Archive for April, 2007

How To Get Your Credit Score For Free

Posted in Credit Score on April 30th, 2007

Want to know how to get hold of your Credit Score for free? Here you’ll find some tips and advice from an attorney. The first thing to know is that you need to be truthful, but still cover over the bleakest part of your finances and accounts. Go into detail on any sickness, discharge, accidents, recovery and back taxes.

When you need to consider a bankruptcy, consider carefully. It is best if you don’t incur any other debt or credit after declaring, because if you do, you may not be able to discharge them in bankruptcy. Moreover, do not reveal where you are working or where you bank. You don’t want this information to cause you trouble should someone get a judgement against you — by providing this information you’ve made their task much, much simpler.

Cleanly answer the questions and queries but make no other comment. Rather than sending a check from your bank, get a money order or cashier’s check so as to protect the name of your bank. What you want to do here is make your Credit Score zero. When you want to consider an attorney, always bear in mind that though an attorney carries influence and can do a fine job, they cost a lot of money. In addition, do not hire one unless you are indebted a great deal and have a sensible chance of a very fine deal.

If you do have to pay a lawyer, sometimes what you set aside in arrangement is what you lose in the end. And when you are contacted by more than one creditor for the same debt, it almost certainly means the debt was sold a second time and you have avoided the first collector very well. In other words, you’ve made yourself hard to get a hold of, so the debt has been able to get incredibly old debt already. Moreover, many secondary and tertiary collectors at this phase might be willing to accept 40-55 cents on the dollar and probably even less. When the collector agrees to resolve for less, be sure it is also designated on your credit report and statement.

In addition, you may have tax complication on the debt owed. And any write off of $500 or more is considered profits to you the consumer. The creditor will send you and the IRS a form towards the end of the tax year. So get out of your debt any way you can. If at all possible, struggle to work out a repayment plan to get out of your debts. And if it so happens that the interest rate is too high, and you can’t practically get out of debt for the next 5 or 6 years, you might want to consider credit counseling.

Like Everything Else 80’s Leotards are Making a Comeback

Posted in Leotards on April 30th, 2007

Fashion, like many other things in history, seems to work in cycles. Bell bottoms came back, afros came back, and the shaggy 70’s look came back left and came back again. The cycle continues in dance wear, and it is apparent when you walk into any hip night club or concert: leotards are making a comeback!

The leotard originally peaked during the days of disco and Fonda in the 1970’s. Today, over 30 years later, the one-piece outfit is popping up in fashion magazines, in concerts, and in vintage boutiques. Leotards are making a comeback on the heels of other 70’s and 80’s apparel like leggings and skinny jeans, and the trend is seemingly being embraced by the masses.

The original leotard first appeared in 1859. Named after the creator, a French aerialist, Jules Leotard, it showed up first during a French flying trapeze performance. The first edition of the garment was a hand-knit jersey that covered him from wrist to ankles. In fact, it was more of a unitard than a true leotard. Stories abound about the revealing nature of the garment drawing as many people as the performance itself, which does not venture that far from the truth of today either.

From ballet artists, to showgirls, to lingerie models, leotards went on to become a part of pop culture through the 1960’s and 1970’s. However, as the late 80’s and 90’s passed, leotards were limited to formal ballet performances and rarely showed up in pop music or the night life of major markets once the hair band era moved on. That is all changing now as the first decade of the 21st century marches toward completion.

The one group who don’t have to be told that leotards are making a comeback is superheroes. Many a comic book hero is dressed in standard leotard and cape attire. In fact, it may be argued that Halloween and the affinity of young boys for super heroes is what kept the leotard industry alive through the last decade.

It is true, leotards are making a comeback. Nearly 20 years since hair bands and unitard costumes went the way of the dodo, the leotard look is coming back with performers, dancers, and clubbers alike. The new trend is finding its way into the pop culture consciousness by being simple, sexy, and vintage. Everything in history goes in cycles, including fashion, so it is no surprise the one piece clothing wonder is back. What’s next, moon boots and parachute pants? Stay tuned since the advancement of the leotard can be seen as an announcement that anything can come back as long as pop stars are willing to put them front and center.

So get used to leotards making a comeback. Whether you choose to participate in the vintage movement or not, it is coming. It has been in and been out and back in again since its 19th century trapeze beginnings, which means that leotards are more timeless than most anything in the fashion spectrum.

Which Truck Accessories add the Most Value?

Posted in Custom Truck Accessories on April 30th, 2007

If you tend to think of your truck as an investment (which it is), then you should definitely consider resale value when you add accessories. After all, the day is going to come when you will probably want to move on to something bigger and better, and you will want to get the best trade-in possible. But how can you know which accessories will give you the most bang for your buck? In this article, we’ll wade through the accessory waters and answer the question: Which truck accessories add the most value?

The first recommendation is to add an aftermarket exhaust system. An aluminized or stainless steel exhaust system adds tremendous value to your ride, for a couple of reasons. First of all, a new exhaust saves you money at the pumps by improving your fuel economy. In fact, you can expect to see an increase of anywhere from 2 – 4 mpg on average. It also helps increase your trucks overall power, with most people seeing gains of up to 10%. This sort of performance will definitely be appealing to both you and any potential buyers. Lastly, let’s face it; a steel exhaust just sounds amazing. There’s nothing quite like the feeling you get when you hear that baby purr and then roar. All in all, adding an exhaust really ups the value of your ride.

The next recommendation in adding value to your truck is to replace your current air filter with a high-flow air intake. Much like a new exhaust system, a new air intake will save gas while increasing up to as much as 25 horsepower! This accessory will cause your truck to accelerate faster, handle better, and gain more power and torque. Need we say anything more?

Now that we have covered some performance accessories, let’s turn our attention towards some interior accessories. The right dash kit will completely change the look and feel of your truck’s interior. Aside from looking tremendous, a proper dash kit will help protect against cracking and fading while also adding major value.

How can we talk about adding value to your truck without mentioning audio accessories? The right audio system can give your truck just the right soundtrack to finish off an amazing ride. By spending the money for high quality amps, battery posts, clamps, and capacitors, your system will have almost as much power as the truck itself.

There is one last thing to consider when looking after your truck’s exterior. Bed caps and liners will protect your truck’s cab from dings and scratches that may negatively affect its value. In addition, these accessories are perfect for combating harsh weather conditions as well.

There is no question that you want to do all the right things to take care of your investment. By adding these accessories to your ride, you will not only be protecting your truck in the present, but you will also be making it an attractive option for a potential buyer in the future as well.

Does A Tankless Water Heater Save Money?

Posted in Tankless Water Heater on April 30th, 2007

When you think of the household items that are most to blame for your high electric bill, chances are good that you pinpoint the usual suspects. Most people think of the television, lights, kitchen appliances, and washer/dryer combos as being some of the biggest offenders. But you would probably be surprised to learn that the number one reason behind your high electric bill is an item that operates 24 hours a day. Your storage tank water heater is robbing you blind, and you may not even realize it. The reason for this is because a standard storage tank water heater is constantly working to keep water heated, even when you are not using it. This leads to increased energy usage and an inflated electric bill. However, many homeowners looking to save some bucks have recently turned to alternative devices known as tankless water heaters. In this article, we’ll examine just how effective these types of systems are, while answering the question: Does a tankless water heater save money?

A tankless water heater works in quite a different way than a storage tank heater. A tankless water heater kicks into action only when you turn on a hot water tap, heating water through copper and brass heating elements. When you shut the water off, the tankless water heater also shuts off. This leads to the preservation of energy and subsequently lowers electric bills. In fact, most homeowners can save on average between 30% - 50% off their current bill. Pretty nice, huh? But this is only one of the more obvious ways in which a tankless water heater can save you money. Let’s turn our attention to some other cost-cutting features that come along with this device.

For starters, the federal government will reward you with a $300 tax credit just for installing a tankless water heater. The government isn’t known for just handing out free cash, so that should tell you that they believe in the benefits tankless water heaters afford. And while purchasing and installing a unit will initially cost around $1800, these units will last for 20 years or more without any need for maintenance. That $1800 investment will certainly pay for itself in a couple years time when you consider the huge savings on your monthly electric bill.

There are two other ways in which a tankless water heater can save you money. First, storage tank water heaters tend to develop leaks at some point. These leaks can end up costing you thousands of dollars in repairs and replacements. These types of leaks are not a concern with a tankless water heater, thus saving you money down the line. In addition, tankless water heaters are equipped with venting systems that filter out any harmful gasses or impurities. This keeps your family safe and healthy, and free from the concerns that sometimes come with storage tank water heaters.

As you can see, a tankless water heater does save money in a variety of ways. So if you are serious about lowering your outrageous monthly electric bills, why not look into installing this system into your own home? Your wallet will surely thank you.

How Does A Tankless Water Heater Work?

Posted in Tankless Water Heater on April 28th, 2007

Consider this scenario: You come home after a hard day’s work, and the only thing on your mind is taking a nice, long, hot shower. You hop in, and start to enjoy the hot water splashing down upon you. However, just a few minutes into your escape from the day, you notice the water temperature turning lukewarm. Another minute later, it is bordering on chilly. Before you know it, your nice hot shower has turned into a freezing torture test. How can this happen? Well, more than likely the problem can be traced to an underachieving storage tank water heater. For this reason (and others), more and more people are starting to discover the benefits of switching over to a tankless water heater. How does a tankless water heater work? In this article, we’ll give you the skinny on this amazing system.

Before we examine the tankless water heater, let’s take a closer look at its counterpart. A storage tank water heater keeps a certain level of water hot 24 hours a day, which can lead to some negative results. First, this constant energy use leads to higher electricity bills and unnecessary wear on the water tank. In addition, when the hot water supply gets used (as in the example above), the water tank needs a standard amount of time (also known as recovery time) to heat the water back up again. This can often be frustrating, especially in larger family homes where the battle for hot water can be “heated”.

That leads us to tankless water heaters. These systems are designed to heat water as you need it, which means that everyone in your family will be able to use hot water anytime on demand. How is this possible? Well, whenever somebody turns on the hot water faucet, the tankless water heater springs into action. Cold water flows into the heater and is instantly heated by copper and brass water ways known as exchangers. The result is endless hot water in a matter of seconds! The hot water temperature is set by you and will always remain the same, which should eliminate any incidences of burns or scalding water. When the members of your family are finished using the hot water, the tankless water heater will shut down until it is needed again. As you can see, this system is far more efficient than standard storage tank water heaters.

Tankless water heaters also last longer than storage tank water heaters. Aside from being more space effective (most units are a quarter of the size of conventional heaters), tankless water heaters also provide unobstructed heat transfer. Why is this? Because water is not actually stored in a tankless heater, mineral build-up does not occur. This enables a tankless water heater to perform at the highest level for upwards of 20 years or more.

Now that you have a better idea about how a tankless water heater works, why not consider replacing your outdated storage tank with a system of your own? You will save energy, space, and money, and best of all you and your family will always be guaranteed hot water any time it is needed.

Improve and Upgrade Your Ride with Truck Performance Accessories

Posted in Truck Accessories on April 28th, 2007

Make no mistake about it; your truck is an extension of who you are. You put a lot of work into making sure your ride projects exactly the right image for your personality. But despite all of your efforts, do you still feel that your truck is missing that little something extra? In this article, we’ll give you a few easy suggestions on how to improve and upgrade your ride with truck performance accessories.

The first thing you need to do is make an honest evaluation of your truck’s current condition. While it may look as new as the day you bought it, could it use a little more “oomph” under the hood? By correctly identifying the areas in which your truck could improve, you will make it easier to find exactly the right upgrade. Let’s take a closer look at a few additions that will turn any truck into a force to be reckoned with.

The first suggestion on upgrading your truck’s performance is to add a high quality exhaust system. An aluminized or stainless steel exhaust will go a long way towards increasing the overall life of your truck. There are several reasons for this, the first being gas mileage. In today’s current market, gas prices are constantly rising, and there is no end in sight. However, you can actually boost your fuel economy by as much as 4 miles per gallon just by adding a new exhaust. That can mean big savings for you over the long haul. In addition, a new quality exhaust system will add some serious power to your vehicle; often times by as much as 10%! Lastly, a new exhaust will give your ride an unmistakable roar that is sure to turn heads everywhere you go. While you can expect to pay several hundred dollars for a top of the line model, it is easy to see that the potential gains far outweigh the cost.

Another upgrade you can make to both look and performance is to improve your truck’s suspension. If you are looking to create an imposing presence with your ride, you may want to consider a suspension lift kit. These kits make it possible to customize your truck with lifts ranging anywhere from 2” all the way up to a monster 8”. The components included in high quality kits all look outstanding, and in addition make it possible to increase tire size and capability. On the flip side, you may want to give your truck that “low-rider” look. This is where a lowering kit with drop shocks can help. Aside from giving your ride a sleek road-hugging look, a lowering kit can also help your truck’s overall performance and handling.

Whether thinking about an exhaust system, a suspension system, or both, you can be confident knowing that you are adding years onto your truck’s life while also making a stylish statement. Best of all – these items can be easily installed by yourself or a professional. Either way, you are sure to love the results when you see what a difference these upgrades truly do make. Enjoy!

Finding High Quality Wallpapers for Your Desktop Computer

Posted in Computer Wallpaper on April 28th, 2007

If you have ever wanted to ditch your computer’s plain looking background, there are plenty of options available online for you to download wallpapers. Wallpapers are images of just about anything imaginable that can be used as the background on your computer screen. Shop Visually. Chinese greenBuy Three-strand FW Keshi GreenDesigner Set combination of Light and Dark Green. Green Pearls Delicious pearl-like soybeans - a natural kid-pleasing snack. Odds & Ends. While wallpapers are a lot of fun and can add some personality to your desktop computer, they are often cheap looking and potentially dangerous. In this article, we’ll give you simple tips for finding high quality wallpapers for your desktop computer.

You are probably wondering how simple wallpapers could possibly be dangerous. Well, the fact is that many sites offer free wallpapers, but do not have the proper tools to fight against computer viruses. When people download these wallpapers to their desktop computer, they can have their whole system compromised by these nasty worms. So, how can you find high quality wallpapers for your desktop computer that won’t cause you trouble? Let’s take a closer look.

The first thing you should do to safeguard both yourself and your computer is install pop-up blockers and spam blockers. In addition, you should also install a reputable virus scan program (such as McAfee) that can alert you to any potential dangers before they infect your computer. The next thing to do is to only download wallpapers from sites that you know and trus Licensed Pharmacy. Pedi-Cure Kills Persistent Nail Fungus-Guaranteed. Lamisil Learn about Lamisil (Terbinafine hydrochloride), including potential side effects and drug interactions. ReadOrder Online or Toll-Free Today. t. While the internet is a fun place to be, it is filled with a lot of garbage web sites that exist only to wreak havoc on people’s computer systems. If you are unfamiliar with a site, or immediately become bombarded with pop-up ads after visiting, it is best to try another wallpaper service.

Another tip in finding high quality wallpapers for your desktop computer is to download directly from your favorite fan sites. For example, say you are a huge sports fan or you absolutely love a TV show. By going to the official web site of your team or program, you will have a variety of wallpaper choices to select from. This is an advantage over other sites for many reasons. First, you are able to download exactly the image you want without searching all over the inter General Info:. NeurontinNeurontinApr 12, 2008 Users’ perspectives NeurontinAnticonvulsant agent. Neurontin 110% Price Match Guaranteed. Can We Recommend Enzyte. net. Second, the wallpapers provided on these sites will be much better quality than those offered on free sites.

One last way to find high quality wallpapers is to pay for them. While this may sound outrageous to pay for something you can get for free (water anyone?), there are advantages to paying for a desktop wallpaper. Pay wallpapers are the absolute best quality – in both picture and selection. Another benefit to paying for wallpaper is that the site will probably have virus protection, meaning that you can download with confidence.

As you can see, finding high quality wallpapers for your desktop computer doesn’t have to be a hassle. Just be sure to use common sense and trusted providers, and you will be able to download many exciting wallpapers for your computer!

Shopping for the Right Mattress

Posted in Mattresses on April 28th, 2007

Most people are unaware that their mattress is old and doesn’t provide enough support, doing you more harm than good. If your mattress disturbs your sleep, so that you feel some firm details or even springs under the fabric and cushioning, then it’s definitely the time to it and shop around using mattress ratings and reviews as a guide.

A good mattress does more than providing you a soft comfortable place to rest after the long day or a place to cuddle with your loved one. The right mattress may actually improve your sleep and posture keeping your spine in the right position for seven to nine hours.

If your sleep is worse than it used to be a few months ago, check for signs of mattress deterioration. To determine whether you need a new mattress, take note of any stiffness or sore muscles or joints when you wake up in the morning. Any friction of the fabrics, unusual sounds and if there is a noticeable dip formed by one or two sleeping bodies on the mattress will tell you that the mattress needs to be replaced.

Most mattress ratings consider such attributes of a mattress as thickness, the material the mattress is made of, a warranty, price point and special features such as hypoallergenic qualities, stress-relieving design, and the fabric of the covering. After carefully studying the customer reviews and mattress ratings, this is what most people look for in a mattress:

1. The material.

Organic cotton and soft wool have become very popular among health-conscious buyers. However, cotton and wool mattresses are not treated with fire-retarding chemicals required by law. The mattress should not contain any polyester fillings and should be made of pure wool, preferably lamb or alpaca wool or at least latex foam. The perfect mattress should be dye-free, dust mite repellent, hypo-allergenic and anti-bacterial. Ideally, the mattress should be moisture repellent and flame resistant, too. The mattress should be encased in unbleached organic cotton. Memory foam mattresses are highly rated as the most suitable mattresses for allergy sufferers, but some people suggested that these mattresses become stiffer in a hot climate.

2. The shape.

Firm mattresses provide more support and the most upscale models are doctor-prescribed. In general most reviewers prefer soft and thick mattresses which provide more comfort. The most common wish is that the mattress should regain its shape and should not flatten over time. People highly rated mattresses that are durable and are likely to last many years.

3. The size.

Most mattresses reviewed in mattress ratings are available in twin (single), double, queen, king and Californian king sizes. In general, people prefer to buy a mattress from a manufacturer that offers all imaginable sizes.

Your mattress foundation is also important. Ideally, you should get it from the same manufacturer because it will prolong the life of the mattress. When properly chosen, mattress and foundation will keep your spine healthy and naturally curved, ensuring you have a good sleep and pain-free morning. After a good night sleep on an orthopedic mattress your sleep will become deeper, and you will have much more energy during the day.

Tips on Choosing Discount Tires

Posted in Discount Tires on April 28th, 2007

There is a saying by a famous tire manufacturer Michelin: “So much is riding on your tires.” This is true no matter if you’re driving a sport coupe or an electric scooter. Cheap tires can damage a great car, and great tires can do wonders for a worn out vehicle. Luckily, today, thanks to technological advances, you can buy a great set of discount tires and still be quite happy about them.

If you understand that you have to buy new tires, you have a few options. The easiest way is to buy the exact size and brand of tires that your vehicle had when you picked it at the dealership. However, you may choose to upgrade your tires depending on what driving conditions you currently have or foresee. There are many reasons to change the tires for a different model. While some people look for a new design they may simply change the wheel and use the same tires as before. Some people prefer to wait till they need new tires and then they upgrade for a larger diameter of the wheel and new tires at once.

When choosing your new discount tires you should honestly evaluate your driving needs and habits. If you really want to enjoy your ride, you need to find a reliable discount tire store which will not push you towards the most expensive make, but rather help you pick the brand that does justice to your car while remaining within your budget. The type of the tire also depends on the driving conditions you normally drive in.

Here are some factors you should consider when choosing your discount tire set:

Tread life of the tires will determine how long a set of tires would last. Life expectancy of the tires is estimated by the manufacturer under governmental guidelines after a field testing. The higher the tread life grade, the longer the tire will last.

Wet weather tires are essential if you live in a climate where it rains often. Four-season tires are the best option for wet climates. If it snows often, then you should also have a set of winter tires that you will switch for during the colder season.

Speed rating is an often underestimated factor in choosing the right set of discount tires. In the USA the speed limit hardly ever climbs over 75mph. In Europe the lovers of speedy rides can really get loose, but in North America you can hardly ever need a tire capable to ride over 100mph – even though you will not likely need to drive this fast. Speed ratings show the safe top speed of a tire and are marked with letters, with Q as lowest and V as highest. You can always go for the ultra-performing tire for speedy sports cars, but this quality is something that you will almost never use.

High- or low-profile? Low-profile tires look really stylish but these tires cannot always bear the hardships of the real road with all the bumps and cracks. Plus, with low-profile tires the wheel is getting damaged faster. Higher-profile tires often mean a safer and smoother ride.

That’s the basics on tires, which you need to know before you start looking for a discount tire store, either online or offline. Even if you choose to go discount, it’s really hard to buy a truly awful set of tires. Usually all tires on the market today can be touted as bad or good depending on how you use them and how you drive your car. Be honest with your expectations and choose the best discount set of tires you can afford.

Do You Have Birth Control High Blood Pressure Concerns?

Posted in Health & Fitness on April 27th, 2007

Birth control high blood pressure symptoms can be a problem for women taking certain types of hormonal contraceptives.   The two birth control methods that pose the most risk include the birth control pill and the birth control patch. 

However, not every woman who uses these methods of birth control will experience high blood pressure, as there are many factors involved that generally determine the degree of risk each woman faces.

Nevertheless, the reason why hormonal birth control high blood pressure risk exists, is because these contraceptives contain progestins.  Progestin is a type if drug that mirrors the activity of the hormone progesterone which naturally occurs in the female body. 

It is common for progestin to slightly raise the blood pressure in most women who take hormonal birth control, and it is the cause of high blood pressure when it occurs.

The risk of birth control causing high blood pressure increases for a woman based on the following factors:

 Age – As a woman ages (usually mid 35 and older), her chances of developing high blood pressure increases.
 Duration of use – The longer a woman uses the pill or patch, the greater the chances of high blood pressure occurring.
 Pre-existing condition – Women who have previously experienced episodes of consistent high blood pressure, even only if it was during  pregnancy, are    at a greater risk.
 Family history – Women who have a family history of hypertension could be at a greater risk.
 Obesity – a woman who is obese has a greater risk of developing high blood pressure.

Hormonal contraception is one of the most convenient and effective methods of birth control, but it is a fact that high blood pressure occurs 2- 3 times more frequently in women who take hormonal contraceptives than those who use other methods. 

Therefore, if you take the pill or are using the patch - regardless if you have any of the above increased risk factors or not - have your doctor check your blood pressure every year. 

Should you discover you have developed high blood pressure, you should stop taking hormonal contraceptives and seek out other birth control methods.  Once off the pill or the patch, your blood pressure should return to normal within 3 to 6 months. 

Keep in mind that although you can take hormonal methods of birth control if you have high blood pressure that is being regulated with medications, you will need to have your blood pressure closely monitored by your doctor.  Nonetheless, it is strongly advised that anyone who had, has, or is at a greater risk of developing high blood pressure, use other birth control methods.

The following are safe methods of birth control that doesn’t put a woman at high blood pressure risk:

 Barrier birth control methods – condoms, diaphragm, sponge, cervical cap.  Each of these methods is disposed of after sexual intercourse.
 Birth control injection – DepoProvera is a shot containing synthetic progestin (different from the pill and patch) administered via a needle every three   months.DepoProvera a long-term method of birth control.
 Birth control implant - Norplant is a progestin capsule that is inserted into the upper arm and lasts for 5 years.  An IUD (intrauterine device) is a T-shaped device that is inserted into the uterus (and can last a year or 10 years depending on the type) and is very effective at preventing pregnancy.  The IUD is recommended for those women who are in a long-term monogamous relationship.

Keep in mind that even though the above do not directly impact high blood pressure, the shots and implants do have side effects, and none of the above contraception (including the pill and patch), except for the condom, prevent the transmission of STD’s (sexually transmitted diseases).  Therefore, make sure you discuss your contraceptive options with your health care provider if birth control high blood pressure is a risk factor for you.

Grab your free copy of Paul Johnson’s brand new Blood Pressure Newsletter - Overflowing with easy to implement methods to help you find out about hypertension medication and for information on natural high blood pressure cure please visit Natural Blood Pressure Prevention.