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  57. <div class="post-71 post type-post status-publish format-standard hentry category-online-payday-loan" id="post-71">
  58. <h1><a href="http://dwacpnd.info/how-to-choose-your-bank/" rel="bookmark" title="Permanent Link to How to Choose Your Bank">How to Choose Your Bank</a></h1>
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  65. <p>    Upon getting information about an upcoming school science fair and the need to consider a topic of interest, many students will typically have no idea where to get started. While the science fair is typically a common occurrence in any school at any grade level, there are different types of topics that should be taken a look at depending on the age of the student. After first taking a look at the many different categories of science projects, you will be able to locate a suitable choice of topic to take to the next level.There is a wide variety of categories that fall under the types of science projects that can be chosen for a school science fair. These include biology, chemistry, physics, microbiology, biochemistry, medicine, environmental, mathematics, engineering, and earth science. While you may not have yet learned very much in any of these categories, don&#8217;t be afraid to see what each one entails. Taking a good look at your interests will allow you to focus on the right direction to take.Many resources are also available for those who are unsure as to the topic they are wanting to use to create their science projects. If you take a look at the topics that fall under the biology category, you will likely notice that there are topics that deal with plants, animals, and humans. For those who are in 2nd grade or 3rd grade, an interesting topic may be to determine if ants are picky over what type of food they eat. While this topic might not be of interest to an 8th grader, it is certainly something in the biology category that an elementary school student would enjoy.Along with the biology category, a high school student may want to take a look at diffusion and osmosis in animal cells as this would be a more appropriate topic for the grade level. A student in 6th grade would be more advanced than an elementary school student, but not as advanced as a high school student. At this middle school grade level, a topic of how pH levels effect the lifespan of a tadpole may be of interest.Whichever resource is used to locate a topic for science projects, it is always a good idea to consider the grade level of the student prior to making a selection. It is always assumed to be best to have a project at an appropriate level in order to keep the attention of the student and provide a fun and enjoyable learning experience. </p>
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  76. <h1><a href="http://dwacpnd.info/profitable-e-commerce-making-big-money-with-e-commerce/" rel="bookmark" title="Permanent Link to Profitable E-Commerce &#8212; Making Big Money With E-Commerce">Profitable E-Commerce &#8212; Making Big Money With E-Commerce</a></h1>
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  83. <p> In today&#8217;s highly advanced mechanism of transacting business, E-commerce becomes a common media for people to do business with other people.  Every business transaction that is being made is made possible through the combined usage of the Internet technology and of the E-commerce methodology.  E-commerce is seen as a highly potential tool to for one to generate more money and profitable income.  If you want to learn more about this, you may want to continue reading the rest of this article material.o E-commerce offers 24 by 7, 7 days a week, 365 days open online store.  As such, it is generally advantageous for most businessmen because E-commerce is able to provide the needs of its consumers round the clock.  With E-commerce&#8217;s round the clock capability, it is also able to provide support system with its clients.o E-commerce does not need too many working staff.  Staffing is one of the most strenuous and capital investment&#8217;s enemy because the money that can be used to capitalize a bigger investment is being divided by the need to pay for human resource.  With E-commerce, a few people will be needed to operate the business online, which means more savings for the investors.o E-commerce provides a wider geographical means to be in touch with you clients.  Because of the capability of the Internet to supply information to all people round the world, it made it possible for E-commerce to do the same thing.  E-commerce is capable of reaching out to its clients wider in geographical and demographic sense. <br/><a style="display:none;" target="_blank" href="http://kalipakem.com/">kalipakem.com</a><a style="display:none;" target="_blank" href="http://jackpotslotsweb.info/">jackpotslotsweb.info</a><a style="display:none;" target="_blank" href="http://spinslotwins.info/">spinslotwins.info</a><a style="display:none;" target="_blank" href="http://slotbidwins.info/">slotbidwins.info</a><a style="display:none;" target="_blank" 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  94. <h1><a href="http://dwacpnd.info/a-complete-review-of-the-major-credit-reporting-agencies-and-credit-reports/" rel="bookmark" title="Permanent Link to A Complete Review Of The Major Credit Reporting Agencies And Credit Reports">A Complete Review Of The Major Credit Reporting Agencies And Credit Reports</a></h1>
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  101. <p> Today we have grown into a nation looking for instant gratification, the buy now pay later syndrome.  So, without a good credit rating it will be very difficult to get the things you want at the time you want them.  Consumer credit has become widely accepted as a substitute for ready cash, so having good credit is the key to your future of getting all  you deserve, and the key to opening doors that make your life more comfortable and worry free.As a consumer it is to your benefit to fully understand how credit works and every aspect of what is involved when you apply for any type of credit, including the major credit reporting agencies that hold your credit report file.  When you understand what the banks and other creditors are looking for, and you know what is in your credit report, you will be able to control your financial future and make the best choices for yourself and not accept anything less than what you deserve.When you apply for credit, lenders want to know about you, your employment history, your income, your assets, and most importantly they want to know about your credit history.  A lender will get lots of information directly from you through a credit application, then, they will pull your credit bureau reports to confirm this information and review your credit references and credit report scores.  Then upon evaluation of your credit application combined with your credit report, the lender will determine your credit risk and make a final decision on whether or not to grant you credit and at what rate of interest they will charge you.So, now that you know the process of getting credit, let us take a deeper look into the factors that can either be an asset or liability to you when applying for credit &#8211; your credit report.What is a credit reportYour credit report is your financial resume, a summary of your financial reliability, containing both personal and credit information.  Your credit report is maintained by credit reporting agencies, also known as credit bureaus, and provided to lenders, employers, insurance companies, landlords and other companies who have a legitimate need for this information, based on the federal Fair Credit Reporting Act (FCRA).  Your credit and personal information is reported to the credit reporting agencies from various creditors, in most cases electronically, instantly updating your file.What is in my credit reportYour credit report is divided up into five main areas:  personal profile/identifying information, inquiries, credit history, public record information and your credit score.PERSONAL PROFILE / IDENTIFYING INFORMATION &#8211; this is where all your personal information is recorded &#8211; your name including any alias and possibly your spouses name, current and previous addresses, Social Security number, date of birth and current and previous employment.  You might find some of this information is incorrect or incorrectly spelled, this can occur when creditors pull your credit bureau as they usually enter in the information though the computer where data entry errors can occur, and these mistakes will update your credit bureau report.  However, if there is information that is not even close, such as an address, this should alert you to investigate this further as it is a possibility that you may be a victim of identity theft.INQUIRIES &#8211; in this section you will find listed all the parties that have requested a copy of your credit report and the date it was done over the past two years.  There are two types of inquires, soft and hard.  A hard inquire is when you have applied for something and is initiated by you, for example, you have applied for a loan or mortgage or completed a credit application for a credit card or even applied for insurance.  These hard inquiries are the ones that appear on your credit report and are visible to creditors when they access your credit report.  A soft inquiry only shows on your credit report when requested by yourself and do not show to the creditors.  A soft inquiry can come from your existing creditors that are monitoring your account, companies that are looking to offer you promotional applications for credit and each time you request a copy of your credit report.CREDIT HISTORY &#8211; in this section you will find an itemized list of your credit cards, loans and mortgages, both currently active accounts and past closed ones.  The information reported includes, type of account, when it was open, the high balance or limit, monthly payments, date of last payment, how the account is paid including any late payments, date of last activity and a rating of how the account was paid.PUBLIC RECORDS &#8211; this information is obtained from local, state and federal courthouses and includes bankruptcy records, foreclosures, tax liens, monetary judgments, court-ordered payments, and over due child support payments.  Public records are a negative credit reference and will lower your credit score.  They also stay on your credit report anywhere from six to ten years.CREDIT SCORE &#8211; your credit report scores are a rating determining you credit risk and the likelihood of defaulting on a loan.  Lenders will use this score as a tool to assist them in deciding whether or not they will lend you money.  Your credit score is a snap shot of your credit at that point in time, and can change on a daily basis.  The score is a three digit number ranging between 300 and 850.  Statistics show that the higher the number the less likely you will default on a loan, therefore you are a good credit risk; and the lower the number the greater chance there is for you to default on your payments, making you a greater credit risk.When your credit score is low, you still may be able to borrow money but, you will most likely have to pay a higher rate of interest and you may not get all the money you request and possibly have to pay additional fees, basically you are at the mercy of the lender.  However, the higher your credit score is the more you are in-charge, you can get any loan at the best possible rates with no restriction.Your credit score is a complicated calculation, where the credit reporting agency takes into consideration many factors, including but not limited to, your payment history &#8211; late payments, both current and previous will bring down your score; your credit balance in relation to you limit &#8211; if you are at your maximum credit limit or if you are over it will bring down you score; the number of inquires &#8211; if you have to many in a short period of time it will bring down your score; the length of time you have had credit, the total number of outstanding debts and any derogatory information or public records, such as bankruptcies, collection, judgments and written off accounts &#8211; will bring down your score.Where does the information on my credit report come from?Your credit history information is gathered at companies called credit bureaus or credit reporting agencies.  There are three major credit reporting agencies, Equifax, Experian and Trans Union.  They receive information voluntarily from creditors and the credit reporting agency updates and maintains your credit report file with this information. Creditors report, loans, credit cards, mortgages, on a regular basis electronically.  Your file is also updated when you apply for credit, as the information from your credit application is submitted to the credit reporting agencies when they pull your credit report.Who are the major credit reporting agenciesThere are three major credit reporting agencies. Equifax, Experian and Trans Union.  These are independent companies from one another, and it is important for you to know that they do not exchange information.  This means that it is quite possible that you not only have a separate credit report with each of them, but that they may contain different information.  There are hundreds of smaller credit bureau companies across the country however these major credit companies are the largest and the main bureaus that the banks and financial institutions use. You will find that creditors may use one of the three credit reporting companies, however it is not unusual for them to use all three.Who has access to my credit reportThe Fair Credit Reporting Act (FCRA) contains rules regarding who can access your credit report.  Generally speaking, a credit reporting agency may only provide information from your credit file when the requested relates to the extension of credit, collection of a debt, a tenancy applications, an application for employment or insurance, the issuance of special licenses or potential financial dealings that involve you.  The law also gives these companies access to your report as part of an ongoing business relationship.  An example of this would be you have a loan at a bank and you miss your payment, this gives that bank a right to obtain an updated copy of your credit reports.  Credit card companies use this option a lot.  They consider it part of the maintenance of your account.  As credit cards are revolving (not a closed end loan), a customers circumstances can change, so credit card companies will obtain updated credit reports on their customers to review them and look for warning signs of a customer getting over extended in credit which could result in problems fulfilling their obligations.  This is how credit card companies can either raise or lower your credit limit or interest rate automatically.  However, in the case of an employer, this law does not apply and they need the employee&#8217;s permission each time they wish to request a copy of your credit report.You are also entitled to copies of your credit reports, and today with the internet there are many fast and easy ways to obtain credit reports online.  You can purchase a copy from each of the major credit reporting agencies, Equifax, Experian or Tran Union, the cost may vary however, under the latest Federal Trade Commission (FTC) rules they are restricted to the maximum amount they can charge you.  Check with your state laws, as some states require the credit bureau companies to provide you with a copy of your credit report periodically for free.  The FCRA gives you the opportunity to receive a copy of your credit reports if you have been denied for credit or other benefits based on your credit report, you are entitled to receive a free credit report from the credit bureau that provided the report. The FCRA also allows you obtain<br />
  102. totally free credit reports.  If you suspect that you are a victim of identity theft or fraud, if you are unemployed or if you receive welfare assistance. </p>
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  113. <h1><a href="http://dwacpnd.info/investment-tips-based-on-moon-sign-for-diwali-2010/" rel="bookmark" title="Permanent Link to Investment Tips Based on Moon Sign for Diwali 2010">Investment Tips Based on Moon Sign for Diwali 2010</a></h1>
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  120. <p> &#8220;Diwali&#8221; (Deepavali) will be celebrated in India on the 5th November 2010 (Vikram Samvat 2067). The day of Diwali is auspicious for every Hindu but it is more important for business and business community. People take various investment decisions on this day. The attempt of this article is to help investors take informed investment decisions based on their Moon signs.Aries:Arians should avoid taking rash decisions concerning investment. Speculation should be avoided generally. Property investment may give positive results. Special care should be taken before entering into any contract and signing any document. Some Arians may gain from abroad. Investment in shares of good companies may also be considered.Taurus:Natives of Taurus should exercise extreme caution while investing in property. It may be advisable to go through the history of land or builder before taking any investment decision. There may be gains from stocks if investors go by fundamentals. Greed should be avoided and investment should be made on sound analysis. Ideal investment may be government bonds, IPO&#8217;s and mutual funds. Risk free investment is better option.Gemini:The Gemini people may invest in property for long-term for real gains. If the idea is to gain quickly, this may become a cause for loss. The natives are advised to remain careful while taking loans. They may fall into some kind of debt trap if prudence is not exercised in managing debts and investments. The focus of investment should be on the shares of good companies. Investment in gold may also payoff in the long run.Cancer:Speculative gain is possible from stock market if it is done with caution. Investment should be made on good companies. Care is necessary for investment in property. It is not wise to be overambitious with respect to future price rise of property. Shares or mutual funds may be good option. Gossip and hearsay should be avoided while taking investment decision. Investment in business may also prove to be a good option.Leo:Goddess of fortune seems to be kind this year to Leos. Possibility of gain exists in shares, stocks, property and the like. The stars of fortune are smiling and if such fortune is backed by intelligent plans and investment, good money can be made. However, it will be necessary to control nerves and be watchful. Some calculated risks can be taken for extra advantage.Virgo:If investment has been made in property, the projects may get delayed. Caution should be taken while making new investment in property. Read the agreements before signing them to find the finer points. Informed investment in stock market, fixed deposits, government bonds and interest bearing securities are better options. In short, it is important to minimize risks.Libra:Librans should be extra careful while investing in property. Gains can however be made in commodities market and share market. Planned investment will be better than speculation. Investment in gold may also be done for long-term gains. For investment of any kind, a proper survey of the situation will be beneficial. Possibility of gains from foreign source also exists.Scorpio:The time is very good for those who are planning to buy property for personal use. Gains from old property or ancestral property are indicated. Share investment may also give good returns. Stars are favorable with respect to investment right now. However, some calculated risks may be necessary to convert the advantage into material gains. Investment in gold and ornaments can be made for risk free investment.Sagittarius:Extreme caution should be exercised in taking investment decisions. It is better to make efforts for maximizing earnings. Invest the hard-earned money in safe instruments like Government bonds, securities, insurance and mutual funds. It is better to avoid speculative investment. Property investment should also be done with due prudence. It is better to seek expert opinion regarding projects in which investment is to be done.Capricorn:Time is good for several types of investment. Money can be made from almost every investment, but, investment should not be done with a blind eye. Caution should be exercised with respect to property investments. Delay in delivery of projects may become a matter of concern. There may be some issues with respect to financial liquidity as well. Unnecessary expenses need to be curbed.Aquarius:Money can be made from stock market. Speculation and short-term investment may also payoff well. However, informed investment is advisable. Investment in property may also give good returns. Gains from abroad are also indicated. Stars are favorable right now and prudent investments may become rewarding. Yet, caution is advisable while signing contracts and in finalizing deals for long-term.Pisces:There may be some career-related issues for natives. Such issues can be overcome with sustained and intelligent efforts. Risky decisions with respect to career and property investment should be avoided. It is better to avoid speculation. Investment in government bonds, securities and fixed deposits may be good investment instruments. Investment in gold can also be made. </p>
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  130. <div class="post-60 post type-post status-publish format-standard hentry category-uncategorized tag-adidas-clothing tag-apparel tag-cat-shirt tag-designer tag-hunting-clothes tag-jordan-clothing tag-mens-clothing tag-sports-clothes" id="post-60">
  131. <h1><a href="http://dwacpnd.info/which-mens-underwear-is-best-for-sport/" rel="bookmark" title="Permanent Link to Which Men&#8217;s Underwear Is Best for Sport">Which Men&#8217;s Underwear Is Best for Sport</a></h1>
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  138. <p> Following the end of the Summer 2012 London Games we have become a nation full of renewed enthusiasm for sport and have started to dust off the gym back, air the trainers and splash out on some new trendy gear.  As more people join gyms and sports clubs they may be interested to learn the importance of choosing the right underwear for sport.Men often over look the most important things in their sports locker such as their choice of sports underwear and this is probably because they are an item of clothing which doesn&#8217;t allow them to flash a sporty designer logo. Yet they are probably the most important piece of your sports attire you will purchase because a testicular trauma is probably going to be far more painful than anything else you might sustain from incorrect sports wear.High impact sports account for the most reports of testicular trauma and it is hardly surprising when you think about how much bouncing and jerking around they have to sustain during a game of rugby for instance or even running. Women appreciate the importance of supporting bouncy parts during sport and have been wearing sports bras for a long time. Yet, how many men still wear their regular undies to the gym, loose fitting boxers and baggy briefs that have very little support or sports benefits whatsoever.So what exactly are the important features we need to look for when considering what underwear we pull on for the gym? Here are some top tips of key features you should look for.Support is probably going to be the most important feature to look for when choosing suitable underwear for sport. Traditionally men&#8217;s underwear consists of a pouch at the front formed by two vertical seams either side of the pouch to provide shape. However, this type of construction offers little support or control. More supportive underwear often features a shaped pouch that incorporates a semi circular seam that passes under your &#8216;giggleberries&#8217; to cup and support. These are by far the most supportive and having ensured you have chosen the correct size will be probably the comfiest design you will be able to find for sport.Fabric are an imported aspect and there are many types of natural and synthetic fabrics to choose from, which have developed a long way technically. Often the best type of fabric for sport is a cotton rich or a cotton modal fabric as these offer a soft, natural and breathable experience. This is important when it comes to allowing air to circulate and reach the skin as will as wicking moisture away from the body to minimize the potential for fungal rashes to occur or irritation. However, there are equally some very good synthetic microfibers available and ones that even offer anti bacterial properties to reduce the unwanted effects of body odor to develop.Finally, you will want to consider the overall construction and quality as you will be putting them through some enduring paces whilst at the gym. Many of the comfiest fabrics and underwear can be on the thin side or even incorporate perforated mesh material to make them cooler and more breathable, which is fantastic. However, all I would say is do not compromise on quality as this is one item of clothing that needs to standup to doing its job. Take a close look at the stitch and look for a quality finish. Double stitch seams and soft quality internal wash labels are a good indicator that the manufacturer has not cut corners, hence you should be able to expect the rest of the garment to be of good quality. </p>
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  142.  <p class="tags">Tags: <a href="http://dwacpnd.info/tag/adidas-clothing/" rel="tag">adidas clothing</a> <a href="http://dwacpnd.info/tag/apparel/" rel="tag">apparel</a> <a href="http://dwacpnd.info/tag/cat-shirt/" rel="tag">cat shirt</a> <a href="http://dwacpnd.info/tag/designer/" rel="tag">designer</a> <a href="http://dwacpnd.info/tag/hunting-clothes/" rel="tag">hunting clothes</a> <a href="http://dwacpnd.info/tag/jordan-clothing/" rel="tag">jordan clothing</a> <a href="http://dwacpnd.info/tag/mens-clothing/" rel="tag">mens clothing</a> <a href="http://dwacpnd.info/tag/sports-clothes/" rel="tag">sports clothes</a></p>        </div>
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  148. <div class="post-58 post type-post status-publish format-standard hentry category-uncategorized tag-beauty tag-cosmetics tag-face-care tag-face-products tag-serum tag-skin tag-skin-tonic tag-skincare tag-treatment" id="post-58">
  149. <h1><a href="http://dwacpnd.info/dry-skin-care-tips-to-improve-your-dry-skin/" rel="bookmark" title="Permanent Link to Dry Skin Care &#8211; Tips to Improve Your Dry Skin">Dry Skin Care &#8211; Tips to Improve Your Dry Skin</a></h1>
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  156. <p> Like regular basic good skin care, dry skin care must be performed on a daily basis. Proper cleansing, toning, and moisturizing practices should become as natural and routine to your day as exercising regularly, eating a healthy diet, working and getting plenty of rest.Dry skin results from a low level of skin oil, or sebum.This condition can be inherited but numerous other factors can interfere with the production of sebum. Extreme temperatures, wind, and air-conditioning can exacerbate the condition, causing the skin to feel tight, or to chap or crack. Smoking, cosmetics, chemicals, environmental pollution and high stress compromise dry skin and cause the skin to appear dull and to wrinkle, particularly around the eyes and mouth. All the more reason to practice smart dry skin care.Skin disorders such as eczema, psoriasis, dermatitis, and seborrhea, as well as certain drugs (e.g., antihistamines, antispasmodics, and diuretics) can also cause dry skin. Treating these disorders and avoiding these drugs will help improve your dry skin condition.Avoid that which will make you unhealthy on the inside and reduce your chances of developing unhealthy skin. Can&#8217;t imagine getting through a day without a cigarette? Then imagine having dry, wrinkled skin that makes you look 20-30 years older than you are. Is that an incentive to stop smoking and regularly practice dry skin care?We&#8217;re not saying change is easy. But change, in the long run, may be the best thing that ever happened to you. Proper good skin care, in general, and dry skin care, in particular, are certainly within the reach of anyone concerned about the health and look of their skin. Think of how you want to look and feel in 6 months, a year, two years. You absolutely can improve how you look and feel within a short period of time. Why not make the decision to help yourself attain better skin.Oh, I almost forgot, one more thing you have to give up, if you want to enjoy healthy skin. This applies not only to people with dry skin, but to anyone who wants to have clear, beautiful skin. Your skin&#8217;s number one enemy is the sun. Sun worshippers (me included), accept that as a fact. And the number one rule of dry skin care follows: PROTECT YOUR SKIN FROM THE SUN!As much as many of us love the sun, and love to bake in it, and walk and play in it, and love how it bronzes our skin and makes us feel healthy and limber and sexy and carefree, make no mistake, the sun can kill you, if you let it.This is no knock on the sun, believe me. The sun gives life and provides us essential vitamin D, but the sun can also inflict irreversible damage to our skin, causing it to age prematurely, to dry and wrinkle and sag, and more alarmingly, to develop precancerous moles and sun spots and carcinomas, and cancerous melanomas.So as much as we love the sun, we have to interact with it in a smart way. Click on Good Skin Care: 14 Ways to Improve Your Skin for more information about protecting yourself from the harmful effects of too much sun exposure.Here are a few solid dry skin care tips to heed:In winter, when the air&#8217;s humidity is lower, your skin dries out faster. Keep that in mind when you choose a moisturizer. Use a stronger moisturizer in the winter and a lighter moisturizer in the summer, when the humidity is higher.<br />
  157. As we age our skin becomes thinner and drier. As a result our skin is more prone to damage in the form of cuts and cracking. Be especially careful when handling tools and utensils, and when coming into contact with harsh or abrasive surfaces or objects.<br />
  158. Exercise regularly to increase blood circulation, which helps to nourish your skin and cleanse it from within.<br />
  159. Dry skin care no-brainer: drink plenty of clean water to improve skin hydration. At least 2 quarts every day.<br />
  160. Clean your skin carefully. Because dry skin is more easily damaged than oily or normal skin, practice good, safe cleansing to prevent dead skin cells mixing with dirt and grime and leading to infection.<br />
  161. Avoid excessive washing, especially with hot water, which evaporates more rapidly than tepid or lukewarm water. Too much contact with water will remove natural oils and moisture from the skin and encourage further drying. People with dry skin, especially the elderly, should avoid bathing or showering with hot water.<br />
  162. Keep your baths or showers to less than 15 minutes to avoid the loss of natural oils that help retain your skin&#8217;s moisture.<br />
  163. Avoid commercial soaps that dry out the skin. Choose a natural moisturizing soap that has a neutral ph value.<br />
  164. Great dry skin care technique: after showering lightly apply virgin coconut oil to your face and massage gently to get your blood circulating and to refresh your face.<br />
  165. Avoid cold cleansing creams, which are made from hydrogenated oils. These oils actually dry out the skin and lead to wrinkles. Try instead patting virgin coconut oil or pure olive oil on your skin to cleanse it. Wash off with tepid or warm water and pat dry with a soft cloth.<br />
  166. Always moisturize your skin &#8211; face, neck, body &#8211; after your bath or shower. Moisturize your hands after washing them.<br />
  167. Take evening primrose oil supplements to strengthen your skin and increase your skin&#8217;s moisture content. * Get plenty of sleep to allow the skin to repair itself at the cellular level.<br />
  168. For some great ways to improve the look and feel of your dry skin using simple, inexpensive products you can purchase at you local food market or grocery store.There is no mystery to proper dry skin care. First, make the decision to practice regular and consistent good skin care. That may mean giving up something (something that is probably bad for you anyway), or taking whatever measures are necessary to promote your overall physical and mental health and the health and appearance of your skin. Once you&#8217;ve committed to making your skin look and feel great, use common sense. Keep in mind the guidance and tips provided above for practicing proper dry skin care, and enjoy healthy better skin for the rest of your life! </p>
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  179. <h1><a href="http://dwacpnd.info/10-steps-to-starting-a-small-business/" rel="bookmark" title="Permanent Link to 10 Steps to Starting a Small Business">10 Steps to Starting a Small Business</a></h1>
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  186. <p> IntroductionIf you are looking for the most effective way of starting a small business without spending a lot of wasted money and time, this article is a great place to start. The advice you get from this article may be a totally new way of approaching your new small business. As I provide each of the following steps, I will give you very good reasons for why this method is the best. I provide business planning services for many new small businesses. In so doing, a business plan is often an essential aspect of getting funding.The Secret To Starting A Successful Small BusinessLet me tell you the one single factor that will assist you in obtaining funding &#8211; Customers! If you already have customers before you go to banks, friends, colleagues or relatives for money, I assure you that your efforts in raising money will be greatly reduced. I cannot tell you how many times that I have been really excited about new business ideas that my customers have brought to me. I can tell you this though, that the banks see dozens of new business ideas every day. Dozens&#8230; Their excitement level is measure a little differently.How To Get Small Business FundingYou know what the only thing banks get excited about?&#8230; Money and only money. The closer your are to making profitable sales when you ask for funding is the only way that you are going to get heads nodding behind walnut desks. Imagine yourself going to a bank dressed in your best business outfit for a loan. Think about how truly confident you would be in asking for this money, when you know that you already have the names of customers that would purchase your product now if you just had funding.How To Get Customers Before You Have A BusinessesSo you may be wondering how will you have customers before you have a business. The answer is that nearly any business that you can conceive of now has informational products that can be purchased on the internet. Whether it is a farm, auto shop, hair salon, or home improvement. These businesses all have audio or video or e-book products that can be sold on the internet that complement these businesses. How about a video product that you sell to women entitled &#8220;How to Maintain Your Hair Between Hair Appointments,&#8221; or audio podcast program series for farmers to listen to on &#8220;Advanced Crop Yield Methods&#8221; while they are busy on the tractor. All of these can be created and sold easily on the internet with a simple website. So the idea is to move into the info business first, then formalize the business into its fuller implementation after proof of concept.So let me me summarize the 10 steps to starting a small business:10 Steps To Starting A Small Business1. Market ResearchWhat is market research? Simply stated, market research is knowing that the number of customers you think are out there for your product really exist. To translate your product into customers, it is only essential that you identify the keywords that characterize your customers&#8217; Google searches. You can easily get these numbers free through the use of the internet. Google&#8217;s AdWords Keyword Tool (adwords.google.com/select/KeywordToolExternal?defaultView=2) is easy to use and after you get a free account, it is awesome in getting quantitative data to know 1) how many people are looking for what you want to sell 2) how many competitors already are out there. Once you have a website done in the next step, you can use the brand new Google Search Based Keyword Tool (google.com/sktool/#) to refine your market research. If you have a website type in your url and your keywords.2. Build WebsiteYou website initially needs to do only two things &#8211; 1) let others know that you exist and who you are 2) communicate to them that you know their needs in terms of what are their pains and desires and how you product is absolutely the best solution for them in the world. Your website does not need to cost more than $1,000 and can be put together in a matter of days (not weeks or months). If you want to do it yourself, you can use Word Press or call us.3.Traffic and PromotionUse Google Analytics to track the number of visitors to your website to ensure that you are getting the attention to your message that they deserve. Before you get people to your site, you will need to do some promotion to ensure that this happens. There are a lot of ways to do this, but having the website 1) optimized for on-page manageable factors (meta tags, title, attractive web address (url)) and 2) getting a large number of back links to your website are the most controllable factors.4. Build List of Customers &#8211; Email opt-inWhen customers get to your website, this is where you want to get the big prize &#8211; the customer list. In order to get a list of customers, you offer them a free written, audio or video product that provides some truly valuable information to them in exchange for the their e-mail address and name. It is important to note that you will only get a sustainable business if you provide something of significant value as a &#8220;give away&#8221; at this point. I have seen many &#8211; free PDF reports, &#8220;how to&#8221; audios or videos that are really useful. Make sure that your is too. You can use Aweber or Constant Contact as auto-responder services to obtain the e-mail addresses. These are services that provide the website scripts, capture e-mail lists, provide confirmation e-mail and provide information product.5. Sell Affiliate ProductsAfter you create your website, you will go and find products that are already available that you can sell as an affiliate. What is an affiliate? An affiliate is someone (you) that is selling into a niche market that understands the needs of the customers and can sell products created by someone else. Who is the someone else? Many &#8211; Amazon, Commission Junction, Clickbank. Nearly every big internet retailer has an affiliate program. Look at the bottom of their home page for the words &#8220;affiliate&#8221; or &#8220;associate.&#8221; They provide the whole shopping experience and you get a small commission for doing so. They will give you the tools to list these products attractively on your website with html scripts that are easily implemented.6. Create information productsNow that you have a good idea of who your customers are and what they want, you can easily create your own information products in writing (e-books), audio or video. All it takes is the ability to write, record, film and edit this information in a near professional manner. The content of these products is what is really important. This process sounds very complex, but can be made very simple by someone that does this on a day-to-day basis.7. Sell own informational products and through affiliatesNow that you have your own information products, you can sell your products on your website and also through affiliate programs such as Clickbank and Commission Junction. You will need to augment your website to allow products to be listed, purchased and to accept payment. Since you are now the vendor of these products you will also need to create a purchase, return and shipping policies (if either of these applies). Most customers will want to know about these things before they purchase from you and often will not purchase until they know that you are reliable and that their money is well spent with you.8. Create business planNow that you have proven your business concept on an informational level (and at an affordable level of investment I might add), you are in a much better position to judge for yourself whether this business is investment grade. What is investment grade in this case? The answer to this comes in the form of another self-question: Would you bet that you will get a good return on the money that you are asking others to invest? There are many good business plan templates available for free. All it requires is to get basic questions answered in each section and to formalize into an attractive and readable document.9. Get fundingGet dressed up as appropriate for the money people. If they are bankers, dress in a suit. If they are family or friends, dress as friends or family. If they are colleagues, dress as a colleague. Be professional and honor their time. Make sure that you keep their interest by asking yourself what is in it for them. That is all that matters to them. For family matters, the issue is a little bit different. They will be concerned with family solidarity. In other words, what would happen if you could not pay them back? Would this permanently disrupt your relationship with them? Think about this before you go to them. When you get money there are two questions you will always need to answer for them up front 1) what will you use the money for? 2) from what source will you pay the money back? Know these answers.10. Formalize business organizationThis is the part that most people think about when they think about starting a business. Do you find it strange that this would be the 10th step in this process? Don&#8217;t worry, most other people would too. However, doesn&#8217;t it make more sense to formalize the business after it is making money first and then to formalize it? When I speak about formalizing the business, I am talking about 1) creating an appropriate legal entity (corporation, limited liability corporation or other) within your state or country 2) create tax status with the tax authorities 3) publicly announce the business formation through public recording or periodical announcements or both 4) get a checking or bank account. Note that I am not advocating subverting tax or legal guidelines&#8230;as a matter of fact I am suggesting that you follow the rules, through making your business profitable first.In SummaryThat is all there is to it. What else is there left to business than that? A business is nothing more than delivering answers to problems (pains or desires) of customers and doing so while making profitable sales. Creating new products is just using lateral thinking to create other related products that meet the needs of customers. And what a great life that is&#8230;.help other people while you make money.Follow me on Twitter &#8211; http://twitter.com/frank_dobner© Copyright &#8211; 2008 Frank Dobner </p>
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  197. <h1><a href="http://dwacpnd.info/become-a-pharmacy-technician-and-join-the-booming-health-care-industry/" rel="bookmark" title="Permanent Link to Become a Pharmacy Technician and Join the Booming Health Care Industry">Become a Pharmacy Technician and Join the Booming Health Care Industry</a></h1>
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  204. <p> The health care industry has been one of the fastest growing industries in the U.S. for almost two decades, and there is no sign of a slowdown. When you consider demographic factors such as the baby boomer generation continuing to age, and the Affordable Care Act is projected to give nearly 20 million Americans access to the health care system, together with the fact that pharmaceutical industry is constantly developing new and more effective medications, continued growth in the health care industry is a given.Positions for pharmacy technicians are expected to increase by 32 percent between 2010 and 2020, according to the U.S. Bureau of Labor Statistics. This means that around 100,000 new jobs will be added by 2020 to the 350,000 already employed as pharmacy techs in 2012.Pharmacy Technician TrainingA high school diploma is generally required to become a pharmacy technician, and employers typically prefer candidates with some post-secondary education, ideally a pharmacy technician certificate. A few employers will hire inexperienced persons and train on the job, but most pharmacists prefer to hire pharmacy techs who have already been through a formal training program.The training programs can be found at vocational schools and community colleges, many with online education options. These programs typically take six to 12 months and include classes in the math used in pharmacies, recordkeeping and bookkeeping, dispensing medications, sanitation and safety, as well as pharmacy law. The technicians are required to learn the names, actions, uses and doses of common medications.Certification and LicensingCertification is attestation to your skills and knowledge in pharmacy technology by an independent third party organization. Two national organizations offer pharmacy tech certification: The Pharmacy Technician Certification Board and the National Healthcareer Association. Both certifications require graduating from an accredited training program and passing a comprehensive exam covering all aspects of pharmacy technology.Nearly all states require some form of licensing or registration for pharmacy technicians. A few states just require a high school diploma and a background check for registration; other states require graduation from a formal training program, a background check and passing a comprehensive exam to become licensed as a pharmacy tech.Pharmacy Tech Pay and ProspectsThe BLS reports that pharmacy technicians earned a median salary of $29,320 in 2012. Those employed at outpatient care centers earned the most, taking home an average salary of $38,750 in 2012. Those, who work in doctor&#8217;s offices and at college and university health centers are also on the high end of the pay scale, both averaging around $37,000. Techs working for department stores are at the lower end of the salary scale, only averaging $27,750 in 2012.The sky is the limit in terms of career advancement for pharmacy techs. Given the great demand for pharmacy techs, pharmacists are going to be looking out for up-and-comers to promote to more responsible position. Some technicians enjoy working in the industry so much they decide to go back to school to become a pharmacist. Earning your Pharm.D.would likely requires at least an additional five to six years of education, but your reward is a tripling of your earning power (pharmacist median salary of $116,670 in 2012). </p>
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  215. <h1><a href="http://dwacpnd.info/8-keys-to-proper-diet-and-nutrition/" rel="bookmark" title="Permanent Link to 8 Keys to Proper Diet and Nutrition">8 Keys to Proper Diet and Nutrition</a></h1>
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  222. <p> There are a few misconceptions about diet and nutrition. I don&#8217;t typically like the word diet since many associate it with specific eating habits that are followed for a period of time and then you get off the diet. Nutrition on the other hand is something that we all know is important, but it just seems a fancy word that takes itself too seriously. In the end nutrition seemed to be a better description of what I wanted to explore, so here are some basic guidelines for any general diet and nutrition plan.A healthy body is similar to a finely-tuned car. And there is nothing better than keeping the body tuned than following a balanced diet and nutrition program. This does not have to be restrictive; it should just follow some basic guidelines. The body needs food as its fuel and lifestyle, exercise and mental attitude as its regular maintenance for it to achieve its health potential. This explains the relation between health, diet and nutrition. Putting in the wrong fuel or forsaking the right fuel will prevent your body from delivering its power and best performance. Nothing is more important than proper diet and nutrition because without it, the body engine will splutter, cough and eventually stall. However, when following a balanced diet and nutrition, you can benefit from:<br />
  223. Added vitality and energy<br />
  224. Obtaining the weight that&#8217;s ideal for you<br />
  225. Stronger and more powerful immune system<br />
  226. Improved overall body performance<br />
  227. Delayed effects of aging<br />
  228. Being fit and active<br />
  229. Lessened fatigue and tiredness<br />
  230. Healthy teeth and gums<br />
  231. Enhanced ability for concentration<br />
  232. Total health which means less risks for diseases<br />
  233. How can you achieve proper diet and nutrition?Basically, proper diet and nutrition can be achieved from following the simple guidelines outlined below. A well-balanced diet and nutrition program includes:1. Low fat<br />
  234. Almost all nutritionists and health experts agree that cutting down on fats from butter, cream, fried foods, oils and margarine is the best way to reduce weight and make your modern diet and nutrition healthier. This is also particularly important for a healthy heart.2. Moderate Carbohydrates<br />
  235. Because many people have gone weight-conscious, they have forgotten the importance of rice, potatoes, pasta, cereals and bread to their health. Carbohydrates are important for vitality and energy so if you want to energize your body, take in foods that are rich in good quality carbohydrates.3. High Fiber<br />
  236. Fiber is the large indigestible part of the food that you take in everyday. It doesn&#8217;t only get you chewing, it also keeps the inner part of your body moving smoothly, helps prevent bowel cancer and gallstones, helps lower cholesterol, and keeps your weight in check. Grain breads and whole wheat are good sources of fiber.4. Vitamins and Minerals<br />
  237. Fruits, vegetables and grains are abundant with vitamins and minerals as well as with other natural substances that functions as antioxidants. These foods help the body fight the free radicals that you get from bad foods and pollutants that could damage membranes, and cells.5. Eat Variety of Foods<br />
  238. Eating a variety of foods will help you get all the nutrients your body needs. Try having a meal with foods rich in protein, carbohydrates, vitamins and minerals and you get all the good nutrients your body deserves. Each meal should contain food from all 3 macro nutrient groups.6. Limit Consumption of Sugar and Sweets<br />
  239. Sugar can help you stay active and on the go however, when taken excessively, adds unwanted kilojoules in your body and can displace and dispose other important foods especially in kids. Excessive intake of sugar and sweets may also cause tooth decay and other dental problems.7. Limit Consumption of Salt<br />
  240. The usual diet and nutrition program is laden with salt. While most people think that salt is a good flavoring for all foods, it actually masks the real flavor of the food you are eating. Not only that! Many packaged and prepared meals have high levels of sodium that is bad for your health so it is very important that you buy fresh produce. When buying packaged food, look for labels with no-added-salts or foods with reduced amount of sodium. One other alternative is to switch to sea salt for food preparation.8. Increase Intake of Fluid<br />
  241. Two liters or eight glasses of water is needed to keep your body hydrated as well as to keep your kidneys and other organs working efficiently. Don&#8217;t be fooled by fruit juices, energy drinks, or alcohol! Many of these drinks add calories that people ignore in their daily consumption and drinks like coffee and alcohol actually dehydrate the body. They are not considered helpful fluid because they act as diuretics that force your kidneys to excrete more fluid. Water is your best choice, so stick to it.Summary<br />
  242. Proper diet and nutrition is rather easy to achieve. Just incorporate the above mentioned foods in your daily diet and nutrition program. Enjoy the food you eat and take your time to appreciate them and for sure, you&#8217;ll be healthier than ever! </p>
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  253. <h1><a href="http://dwacpnd.info/why-is-good-nutrition-important/" rel="bookmark" title="Permanent Link to Why Is Good Nutrition Important?">Why Is Good Nutrition Important?</a></h1>
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  260. <p> If you&#8217;re like me, you first heard about nutrition in school, and thought, &#8220;boring.&#8221;  All the dietary facts and statistics are like dates and events in History class.  Once we start learning why the events happened, history becomes interesting and relevant to us now.  When we learn why it&#8217;s important for our current and future lives, good nutrition goes from boring to interesting and essential.  Forget the boring details, this article is all about how to keep from having a weak and tired, mentally slow, impoverished, diseased, short life&#8230;now you&#8217;re interested!Forget Nutritional Values:  Most health articles are all about how much of this you should have or that to avoid&#8230;what is good and what is bad.  You can find that anywhere.  Until you know why that stuff is important, none of it matters.  It just sounds like someone lecturing you on how to live.  I don&#8217;t know about you, but I&#8217;m too busy living to want to spend much time being preached at.  People preached at me for years about smoking being bad for me, but until I experienced what it was actually doing to me, I wasn&#8217;t interested in quitting.  Once I knew why to quit, how to quit was easy.  Once you know why to have good nutrition, how to do it will be easy, too.Nutrition And Energy Now:  Stop drinking liquids for 2 days and tell me how you feel.  Tired?  Go 3 days and you&#8217;ll be dead.  Water is essential.  Every nutrient works the same as water on a slower scale.  The worse your nutrition is, the less energy you will have to live your life.  When we&#8217;re young, we can usually go a long while before we crash, but the crash is certain if we don&#8217;t have a balanced, healthy diet.  When we&#8217;re older, we can feel the crash coming&#8230;trust me.  The first thing nutrition does for you is give you energy for the physical activities of life, today.Nutrition And Mental Ability:  It isn&#8217;t just for physical activities.  How fast you learn and whether you can work through thinking problems all depend on good nutrition.  Deficiencies in some cases can actually cause you to have the symptoms of Alzheimer&#8217;s Disease, or Schizophrenia, for example.  By maintaining good nutrition, you can improve your ability to learn and process information.  Tests of students at all age levels have confirmed this.  Mental ability has to do with more than learning facts and solving problems, though.  Social success depends on picking up and understanding subtle clues.  Often, people are considered slow because poor nutrition causes them to miss those clues and react inappropriately.  If you&#8217;ve ever been laughed at by your peers, it&#8217;s possible a good diet can help prevent that.Nutrition And Income:  Energy, mental ability, education and social skills all combine to determine how we do in the business world.  Since all of these things can be improved, the relationship is obvious between good nutrition and how much money or satisfaction you have, professionally.  One executive put it this way, &#8220;It isn&#8217;t that people are angry, uncooperative and don&#8217;t want to work, it&#8217;s just that they&#8217;re ill due to their poor nutrition choices.&#8221;  Diet changes your emotions; how you see things, how you react to things, what you feel.  It&#8217;s no accident that some executive interviews occur over a meal.  Employers know that people who follow good nutritional habits are better, more productive, more cooperative, healthier employees.Nutrition And Disease:  It&#8217;s probably very obvious to most people that poor diet and disease are related.  Many major diseases, like heart disease and diabetes, have been linked to nutrients for most of our lives.  What isn&#8217;t as obvious is the link between good nutrition in general and almost every disease, from the common cold and flu, to cancer.  Good, balanced nutrients give your body what it needs to fight off minor colds and the terrible, frightening, crippling and life-threatening diseases.  Even if you have a genetic pre-disposition toward certain diseases, good nutrition can reduce the risk of actually getting most of them.  Daily, scientists are finding more and more evidence of the importance of diet in fighting, preventing and curing diseases.Nutrition And Long, Quality Life:  I guess it&#8217;s obvious if the above is true, your life will be longer.  Many studies over the past 6 decades have confirmed a strong relationship between nutrition and longevity.  They&#8217;ve also found that the quality of life is greatly enhanced.Why is nutrition important?  Because you can have more energy, more mental ability, more money, less disease and more life by simply making sure you have a good, balanced intake of nutrients.  Now that you know why, here&#8217;s a resource for information on the what and how of good nutrition.  Knowing why it&#8217;s important will help you navigate the sea of information on vitamins, minerals, proteins, fats, carbohydrates, antioxidants and everything else that&#8217;s out there.  Enjoy! </p>
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