Does Your Employer 401k Need Help?

By David C Lewis, RFA

Employer 401k plans are a popular tool used for retirement planning. One of a few problems with 401k pans is the investor's reliance on employer matching for the plan. This may cause an employee to rely too much on the employer and not contribute enough to savings. Most Americans have no idea how much money they should be saving. If you have never used one, a retirement calculator will probably leave your jaw on the floor in amazement. Planning for retirement is a difficult task and can't be taken lightly.

Even if a professional financial planner is helping you, the financial planning process is hard. There are a lot of variables. The age you want to retire at, when you start saving money, how much you save, and the interest rate you earn are just some of the many considerations you have to think about. One of the biggest concerns may be your health when entering retirement and how long you live after you retire.

You also need a way to account for fiscal irresponsibility on the part of Government (i.e. inflation) and what that will do to your retirement savings. On the internet there are dozens of retirement calculators available, sponsored by retirement organizations, investment companies and other businesses in the money management business that can help you do this. What most of the calculators will show you, is that for most people, even relying on Social Security, you will need a lot of retirement savings to maintain a near pre - retirement standard of living.

If the economy is able to grow enough to outpace inflation, your investments must be able to keep up. Even still, with inflation running 3%-5%, your investments are losing value and struggling to keep up.

Years ago our parents and grandparents, grew up in a time when a $50 a week wage was respectable income, and even during mid life that respectable income had quadrupled to $200 a week. But now, more than 50 years later, it would be foolish to expect to be able to live off $200 a week, and the $50 a week income is minor in today's economy.

So, today's wage earners making $500 to $1,000 a week in income can expect similar changes when they reach retirement age. Today's calculations will show wage earners that they should expect to have a retirement nest egg of close to $1 million dollars to retire comfortably in 20 or 30 "Retirement Calculator" years.

One calculator tested online showed that an adult starting with an assets of $100,000 and adding $4,000 year to that nest egg would enter retirement with almost $900,000 but still be bankrupt by 85.

Part of managing your income is setting aside savings and investing a part of it (note, not ALL of it) for your future. Even though it's difficult to forecast the future, it is necessary due to the nature of human beings and the requirement of long-range planning. There is a wealth of assistance available on the internet to get you started, and professional advisors ready to help when needed. - 16036

About the Author:

Author information: Only so much information can be covered in one article. If you want more information about any aspect of planning your personal finances, please visit David's website.

Does Your Employer 401k Need Help?

By David C Lewis, RFA

Most Americans rely on 401ks for the bulk of their retirement. A serious problem with 401K plans is the investor's reliance on employer matching for the plan. This may cause an employee to rely too much on the employer and not contribute enough to savings. But, if you have not taken a serious look at retirement planning yet, nothing will give you a wake up call like using one of the many retirement calculators available on the internet. Retirement planning, which is essential for every adult, certainly is a difficult task and shouldn't be taken lightly.

Even when you use a professional adviser, the financial planning process can be difficult. There are just so many variable to consider: the age at which you retire, the age at which you start saving money, and the amount you save for retirement are just a few considerations.

Perhaps the most difficult thing to plan for is inflation. Inflation is caused by Government printing currency. Because that changes from administration to administration, it's hard to predict what policy will be 20 or 30 years from now. On the internet there are dozens of retirement calculators available, and there is a lot of information and ideas on how to plan for this. Some of them seem more plausible than others. In as far as retirement calculators go, what most of them will show you is that you simply cannot rely on Social Security. Even if you do, you will still need to save a substantial amount of money just to maintain something resembling a pre-retirement standard of living.

The economy will probably recover, and continue to grow. However with inflation at anywhere between three and five percent, you are going to be gaining and losing value in your investments based on how much your savings is being eroded.

$50 a week used to be a "normal" wage. Even during mid-life that level of income had increased to $200 a week. Now, however, you would not even think of trying to live off of $200 a week, let along $50/week.

If you make $500 or $1,000 a week, you can expect a similar phenomenon when you retire. A retirement calculator will show that you should have a retirement nest egg close to $1 million dollars to retire comfortably in 20 or 30 years.

One of the calculators tested showed shocking results: an adult starting with $100,000 adding $4,000 year to that would retire with nearly $900,000 but would end up broke by the time they were 85 years old!

An essential part of managing your existing income is setting aside and investing funds for your retirement. Despite the difficulty of estimating your retirement income and expenditures, there is a wealth of assistance available on the internet to get you started, and professional advisors ready to help when needed. - 16036

About the Author:

Author: Only so much information can be covered in one article. If you want more information about any aspect of personal financial planning, please visit David's website.

Should You Do An Ira Rollover, 401k, Or Just Save More Money?

By David C Lewis, RFA

Most Americans rely on 401ks for the bulk of their retirement. A serious problem with 401K plans is the investor's reliance on employer matching for the plan. This may cause an employee to rely too much on the employer and not contribute enough to savings. But, if you have not taken a serious look at retirement planning yet, nothing will give you a wake up call like using one of the many retirement calculators available on the internet. Retirement planning, which is essential for every adult, certainly is a difficult task and shouldn't be taken lightly.

Even if a professional financial planner is helping you, the financial planning process is hard. There are a lot of variables. The age you want to retire at, when you start saving money, how much you save, and the interest rate you earn are just some of the many considerations you have to think about. One of the biggest concerns may be your health when entering retirement and how long you live after you retire.

Perhaps the most difficult thing to plan for is inflation. Inflation is caused by Government printing currency. Because that changes from administration to administration, it's hard to predict what policy will be 20 or 30 years from now. On the internet there are dozens of retirement calculators available, and there is a lot of information and ideas on how to plan for this. Some of them seem more plausible than others. In as far as retirement calculators go, what most of them will show you is that you simply cannot rely on Social Security. Even if you do, you will still need to save a substantial amount of money just to maintain something resembling a pre-retirement standard of living.

History shows us that the economy will continue to grow, and with an inflation rate of about three to five percent, your investments are both growing and losing value at the same time depending on both of those rates.

Your parents and grandparents may have grown up in a time when a $50 a week wage was normal. Now, however, that's completely unrealistic. More than 50 years later, there is no way you could expect to live off $200 a week.

So, today's wage earners making $500 to $1,000 a week in income can expect similar changes when they reach retirement age. Today's calculations will show wage earners that they should expect to have a retirement nest egg of close to $1 million dollars to retire comfortably in 20 or 30 "Retirement Calculator" years.

An online calculator calculated that an adult starting with $100,000 and adding $4,000 year to that would retire with almost $900,000 but end up broke by age 85.

Part of managing your income is setting aside savings and investing a part of it (note, not ALL of it) for your future. Even though it's difficult to forecast the future, it is necessary due to the nature of human beings and the requirement of long-range planning. There is a wealth of assistance available on the internet to get you started, and professional advisors ready to help when needed. - 16036

About the Author:

Author: David Lewis, RFA is a professional financial adviser. If you want more information about any aspect of personal finance, please visit David's website.

Does Your Individual 401k Need Help?

By David C Lewis, RFA

For most Americans who have not started planning for their retirement,401k plans seem like a "good bet". A serious problem with this idea is the investor's reliance on employer matching for the plan. This may cause an employee to rely too much on the employer and not contribute enough to savings. Nothing will give you a wake up call like using a retirement calculator. You can find them on the internet from a variety of places. Retirement planning is hard, and it isn't something you just throw together unthinkingly.

Even if a professional financial planner is helping you, the financial planning process is hard. There are a lot of variables. The age you want to retire at, when you start saving money, how much you save, and the interest rate you earn are just some of the many considerations you have to think about. One of the biggest concerns may be your health when entering retirement and how long you live after you retire.

Perhaps the most difficult thing to plan for is inflation. Inflation is caused by Government printing currency. Because that changes from administration to administration, it's hard to predict what policy will be 20 or 30 years from now. On the internet there are dozens of retirement calculators available, and there is a lot of information and ideas on how to plan for this. Some of them seem more plausible than others. In as far as retirement calculators go, what most of them will show you is that you simply cannot rely on Social Security. Even if you do, you will still need to save a substantial amount of money just to maintain something resembling a pre-retirement standard of living.

Recent history shows us that the economy will continue to grow, and with an inflation rate of about three to five percent, your investments are both growing and losing value at the same time depending on both of those rates.

Years ago our parents and grandparents, grew up in a time when a $50 a week wage was respectable income, and even during mid life that respectable income had quadrupled to $200 a week. But now, more than 50 years later, it would be foolish to expect to be able to live off $200 a week, and the $50 a week income is minor in today's economy.

If you make $500 or $1,000 a week, you can expect a similar phenomenon when you retire. A retirement calculator will show that you should have a retirement nest egg near $1 million dollars to retire comfortably in 20 or 30 years.

One of the calculators tested showed shocking results: an adult starting with $100,000 adding $4,000 year to that would retire with nearly $900,000 but would end up broke by the time they were 85 years old!

Part of managing your income is setting aside savings and investing a part of it (note, not ALL of it) for your future. Even though it's difficult to forecast the future, it is necessary due to the nature of human beings and the requirement of long-range planning. There is a wealth of assistance available on the internet to get you started, and professional advisors ready to help when needed. - 16036

About the Author:

Author: There is only so much information that can be covered in one article. If you want more information about any aspect of personal finance, please visit David's website.

Does Your Employer 401k Need Help?

By David C Lewis, RFA

For most Americans who have not started planning for their retirement,individual 401k plans seem like a "good bet". A serious problem with this idea is the investor's reliance on employer matching for the plan. This could cause an employee to rely too much on the employer and not contribute enough to savings. Nothing will give you a wake up call like using a retirement calculator. You can find them on the internet from a variety of places. Retirement planning is hard, and it isn't something you just throw together haphazardly.

Even if a professional financial planner is helping you, the financial planning process is hard. There are a lot of variables. The age you want to retire at, when you start saving money, how much you save, and the interest rate you earn are just some of the many considerations you have to think about. One of the biggest concerns may be your health when entering retirement and how long you live after you retire.

Perhaps the most difficult thing to plan for is inflation. Inflation is caused by Government printing currency. Because that changes from administration to administration, it's hard to predict what policy will be 20 or 30 years from now. On the internet there are dozens of retirement calculators available, and there is a lot of information and ideas on how to plan for this. Some of them seem more plausible than others. In as far as retirement calculators go, what most of them will show you is that you simply cannot rely on Social Security. Even if you do, you will still need to save a substantial amount of money just to maintain something resembling a pre-retirement standard of living.

If the economy is able to grow enough to outpace inflation, your investments must be able to keep up. Even still, with inflation running 3%-5%, your investments are losing value and struggling to keep up.

Your parents and grandparents may have grown up in a time when a $50 a week wage was normal. Now, however, that's completely unrealistic. More than 50 years later, there is no way you could expect to live off $200 a week.

If you make $500 or $1,000 a week, you can expect a similar phenomenon when you retire. A retirement calculator will show that you should have a retirement nest egg near $1 million dollars to retire comfortably in 20 or 30 years.

One calculator tested online showed that an adult starting with an assets of $100,000 and adding $4,000 year to that nest egg would enter retirement with almost $900,000 but still be bankrupt by 85.

An essential part of managing your existing income is setting aside and investing funds for your retirement. Despite the difficulty of estimating your retirement income and expenditures, there is a wealth of assistance available on the internet to get you started, and professional advisors ready to help when needed. - 16036

About the Author:

Author: There is only so much information that can be covered in one article. If you would like more detailed information about any aspect of financial planning, please visit David's website.

Should You Do An Ira Rollover, 401k, Or Just Save More Money?

By David C Lewis, RFA

401ks are a popular tool used for retirement planning. One of a few problems with 401k pans is the investor's reliance on employer matching for the plan. This may cause an employee to rely too much on the employer and not contribute enough to savings. Most Americans have no idea how much money they should be saving. If you have never used one, a retirement calculator will probably leave your jaw on the floor in amazement. Planning for retirement is a difficult task and shouldn't be taken lightly.

Because there are so many variables in preparing a financial plan for retirement, the process can be difficult, at best, even when you are using a professional advisor. Some of these variables are: the age at which you retire, the age at which you start your savings, the amount you save for retirement, how much your retirement savings earn over the years and into retirement, how much debt you have, if any, at the age you plan to retire, and the quality of your health entering retirement and how long you live after retirement.

Perhaps the most difficult thing to plan for is inflation. Inflation is caused by Government printing currency. Because that changes from administration to administration, it's hard to predict what policy will be 20 or 30 years from now. On the internet there are dozens of retirement calculators available, and there is a lot of information and ideas on how to plan for this. Some of them seem more plausible than others. In as far as retirement calculators go, what most of them will show you is that you simply cannot rely on Social Security. Even if you do, you will still need to save a substantial amount of money just to maintain something resembling a pre-retirement standard of living.

The economy will probably recover, and continue to grow. However with inflation at anywhere between three and five percent, you are going to be gaining and losing value in your investments based on how much your savings is being eroded.

Your parents and grandparents may have grown up in a time when a $50 a week wage was normal. Now, however, that's completely unrealistic. More than 50 years later, there is no way you could expect to live off $200 a week.

If you make $500 or $1,000 a week, you can expect a similar phenomenon when you retire. A retirement calculator will show that you should have a retirement nest egg near $1 million dollars to retire comfortably in 20 or 30 years.

One of the calculators tested showed shocking results: an adult starting with $100,000 adding $4,000 year to that would retire with nearly $900,000 but would end up broke by the time they were 85 years old!

An essential part of managing your existing income is setting aside and investing funds for your retirement. Despite the difficulty of estimating your retirement income and expenditures, there is a wealth of assistance available on the internet to get you started, and professional advisors ready to help when needed. - 16036

About the Author:

Author information: Only so much information can be covered in one article. If you would like more detailed information about any aspect of personal financial planning, please visit David's website.

Why Your Individual 401k Might Not Be Enough

By David C Lewis, RFA

For most Americans who have not started planning for their retirement,individual 401k plans seem like a "good bet". A serious problem with this idea is the investor's reliance on employer matching for the plan. This can cause an employee to rely too much on the employer and not contribute enough to savings. Nothing will give you a wake up call like using a retirement calculator. You can find them on the internet from a variety of places. Retirement planning is hard, and it isn't something you just throw together without analyzing your needs and wants.

Even when you use a professional adviser, the financial planning process can be difficult. There are just so many variable to consider: the age at which you retire, the age at which you start saving money, and the amount you save for retirement are just a few considerations.

You also need a way to account for fiscal irresponsibility on the part of Government (i.e. inflation) and what that will do to your retirement savings. On the internet there are dozens of retirement calculators available, sponsored by retirement organizations, investment companies and other businesses in the money management business that can help you do this. What most of the calculators will show you, is that for most people, even relying on Social Security, you will need a lot of retirement savings to maintain a near pre - retirement standard of living.

The economy will probably recover, and continue to grow. However with inflation at anywhere between three and five percent, you are going to be gaining and losing value in your investments based on how much your savings is being eroded.

$50 a week used to be a "normal" wage. Even during mid-life that level of income had increased to $200 a week. Now, however, you would not even think of trying to live off of $200 a week, let along $50/week.

If you make $500 or $1,000 a week, you can expect a similar phenomenon when you retire. A retirement calculator will show that you should have a retirement nest egg near $1 million dollars to retire comfortably in 20 or 30 years.

One of the calculators tested showed shocking results: an adult starting with $100,000 adding $4,000 year to that would retire with nearly $900,000 but would end up broke by the time they were 85 years old!

Part of managing your income is setting aside savings and investing a part of it (note, not ALL of it) for your future. Even though it's difficult to forecast the future, it is necessary due to the nature of human beings and the requirement of long-range planning. There is a wealth of assistance available on the internet to get you started, and professional advisors ready to help when needed. - 16036

About the Author:

Author information: Only so much information can be covered in one article. If you want more information about any aspect of personal financial planning, please visit David's website.

Should You Do An Ira Rollover, 401k, Or Just Save More Money?

By David C Lewis, RFA

Individual 401k plans are a popular tool used for retirement planning. A serious problem with 401K plans is the investor's reliance on employer matching for the plan. This may cause an employee to rely too much on the employer and not contribute enough to savings. Most Americans have no idea how much money they should be saving. If you have never used one, a retirement calculator will probably leave your jaw on the floor in amazement. Planning for retirement is a difficult task and cannot be taken lightly.

Because there are so many variables in preparing a financial plan for retirement, the process can be difficult, at best, even when you are using a professional advisor. Some of these variables are: the age at which you retire, the age at which you start your savings, the amount you save for retirement, how much your retirement savings earn over the years and into retirement, how much debt you have, if any, at the age you plan to retire, and the quality of your health entering retirement and how long you live after retirement.

You also need a way to account for fiscal irresponsibility on the part of Government (i.e. inflation) and what that will do to your retirement savings. On the internet there are dozens of retirement calculators available, sponsored by retirement organizations, investment companies and other businesses in the money management business that can help you do this. What most of the calculators will show you, is that for most people, even relying on Social Security, you will need a lot of retirement savings to maintain a near pre - retirement standard of living.

Recent history shows us that the economy will continue to grow, and with an inflation rate of about three to five percent, your investments are both growing and losing value at the same time depending on both of those rates.

Your parents and grandparents may have grown up in a time when a $50 a week wage was normal. Now, however, that's completely unrealistic. More than 50 years later, there is no way you could expect to live off $200 a week.

If you make $500 or $1,000 a week, you can expect a similar phenomenon when you retire. A retirement calculator will show that you should have a retirement nest egg of about $1 million dollars to retire comfortably in 20 or 30 years.

An online calculator estimated that an adult starting with $100,000 and adding $4,000 year to that would enter retirement with almost $900,000 but end up broke by age 85.

Part of managing your income is setting aside savings and investing a part of it (note, not ALL of it) for your future. Even though it's difficult to forecast the future, it is necessary due to the nature of human beings and the requirement of long-range planning. There is a wealth of assistance available on the internet to get you started, and professional advisors ready to help when needed. - 16036

About the Author:

Author: Only so much information can be covered in one article. If you would like more detailed information about any aspect of personal financial planning, please visit David's website.

Is Your Individual 401k Going To Be Enough?

By David C Lewis, RFA

For most Americans who have not started planning for their retirement,401ks seem like a "good bet". A serious problem with this idea is the investor's reliance on employer matching for the plan. This could cause an employee to rely too much on the employer and not contribute enough to savings. Nothing will give you a wake up call like using a retirement calculator. You can find them on the internet from a variety of places. Retirement planning is hard, and it isn't something you just throw together unthinkingly.

Even when you use a professional adviser, the financial planning process can be difficult. There are just so many variable to consider: the age at which you retire, the age at which you start saving money, and the amount you save for retirement are just a few considerations.

You also need a way to account for fiscal irresponsibility on the part of Government (i.e. inflation) and what that will do to your retirement savings. On the internet there are dozens of retirement calculators available, sponsored by retirement organizations, investment companies and other businesses in the money management business that can help you do this. What most of the calculators will show you, is that for most people, even relying on Social Security, you will need a lot of retirement savings to maintain a near pre - retirement standard of living.

The economy will probably recover, and continue to grow. However with inflation at anywhere between three and five percent, you are going to be gaining and losing value in your investments based on how much your savings is being eroded.

Your parents and grandparents may have grown up in a time when a $50 a week wage was normal. Now, however, that's completely unrealistic. More than 50 years later, there is no way you could expect to live off $200 a week.

If you make $500 or $1,000 a week, you can expect a similar phenomenon when you retire. A retirement calculator will show that you should have a retirement nest egg of about $1 million dollars to retire comfortably in 20 or 30 years.

An online calculator showed that an adult starting with assets of $100,000 and adding $4,000 year to that would enter retirement with almost $900,000 but end up broke by age 85.

Part of managing your income is setting aside savings and investing a part of it (note, not ALL of it) for your future. Even though it's difficult to forecast the future, it is necessary due to the nature of human beings and the requirement of long-range planning. There is a wealth of assistance available on the internet to get you started, and professional advisors ready to help when needed. - 16036

About the Author:

Only so much information can be covered in one article. If you want more information about any aspect of personal financial planning, please visit David's website.

Does Your Employer 401k Need Help?

By David C Lewis, RFA

For most Americans who have not started planning for their retirement,401k plans seem like a "good bet". A serious problem with this idea is the investor's reliance on employer matching for the plan. This may cause an employee to rely too much on the employer and not contribute enough to savings. Nothing will give you a wake up call like using a retirement calculator. You can find them on the internet from a variety of places. Retirement planning is hard, and it isn't something you just throw together at the last minute.

Even if a professional financial planner is helping you, the financial planning process is hard. There are a lot of variables. The age you want to retire at, when you start saving money, how much you save, and the interest rate you earn are just some of the many considerations you have to think about. One of the biggest concerns may be your health when entering retirement and how long you live after you retire.

You also need a way to account for fiscal irresponsibility on the part of Government (i.e. inflation) and what that will do to your retirement savings. On the internet there are dozens of retirement calculators available, sponsored by retirement organizations, investment companies and other businesses in the money management business that can help you do this. What most of the calculators will show you, is that for most people, even relying on Social Security, you will need a lot of retirement savings to maintain a near pre - retirement standard of living.

The economy will probably recover, and continue to grow. However with inflation at anywhere between three and five percent, you are going to be gaining and losing value in your investments based on how much your savings is being eroded.

$50 a week used to be a "normal" wage. Even during mid-life that respectable income had increased to $200 a week. Now, however, you would not even think of trying to live off of $200 a week, let along $50/week.

Average Americans making $500 to $1,000 per week today will see the same kind of results that their parents and grandparents are seeing now, unfortunately. The retirement calculators are showing that they should have a retirement nest egg of close to a million bucks if they want to retire comfortably for 20-30 years.

An online calculator estimated that an adult starting with $100,000 and adding $4,000 year to that would enter retirement with almost $900,000 but end up broke by age 85.

Part of managing your income is setting aside savings and investing a part of it (note, not ALL of it) for your future. Even though it's difficult to forecast the future, it is necessary due to the nature of human beings and the requirement of long-range planning. There is a wealth of assistance available on the internet to get you started, and professional advisors ready to help when needed. - 16036

About the Author:

More Info: There is only so much information that can be covered in one article. If you want more information about any aspect of financial planning, please visit David's website.

Is Your 401k Plan Going To Be Enough?

By David C Lewis, RFA

For most Americans who have not started planning for their retirement,401k plans seem like a "good bet". One problem with this approach is the investor's reliance on employer matching for the plan. This could cause an employee to rely too much on the employer and not contribute enough to savings. Nothing will give you a wake up call like using a retirement calculator. You can find them on the internet from a variety of places. Retirement planning is hard, and it isn't something you just throw together unthinkingly.

Because there are so many variables in preparing a financial plan for retirement, the process can be difficult, at best, even when you are using a professional advisor. Some of these variables are: the age at which you retire, the age at which you start your savings, the amount you save for retirement, how much your retirement savings earn over the years and into retirement, how much debt you have, if any, at the age you plan to retire, and the quality of your health entering retirement and how long you live after retirement.

Government inflation of the money supply also means you have to account for inflation. That can be hard to do. There are many retirement calculators on the internet to help you though. What most of the calculators will show you, however, is that Social Security - for the most part - will not cover very much of your retirement. You will have to save a lot more money to have even a semi-comfortable retirement.

The economy will probably recover, and continue to grow. However with inflation at anywhere between three and five percent, you are going to be gaining and losing value in your investments based on how much your savings is being eroded.

Years ago our parents and grandparents, grew up in a time when a $50 a week wage was respectable income, and even during mid life that respectable income had quadrupled to $200 a week. But now, more than 50 years later, it would be foolish to expect to be able to live off $200 a week, and the $50 a week income is minor in today's economy.

If you make $500 or $1,000 a week, you can expect a similar phenomenon when you retire. A retirement calculator will show that you should have a retirement nest egg close to $1 million dollars to retire comfortably in 20 or 30 years.

An online calculator calculated that an adult starting with $100K and adding $4,000 year to that would retire with almost $900,000 but end up broke by age 85.

An essential part of managing your existing income is setting aside and investing funds for your retirement. Despite the difficulty of estimating your retirement income and expenditures, there is a wealth of assistance available on the internet to get you started, and professional advisors ready to help when needed. - 16036

About the Author:

Only so much information can be covered in one article. If you want more information about any aspect of personal financial planning, please visit David's website.

Discover 5 Reasons Why The New iPhone 3G Is Superior

By Leslie Duvet

The latest news reports show that the new Apple iPhone 3G is taking the globe by surprise! Its presently one of the top selling and most requested products on Ebay. Would you be getting one too?

The much awaited release of the Apple iPhone 3G exceeded all of the expectations, with features that blow away the second generation iPhones. Here are 5 reasons why every one is so energized :

1. The number one reason for the commotion is that the lastest Apple iPhone 3G can now gives you the capability to add third party applications. Already the iTunes App Store has a massive number of applications for both business and entertainment. Opening it up to other corporations to develop authorized iPhone applications has began a frenzy of firms clamoring to provide you the biggest and the best there's in the way of increased functionality. This one capability signifies that what you can do with your iPhone is almost unlimited, as better and better applications get invented.

2. As special as the first reason, the new Apple iPhone 3G could presently gives you access to speedier Internet speeds. Super sonic is just one other way to describe it. Compared to the second generation models, everything you do on online is now better and faster. Webpages show up faster, audio and video media download quicker for an enhanced experience, and file downloads dont take much of your time.

3. The enhanced e-mail functions of the new Apple iPhone 3G give you very much more alternatives with your e-mail - much more accounts and faster, more trusted email service.

4. Say you are a gamer, you will genuinely love the new gaming capabilities of the Apple iPhone 3G. Better controls and exciting new iPhone games released for this latest model implies that you can presently take your games with you. The chills of gaming are instantly portable. No more are you shut away to staying at home to complete a game on your home-bound game console. Be it on the bus or on the train, queueing for your food or waiting for your friend, you could now whip out your trusty iPhone and enjoy a game. Boring moments are a thing of the past, thanks to this latest iPhone.

5. Besides all of the the stunning new features, the Apple iPhone 3G also delivers improved call quality and speakerphone quality over the 2nd generation models. You can hear the person on the other end of your call louder and clearer, without that irritating buzzing in the backdrop!

There is nearly no comparison 'tween this new model and the older ones. The Apple iPhone 3G nearly makes the 2nd generation models look like toys. That is how much difference there is. Test one out for yourself, and learn the joys of this wave of the future. - 16036

About the Author:

Want to get your hands on the best app for music on iphone 3g software? Get the ultimate iphone DVD featuring the largest collection of apple iphone 3g wallpaper, software,apps, games, ringtones and more!

How to Get Free Online Cash with Gift Cards

By Yvonne Cote

With the multitude of online scams and wild goose chases online you have to be careful. I want to tell you that there are a few ways to get free stuff online that are actually legitimate.

If you are like me, you hate to waste time and you really hate to waste money. If you want to get real free stuff online it can be a drag. I have done a lot of the work for you so you don't have to.

I would have to say that the best way is to join some of the free stuff websites out there. These sites are run by legitimate people that love saving money. They post many of the best deals on their sites for their loyal readers. These are sometimes updated daily.

A person can literally save oodles of cash by getting the coupons and rebates posted on these sites and forums. Trust me this does work and can add up to thousands of dollars in savings. Many people have even gotten free groceries, restaurant meals and drug store items from combining some of these deals

A good way to get the real scoop on free gift cards is freebie forums. These places are chock full of the latest places to get free items, big discounted coupons, and even gift cards. You can sometimes even get back more than you spent.

Getting connected with these forums is a must to get the best deals. you usually just have to register to get into the members area. It is well worth the time.

By joining these groups you can skip all the time researching. There are usually a few offers for free items and gift cards at these forums. - 16036

About the Author:

Yvonne has searched the net looking for the best free coupons, gift cards and grocery items. Click to her site to get Free Groceries and Stuff

Portable MP3 Player Reviews & Tips

By Anne Ahira

Obviously, the market marketplace is overwhelmed with Portable Mp3 Player choice right now. There is a wide variety to choose from and the prices have come down to make most of them relatively affordable for the average consumer. This could be the right time to buy your first or your newest portable MP3 player. However, you first need to decide which model is going to be the right one for your needs.

Hard Drives or Flash Memory

One of the big decisions you'll first need to be making is between a portable MP3 player that contain a hard disc or a flash memory. A hard disc is what you'll find inside iPods. This means that similar to your notebook they include a drive where all data is placed and from which everything is accessed. One of the weakness of a hard drive is that they can be more easily broken than you might imagine because of all their moving components . If one component gets broken , you won't be able to operate your player any longer .

Flash memory is similar to what you'll get on those portable drives and in some models of camera memory. While this is more tough since it lacks has no any moving parts, it also own a specific lifespan . That means you can just rewrite the memory a set number of times. If you like to adjust your music up habitually , you may run out rewrite opportunities before you have to buy a another brand. Microsoft's Zune is one example of a flash memory portable MP3 player.

Compatibility

When you're selecting a portable MP3 player, keep in mind that it will be connecting with your pc regularly in order to get music and to recharge its batteries. That indicates you need to ensure your player will function properly with the laptop you already have and with all music software you are now employing .

Having an iPod, you shouldn't face too much difficulty. These can fit with both PCs and Macs but you'll need to use the iTunes music player for organizing the music on your computer. Keep in mind that iPods utilize a proprietary file format so you won't be able to store all forms of audio or visual files on the player.

Other kinds may function good on PCs but not as well with Macs. Mp3 products may also sell with their own music organization management software , too. That may not be a important thing but if you run music regularly on your notebook you may have to consider the procedures of such programs so you'll enjoy the computer based player as much as the portable MP3 player.

The pleasant news is that lots of information is available about the detailed portable MP3 players on the marketplace so you can learn all of the information above simply by doing several simple searching. The more you recognize before you purchase the happier you will be with your finished buy. - 16036

About the Author:

About the author: Anne Ahira's Mp3 Portable Players guide. Providing the best, up-to-date information on the best in Mp3 CD Player research, tips, & much more!

Download Movies To Computer

By Yuri Samson

I have made a sampling of movie hits for 2008. These are some of the movies that I think you might like. I hope you find a couple of movies that are worth watching.

BOLT: Bolt: This movie is an animated family comedy. Bolt, is a dog who is an actor, who plays the role of a dog that has super hero dog powers. The thing about Bolt is that he really thinks he has superpowers. When, by chance, he is finds himself in a real world situation, he realizes that he is just a dog. On a journey to get back home, he is helped by Rhino and Mittens, his newly found hamster and cat friends.

WANTED: Wesley Gibson is about to learn that the father he never knew, is a contract killer. His father is killed, and now he is being recruited into the organization that his dead father was involved with. He is transformed from a nobody office worker into the professional killer that he was meant to be. From that point on, this movie gets complicated, and many twist and turns follow. Hang on to your seat.

THE CHRONICALS OF NARNIA, PRINCE CASPIAN: Just one year has passed in there "regular" lives, when Edmund, Peter, Susan, and Lucy magically reappear in Narnia. Prince Caspian has blown Susan's magic horn, praying that he will be saved. In Narnia, 1,300 years have passed since they were Kings and Queens, but they now return to save Narnia from the evil Telmarines. With the aid of the bravest in the forest, including, a dwarf, the centaurs, and a very skilled mouse, they battle to free Narnia.

Jumper: Nearing death by drowning, David realizes he has an unbelievable ability. He has the ability to transport himself to anywhere he desires to be, anytime he wants. Later, he becomes aware that he is not the only one that has this capability. Unfortunately, after a few years of fun, he finds out that there are those that want him, and all the jumpers wiped out. He must fight for his life, as those people try to track him down.

WALL-E: This picture is an animated, comedy, adventure, sci-fi. Mankind has left Earth, since it had become a pile of rubbish. Waste removal robot, Wall-E, has been left to clean up the planet. Years later, when a robot named Eve shows up searching to see if the planet can sustain any life, Wall-E finally has some company. Eventually, when Eve is recovered by the craft that sent her, Wall-E somehow get on the ship, and starts an incredible adventure.

THE DARK KNIGHT: This time Batman, and law enforcement officials, are taking the major criminals off the streets. This has effectively reduced crime, until a new criminal mastermind shows up, and attacks the city. Batman is in a battle now, as the Joker has unleashed his criminal insanity on Gotham City.

WHAT HAPPENS IN VEGAS: Wild and crazy nights in Las Vegas are normal. Young partiers Joy and Jack wake up and soon realize that they had married each other the night before. When they win a $3 million jackpot, each thinks they deserve the prize, so they ask a judge for a decision. The strange ruling is that the two must stay married for a few months, and try to make their marriage work. With $3 million on the line, they conspire to make each other quit the marriage, as they are both determined to get the money for themselves.

TWENTY ONE: This movie tells an amazing true story of M.I.T. wiz kids who built a team of blackjack players that beat the casinos. This team of blackjack players planned, trained, and executed an assault on the casinos. To play in Las Vegas, where players who beat the game can be banned from playing, they created false identities, and used complex signals to avoid detection. This movie is based on the best selling book that tells how the M.I.T. teams took it to the casinos.

10,000 B.C.: This movie takes us back to prehistoric times. When a warlike tribe attack the Yaghai's, they ride off with some of the people, including the lovely Evolet. A young hunter named D'Leh, who is in love with her, leads a group of hunters to pursue the warlords, and save her, and the rest of the captured tribe members.

Most people buy or rent these movies, and watch them at home. A more recent method for getting films is through downloads off websites. The internet has many websites that with a membership, you can download virtually any movie ever made. - 16036

About the Author:

If you want to be a voice over guy or girl, don't go into radio. Download Mp3 Songs So, don?t pretend to know what bling bling means get with it and learn the hip hop slang! Episode 7 detention air date: 03-03-1998.

How to Play An F Chord on the Ukulele

By Al Wood

When you pick up a ukulele for the first time, it can be a little intimidating. There are so many choice of what you can play - it's often difficult to start. Chord charts will give you a huge list of chords you can play on the ukulele but they can be quite confusing to use.

Where should you start? Which are the basic chords? Which can be easily played by a new ukulele player? Which chords sound right together? Which chords are most common?

In this series of articles I'll be answering all these questions. In this part of the series I'll be looking at how to play the F chord on the ukulele.

The F chord is slightly more tricky than the C chord since it requires the use of two fingers.

Step 1: Hold down the E string (which is one up from the bottom of the neck) at the first fret using your pointer/index finger. Step 2: hold down the G string with you middle finger at the second fret. Play these two notes by themselves to make sure you can hear them clearly.

Now check that the two strings - C and A - which you are not playing can be heard clearly. Many beginners find that they aren't. If they are not as clear as they should be, you may be muting the strings with the underside of the fingers you are using to fret.

Take a look at how your fretting fingers are positioned. If they are fairly flat against the fret board, then they are most likely causing a problem by dampening the strings and preventing them from ringing.

To cure this, lift your hand up off the fret board so that, rather than laying flat against it, it is raised up from it and your fingers come away at a sharp angle.

If you want to create a great sound on the ukulele, paying close attention to this aspect of playing is absolutely essential. You'll encounter this again and again when you start to learn more chords and it's important to get into the correct way of playing as soon as possible.

Once you have mastered this, it will continue through to the rest of your playing.

In rock music, C to F is one of the most common chord changes there is. You'll hear it over and over in all sorts of genres from country to blues to pop to metal.

And when you have C and F in a song, it is very likely that you'll also see the next chord we will be looking at: G7. So head over and read that to find out more. - 16036

About the Author:

Learn hundreds more ukulele chords by visiting Al Wood's website. And get your uke career off to a great start by getting advice on how to buy a ukulele online.

About Chapter 7 Bankruptcy

By Ronn Peters

By the time you finish reading this, you will know the important point of Chapter 7 bankruptcy. If you are thinking that everyone can file for this type of bankruptcy, you are wrong. Only certain people can file for Chapter 7 bankruptcy. Well, if you are wondering who, you should read on.

Who Can File Chapter 7 Bankruptcy?

Chapter 7 bankruptcy is available to individuals and some businesses. In order to file Chapter 7 assets should be limited to those that can be claimed as exempt.

Even though sometimes the court may rule that a person is not able to file a Chapter 7, at times, it may be one of the best moves you can make.

Chapter 7 Bankruptcy Process

The process of filing a Chapter 7 bankruptcy starts with collecting all the information about your debts and your financial situation. You will be required to meet with a counselor and attend counseling that will help you to decide if filing bankruptcy is the best option.

After going thought this first phase, you will then be able to start filing out the proper forms and filing them with the court. After this, you are required to attend court to plead your case. This will be done over the next few months.

The whole process can last quite some time, but during the process you are protected from debt collection by creditors.

Risks of a Chapter 7 Bankruptcy

If you think bankruptcy is an easy way to clear your debts, think again. Recent changes in the bankruptcy laws has made filing bankruptcy more difficult and in some cases impossible.

Filing for bankruptcy has quite a number of negative effects. Firstly, you can lose your assets. Other than that you will have a damaged credit record. This is especially bad as it may be difficult for you to get loans and credits in future.

However, according to new laws, you may be able to file for Chapter 13 instead of Chapter 7. This can be done if your income is deemed to be more than the set amount. The court will then decide how you can pay back the amount you owe.

So, there you have it! The important points of bankruptcy Chapter 7, one thing that you should remember; bankruptcy should not be seen as an easy way out to settle your debts and you will end up losing you assets. However, if you are serious about filing for Chapter 7, you should think about the result of filing for one. - 16036

About the Author:

Facing possible bankruptcy? Now find out more about Chapter 7 Bankruptcy as it will have a long term effect. Read and find out more about bankruptcy by going to this website: http://www.outofbankruptcy.info

How To Truly Master Auto Financing

By John Brennan

You may have some trouble discovering the right car loan for you, but you will not have trouble finding your dream car. Details vary with each personal bank and dealer finance department if you are looking into financing your new car. However, you must understand the workings of the car loan so that every penny of your money is well spent.

There are many companies that promise the best auto loan deals in order to get you in the door and signed on a car contract. A financing contract for a car works very similar to other installment contracts that become amortized over a specified and predetermined time period.

Upon review of your application and personal credit history a lender will then make a decision to underwrite your loan and calculate an interest rate based on how much of a ariska they consider a person to be. The worse an individualas credit history is, the more likely the rate will be higher.

When your interest rate is determined, you must pay the additional increased fee for five years. If your car originally cost you $23,000, then you would have to pay $383.00 for five years based on your interest rate. Because of the increase from your interest rate, the car may not be affordable.

The person may be able to pay less in interest charges because, in the purchase, he/she could have equity. The person will only be able to pay less if he/she puts liquidated funds toward the new car when the contract begins. It is best for the person to pay the due payment earlier than wait for the deadline, for the interest is increased on a monthly basis. If the individual chooses to pay it off early, he/she can save a great deal of money.

Your expenses for a vehicle donat begin and end with monthly payments and interest charges however. Law requires adequate car insurance, and when purchasing a new vehicle many major insurers like Allstate and Geico will require that you carry both liability and comprehensive coverage on your new car, which can mean added monthly charges as well. Getting a quote from your insurance company before you purchase is highly recommended in order to have an affordable payment in mind.

The bottom line about financing a car purchase is to remember that a care will depreciate in value over time, so the interest you are paying can be similar to throwing money away. Financing less and paying more on your car at any time during your loan is a wise move, and puts money back in your pocket.

It is wise to save money beforehand instead of buying your car right away so that you can find the right auto loan deals for any kind of auto finance. If you do not want to deal with expensive auto loans and interest rates, you should save cash before purchasing the car. - 16036

About the Author:

To find out exactly how you can get information about car loan advice visit my automotive website.

Introducing Elliptical Machines

By Anne Ahira

There are many purchase considerations for elliptical machines. These machines remain to be one of the most popular types of exercise equipment pieces among those that are looking to advance their physical fitness levels.

Once only found in a gym, elliptical machines are now located in several homes around the world! If you are seeking to purchase this type of exercise equipment, there are many purchasing considerations that should be made.

One of the first is the amount of money that you have to invest in the product. Budgeting is essential when purchasing elliptical machines for the simple fact that this is a relatively expensive item.

if own elliptical machines, it is also central to confirm that you carefully think the kind of aspects that the machine own. vital focuses in this zone comprises the measurement lengthwise of the gait part the aptitude to modify the inclusive inclinations with thesum of renitence.

Many elliptical machines may also offer a lot of features in the area of upper body strength. If you are planning this type of purchase, then it is important to ensure that you consider these things.

Next, you should consider the safety features of the product that you are interested in buying. If you consider these things, then it is likely that you will be able to select among the many elliptical machines available to you with ease. - 16036

About the Author:

About Author : EllipticalMachine-s.com. Elliptical machines are becoming extremely popular when it comes to the home gym. Read this article to find out what steps to take when choosing one.

Top 10 Reasons to switch to a VOIP Phone System

By Darren Borne

VOIP has been 'muscling in' on conventional telecoms for quite some time - here are some of the reasons why:

1. Low Cost Landline Calls - VOIP call carriers offer low call rates or inclusive national calls.

2. Cheap Mobile Calls - Most UK VOIP operators offer rates of 8-10p/min which is about the same as LCR, however using GSM gateways you can achieve rates as low as 3p/min - perfectly legal for UK businesses.

3. Low Cost Overseas Calls - as most of the distance of the call will be carried via the web - rates are either on iclusive plans or approximately 0.1p/min(UK)

4. Low Cost Line Rentals - UK ITSP's such as Gradwell offer unlimited outbound trunks deals which greatly reduce your monthly line retal costs.

5. Free Calls to Offices & Remote Workers - calls between remote workers & offices will be free when using VOIP.

6. Longer Call Recording - Voip calls recordings need less storage capacity than convetional calls and you dont require a seperate system for recording.

7. Keep Your Phone Number - by porting your numbers to voip you can move your business anywhere and still keep your numbers.

8. Automatic Call Diversion - should your PBX/phone lines/internet fail your calls will be diverted automatically to numbers of your choice

9. Short Contracts - many ITSPs offer short contracts without tie-ins - typically 1 or 3 months leaving you free to switch should you need to.

10. Improved Comms Control - change your systems, backup your PBX & create diverts remotely.

It's not always plain sailing to migrate to voiop as Companies like BT drag their heels with number porting & broadband quality varies with location. As with all telecom installations - success or failure is usually down to initial provisioning and the experience or incompetence of your installer. - 16036

About the Author:

The author is a phone systems consultant and has been involved in VOIP telecoms since 2003. Please check out the latest UK Call Rate Comparisons.

Jamorama Download - What Makes Online Guitar Lessons Effective

By Harley Hamilton

Two words here: Jamorama download. This product will single handedly save you time, money and frustration beyond ANYTHING you can imagine. Jamorama includes all materials, sound tracks and whatever else you will need to learn guitar. But what makes it so much more effective over a traditional instructor? Let's take a look....

Because Jamorama is a download, it is available to you immediately. That means you can start NOW. Plus, you can learn at your own speed and level. This saves a significant amount of time and allows you to practice whenever you want or can.

Figure that a teacher is going to run you about $20 per hour for as long as you go to him/her. Over the course of a year, that adds up to more than $1000. Then you have to add the gas to get there, the gas to get back and the cost of books, sheet music and other materials. As you can see, it can add up quickly.

Frustration can build up, too. Say you had a bad week and can't make it to your lesson. Guess what happens? You STILL pay for that lesson even though you didn't get it. Now maybe you didn't have time to practice last week's lesson, so you go now and end up reviewing that material. You just blew $20 or so that you could have spent anywhere else.

The Jamorama download contains ALL the answers and remedies for these literally at a fraction of the cost of a personal instructor. Think about what you would pay to be able to play anything you hear on the radio. Maybe play a love song for your wife or significant other or just for fun with the kids.

What makes the online lessons so powerful over an instructor is the value (materials included) and the audio/video connection you make with the lessons. Jamorama is a complete, end to end system to learn the guitar. First, you will learn the basics, then necessary techniques and small riffs and short songs. All this in instruction, pictures, most on video and a lot on audio.

Being able to actually hear what the lesson should sound like is the biggest helping tool I have ever seen. I always look at a sheet of music and wonder "How is this supposed to sound?" If you have an instructor, you are relying on him telling you how it should sound. With the Jamorama video downloads, you can hear the way it should be.

This is important in another area as well; playing by ear. Learning to play by ear is an important part of the guitar learning process.

So put it all together and you can see that an online lesson plan with the Jamorama download is the easiest, fastest and most complete way to learn to play guitar. It has everything you need from the ground up. The author of Jamorama even gives away a boat load of freebies with every order.

So as you learn to play with the Jamorama download, you can also start learning scales, lead and solo techniques as well as ear training and tone training. That makes this the most comprehensive online guitar instruction system ever " ANYWHERE. - 16036

About the Author:

For those who want to know more about Jamorama download, you had better visit Jamorama Download.

Your Own Home Office

By Charlie Reese

If you work from home, or can take some of your work home from the office, you have a need room for a home office. Some people have a spare room that they can use for this, but some dont. When you are low on space, you have to get creative when you are looking for a way to set up an office in your home. As long as you can find some space, you can find a way to fit what you need into the area. Some people will use a walk in sized closet when they seem to have no other space available in the home.

One of the most important things you need for your home office might just be your computer. When space is limited, it is in your best interest to get a lap top for your needs. The reason for this is that they take up minimal space, and can be easily stored elsewhere if you are using the same space for your home office for something else.

If you need a printer, and have one elsewhere in your home, you can set up a network rather than getting another printer. This is not something that is very hard, but you may need to get something in order to accomplish this. You can ask at your local computer store for more information.

Filing cabinets are usually a great idea in any home office, but you may not want to get the largest size. Instead, find one that has just two drawers and put that under your desk, being careful to leave legroom, of course. You can store important papers and even some of your office supplies in there, saving even more space. If you need more light, you can always get a small desk lamp, or you can find lighting that will attach to the wall so that it is not taking up any of your limited space in your home office set up.

Find as many space saving ideas as you can find. One great location for home office space savers is a home improvement store or office supply store, and it does not hurt to look around online. There are some great ideas out there that are easy to use and will make your life much easier. You should remember that your office at home is also a tax deduction, so save your receipts from each purchase that you make for your space. You cannot claim it if you use the space for something else, but it is a great deduction each year when it comes time to get your taxes done. - 16036

About the Author:

Charlie Reese loves giving home office and love horoscope advice on his free online horoscope matching website weekly.

What is So Fascinating About Solar lights?

By Anne Durrel

There are a lot of benefits of Solar lights. One of the most important advantages to including the variety of light into your house is that you may realize a extreme reduction in your complete energy costs.

Seeing that the variety of light is dependent on the energy of the sun and not the electrical energy that is part of your house, it is extremely advantageous whilst it comes to reducing dear electrical rates!

Solar lights are truly deemed to be the most successful way to diminish lighting upkeep. The lights only require a bit upkeep on a periodic base.

Once you perform the installation, it is unlikely that you will have to do more maintenance than that. This makes solar lights more appealing to consumers than standard lighting!

When choosing solar lights for your home, you will find that there are many different options available to you! There are lights that can be chosen for the outdoor area of the home, as well as for the indoor area of the home.

Solar lights is also considered to be a great way to reduce emissions as well as your carbon footprint overall! If you want to save money, and do your part to contribute in a positive way to the environment, solar lights is a great way to accomplish your goals! - 16036

About the Author:

About Author: Solarlight-s.com. Solar lights are becoming quite popular when it comes to lighting trends. Check out this article on the many benefits associated with solar lights!

Product Review: Panasonic EP3222 Massage Chair

By James Knolan

Our goal is to present a potential massage chair purchaser with an unbiased, thorough and comprehensive review of the Panasonice Real Pro Elite. We have developed a 5 category system to evaluate a massage chair. We give equal weight to each category and give 0 to 20 points rating and then add them up to present an overall score. Our categories include Warranty & Customer Service, Comfort/Ergonomics, Ease of Use, Features and Massage Therapy. This systematic approach forces us to a disciplined method of evaluating a massage chair to help guide anyone looking at massage chairs. The Panasonic Real Pro Elite EP-3222 shiatsu massage chair price is in the Luxury range of $4,000 to $5,000.

Warranty & Customer Service: First is how the manufacturer rates in both warranty coverage and customer service. The manufacturer needs to stand behind its product. Panasonic gives a 1 year labor, 1 year parts and 1 year in-home service as well as 1 year shipping. Panasonic puts a machine life cap of 1,000 hours of use. Panasonic gives a short warranty combined with the 1,000 hour cap (for heavy users), the warranty rates as ok. The electronics company's such as Panasonic (or Sanyo) like to sell extended warranties. Panasonic offers in-home technician service and will pay for shipping for the first year. Customer service is through your retailer. Service times vary on the service center location. Overall Rating for Panasonic warranty and customer service is 15.

Comfort & Ergonomics: Massage chair recliners should fit the body and be comfortable to site on. The Panasonic Real Pro Elite has soft padded armrests. The EP-3222 has a soft upholstered detachable head pillow to support the head. Overall, the chair is comfortable to sit in. One point of restriction is the footrest. The footrest stays at a fixed length and cannot be adjusted for taller individuals. If you are taller, then you can raise the footrest horizontal and put your legs straight through. You then miss the foot compression massage. Overall Rating for Panasonic comfort and ergonomics and customer service is 17.

Ease of Use: Massage Chair manufacturers are adding more technology and features into their chairs every year. Users need to be able to quickly, easily and intuitively understand how to use the product. The Panasonic Real Pro Elite has many advanced features as well as manual options. The main remote control has the auto programs in an easy to use location. The manual controls are located inside the side panel of the remote control. Overall, this remote is fairly intuitive. The Panasonic Real Pro Elite comes with Voice Guidance which can be helpful, but usually only in the beginning or for new users. Another good feature is Focus, which enables the user to repeat the massage that just occurred. It is a repeat function, which is great if you have an area that you want to concentrate on. The Panasonic Real Pro Elite is a 17 in Ease of Use.

Key Features: The most prominent features of the Panasonic Real Pro Elite are the 33 airbags in the lower body air system and the Swede-Atsu massage system. The lower body airsytem has a total of 33 airbags and provides great coverage for the hips, thighs, buttocks, calves and feet. The compression air massage gently, but firmly squeezes the lower body to release tension and soreness. The Swede-Atsu uses rubber massage heads. These rubber massage heads coupled with the software replicate the stoking of the palms of the hand, pressing by the heal of the hand, or the kneading with the thumbs. The massage is solid and does a thorough job of relieving tension and stress. Our rating of the Panasonic EP-3222 in this category is 19.

Massage Therapy: The massage functions are included in the Real Pro Elite EP-3222 includes Four 14-minute Pre-Programs, One 5-minute Quick Program and One 14-minute Self Program has 4 full body automatic courses, 5 massage speed settings for a total combination of 14 massage courses. The automatic massage functions include the following: Shiatsu, Gentle, Deep and Refresh. Panasonic equips the EP-3222 its exclusive Swede-Atsu massage system providing a thorough and realistic array of massage therapy choices. The lower body has 33 airbags of coverage and three programs to choose from. This shiatsu massage chair provides good tension relief for the lower body and increased lateral coverage on the back. Overall Rating for the Panasonic EP-3222 massage recliner for massage therapy is 19.

How does the Panasonic Real Pro Elite EP-3222 stack up? Overall, our rating of the Panasonic is an 87/100. Panasonic continues to expand the range of capabilities of its massage chairs with greater back coverage, voice guidance and its Swede-Atsu massage system. The massage chair design is very modern, perhaps, too much so, but that is a matter of taste. Panasonic massage chair technology for both the mechanical and pneumatic provide for a thorough, firm overall massage. Panasonic needs to add an extendable footrest to accommodate taller people. Otherwise, the Real Pro Elite is a solid all-around therapeutic massage chair. - 16036

About the Author:

Searching for an excellent shiatsu massage chair? Check out the Panasonic Massage Chair line. Feel free to view our articles, massage chair reviews and more on the best Massage Chairs currently on the market today. Massage Chair Warehouse your source to find the perfect massage chair recliner.

The Perfect Side Job - Taking Paid Surveys

By Cache Spencer

Many marketing firms and other companies pay good money for people to take surveys. Sometimes they pay cash, and sometimes they offer nice gifts in exchange for participating in surveys. Itas fun to be a survey participant because you have a chance to say what you think about a variety of products and services.

Paid surveys are the best option for making money online. Before start participating in paid surveys we have to follow some important rules and regulations as per the company. Here are some of the steps I would like to recommend.

Begin by doing some research about which sites are available for participating in paid surveys. You can go through a search engine or an informational site to find out about survey sites. Sometimes information is available on networking sites. Of course, good old-fashioned word-of-mouth is often the best way to get information about anything. If your friends or family members have participated in paid surveys, they will be able to give you some good information.

Once you have looked over a few companies and decided which ones you like the best, you will want to register with their sites. Be sure to have all your professional and personal information on hand so that you can do this quickly and easily. You may want to set up a separate e mail address for your survey correspondence. Be sure to have it in place when you register so that the company can contact you right away.

Once you have registered, there may be a short wait while your application is being approved. Once your application is accepted and confirmed, you will be ready to start! The number of surveys available each day varies from company to company. Some companies have lots of surveys available every day. Some have only a few. When you participate in surveys you may be paid in cash or you may be earn certificates or prizes. This all depends on the policy of the company you have signed up with.

All said, participating in paid surveys is just an excellent way to earn a bit of extra cash online. The work is fun and easy, and you can do it from the comfort of your own home in your ajammies! You donat have to spend any money to sign up, and you donat have to invest anything but your time. The only caveat is that you will want to choose your companies carefully. Double-check their credentials to be sure they are legitimate sites that will really pay.

Realize that many sites donat pay in cash immediately. Often a site will have a points system in place. They will expect you to work long enough to earn a thousand or more points before they convert those points into cash, gift certificates, or prizes.

In conclusion, I want to reiterate that taking surveys for cash is really an excellent choice for making money with the internet. The only hard part about it is identifying the legitimate sites that really pay. Be sure to keep this in mind as you are looking. Best wishes to you in your quest. May you find a great number of excellent sites to participate in paid surveys and earn cash for your valuable opinions. - 16036

About the Author:

Cache Spencer writes about legitimate free paid surveys. For more information about how to get paid to fill out surveys, visit cashtospend.com.

Vital Pieces of Vending Machine

By Dennis Durrel

The Force Star Vending Machine is being the famous alternative among several companies. The cause that this engine is turning into preferred among businesses is that it can help in keeping hundreds of dollars annually in convenience costs.

As a matter of fact, the vending machine that has the Energy Star rating have been deemed up to 50% more efficient than those that do not have this particular rating!

If your industry presents vending services|advantage to consumers, it can be in your best curiosity to consider only those that might be might for less. The Power Star vending machine absolutely matches this explanation!

It is rather easy to pick the vending machine that capable bank you hundreds per year in utility prices. Your corporation will must investigate businesses that sell as well as rent these kinds of results. When calling the vending machine corporation, it is important to ensure that you indicate that you desire one that is labeled with the Power Star logo.

You shall then be asked as to whether you require to purchase the machine outright, or whether you demand to rent the machine. If you desire to optimize your earnings take the outright buy selection when obtaining your Force Star vending machine. easy store plus trade once you accept it! - 16036

About the Author:

About Author: Vendingmachin-e.com. If you are looking ways to cut costs and increase your overall profits at your business, you should consider purchasing an Energy Star vending machine to accomplish your goals!

Spa Covers Help!

By Dennis Durrel

Your hot bathtub is something that you love having. There is nil fairly as relaxing as settling into it at the end of the long day.

However, maintaining your hot bathtub can get to be expensive. Spa covers are the vast means to hold the price of your hot tub down as well as to confirm your families safety.

Spa covers retain your hot bathtub from going down water too rapidly. This is because without the obstruction from the air and sun to the water there is nil that shall retain the water from evaporating .

Spa covers create that barrier and keep the water from evaporating so rapidly. The water will not harm your cover, but you will want to make sure that you invest in a cover that has UV protection built into it. That way your spa cover will last even longer.

Spa covers are also a famous safety precaution when you possess child in your house. It does not get much water for a child to die in. In fact there have even been demands of child sinking in a couple of inches of water.

Spa covers can create a barrier between your children and the dangerous waters beneath. Spa covers are by no means a complete shield for your children, but it is definitely an easy step that you can take to reduce the danger. - 16036

About the Author:

About Author: Spacover-s.com. Spa covers will help you reduce your energy costs and protect your family around your backyard hot tubs.

Vital Pieces of Yahoo Game

By Dennis Durrel

Playing a Yahoo game is easy! All you have to do is visit the website called "Yahoo Games" online. Here, you can find an assortment of standard, free games and advanced games that you can purchase.

This website offers a multitude of games that you can choose from. If you or your kid requests to play a Yahoo game, you will get that there is great for everybody!

It does not matter where you are from, or how old you are - this website is loaded with entertainment that is sure to please and entertain! You can play the Yahoo game of pool, scrabble, and more!

The good idea on selecting to play a Yahoo game on this particular website is that you can play by yourself , or you can play among different players from about the entire world!

This method that you have the opportunity to converge some people and start long lasting online companionship! Being competent to play a Yahoo game free on this particular website is another gain to visiting the website!

Yes, there are totally a few games that truly must be procured, but a good option is free! If you want to play a Yahoo game, nowadays is your chance ! Visit Yahoo Games today! - 16036

About the Author:

About author: www-YahooGame.com. If you are interested in playing a Yahoo game, this article will inform you of how to do so and the many benefits to doing so. Read to find out more!

How To Choose Tarot

By Anne Durrel

The derivation of Tarot cards is unclear plus unexplained! Single version of the " real" history of the tarot connects the cards to Egyptian mysteries, Hermetic philosophy, the Kabbalah, alchemy and almost every other mystical system recognized to mankind! What we do know for sure is that cards first appeared in Italy and France in the late fourteenth century and that by the fifteenth century wealthy Italian patrons made to order lovely decks to be used in a accepted card game. Tarot cards finally became related with the esoteric sometime in the 18th century.

Tarot is most commonly used for divination. It is believed that the cards can be used to gain insight into the current problems and possible future's of the subject.

Some tarot readers believe the cards help them tap into a collective unconscious or into their own creative, subconscious while others feel that with tarot they can commune with the Divine.

Typically, a tarot reading involves a 'seeker', who shuffles the cards and cuts the deck and a 'reader', who lays out the chosen cards in a pattern called a spread. Each position in the spread has a meaning, and each card has a variety of symbolic meanings as well. The reader knows how to interpret these cards and combines these two meanings to shed light on the seeker's questions.

Recent tarot decks comprise 78 cards, of which 22 have pictures representing powers, characters, goodness, and badness. The residual cards are disparted into four 'suits' of 14 cards each. Each suit has 10 numbered cards and four court cards (king, queen, knight, and page). The court cards can signify different persons in a tarot reading , with every suit's "nature" providing hints about that individual's physical and emotional characteristics.

These days' recent playing cards all changed from the suit cards. - 16036

About the Author:

About Author: Www-tarot.net. Tarot is most commonly used for divination. The origin of tarot cards is obscure and mysterious!.

Is It Important To Know My Skin Type?

By Andi Bradshaw

Do you know if your skin is Oily,Dry or Sensitive? Whenever a woman says she's not sure, then she usually has Normal/Combination skin. Anyone who has oily, dry or sensitive skin, is sure.

Normal/combination skin is the ideal and it's not unusual to feel a little dryer or a little oilier a short while after cleansing. If you produce a little more or less oil than you need, you're still within the normal range. You'll have dry cheeks with a normal T zone when your skin is Normal to Dry. And, you'll have normal cheeks with an oily T zone when your skin is Normal to Oily.

When your skin is Dry, you know that it doesn't produce enough facial oil. That "less than enough" oil production means that your skin will feel dry and tight within seconds after cleansing. Generally, this type has very tight pores and spots of dry, flaky skin.

Really shiny skin is what you can expect within a couple hours of cleansing when you have Oily skin. If this sounds like you, you probably know that your oil glands produce too much oil. This skin type is usually oily all over, is prone to acne or pimples and may have enlarged pores.

Average products may cause redness and/or itching for Sensitive skin. Most cosmetic lines carry a group of products with no known allergens. These are designed to be mild and very gentle to sensitive-type facial skin; which may be combined with any of the above types, dry-sensitive, oily-sensitive, etc.

All skin types will have some kind of unfavorable reaction if youre not using the right skin care products. You can expect extreme problems if you have very dry or very oily or sensitive skin. Dry skin may flake, peel, or even crack open. With prolonged improper care, dry skin will wrinkle 10 to 20 years ahead of the other skin types. That's why dry skin needs to begin appropriate (pH balanced) skin care as early as possible to prevent those serious, costly problems.

Oily skin will have more severe, longer lasting problems if your skin care products contain oil. There will be clogged pores, and there may be facial infections that develop into cysts due to bacteria and overgrown skin cells that stop natural follicular growth. The long lasting effects could be permanent, dark pimple spots or uneven facial surface and extremely large pores.

Sensitive skin may develop allergic reactions that resemble eczema with the accompanying blotchiness and itching. Another reaction may be first degree burns and scarring from products that are too strong for your skin type. This type needs to test new products, by using it behind an ear and waiting 24 hours to see if there will be a reaction before full facial use.

The average of normal/combination skin type doesn't suffer with problem skin, but a lot of other people do. Products for your skin type will leave your skin feeling fine, normal, not too dry, itchy or oily. Knowing what type skin you have and only using appropriate products means you'll minimize or eliminate those severe problems and eventually the cost of a dermatologist. - 16036

About the Author:

Andi Bradshaw is a licensed esthetician. If you're looking for the latest techniques in skin care or makeup, then you'll love her books. They cover "what it does and how do I use it" of each subject in all of her 17 books. Check out tinyurl.com/88e9ho and get a FREE recipe booklet for Lip Glosses, Balms & Butters Affordable Skin Care Books

No Website Required - Make Money On The Internet

By Maumau Q. Wozmusky

There's no doubt you've heard about get rich quick offers on the Internet promising you Millions of dollars in a short amount of time. Forget about these things. Whenever you hear something similar, keep in mind that it is probably a scam. There are, though, some easy methods to make money online without a website; you can work from home, a few hours a day and make some good money, as a side income.

The World is full of people who go to the Internet when they need information, products or services. The only thing you need to do is to find a way to give them what they want they are looking to buy. With a little ingenuity you will be able to reap the big revenues within a short period of time. How do you think these people make so much money in a short amount of time? By being focused and sticking to a plan that works, you too can make money online.

Becoming an Affiliate marketer means you'll be promoting products and services from other companies or individuals and in return, they pay you a commission. It's lucrative and has great potentials.

Freelancing jobs are also a great idea. You can work from home, doing something that you like. Some people are good in writing, some are not. It's as simple as that. If you want to sharpen your skills and earn some money doing so, you can apply for paid blogging jobs. Many people and companies have set up blogs but cannot keep up with them, because they don't have enough time, or adequate writing abilities. If you are good, you can claim good rates for your services. You may even find yourself with more than one gig at the same time.

People have been making money for many years with paid surveys. There are many websites that work with big corporate groups, running surveys for them. Once you register you will start getting emails with surveys that need 10-15minutes of your time. Be cautious and careful when you apply though because there are many scam sites out there. The legitimate ones are free. You don't need to pay something so as to work.

Last but not least, data input and data entry is also something you can do. Many companies hire freelancers for this job, simply because it's a kind of administrative work that everybody dislikes. It is not thrilling for you either, but you can make some good 400-500$ per month, just by working a couple of hours per day at home.

The secret is to do something that suits your abilities the best. If you have some prior experience on a particular field or industry, try to use it. Making money online can prove really helpful to you too. - 16036

About the Author:

With todays economy, many people are lookWithg for methods to make money online. It isn't as hard as many people make it out to be. It takes time and patience With order to build an Withcome producWithg network of websites. One way people promote their sites is by article directory reviews.

Last Hope with Financial Counseling

By Paul J. Easton

Debt management has taken the spotlight in our modern lives as borrowers. With growing marketing coupled with increasing debts spell unforeseen hardships in the future. Every one must consider debt management today to be secured with our financial life. It is better to be prepared than sorry.

Many options are actually available, but the best may actually be you helping yourself. Here are some of the tips you will find valuable for your debt relief strategies.

Maybe a credit counseling services can be of real help as well. With these programs, experts will recommend you to solve the situation by cutting down on spending and monitoring your accounts closely.

If this does not work, ask the help from a financial expert. The sooner you seek help from an expert, the better you will be out of debt. Credit counseling is one of the best options you might consider if you are troubled with financial problems.

In such a situation, your stress can be overwhelming. This is when your creditors are calling you daily to collect money that you don't have yet. Never end the communication. While it is a natural response to stop answering the phone and let the mail stack up unopened, this does not resolve the issue that you still have the obligation. Explain your financial situation to your creditors. In most cases, they will even work with you to reduce your total balance by providing a better interest rate or eliminating the late and other charges.

One of the benefits of credit counseling is that the credit counselors can actually deal with those credit collectors for you. But the most important advantage of credit counseling is that it helps you, who might have reached the end of their financial rope, to avoid the dreaded bankruptcy.

Seeking the financial experts' advice can save you money by reducing your debt by 40 to 60%. Expect to be debt free within 5 years depending on your debt situation.

Be cautious, though. Some credit counseling services will have upfront fee. These fees can range from a few hundreds to up to thousands of dollars. This, in fact, does not get applied yet to your balances from creditors. So a part of your supposed savings will actually go to the professional fee.

Before taking the plunge, work out your homework and research a lot of free information about the company you are dealing with. You can't afford to get wrong this time. After all, this is your last hope.

For more information on financial directory, get FREE Articles Tips at DollarGuides.com. Get debt-free today with tips on how to get rid of debt here. Start improving your personal finance today. - 16036

About the Author:

How to get Rid of Credit Card Debt Fast with FREE Articles Tips at DollarGuides.com. Help tips and more plus Credit Card Debt Information