Electronic Cigarette Brands


Why switch to electronic cigarette?

There are several electronic cigarette brands that you can find in the market. If you are planning to purchase one, you might be faced with quite a daunting task. You might have a difficult time in finding the ideal electronic cigarette brand, you even end up being enticed by the free e-cigarettes offers that is a complete waste of time and definitely bad for your health. If you want the best, there are certain considerations that you should take note.

First, you have to spend some time in conducting a research for the top e-cig brands. With the use of the Internet, you can utilize numerous search engines in order to conduct your research. It is the most effective means of finding the ideal electronic cigarette that fits your needs. Once you have the search results, all you have to do is print it out and look for them. Just make sure that the list contains the best e-cigarettes. Another is to make sure to check certain websites that offers electronic cigarettes coupon codes.

Now that you have the list of the best e-cigarettes, the next step is make sure to carefully check each brand and find out which is the best among the rest. You have to take a close look at what every brand has to offer in the e-cigarette kits. Check the number of cartridges, batteries, atomizers, USB chargers and also the user manual. Select the brand that offers the best combination.

Another important factor is to assess which electronic cigarette brand offers various levels of nicotine strengths. The ideal e-cigarette offers zero nicotine levels. You should purchase the e-cigarette brand that allows you to enjoy the several nicotine flavors that includes menthol, mint, and chocolate. Lastly, you have to check the numerous e-cigarette reviews in order to understand what your favorite electronic cigarette brand has to offer and how others rate it compared to other e-cigarette brands. It is best to use the brands that are widely used or popularly used by smokers.

Finding the ideal electronic cigarette is now easier once you have read this guide. With the numerous e-cigarette brands available in the market today, you have a wide selection of choices to choose from. All you have to do is to select the one that fits your needs and preferences. With a simple search on the Internet, you will have the numerous lists of the best electronic cigarette brands in the market today.

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While the threat of identity theft insurance is no doubt real, the issue has arguably become sensationalized beyond reality, thanks to overly enthusiastic reports on the fear-based evening news and the subversive advertising propagated by credit card companies themselves. Most victims of identity theft do not have their entire identities appropriated. The criminal party rarely opens new accounts, steals thousands of dollars, or wreaks irreparable havoc on the victim’s credit report. Usually, just a single credit card number is co-opted – an annoying and serious situation, but an entirely manageable one. Still, to cash in on the American public’s paranoid hoo-hah about identity theft, insurance companies are selling identity theft insurance policies.

This coverage may be included in homeowners insurance, renters insurance, or even a credit card’s terms and conditions. It’s possible that you may even have a policy without knowing it. However, thousands of folks who are frightened at the prospect of identity theft buy stand-alone policies directly from insurance companies. Are these identity theft insurance policies really worthwhile? My answer is: “almost never.”

Let’s look at them in depth. What do identity theft insurance policies actually cover?

One huge misconception is that identity theft insurance will cover any direct economic losses you incur. That’s simply untrue. All that most identity theft insurance policies do is reimburse victims for the expenses incurred in “righting” the situation with banks, merchants, and other parties. In other words, the policy will make the process of reclaiming your identity less expensive. Coverage may include:

– phone calls and faxes
– postage
– photocopies
– notary public fees
– credit report orders
– lost wages for time spent handling the identity theft
– legal fees (for the few and far-between cases where an attorney is needed)
– cost of reapplying for loans that you were denied (as many people don’t find out their identity was stolen until they are denied credit)

While it sounds worthwhile to have these expenses covered, how much time do you realistically expect you’ll need to straighten things out? I had my identity stolen three years ago (through my own lack of attentiveness) and spent a grand total of about two hours resolving the situation – with no time lost from work. And the financial cost to me? A few postage stamps and some phone calls that were already included in my cell plan.

Even if your identity theft situation is more complicated than mine was, are these benefits worth paying for? First, consider the premiums, which usually range from $50 to $100 per year (for most basic plans offered by major companies like Travelers, Liberty Mutual, Farmers, etc.). Then, remember there’s a deductible involved. Before identity theft insurance policies ever pay out, you may need to front $100, $250, or even $500. Most people’s identity reclamation expenses won’t ever get that high. It’s like carrying collision insurance on your ’85 Toyota that’s worth $487. Furthermore, identity theft insurance policies have limits. Even if you do have an extremely unusual identity theft case that necessitates a lawyer and involves more than a day away from your job, there are caps to legal fees and lost wages compensation.

Remember that insurance companies aren’t selling identity theft coverage because they’re personally concerned about your well-being. They’re out to sock you for a few extra bucks each year, as it lines their already deep pockets. Even if your identity is stolen and you milk the coverage, it is extremely unlikely that the investment will prove wise. My advice is, unless it’s already inextricably included for “free” along with another policy, don’t buy identity theft insurance.

Turn 21 Today!

early alzheimer’s clinical trials


I have had to unfortunately become very knowledgeable about Alzheimer's Disease since my mom's diagnosis in 2008. There is so much information available that it can be very overwhelming. According to the Alzheimer's Association approximately 5.3 million people in the U.S. are living with Alzheimer's, every 70 seconds someone will develop Alzheimer's, and Alzheimer's is the seventh-leading cause of death.

One of the more helpful things I've learned about this disease is the seven stages of progression in Alzheimer's. To me this has actually been fascinating. I'm pretty sure my mom is current at stage 5. I can actually see how she has progressed through the first four stages. Here is the list of these seven stages of Alzheimer's Disease, pursuant to the Alzheimer's Association, and some information about what a family may need to do as their loved-one progresses through the stages of Alzheimer's.

Stage 1: No impairment. At this point, nobody is aware of any disease, not the individual with Alzheimer's, their friends, family or doctors, so no action can be taken.

Stage 2: Very slight Decline. This is stage where the individual may start to forget the little things, like misplace some items, forget certain words. However, you may not realize that there is an issue with this person, especially if they're elderly. Most of the time, these changes wouldn't even be apparent to a doctor. But if the individual is in their 50s or 60s you may have a slight inkling that something's going on with the person. I know, in my situation, we started noticing some changes in my mom, and this is when we all started keeping an eye on things. Looking back, this was probably around the time she started having problems at her job too.

Stage 3: Slight decline. At this point, the disease may be able to be diagnosed by a medical professional. Also, at this stage family and friends are definitely noticing a change in behavior. We noticed, in my mom, that she wasn't being as social as she used to be and she was having a lot of difficulty with space and time. For the life of us, we couldn't figure out what was going on. She would go to reach for a coffee cup and totally miss it. In fact, any time she would reach for something, she would miss it. She was also having problems with money. She was spending way more money that she had ever spent in her entire life. She was always very frugal and now she was going on huge shopping sprees. At this point, we realized it was time to take over her finances. Also, it was time for outside help, as there was no family in the area to help take care of her.

Stage 4: Mild or early stage moderate decline. By this time, the individual has probably been to several neurologists and other doctors and has been given their Alzheimer's Disease diagnosis. My mom got her diagnosis at this stage. In my situation, this is when we decided that my mom would be better off and safer living in an assisted living facility. One of the changes I've noticed, in my mom, is now she can't handle loud noises. It seems so strange because growing up, we were always a loud family, and now she can't handle the noise. Most likely, at this stage, the individual can't take care of day to day activities and you certainly don't want them to be cooking and trying to get in and out of a shower.

Stage 5: Moderate or mid-stage severe decline. Unfortunately, the person who you once knew is starting to disappear. There are some days when they're still there, but most of the time now you're dealing with a whole new person. The kind of care they need will be increasing too. We've had to move my mom to an Alzheimer's and Dementia Residence because she needed more care than the assisted living facility could give her. At this stage, the individual will have trouble with the most basic activities and needs pretty much constant supervision. My mom does a lot of talking about going "home" because she doesn't like her new place. I've heard this is very common for Alzheimer's patients at this stage. Home symbolizes comfort and familiarity and that's what they want.

Stage 6: Severe decline (moderately severe or mid-stage). Some of the things you will notice, at this stage, are confusion of their surroundings, having problems remembering historical events, may start forgetting individuals close to them, sleep problems, incontinence problems, needing help with all daily activities, and may suffer from behavioral symptoms, including paranoia and delusions, and wandering.

Stage 7: Very severe decline (severe or late stage). This is the final stage of the disease. At the point, most likely the individuals will have lost their capacity for coherent speech. On occasion, they may say something if prompted several times. At this stage, the individual will have to be helped with every basic task, like feeding, dressing, sitting, and bathing, their muscles will be become rigid and seize-up. In addition, swallowing starts becoming a problem.


Personal Experience
Alzheimer's Association (alz.org)

alzheimer’s prevention clinical trials


When caring for a loved one who suffers from Alzheimer’s disease, the complications associated with mental and emotional health can be overwhelming for many families. From depression to extreme episodes of exhilaration and happiness, many Alzheimer’s patients are simply unable to control their emotions as they once did.

A behavior that is quite common among Alzheimer’s patients is commonly referred to as agitation outbursts. Symptomatically, agitation encompasses a complication wherein the Alzheimer’s patient will scream, shout, pace back and forth, and curse for unknown reasons. Often, it is the agitation outburst episodes of the Alzheimer’s patient that result in the most frustration for friends and loved ones.

While commonly believed to be associated to the side effect of medication administered to the Alzheimer’s patient, agitation outbursts can result from any event that is deemed frightening or stressful to the Alzheimer’s patient. Such agitating events might include moving to a new home, changing of caregivers or just a simple change to the dynamics and arrangement of the home in which the Alzheimer’s patient lives.

When agitation in the Alzheimer’s patient is related to an event or change in lifestyle, usually the episodes of outburst will dwindle with time. However, when the complication is persistent and related to a side effect of medication, it is important to speak with a health care professional to determine what, if any, treatment can be provided to alleviate the complication and frequency of agitation outbursts in the home.

When in the middle of an outburst, families and caregivers can learn simple techniques to alleviate agitation in the Alzheimer’s patient. For example, re-directing their attention to another object, offering re-assurance, and using calming and positive reinforcement speech are all ways in which the agitation outbursts can be diminished.

While some medications can be used to manage agitation, your healthcare professional will need to take great care in prescribing additional medications so as to avoid other side effects or contraindications. Most commonly, however, the physician may want to use drugs such as Zyprexa, Seroquel or Risperdal to quell or subside the frequency of agitation outbursts in your loved one.

Creating a relaxing and stress free environment is the best way in which to reduce the agitation outbursts in the Alzheimer’s patient. Avoiding the movement of furniture, loud sounds and changes in lighting are all measures you can take to create that environment that is so desperately needed by the Alzheimer’s patient and, ultimately, create an environment where agitation and outbursts are less frequent.

21st century insurance eligibility guidelines


Turn 21 Today!


The idea of health care insurance has been around since the early 1900′s. It was not immediately a popular alternative to paying the full costs for health care treatments out of pocket. That was mainly due to the fact that medical treatments were relatively inexpensive in comparison to today’s astronomical medical costs. In fact, in the early days of health care, being sick or injured was four times more expensive for the patient in terms of lost wages from not being able to work than it was to treat the actual ailment.

In the beginning, the idea of medical insurance was born because of the devastating financial losses that could be sustained from not being able to work. However, insurance providers were not immediately taken by the idea and did not see providing health insurance as a viable business opportunity. Unlike an automobile or other tangible good, the health of a policyholder was not seen as a quantifiable commodity. The idea of insuring someone’s health was met with skepticism. Of primary concern was that a seriously ill or injured person could conceal or choose not to disclose his or her medical condition and then obtain a health insurance policy. After obtaining the policy, early insurance providers feared that such a person would then exercise the policy by seeking medical treatment at great expense to the provider. That scenario was not seen as a money maker for providers and the risk/reward aspect was deemed high risk and low reward.

As advancements in medical technology and procedures were continually developed, the costs for treatments quickly began to increase. Those rising costs were passed onto the patient and outpaced any lost wages due to being ill or injured. The importance of health, the need to be able to work and the increasing costs associated with medical procedures eventually opened up a market for health insurance coverage that slowly became a product for laborers and became a risk that insurance providers were willing to take.

It wasn’t until World War II and the war effort, that congress became involved and affected health care insurance to this very day. Congress enacted wage control laws in an act of “fairness” to those soldiers who were off and engaged in war. Men who were not enlisted in the military and remained in the United States had their wages controlled or restricted throughout the country so that their incomes would not be greater than those of soldiers.

However, fringe benefits were not included within those wage controls. Employer-based or paid health insurance were born out of that act of congress. Employers began to offer employer-based or employer-paid insurance coverages as fringe benefits and as a means to attract and retain better employees. Since owning a health care insurance policy was an expense to the average worker, having an employer willing to provide health care or pay most of the fees associated with health care, was a huge motivator to go to work for such an employer.

As the health care fringe benefit spread and became a popular employee recruiting tool, congress further intervened by establishing incentives for employers by allowing them tax exemptions for providing health care to employees. Those exemptions, like today, are only extended to employers. Individuals who own private health insurance policies receive no tax incentives for fully insuring their own health.

As time passed, many employers continued to utilize health insurance coverage as both a recruiting and employee retention tool all while realizing significant tax write-offs by doing so. Employers were able to compete in markets by offering better fringe benefit packages than that of their competitors to attract the best potential employees.

Nowadays, the widespread utilization of employer-based or employer-paid health insurance plans have become an automatic expectation for the average American worker. The link between employment and health insurance is now a firmly assumed “right” of employment. Any large business or corporation that chooses not to extend the health care fringe benefit coverage is often vilified, labeled as greedy or deemed uncaring of its workers. Those issues have often led to employee/employer stand-offs with employees vying for “acceptable” health care coverage.

Despite the rising and often crippling costs of employer-based/paid health care in 21st century, it is still a benefit that is widely used. Mostly, because the working class have become accustomed to it. Health care insurance provided by employers has caused the costs of employing a single employee to become more and more expensive in spite of tax incentives. That extra cost is often passed onto the consumer which drives the costs of products and services up. In addition, employers try to demand more contributions from employees towards their own health plans which often leaves employees bitter and unsatisfied with what actual medical procedures are covered. Generally, employees demand less responsibility towards paying into the their health plans and desire greater treatment coverage.

With rising health care costs and premiums, many employers have questioned whether or not it should be the responsibility of the employer to bear the bulk of the costs to medically insure employees and their families. Those costs to employers are often seen as a hindrance to doing business. On the flip side of that coin, employees and employee unions put forth an argument that they should receive respectable benefits for the work that they perform. As such, instead of a fringe benefit once willingly offered by employers of the past, today, the health insurance benefit is a point of negotiation or an inferred requirement.

As the costs of health care has spiraled out of control, so have the costs of insurance policies. The government has intervened with federal laws such as Obamacare, which compel certain employers to provide health care insurance to its employees. Federally mandated health care insurance is seen as government interference into business affairs and many questions and objections have been raised with the constitutionality of the law. Although well-intentioned, many economists have predicted that the micromanaging of health care insurance on the part of the federal government will only result in even higher health care costs for everyone.

Employment-based health care insurance started out as a “perk” or fringe benefit that was offered on the part of employers. Perhaps that perk should have never began. There are many problems associated with that type of system. Many of the problems are overlooked by both the employer and employee alike and perhaps if health care insurance wasn’t so often linked to one’s employment, many of the problems of today related to health care insurance would not exist.

It’s true that employment-based health insurance has served many working Americans reasonably well over many decades. At the same time, salaries and wages have been harnessed to accommodate the expenses for employers who provide the insurance. That fact often goes unnoticed by employees and employees experience less take home pay that they could otherwise realize in return for health care benefits.

Since employers are paying the bulk of or all of the premium costs in a group plan, employers must always be leery of rising premiums due to the physical condition of its employees and the medical procedures and treatments used. Since employees tend to view employer provided health insurance as a right or an absolute benefit, employees have little care of the overall costs of health care and are more prone to overuse or even abuse their insurance plans. The more that employees utilize a policy, the more expensive it may become for the insurance provider. That translates into even higher premiums to the employer which further stagnate wage increases and may limit additional hiring and expansion.

To compensate for high cost insurance premiums, in addition to limiting wages, employers are often forced to raise the prices of goods and services that are offered to its customers. Depending on the business, higher prices may affect its ability to effectively compete in a given market.

One of the main downfalls to employer-based insurance plans is that those plans often lack portability. For an employee who relies on their employer for health care insurance, it is often overlooked that the employer owns the insurance policy and not the employee. The employee is just apart of the group while gainfully employed. If an employee resigns or is terminated, for whatever variety of reasons, the employee is then without health insurance. Employees who once enjoyed the benefit of full coverage can quickly find themselves in a position to bear the full brunt of the health care system.

If economist could travel back in time, they almost certainly would not have advocated for employer-based insurance plans as a fringe benefit. Instead, robust personal health insurance plans that were owned by individuals and that could be tailored to serve each individual as needed would have been recommended. Employees could have realized increased working wages to offset the costs associated with owning personal health plans and overall health care costs would likely be drastically lower due to more responsible use as individuals would diligently control costs by making wiser health care use choices. That concept is not unlike that of owning an automobile insurance policy where a policyholder would likely see higher premiums if the holder has a high number of accidents and claims.

Employer-based health care plans have provided adequate insurance for countless American families for decades despite the numerous problems associated with it. However, one means of addressing the expensive health care problem is to begin to ween workers away from the idea that health care should be linked to employment and the responsibility of the employer. That is not to say that employer-based health care plans should completely be done away with, just that more emphasis should be placed on individual ownership of insurance policies where the consumer is responsible for his or her own health related issues.

Mr Kate Promo Code 2014


Do you know that many individuals sell antique jewelry for a profit? For some individuals, especially those unfamiliar with antiques, it may be a bit difficult to get started. If this opportunity is something that interests you and you are willing to learn, reselling antique jewelry can make you some money.

When you are searching for antique jewelry, it is extremely important to ask the individual who currently owns the piece as many questions as possible. Although many owners of antique jewelry may not be the original owners, they may be able to provide you with valuable information on the antique piece. Since you may not get exact answers by asking questions, it is also important to fully examine the antique jewelry pieces in question. It may be wise investment to purchase a magnifying glass. This will allow you to examine the condition and features of the antique jewelry piece that may go unnoticed without a full examination.

If you are searching for antique jewelry, there are many different locations to look. If you are planning on reselling the pieces that you acquire, you will want to purchase your items at less than retail price. Buying the jewelry pieces at the lowest possible price will help increase your resell profits later on. Antique jewelry can be purchased online, at jewelry stores, pawn shops, yard sales, or flea markets.

Buying antique jewelry from a traditional jewelry store may be a little bit more expensive than finding it at other locations. One of the positive sides to purchasing antique jewelry is that you are often certain the item is an antique and of quality. Many people sell their jewelry over the internet, whether it be at a store or an auction site. This is also how many individuals resell the merchandise that they just purchased. You may be wondering how you can find antique jewelry online if someone is most likely already reselling it, just like you plan to do? It is also about finding the deals. Especially on auction sites, there are certain individuals who are selling an item and they aren’t aware of its worth or value. Having knowledge of antique items, including jewelry, can come in handy and help you score a big ticket item for way below it’s worth.

Some individuals can find items at yard sales. Since yard sales typically have cheap items up for sale, if a piece of antique jewelry is for sale, the seller likely isn’t aware of its value. One of the most common places to find antique jewelry is at an estate sale. Estate sales generally occur when an individual passes away. Although many antique jewelry pieces are considered family heirlooms and may be kept in the family, other families choose to sell their loved one’s items.

Flea markets are a popular occurrence across America and many other areas of the world. Flea markets usually offer individuals who are selling items, vendors, to have all of their merchandise in one large location. In many areas, flea markets boom with business on the weekends. There are many vendors who sell jewelry and other antique items. Although most vendors at flea markets may be legitimate, you may come across a few individuals who are trying to pull a scam on you. If a piece of jewelry is being sold for a large price, do not just take the vendors word that the item is antique. You may find that some vendors will have some sort of research information or background information on that particular piece or ones like it. If this information is not provided, it may be a good idea to fully examine the piece with your magnifying glass or have another individual give their opinion.

Once you have obtained a piece or pieces of antique jewelry, you may be ready to sell them. You will have a number of options on how and where to sell these items. You could consider selling at locations similar to the ones that you may have purchased the pieces from. You can sell your items at antique stores or even online bidding sites. If you choose to sell your item online, you may want to consider providing background information on the antique jewelry piece being sold. This is just a precaution and may actually increase the resale value of the item.

Once you have sold and made a profit off of your first piece of antique jewelry, you may wish to continue selling. If your item was unsuccessful at being sold or did not net as much profit at you hoped, that does not necessarily mean that you should give up. Like any other event or activity, it may take time to learn about the buying and reselling procedures. Antique jewelry pieces are beautiful things to own and that is why many people are successful at reselling them for a profit, just about everyone would love to own a beautiful piece of history.

Shiekh Shoes Coupons 2014


Working all day while pregnant can me misery on your feet if you don’t have the right type of shoe. There are many things you have to keep in mind when you’re pregnant that may not always be accurate. When you are pregnant, you do want to wear shoes with at least a small arch, even if you have flat feet. This helps with support and not causing medical issues down the road. Softer is not always better for your feet while you are pregnant. The following is a list of shoes I found while I was pregnant that work for all-day wear for business or business-casual dress codes.

Clarks – If you have never worn a pair of Clark shoes, you are missing out. These shoes are made for support/comfort/class. They have a wide variety of tennis shoes, slip on clogs, and business like shoes in suede and leather. They are made and cut to fit perfectly for the size and they support your feet very well without over cushioning. They even carry sandals for the summer pregnancies that are very cute but still very comfortable. These can be purchased at a Clarks store or many department stores such as Dillards.

Birkenstock – These are no longer the standard leather sandals. They carry business shoes that are comfortable and still have the signature sole to help support and cradle the foot. You can purchase them online or many department stores now carry them. They do not carry heels but they do have stylish clogs and boots. They can be pricey but they last forever and your feet appreciate them when you are pregnant.

Naturalizer – These shoes are great for business or business casual work environments. They have flats of many different colors that are sexy and very trendy. They are also comfortable as Naturalizer is known for. The prices can be cheaper than Clarks and Birkenstocks and these tend more towards fashion forward and less homey. They also have sandals for summer and boots for winter which keeps you covered no matter the season. Naturalizer can usually be found at any shoe store like Shoe Carnival.

Born – These shoes were my favorites while I was pregnant. I worked 50 – 60 hour weeks and my feet were killing me until I found a pair of these shoes. I worked in an office and had to have on professional shoes and these were adorable and went great with an slacks or skirts. They carry all different sizes and every style shoe feels like it is hugging your feet. They have many style of flats in soft leather, patent leather, and cloth. These shoes will last you for years which is good because at eight dollars a pair they should. I have only found Born shoes at Dillards and Macy’s thus far.

Kenneth Cole – If you want shoes that are the trendiest you can find while still being good to your feet Kenneth Cole seems to be the best. They have ballet slipper shoes, heels, flats, and boots. They also carry a wide size just in case your feet swell. They are very hip and come in so many colors, red, browns, even pink. These are great shoes if you are in a more formal business environment. They are also very easy to find any shoe store such as DSW or department stores will have this shoes. The pricing again is high but you are paying for great quality and sexy feet.

Josef Seibel – These are likely the most expensive out of this group of shoes however they will support your foot and make those long days seem shorter. The styles range from flirty to more conservative and they definitely would fit well for the business lunch or casual day depending. You can pay out of pocket up to 150.00 however the pair I owned lasted me 4 years and I wore them often. You can usually find these at department stores such as Dillards and Macy’s. I have yet to see them in shoe store such as DSW or Shoe Carnival. They are worth a look though. Their design is very earthy with soft leather and suede.

Keep in mind while pregnant that keeping your feet supported really is very important and should give you the permission to spend more on shoes than you would normally. Not only will it make your feet feel better but it also will support your back which is crucial during pregnancy.



Make Money Online 2014




Click the link to learn to make money online in 2014

There are lots of different options for you to make money online. The more time that you dedicate to your online work, the more money that you will make. I have been searching for years on how to make more money online, and I think I have found the right combinations of sites that suit my needs best. No, I am not rich by working online, but I survive and I am able to stay home with my children and get rid of punching a time clock.

My main source of income online is writing. I love to write. If its writing articles, blogging, or just chatting with my friends, every time I type online I make sure that I am making money doing it. I advertise all my pieces online so I attract a lot of people to my work. I am not the best at writing, but practice makes perfect. I will eventually get better with practice, so later when my kids get older, I will make money doing less work. Everyone likes doing less work for the same pay, don’t they?

You can also try several paid to read email programs. They do not pay nearly as much but it something simple to do and you can use it for small savings like vacations. It’s not really difficult to do, you just click the email in your box and you will get credit for it. You can sign up for several of these as you typically don’t receive a lot each day for any of them.

If you have a little more time online you can try getting paid for doing surveys. They pay pretty good per survey but they do not come up very often. I recommend signing up for several of these as well because one site will not keep you busy enough to get a steady income.

There are a few game sites you can play games for free and earn points for gift cards. These gift cards are nice to save up for unexpected gifts, or even a trip to the grocery store. I play on several sites just to get away from the writers block, it gives me time to clear my mind while I am on the computer. That and who doesn’t like to play online games? I even play online trivia for gift cards?

A lot of these paid sites will offer bonuses to those who refer others. I do have a few referrals on a couple of sites, but I do not have a lot of spare time where I can try to recruit people to sign up. I wish I did because I would make a lot more money, but right now I am focusing on writing and sharpening my skills.

I would try to search for your own sites that best fit you and your life style. Maybe you do not have a lot of time extra to spend online, so a paid to read email program may be best for you. And, one rule of thumb, never pay to join a paid site. 99% of the time it will be a bogus site and you will never make any money on it. There are hundreds of paid sites that are free, you just need to find the best for you. Good luck on your journey in making some extra money online.

Where to get Cashnetusa Promo Code


Check out this article about Cashnetusa promo code:

I have to share this information, and hopefully it helps someone.

My husband used Cashnetusa a few months ago, and paid it off. Well he received a call yesterday from 562-684-6333. They said he had a suit against him. The mans name was Kenny Spencer. He stated that there was a suit, and they would prosecute him for fraud. I am glad we do know the laws on collection, no debt collector can prosecute. The man even went as far as to tell him the police would be waiting for him when he got off work. They are harassing, and threatening individuals.

They had all of the information;my husbands social security number, our address, his references address, our bank account number, and all of the phone numbers. They obtained all of this information from Cashnetusa. Apparently they have had a lot of this happen. When my husband called them, they new exactly what he was calling for. They gave some crazy excuse, but I have read others complaints. Even people that did not get approved for a loan had there information stolen.
Other Phone #’s they are giving:

Other names they are providing:
Officer John Smith
Officer Mark Williams
Michael Johnson
Officer Mike Johnson
Officer Neil Johnson
Lou Johnson
Officer Martin Scott

I am sure they are giving other names and numbers, but do not give them any information. There are two different men doing this. My husband has talked to both, and they have both given different names. They both have Middle Eastern accents.

Everywhere I have read about this fraud, they use Cashnetusa. Be aware, and share this information with others.

Never give personal information to anyone calling you. Have them send you proper documentation before sharing any information. If they are not willing to do this, do not communicate with them. They can obtain information you would never think is possible.

Please go to these sites, and read how bad they are treating people.


Mortgage Rates Texas


Where to get the lowest Mortgage Rates Texas?

Although accelerator mortgages enjoy popularity abroad, the introduction of the accelerator mortgage to the United States has been recent. Depending on spending habits, an accelerator mortgage can save a homeowner thousands in interest charges without permanently locking up funds in the home.

Homeowners in the United States utilize a variety of tactics to save money on a mortgage: applying extra payments, participating in a bi-weekly payment plan, or rounding their monthly payment. When these strategies are used, they share the same detractor. The funds become a permanent part of the home equity, and they cannot be accessed unless the home is sold or refinanced.

What is an Accelerator Mortgage?

An accelerator mortgage combines advantages of a home equity line of credit and a checking account with direct deposit, allowing the homeowner’s available net worth to move fluidly between monthly expenses and home equity. When the homeowner purchases their residence, the bank establishes a line of credit for the mortgage amount plus some allowance. Salary and other regular payments can be direct deposited against the balance on the account, reducing the principal balance. The homeowner retains check writing privileges and can use the line of credit to cover monthly expenses. The bank charges interest by calculating an average daily balance. This average daily balance is less than a traditional mortgage balance because it benefits from principal reduction by all deposits in the month as opposed to a once per month principal reduction.

How Much Difference Does An Accelerator Mortgage Make?

In the article, “Mortgagor Suitability for Accelerator Mortgages,” authors Glenn L. Wood and Douglas Nesbitt compare a 30-year fixed-rate mortgage at 6.25% in the amount of $300,000 to an accelerator mortgage of the same amount and same interest rate. The hypothetical owner realizes monthly net income of $6,000 and sets aside $1,153 for savings each month. With an accelerator mortgage, the homeowner can permit the savings amount to accumulate against the principal balance of the loan without sacrificing liquidity. The homeowner with the accelerator mortgage pays of the balance of the loan in just under 12 years, 40% of the original loan term.

Who Should Consider an Accelerator Mortgage?

Because a homeowner may incur extra costs in establishing and maintaining an accelerator mortgage, a prospective mortgagor should ensure his financial practices are well suited to this loan structure. Accelerator mortgages may be available for an annual fee, and a borrower may pay a rate premium or be subject to an adjustable rate. As with any loan, a potential borrower should be aware of all costs attached to financing, not just the interest rate and monthly payment.

Individuals who consistently have surplus in a checking account or low-interest savings account can benefit from an accelerator mortgage. Whenever excess funds build up in the accelerator mortgage account, interest charges decrease. A mortgagor who escrows his own funds for insurance and taxes may benefit as these funds increase through the year, and a check is issued annually. If using an accelerator mortgage, the borrower must exercise financial self-control to avoid eliminating all available equity. Some individuals may find that they do not have the financial restraint to resist utilizing the line of credit as equity becomes available. Credit card usage may indicate if an individual will manage the line of credit prudently.

Availability of Accelerator Mortgages

Regulations in the majority of states permit accelerator mortgages, but with low fixed interest rates available today, accelerator mortgages seem in short supply. A few states make notable exceptions to accelerator mortgages, including Texas. Texas has stringent home equity line of credit guidelines allowing the loan to comprise no more than 50% of the home’s fair market value, restricting the availability and usefulness of this loan variety. It remains to be seen if the accelerator mortgage can achieve the popularity and acceptance in the US that it has known abroad. For borrowers fitting the financial profile, the accelerator mortgage provides an effective tool to manage resources and build net worth.

Wood, Glenn L. and Douglas Nesbit. “Mortgagor Suitability for Accelerator Mortgages.” Journal of Financial Service Professionals. March 2008.