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The amount you spend on your mobile phone is gone if you don't have a mobile phone insurance. However, for those people who are concerned more will have mobile phone insurance.

The mobile phone insurance offers coverage against theft and damage. As no claim bonus, you will also receive free battery replacement and free mobile phone replacement at the end of one or two years. Sounds nice and works great, nah? That is true, with mobile phone insurance you can rest assured that the costs over your mobile phone, even if it is for replacement will be duly taken care of.

Smart people buy mobile phone insurance not from the mobile phone dealers. By shopping outside dealership for mobile phone insurance, you actually cut the cost of mobile phone insurance by half. That is true, many dealers charge you unjustifiable amounts as insurance premium. Why pay more while you can get full coverage for half the prize?

While you take mobile phone insurance, in most cases, you will also get free mobile phone tracking. This works best if someone steals your mobile phone from you. If you find someone has stolen your mobile phone, the first thing to do is inform your service provider. This way you prevent the thief from making long distance calls and transferring the call charges to you. The next step is informing the police about the theft, which will be required to make a claim against mobile phone insurance.

Mobile phone insurance offers coverage against water damage, unintentional damage, theft and fraudulent calls. However, neglect or intentional damage doesn't entitle you to claim for mobile phone insurance.

Just like mobile phone insurance, you can also find variety of options for laptop insurance and even an iPhone insurance. Mobile phone insurance is for people who want something more than general household insurance to protect their valuable items.

However, mobile phone insurance can't provide you with coverage against loss of contact info, kid's birthday party video, Madonna's tracks or Cindy's fashion videos. All mobile phone insurance can offer is you can get a replacement of your equipment, with no additional financial burden on you.

The free or heavily discounted mobile phone you receive while signing up with a service provider can cost you up to 1000, if damage or lose the handset. The service provider has discounted the prize to you, simply because you have promised them your business for one or two years. Mobile phone insurance is your best guarantee against the surprises you don't like to have.

You may be either experienced or have seen one of your friends losing his/her brand new camera cum multimedia player cum mobile phone. Let the horrible experience of out-flow of money from your wallet not happen to you mobile phone insurance helps.

For information on mobile phone insurance check out http://www.mobilephoneinsurance.me.uk/

We also have a business mobile phone insurance section.

Although this is mostly for those who already have a home and want to upgrade their living style, move into a bigger, better and obviously more expensive home. The option of getting a home equity loan can make a world of difference for you, and you should think things carefully. It doesnt matter whether its your first house or your second.

Getting a home loan will be the biggest step you could ever make as an adult and will always entail some work on your part. Buying a house is every Americans dream. It is always a sign of stability and can be a valuable asset when the time comes.

To help you get it right, here are a few tips:

First, prepare yourself.

Know what you can and cant afford. This means going into your financial status and finding out how much you can shell out each month to pay off your loan. Figure into the equation future changes that can affect your ability to pay, like the arrival of a new baby or changes in your job.

Ask people who have had experience in getting a home loan. You would do well to learn from their mistakes and you could also get some valuable information and referrals from them.

Make sure your credit report is A-Ok.

There are not many things that worst than a bad credit history. If youre planning to get a home loan anytime soon, now is the best time to ensure that your credit rating is well above water. If youve had credit trouble in the past, it may impact your chances of getting the home loan of your choice. A bad credit history will not make it impossible, but it will be more difficult for you.

Get your down payment.

There are home mortgages that allow you no down payment, but you might be saddled with higher fees. Putting a down payment on a house will help you get the home loan you want, cut your monthly payments and make paying your loans that much easier. If you have money stashed somewhere, this may be the time to put it into good use.

Pick a rate.

Home loans come with either a fixed rate or a variable rate. A fixed rate will allow you to pay an agreed-upon amount for the duration of your loan and can protect you from a fluctuating market. It is also a good choice if youre working on a tight budget or want to know exactly how much you will be paying each month.

A variable rate loan will have you paying based on the prevailing rates at the time. Although this may seem disadvantageous, you could actually save a lot of money especially in a friendlier-than-usual market.

These are things you need to consider, it is a very important step, buying a home and getting a loan is a serious thing, a home equity loan is one thing you want to know as much as you can about before you start signing papers. learn more about Home Equity Loans.

As important as it is, Search Engine Optimisation is not the only way to drive business to your site - and nor should it be.

Getting metaphorical for a minute - imagine the Web as a town, and SEO as a real estate agent selling you a plot for your shop. If you have a small budget, he might get you a store in a backstreet on the outskirts of town, for a lot more, you could have a shop front on the High Street.

So the store on the High Street is going to do a lot better than the backstreet store right? Well, its certainly got a big advantage - people find it easily and its convenient to get to. But what if the backstreet store puts posters all over town, advertises on the local radio, gets out with a sandwich board etc?

In web marketing its just as important not to forget the other means of getting customers to your site - done well they can more can compensate for a poor position on the search engines, and done in combination with good SEO they can mean a very successful site.

And without them, you run the risk of seeing your SEO work go to waste if competitors up their SEO budget or improve their sites - or Google decides to change the way it ranks sites and you suddenly find yourself evicted from your prime location (as has happened in the past).

Some areas you should consider beyond SEO include:

Advertising your URL
Get your web address out there at every opportunity. Put it on your letterheads, your business card, your bags, the bumper sticker on your car. If you have the budget, advertise in the press or local radio. If you have a bricks-and-mortar store, tell your customers about your website, put special web-only offers on there to encourage them to use it, and to recommend it.

Become an expert
You know your business inside out - so don't be shy to tell people. Your expertise can become a great promotional tool. Write guides and articles on your site that people in your industry, or potential customers, will find useful. If the guides are good - other sites will link to them. You can also try a bit of old-fashioned PR - if your industry is in the news, offer your services as an expert, online and offline. Find the name of your local business reporter or editor and send them press releases with a topical or newsworthy angle. Answer questions on your specialist subject in online forums relevant to your industry. Put a blog on your site, and promote it via blog search engines such as Technorati or using RSS feeds.

Be sociable
Use social networking sites such as YouTube and MySpace - you could even think about uploading video of yourself: if, say, you are a builder why not make a video showing a few "tricks of the trade" for instance. In short - get your face and your name out there.

Directory sites
Add your site to good free online directories, and particularly to ones relevant to your industry. Its worth paying for directory listing too, if the directory proves its worth. Try putting the search terms your customers use to find you into Google, or one of the other search engines, then see which directories show up on the first page.

Relevant Links
Link-building is not only great for SEO - its great for getting you found without the help of search engines. Find sites which offer complimentary services to yours, and don't be shy to ask for a reciprocal link - most companies will be only to glad to get a link from you if you are offering something that helps their customers. For instance, if you are a florist who specialises in wedding flowers, find some sites for local wedding venues and ask for a link. People booking a wedding venue will probably be looking for flowers too.

Newsletters
One of the most cost-effective ways of marketing your site. If someone agrees to sign up for your newsletter, they have already bought into the idea of using your services. Use the newsletter to promote new products, advertise special offers, offer useful advise and create a sense of community.

John Brunsdon is a director of UK Web Design and Marketing company Tickbox Marketing ( http://www.tickboxmarketing.co.uk ). Before setting up Tickbox, John worked for the BBC News website for seven years and is a former national newspaper journalist.

http://www.tickboxmarketing.co.uk

Eye health is very essential. Your eyes indicate both the physical and mental status. It is your duty to have healthy eyes. Most people wear contact lenses for two reasons. One is to overcome eye problems and the other is just for fashion. But these contact lenses become vital part of most of the lives today. It is your responsibility to care of your contact lenses. Most people miss the lenses safety due to improper cleaning and disinfection.

How to get a contact lens? If you are interested to use contact lenses, just seek assistance form professional. They can only suggest you what to use and not to use. Get proper instructions from them if you are using lens for the first time.

How to clean the lens? If you do not care your contact lenses properly, it may affect your eyes badly. First carefully remove the lenses from your eyes. When you clean these lenses, you have to use a cleaner specially produced to clean lenses. Put few drops of this cleaner on the lens. Make use of your index finger for rubbing with the solution on the lenses. Do not be harsh, just wipe it smoothly.

These cleaner cleans your lenses and it also removes the dirt and debris. Try to keep your lenses by disinfecting your lenses from bacteria. If not, the infection will spread to your eyes too. It is not fair to use tap water instead of cleaners. The Bacteria can be transferred from the lens to your eyes by using the bacteria contented tap water.

Tips to be free from problems in connection with contact lenses

When you do not care of lenses, your eyes will get dry and you may feel irritating.

Computer users may not feel comfortable with these contact lenses.

There are possibilities for eye infections due to the poor maintenance of contact lenses.

If you wear disposable contact lenses, you have to wash them after every wear.

Always keep your lenses in your lens case. It has to be keep away from dust particles.

Check the maximum time permitted to wear these lenses. Some lenses can be used only for one week and some for month. Remove them after certain period.

Always wear on or wear off your lenses with dry hands. The hands should be free from oils, perfumes, beauty creams, nail polish remover, sunscreen lotions etc. They may go inside your eyes and create eye problems.

Your eyes have to be moisturized. If not use eye drops to moisturize your eyes before using lenses.

Always put lenses after finishing all your face make ups.

Quite few UK Online Shopping sites offers cashback, discount for their members on online shopping of Cheap Sunglasses, shoes, watches and great deals on electrical stores from Currys Online Shopping.

Success is a part of everyone's life. Everyone is obsessed with being a success, failure just isn't an option in today's modern life. For this reason a persons appearance is much more important than it has ever been before. Everyone wants to look perfect, they think that if they look good this means that they are also morally conscious. This is why so many people are so interested in either getting into shape, or staying in shape. This is especially true after the holiday season when people start to feel a little guilty for over indulging.

The first place to start is to look at your current diet, what do you currently eat? If you eat a lot of chips, fast food, hamburgers and soda then perhaps this is the root of your problems. You need to eat a lot of vegetables and fruit in order to maintain your body's natural balance. Fast food may seem tempting because it tastes so nice, however it isn't doing your body any good. You must stop eating junk food if you want to get into shape.

Your body hangs onto things that it might want to use in the future. Energy is one of these things. Eating fast food provides you with more energy than you need. However your body will store this energy for future use. It's stored in fat. You must stop eating this type of food in order to cut down on the amount of flab you suffer from. Eat healthier options instead of this junk food.

The next important thing to do is exercise. Dieting is all well and good, but it won't actually help you to shed the pounds you already have. Exercising will burn off fat that your body has already accumulated. You can do anything, just a brisk walk is often enough. The longer you can exercise the better. Don't starve yourself, let your diet and exercise regime become fun!

Fightfat.info offers you the latest information on weight loss, articles, and reviews about the numerous weight loss products that are on the market.

I have been working online since 1995 and have did many different ways of marketing. Pay Per click was one way I created traffic to my website.

Now video post marketing is the way I create most of my website traffic. If you are not posting video to market online you are missing the punch With your online marketing campaign. With pay per click you can lose a lot of money if you just jump in and not learn how it all really works. Believe me, I did it the wrong way an I lost a lot of money.

Lets say you have $100.00 to spend on pay per click. So you set up a pay per click account and start paying for every time some one clicks on your ad. The next day you login to your account to find out the $100.00 is all gone, spent in the last 24 hours. But you did not make any sells on your website. Now What?

Either you put more money in your account or maybe learn video post marketing like I did.

If you would have told me one year ago that I would be posting video to market my products online I would have laughed at you. I had no clue how to operate my wifes digital camera much less post a video. I did my first video surfing at youtube Jan. 27, 2007. Now less than 6 months time I have posted over 70 video's to youtube and 37 other video hosting sites with one template.

Now I don't have to use my money for pay per click. I post a video and in many cases I have had first page results in Google, less than 24 hours. The best part is every time some one clicks on my video that I posted does not cost me anything.

If you are looking for a new concept to market online with video post marketing is really fast for results and cheap. Your video will always be there unlike pay per click, when your money is gone your ad is gone also. Can't get traffic like that.

There are services on the internet now that make video post marketing easy to learn. You don't need a camera. You can create a video within one hour and then post it to 38 free video hosting sites and 12 social book marking sites with one submission. You can a learn with video's, how to do this easy video post marketing to create real quality traffic with out pay per click.

Corey Hoffman has been working online since 1995. He teaches his team members with video's and how to market online with video post marketing. To read more about his experience with video post marketing visit http://www.Video-Post-Marketing.com

Learn to create a video with out owning a camera. Video post marketing is the cheapest way to advertise online and get fast result. I post my video posting statics on my website to show you that I get first page result within 24 hours of posting my video's. http://www.Video-Post-Marketing.com

Supplemental Result the term no company wants to see next to their website on the search page. Unfortunately though, millions of websites reside in Googles purgatory, destined to receive only minimal traffic. Why does the supplemental index exist? How can a website get out of it? The following will suggest the top 4 ways to get out of Googles supplemental results.

Remove Duplicate Content
90% of the time, a website is in the supplemental index because it contains content (usually text), that exists on many other websites. A few examples of this would be manufacturer product descriptions or syndicated content such as news or articles. How do you fix this? Simple, re-write content and make it original to your website.

Cleanup Complicated URL Parameters
Many websites, especially sites that rely on databases, use query strings in the URLs. For example, the parameter after the url might look like: ID=123&SOURCE=1234. Unfortunately, many search engine spiders dont like crawling these pages. One reason is that engines consider each url as a unique page, even if it has the same content. So although the pages with or without the parameter may have the exact same content, you may incur a duplicate content penalty.

Whats the solution for this? Try to minimize using parameters if possible. While using them for external campaign tracking may be alright, definitely avoid them in the internal linking structure.

Many websites now are re-writing their ugly URLs with re-writing software. This also has search engine optimization benefits as well. Software such as this is available for both Windows and Apache servers.

Practice Deep Linking
While links to the homepage are great, targeted links to detail pages within your site will ensure that pages dont get orphaned and ignored by the spiders. If the crawler always starts at your home page, its likely it will abandon the effort before crawling your whole site. Deep linking to content gives spiders a new starting point to find fresh and relevant pages.

Only the Beginning
The ideas listed above are only a few of the many tactics necessary to ensure your site stays out of Googles purgatory. However, implemented properly, they will begin to show the search engines that your content is fresh, relevant, and trustworthy. Because after all, supplemental free is the way to be.

About the Author

Justin Palmer has been involved in internet marketing for 5 years, specializing in search engine marketing for small business

His current project is C28.com, a specialty retailer of Christian apparel, Christian Hats and accessories.

How do you know if your content is duplicate? Try this tool: http://www.webconfs.com/similar-page-checker.php

What is a Pre-Existing Medical Condition?

When a trip cancellation travel insurance company refers to a "Pre-Existing Condition", they are talking about medical conditions that exist in the Lookback Period that immediately preceeds the travel insurance purchase date.

Simply put, a Pre-Existing Condition is any medically documented condition (no matter how minor) an Insured Person, Traveling Companion or Family Member has been treated for, consulted with or received advice on. This includes any adjustments or changes in any prescription drugs or medication during the Lookback Period. The condition has to be medically stable.

Medically Stable also includes the idea that nothing is foreseen or expected to "be a turn for the worse". In other words if you're given a week to live and you want to buy travel insurance for a cruise next month, you can't cover the Pre-Existing Condition. It's like wanting to buy Fire Insurance when your house is on fire.

Here's some actual policy wording:

Any injury, illness, sickness or medical condition of an Insured or Family Member which either manifests itself or exists during the Lookback Period immediately preceding the day you buy Travel Insurance, unless the condition is controlled through the taking of prescription drugs or medication and remains controlled throughout the Lookback Period. A pre-existing condition has manifested itself when medical care, treatment or diagnosis has been given.

What this means is starting today, if during the Lookback Period:

• You, a traveling companion or a family member, has any injury, illness, disease, sickness or medical condition and
• Has been diagnosed, treated for it, had any prescription changes (increase or decrease), been advised to be treated, had symptoms of it, hopitalized, saw a medical professional for it, etc.
• Then that person has a Pre-Existing Condition as defined by a Travel Insurance policy. Note: If that person has a medical condition thats farther in the past than the Lookback Period, they don't have a Pre-Existing Condition.

Why is this important?

You can cancel or interrupt your trip or receive medical treatment even if you have a Pre-Existing Condition if you follow the rules.

Trip cancellation travel insurance excludes claims due to pre-existing medical conditions. Some travel insurance plans will waive the pre-existing condition exclusion at no extra charge if you get your travel insurance in the first 10, 14 or 21 days after your first trip payment date (before the end of these 10, 14 or 21 days).

Any payment on your trip is considered the first payment. This includes the tax you pay when you redeem frequent flyer tickets, refundable deposits or even a trip planning consultation fee if that fee is later credited toward your trip costs.

You'll protect yourself if you have to cancel or interrupt your trip or receive medical treatment because of that pre-existing medical condition. There are three primary rules to keep in mind:

• You have to insure your trip's full prepaid, non-refundable cost and
• person with the medical condition has to be medically stable when you get your insurance and
• You must get your travel insurance in the first 10, 14 or 21 days after your first trip payment date

If you're past the first 10, 14 or 21 days you will be governed by the "Lookback Period".

What's the bottom line?

If Pre-Existing Conditions are a concern for you or your traveling companions, you have to buy your trip cancellation travel insurance within the deadlines.

Steve Dasseos is the CEO of TripInsuranceStore.com. You can compare travel insurance policies at this website. Contact Steve here.

The home of the most famous naval facility in the world, Honolulu, Hawaii is a popular tourist destination. Relocating to Honolulu may require a big wallet or picking up some extra work.

Honolulu is the capital of Hawaii and the seat of Honolulu County. The citys name means "protected harbor." Considered a cosmopolitan city, Honolulu is located on the southern coast of Oahu near the Koolau mountain range and an extinct volcano. Some famous people are natives, including Nicole Kidman, Bette Midler and golfer Michelle Wie. Honolulu is a major U.S. city with an estimated population of 377,379 residents in 2005. The average age of Hilos citizenry is 42.7 years with 17.7% of people over the age of 65. The Asian community is dominant with 58.6% of the population. White Non-Hispanic residents accounted for 17.5%, only 6.3% were Native Hawaiian or Pacific Islanders. The average household size was 2.5 people with 45% of city homes occupied by married-couple families. Poverty affected 12% of Honolulu residents.

All income brackets for Honolulu residents were higher than the U.S. The median income of households was $50,793, about $4,500 above the national average. Per Capita income was $27,661, compared with $25,035 for the average U.S. worker. Social Security benefits were paid out to 32% of city households. Tourism related jobs were top of the list for both men and women in the accommodation and food services industry. The largest single employer is the government with various military installations, including the famous Pearl Harbor. The unemployment rate has been low, just 2.8% for Honolulu County in January of 2005. Honolulu is the Aloha state's center of business, culture, and politics. The sugar industry was once powerful before the fall of Hawaiis monarchy and annexation to the United States. Commercial development is taking root where agricultural fields and plantations have closed. Housing prices neared the half-million mark by 2005 with an average home value of $481,000. There is an upside for people relocating to Honolulu. The city has very affordable property taxes with an average of $1,197 for homes with mortgages. Median monthly housing costs for mortgaged owners was $1,817, while renters were paying $920 a month for their living space.

Hawaii is the only state with a single, unified school system. With a student to teacher ratio of nearly 17 to 1, the average funding per pupil was $7,455 in 2003. Among those 16 to 19 years old in Honolulu, a mere 1% were dropouts according to U.S. Census data in 2005. The total school enrollment for the city was 82,000. Meanwhile, college and graduate school enrollment totals over 30,000 students annually. In 2005, 34.7% of Honolulu people over 25 reported having a bachelor's degree or higher. Major Colleges and Universities in the city include the University of Hawaii at Manoa, Hawaii Pacific University, and Brigham Young University-Hawaii

The roots of Hawaiis monarchy remain in Honolulu with the Iolani Palace. It is the only royal palace in the United States. After relocating into Honolulu, the American government ousted Hawaiis rulers in the last half of the 20th century. Years later, Hawaii was made the countrys 50th state. In recent years, the U.S. has attempted to make amends by acknowledging the Hawaiian sovereignty. Lawmakers want the U.S. government to recognize Native Hawaiians as it does American Indians and Native Alaskans. Among other tourist destinations in Honolulu that act as a symbol of the Hawaiian culture is citys capitol building which resembles a volcano. Pearl Harbor is a major tourist point, with the U.S.S. Arizona Memorial, the Battleship Missouri Memorial, and the National Cemetery of the Pacific.

The beautiful beaches of Waikiki lend to Honolulus popularity, as does a semitropical climate. Temperatures remain warm yearlong, while summer trade winds help to provide relief. Seasonal weather changes in Honolulu are the least noticeable of any U.S. city. The average temperature for August is 81.4 degrees with a yearly average of 77.2. January is the coldest month at 73 degrees. The average annual precipitation in Honolulu is one of the lowest in the islands at 22 inches. Waikiki attracts people who like sailing, snorkeling, surfing, scuba diving, kayaking, or outrigger canoeing. Game fishing for marlin and tuna are also popular during the spring and summer.

Learn more about relocating to Hawaii at MovingCompaniesforyou.com.

As is the case when applying for any mortgage, be it a residential or a commercial mortgage, the better your credit and the better the collateral, the easier the process becomes. But that doesn't mean that if your credit is less than perfect, or you want to purchase commercial property in a less then desirable part of the city, that you are automatically locked out of getting the money you need. It just means that you need a "friend" in the business.

When you are applying for a commercial mortgage your potential lender will consider your credit rating, your business' balance sheet, the purpose of the loan, and the type and location of the proposed property as well as that property's appraised value. If every one of these items do not fall within the lender's acceptable guidelines then you may get a "no thank you" instead of a pile of money. Considering the amount of paperwork that you may have to complete in order to get a decision, be it a positive or negative one, you want to make sure that you have the best chances of securing that loan before you even start.

And that is where having a "friend" in the commercial mortgage business comes into play. If you were going duck hunting, and only had one shell with you, then you'd better be a pretty good shot. On top of that, you'd better not be planning to serve roast duck to a crowd because you're only coming home with one duck if any. Oddly enough, the same holds true when you are applying for a commercial mortgage.

Different lenders have different requirements for granting an approval. Since your goal is to make getting a commercial mortgage loan approval as easy as possible then you need to carry more than one shell with you. The best way to do that is to use the services of a commercial mortgage broker. A broker represents you and submits your commercial mortgage loan application to many lenders. Your "one shell" turns into a whole case of ammo as your application makes it across the desk of potentially hundreds of lenders. The odds are greatly in your favor that you are going to get an approval from at least one lender and, the truth is, many borrowers end up with several interested lenders and can actually negotiate the terms and conditions which suit them exactly.

Since your commercial mortgage loan broker doesn't earn their fee unless you get approved, they work with you to make getting a commercial mortgage loan as easy as possible. And, since the broker gets paid by the lender and not you, there is absolutely no reason not to engage their services.

Even if you had access to the same quantity of lenders as a broker does, you would have to fill out a separate commercial mortgage application and submit it to each lender. That process alone would take you more time than it takes to drive across the continent. A broker uses the same application and sends it to all of their lenders. That fact alone makes it easier to get a commercial mortgage than doing it yourself does. Even better is the fact that the broker already knows the terms and conditions that each of their lenders utilize. The broker will only send your application to those lenders whose qualifications you already meet.

Just like with everything else in life, there is an easy way and a hard way. If you're looking for the easy way to get a commercial mortgage loan then I suggest finding the best broker for your needs and let them do all the work. It doesn't get any easier than that!

About the Author
Commercial Lifeline are independent Commercial Mortgage brokers saving you money on your Commercial Mortgage and Bridging Finance through lender choice.

Download our free Commercial Mortgage guides by visiting our Commercial Mortgage Guide page.

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