High School Online

Online learning has long been the domain of adult learners and college students. However, as the technology surrounding elearning grows, and more people have access to the online environment, more and more high school students are opting to complete their education online.There are many different reasons for working through high school online. Some of the most common situations surrounding high school online include:

• Accessibility: whether it’s because of a physical disability or just simple location, sometimes it’s not easy for a student to get to and around school. If accessibility is a concern, online learning makes things easy. There are no buildings to get into or around, no classrooms to navigate, and little travel time required to get to the living room and sit in front of the computer.

• Learning Disabilities: a learning disability can make the high school experience difficult for students. Perhaps your child needs extra attention that’s unavailable at the local school, or he or she needs extra time that doesn’t come easily in a traditional school day. Regardless of your child’s needs, studying online is a more personalized and adjustable experience. Your child isn’t expected to fit in with a class of 30 other kids with different skill and knowledge levels, and you can cater the program to individual needs.

• Scheduling: it’s a reality that many high school students work. That job might be something as simple as a part time job at the local convenience store, or it might be the beginnings of a career (think child actors or musicians). If a student has to reserve time for work, it can be difficult to adhere to the traditional school day schedule. Online learning allows students to pick the hours that are most convenient for them, so they can work all the other elements of their daily lives into their education.

• Socialization: the teenage years are some of the hardest that any person can live through. Moreover, in high school, it’s really easy to feel like you don’t fit in. Sometimes the situation is so serious it affects the student’s ability to learn. In an online environment, students interact with each other but the interaction is more removed so there aren’t the social pressures of appearance or style. A normally shy or reserved student may feel liberated in the online environment, making the high school experience easier and more useful.

• Personal Choice: some students just don’t work well in the traditional school setting. They may get bored with the pace, or be looking for a more individualized approach. Online learning will allow students to cater their learning to any needs they may have that aren’t met by traditional schooling methods.With all the new advances in online learning, high school online programs are becoming more easily available. If you or your child isn’t satisfied by the traditional high school experience, give online learning a try!

Dental Insurance Plans

When you get a job with a company that offers dental and health insurance plans, it can very easy to only select the bare minimum coverage to prevent the deduction of too much money from your paycheck. Some people even opt not to take either insurance, or only one, to save even more money. This strategy can and will only end up costing you more money in the long run. Sign Up For Full CoverageMost companies that offer dental and health insurance plans do so after ninety days, or some other probationary period. This is to ensure that the money spent on the plans isn’t going to waste on employees that may not last. The ones who stay, however, are rewarded by the offering of benefits. Dental and health insurance plans are usually set up on a group plan, which means you get discounts and better rates as a corporation, as opposed to the rates you’d get as an individual.

That’s why it’s a very good idea to sign up with whatever dental and health insurance plans your company sets in front of you.When signing up with the dental and health insurance plans, sign up for the best coverage you can afford. Sure, the money is being taken out every month from your paycheck, but if you think about it the insurance plans are actually saving you money.Especially if you have children, you have to realize all the money the average person spends on health care. There are doctor’s visits, physicals, there are the times when you or your family fall ill, there are broken bones, there are toothaches, root canals, and more. All of the above could happen at any time, and you’d better be prepared for it. Good dental and health insurance plans should cover the above ailments.

That means that, even with all those doctor visits and medical bills, you could end up saving thousands of dollars merely by having a little money taken out of your check each month.It may seem a shame to have that money taken out when you feel fine but you have to realize that anything can happen at any time. You need to have dental and health insurance plans in place in case the inevitable happens. Medical and dental bills can be outrageous but they don’t have to be. So, sign up with dental and health insurance plans and make sure you and your family are protected for whatever life throws your way.

UK personal injury solicitors

approaching and the heat is on for employers throughout the UK. Last year's heat wave saw employees flagging all over the place and, with temperatures set to saw during Summer 2007, more of the same is expected.June-August ought to be about taking dips at the beach, indulging in cool ice cream and picnics in the shade not searching for the best UK personal injury solicitor to represent you in a case against your employer. However, heat stress in the workplace is a very real phenomenon and something that both employees and employers should be aware of.Working conditions and the lawThere are very strict guidelines in place about the minimum temperature that workers should be exposed to.

However, the law concerning the maximum temperature is not quite so stringent.Regulation seven of the Workplace (Health, Safety and Welfare) Regulations 1992 refers to temperature in indoor workplaces and sates that, "During working hours, the temperature in all workplaces inside buildings shall be reasonable. However, the application of the regulation depends on the nature of the workplace i.e. a bakery, a cold, store, an office, a warehouse."According to Thermal Comfort in the Workplace by the HSE, "An acceptable zone of thermal comfort for most people in the UK lies roughly between 13°C (56°F) and 30°C (86°F), with acceptable temperatures for more strenuous work activities concentrated towards the bottom end of the range, and more sedentary activities towards the higher end."In July last year, The TUC warned employers to keep workplaces cool as they campaigned for a new maximum temperature to be set. Employers were advised to take action to protect their staff by doing things such as providing fans and plentiful amounts of cold drinking water, otherwise they may be held accountable for their workers sustaining workplace injuries or illness and face having compensation claims made against them.

There is quite a high risk of overheating when at work and sustaining a work-related injury. if you are forced to work in conditions where you are too warm it is likely that your concentration will be poor, you will become fatigued and even if you don't suffer heat stress or exhaustion your body and mindset will be in a state where personal injuries can be easily sustained.What is heat stress?This is a condition which can occur when the body's natural means of controlling its internal temperature begin to flounder. When we become overheated our blood flow increases to the skin's surface and we begin to perspire. Sweat then evaporates from the skin's surface and helps the body to cool. An increased blood flow usually means that the heart is put under a tremendous strain and excessive sweating can lead to dehydration.

Symptoms experienced by those suffering from heat stress include an inability to concentrate, heat rash, thirst and muscle cramps. Fatigue, dizziness, nausea, headaches and moist skin may be signs of heat exhaustion whereas confusion, convulsions, hot dry skin and loss of consciousness could point towards the more severe heat stroke.There are a number factors that can determine the risk of heat stress including air temperature, humidity, air movement, work rate, work space, work clothing and a worker's age, build and health. Clearly, employees in professions that are characterised by a hot environment or restricted space such as compressed air tunnels, boiler rooms and kitchens are more likely to suffer the effects of heat stress. However, office workers and those in other professions are also at risk of suffering in the heat.Advice for employeesIn order to avoid sustaining heat stress while at work and being faced with the decision of whether to make an accident at work compensation claim you could try doing the following:

* Wear cool, loose clothing

* Avoid working outside at the hottest part of the day

* Consider reducing your work rate

* Drink plenty* Fan yourself

* Take regular rest breaks

* Choose to sit in shaded, cool areasAdvice for employersIt is a good idea to try and make your staff as comfortable in their jobs as possible.

Not only will this make them more productive as a workforce but it should also protect them against sustaining personal injury and illness which will lead to them taking time off work and could even prompt them to employ the help of an expert personal injury solicitor to make a no win no fee claim against you.

* Provide a reasonable working temperature in workrooms, usually at least 16°C or 13°C for strenuous work.

* Regulate workers' length of exposure to hot environments and allow them to take regular rest breaks.

* Make sure cool water is in supply and encourage workers to drink small amounts regularly.

* Control the temperature of work areas using devices such as air conditioning and fans.

* Supply appropriate clothing incorporating personal cooling systems or breathable fabrics or allow employees to dress down.Provide adequate training to all employees warning them of the risks of heat stress and associated personal injuries and conditions.Identify employees who are more susceptible to heat stress, monitor their health and supply them with medical advice if needed.Don't put yourself or your employees at risk this summer, make the working day heat stress free and keep those UK personal injury solicitors at bay.

Software Download Issues

It’s not uncommon for software to cost more than the hardware of the computer it is installed on. In fact with hardware prices falling, it will soon become a trend for the software on a computer to cost more than the hardware. The problem with using freeware software and open source operating systems is that they do not support main stream products like Photoshop or Microsoft Office. Although some corporations have started using open source operating systems to reduce operating costs of their organizations, the problem is that open source software is no where as friendly as commercial software. A good example is Linux, although Linux is free to use but the dominance of Windows is undeniable because of its ease of use and the wide variety of software Windows supports. If you are looking to buy software for less one option is to visit sites like www.wehavesoftware.com, such sites allows users to download softcopies of all major operating systems and software at much lower prices.

Many people believe that such sites are illegal and they are infringing on copyright laws, the truth is that such sites are giving people access to software at much cheaper costs. In fact one of the biggest reasons that Linux was developed was because the developer felt that Windows was over priced. If you are looking to download software online, then there are a couple of things to keep in mind before you download any software from the internet. The first thing to understand is that there is a very thin line between piracy and downloading backup copies of the software. It is not the site’s responsibility but your responsibility to use the software judiciously. If you are still not sure if what you are doing is legal or not, don’t worry just read the terms and conditions page on the site and you will understand exactly if actions are legal or not. Also once you download any software make sure that the software is scanned using a virus scanner.

There are also sites that offer downloading of software for free (termed as warez), however more often that not such software is buggy and has many legal implications. You are better of paying for the software and downloading it then trying to visit sites that are offering software illegally. Also remember that distributing the software once you have downloaded it is illegal, irrespective of the nature of your terms and conditions with the site you have downloaded the software from. If you are concerned about the legal implications of downloading software remember that cyber law in the US is much more developed than most countries. The chances are that the site you are dealing with has probably been scrutinized to see if it meets legal requirements. Finally make sure that you check to see if the software you are downloading is compatible with the hardware and operating system you have installed. Since the transaction is purely electronic once you have paid for the software the chances of getting a refund are slim.

Flash in your Website

There are quite a few website on the World Wide Web where the website designers have used Macromedia Flash in the website design. Some of these websites use the flash very skilfully and this flash really adds value in the website design. It is very important that you as a user understand the value of flash before you get into negotiations with your website designer to get website developed for your business. The reason I suggest that you consider it before-hand as including flash in your web design Canberra Australia is an un-necessary expense if it doesn’t add any value to your website. Flash on your website means more dollars for your website designers.There are various ways in which Flash can be used on your website, some of the most common reasons are:1. A Flash Banner: This banner allows you to highlight your products and services as an animation or slide-show.

A flash banner (without music) is a good way to showcase your business products and services. As they say a picture is worth thousand words and you can easily showcase your products on the website.2. A Flash Menu: A Flash menu replaces your text links and also your image links. A Flash menu in your website design allows you to put in minor and attractive graphics without making your website too heavy.3. A Flash Video/Audio: If you don’t have access to the streaming server, A flash video or audio is the best way to preserve your copyright and stop your competitors from copying your multimedia content.4. A Flash Presentation: Many people use PowerPoint to post their presentations.

I say that Flash is probably a better option. It is always lighter than PowerPoint, works on any platform and is a very good way to protect your content.Apart form the above you can have your website designed completely in Flash. But, my opinion is that if you are not a music company than this probably is a total waste of money.In conclusion, I would suggest that whenever you consider putting up new flash in your website design, make sure that its for all the right reasons (and because someone else is also using it is not a valid reason in my opinion). You should always consider if it adds any value for your business and if it does, that’s when you should consider using it.

The Basics of Stock Trading

Stock trading is taking on the world with lightning speed. It is potentially one of the most profitable investment initiations available in today’s intensely volatile financial markets. Stock trading is not something you should enter into lightly. When it comes to stock trading or investing in stocks, most individuals are not at all prepared, or aware of what the Wall Street professionals have in store for them. We try hard to bring you quality articles and information so you don’t have to search elsewhere. If you are a beginning stock trader or an old pro, you will find information here to help you understand your markets better. Take your time and read our site and see if you can better understand what it is you want to accomplish with stock trading your financial goals. You also need to consider that in online stock trading and investing, being informed with real-time information is crucial.

Most predictions are based upon past knowledge of the stock market and examples of the market’s past movements are used to give credence to those predictions. Determining market direction is the goal of any stock trader making predictions as well as the time of the change in market direction. Everyone wants to beat the stock market as a stock trader and make a bunch of money, but only those stock traders that are very lucky or have a method of predictions of where the market is going will have a shot at it. When you are a real stock trader the markets are you chessboard. Buying and selling stocks is fun when you make money and not much fun when you lose money. Why not learn everything you can about stock trading and daytrading at AvidTrader’s Library? Doesn’t it make sense, if you want to be an expert stock trader, to learn everything you can about stock trading? We have found that the best stocks for stock trading and day trading are the stocks that make up the S&P 500. These stocks generally have strong relative strength and absolute performance to the S&P 500 Index. There are a number of strategies used by stock traders in order to accumulate profit.

The most popular stock trading strategies are day trading, swing trading, value investing and growth trading. All stocks are held for a very short time period. If you would like to share your knowledge, tips, strategies and insights into how to successfully buy, sell, trade and invest in stocks, options, futures, forex (currencies) and mutual funds, please contact us with your article.ConclusionToday’s markets are more competitive than ever and you need a great source for information. AvidTrader’s Library can help get you started in the right direction for stock trading whether it is online stock trading, day trading and or swing trading. Remember, stock trading is a get rich slow process.

The high levels of risk and uncertainty as well as the complex nature of stock trading is enough to deter most people from becoming stock traders. In truth, stock trading is like anything else that requires the utmost skill and discipline to succeed. Most stock market books that you buy on trading stocks are not even worth buying. That’s why the most important aspect of stock trading is the knowledge FILTER you employ to make your buy & sell decisions. So visit AvidTrader’s Library and improve your knowledge FILTER today!

Unfair pay and employment law in one-off drama.

It is fair to say that BBC2’s airing of Simon Bent and Philippa Lowthorpe’s drama Sex, the City and Me was the stimulus of some fascinating debating material that has been thrown around the YouClaim office in the past week. The one-off drama starring Cutting It’s [italics] Sarah Parish raised more than a few prominent issues concerning employment law which are representative of both a changing world and a changing workplace.Centring on the story of an ambitious female investment banker that falls pregnant at the pinnacle of her career, the powerful drama shows the struggle against bullying and harassment at work, which many women in the UK face today.Jess (Parish) is the one that lands the big investors and manages a highly successful team but an insight into the barriers she faces as a female employee are first signalled when she receives a fraction of the bonus that one of her male underlings receives.

Everyone is stunned when high-flyer Jess announces she is pregnant but her Machiavellian boss (Ben Miles) is hot on the case to find a replacement, whether she decides to return to work after her maternity leave or not. The fact is Jess can’t wait to get back to the office but when she returns everything is not quite as it ought to be. She is faced with having someone else sitting at her desk, having had her client base distributed amongst her colleagues so that she has to build up a new one from scratch, having had her responsibility as team manager taken away and receiving an even smaller bonus than before. Jess is quick to realise that she is being managed out of the business and, realising her rights regarding employment law, she decides to make a compensation claim.She seeks out the expertise of a solicitor who will fight to get her the compensation she deserves and she finds Ruth, played by Sarah Lancashire. Ruth warns Jess that she shouldn’t trust anyone at work while she tries to gather evidence for her tribunal. The reality of this comes to light when Jess realises that she has been abandoned by her colleagues who will not help her for love nor money for fear of ending up in a similar position.

Eventually, after extreme stress at work, being dismissed from her job, suffering the breakdown of her marriage and almost giving up on the court case, Jess gains the evidence she needs from the office cleaner, allowing her to prove her case and win her compensation claim. Anyone who watched the drama would surely agree that this gripping and compelling piece of television really took the bull of sexual discrimination in the workplace and employment law by the horns. This comes at a time when it has just been revealed in the news that women in the public sector are taking more than 1,500 equal pay cases to court a month. It has been reported that, so far, over 10,000 compensation claims have been made in the health sector and five times as many have been made in local government.

Many of these claims have been sought under the no win, no fee agreement and settlements have ranged from £10,000 to £300,000. With the help of in-depth interviews with women who had previously fought major employment law cases in London, Sex the City and Me explored issues of sexual harassment, gender discrimination, unequal pay, pregnancy and parental discrimination and revealed that in some instances the glass ceiling is still very firmly in place.

Internet Investments: easy profits or easy losts?

High Yield Investment Program.A High Yield Investment Program, or HYIP, is a often type of pyramid scheme normally offered via the Internet. HYIPs typically accept deposits as low as $1 while promising astoundingly high returns.Online HYIP schemes rarely last for the long term. Overwhelming number of cases suggest that HYIPs are Ponzi schemes, in which new investors provide the cash to pay a profit to existing investors, which they typically then withdraw. This approach allows the scam to continue as long as new investors are found and/or old investors leave their money in the scheme, known as compounding (because even higher profits are promised).The introduction of e-currencies has made it possible for HYIPs to operate on the internet and cross international boundaries, and to accept large numbers of small investments. HYIPs usually accept deposits by either e-currency, like e-gold, e-bullion and INTGold, or use specialist third party payment processors like AlertPay, SolidTrustPay, CEPTrust, TriStarMoneyChangers and StormPay.

HYIPs typically offer a significant incentive commission (for example, 9% of invested funds) for members to attract and refer new investors.Most HYIPs disclose little or no detail about the underlying management, location, or other aspects of how money is to be invested (often because money is not actually invested), and relatively little information (other than asserting that they do various types of trading on various stock and other exchanges) on how they actually generate the returns they purport. They are sometimes presented with some form of an emotional appeal, appeals for faith, and promises that they will help investors achieve financial freedom.Arguably, the largest HYIP scam that has existed on the internet was PIPS (People in Profit System or Pure Investors. The investment scheme was started by Bryan Marsden in early 2004, (according to the Wayback Machine record of http://pureinvestor.com) and spanned more than 20 countries. PIPS was investigated by Bank Negara Malaysia in 2005 which resulted in Marsden and his wife being charged in a Malaysian court with 97 counts of money laundering involving more than RM77 million - US$20 million - (copy of New Straits Times article dated 11 Oct 2006). Even after these charges were brought forth many of Marsden's followers/investors continued to support him and believe they would see their money some day. This behavior and denial could be seen and still is seen on hyip forums such as Talkgold Forum and others. Interest ratesHYIPs typically claim to offer interest rates of 1% or more per day on invested funds; some claim to offer much higher daily rates exceeding 200% a day. Allegedly, the highest-return HYIP on record has offered 1,100% ROI in one day.

Claims of astronomical returns without large capital outlay or background information are indicative of a Ponzi-structured HYIP program.As a comparison with a typical 1% per day claim, Warren Buffett, one of the world's most successful investors, made around 30% per year during his most successful period; that is on average, less than 0.1% per day. As the claimed returns of 1% per day are extremely unlikely to be produced legitimately, all HYIPs are therefore likely to be Ponzi schemes, and so most investors will in due course lose their money.HYIP games.As a result of online forums and monitoring sites which have made HYIP investors more aware of their nature, a different sort of "honest" HYIP began springing up in the early months of 2006. Basically, the HYIP owner calls his or her program a "ponzi-structured game" where one should "not invest money one cannot afford to lose", and where there is "never a guarantee of earnings or refunds".

They promise to pay out up to (for example) 95% of deposits, the rest going to hosting or other fees and the owner's profit.In such "games", the first participants ("investors") may make a good profit and are encouraged to refer other people to the program because of referral commission, the fact that they have already made back their principal and are playing with profit, and that the more people who deposit money, the more money can be paid out to participants. In theory, strategies can be developed to maximize profit using these games (but, of course, since this is a zero-sum game, such strategies work by taking advantage of ignorance or errors by others). Some forum users may gain a reputation whereby others will trust their word that they have been able to withdraw their profits, encouraging others to invest in the hopes that more will invest after them and that they can therefore make a profit. As these games are by definition Ponzi schemes, it is inevitable that the vast majority of investors who are not at the top of the pyramid will lose their money.

These "games" might be considered as lotteries. However, the odds of winning cannot be determined, as one cannot know whether one is playing early enough to win money (that is, whether a sufficient number of new participants will follow). Thus, these activities are unlike a lottery or other forms of gambling, where a player has an equal chance of winning no matter when a ticket is bought, or where the odds of the game are known.HYIP monitors.HYIP monitors, or HYIP listing/rating sites, are websites that list and/or promote HYIPs for referral commissions. The monitor charges each HYIP a listing fee which is usually then invested into that program, although there exist free listings and occasionally monitors which invest their own money. The monitor then labels the HYIP as "Paying" or "Not paying/Scam" depending on whether interest is received within the terms specified by the program. Monitors also allow other HYIP investors to rate and comment on the programs, based on factors such as promptness of payouts and responsiveness of the HYIP administrator.

Programs with higher ratings achieve higher rankings on the monitor sites, which coupled with a "Paying" status may entice more investors who rely on the monitor.In most cases, HYIPs only pay monitor sites to keep their "Paying" status visible, but do not pay other investors. As HYIP monitors are not affiliated with the HYIPs themselves, they are unable to prevent investors from being scammed; they neither help to recover lost funds nor track down the scammers. Promoting or perpetuating Ponzi schemes is a criminal offense punishable by jail terms or fines in most countries. That the monitor sites place disclaimers saying that they "do not promote the programs advertised on their website" does not absolve them from criminal liability.

In order to generate a "paying" status early (so that future visitors will see it) and maintain it for the longest possible time, newly opened HYIPs list their site quickly as well as constantly pay monitors their interest on time. Added to the fact that many monitors invest the listing "fee", and that a commission is received on each deposit made by people who visit the HYIP via the monitor, they are the most likely to profit when a program runs out of funds.

Seniors Life Settlement Policy

Life settlement policy for seniors is an insurance policy which is issued to the seniors at the age of 65 or more than that. Life insurance settlement policy is issued to the person who requires by the life insurance settlement company. Life settlement policy enables the life insurance settlement policy holder to sell the life settlement policy to the buyer who requires for finite prices. Generally, as every one knows life settlement policy is the sale transaction which provides the policy holder wide benefits and opportunities. Life settlement policy holder is the person who obtains the cash payment from the sale of life settlement policy. Senior life settlement policy comes up with wide advantages and benefits to the seniors. Senior life settlement policy is designed specially and issued to the senior is to make them comfortable, protected and secured and recover money during illness. Senior life settlement policy is the lengthy process and also a chain process, because at first the life insurance settlement company issues the life settlement policy to the person required and the person sells the life settlement policy to another and the process goes on and at the last the life insurance settlement company itself purchases the life settlement policy.

The policy holder of the life settlement policy receives the benefits and premium payments at the time of maturation. Life Insurance Settlement Company issued policy in two ways, one is life settlement policy and the other is viatical life settlement policy. Generally, life settlement policy is issued will be with expectancy and depending upon the life settlement policy expectancy, life settlement policy will be sold in the market. Usually, life expectancy of the life settlement policy will differs and based on the life expectancy and requirement of the buyer, it will be sold in the market. The amount or premium for life settlement policy will also differs, because as per the requirement of the individual life settlement policy will be sold.

Senior life settlement policy fetches more demand among the seniors because it provides protection and security to the policy holder during their old age. Senior life settlement policy is issued in almost every part of the world and it has been issued by more number of life insurance Settlement Company in different types. Senior life settlement policies are issued with regards to the statutes, rules, and regulations of the state and federal government of the appropriate state, where life settlement policy issued. Life settlement policy can be made effective with the help of the policy brokers who are involved in the market. The policy holder of the life settlement policy should compile with the terms and condition of the policy issued in the state

Car accident claims and my previous immortality

With a rather scary birthday only a week away I'm starting to feel a little old and somewhat past it. My wonder years, the spring of my life and, apparently, the best days of my life, are over. Gone, never to return again.I'm going to be twenty five. Twenty five. Oh dear."Still a wee bairn" my little old granny would say but I don't feel it. I feel ancient and the aching legs that carry me to work on a Monday morning after a weekend spent chugging around a football pitch pay testament to the fact that I'm no longer the sprightly young thing of yesteryear.Anyway, enough of my premature ramblings and on with what I was actually going to talk about; car accident claims.So that's where the getting old thing comes in.With this terrible birthday just around the corner, the onset of old age has brought with it a realisation that I'm not actually invincible.I used to be invincible.

I used to be Action Man/Rambo/Super Ted incarnate and nothing could destroy me. They were the days when me and my equally grubby little pals would gobble obscene quantities of tooth-rotting Wham Bars on the way home from school and would then, in an E number-induced fit of hyperactive nine-year-oldness, play chicken with the cars speeding past.The thought of causing a car accident and receiving serious personal injuries was the last thing on my mind. I was probably more frightened of getting caught and having my skinny little legs whacked with a wooden spoon by my enraged mother but, with the E numbers pumping through my veins, I did it all the same.Playing chicken was by no means the only death-defying thing that the young me would indulge in but it does demonstrate perfectly the fact that I believed I was immune from harm.I did get a bit of a shock when a bone in my arm took exception to my toppling from the top of a tree and decided to snap in two, but superhuman powers soon returned following the removal of my much-graffitied cast and I didn't look back.

Until now.Now, not even in my most inebriated of states, can I see myself prancing about in the road in front of an oncoming car. Not because it would be a pointless thing to do and not because I'd probably get a thick ear from the bemused driver, but because I'd be frightened that the car wouldn't stop and I'd end up as strawberry jam on the tarmac.A road accident, personal injuries and an ensuing car accident compensation claim are probably very real possibilities so I think I'll make sure I stick to the pavement on way back home this evening.But all this invincibility isn't so very far in the past.I passed my driving test at seventeen and, unleashed onto the roads unaccompanied for the first time, I was, to put it politely, an eejit.My chariot was a rusting, knackered-out old Metro with the power of forty one horses under the bonnet and a crazed teenager holding the reins. I gave that car some welly and, boy, didn't anyone unfortunate enough to have ventured out onto the roads at the same time know about it.How I managed to avoid causing a car accident back then is something of a miracle.

My rev counter seemed to be permanently in the red and every junction in Hampshire must have had a bit of rubber from my tyres deposited on it.One particularly stupid habit was my indulgence in a game created by a few friends who also possessed decidedly dodgy and dangerous cars – The 60mph Challenge. These friends were the aforementioned Wham Bar boys who had now grown up, in body if not in mind. Anyway, The 60mph Challenge was the vital culmination of any trip to do burnouts in the nearby supermarket car park or visit to McDonald's to attach countless straws together to make an enormous prodding stick which could then be used from a distance to poke the unfortunate kid behind the counter.So, The 60mph Challenge. This consisted of travelling along a certain stretch of road in our village and attempting to hit 60mph before reaching the national speed limit sign. Not such a hard task in itself, but then the stretch of road was only a hundred metres or so long and there was a roundabout in the middle of it.

My poor little Metro never did complete the challenge but, looking back, there were rather a few hairy moments as I attempted to tackle the roundabout at some crazy speed, more than once bouncing off a kerb and, with hubcaps flying through the air, nearly ending up embedded in a house.No way would I try that now. As I said earlier, what an eejit. When I look back at those years spent ragging that rusty old Metro around the streets, how I survived without causing a car crash is beyond me. If I tried half of that stuff now I'm sure I'd end up either six feet under or the subject of a costly car accident claim for compensation.So that's why, in my wise old age, I tut tut when I spot some spotty kid driving like a lunatic, speeding along country lanes and weaving in and out of the city traffic. I can see that they're so close to causing a road accident and being on the receiving end of a car accident claim but why can't they?

100 Million Domains

A brief history of the establishment and growthof the system of assiging unique addresses to Web Sites on the Internet, that we now know as the Domain Name System (DNS).The U.S. Defence Information Systems Agencycreated the Internet Assigned Numbers Authority (IANA) in 1972. This authority was responsible for assigning the unique address (string of numbers)for each computer connected to the Internet. In 1983, the University of Southern Californiatested their Automated Domain Name System, in which readable names were used instead of clumsy strings of numbers such as 657.239.038.6.1985 was the birth of .com and domain names.These addresses mostly belonged to the US government, mainly military.It was not until 1990 that the Internet wentcommercial,and it was the following year, 1991that the World Wide Web (WWW) was introduced.The first WWW software was created by Tim Berners-Lee.In the following year, 1992,the U.S.'s National ScienceFoundation (NSF) granted an exclusive contractto Network Solutions Inc., to be the sole registrarfor the Top Level Domain (TLD) names .com, .net, .orgThe NSF maintained a central database of domain namescalled WHOIS.For each new Domain name a $100 fee was charged.

This fee also allowed for a two-year Registration period.Each additional year after that was charged at the rate of $50.The rate of domain name registrations in May of 1993 was reported as 400 per month.In September 1994, Network Solutions Inc., reported that it was registering domain names at the rate of 2,000 per month.Network Solutions Inc.(NSI), maintained its monopoly overTLD name registrations up until 1999. It was in that year that the U.S. Department of Commerce dismantled NSI's monopoly and opened up a competitive market for .com, .net and .org domain names.The rigid pricing, poor service and frustrating delaysshould now all be in the past with the now competitive service operating. Unfortunately, however, I continue to hear stories of registrants (or resellers for registrants) charging like wounded buffaloes and giving lousy service.I give an example of this on my web site ianswebsites.info.I have called this article 100 Million Domains.At the time of writing this article, (first half of 2007),there are not 100 Million Domains. There is only a mere65 million. But, when I give you an indication of the incredible growth of Domain Name Registrations, I am sure you will agree with me that we will soon reachthe 100 Million Domains target.On the 6 March, 1997, the one millionth domain Name wasregistered. On 4 May the following year1998 the two millionth domain name was registered. It was on 6 November the same year that the three millionth doman name was registered.9 March, 1999 saw the four millionth, and 29 May the five millionth.

April the following year, 2000saw the ten millionth Domain name registered. And now in 2007, around the 65 millionth mark.If you graph these statistics, you will see a very steeply rising curve. We may even reach the 100 MillionDomains target by the time you read this article.If you would like further details of the actual Domain Name milestones, I give them on my web site100MillionDomains.comThe billions of Internet users everywhere are now able to shop for competitive pricing and great service.You are no longer limited to a monopoly of a single private provider. The big guys, the well knownguys, are NOT necessarily the ones that offer the best prices and service. Shop around, look at what is offered by the various firms and at what price.Ian McKenzies Domains provides outstanding services and prices to its customers. Those participating in Ian McKenzies Domains reseller programs are able to retail Domain names at prices lower than other resellersare paying wholesale, and still make a profit

Are Payday Loans Worth Having?

Payday loans are small loans that a borrower promises to repay out of his or her next pay check, typically in two weeks. Payday Loans are very easy to get and settle. Widely promoted as the fastest way to obtain cash, payday loans are costly in comparison to regular loans. Many times payday loans are available to those who have trouble getting a bank loan or a credit card cash advance due to bad credit or other reasons.Credit cards may have high interest rates especially if you have bad credit. Bank loans and credit cards are strong alternatives but both are certain to involve credit checks and a lengthy approval process. Working out a payment plan with creditors can allow the consumer to adjust billing to pay off bills over a longer period of time.Cash-strapped consumers run the risk of becoming trapped in repeat borrowing due to triple-digit interest rates, unaffordable repayment terms, and coercive collection tactics made possible by check-holding.

Once you are approved, the amount of your loan is transferred overnight into your checking account; you have the cash the next day. Millions of people are finding themselves short on cash and needing a little help to carry them to their next pay check.Money given as loan depends on the borrower’s income. Unscrupulous payday loan companies may try to obtain more money from you or otherwise defraud your loan from them, and you should be ready to go to court if it is necessary. Yes, the cost of the loan is high, but it provides you with the money you need, when you need it, thus avoiding a lot of stress and trouble.Lenders target the young and the poor, particularly those near military bases and in low-income communities. However, the interest rate and the cost of payday loans vary with lenders.

Many surveyed lenders automatically renew loans by electronically withdrawing the finance charge from the consumer's checking account every payday.Military personnel, engaged as they are in day-to-day security matters of the country, have little time to devote to their financial needs that arise from many works done in a family every other day. With the employment status and income of military personnel known already, it takes no time in processing of the military payday loans application. The military person seeking the loan offers a personal post-dated check of his required amount including the service fee to the lender.

The lender then issues military person the check of the borrowed amount after deducting his fee.Payday loans are 10 to 13 times more expensive than these small consumer loans. The fee for most payday loans are about $15 to $30 for every $100 borrowed. The fee for most payday loans are about $15 to $30 for every $100 borrowed. Consumers may be mislead into thinking that payday loans are a cheap and convenient way of borrowing money for the short term.

How To Get A Loan?

If you are or have been bankrupt you can still get a loan. Some lenders and other finance professionals, or your neighbours, friends, family and well-meaning but misinformed people would have you think that the minute you file that bankruptcy youll never have a car or a home in your name again.That is just not the case. There are firms that actually specialize in giving loans to the bankrupt and those with other bad credit issues. It may be that those who are bankrupt will have to wait until the bankruptcy case is dismissed or the creditors are paid to get a loan for a vehicle or residential property, but thats not always the case. A lot depends on what type of bankruptcy you filed. If when you are bankrupt you filed a Chapter 7 bankruptcy before you can get a loan you will have to wait two years.

With a Chapter 13 bankruptcy the criteria, generally, for acceptance of a loan when having been bankrupt is that the creditors have been paid. Since the type of bankruptcy determines how quickly and under what circumstances you can get a loan after you are bankrupt its important to know the various types of bankruptcy. Here are the basics. Chapter 7 bankruptcy is filed as a protection of your personal belongings and lets you start on the road to financial recovery while paying your creditors back systematically. If you have a loan or two or three when you go bankrupt you can still pay them back, on a schedule that you can afford. You dont have to default. To apply for a Chapter 7 bankruptcy youll need to gather your list of the people and firms to whom you owe money - your creditors. Youll need to present to the bankruptcy attorney a list of your assets and liabilities, and the property that will be - you hope - exempt from collection.Youll need to prove your income and your expenses, and a statement of what you intend to do about the debts that are secured.

Your property, including any that is part of a secured loan when you go bankrupt, will be turned over to a trustee.You, or your attorney, meet with the creditors, your list of exempt items is discussed and you tell the others how you will pay them back. They have 30 days to disagree. The creditors then have 90 days to talk with the court about you and your bills. The reasons that the criteria for getting a loan when youve been bankrupt differs between a Chapter 7 and Chapter 13 is that in a Chapter 13 you keep your vehicle, your home and your other possessions.It is possible that a potential lender, when considering you for a loan, could look askance at this type of bankrupt situation. You, unlike a Chapter 7 bankruptcy, chose not to give up your property to pay off your debts.If the post bankrupt loan youre seeking is for a home or vehicle it could be that the new potential lender will recall that in the last bankruptcy the lender who had your home as collateral didnt get it back when you failed to pay.

High Risk Merchant Accounts

A High-risk merchant statement is a merchant account relief provided to internet merchants that have been admitted "high-risk" by Visa and MasterCard. This is owing to the style of their businesses, that have a juiced up conjecture rate or a high turnover but also, an increased risk of fraud and chargebacks. Characteristically, it's totally labored for hysterical wager and non-US businesses to acquire a merchant account. High stake merchant accounts offered by unlike service providers allow International Merchants to privately process their credit card transactions and have the proceeds sent to an offshore bank account.

The fees are higher for offshore/high risk credit card processing. Credit spot processors are eventual to slight you if your commotion is willing high-risk. The producer is to elicit a credit card processor that gets you approved and has you up and accepting credit cards quickly and efficiently, with either a high risk merchant account or an international merchant account. Examples of awakened bet merchant accounts have pharmaceuticals, telemarketing, infomercials, go into industries, online dating, replica, gaming etc. Some of these are uttered supplementary piqued risk than others. High gamble merchant accounts are available with international banks.

A merchant has to actualize the next to close a direct invoice if their merchant account is considered high risk:

1. Incorporated in the bank's jurisdictions (this weakness is based on surmisecard operating regulations)

2. Have 6 months of undeniable processing memoir (preferable the project 6 months)

3. Chargebacks in the carry forward 6 months devoir be less than 1 %.

4. Pay the necessary engage buildup fees

5. Provide principal's passport, rush upgrade documents - some jurisdictions need a proper nominee director's passport and a relevance bill of the nominee director. This is done to cut cross border issues.

6. The merchant website has to be in compliance to Visa and MasterCard requirements These merchant accounts can furtherbe classified as offshore hysterical risk merchant accounts, international merchant accounts, and on fire zonemerchant accounts. The unlike preferenceif you rack up not have processing description and you get done not hunger wampum the expensive of incorporation in the bank's jurisdiction, you can always get a third party merchant account.

A third party merchant account's underwriting is less stringent and is set up much faster than a direct account

AXA Insurance Company Cover your Life.

Critical illness insurance has become one of the most popular forms of insurance policy in the UK and also in the world. As a result, nowadays there exist thousands of insurance companies in the UK offering critical illness insurance. Let’s have a look at the AXA insurance company and find out how they treat critical illness cover.When AXA will payThe AXA insurance affirms that they may only make a payout if before the cover end date the insured person is diagnosed with a critical illness. Furthermore, they will also award the tax free lump sum if either the person is diagnosed as suffering from a terminal illness or being totally or permanently disabled.They also mention that the critical illness policy may contain certain exclusions.

Additionally, they make it clear that all diagnoses about a specific claim must be made by a consultant at a UK hospital who is specialised in the critical illness claimed for. Also, their chief medical officer will afterwards confirm the diagnosis. If everything goes according to the rules, a payment will be made only once and consequently the cover will cease.When AXA will not payThe AXA insurance company will not pay a claim if the critical illness claim was caused due to failure of medical advice, due to intake of alcohol or solvent abuse and drugs except under the supervision of a registered doctor. Additionally, one may not get a critical illness claim if he claimed for self inflicted injury and also claimed directly or indirectly for HIV/AIDS. A claim may also be rejected if the insured person died within 14 days of diagnosis of the critical illness or total and permanent disability. Another reason why a claim can be declined if the person covered does not match policy definition for a terminal illness, critical illness or total and permanent disability. Finally, if the insured person does not show up in on of the permitted countries to prove his critical illness or total and permanent disability, his claim could be turned down.That was how AXA defined its critical illness policy.

There are many companies out there that may have different critical illness policies. The list of exclusions can sometimes be lengthier than expected. That is why you have to be careful before taking out a critical illness cover. The policy’s fine print might seem boring to read but it can be important as it is there that you may find useful data concerning these exclusions. One simple line missed may cost you the lump sum. You should also be attentive while making a choice about which critical illness company or policy to choose. Some companies might provide you with low price tagged policies. But not all of them may give you benefits. Some might even have too much exclusion. If you are in doubt about something you come across in the critical illness policy, you may also contact qualified persons to ease you out.