upon and even considered scary. However, times have changed and so have the amount of people who not only approve of using an online dating service but the amount of people actually using an online dating service! Amazingly, the invention of the online dating service has gotten people out and about and dating again. If you are looking for a date, but still are a bit skeptical about using an online dating service, consider the following benefits an online dating service can provide.</p>
<p>Online Dating Service Benefit #1 Anonymity<br />You can upload a picture to your online dating service if you want, but it is not required. You will get more responses from other members of your online dating service, though, if you provide a picture. However, you will never be required to divulge your address, e-mail or phone number to any other user of the online dating service unless you desire to do so. Because of this, you can surf the available singles on the online dating service completely anonymous.</p>
<p><!--adsense--></p>
<p>Online Dating Service Benefit #2 Choices<br />There are an unbelievable amount of singles that use an online dating service. Because of this, you get to review all of the available singles at your leisure and evaluating the information provided. This gives you significant information about a person&#8217;s likes and dislikes and whether you might hit it off or definitely not. By reviewing this information you are significantly ahead of the game as compared to simply meeting someone on the street or in a bar. With the online dating service you know what a person is about before you ever contact them.</p>
<p>Online Dating Service Benefit #3 Secure<br />Your online dating service will never divulge your personal information and you will have the security of blocking any user that is bothering you. If for instance a particular online dating service user sends you threatening e-mails or makes you feel uncomfortable you can simply report them and have their account revoked and at the very least block them from contacting you. This type of security is not available in real life, unfortunately, but it is through your online dating service.</p>
<p>ABOUT THE AUTHOR</p>
</p>
<div>Jay Moncliff is the founder of <a href="http://www.godatingonline.info/">http://www.godatingonline.info</a> a website specialized on <a href="http://www.godatingonline.info/">Online Dating</a>, resources and articles. This site provides updated information on Online Dating. For more info on visit his site: <a href="http://www.godatingonline.info/">Online Dating</a> </div>
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		<title>Beginners Guide When Looking To Buy a Pocket Bike</title>
		<link>http://incuspace.com/2005/11/03/beginners-guide-when-looking-to-buy-a-pocket-bike/</link>
		<comments>http://incuspace.com/2005/11/03/beginners-guide-when-looking-to-buy-a-pocket-bike/#comments</comments>
		<pubDate>Thu, 03 Nov 2005 15:00:00 +0000</pubDate>
		<dc:creator>Auto Buying Tips</dc:creator>
				<category><![CDATA[autos]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://incuspace.com/2005/11/03/beginners-guide-when-looking-to-buy-a-pocket-bike/</guid>
		<description><![CDATA[When looking to buy a pocket bike (miniature motorcycle) be sure to do your research. You need to find reliable sales professionals, dealers, or internet connections to make this purchase. There are many &#8216;knock-offs&#8217; or imitations out there and to purchase them would be a waste of your money and time. The parts for these [...]]]></description>
			<content:encoded><![CDATA[<p>When looking to buy a pocket bike (miniature motorcycle) be sure to do your research. You need to find reliable sales professionals, dealers, or internet connections to make this purchase. There are many &#8216;knock-offs&#8217; or imitations out there and to purchase them would be a waste of your money and time. The parts for these imitations are not typically found and in the rare event that you can find them they will be extremely costly and are typically not guaranteed.</p>
<p>To assist you in making the best buy, talk to others that have already have a pocket bike such as a trusted friend or co-worker, your local pocket bike league, local dealers, etc. You can use the Internet to assist in you in your research as well. This will allow you a more time efficient method of comparing prices as well as obtaining information for various bikes. You will be able to compare the price of the actual bike as well as any amenities offered, allowing you to see which has the best offer.</p>
<p><!--adsense--></p>
<p>Also note that when you buy a pocket bike, the laws vary from state to state and country to country. Speak with your local law enforcement agencies and local pocket bike league so that you understand all local rules, regulations, and laws. You are making an investment and it would be a waste of money as well as your time to lose such an extraordinary machine because you failed to get all the correct information.</p>
<p>Once you have done your research and have decided to make your purchase, make sure of any safety equipment and/or gear you made need. You are making this purchase to have fun and fulfill some dreams, so your safety should be a priority so that you may continue to do so.</p>
<p>And now that you have done everything you need to make your purchase wisely and ensure your laws and safety, go out there and have fun. This is why you why you want to buy your pocket bike to begin with.</p>
<p>You can now buy <a href="http://buy-pocket-bikes.partnersinsuccess.net/">Pocket Bikes</a> online. To view our complete<br /> and comprehensive selection of Pocket Bikes, visit:<br /> <a href="http://buy-pocket-bikes.partnersinsuccess.net/">http://buy-pocket-bikes.partnersinsuccess.net/</a></p>
<p>Source: <a href="http://www.365articles.com">http://www.365articles.com</a></p>
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