Increasing Your E-mail List With Unique Offers

Almost all organizations know that a profiled customer e-mail data source is a significant resource and one of the most effective promotion sources available these days. However, the process of naturally increasing an e-mail data source can often be carefully slowly, especially if your organization is new to the industry or a company with restricted web existence. Although leasing an e-mail data source is probably the best choice available to organizations looking to arrive at a bigger number of leads as well as increasing their own data source - many organizations need to first begin out with a data source they have started themselves. These members will always stay a first part of devoted members who made the decision to communicate with your organization straight and not through a third celebration participant. Delivering a record increasing strategy through to that usage after it has been recognized will then be even more effective.

Reciprocity

One of the most tried and examined method of gaining new members to your record is to provide them something in come back for signing-up. While this strategy makes apparent feeling, you should put quite a bit of thought into what exactly you will be providing and how you will be discussing it. A fool-proof plan definitely needs to be in place before any discuss of the provide is made - any failing on your organization's part to provide on what you guaranteed will cause to frustrated or even unhappy customers who will most likely remove yourself from record and decrease to back up your product later on.

Think like your consumers

In order to be effective in increasing your optin record, you will need to suss out what it is that is most likely to attention your new prospective customers. Here, it will be useful to take a look at your website and/or blog's statistics to see which material were most well-known and to see what it is that customers are looking for. Once you have recognized their most preferred subjects of attention you can begin to comprehend developing a unique indication up provide based around that idea.

Instant gratification

Don't ignore the power of immediate satisfaction - deciding upon up to your news letter does not provide any immediate advantages for your prospective subscriber, more often than not they will have to delay a few days before they listen to anything from your product. By providing your members something they can immediately accessibility you are attractive them to act on their wish for immediate satisfaction -an age old promotion technique.

Relevance is important

It is very essential that what you decide to provide your new members matches to what it is your organization provides. If someone symptoms up to get a no cost food at a cafe only to get material and updates on electronics later - it is likely that they will not find the information appropriate and they will easily remove yourself from record. The type of program you will be providing your members is determined by your type of company. For example, if you offer an informative item, you could consider providing away a no cost reward section, movie or web seminar. If your organization provides a a assistance you could give away a no cost e-book or talking to period. Actual item suppliers usually stand up best with a down-loadable voucher. The main thing is that you attract customers with something that does not decrease the value of your products or services in any way, but contributes to the item experience.

3 Features of a Excellent Tax Preparer

In any company or company, accounting, auditing and economical confirming is very essential. While there are several organizations which can offer top quality accounting solutions, there are still some companies who choose personal organizations. While there are some who think this might be a wrong choice, there are actually some excellent reasons why choosing a tax preparer works. This article is designed to talk about the benefits of choosing solutions from an personal specialist.

Privacy and Customization

While a lot of organizations really like working with accounting companies, many company really like for their economical dealings to be personal. And when we say "private", this implies that only a few individuals know about the position of their financial situation. Usually, companies who value security seek the services of a couple of accounting companies for auditing and economical writer and a tax preparer to data declare their charges. Most entrepreneurs want to cope with individuals with the interest and relationship they can believe in. It is then easier to personalize confirming as well as economical accounting via different software available.

Comprehension and Expertise

A lot of entrepreneurs are satisfied with the abilities and expertise of a tax preparer. Aside from that, they are able to understand guidelines easily. They are also able to communicate essential economical concepts and concepts fantastically which makes it less difficult for a entrepreneur or an company innovator to reach a audio choice. Some company control and company treasury usually seek the services of the best of their areas for appointment to be able to reduce costs and save up from their benefit.

Reliability and Credibility

Many entrepreneurs respect tax preparer as the best individuals they have proved helpful with as they are very efficient in various accounting company and control projects. Aside from that, these organizations have the abilities and expertise needed for very complicated fiscal reviews. They have the abilities and the tolerance to think through various indicates to be able to effectively provide the specifications of fiscal reviews.
All in all, it is not only the location that places these Florida personal organizations from others.

They have the experience and the information of the area that can take your company a long way. Getting a tax preparer who provides accounting and auditing, tax planning and planning, pay-roll, accounting and company advisory solutions is definitely a lot. This just shows how efficient and qualified these accounting companies are and how they value the service they provide to their customers.

Instant Money - Real Estate Investing

Make, "Millions in Real Estate." Become Wealthy while staying at home after reading my Book, "How I skimmed the suckers out of $100.00 per copy." Oops, wrong headline... No Experience needed, "only a credit card." Join Thousands of other people just like you who are "Making Fortunes in Real Estate." Don't Miss out on the next," Gold Rush" That is happening right now! Where? In REAL ESTATE DUMMY! I think you get the Idea. More and more articles, books, and cd's are coming our way on TV, Radio, Internet, billboards and roadside Bandit Signs all SCREAMING out the Message that you can make lots of money investing in real estate... Right Now... All suggest an urgency that you should get on the bandwagon before it's too late... Also personal appearances' by Various Real Estate Gurus and famous people all willing to share their secrets on Making Big Bucks, FAST, - as long as you are willing to open your wallet and let them have a little taste of your cash. So, I decided to cash in on this real estate Boom while there was still time for me to get rich. After all if these people I'm hearing about are making all this money, often with no credit or money down, why shouldn't I get me some? Indeed, don't I owe it to my family to make as much money as possible while these opportunities abound? If the current economic situation would change, I would be left out in the cold having missed the chance of a lifetime.
I think you get the idea and perhaps, you've had similar thoughts about getting in on this,"Bonanza." There definitely are a bunch of people making lots of money in real estate today and the ones who are leading the Pack are the ones who are peddling their secrets about How to Get Rich Quick. Well, after trying out some of the methods I would read about or hear about from the,"Real Estate Evangelists," I discovered that Yes you can make money investing in real estate but you better know what you are doing or, the chances are, you will get skinned and lose the money you set aside for this once in a lifetime opportunity and, as an added bonus, blow your credit.
What I am telling you is that there is a learning curve in real estate that needs to be learned before you can start making wise investments and learning this curve will cost you Money and Time. Take foreclosures for example; What I hear from various Gurus is this is great way to make quick money and get a property with lots of equity. And that is true if there are no title problems, no current liens still on the property, no serious construction issues such as foundation problems, termites or other insect issues, no back taxes owed local or federal, no mud taxes and, god forbid no heavy issues with the authorities or the Home Owners Association. Another issue which can bite you is hidden legal problems such as a survey which is not accurate or has not been recorded along with the title in a timely manner. In my quest for wealth and fame I have encountered all of the above mentioned problems and had to really scramble to get them corrected. This cost me time and you will learn very quickly, as I did, that in the Real Estate Game, Time is Money and the clock can tick very fast.
Well, I thought, maybe buying foreclosures have too many potential problems, so I will try flipping houses. The Gurus are quite clear on this and they told me I could easily do this with no money down... Well if you ever tried to buy a house from a seller with no pre-approved credit and nothing down, you might notice, as I did, that after they stopped laughing the real estate sales people handling the house were not very interested in showing the house to me or tying up the property for $10.00 unless I could show them proof of funds.
As I kept hearing about the fast money being made by investing in properties I thought there must be a better way of investing in real estate, which I don't know, and I had better learn how to do this before my cash runs out. So I joined a Real Estate investment cub to learn the ropes. And did I learn. I learned that I needed to watch myself and my money very carefully as there were some very experienced people in there and they were sharks waiting for the new fish to show up. I met a so called real estate investor who was the past president of the club. He specialized in getting new people to work for him for free under the guise of training them, and even got some to pay him for this learning experience. He would have these new fish print signs saying," I buy houses;" at their expense and place these so-called bandit signs at major intersections, which in some cities could get you a $440 fine. That was his formula for making money, get others to work for him for free and throw them a bone if they bring him a deal he likes. He was a past president of the club, and as far as I know is still gulling the new fish with this formula.
So, What is the bottom line to my Rant?? There is no quick easy money. Put those dreams away for another day. Yes, Money can be made in real estate, if you take the time to learn the basics and be very selective of whom you listen to.

I have paid my dues learning about Real Estate and hope this article prevents you from making some of the errors I did and the loss of money I have experienced by believing in some of these Real Estate Evangelists. With my extensive construction background I found out that I still had a lot to learn regarding the basics of investing in real estate.

Understanding New Strategies for Supplier Risk Management

The growing information field related to Supplier Risk Management relates to the highly variable business conditions that people building an inventory face, as well as how fragmented this very broad field has become. It relates to everything from outsourcing to globalization, because stock can come from any source around the world. It might be that a company owns a factory or shop in a foreign country, or it might depend entirely on third party providers.
Making a supplier selection based on a desire to reduce liability can be a challenge, and really depends on having expert advice related to each industry. It might be possible that an overseas location would provide cheaper labor, but that the quality would be inferior. Another variable would be the cost of shipping from a long distance.
The price of oil tends to fluctuate, and virtually all container ships burn oil at a predictable rate. Rising oil prices could eat into profit margins. It is therefore important to estimate potential changes in expenses. Sea shipping also has a small chance of cargo loss, although that possibility is acceptable compared to the more expensive option of aircraft transit.
This is a simple example of risk management. A company has several options when it comes to shipping, with sea traffic still being the cheapest. The airport is much faster and safer, but also more expensive. A large part of supplier management is just basic accounting practices and foresight. Research can easily eliminated the unexpected. Asking someone experienced is also important.
Supplier selection is all about knowing how the other company operates and what their strengths and vulnerabilities tend to be. It is good to know their long term performance history. It is just as important to learn the geopolitical situation of their base of operations. What country they are in can influence continuous supply.
An older company that has performed for customers in the past will likely perform for you. Your inventory will just be one more order serviced by a well greased machine. This is logical. On the other hand, sometimes even the best companies can endure financial hardship. If a great deal of money rides on the success of this arrangement, it pays to do digging and look at their viability.
SRM is at the same time an intuitive and difficult field. Choosing the right supplier follows basic logic, but there might be additional details to consider. It might be in the obscure facts that important considerations lie. A real specialist has been around the block and knows what to look for.

Expert Tips On How To Fix Straight Eyelashes

Asians usually have short, sparse, very straight eyelashes, that do not like to hold a curl. Lashes that don't curl are primarily due to a lack of a double crease. The monolid forces lashes to grow straight down. Plus, the lid covers the base of the lashes making them look shorter than they are.
Here's the tips from beauty expert and also a celebrity makeup artist, Taylor Chang-Babaian, and see what she has to say about it.

Tip 1: CURL YOUR LASHES EVERY DAY
Babaian says with daily use of the curler, "you can actually train your lashes to curl." Initially, lashes are more resistant to curling, so you may have to hold down on the curler longer for the first few weeks. But she says eventually they will learn and you'll see a difference, so don't be discouraged after the first few times and continue to curl dutifully.

Tip 2: CURL TO OFFSET UNEVEN EYES
Sometimes, women can have one lid that has a crease while the other doesn't, which causes one eye to look bigger. Babaian says curling the monolid's eyelashes more will help even them out. "When you curl your lashes it puts weight into the base of your lid and it'll actually push your eye open," she says. "It makes a humongous difference.

Tip 3: THE TOOL MATTERS 
She says, "If your lashes go straight down, the key is to use a great eyelash curler." She recommends curler that's wider, which "I like even more. This is great especially for eyes that are longer like a lot of Chinese eyes are." Also, since the curler is less curved, it better adheres to the flatter lids that are common among Asian women, helping to grab the entire range of lashes.

Tip 4: WALK IT OUT
To avoid the L-Shape, "make sure to walk the curler out" by starting at the base and holding it there for 10 seconds, then a shorter hold in the middle and then at the tip.

Tip 5: CHANGE CURLERS FREQUENTLY 
"If you see a line in the black rubber, you gotta toss it," says Babaian. "This is really important otherwise it will cut the lashes." You're supposed to switch out the rubber tip every three months, but "if it's indented at all, toss it."

Tip 6: WEAR MASCARA
The moment you finish curling your eyelashes, they'll start to fall. Mascara acts as a sealer, so you should apply mascara immediately after curling. "I've worked on thousands of Asian women, and when you curl your lashes and wear mascara it actually helps push the eyelid up. It puts weight on the lashes and lifts the lid," Babaian says. You can also opt to wear a mascara base, but be wary as sometimes they can be too heavy which will make your lashes fall. Find something that helps freeze the curl and also thickens lashes.

Tip 7: AND MAKE SURE IT'S WATERPROOF 
The most common complaint among women with straight lashes is how mascara smears onto their lower eyelids. The solution? Wear waterproof. "If it's smearing you're using the wrong [mascara]. You just have to wear waterproof," says Babaian. Waterproof formulas are lighter and have a drier consistency, so the lashes freeze in the curl quicker, which is key in maintaining the curl.

Tip 8: BREAK A CARDINAL RULE
If after meticulously following these tips, your lashes still refuse to hold a curl, Babaian says you can break one of makeup's cardinal rules: Curling your lashes after applying mascara. If you're not careful, the curler can get stuck onto your lashes and pull them out. You must make sure that the mascara is completely dry and not sticky before gently giving a squeeze. Babaian admits this is a common makeup artist practice.

Letters of Recommendation for Business School

I'm starting a new feature on my blog where I answer reader's questions. I try to reply to everybody's email directly, and if the question can benefit others, then I will post it on my blog as well. So let us begin:

Q: What is your take on letters of recommendation for applicants (particularly military)?
-- Captain Dan in Iraq

A: As always, I will begin with the caveat that I don't have secret admission knowledge and that all my answers are purely my own speculation. I'll answer this question generically first, and then add some specifics for military applicants.

Unlike most schools, HBS requires three letters of rec, not two. There is no such thing as an ideal lineup, and every applicant is different. However, generically speaking, if I could have my dream recs, it would be the following:

1. Direct supervisor
2. Academic reference
3. Leader from a non-profit organization or any organization outside of your profession

I would consider this as a very strong lineup and let me explain why. The HBS application is relatively short. Every essay, every letter of rec, and every sentence should be used to complement and add to your application. Therefore, for example, three letters from supervisors may be redundant (i.e. he's a great worker, brilliant employee, visionary leader, etc.). Ok, got it, and reinforcement is always good, but I think that a deeper picture is more important than reinforcing existing expectations/assumptions. I believe that presenting yourself as a multi-dimensional and multi-talented candidate is more important than reinforcing your professional accomplishments. However, this doesn't mean that every letter of rec should present a totally different strength or side of your personality; rather, it should show how your focused strengths and abilities are manifested across diverse settings. The exception to this is if you are trying to break out of a pre-conceived expectations (see my HBS 2012 essay post for more on this) and are really trying to focus on one specific aspect of your personality. Let me discuss each one with a little more detail.

1. Direct supervisor

If your resume is already packed with great professional accomplishments, one letter of recommendation from your professional circle might suffice. It should bring to life some of your accomplishments and reinforce your claims with a human touch. It should also breath some life into an otherwise unemotional resume list of accomplishments.... such as how your personality enabled those successes. As with all letters of rec, it should reinforce the strengths and weaknesses that you are presenting throughout the application.

As far as direct supervisor versus peer recommendations; take the best recommendation you can get, but direct supervisor probably trumps a peer all else being equal. Anybody can get a recommendation from a peer saying he's the greatest thing since sliced bread. A direct supervisor is more difficult, and he also sees you from a more professional point of view, so if you can swing it, I think it's better. What about direct supervisor versus non-direct supervisor from higher within the organization? I would say that all else being equal, the higher ranking (and experienced) the recommender the better... however... the more separated somebody is from you the less detailed and genuine the recommendation tends to be. The latter (detailed and genuine) is too important to compromise, so don't sacrifice those just to get a more impressive title at the bottom of the letter.

2. Academic reference

This may seem most relevant to those just coming out of undergraduate, but I believe it applies to all. An example can be a professor or a supervisor of your research. I believe it's actually most beneficial to older applicants who need to show how much they value their academic record and that they have not outgrowned their scholastic interests in life. If anything, younger applicants could use more of the other two types of letters of recs (assuming a strong academic record).

3. Non-profit or non-professional organization

The trickiest part for most people will be the third letter (outside of school and outside of work - as I have artificially defined it). People heavily immersed in creating a strong professional track record often don't have the time to also establish a strong reputation with a non-profit or non-professional association worthy of a serious recommendation. However, such a letter of recommendation could really add to one's application. The difficulty of achieving this speaks to its advantage in differentiating the applicant from others who only have business related letters of recommendation.

In general...

Think of the letters of recommendations as three shots across the bow of business school. They are not to be taken lightly and I believe their importance may be underemphasized by some applicants. Each one should have its own message and should reinforce a dimension you are trying to send to the ADCOM. If you have a weak academic record but strong professional accomplishments, consider getting two academic letters of recommendation. If you have a really strong professional record but weak extra-curricular activities, you would probably benefit from having a letter from an outside organziation. If you are a non-profit guru with strong social work background, perhaps letters of rec from supervisors highlighting your direct business skills and potential would serve you best.

The above list of letters are just a generic solution to the world's most perfectly balanced applicant - who probably does not exist. You have to carefully pick and choose your letters of rec to support your own strategy and the message(s) you want to send. Don't forget to also consider how good of a job your recommender may or may not do for you. There are people who may love your contributions and speak highly of you, but are not the most persuasive authors.

For schools that only require two letters of rec, your combination of letters is simpler, but the strategy should still be the same.

Military appplicants...

Military applicants have probably been deployed at least once or twice in the past few years... and are probably lucky enough to have sustained a relationship with a spouse or significant other, let alone with a worthy non-military organization from which to solicit a letter of rec. This is why it is such a great supplement to your application. Many military applicants may only have letters of rec from supervisors, and I am proof that it may be ok. My three letters were all from previous and current supervisors (two O-5s and an O-4). I didn't have the scholastic reach to warrant an academic letter of rec, and I certainly haven't been home enough to be seriously involved with an outside organization. My purpose and sole focus in life was to train my soldiers, lead them in combat, and bring everybody home alive. I made no apologies for not having much free time outside the military. However, if you can somehow swing a balance, I think you will be that much better off.

Tips For The Best Affordable Accommodation In Cities

Finding the right accommodation
If you are on a tight budget it becomes very important where you stay, what your accommodation costs are and the type of accommodation available within your budget
As a tourist or traveller in any new city your goal is to see and enjoy as much as you can within your allocated budget and the time you have, get to all the places that interest you and participate in the local flavor that the city and its inhabitants has to offer.
If you are interested in saving money on accommodation but still want the comfort and convenience of accommodation based in the heart of a city, then it pays to look around. Most cities will have a large choice of accommodation depending on where you want to stay and what your budget is. Fortunately, there are many types of accommodation available to the budget traveler that is affordable, comfortable and situated right in the centre of a city. By making savings on your accommodation you get more to spend on fun and other activities.
When you are looking at the different options for accommodation make sure there is plenty of variety in what they offer. Sometimes you will be travelling on your own and just need a single room, or you may be travelling as part of a group and want to stay together - so you will need a hotel that has the capacity to accommodate groups.
A good budget hotel welcomes and provides accommodation for all types of travelers, whether you are traveling for business or pleasure. Most hotels feature a large variety of rooms for single and couples so you can find something suitable for your needs.
With a good budget hotel you will often find they offer several luxuries like a good restaurant and bar for their guests convenience - a good idea if you want a quick breakfast before you head out for the day. If you prefer to have your meals at the hotel most places offer room service for evening meals or a great choice at the on-site restaurant.
As most of us communicate by email while we are away on holiday you will find most hotels offer a business suite and also provide free wireless internet. This is great if you are away on business and you need to use these facilities to keep in touch with people.
Getting Around Easily
Any new place is exciting and you can't wait to leave your hotel and get out and look around to find places of interest.
But before you do make sure you have a business card or the address of where you are staying. It's so easy to get caught up in the excitement of a new city and get lost - next thing you are unable to find your way back to your hotel!
It may sound silly but there are many stories of people having trouble finding their way back to where they are staying, or even remembering the name of it! This tends to happen more when you are on the road a lot and staying at a different location every few days.
The next thing to do is get a good map of your local area, preferably one with all the important landmarks showing.

Get Beautiful With Organic

Do you really know what is in your skin lotion or shampoo? One of the number one ingredients in these beauty products is alcohol. And what does alcohol do? This ingredient strips your hair and skin of the important oils they need to stay healthy. What most people don't realize is that these beauty products that promise healthier skin and hair only causes more damage. Alcohol is the worse thing you can put on your body unless it is to cleanse a wound. If this isn't a reason to try out organic lotions and other beauty products then I don't know what is.
With an organic lotion, you don't have to worry as much about having a bad skin reaction unless you are allergic to one of the all natural ingredients. These ingredients include honey, raspberry, seaweeds, algae extract, and tons more. Each and every one has a special use for your body and people have been utilizing them for thousands of years. What's more, can you imaging being able to purchase these organic lotions with exactly the ingredients you want?
We offer you the ability to pick and choose what you get in your lotion. Perhaps you want a great exfoliation, or you may just want something that works great on a sun burn. What ever your needs, our products can fulfill them. We are dedicated to staying green with our products in order to keep you healthy and the environment. And what's more, you don't have to spend an outrageous amount of money. Our wholesale beauty products are a lot less expensive because we deal in bulk every day so you don't have to.
We don't believe that you have to be rich to have beautiful and healthy skin. This is why we strive to keep our prices low. And this is just one of the reasons to choose us as your organic beauty supplier. Another reason is our experience. We have worked for years in finding the best products to use and the best ingredients. You can be sure that we are very versatile in what we offer. Moreover, we don't just offer organic lotions.
Our products range from lotions, bars, shampoos, and more. Now you can give your beauty product collection a face lift. Don't settle for products that are full of chemicals you can't even pronounce. Throw out your off-the-shelf creams, lotions, and soaps, and prepare yourself for the ultimate in organic beauty treatments. What's more, if you are really into beauty products and would be interested in selling your own, you should check out our affiliate beauty products program.
Make your friends green with envy while you sell them the best organic products at affordable prices. Why stop at just pampering yourself when you can share the secrets of organic beauty care. Come and check us out on the web to learn more. Either way, when you purchase our products you can rub it in without worry and get that beautiful skin that you so deserve.

7 Powerful Ways to Stop Hair Loss

Hair loss is common and widespread in both men and women, especially as people age. You don't have to just face it without doing anything. There are plenty of preventative measures you can take in order to be proactive. Continue reading to find out more information, and use these 7 powerful ways to stop hair loss.
One preventative measure you can take is to change up your diet. Quit eating all the processed foods high in sugars, bad fats, and carbohydrates. Instead, eat a diet that includes all the food groups so that your body gets the right nutrients and vitamins. This ensures that your body stays healthy overall and that your hair stays healthy individually also. Eat plenty of fruits and vegetables, and make sure that you eat healthy fats, which are good for your skin and hair.
Sometimes hair loss can be caused by a separate medical condition that you might not even know you have. Or, you can be taking medications that are causing your hair loss as well. Make sure you speak with your doctor because he or she can tell you if this is the case with your condition. Wearing hats or other things on your head too often can cause hair loss as well. This mats your hair down, and it also can break hair. Hair needs to be treated gently as much as possible. Don't keep hats off your head permanently if you like to wear them, but just don't wear them all the time.
If you have hair care products in your hair throughout the day, you need to be sure that you wash your hair at the end of the day to get rid of them. Leaving them in overnight will damage your hair, and this will cause hair loss. You need to be using all-natural shampoos and conditioners on your hair as well. These are usually high-end, but they are worth the money. Don't just take their word for it either. Make sure you look at the labels, and you can even speak with a dermatologist for recommendations too. Maybe someone you know has already checked into this, and you can get the recommendations from him or her.
When you get out of the shower, are you immediately drying your hair with a towel? This is abrasive to your hair, and you need to let it dry naturally. This means no using blow-dryers either. This is harmful for your hair, and it can cause your hair to be damaged and fall out. You can wrap a towel around your hair, but make sure that you're being gentle. Also, don't immediately start brushing your hair while it's wet. This will also cause your hair to fall out as well.
If you are a woman that likes to pull her hair back or put it up in different hairstyles, make sure that you're not too rough with your hair. Pulling it back too tightly will not be good for your hair. You want to be gentle, and you want to make sure you're not abusing your hair. The hair brush that you use needs to have hard bristles. Does anyone remember when your mom used to brush your hair as a kid and you would want to tell her to stop because it hurts. Many people love using soft bristle brushes, but they're not good for your scalp. You don't need to do it as hard as your mother did, but you do need to revitalize your scalp.
Make sure you're eating a well-balanced and healthy diet and drinking plenty of water. This is very important. Think about it! If you need a healthy diet so that your whole body stays healthy and can fight against diseases, wouldn't it be the same thing for hair loss? Eat plenty of fruits and vegetables, and make sure you you eat all food groups in a healthy way. The balanced diet and a good vitamin will give you everything your body needs all the way around to stay healthy. In order to keep your skin and scalp healthy, you also need to make sure you're adding plenty of healthy oils to your daily diet. Omega fish oil is good, and eating plenty of healthy fish choices for meat instead of red meat all the time will help do this for you.
There are things you can do besides just brushing your scalp to help you have good scalp circulation. One thing is to gently massage your scalp with your hands. You don't want to do this in a bad way to where you disrupt follicles and pull hair out consistently. Also, getting plenty of exercise, (another thing that keeps you healthy overall), will help your scalp have good blood circulation as well. Do you see how everything as far as your health is tied together?
Stress may also causing hair loss
Stress is also known to be a cause of hair loss. Most people are very busy and also do not get enough sleep. Worry and tension due to work or family situations will definitely contribute to hair loss. This stress factor is often not recognized as a cause or, if it is, people may feel there is nothing they can do about it. But that need not be so. Setting aside a time each day to relax, to meditate or listen to music that melts away your cares, can help restore a calm and happy state of mind. It is important to do this before sleep. Going to sleep while feeling tense, unhappy, or in turmoil over unresolved conflicts will seldom lead to a deep, rejuvenating night's sleep. Your hair follicles need this restorative rest just as much as the rest of your body. Stress, if not relieved, can lead to a notable increase in hair loss.
Traditionally, hair loss has been a condition that people just accepted because they felt there was nothing they could do. However, whether it's already started for you or you're trying to keep it from happening, you need to remember the tips you've read in this article. There are many things you can do to help out your situation, and you definitely shouldn't just take what comes. Do what you can, and start stopping that hair loss today.

Ensuring The Success Of The Risky Plan in Cosmetic Surgery

With the increased improvement of facilities and technological advances that are being made every day, very many procedures are being undertaken and successfully so. In the end, this will mean ultimately that more options can be explored in saving and enhancing life.

It has often been thought that many cosmetic procedures are simply expensive surgeries performed on people who are dissatisfied with who they are physically. There could be some truth to this, but it is also worth noting that there is an equal number, if not considerably more, of people who through unfortunate incidences have had their bodies affected and damaged.
One such common procedure is liposuction, which involves removing excess fat cells from the areas they accumulate, in this case, the abdomen. Cosmetic procedures in this light have sought to restore a sense of normalcy to such patients.
To achieve this, it is important to make sure that the physician is recognized among the board of certified plastic surgeons. This is often because a good cosmetic surgeon ought to have qualifications as a plastic surgeon.
The following are some of the considerations that must be taken into account when settling on a particular physician for a cosmetic procedure:
- The best cosmetic surgeon is actually a certified plastic surgeon. This is because they are not only able to carry out the cosmetic aspect of the treatment, but they are actually trained in surgery procedures as well.
- Plastic surgeons are better able to make use of a wider variety of treatment plans and are not bound to the provisions made available in the hospitals alone. This means that the patient is able to recover much quicker from all the varied treatment options availed to them.
- In the unlikely event that a complication or emergency occurs, a plastic surgeon is in a better position to know what to do as this too is part of the training they receive.
- A plastic surgeon by training is well vast with the surgical procedures that surround the face and body; they are trained to understand the mechanisms that govern the workings of the organs and therefore are able to consider a lot when treating a patient.
When it comes to the tummy tuck however, it may tend towards the enhanced appearance as opposed to a life saving procedure. Following liposuction on the abdomen, the result may be a large mass of skin is left once the fat cells are removed. This is often because skin is elastic and would stretch to accommodate the new fat cells as they are produced. Now that they are missing, the skin may be unable to retract, forming a loose and flabby part of skin on the area that had the procedure. The process of seeking to remove this unwanted flab is there actual tucking away of the flab.

Hair Rebonding

Hair rebonding is a revolutionary permanent hair straightening system that makes the hair pin-straight, soft, smooth, silky, and shiny, with little or no damage to the hair. The cost for this treatment depends on the length and thickness of the hair, and of course, it's pricey. I just had my second time hair rebonded recently at Cutting Edge, a local hair salon and academy at The Spring, Kuching. The reason why I want to do this is that my hair is frizzy and it makes me look untidy. It is the dream of all stylish women to have beautiful hair and one of the most happening fashion trend followed by the girls of the present generation. It was a tiring experience because it took me almost 5 hours to get my hair done. What impressing me is that this salon is using L'oreal product only on their clients! What I've noticed about this salon is that they always ensure only quality hair care service to their clients. Their stylists' are trained to provide only excellent artistic touch; giving every client a chance to make change and express themselves.

My hair after rebonded

In the end of the session, the hair stylist introduced me L'oreal Professionnel Tecni Art Liss Control - Smooth Control Gel-cream (picture below). This cream is ideal for smoothing unruly hair, 24 hours anti humidity protection, and UV filter. In other words, it is to control my frizzy hair, especially my highlighted hair area. That part of my hair didn't get rebonded because it damages my hair by using the chemical for rebond treatment.

Ingredients:
Aqua, C13-16 isoparaffin, propylene glycol, dimethicone, peg/ppg-17/18 dimethicone, potato starch modified, phenoxyethanol, carbomer, behentrimonium chloride, hydroxypropyl guar, polyquaternium-4, aminomethyl propanol, methylparaben, amodimethicone, benzophenone-4, hexyl cinnamal, linalool, trideceth-12, limonene, geraniol, butylphenyl methylpropional, citronellol, cetrimonium chloride, parfum/fragrance.

Modern LED Light Fittings and Its Advantages

The LED light fittings are among the most innovative technological developments that has benefited the human race in many ways. Compared to the incandescent light bulbs, the Light Emitting Diode bulbs are largely effective and economical. It is used for a wide variety of purposes in various fields. It is used in various home applications, commercial purposes, decorative purposes, street lights, indication lights and so forth. These are ingrained with a huge number of beneficial qualities which explains the reason for its widespread usage in many places.
Latest Trends in LED Light Fittings
There are a variety of LED bulbs and fittings available in many of the online stores at various price rates. Some of the latest trends in these fittings which are available in the online stores include spot lights, color changing lights which are used for decoration purposes, stair, foot, outdoor fixtures, blitz, wall, under water multi color, flood, portable and so forth. All these varieties of led fittings can be bought from online stores.
Some of the most important benefits of the Light Emitting Diode fittings include the following.
Durable: These are known to be long lasting and efficient compared to the incandescent lights. It is expected to light for more than 50,000 hours.
Eco-friendly: It is also known to be environment friendly as it hardly contains any toxic substances. Unlike the incandescent lights, these bulbs do not contain mercury or any harmful substances. As it seldom emits heat, it lessens the effect of global warming caused due to heat dissipation into the atmosphere.
Power Saver: These consume less energy compared to the fluorescent lamps. The incandescent bulbs consume a huge amount of power while lighting up rooms. The Light Emitting Diode bulbs have been invented to reduce the amount of power consumption. As there are no filaments in the Light Emitting Diode bulbs, energy is utilized to produce light. It is therefore known to be economical as it helps to save energy to a large extent.
Cost effective: Compared to the incandescent lights, the LED light fittings are cost effective although these fittings are quite expensive. But these bulbs and lights seldom require replacements and lasts for a considerably longer period of time. Moreover, these light fittings include standard features which make it easy to replace and install.
As the LED light fittings include a variety of advantageous features it is used for various purposes. These fittings are available in different sizes and colors to suit different purposes. The Light Emitting Diode bulbs are used in indoor gardening as it provides necessary heat required for the growth of plants.
Due to its versatility, it is used for outdoor lighting purposes such as landscape lighting, street lighting and so forth. It is also used for decorating homes and commercial buildings as it is efficient and consumes less power. Moreover, these lights are available in a wide array of colors.

Choosing the Right Replacement Light Bulb for Your Needs

When planning a new lighting layout for your home, it is important to take many different factors into account. Besides simply how bright you want the area to be lit, a savvy homeowner must include other factors such as indoor/outdoor lighting, lumens, wattage, and even environmental impact to choose the correct methods and techniques for your lighting design.
When it comes down to it, it's all about the bulbs. The bulbs that you choose for your lighting design will have an immense impact on the sustainability and effectiveness of your lighting. There are three major types of replacement light bulbs; incandescent, fluorescent, and LED. The following is a quick rundown of how each bulb type can be utilized to light your home.
Incandescent
Incandescent bulbs are what many people think of when they imagine a basic, residential indoor lighting bulb. The light is generated from heating a filament wire to high temperatures. Typically, incandescent bulbs last fairly long, but the problem with them is that they are costly in the long run. Incandescent bulbs require around 60 watts of electricity to produce light, making it exceptionally expensive when stretched over time. This is far more than any of the other modern options, although an incandescent bulb contains no mercury and is RoHS compliant.
Finally, the biggest downside to an incandescent replacement light bulb is its carbon footprint. Incandescent bulbs typically release around 150 pounds of CO2 into the atmosphere each year, far more than any other bulb allows.
Fluorescent
A compact fluorescent lamp (CFL) is a great replacement light bulb to phase out incandescent. Typically of a similar (or even cheaper) price, CFLs are great for lighting systems that need to save cost without a heavy investment. CFLs use about a quarter of the energy consumed by an incandescent bulb in the long run, and are just as bright for about a third of the cost.
This is not without some hazards however. CFLs contain mercury, which is hazardous to the environment. Though CFLs emit far less carbon dioxide each year compared to incandescent, they must be disposed of responsibly through a special program. Also, CFLs are more sensitive to temperature and weather conditions. They become a heat and fire hazard if in extreme temperatures for too long; so keep that in mind when considering outdoor lighting or landscape lighting use.
LED
Light-emitting diodes (LED) are special bulbs that use a cluster of smaller LED chips to emit waves and color characteristics. LED lighting beats out the competition in just about every sense. They are highly durable, require a tenth of the wattage that incandescent bulbs need, and emit almost zero btu's of heat while they work. LED lights are environmentally sound, contain no mercury or other harmful materials, and release only about 15 pounds of CO2 a year.
The only downside of LED lights is that they are expensive at first. LED replacement lights involve a considerable investment that essentially updates your entire lighting system. Once the installations are implemented, however, price drops to costing fractions of what other lighting systems cost in energy usage, per year.

The Fastest Way To Get Rid Of Body Fat

Is your body fat getting the best of you? Accumulating body fat is a condition that is unlike most others you will experience. It can be annoying. The reason is, once your body starts accumulating fat, the world will notice. Fat in your body usually deposits in visible areas such as your hips, buttocks, arms, neck, breasts, chins, thighs or ankles. Wherever it chooses to settle, you can be assured that people will notice this fat in your outer body.
Body fat solutions
There are natural ways to get rid of excess fat, but they may not always be as effective. Diet and exercises do not always work as well. Most people will either have a hard time sticking to a diet regime or fail to keep up with their exercise routines. In worst-case scenarios, there are men and women whose bodies simply do not respond to diet programs or exercise routines.
In such cases, they may feel the need to want to give up on their weight problem. However, scientific discoveries now allow you to get rid of your fat through surgical ways. This is by Liposuction.
Surgical fat reduction
If you want to reshape your body and get a way to do something with your excess body fat then surgery may be the option. This body contouring method will shape you into your desired physique. It is a type of cosmetic method using surgery
Cosmetic surgery for body fat may painful recovery process since the body will be in aching. One has to be sure that their motives for the surgery are right. For instance, you should not use this surgery to solve cellulite problems or to cure obesity. Some of the solutions for excess fat are contributed to by bad habits. The main reason for getting body reduction through surgery is to
· Getting rid of ''love handles' or fat deposits in the body that make people look big and with sagging skin.
· Medical solutions to those who are threatened by their weight and are unable to use exercise or diet to reduce their fat.
· Improve sexual intercourse since a lot of fat can interfere with ones access of the vagina while in intercourse.
For the best results out of any diets, exercise routine or even from surgery, it is better to seek medical advice. Research can also be carried out on the risks of surgery so that you are assured of the best results before you settle for any one of these solutions.
At the end of the day, your health is imperative and it is necessary to make sure you choose first what is best for your body more than what is best for your appearance.

Pushback, and pushed back

Opposition to the Revised Exposure Draft (RED) of the lease accounting standard is starting to build. Asset Finance International is reporting that the FASB's Investors Technical Advisory Committee (ITAC), at a meeting on July 24, unanimously disagreed with the boards' new approach to lease accounting, though the committee split three ways on their preferred methodology (capitalize all leases using the current methodology, use the new SLE (straight line expense) methodology for all leases, or keep current accounting but with more disclosure). "At the meeting FASB chairman Leslie Seidman acknowledged: 'I can hear that none of you think that we got it right.' "

Bill Bosco, a well-known leasing consultant and member of the boards' Leases Working Group advisory group, sent the boards a letter disagreeing with the proposals as well, though for different reasons. He is particularly concerned with the disparate treatment of equipment and real estate leases.

ELFA, the primary trade organization for equipment lessors in the U.S., has also weighed in with an unsolicited comment letter to the boards. They had been broadly in favor of the idea of revising the lease accounting standard, particularly to put leases on the lessee's balance sheet, but now are considering withdrawing support of the proposed standard, primarily because of the standard's presumption that virtually all equipment leases are essentially purchases (and thus merit finance lease accounting).

The boards are meeting this week to discuss sale/leaseback details (in particular, how to coordinate lease accounting with revenue recognition accounting to make them as consistent as possible), as well as handling impairment of SLE leases, whether to allow another systematic basis other than straight line, whether finance vs. SLE classification is subject to revision after commencement, and how to handle classification of a sublease.

The documents posted for this week's meeting indicate that the delivery date for the RED has been pushed back to first quarter 2013. It was previously expected in November.

Don't Forget The Wedding And Engagement Ring Insurance

Getting married is one of the most important events in our lives. Marriage signifies the commitment you make to that special someone; the person you have decided to spend the rest of your life with and with whom you may start a family of your own. Because this is such an important time in our lives it makes sense that it comes along with a few other important details like the wedding itself as well as the wedding and engagement rings.
Wedding Insurance
Because the wedding itself is such a big event more people are taking out wedding insurance policies. If you are unfamiliar with this it may sound a little strange at first, but for many people it makes a lot of sense. This special day is often planned a year or more in advance, if there is an unexpected accident or illness and the wedding needs to be canceled you can lose a lot of money in deposits that were used to secure everything needed for that day.
A wedding can be quite expensive and if you have a particularly large event planned you may want to do what you can to protect that special day. Wedding insurance can often provide protection from a variety of problems that can occur with the various vendors that are needed on that day, from catering to photographers.
Engagement Ring Insurance
The rings are not simply an attractive piece of jewelry but a symbol of the never ending love and commitment between the married couple. Of course the engagement ring in particular has become particularly important. After all it is a beautiful piece of jewelry, one that will be worn everyday for many years to come, and a symbol of love and commitment.
The husband to be often spends a great deal of time and effort and money to find just the right ring. Once the perfect ring is found and purchased it is important to protect it with insurance. A homeowner's policy will cover a certain amount, but likely not enough to cover the full ring. You can add a rider onto your homeowner's policy, but make sure you take the coverage with you if you move to a new home together after getting married.
Another option is to take out a separate policy to cover the ring. There are jewelry insurance companies that specialize in this, or you can use the same company you use for your other insurance needs.
Planning a wedding and planning to change your lifestyle can create some chaos for a while. There are so many things to plan and of course there is still your day-to-day life with your regular responsibilities. But don't forget to protect the important parts of this special union.

Nail Art Pen and Brush

Recently, I found a nail polish that comes with nail art pen at a local store here. It is called In 2 Nails - Nail Art Pen & Brush in black colour. It's for painting and drawing nail art designs.

Here's a quick review about this product:

It's a long wearing formula and dries up in 60 seconds. It has a beautiful high shine, too... You can do your nail art designs using the tip of the art pen or you can just polish your nails with the applicator paint brush. To use pen art, just remove the cap of the bottle by pulling upward and squeeze the bottle to fill the nib with nail paint. Clean the nib as required by using the cleaning pin provided which is attached to the bottom of the bottle. To use the applicator paint brush is easy, just unscrew it! I like the art pen because it's easy to control and draw precise lines. I'm not sure how many colours available but when I was there at the store, there were only white and black in colour.


This is one of my favorite designs (inspired by julieg713 and s2pandapple). I did my nail designs last night using the art pen.

Why Use A High Value Home Insurance Broker?

Are you one of the many high value home contents or a high value property owners that are frustrated with trying to buy insurance on line from an irritating little mongoose or a fat opera singer and constantly being rejected? If you are and are looking for a much more tailored service then you should be speaking to high value home insurance brokers.
On-line Insurers do not deal well with Home and Property Insurance for High Net Worth or "Private Clients". People with high sums insured need a more individual approach to their Insurance arrangements and high net value home insurance brokers have considerable expertise in dealing with exactly that.
No two high net worth clients have the same situation and they need somebody to help them ensure that they have the cover they need with correct and accurate sums insured with a policy that is specific to the High Net worth market.
So, what should you expect when dealing with high value home insurance brokers?
What makes them so different from other Insurance intermediaries? They take detailed information to understand your specific needs and ensure that you have the correct sums. They assess your individual situation and then they will approach Insurers to obtain quotations for you.
A high net value insurance broker is skilled in selecting the Insurer with the best cover for their client's needs at a competitive price. They present the alternative quote options to the client and explain clearly in order that the client can make an informed decision as to which policy to choose. High value home insurance brokers use their knowledge of the market and will advise and guide the client in decision making.
This is particularly helpful in understanding the way in which claims are handled by each Insurer. Nobody wants to have a claim under a home policy but it is of course what insurance is all about.
High value insurance brokers are very well equipped to deal with and advise on the handling of the claim at every stage of the process. Their key role is to keep the client informed of what is happening and managing their expectations on all matters relating to the claim. If the correct amount of time and effort has been invested originally when arranging the Insurance policy the likelihood of problems occurring are considerably lower. However should a dispute arise it is comforting to know that high value home insurance brokers will always have your best interests at heart and will always act in your interests to ensure a swift and fair claims settlement.
To find an insurance policy that's tailored especially for you and to stop being treated like a nameless, faceless client, speak to a high net worth insurance broker.

Christmas Ecommerce Guide

Online retail continues to grow year-on-year, with the run up to Christmas being the peak of many retailers’ annual revenues.  Predictions from the Centre for Retail Research have stated that 2011 will see a rise in online sales by 16.3 per cent this Christmas from 2010. This comes as no surprise as the online world provides consumers with an accessible channel allowing them to easily buy anything they need for Christmas, from CDs and DVDs to the more unusual gifts, at competitive prices.  With this in mind, it is important that retailers are more prepared than ever to make the most of this time of year. 

As we get closer to Christmas, it’s important that retailers of all sizes consider bespoke planning around seasonal goods. The planning and activity should have started already, but if it hasn’t, it’s still not too late for smaller retailers to really gear up for Christmas and ensure the make the most of consumers’ greater propensity to buy around this time of year.

This report details what these retailers should be doing when it comes to planning for Christmas, including steps that should have been taken 60 days prior and further steps that should be taken 45 days, 30 days and 15 days prior. The report offers essential tips around marketing and promotions, content and inventory and is aimed at anyone who is selling products online and looking to take advantage of the Christmas rush.

Planning for Christmas

Online retailers of all sizes should be thinking about Christmas as early as August, but they need to really start gearing up for it 60 days prior to the 25th December if possible, working towards the following deadlines in order to ensure they don’t become snowed under by the demand and volume of sales: 

1. 60 days prior to Christmas: This is the time for retailers to identify the entire inventory needed for the festive period. Whether this is ensuring that there is enough of the bestsellers in stock which are sold throughout the year, or items that are made available for the season such as Christmas decorations and specialist gifts 
2. 45 days prior to Christmas – Now that Christmas inventory is highlighted and ready, this is the time for retailers to double check that this entire inventory is listed and available. Many customers often get a head start on Christmas shopping and want to be assured that their chosen online stores have  the products they are looking for 
3. 30 days prior to Christmas – With just a month to go, retailers must have 100 per cent inventory availability. This not only makes it easier when dealing with the volume of orders they will receive in a timely manner, but it ensures customer satisfaction when orders are accurate and completed 
4. 15 days prior to Christmas – For many consumers, just over two weeks until Christmas starts to become manic, however retailers at this time should ideally have sold and dispatched 50 per cent of their inventory for the season

If retailers don’t yet have plans in place, it’s still not too late for them to gear up for Christmas and take advantage of the huge opportunity. Some key tips for maximising sales opportunities include: 

1. Get categories set up now
– categories help the buyer search more easily whether it is by a product type or price points
2. Run promotions around Cyber Monday & Black Friday – these are two dates in the online retail calendar when sales boom in the lead up to Christmas. Retailers can really maximise the sales they make by running promotions on both of these days that would appeal to the  festive market 
3. Review the impact of last year’s Q4 performance – taking the time to analyse the success of the previous Q4 performance is one of the most effective ways of gaining an understanding of what sales were like, what tactics were used and what worked well. This will put retailers in a good position to know what they should be doing this Christmas 

Finally, retailers must remember to pull all the relevant seasonal content the day after Christmas. It is also key that the next page is pre-planned and ready to go up straight away, preparing themselves for the next round of sales.

Seasonal Marketing

Getting seasonal marketing techniques right isn’t as complicated as it would first seem, yet many smaller retailers are struggling to roll campaigns out successfully. With a host of diverse seasonal events throughout the year, whether it is Mother’s Day, Valentine’s Day, Halloween or Back to School, retailers need to think strategically, as well as consider the quick wins when it comes to marketing and promotions to drive seasonal sales. 

One area that many retailers often overlook is keyword optimisation on product listings. They should begin identifying and optimising selected seasonal keywords 60 days prior to the relevant event. It is simple to do and when done successfully it can lead to a 35-55 per cent uplift in traffic on eBay alone, allowing retailers to really maximise seasonal events. In addition, retailers should be making full use of custom pages if selling through eBay, as landing pages for search engines. 

Around seasonal peaks retailers’ priorities are to increase traffic to their website and ultimately sales, as consumers are often more willing to spend their hard earned cash. To help in driving this retailers should consider the following four simple steps: 

1. Create a custom page specifically for gifts – creating a page that displays gifts that are specific to a particular season allows customers to easily find and purchase what they are looking for 
2. Use images to engage – using a selection of good quality images helps people identify what a product is likely to look like in real life, maximising the online shopping experience 
3. Use small sentences – including short and snappy descriptors alongside images helps ensure the browsing experience is as simple and engaging as possible for the customer 
4. Include FAQ, shipping and ‘about us’ pages – allowing the customer to easily access as much information as they may need before making a purchase is a essential to ensure browsing is converted into sales 

Email marketing is increasingly being neglected and is another area where some smaller retailers fall down in seasonal marketing. However, its value cannot be under-estimated and it is a key promotional channel, particularly in the run up to Christmas.  To maximise the effectiveness of email, retailers should be looking at the following timings:

1. 45 days prior – This is when retailers should be sending reminder emails to their database regarding availability of festive stock
2. 30 days prior – With shopping for the season in full swing, this is an ideal time for retailers to send out discount offers over email
3. 15 days prior – With just over two weeks to go until Christmas or any other seasonal event, there is quite often many consumers who are still looking to compete their shopping lists. This is a great time to send an email out offering free shipping or other deals to encourage last minute sales.

On a final note, it’s important to remember with all seasonal marketing to keep messages consistent across all channels through which you’re selling and communicating – whether that be a website, third-party retail channels, social media or physical and electronic mailers.

Conclusion

Despite the increased revenue opportunities to be had in the run up to Christmas, it seems that some online retailers are still struggling to take advantage of increased consumer spend. While activity should really begin in late October, it is not too late for these retailers to turn this around and reap the benefits here. Inventory is possibly the lowest hanging fruit, with retailers just needing to ensure that they get the balance of timing and availability right.

However, in such a competitive space as online retail, just getting your seasonal inventory right is not enough, it is crucial to focus on promotion and the user experience as well. Seasonal marketing is an area where some retailers can struggle, and the first thing they should be focusing on is findability; optimising content for search engines on seasonal keywords and creating dedicated landing pages.

Email marketing with seasonal promotions is also crucial, particularly around the busiest shopping days like Black Friday and Cyber Monday. Finally, the basics of a good online user experience can also not be ignored and retailers must ensure that they take steps including creating custom pages for gifts, using engaging images and offering FAQ, shipping and ‘about us’ pages.

By investing the time in take these reasonably basic steps, retailers of all sizes can ensure they take their share of the online Christmas spend.

Medical Loan Could Be the Ticket to Settling Your Hospitalization Bills

When dealing with any kind of debt, you have to know your priority. Unsecured debts like medical bills, for example, have a longer allowance so the creditor usually doesn't ask you to start paying until a months. In contrast, your mortgage loan needs to be settled every month or else you find yourself on the streets as the creditor moves to foreclose on your house. So from the time you get the bill, you have at the very least three months to secure a medical loan to pay for your hospitalization expenses.
The three month window doesn't mean however that you ignore the hospital when they drop in or make a call to remind you of your obligations. The last thing you should do is to sweep the problem under the carpet, so to speak. Even if you think you won't run away from your medical bills, it's tantamount to nothing if the creditor remains in the dark about your plans. Your debts will still going to be "charged off" and sent to a third party collector. (The "term charged off" means your debts are written off the hospital's books because it has given up on your capacity or intention to settle your balance.)
Don't be afraid to negotiate for a longer payment term or a discounted bill. You have no idea how your hospital's billing department will welcome your resolve to pay your medical bills.
Now if your medical bills are sent to the collection agencies or accounts receivable management companies, you have every right to request them to stop asking you for money. They also have every legal right to bring you to court where they can garnish whatever is left of your salary after taxes. The other alternative is to negotiate with the third party collector, which surprisingly could be a very easy process. You can even ask for referrals from the collection agency of a reputable company that offers medical loan for very low interest rates and affordable monthly payment term.
The important thing is to tell the original creditor or the collection agencies of your plan on how to settle your medical bills, and for how long. If indeed you plan to avail of a medical loan, update them of the developments every now and then.

M. Baylor, of Hurst Texas, grew up with both parents as doctors. Laws concerning medical care governed his fascination as he grew up. As a paralegal in Allmand & Lee, Marcus maintains an informative blog about medical bill debt, medical litigation, and the latest in the health care reform bills and government programs.
The Secrets About Medical Bills [http://blog.secretsaboutmedicalbills.com/] blog seeks to address all sorts of legal questions that people have on the subject. Providing insight and alternatives for those saddled with medical debt and issues that arise through no fault of their own, Marcus seeks to bring help to people who suffer financially due to health issues. Visit Marcus's blog to find out the latest legal tactics used to fight on behalf of the patient against health insurance companies.

How The Hospital Payment Processing Really Works

Hospital Billing
There is no doubt that everyone feels a real jitter and have butterflies in their tummy whenever they visit a hospital either for a planned check up or even during emergencies. The jittery feeling is due to the worry about the hospital bills that they will be facing. It is never an easy task or a layman to calculate approximately what the hospital billing would look like. Most of the times you will feel that the billing done by the hospital are expensive and a bit confusing too. There are plenty of staff in the hospital at the billing section who are trained to help you out know how the billing has been calculated and what are all included in the bill.
Electronic Billing And Payments
Medical billing and hospital payment processing is a fast developing and growing field and it has become a norm in most of the countries all across the globe. As there are rapid advancements in technology, there are also vast improvements in hospital payment processing methods. Now, all the bills pertaining to a patient are filed as hard copies in single folder and are mailed to the insurance provider through e-mail. There are plenty of software that are available that will allow in carrying out the hospital billing on the computer. There are plenty of coding software that are available these days that will help in quick and accurate processing of bills and will also be less time consuming.
There are a lot of hospitals that now accept credit or debit cards from patients and this is considered one of the easiest hospital payment processing method that will save a lot of time both or the patient as well as the hospital. Everything will be done electronically once the patient's card is swiped in the electronic credit card reading machine. The request for issuing the payment pertaining to the bill has to be keyed in and once the bank authorizes the payment electronically, a payment slip will be generated by the machine and the bill amount will be transferred from the patient's account or bank to the hospital's bank account.
Payment From Patients
If the patient is not covered by any medical insurance, then the patient will be needed to pay the hospital amount in advance for planned admissions or during the check in time for emergency cases. Most hospitals all over the globe would accept cash, check, credit or debit cards and even money orders as payments. There are also hospitals that will be offering pay out plans by offering financial assistance to patients who are cash struck and do not have the full amount to pay or their treatment.
Conclusion
With all the latest technologies in place, hospital payment processing is not a difficult or tiresome job anymore. In fact, it has really eased the job and also provides the patients as well as the payment receiver hassle free payment processing which does not include any counting of liquid cash or writing of checks and so on. Everything is doe electronically and in a speedy manner that will save the time o the patients as well as the hospital staff.

It's a wrap, finally

On July 17, the IASB & FASB met to make their last decisions before releasing a revised exposure draft (RED) for the new lease accounting standard. The following decisions were reached (according to meeting notes posted at IASPlus):

Lessee accounting

Statement of financial position (balance sheet)

Assets and liabilities for the two types of leases (finance, also called "interest and amortization" or I&A, and straight line expense (SLE)) will be reported separately, either on the SFP itself or in disclosure notes. Assets are to be presented based on the type of underlying asset.

Statement of cash flows

Cash paid for SLE leases will be reported as an operating activity. It was previously decided that cash paid for I&A leases will be reported as a financing activity for the principal portion, and in accordance with applicable IFRS or US GAAP standards for interest (IFRS permits it as either operating or financing, while US GAAP puts it in financing).

Several board members expressed interest in additional disclosure of cash paid for leases that would distinguish I&A, SLE, short-term leases, and variable lease payments. The staffs will review this and potentially provide a future staff paper for board action.

Disclosure

The maturity analysis (future rent commitments by year for at least 5 years, then combined to expiration) will not be separated between I&A and SLE leases. This was justified by the fact that the liability is calculated the same way for both types of leases. The FASB had previously decided that commitments for services and other non-lease components need to be disclosed; the FASB decided that this disclosure will also be a single report for all leases, not separated between I&A and SLE.

Reconciliation of the opening & closing balances on liabilities will be separated between I&A and SLE leases, because the liabilities themselves are being reported separately.

On the asset side, the boards disagreed. The FASB chose not to require a reconciliation at all. The IASB chose to require separate reconciliations for I&A and SLE leases.

The staff recommended a disclosure table for lease expenses, including amortization and interest for I&A leases, variable lease payments, short-term lease payments, SLE, principal & interest on I&A leases, and SLE cash paid. The boards thought this was overload, and decided only to require disclosure of variable lease payments.

Transition: SLE lease asset

The boards previously changed their approach for transitioning existing operating leases to the new regime: in the original exposure draft, they planned to make the asset and liability equal at the date of initial application, but because that would have front-loaded expenses for all leases, they decided to switch to a "modified retrospective" approach which results in an asset value largely similar to what one would have restating from inception (see my discussion of the details here). With SLE leases, however, front-loading isn't an issue, so the boards approved using the original methodology with the asset and liability equal at the date of initial application (though with an option for a fully retrospective application, which is also permitted for I&A leases). If there's a deferred rent liability/asset due to unequal lease payments, that is applied to the asset.

Lessor accounting

The boards decided that when a lease is terminated early and the lessor takes back the asset, the remaining receivable and the residual should be combined and set up as a re-recognized asset. No gain or loss would be reported on the transaction (though impairment might separately be recognized, if the remaining receivable that's being reclassified is less than the fair value of the leased portion of the asset plus any penalty payments made).

Interim disclosure

For both lessees and lessors, the boards decided that generally interim disclosures (that is, disclosures required during interim reporting periods, such as quarterly reports for US companies) should be handled consistently with existing standards (IAS 34, US GAAP Topic 270, and SEC Regulation S-X, Rule 10-01). However, an additional disclosure for lessors to detail components of lease income was approved. The FASB approved the proposal as presented by the staffs; the IASB preferred to permit a single lease income number in some cases. This leaves a rare non-convergent situation to be dealt with in the post-RED redeliberations.

Next steps

This isn't quite the end of the decision-making process. The FASB will be meeting next week to discuss a few FASB-only issues.

With these decisions complete, the staffs will now assemble all the "tentative" decisions into the form of an exposure draft. The draft will then be circulated to the boards to make sure it accurately reflects the decisions reached, then released to the public. The expectation is that it will be released during Q4, probably in November. There will be a 120-day comment period, which thus would be expected to end in March 2013 (though that might get tweaked because it falls in the middle of annual reporting for companies on a calendar year basis). Once that's complete, figure a month or so for the staffs to compile the results of the comments, so probably in May the boards will start their review and redeliberations. One can expect that there is still going to be some controversy over the decisions, so redeliberations will probably take a few months. At the meeting, two members of each board indicated an intention to dissent from the exposure draft, with an additional member of each board considering dissent; concerns included complexity and cost/benefit, exclusion of variable lease payments, insufficient disclosure, maintaining two types of leases when unified accounting was a key objective originally, and inconsistency between lessor accounting and the concurrent revenue recognition project.

If there are no significant changes, it may be possible to get the final standard approved in 2013, but it would seem to me it's not likely to be out until late in 2013. Given that, it seems almost certain that implementation would be required for 2016 (with restatement of prior years going back two years for most U.S. firms). That makes a total of just under 10 years from the time the project was announced in July 2006 to final implementation; the original plan was to have the final standard released in 2009, with implementation in 2011.... In a webinar today (July 19), the staff indicated that they expect that earlier implementation will be permitted, while non-public entities may get additional time for implementation.

Step By Step Guide On How To Obtain Life Insurance

One of the primary motives why people acquire a insurance policy is the assurance that their dependents will get a prearranged sum of money in the event of their death. Getting a policy is crucial especially if you are the main source of income in your household or family. Apparently, the demise of the breadwinner signifies the loss of income for the family. As they say, life insurance is something that you need to obtain, but hopefully never have to use.
Guide on how to purchase a life insurance:
1. Determine the kind of policy that suits your needs
Term and whole life plan are the common types of policies that you will encounter as you begin shopping for a policy. Term life insurance expires for a definite period of time, such as 10 or 20 years. Conversely, whole life plan covers the policy holder until death. Your choice of policy should be hinge on your personal needs. You may prefer whole life plan or merely need a life plan for 20 to 30 years while rearing children.
2. Search out for free life insurance quotes
Internet has helped buyers get free online quotes without difficulty, but it is still advisable that you seek for the opinion of proficient insurance agents in your community. They can help you understand life plan even more, present you a wide range of options and provide you answer to your queries about certain policies that you cannot access from online quotes. Moreover, try to check with your human resources department at your job to recognize the life insurance options offered there.
3. Fill out the application form
Once you have made up your mind on which policy or insurer you want to choose, you can now start applying for a life plan. This necessitates a preliminary application that will also include few questions concerning your present and past health condition. Insurers make use of the information supplied on the form to help them in creating a policy.
4. Go through a medical exam
Most reputable insurers compel applicants to undergo a medical exam completed before they approve your application. Normally, this test should be paid by the insurance company, which utilizes it to confirm the information on your health history.
5. Understand the premium and coverage before buying it
After taking you medical exam, the insurer will design a policy for you that stipulate your coverage and indicates how much premium will be charged to you. You should get through the policy documents right before you sign it to verify if it suits your needs at a price you can afford.
6. Sign the policy and pay the premium
Lastly, sign the policy papers to obtain insurance coverage and pay the premium. Once you have completed these steps, you already have a life plan that will protect your dependents in case you die.

Mei Mayore is a dedicated life insurance agent who is keen to provide people fast and risk free life insurance quotes. Learn more things on how to achieve maximum savings and claim strategies by visiting Life Insurance Quotes Canada.