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Wedding Pictures - A Must Read if you Entrust Them to Uncle George

April 26th, 2008

A friend of mine asked me for advice on how he could take the
pictures at a relatives wedding to save money.

I reminded him that wedding pictures will last a lifetime, and
every minute of that special day must be captured in great
detail.

Consequently, I would not recommend anything other than a
professional photographer, but if finance is tight, following
this proven outline should lead to a collection of “treasured
memories”

Initially, I would recommend close ups of centerpieces and the
place settings, name cards and menus.

This can be followed up with wide shots of the venue before
guests arrive and of course an overall view of the guests seated.

The bride and groom’s first dance is essential, plus the happy
couple dancing with their parents. Photos of the bridal party
dancing always prove popular and guests dancing in happy
situations are other important subjects

Close ups of the cake prior to the cutting should not be
overlooked and remember to show the bride displaying her new
ring to the guests. Photographs of the toasts to the couple will
always be treasured memories. Remember to show close ups of
happy smiling faces.

Include close ups of guests’ faces, having a great time. These
are best taken later in the evening …after they have loosened
up a little. remember to depict varying situations both sitting
at tables and dancing

Family members and children also make great subjects together
with close ups of the band, DJ and the Master of Ceremonies.

The bride and groom cutting the cake is always a highlight so
take plenty of shots covering this situation.

Traditions vary from country to country with removal of the
brides garter by the single males and the catching of the
bouquet by the single ladies being two that I am familiar with.
Whatever tradition is prevelant in your country, make sure it is
included in your photographs.

Final shots should be of the couple being farewelled by guests
and of course departing in their vehicle.

Remember, you only get one chance at these situations so take
plenty of photographs and you are sure to gather a great
collection of treasured memories.

Ultra Mobile PC’s - The Future of Mobile Computing & Entertainment

April 26th, 2008

Just when we think we’ve reached our mobile limit, something always comes around to blow our minds. PDA’s hit the mobile business world and exploded into an overnight sensation. Laptops use to be a rare purchase, but are becoming almost as common as a regular desktop now. Tablet PC’s haven’t taken off like everyone had hoped, but they do have some great uses. PDA phones and other internet ready phones are almost a necessity, not only delivering email and internet, but now video and other mobile entertainment. What could possibly be next? How do you get better than what we have now?

Introducing the Ultra Mobile PC (or UMPC) standard. What is an Ultra Mobile PC? It’s a standard developed by Microsoft, in what they dub the “Origami Project”. An Ultra Mobile PC will be similar to the tablet pc, but much smaller, and with a much more specific purpose.. to deliver information and entertainment “on the go”, in a small form factor mobile pc. It would essentially be a cross between an internet ready pda, and a tablet. A UMPC will be larger than any pda on the market, but still small enough to carry around easily, without all of the bulk you get from a laptop or tablet.

It’s important to remember that UMPC is a standard though, like the term PDA is a standard. There won’t be two exactly alike, except maybe certain brands that have similar models, but they will all be similar in most ways.

So how is a UMPC going to be so small, yet powerful enough to do anything?

Well, quite honestly, it’s actually pretty simple to make such a thing so small and still powerful. Without a full sized keyboard, with a touch screen replacing any mouse or touch pad, and with usb and memory stick slots replacing floppy and cd drives, you’ve reduced the necessary size tremendously. So you essentially end up with something nearly as powerful as a laptop, yet less than half the size, and so much easier to carry around.

While most of the specs from the different brands will be slightly different, here are some features that you can come to expect among most Ultra Mobile PC’s.

  • Windows XP Tablet PC Edition

  • 128 MB of memory (or more)

  • 7″ diagonal display (or smaller)

  • 800 x 480 wide screen resolution

  • Integrated touch screen

  • Integrated wireless and or bluetooth

  • USB/Firewire

  • Various memory stick slots

  • Much longer battery life than a laptop

  • Flip out, slide out, or simple on screen keyboard

    It’s also important to note that the price tag is looking to be between $600 and $1000, though I would expect those numbers to drop over time, similar to any other new computer products. I’m sure there will be some extremely high end models as well though, depending on the stats, but this is what the market is saying right now anyway.

    A UMPC won’t be a replacement for a pda, and it won’t necessarily be a replacement for your laptop either, I see it being more of a companion to all of the above. You probably won’t want to type up an essay on it without a full sized keyboard, and you most likely won’t want to carry it around with you all day just to view your calendar like you would with your pda.

    So what would you use a UMPC for then?

    Well that’s simple really.. everything else. Mobile internet, music, movies, games, research, news, and about everything else you would have to lug out your laptop for or go sit at your computer for.

    How great would it be to be able to do most of the things you would normally do on a computer or laptop, easily on a portable device? Not only at home, but on the go?

  • Looking for recipes while you cook

  • Comparing online prices and other store prices while you’re out shopping

  • Checking the news while you’re waiting at the doctors office

  • Getting directions while you’re trying to remember how to get to your aunts house

  • Easily chat with your friends while you watch tv

  • Download your favorite movies, shows, or music, anywhere, anytime.

    The possibilities are endless, and I could go on forever talking about the things you could do with an ultra mobile pc. The point is that when UMPC’s hit the mainstream, they’re going to change the mobile world as we know it. I don’t know about you, but I can’t wait.

    ——————————-
    This article taken from Computer Discounts Guide - Ultra Mobile PC’s (UMPC). View the website for more helpful guides.

    Donny Duncan, the author of Computer Discounts Guide has been in the computer field for over thirteen years.

  • More Money for Muscles?

    April 26th, 2008

    American Council of Exercise teamed with Consumer Reports to find the most effective exercise equipment. While they had plenty to say about weight equipment and cardio machines, abdominal, butt and inner thigh devices barely received a nod. In fact, the words used were “None worth considering.”

    Now, remember the purpose of Consumer Reports is to find the best buy for the money, which may contribute to the lambasting of belly and butt busters. But, the duo went on to explain that a large portion of the devices did not do what they claimed and the rest proved no more effective than regular floor exercises.

    For abdominals, and the often forgotten Obliques, if you find that you are bored with the same old crunch session, my suggestion would be to consider the many alternatives. Mom Looks Great has a list and the instructions to a plethora of abdominal exercises. Leg lifts (for abdominals? …YOU BET!), side crunches and free weight side bends to name a few offer different positions as well as target different areas of the muscles. All are completely free of charge; and, unlike the devices, can be done on a whim. This beats running to the garage to blow off the dust from your $20-30 piece of hinged metal.

    For your Glutes (i.e., butt), there are also many muscle toning exercises from which to choose. Add free weights and you can bet that your backside will be burning from the progress you will be making. First off, a simple, non-equipped squat is one of the best and most effective exercises for the backside area. Depending on your strength, add 10-20 pound dumbbells and eventually your favorite pants will have a whole new fit. As a side note, one of my favorite behind builders is the dead lift with dumbbells. While this move is more for your hamstrings, it definitely adds definition to your behind.

    For some, this run of the mill free stuff just doesn’t ‘do it’. If you are one of those who must invest money on contraptions to promote motivation, then let it be. Anything that motivates an individual to maintain a healthy lifestyle cannot be all bad. But, if you can get past the notion that more money means more results, a pair of good running shoes, a small set of free weights and a floor mat will provide a well-rounded fitness routine that has proven effective time and again.

    About The Author

    Sherri Dodd is the creator and author of Mom Looks Great - The Fitness Program for Moms. She is also an ACE-certified Personal Trainer and a Lifestyle & Weight Management Consultant with over fifteen years of exercise experience. She is dedicated to a life of fitness as well as encouraging others to establish healthy habits and a better quality of life.

    momlooksgreat.com

    Oak Island and Constructs

    April 26th, 2008

    Long before the Haplogroup X genetic proofs came out a few years ago I had been making the case for pre-Christian racial Paradise in the Americas. Just last month (June 2004) I found out that the ‘Y’ Chromosome research goes a lot further in showing the Natives are from the same stock as the Welsh, Basque and other pure Kelts. I have been confronted on the Haplogroup X data by biologists and I have received support from geneticists who agreed with me. It is all water under the bridge now - MY HISTORY is supported by genetic proof. I can say that finally - thank god! Therefore I can also say to all the history freaks and other debunkers of my true history - where is your proof?

    Will there ever be a time when academics investigate what the Masons do with the Earth Energy Grid and why there is a stele placed on that grid in recent times. It was put right smack dab in the middle of an existing road. We will look into a little more on those Cleopatra’s Needles and the Washington Monument too. Please don’t assume I am totally against what the New World Order advocates are interested in achieving. It is no simple black and white or one way street to manage society - which someone has to do.

    But we know they have waged wars while sipping tea with their enemy each evening up until the 20th Century (if not still) and we know they have enjoyed miss-leading as they lead us. That is a paraphrasing of how Jimmy Carter addressed the Democratic Convention in support of John Kerry in July of 2004. So we should ask where does one get such massive wealth to engage in such transparent folly during the last two thousand years and where did they store it. Does an engineered cave with water traps seem a likely site? When it is near a route that is seaworthy and close to the Gulf Stream does this mean Oak Island and its Money Pit might have some importance. I discovered that a Baron with my own last name was the last keeper of the bank in Nova Scotia during this research. He died at Culloden fighting for Bonnie prince Charlie who spent huge amounts of money that came from who knows where?

    You will be the judge of that unless something suddenly is found despite the ransacking and removal of whatever might have been there until FDR and other highly placed Masons formed a Salvage and Wrecking Company to further comb and cleanse the site. There are other reasons that things in the area exist and some of them are important too. We will gather what we can and present a lot of information so you can make your own decisions.

    Here is a response to a Mason who has seen enough of my stuff to realize I know more than he; and he thought he was ‘hot stuff’ and even told me I should join them if I wanted to pursue my interests and really get to know what it is about. Of course they also call anyone who thinks they know about these things arrogant or worse when they are threatened. It has been a few months and he is backing off that kind of thing, as hard as it is for those propped-up by deceit and ego. I think most people who will read this will not accept what I am saying here without doing a lot of checking into the facts.

    ‘I tried sending through an attachment from a fellow researcher who is working on the Kaballah as derivative from Qaballa which is an ancient Verbal Tradition such as kept by the Bairds or bards and the Bardic Tradition for over 25,000 years. He finds my history is supportive and I see his sets of codes in English and other things of great value. The particular piece is 19 pages on just the letter ‘E’ without getting too verbose or using illustrations, which he has lots of. The Gematria is not a specialty of mine although I am pretty good at pre-history languages and not bad at Green Language and alchemical allegories in the Jung from Silberer subset derived from alchemy or Hermetics. That has usages in psychotherapy and mind control which they call Neuro Psycho Linguistics and other words and systems they often do not understand, it once was called Dream Analysis; but they have gone far along the path of programming the mind. Kind of funny how psychiatrists say they do not believe in a soul and yet they use these archetypes from our collective soul.

    So as Dion Fortune did say - Kaballah is ‘twisted’. They have built these constructs or dimensional energy designs so that Masons and other ‘traveling men’ as you call them will think they have stumbled upon a great truth through their ‘visions’. After all who can imagine that elementals and dimensional energies are subject to such design engineering - eh? As Jung says in his forward to The Tibetan Book of the Dead - the Hindu will see Shiva and that hierarchy whereas the Christian will go through the Bardol stages of Afterlife and see the likes of Gabriel then Jesus.’

    The fellow researcher and I have done verbal sparring matches with many top Masons and shamans or Rabbis who have built ethereal constructs to capture ‘traveling men’ or those astrally accessing information. These constructs sometimes are admitted to by our adversaries who say they can differentiate the ‘constructs’ from the real thing. In the case of most secrets including the Oak Island bank, they have built ‘constructs’ to cause more mystery and it was most important to do this in the Americas where shamanism was a common practice.

    After Christian persecution and Roman proscription (’bounties’ on the heads of Bardic teachers and Druids) took hold in Europe there were many Druids who went to other parts of the world to join their “brothers”. The Easter Island white people found by Roggeveen and Cook, the Moriori of New Zealand (Both wiped out by Romano-British genocide in the 18-19th C.) as well as the Toltecs and mummy people of the Aleutians and Beothuk are partially connected to this ancient knowledge in varying degrees. The fact that the 18th century saw the demise of all but a few of them is worth your study. The larger remaining populations were subjected to varying degrees of societal programming. Some of their leaders tried to influence positive change from within the new Empires. The continuing racism and prejudice against Romuva, Jews, Ukrainians, Irish and Armenians until the 20th Century saw more holocaust than most people imagine. The extent of genocide in the Ukraine was as much as 33,000,000 people and then Stalin was rewarded with Eastern Europe by Roosevelt.

    Hitler modeled his concentration camps after the Turkish treatment of Armenians, and the overall degradation of the Jews was a continuation of the Black & Tan regime foisted upon the Irish. The American Civil War included Irish people fighting for both sides to the tune of one third of the total combatants and many of them joined Louis Riel’s Métis after that war. The whole of recent history has an element of those things brought about by the diminishment of women 5,000 years ago when Abraham started his baby-factories and women were eliminated from the status of equal participants who deserved education. The Council of Carthage in 397 A.D. legalized or formalized a broader spiritual degradation to second class whoredom that had begun many years earlier.

    I guess the cultivation of positive emotions can assist in a therapeutic manner which will enable people. But wishful-thinking alone will not solve much of the ethical issues borne through constant power-mongering or people needing to fight each other for more of that elusive and fictional One Pie. Let us strive to reduce any cherished illusions of our history if they do not stand the test of common sense for the good of all people.

    Oak Island is just one place that shows what ‘miss’-story continues to maintain. There is no treasure likely to be found there - since FDR and his cronies ransacked the place. The Bairds probably took the last shipment of what was in transit there to help Bonnie Prince Charlie (The Stuart Merovingians called Jacobin or Jacobite.) at Culloden where they died. It might have been used by some pirates like the Mason Captain Kidd shortly before. But after Culloden I highly doubt the Masons and other parts of the ‘octopus’ who had kept the secret of trade to America for so long; were putting anything of great wealth into a hole in the ground when they had the US well enough established. They no longer needed to manufacture excuses for what they were doing in terms of creating a New World Order which you see emblazoned on the US greenback. Oak Island still plays some role in the Earth Energy Grid but so does every other stele or vortex in this whole wide world.

    Every person who has life can share it and the energy regardless of special gifts, among people they really care for - it is common sense if you know the soul exists and ESP is real. Now that we are able to get past the ‘confines of religion’ hopefully we can replace the technocrats and doctors who took over the machinery of fear the church generated and get back to ‘whatever really WORKS!’ I know I say this all too frequently but it doesn’t come close to how often the opposing position states its agenda of negativity. It amazes me to see McGill using MRI equipment to prove the same area of the brain that affects motivation and overcomes depression is very receptive to music. It is hard to imagine the ecstatic dancers of all native cultures didn’t know this long before language and its divisive segmentation exerted a manageable force on society.

    “The Power of the Gregorian Chant
    Hear, O my son, the words of the Lord, and incline thy heart’s ear.
    -The Rule of Saint Benedict, OPENING WORDS

    One of the most amazing stories of healing in the annals of sound and music is the case of the melancholy monks. In the late 1960s, Dr. Alfred Tomatis was summoned to investigate a strange malaise that had descended upon a Benedictine monastery in the South of France. It was shortly after Vatican II that the brothers had become listless, fatigued and mildly depressed. Although the monks were anxious about a series of theological reforms, dietary changes, and new routines, their physical symptoms had no clear cause. As such, their condition had stumped several leading European specialists, and nothing seemed able to restore the devout brothers and their abbey to the joyful, active daily round they had once enjoyed.

    After arriving on the scene and finding seventy of the ninety monks ’slumped in their cells like wet dishrags’, Tomatis offered his diagnosis. The cause of this despondency, he declared, was not physiological, but audiological. The monks’ enervated state was the result of eliminating several hours of Gregorian chant from their daily routine. Previously, the whole community would come together {The socialization or shared energy being important.} eight or nine times a day to chant for ten to twenty minutes at a stretch. The long, resonant tones–the glorious ooooo’s and serene eeeee’s in ‘Gloria in Excelsis Deo’ especially– allowed a feeling of release and supplied a common focus. Most visitors would have found the chanting exhausting, but for the monks it was a way of keeping their internal motors primed. It slowed down their breathing {A very important part of all ‘occult’ practices.}, lowered their blood pressure, and elevated their mood–and their productivity. They weren’t conscious of the physiological benefits of their chanting, but they had clearly become accustomed to it. {A woman in Spain who had been afflicted with an abscessed tooth for over twenty years went crazy after it was removed.}

    Tomatis told the abbot that he would like to put the men back on a diet of Gregorian chant. He did, and the effect was dramatic. Within six months, the monks were once again vigorous and healthy. They needed less sleep, and they went back to their appointed tasks with renewed enthusiasm.” (1)

    Much of this author’s attributions about the splendour of the paraphernalia of the church and its images remind me about the effect of symbols and their hypnotic effect. Chanting certainly has been a major part of life in many cultures for longer than sea travel (800,000 years at least) or fire (In my mind this was used over 3,000,000 years ago after lightning fires and natural gas or pitch fires were found burning.). As we covered in other books on the origin of language (Ogham); Huna and the Hawaiian language is a mind altering experience. It is good to hear that the Gregorian chant is making Europeans return to a portion of the pre-Dark Age awareness that all people shared. Dance and rhythm or rhyme is a joy that love is nourished through. The language of the soul is enmeshed in the harmony created by love in all of its varied expressions.

    About the Author

    Author of Diverse Druids
    Columnist for The ES Press Magazine
    Guest ‘expert’ at World-Mysteries.com

    Learn how to motivate yourself

    April 26th, 2008

    “Motivation will almost always beat mere talent.”
    ~ Norman Augustine

    I truly believe Augustine’s words are true and if you look at history you know it is true. There are many people in the world with amazing talents who realize only a small percentage of their potential. We all know people who live this truth.

    We also know those epic stories, those modern-day legends surrounding the early failures of such supremely successful folks as Michael Jordan and Bill Gates. We can look a bit further back in time to Albert Einstein or even further back to Abraham Lincoln. What made each of these people so successful? Motivation.

    We know this in our gut, but what can we do about it? How can we motivate ourselves? One of the most difficult aspects of achieving success is staying motivated over the long haul.

    Motivation is not an accident or something that someone else can give you — you are the only one with the power to motivate you. Motivation cannot be an external force, it must come from within as the natural product of your desire to achieve something and your belief that you are capable to succeed at your goal.

    Positive pleasure-oriented goals are much more powerful motivators than negative fear-based ones. Although each is successful separately, the right combination of both is the most powerful motivational force known to humankind.

    Here are some tips and methods for motivating yourself:

    ~ Use a past defeat as a motivator. Remind yourself you have nowhere to go except up as you have already been at the bottom.

    ~ Give yourself the power of responsibility. Remind yourself the only thing stopping you is yourself.

    ~ Make a list of your achievements toward your long-term goal and remind yourself that intentions don’t count, only action’s.

    ~ Do it today. Remind yourself of someone you know who died suddenly and the fact that there is no guarantee that tomorrow will come.

    ~ Let success motivate you. Find a picture of what epitomizes success to you and then pull it out when you are in need of motivation.

    Reflect and experiment until you find the right combination of motivators for your personality and your personal goals. I’ll leave you with this final motivating quote:

    “What drives me? The thing that drives me most is the desire to find my limits–and extend them.” ~ Richard Marcinko

    Now go push your own limits and succeed!

    Deanna Mascle is an inspirational freelance writer. You can find more inspiration at Inspiration by Dawggone and her inspirational ezines Words of Inspiration Online and Daily Quote Online.

    Medical Insurance - Sorry, you’re not covered!

    April 24th, 2008

    In the UK around 7 million people spend around £3 billion a year on medical insurance. One in seven policies are taken out by individuals with the balance being put in place by their employers. The problem is that Medical Insurance is complex and few policyholders take the time to really study the details of their cover. As a result, many misunderstand what will be covered. If you expect medical insurance to pay every health claim, you’re mistaken.

    Medical Insurance is designed to provide protection for curable, short-term health problems and allow policyholders to jump the NHS queues to see consultants, be diagnosed, receive surgery or be treated. That sounds fine, but before you buy you need to appreciate the treatments and situations that fall outside the scope of the cover.

    But first a word of warning. This article does not relate to any specific policy and the terms and conditions issued by individual insurers do vary. So please ensure you also check your policy documents. After reading this article, you’ll know what to look out for!

    Sorry - it’s a chronic condition

    If a condition can be cured and is not a long-term problem, your insurance company will classify it as acute and should meet the cost. If your problem is incurable or it’s a problem that, despite appropriate treatment, will be with you for a long time, then your insurance company will classify it as chronic - and no, you won’t be covered.

    But deciding whether a condition is acute or chronic is fraught with problems. It’s rarely a black and white decision and this can lead to a major area of conflict between policyholder and insurer.

    It’s clear that asthma and diabetes are chronic conditions as you’re almost certain to suffer from them for the rest of your life. So those categories of illness are not covered.

    Problems arise when Doctors initially consider a patients’ condition to be curable, but the condition later deteriorates and the medical team changes its’ mind, it’s now become incurable. This can sometimes happen, especially in the treatment of certain types of cancer.

    In these circumstances, the condition is initially defined as acute and is therefore insured, but deteriorates and becomes chronic - and outside the terms of cover. This is possible as insurers retain the right to reclassify a condition from acute to chronic during treatment.

    Sorry - it’s too long term
    The insurance company will not pay out for long term treatment. But you need to check your policy documents to see how they define “long-term”. You can find the situation where a course of drugs extends for say 12 months, but the insurer will only pay for ten months.

    Sorry - it’s preventative
    Your insurance is designed to pay for the treatment and cure of conditions when they arise. It is not designed to pay for treatments that are used to prevent an illness.

    Again, the problem of definition arises. Sometimes it is arguable whether a treatment is preventative or a cure. Take the drug Herceptin for example. This drug can be used in the early stages of breast cancer. Research shows that Herceptin can halve the incidence of cancer returning for women who have a particularly virulent form of the cancer known as HER2. In this situation, is Herceptin offering a cure or is it a preventative?

    Insurance companies are split on the debate. Norwich Union, WPA, BUPA and Standard Life Healthcare will pay for Herceptin for HER2 patients whereas Legal and General and Axa PPP will not.

    Sorry - the drug is not approved
    Two of the main attractions for taking out medical insurance are: to jump the queues at the NHS, and to get the latest treatments and drugs. But there’s a rider.

    The Institute for Health and Clinical Excellence exists to approve the use of new drugs by the NHS in England and Wales. Until that body has approved the drug your insurer is unlikely to pay for its use. The problem is that the Institute’s brief is to perform a cost/benefit analysis to ensure that the financial benefits to the nation from using the drug, outweigh the costs of using it in the NHS. A difficult brief and it has placed the Institute under scrutiny for the extended delays in drug approval.

    The compromise hit on by the Financial Ombudsman is that if your medical policy won’t pay for the use of experimental treatments, then it should meet the cost of an approved conventional treatment with the policyholder footing the bill for the balance if the experimental treatment is more expensive.

    Sorry - it’s a pre-existing condition

    The basic principle is that if you are already suffering from a condition when you start a policy, then that condition “pre-exists” the policy and any claims for its treatment are invalid.

    For this reason, insurance companies insist you complete an exhaustive questionnaire before they agree to insure you. After all they need a clear picture of your medical condition before they quote. For many applications, the insurer will, with your approval, also write to your GP for specific details of your medical history. They like to have a complete picture.

    So lets say some years ago you twisted your knee playing tennis. It appeared to recover but now it turns out that you have a torn cruciate ligament and it needs to be operated on. Your medical insurance company could argue that the ligament damage was a pre-existing condition and you have to pay for the operation.

    Some insurers try to accommodate these grey areas with a moratorium provision within your policy. These provisions typically say that so long as you have been symptom free for two years relating to any condition you’ve suffered from within the last 5 years, they will pay for subsequent treatment. Not all policies have these moratorium provisions and the time periods do vary between insurers. You should carefully read your policy.

    Sorry - its not covered

    Medical Insurance is an annual contract - just like your car insurance. So when it comes to renewal, your insurer is at liberty to review not only your premium but also change the conditions on which your cover is provided.

    Therefore, if your policy comes up for renewal mid way through a course of treatment, it’s possible to find that your new policy no longer covers that particular treatment. This means that you will have to foot the bill for the balance of the treatment.

    Furthermore, with ongoing advances in medical research, more and more conditions are becoming treatable. This progress has the effect of shifting back the dividing line between chronic and acute conditions.

    This hits the insurers’ pocket in two ways. With more conditions being reclassified as acute, the number of claims is increasing. And there’s also a trend for new treatments to cost more - Herceptin being a good example. The net result is that the insurers are finding themselves having to pay out far more. This is inevitably passed back to you through increased renewal premiums. And in an attempt to reduce their risk exposure, insurers have a tendency to adjust their definitions and exclusions. This means that you must read your renewal notice closely before you decide to renew.

    So if you’re tempted to buy Medical Insurance, be aware that everything is not always black and white. If you’ve got insurance and need treatment, you’re well advised to contact your insurer without delay and get them to confirm that they will meet the cost of your proposed treatment.

    Michael writes for Brokers Online who offer most UK financial services including Health insurance

    More Health Insurance Topics

    Additional reading : How does private medical insurance work ?

    Review of the Honda NTV 600 Revere

    April 24th, 2008

    I purchased this bike as a second bike. I already had the SLR
    650 that I love, but on those occasions it needs attention it
    leaves me with no 2-wheeld transport. I’ve always liked the NTV
    range of bikes because they are known for their reliability and
    ease of maintenance. Initially I was looking at the much newer
    Deauville but the few dealers with second hand machines would
    not deal on the price. Searching through the biketrader I
    spotted this bike for £1300.

    I went to look at it in the shop and it immediately struck me as
    a genuine bike. It had a large screen fitted, was clean but not
    polished, had been dropped but no serious damage and did not
    look like it had been “bodged” by some cowboy such as myself. A
    deal was struck and a few days later I rode my purchase home.

    First impressions were good. Acceleration is acceptable below
    6000rpm then becomes quite brisk above, running out of steam
    1000rpm short of the 9500rpm redline. Handling is not fast but
    very solid after riding the twitchy SLR for so long. Comfort
    remains to be seen but the riding position is very sporty for a
    bike designed for hard-working long-distance couriers and other
    mile eaters.

    Let’s start with comfort. Before I tell you about this I ask you
    to bear in mind I had a motorcycle accident 3 years ago which
    left me with a stiff left knee and hip. I am 5 feet 9 inches
    tall, which is considered about average for my country. The
    riding position has the knees quite bent and a fair lean forward
    across the long large tank is required. At town speed this makes
    getting my feet on and off the pegs a chore and my wrists can
    ache. The lean forward comes into its own at motorway speeds,
    but then my backside goes numb.

    This is not a comfy long distance bike, for myself. I suspect it
    might be me and not the bike as countless couriers travelling
    millions of miles cannot be wrong. I talked about this to
    another biker once and he agreed, the seat is too low and the
    pegs too high and the bars too far away. It may suit a smaller
    rider. He suggested placing a cushion on the seat, I have tried
    this and it is a great improvement. I am now trying to work out
    how to lift the seat 1 inch without making the bike look silly.
    If you plan to use the bike for long trips, try to get a long
    ride in before you buy to see if the ergonomics suit you.

    Handling. This is spot on for me. I don’t ride like a racer but
    I do press on and the bike is solid, stable and reassuring
    through the bends. I use Bridgestone BT45 tyres that provide
    good grip in both wet and dry, and should last a long time. I’ve
    used these tyres before on other bikes and did not like them,
    but they are perfectly suited to the NTV. The whole chassis
    inspires confidence.

    Power. This comes in at 50 something bhp, not a great deal in
    modern motorcycling, but more than the SLR I normally ride. It
    is quick enough for myself, will beat general traffic and
    surprises the sport bikes by keeping up with them. The power is
    smooth but really comes in above 6000rpm. It will also run down
    to 1800rpm, any lower than that and the shaft starts to rattle.
    It’s and easy power and flexible.

    Maintenance. Shaft drive, what more can I say. Use it, forget
    it, change a tiny bit of oil whenever you remember that it’s
    there then forget it again. As for the rest it’s difficult to
    describe really, not had to do anything to it! Removing the back
    wheel takes 2 minutes due to the single sided swingarm. Changing
    the oil and filter is a doddle as everything is easy to reach.
    Cleaning is easy. Even adjusting the shock is done with ease.
    There is a preload adjusting knob behind one of the panels and
    the damping adjuster screw is no problem. It’s so easy. I know
    from previous ownership of an NT400 Bros that any carburettor
    work will be a nightmare, changing the plugs will be fiddly and
    getting to rocker covers is challenging. But hey, it’s not a
    problem as they never need this kind of work…I hope. I’ll keep
    on changing the oil every 3 to 4 thousand miles.

    Loading the bike is easy, as you can see above. It takes load
    like a lorry and I always worry about not having enough space,
    with this bike I always have spare space. The bike takes it in
    its stride. With this lot on the suspension was a bit soft but
    it took 1 minute to stiffen the shock by clicking the knob.
    Except at slow speeds I did not even notice a difference with
    the load.

    Costs. If ridden hard this bike returns 45mpg. The best I have
    managed is 59mpg but I had to ride like an old lady. Normally
    fuel runs at 50 to 53mpg being used for commuting. Most people
    tell me this is good or at least acceptable, but I don’t like
    spending money. I am looking for 150mpg, haven’t found it yet.
    Tyres should last 8000 miles rear, god only knows how many at
    the front. BT45’s are cheaper than super sport tyres. Parts will
    be standard Honda prices, expensive. There is quite a good
    aftermarket choice due to the bike being popular with the
    couriers. No chain to replace.

    Can I recommend this bike? Yes. Everyday use is a pleasure and
    it should last forever, mine is already 14 years old with 35,000
    miles and I’ve seen these with over 100,00 miles, looking tired
    but still running strong. If you plan long distance riding then
    either try one first or be prepared to alter the riding position
    somehow. If you are looking for speed then look elsewhere or
    look at the NTV650 Bros and all the American tuning companies.
    Many of the tuning add-ons will fit the Revere too. It’s not a
    sports bike but can be made to move and handle really well.

    Insured Risks Public Liability Insurance

    April 23rd, 2008

    Because members of the public or customers come to your workplace or you go to theirs, you should consider thinking practically about looking into business public liability insurance. This category of insurance will often cover tons of circumstances, any awards or damages passed to a member of the general public because of injury & damage to their properties caused through actions by you yourself and your business.

    There can be found lots of circumstances, omissions & warranties that might well be applied to business insurance policies. It is therefore crucial that you yourself converse with your insurance advisor any that can be found applicable to your risk insurance policy.

    A brilliant organization who specialise in this are Insured Risks. The public liability insurance corporation recommend small business public liability insurance available at a really reasonable cost. The public liability firm will ensure that you and your company take out the correct risk insurance policy that is suitable for you and your firm. Owning business public liability insurance is not a mandatory requirement then again it does however make fantastic business sense. Local authorities can often generally appreciate a minimum level of 1 million public liability insurance for works to be undertaken at the customer’s premises and on the client’s behalf. Get Public Liability Insurance from Insured Risks.

    Insured Risks insurance cover is available for well over 220 contracting trades & professional occupations. Business public liability insurance cover is available on stagnations of one million two million and for the majority of cases £5m. The insurance organization is specially designed to cover self employed tradesman, professionals and start up businesses up to a total of ten people, with or without limited company status.

    Pregnancy and Medicines

    April 22nd, 2008

    It is important for you to remember about possible pregnancy every time you are prescribed a receipt or advice taking some medicinal preparations. You know, during pregnancy attitude toward preparations changes. Medicines, which were quite safe before, now can bring harm to a baby. Moreover, you can not always tell for sure whether this or that remedy is safe for a pregnant woman. Anyway, if you want to change medicine you take, consult your doctor definitely.

    Some medicines are meant for a short course of taking, for example antibiotics against various infections. Other ones, prescribed while chronic or just long diseases, such as high pressure or diabetes, you should take constantly. Some medicaments are absolutely harmless and can even be necessary for successful passing of pregnancy, other preparations are not safe a t all and can even cause very serious consequences. So while taking medicinal preparations during pregnancy you should observe they are safe for you. Here are several general rules of taking medicines during pregnancy.

    - Practice safe sex until you are absolutely sure of your wish to become pregnant.

    - Take medicine strictly according to a prescribed receipt.

    When a doctor prescribes a medicine for you and there is a probability of your pregnancy (for example, you did not use contraceptives), inform him about it.

    - Don’t practice self-treatment or use medicines, prescribed to some other person.

    - If you doubt something, it is better to consult a doctor.

    About 2-3 % of all inborn defects are caused by taking medicines during conception and pregnancy. Researches showed that medicines can also influence your partner’s sperm. In 1979 Pharmaceutical academy worked out a comparative system of categories of taken medicines in ratio to their safety for pregnancy. System includes 5 categories of medicines - А, В, С, D and X.

    - Category A - medicines or remedies, which safety for pregnancy is proved. Examples: vitamins and thyroidal hormones.

    - Category B - remedies, which are considered to be rather safe, according to researches, carried out on animals and people, and which you can take without considerable risk. Examples of such preparations are antibiotics, such as amoxicillin and erythromycin.

    - Category C - remedies, which action was studied on animals. Researches showed that they influence fetus negatively. They did not carried out such tests on people. These medicines can be prescribed only in case, when possible benefit exceeds potential risk, connected with taking medicine. Examples: Compazine, theofillin.

    - Category D - remedies, on which there is information, proving risk of their taking for embryo. These preparations can be used only while vital necessity, when no other remedies help. An example of preparation of this category is tetracycline.

    - Category X - remedies, which testing on people and animals showed embryonic defects. Probably, risk exceeds positive effect. These remedies should be taken during pregnancy on no account. Examples of such medicines are Accutan, lithium, vaccinations of smallpoks.

    Yana Mikheeva is the creator of Baby Health Directory - Pregnancy, Birth, Parenting and Baby Care resources. Are you going to get pregnant? Visit our friendly resource and read information on pregnancy and parenting, painless childbirth, growth and development of a baby, baby health, safety, signs of pregnancy.

    She also has All about women site where you can find articles on various subjects, such as: diets, receipts, health, cellulite, figure, aromatherapy, wholesome food, psychology of relationships, pregnancy, parenting, fashion and many others.

    Unique Mortgage Refinancing Schemes

    April 22nd, 2008

    Why Get Mortgage Refinancing? If you already have a mortgage loan you are no doubt aware of the steady decline in mortgage rates over the years. Don’t you wish you had a way of making use of the dip in interest rates? Well that’s exactly what we offer you. A home mortgage refinance loan gives you the chance to start saving money right away… and throughout the entire term of the loan. That adds up to an incredible amount of money over the length of the loan. Think of all the uses you can put that money to… like getting a home improvement done or saving up for the kid’s college education.

    What Does a Home Mortgage Refinance Loan Involve? Mortgage Refinance is a simple procedure which involves getting your old mortgage refinanced at the current rates of interest. This way you actually spend more into paying off paying the main debt rather than giving away a substantial portion of the money in the form of interest. Just to get an idea of the incredible savings that you are in for, just look up the current interest rates and compare them with the ones that you have on your mortgage. A simple calculation will reveal what a huge amount you stand to save by the end of the loan term, with our mortgage refinance schemes. The mortgage brokers or financial agents do all the legwork so that you can evaluate the information at your convenience and contact them online. The participating lenders in the directory offer the best rates on fixed rate mortgages and adjustable rate mortgages.

    OptionRefi equips you with the simplest and easiest way to get a home refinance loan .When you apply for a home loan refinance scheme with us you will have access to the best mortgage refinance loan in your area. Your requirements will be analyzed by our team of experts and professionals and they will get back to you with the top rated home mortgage refinance available.

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