Projection televisions are in high demand among consumers. Many individuals enjoy the fact that a small projector can be used to create a large television picture on a screen size of their choice. Individuals who choose this type of television may choose from front-projection units and rear-projection units. The most challenging feature when it comes to projection televisions is not the installation or even the functionality of the system as many believe - it is cleaning the screen on the television. In this guide, I will provide you with the top 3 tips for cleaning the screens on those technologically advanced projection televisions.

1. You should understand that the screen on your projection TV can be easily damaged. This is why you should never use cleaning items such as paper towels, cloths that contain textures, as well as chemical cleaners that contain substances such as bleach and ammonia.

2. You should purchase soft cloths that are considered to be “lint-free”. In many cases, you may be able to discover cloths that are specially designed to clean the surface of projection televisions. You should also obtain a duster that is created from soft feathers.

3. You may create a cleaning solution that consists of a drop of detergent liquid for dishes and warm water. You will first take the duster to remove debris and then place a small amount of the cleaning mixture on the screen - being careful not to saturate it. You should lightly wipe the screen and then allow drying.

If you are interested in cleaning the screens on projection televisions, it is important to understand that you must do so with caution. By using the top 3 tips listed here, you will be able to effectively remove any debris and enjoy a clear image on your television.

The author of this article runs a web site devoted to mini bar systems and retro mini bar and media player mini bar.

As all things are considered it is our general well being that is the most critical thing in our lives, with that in mind we will talk about diets to lose weight, fast weight loss diet & diabetes school training in this short article. There are many aspects that can be taken into consideration when we are putting our attention on health and for many it is fast ways to lose weight that is one of the main things that they take into consideration. We can see that there are so many illnesses that are linked to folk who suffer from obesity and that is one reason for the amount of attention that is currently being put on how to gain weight fast as a way of living a clean life.

As we are taking into account diets to lose weight, diets to lose weight & diabetes school training many individuals also look at low fat diet plan so that they can make their lives that little bit better. We all have to consume food and it is critically important to make sure that we are consuming the right nutirents and with that said making sure that we get all of the best nutrients from the food. It is for that reason that quick weight loss diets is something that will continue to attract attention and be something that is more and more important to more and more individuals.

It is with this consideration of fast ways to lose weight, low fat diet plan & diabetes type 2 symptoms that we can easily see that diabetes type 2 symptoms is related to one of the killer diseases that is seen to be affecting so many of us folk in the population at large. As we all look to live prosperous lives we all have to make sure that our health it at the top of our to do lists as citizens.

Note that any information included in this article is for information purposes only and should not be taken as medical advice.

In a culture where travel from one side of the globe to the other is easily achieved in less than a day, it is always a wonderful surprise when a secret of a culture is discovered and revealed for the rest of the world to see. In this instance the place was the French Polynesian Islands; the discovery was the oil that is found in the tiny seeds of the Morinda Citrifolia fruit

Saving and using the seeds of the Noni fruit were a normal part of living for the people of the French Polynesia for thousands of years. Recently, science shows that the seeds are high in linoleic acid, a natural powerful omega-6 fatty acid that is now a lot of media coverage. The Noni seeds have been found to deliver intense moisture and relief to dry skin.

The incredible part is that it takes over 50,000 seeds to manufacture one ounce of TAHITIAN NONI® Purified Noni Seed Oil. Luckily in use, amount is needed since it absorbs easily into the skin. It is particularly sought after to relieve and restore dry and distressed skin. A survey of favorite spots to use TAHITIAN NONI® Purified Noni Seed Oil is wrinkles, knees, elbows, feet and even the scalp. It also protects the skin with antioxidants.

Gratefully, we don’t have to travel to the French Polynesian Islands or pick seeds from Morinda Citrifolia fruit to acquire the same benefits. TAHITIAN NONI® Purified Noni Seed Oil is now sold in a .20 oz (6 ml) bottle for our convenience. It certainly would be a great excuse to go for a vacation!

As indicated at the bottom of all our Noni web pages, these statements about TAHITIAN NONI® Purified Noni Seed Oil have not been evaluated by the Food and Drug Administration and these products are not intended to diagnose, treat, cure, or prevent any disease. Our Noni focused website has the details and ordering information.

Wii Homebrew installer has amazingly expanded the functionality of your Wii console from merely a gaming console to something more than that. With the help of this new software, users will surely have some great fun playing movies, music and more exciting games on your Wii console. Also, it allows you to import and back-up video games. These are definitely possible by simply downloading the installer from the Internet.

This new product is absolutely more practical and economical as compared to buying new video games at the store. You will be able enjoy the benefits of this software in just about 10 minutes of installing it. The entire process to download wii homebrew is quite easy to follow even for the first timers. A video guide is provided in order to ensure that every user will be on the right track of the whole procedure. This makes the installer really easy to be manipulated.

With this new software, it’s not going to require you with a modification chip like others because it will only lead to the termination of the warranty on your Wii. You should not worry about the support and update of the product because they are provided for free. To be able to finally unlock your console for the new and interesting features, you simply need a PC and SD card to perform the wii homebrew download.

The whole process of downloading Wii Homebrew Installer is quite manageable to accomplish. You just need to select the right site for the download services. When the software has already been downloaded, the next thing you do is install the file from your personal computer to the memory card of your Wii. After which, you then insert the memory card to your Wii and start to Play DVD On Wii, music, games and many more.

As a multimedia console, it has the unique ability that lets you play your own homebrew games. You will have the opportunity to play classic games such as SEGA, SNES, Genesis and many more games. Apart from that, users will also have the chance to play region locked games. With this, they will be able to play the imported games too. Downloading wii homebrew is more convenient and economical instead of purchasing a video game at the store.

You don’t have to worry about the legality of this online product because it is certainly a legitimate online business which is made available for everyone. You just have to read some reliable review sites in order to be guided properly as to which site to visit for the wii homebrew download. Your Wii console surely has a lot more to offer when it comes to entertainment. This software is totally the best option to enjoy your multimedia console.

Free Traffic System is the new age of article on marketing : it has its advantages and doesn’t have its downsides.

The advantages of both article marketing and Free Traffic System are obvious - Google and other search engines welcome and will always welcome the creation of new, helpful, non-duplicate content and that’s why search engines look positively upon the backlinks generated this way.

Due to this “benevolent attitude” from search engines towards links built through article marketing thousands of people are successfully using article marketing for years to improve their positions in search engines for the required keywords.

BUT, unfortunately article marketing has some heavy downsides - let’s have a look at them :

- when others republish your article they can remove your backlinks from article

This is a genuine problem.  After you have submitted your article to one of the major article directories - you lose control over this article.  Today tons of people are using different automatic tools to “harvest” these directories for content and republish its articles on their sites.

The difficulty is that more folks started to steal your content from article directories and automatically remove your backlinks from the resource box.  OR they thieve simply a small portion of your content ( initial paragraph of your article, for example ) and give a backlink to the article catalog.  This is superb for article directory, but not for you!

With Free Traffic System you are warranted that pages where your content is republished will remain with YOUR backlinks employing free article marketing process.  Those blogs who break this rule and touch your links ( modify them / make them invisible / remove them ) will be removed from the Free Traffic System and lose access to quality content.

- duplicate content Problems

You see, when one and the same article is republished Google quickly “understands” this is a duplicate content and “sees” that a massive portion of your backlinks is made from reused content pages.  This isn’t deadly and Google won’t punish you for doing that, but it is rumored that Google seriously lowers the SEO cost of backlinks built from unoriginal content pages.

With Free Traffic System you have all tools important to make each of your articles be non-duplicate, even if the article is republished on twenty, 40, one hundred or even more blogs.  With the help of simple procedures - that will take additional 5 minutes per article - you’ll create dozens or maybe hundreds of understandable and CONCISE versions of article title and body.  It is all in your hands : if you make a decision to spend 5 mins and use the diversification tools provided by Free Traffic System, then each of the articles republished will be unique for Google and other search engines.  And this will immediately increase the value of your backlinks.

Investigates the comparison table to see Free Traffic System compared vs standard article marketing.

Click on the following link to obtain your UNLIMITED free backlinks based on this profitable Article Marketing Strategy.

An Introduction to Working from Home

Ask anyone to choose their ideal job and home working would come high on their wish list. Whether home working is an option provided by your employer or a decision you have taken yourself in starting your own business, the thought of just getting out of bed, walk over to a workstation and just start work is very appealing. No commuting to and from the office and working hours to suit yourself.

But is home or flexible working right for you as an individual, or good for your business as an employer? Well there are many advantages and disadvantages. Home or flexible working brings new responsibilities for both the employer and employee. Equally with advances in mobile technology it has never been easier to set up your own business to work from home.

An Increasing Trend

From a business point of view, allowing staff to work at home on either a full or part-time basis can bring a range of business benefits, from increased productivity, greater staff motivation to effective use of your premises. Advancements in mobile technology has contributed enormously to the increase in opportunities for working at home.

The spread of home working using the internet or telephone opens up a new range of possibilities with regards to the way a business works and structures itself. Computers, mobile phones, broadband and mobile broadband all play a role. For the individual, becoming self employed and working from home has also never been easier. If you have a laptop and mobile phone the opportunity is there, it’s just deciding what you want to do. So home working is becoming a way of life for many individuals and businesses, but what is home working?

Some employers will offer selected employees the opportunity to become a teleworker, whereby an employee can undertake their role from home utilising various types of technology, which is installed at the employees home by the employer. The employee will remain in touch with the business and other teleworkers. Some businesses, for example the utility companies who require gas, electric and meter readers, will class employees undertaking this type of work as teleworkers or outworkers.

Some individuals opt for the self-employed work life. The self-employed will operate their business from home, offering a product or service such as web development or business consultancy from home. In these types of roles, the individual can often plan their day to suit their own needs. I know one web developer who often works well into the early hours of the morning as this is when he feels most productive.

Others such as a painter and decorator, plumber or gardener, whilst providing their services away from the home, use home as the office for paperwork such as pricing future jobs and preparing invoices. I know of several painters and decorators who work Monday to Thursday, but use Friday’s to go out and price up future potential work. That is one thing to bear in mind when setting up as self employed, you need to allow time to find or prospect for future work.

Some types of work are more suitable for home working than others, the following list is not exhaustive, but will give some guidance:

• Telesales and Marketing
• Customer Services
• Professional services & consultancy i.e. HR Administration & Accountancy
• Certain types of administration work
• Data input
• Creative/Graphics
• Writing, editing, translation and research.
• I.T. Support & Programming

Many of the above have a common theme and that is that as long as you have access to a computer and a phone, you can undertake almost all of these tasks from home.

The shift towards flexible working does not mean employees only work from home. Splitting time between the workplace and home is the most productive solution, as you want employees to attend meetings, therefore keeping them informed and involved. Continued face to face interaction within the business remains a key requirement.

With the introduction of flexible working regulations, employers now have to seriously consider employee requests to work flexibly from home, especially if they have parental responsibility for children under 16 years old, disabled children or they are carers for other adults with disabilities.

Employers and individuals also need to consider what equipment will be required to ensure that an efficient business operation and working environment is set up.

Many accessories can complement office furniture to suit the home or office environment.

The Pros and Cons

So what are the advantages and disadvantages of an employer allowing employees to work from home or use their home as a base for at least part of the working week? It’s clear there are a number of benefits to the employer:

• Staff Retention is increased
• Wider pool of applicants to recruit from e.g. disabled people who prefer to work from home.
• Productivity gains through having fewer interruptions and less commuting time.
• Reduced stress and sickness increasing staff motivation.
• Savings on office space and facilities.
• Sales staff closer to clients, rather than being based at the office which could be miles away.
• As with life if there are advantages then there are also disadvantages to home/flexible working:
• Management of staff and monitoring performance
• Possible deterioration of key skills and quality of work.
• Capital costs - training and providing suitable equipment, this could include adaptations to meet Health & Safety standards or meet the needs of disabled workers.
• Difficulties maintaining staff development and upgrading of skills.
• Information security risks
• Increased telecommunication and I.T. costs
• Sense of isolation and communication problems amongst home workers.
• Staff morale and difficulties in maintaining team spirit.
• Home working may not be suitable for certain types of jobs.

One thing I particularly miss is the Monday morning office banter about what you did at the weekend of how your football team has fared compared to others. Often the camaraderie that is unique to an office where you get to know people well over many years is also lost where flexible working becomes an option.

Are You Suited o Home Working?

Having identified the types of work that is suitable for home working, the employer must satisfy themselves that employees are suited to this type of work. It’s likely they will need a number of skills in key areas to allow them to work away from base.

• Time management and self discipline
• Motivation
• Communication
• Technology

We must make it clear that home working is not suitable for everyone and care should be taken, because allowing one person to work from home will set a precedent that others will want to follow. Others will see an attraction to working at home particularly on a lovely summer’s day, rather than being stuck in an office. I must confess that as I write this article, I am sitting in our summer house at the bottom of the garden with the laptop on a glorious summer’s day in June.

An employer you must have a clear idea of how home/flexible working could fit in with the needs of the business. A set of house rules need to be established and maintained, i.e. priority is given to requests from parents of young or disabled children. My wife for example, plans her day around the hours of taking the children to school and collecting them later. She maintains that she is extremely focused on what she needs to achieve within those six hours in between. No distractions or idle chit-chat that will occur in an office environment.

In some cases the employer is legally obliged to seriously consider requests for home/flexible workers. Employee with parental responsibility for children aged 16 or under, or disabled children who are under 18 and receive disability living allowances can request a range of flexible working patterns from their employers, this includes the right to work from home. There are similar rights for employees who are carers of adults.

The introduction of flexible working can also lead to an changes to employment contract terms and conditions. In a majority of cases an employee’s place of work is listed in the written schedules of their employment contract. It’s important that when an employee starts to work from home it may be necessary to review and amend their employment contract.

The following is a list of contractual aspects an employer should consider when implementing a home/flexible work policy:

• Stated hours of work
• Identify core times when employees undertake to work and/or are contactable.
• Extra duties or responsibilities that may need to be assigned in addition to those already agreed
• Identify the terms regarding the supply and insurance of any equipment that may be required, these should clearly state ownership and use, especially that its not to be used for personal use.
• Clearly identify what the employer will reimburse to cover additional expenses the employee may incur, its especially important to identify the calculation method when costs are shared i.e. utility bills and telecommunications
• Procedures to be put in place if either the employee or employer wishes to terminate the home/flexible working arrangement.

Allowing home working the employer should remember that they still have health and safety responsibilities for people who work at or from home; and you are likely to have to provide and maintain equipment for employees to use, these include:

• Workstation complete with suitable task chair
• Filing cabinet, shelves or storage
• PC/Laptop with office software, email and broadband internet connection
• Dedicated business telephone line
• Printer & fax machine
• Stationery and Office Supplies

A study of the impact on the body of a poor seated posture at the desk, has led to the development of the stylish ergonomic office chair which will help to prevent back problems.

IT equipment and software can be expensive so it’s important to ensure it meets your genuine business need and is compatible with your existing systems. Technology changes almost daily and with today’s advances the establishment of virtual teams where employees work together despite working at home can be set up easily and at reasonable expense. These teams could be two employees talking over the phone or you could use more hi-tech solutions like high speed internet, instant messaging, webinar and video conferencing. Many laptops now have web cam and this also offers the chance to see the person you are speaking with.

Providing all this kit and equipment it is important to ensure your business insurance cover is extended to cover home workers, as their home insurance is unlikely to cover this, however they should check with their insurer and extend their policy to include working from home.

Workers who adopt home working should check with their local council and mortgage company the position regarding using their home as a work base, and whether they may have to pay business rates for the portion of their home they use as an office. Some self employed businesses will involve use of a vehicle which will need to be parked up at certain times of the day. For example painters and decorators and builders are likely to utilise a transit van or pick up truck in the work. You should therefore ensure that neighbours will not be offended by having the vehicle parked in the street or to block light out of their homes. If you are to park a vehicle at home, let the neighbours know, it may save a lot of hassle later.

The employer needs to ensure that employees take care of business equipment and information in their possession, it’s important to establish procedures to be followed if any item is damaged or lost, especially data and intellectual rights.

We all agree that flexible working offers a wide range of benefits to both the business and employees, but it needs to be carefully managed to be successful. Procedures should be put in place for managers to monitor and assess home workers, this is the most significant managerial challenge an employer will face. It can be helpful to measure their effectiveness in terms of output rather than the hours of work. Agree set goals and deadlines for particular tasks, and ensure these are being met, give feedback promptly and sensitively if things go wrong.

Ensuring home workers have access to training can prepare and help employees develop the necessary skills they need.For staff who work alone a sense of isolation is one of the main factors most likely to make home working fail, therefore it’s important to ensure procedures are put into place to make people feel part of the team, these should include:

• Frequent two-way feedback sessions about work and work related issues
• Regular scheduled visits to the workplace
• Inclusion in social activities for home based workers.
• Clear procedures to be followed and contact lists for when things go wrong.

When the employees job is entirely home-based from the start, make sure their induction is undertaken at your premises, this helps the home worker focus and be productive if they have a chance to establish a clear idea of the people they will be working for. The most successful home workers are those who have worked from the business premises previsouly.

I really did my homework to find where to buy office chair desk systems and a range of matching office accessories.

A Brief Health & Safety Obligations Check List for Home Workers

If you use your home as your main business workplace, you must carry out a health and safety risk assessment to identify any possible hazards to yourself, workers, visitors and other members of your household.

Possible hazards include:

• Using work equipment at home, including electrical appliances
• Your workstation set-up
• Handling loads
• Hazardous substances and materials
• Psychological hazards, such as stress or loneliness
• Fire
• Slips, trips and falls
• Excessive noise or vibration

Slips, trips and falls are one of the most common causes of injury in the work place. Even something we take for granted on a daily basis, such as walking up and down the stairs, should be regarded as a hazard. Evaluate whether a hazard is significant and if it is, whether you have taken enough precautions to make the risk as low as you reasonably can.

You need to consider:

• Your home and those who live there - including vulnerable persons, e.g. children, the elderly, and new and expectant mothers
• The work done in your home
• The equipment in your home
• Emergency procedures
• First aid provision

Five steps to a health and safety risk assessment

1. Identify any hazards.
2. Decide who might be harmed and how.
3. Assess the risks and remove them or, otherwise, reduce them as far as is reasonably possible.
4. Record your findings.
5. Check the risks regularly and take further steps if needed.

Conclusion

With advancements in mobile technology, working at home has become far easier to do. It can offer a very balanced way of life and the rewards can be significant. In the current economic climate, many who have been unfortunate to suffer redundancy or reduced hours are considering setting up their own business to work from home. Having worked in the corporate world for over twenty years and just suffered redundancy, it is certainly something to consider.

But working at home needs to be considered carefully. Is it right for you? Is it right for your employer? What impact will it have on your homelife? Many advantages, but also many disadvantages and bear in mind the health and safety requirements and risks. Your health is important so choosing the correct office furniture to meet your needs is a must for any home worker to ensure you have the proper facilities for home working.

For years a friend of mine worked from home with his desk in his living room and eventually he realised that he could never get away from work, which is as important as doing the work in the first place because we all need time away from work.

If you are lucky enough to really love your work the temptation can be to do it all day long. Eventually this can lead to burn out and can also take away some of the pleasure of working, even if it is something you really love. Therefore it is important to have balance in your life, even more so when you work from home. Some suggestions to help to achieve this are to make sure that when you have lunch, for example, remove yourself from the work space and don’t eat at your desk, get some separation from the work when you are not doing it.

Remember that just because you work from home it doesn’t mean that work has to take over your life either.

What is the Zone Diet (and some more tid-bits).

Did you know that the word ‘diet’ is actually a Greek word? YES! It means “way of life”. This diet give you the ability to control your genes. Huh? Okay, it will be explained. Because of this ability, you will feel your energy soar. Not only that, it eliminates your hunger and helps you to lose weight as well. You are the one that has the ultimate control over your wellness with the Zone Diet.

The main purpose for this diet is to maintain and balance out your hormones. It consists of low fat protein, low glycemic load carbs. These are carbs that are from fruits and vegetables. This diet helps to fight hunger and those cravings. It balances all of the essentials that your body needs. You basically consume in moderation carbohydrates, protein and then, of course, there are fats.

An even more in depth look is into what we need and what they mean. Insulin is something that our body uses to store hormones. storing too much is really bad for you, however, it is necessary to have some in your diet. There is another hormone that enables the body to release carbs and stabilizes blood sugar levels. This element is essential for mental and physical abilities. There is another hormone that controls the silent inflammation that is triggered by the insulin. The goal is to maintain and balance your hormones.

What makes People Chose Zone?

There may be more to it than merely losing weight. Some people may want to go on the diet so that they can maintain their health on a regular basis. There are a few good reasons why people chose to stay on this diet. There are positive reasons to keep to this diet because it balances many things including your mentality and fertility. It is in the hormones that seem to make our bodies function. Well, if that alone is not enough to convince you to become a Zone Dieter, maybe you can gain inspiration from famous people like Jennifer Aniston, Cindy Crawford, Tiger Woods, Renee Zellwenger and even Tom Cruise. They have all faithfully followed this trendy diet.

There is Always Going to be the Pros and the Cons in Any Diet.

A major con if that the Food and Drug Administration does not condone this diet. They are not for it because of the fact that the diet is high in protein and there is a lack of the nutrients that our bodies need. No to mention very few studies have been conducted on the long term effects of the diet. Because of the criticism from the dieters who like to eat just vegetables and vegan eaters who rely on only vegetables on a daily basis, the Zone diet can be supplemented with soy protein to accommodate our vegan friends.

As with any diet, you will have to actually take part in it to see whether or not it is the right diet for you. It is highly recommended that you consult with your doctor before trying any diet. Doctors know your body even better then you do. They will definitely know whether or not this is the right diet for you. As far as results are concerned, there is only one way that you will know for sure and that is to TRY IT for yourself!

There will always be critics but the ultimate test is what works for you. You will know this by trying the diet. Hey, if it worked for one of the fattest men in the world (who topped 1200 pounds), it may very well work for you as well. This man seems to be healthy but he cannot do normal activities because of his weight. He is on this diet and it seems to be working well for him. It is not always about appetite control but more about keeping your food cravings and hunger down to a bare minimum. Not all diets are for everyone but as it was mentioned earlier, there is no way of knowing until we try them for ourselves.

The master mind behind the diet, Dr. Sears, strives to work with each patient. He teamed up with Mexican doctors to aid in helping the obese patient. He has books written to help guide you. Each patient has his or her own individual needs and must being willing to try to lose weight and maintain it by following instructions. Reading about a diet will sometimes let us know whether or not it is for us as well.

The author of this article runs a web site devoted to candle business and gold candles and sentsy candles.

Do you enjoy taking black and white photos with Fujitsu cameras? Of course you do! Many individuals focus their time and energy on capturing emotionally charged, stunning photographs. In this guide, you will be introduced to the top 3 tips for taking black and white photos with Fujitsu cameras.

1. The first step to taking beautiful black and white pictures with Fujitsu cameras is to avoid implementing the use of special settings on your camera that alter the photograph. Your goal should be to capture raw images and transform them into magnificent works of art. The only setting that you should implement, if any at all, is the sepia setting or the one that deletes the color from the photograph.

2. You should know and understand the concept of light and shadow in order to capture emotionally charged black and white images. This may take a little experimentation, but it is well worth it. If you must, take several shots of the same scene in order to understand the roles of these two important elements.

3. Purchasing lenses that can be attached to Fujitsu cameras can help you in the area of producing exquisite images. Many lenses will automatically add shadow, light, grain, and basic grayscale. It is important to experiment with lenses as much as possible.

There are several tips for taking black and white photos with Fujitsu cameras. By following the specific tips highlighted in this guide when using these types of cameras, you will be able to produce amazing works of art that capture emotion, and life with ease.

The author of this article runs a web site devoted to compression gloves and level gloves and nitrile gloves.

Those that know of Network Marketing Business Opportunity, know it is for all intents and purposes a people business. Some even call it a poor man’s franchise as it doesn’t cost much to get involved with but there are lots of similarities between the two business models of franchising and network marketing. Advocates of the MLM industry say it is the fairest business model where all the stakeholders win. Those who are doing network marketing will agree whole heartedly with this.

An irreplaceable facet of the network marketing business opportunity model is that each respresentative is in business for themselves but in no way in business by themselves. This is supported by the design of the compensation plans where each distributor shares in their group income which promotes support from their upline. The more support the upline give the larger the income that can be generated.

It is no secret that many smart representatives have made huge money from the network marketing business opporuntity model. While its true this is not the case with the majority of those mixed up with MLM, however every distributor has the same opportunity. Ultimate success or failure in a Network Marketing Business Opportunity is not determined by politics, race, age, background or gender, but only by results. This is why it’s known as the fairest business model in the world.

For countless distributors the true value of their MLM business opportunity is not to be found in the financial return but the life skills they learn while building their business. The true value of the education and challenges while growing their MLM business can be truly incalculable, forcing them to transform as they are forced to get out of their comfort zones, grow, and in many cases become a better person.

This learning as you earning is one of the significant aspects about a MLM business opportunity. The training system contains a lot of the educational material required for success in network marketing. This makes the new found knowledge very easy to absorb and reinforced as it is put into action on a daily basis. There is no other business model that I’m aware of that emphasis’ so strongly the importance of personal development as the network marketing business. The impact of experiencing the personal development by way of the teaching offered is vastly different from employer style educational instruction where they assist with personal development.

It is as a result of this system of education that Network Marketing Business Opportunity build people. Network Marketing is without a doubt the best place on this planet to gain knowledge of what it takes to be successful in life. Best of all you don’t need wealthy parents or scholarship to join.

Many homeowners are considering taking advantage of today’s historically low interest rates by refinancing their mortgage. In many cases, they are able to save hundreds of dollars per month by refinancing. Whether mortgage refinancing makes sense for you can be easily determined by doing some simple math.

The first consideration is how much lower your new interest rate should be than your current rate. There is a common belief that if current rates are more than 1.5 to 2 percentage points lower than your current rate, then you should refinance. That’s a good starting point, but there is more to the story than just the raw interest rate.

Your real concern should be the total cost of the mortgage refinance both in the short term and the long term. The total cost includes not only the monthly mortgage payment (principal plus interest), but the closing costs, as well. Closing costs typically include such things as:

 

 

• Appraisal fee

 

 

• Credit Report fee

 

 

• Processing fee

 

 

• Commitment fee

 

 

• Tax Service fee

 

 

• Flood Certification fee

 

 

• Discount points (if any)

 

 

• Title Insurance (based on mortgage amount)

 

 

• Recording/Notary fee

 

 

• Per diem Interest

 

 

• Real Estate Taxes

 

 

• Home Insurance (percentage of mortgage amount)

 

 

Adding all these up can easily run into several thousand dollars, even without discount points. This is money that must be paid at the loan closing. In the case of a mortgage refinancing, lenders often advertise “no closing costs”, which is a bit misleading. The truth is that there ARE closing costs, but they are paid out of the proceeds of the loan rather than the pocket of the homeowner. This is possible when the homeowner borrows against the equity in their home as part of the refinancing.

As an example, let’s say that your home is worth $175,000. Your original mortgage was for $125,000 over 30 years at 7% interest. You still owe $100,000 on the original mortgage. The closing costs for your refinance are $3,000. If you simply refinance the $100,000 amount at a lower interest rate you will reduce your monthly payments, but you will have to pay the $3,000 closing costs out of your own pocket. If you choose the “no closing costs” option, your $3,000 closing costs will be paid by simply borrowing the additional money against the equity in your home (i.e. the value of your home less the amount owed). Your mortgage will now be for $103,000 instead of $100,000.

So, what about that widely held 2 percentage points belief we mentioned earlier? The monthly payment for a 30-year $125,000 mortgage at 7% interest is $831.63. For your new 30-year $100,000 loan at 5% interest, the monthly payment is $536.82, a savings of almost $300 per month. If the new mortgage is $103,000, the monthly payment is $552.93, still saving you over $275 per month. In this scenario, considering only the monthly savings, you would recoup your closing costs in as little as 10 months.

Sounds great, right? Well, there’s another factor you need to consider. If your original mortgage was $125,000, you’ve been paying on it for 152 months to get the principal balance down to $100,000. Therefore, you have 208 months left before the mortgage is paid off under the original terms. If you continue without refinancing, you’ll pay an additional $172,978 (208 months at $831.63 per month).

If you refinance your mortgage for the $100,000 you currently owe, you’ll pay on it for 360 months at $536.82 plus the $3,000 closing costs for a total of $196,255.

$172,978 <– payout without refinancing

-196,255 <– payout after refinancing

-$23,277 <– difference

In this case, by refinancing you will end up paying an additional $23,277 for the new loan over the original mortgage. This works out to about $775 per year, which may be acceptable to you in order to have the lower monthly payment now. You are the only one who can make that decision based on your personal financial situation. The important thing when refinancing your mortgage is to consider all the ramifications.

This is another of today’s money secrets that can help you get the most for your money in today’s lending market!