10_Things_You_Need_To_Know_Before_Getting_A_Refinance_Or_Home_Equity_Loan

Title:
10 Things You Need To Know Before Getting A Refinance Or Home Equity Loan

Word Count:
747

Summary:
Refinance loans and home equity loans both give you an opportunity to get cash when you close on the loan. While both options can be a great way to save money and get money, there are certain things you should know before getting a refinance or home equity loan:

You Need a Good Reason to Get a Loan

It doesn’t matter if you are considering a refinance loan or home equity loan; you need to have a good reason for spending the money it will take to close on the loan. Good r…

Keywords:
mortgage refinance, home equity loan

Article Body:
Refinance loans and home equity loans both give you an opportunity to get cash when you close on the loan. While both options can be a great way to save money and get money, there are certain things you should know before getting a refinance or home equity loan:

You Need a Good Reason to Get a Loan

It doesn’t matter if you are considering a refinance loan or home equity loan; you need to have a good reason for spending the money it will take to close on the loan. Good reasons may include the need for a better rate and terms or the need for cash to consolidate debt or pay other outstanding bills. Whatever it is, make sure the loan will save you money in the long run, and more importantly, make sure you can afford the new loan payments.

Refinance Terms Vary

Not every refinance loan is the same. Some have lower payments during the term and one final balloon payment at the end. Some terms last 30 years, while others only last 15. If you will be getting a refinance loan, make sure the terms will be manageable for you.

Home Equity Loan Terms Vary

Like refinance loan terms, home equity loan terms can also vary. Some loans are adjustable rate options, while others are fixed. Term lengths can also fall all over the map, so it is a good idea to evaluate all of the options available to you before making any final decisions.

Introductory Rates Can Be Misleading

Sometimes known as “teaser rates”, introductory rates look good on paper, but can be very misleading. Before being drawn into a loan with introductory rates, you should have a clear understanding of when the rate will adjust, what the rate cap is, and what your payment might be at its highest.

Fees Need to Be Compared

When most people are looking for a refinance or a home equity loan, they compare interest rates. While this is a smart thing to do, interest rates aren’t the only thing that should be focused on in the comparison process. Because lending fees and closing costs can vary from lender to lender, you also want to take time to make comparisons between these variables.

Loan Interest Isn’t Always Tax Deductible

Contrary to popular belief, the interest paid on a home equity loan or a refinance loan isn’t always tax deductible. Before automatically assuming that you will be able to get tax savings, you should speak with a qualified accountant. An accounting professional will be able to look over your situation, as well as the potential loan to determine whether or not you are eligible for tax deductions.

There is No Such Thing as a Free Loan

Don’t be fooled by lenders who offer no closing cost refinance loans or home equity loans. There is no such thing as a free loan. If you don’t pay the costs upfront, you will pay for them later on in the loan. While this may not seem so bad, you need to remember that you will also be paying interest on anything not paid upfront.

Negative Amortization Loans are Risky

Though they are not as popular as they once were, negative amortization loans are still offered by lenders. These loans present a great risk to the borrower because loan payments aren’t always enough to cover the required interest payments. Any unpaid interest will be added to the unpaid principal, making it very difficult to pay the loan off in a timely manner.

Tax Assessment Aren’t Genuine Appraisals

If you are thinking about getting a refinance loan or home equity loan, don’t assume that the local tax assessor’s appraisal represents the actual market value of your home. Tax assessments aren’t genuine appraisals. Your home may be worth quite a bit more or quite a bit less than the amount indicated on your tax assessment. The only way to find out how much your home is really worth is to contact an independent real estate appraiser.

You Can Back Out

Federal law gives you the opportunity to back out of a refinance loan, a home equity loan, or any other type of loan that will be using your home and property as collateral. You have a total of three days to change your mind after the loan has closed. If you are unsure about the loan for any reason, this window of opportunity is your chance to get out before it is too late.

10_Things_You_Must_Know_When_Camping_In_Bear_Country

Title:
10 Things You Must Know When Camping In Bear Country

Word Count:
421

Summary:
Campgrounds are now having to incorporate policies and procedures to ensure bear conservation and safety for campers. The DEC Campgrounds in the Adirondack and Catskill Forest Preserves in New York State are two such campgrounds.

Keywords:
camping,campsites nsw,campsites victoria,campsites queensland,campsites Australia,kol campground,byron bay campsites,dog friendly campsites,christian campsites,beach campsites,campsites Sydney,campsites in victoria,campsites western Australia,camping

Article Body:
Copyright 2006 Karin Manning

It goes without saying that there are risks when it comes to camping in bear country.

In fact, on 14 April 2006 this risk became a tragic fact of life when a 6 year old girl received fatal injuries from a black bear while camping.

Campgrounds are now having to incorporate policies and procedures to ensure bear conservation and safety for campers. The DEC Campgrounds in the Adirondack and Catskill Forest Preserves in New York State are two such campgrounds. Their staff have developed specific policies and procedures to minimize the occurrence of bear problems at their campgrounds while maintaining a healthy, natural black bear population.

There are eight critical ways that you can minimise the chances of getting hurt by bears by following these simple tips:

1. Avoid traditional bear feeding areas.

2. Avoid camp locations where bears have been known to roam in the past.

3. Avoid camping where you may have trouble seeing a bear through vegetation.

4. Avoid camping where you see bear droppings and fresh tracks.

5. Never feed wild bears.

6. Store your food in a cooler which is locked in the car

7. Like most animals, bears are attracted to garbage so make sure your campsite is very clean

8. Remember that behind every cute baby bear is a very overprotective bear mother!

9. Stop fishing when bears are present. They want your fish more than you do.

10. The minimum safe distance from a bear is 50-100 yards.

There are now a number of organizations that are working passionately on increasing bear awareness in the community. The National Spokesman of The National Be Bear Aware & Wildlife Stewardship Campaign, General H Norman Schwarzkopf, is dedicated to providing teachers, college students, youth groups and guiding/hunting groups with educational materials and training programs to teach outdoor enthusiasts and residents up to date safety skills and techniques for camping, hunting, viewing, hiking, photographing and living with wildlife like bears safely and responsibly. More information is available at the Campaign’s website at http://www.bebearawaresw.org.

Along a similar vein, The ‘Bear Safe Washington’ program began in 1999 with funding from the World Society for the Protection of Animals. This program of presentations, brochures and seminars was designed to raise awareness of all bear issues in Washington State. Its bear safe guide can be downloaded at http://www.insightwildlife.com/bearsafe.htm

The Get Bear Smart Society based in Whistler, Canada, educates people on dealing with bears in the community and promoting innovative bear management practices. Supporters can make donations by visiting their website at http://www.bearsmart.com.

10_Things_You_Must_Know_When_Building_or_Renovating

Title:
10 Things You Must Know When Building or Renovating

Word Count:
1166

Summary:
Discover ten of the most important things to consider before beginning any kind of renovation. Save yourself a lot of time and money by putting in some careful planning and decision making before you start renovating your home.

Keywords:
kitchen renovation, home renovation, bathroom renovation, plumbing supplies

Article Body:

There are many sad cases of home renovations not going as planned – often going way over budget or schedule, or unforseen complications popping up unexpectedly and ruining even up to years of work.

Most of these situations would never have gone so awry with some careful planning and early decision making sooner in the renovation process. Below are a few issues that it is vital to think about before you begin your home renovation.

10 Things to Think About BEFORE Beginning Work

  • Prepare a budget
  • Be aware of council regulations
  • Find a tradesperson
  • Know your start and completion dates
  • Selecting Products
  • Prepare plans
  • Purchasing products
  • What should I purchase myself?
  • What services are available to my property?
  • What sort of hot water unit do I need?

Prepare a budget

Before you start shopping for your new bathroom or kitchen you must know your spending limits. Whether you are getting a loan or paying cash, you need to work out how much your project is going to cost. Some businesses also offer finance solutions for approved customers.

Be aware of council regulations

Find out all the information you can before you arrange tradesperson. If your home is heritage listed you will need to meet strict council regulations. Many renovations must be approved by the council before work can commence. Contact your local council for more details.

Finding a tradesperson

Speak with family and friends who have done renovations or built a home. It is important to find a tradesperson that you can communicate with. Make sure you understand everything they are telling you. Book a tradesperson well ahead of time, as they can be booked for months in advance. Ensure that your tradesperson is licensed. Your product warranties are only valid if installed by a licensed tradesperson. In Australia, Trades@call provide professional, reliable tradespeople for most jobs, and all workmanship is guaranteed.

Know your start and completion dates

Communicate with your tradesperson and come to an agreement of realistic start and completion dates for your project. If you have a specific date that the job must be finished by, for example you have relatives coming to stay, let your tradesperson know. Keep in mind that unexpected problems can hold up your project, no matter how well you have planned it.

Selecting Products

It may take a few shopping trips for you to decide on the products that give you the look you desire and are also practical for your needs. Browse through a print or online catalogue. Once you have decided on a style (modern, heritage or easy living) this will narrow down your product choices. Be aware of any size restrictions of the room. Print out or write down product specifications and measure up your bathroom. You may use the online bathroom planner at the Bourne Bathroom and Kitchen Centre website to layout the products you have chosen.

Talk to your tradesperson about your choices. If the tradesperson tells you that a product you have chosen is unsuitable, find out why. It may just be that extra work is required that they don’t want to do. Remember, it is your home and you need to be satisfied once the job is complete.

Prepare plans

It is important that you draw up plans of your bathroom or kitchen. Discuss the plans with your tradesperson. Let him know what sort of products you would like, so he will know what work needs to be done. For example if you have chosen an inwall cistern, the tradesperson will need to know so he can set up the plumbing correctly before the tiling is done. It is best to have specifications of all of the products you have chosen so the tradesperson knows exactly what work is required.

Purchasing products

When selecting products, find out how long it will take for delivery. Some goods such as tapware and toilets will be in stock, while others such as spas and vanity units are custom made and can take up to 1 month to order in. Often these custom made products are non-refundable so confirm your product choices with your tradesperson before ordering. Find out from your tradesperson which products they will required first. Generally, the first products needed are the shower base, bath or spa and mixers if they are being installed on the wall.

As an owner builder, what should I purchase myself?

If you are owner building, make sure you purchase all of the main products for your bathroom, kitchen and laundry. This will ensure that you make all of the decisions and achieve the result you want. There will be things you will not think about when placing an order, such as different handle types on a vanity unit, the pump position of your spa, that you will need to decide on. It is important to make these decisions yourself as they will affect the overall result of your project. Smaller fittings for plumbing can be purchased by your tradesperson.

What services are available to my property?

It is important to know whether you need gas or electric appliances (hot water unit, cooking appliances). If you live further out from the city, you may need LPG appliances. If you currently have electric appliances and you want to change to gas, speak with your tradesperson to determine if this is going to be cost effective and worthwhile in the long run. If you are building a new home, decide on the appliances you want before building begins, as the plumbing will need to be roughed in based on your product selection.

What sort of Hot Water Unit do I need?

There is a wide range of hot water units available and it can be quite daunting to try and choose one. If you are replacing an existing unit your choices can be limited, so speak with your tradesperson. The instantaneous hot water units are popular at the moment, but they use a larger gas line than the standard storage units. This can mean major plumbing changes which can be quite costly, though in the long run the instantaneous systems are cost efficient. See the Bourne Hot Water Selection Guide for more detail.

Many of these points seem somewhat obvious, but the problem arises when you start taking things for granted. When you don’t make sure that all your bases are covered, you may find that you have invested a lot of time, effort and money in a home renovation that you may end up unhappy with.

10_Things_You_Didn_t_Know_about_Barbecue

Title:
10 Things You Didn’t Know about Barbecue

Word Count:
409

Summary:
From the familiar pastime’s origins to surprising tips and tactics, this list will provide you with all the information you need to wow your friends at the next neighbourhood barbecue!

Keywords:
barbecue,origin,tips,facts,interesting,knowledge,history,funny,useful,smoke,brisket,did,you,know,BBQ,grill

Article Body:
Every spring, North Americans gear up their grill, stock up on the meat and prepare for many mouth-watering barbecues. But how much do we really know about the art of barbecuing? From the familiar pastime’s origins to surprising tips and tactics, this list will provide you with all the information you need to wow your friends at the next neighbourhood barbecue!

1) Barbecues originated in pig-pickin’s, feasts that were common in the Southern United States prior to the Civil War. Whole pigs were cooked and eaten by the crowd.

2) “Smoking” was used as far as 6000 years ago in order to make meats safe to eat and store. The meat was exposed to smoke and low heat in order to prevent bacteria and enzymes from growing.

3) In Australia, a barbecue is commonly referred to as a barbie. The famous statement “I’ll slip an extra shrimp on the barbie for you,” which appeared in Australian tourism advertisements, is often used to refer to the country.

4) What most North Americans partake in today isn’t actually barbecuing. Barbecuing is cooking at temperatures around the boiling point of water (180-220*F) for a longer time period, in order to make the meat tender while preserving its natural juices. Today, the method most commonly used is in fact broiling: cooking at 475-700*F in much less time.

5) According to the Barbecue Industry Association, half of all marshmallows eaten in the U.S. have been toasted over a grill.

6) For an easy way to check how much propane you have left, bring your bathroom scale outside and weigh the gas tank.

7) The origin of the word barbecue is unclear. Some believe it came from the American-Indian word barbacoa for a wood on which foods were cooked. Others say it came from the french words “de barbe à queue,” meaning “whiskers to tail.”

8) To add a smokey flavour to your gas-grill-cooked foods or foods cooked inside the house, use “liquid smoke.” A condensation of actual smoke, this product can be easily added to your barbecue marinade or sauce.

9) Brisket, the extremely hard cut of meat taken from a cow’s chest, takes one to two hours per pound to barbecue. That’s an average 12 hours on the grill for a basic 8-pound piece!

10) Kansas City, Missouri and Lexington, North Carolina both claim to be the barbecue capitals of the world. Memphis, meanwhile, stakes a claim to being the pork barbecue capital.

Now you’re set to impress!

10_Things_You_Can_Eat_That_Can_Make_You_Clever

Title:
10 Things You Can Eat That Can Make You Clever

Word Count:
785

Summary:
Certain Foods Can Help Keep The Brain Healthy and Active.

Keywords:
Brain, homocysteines, anti-oxidants, heart, health, healthy, blood, cholesterol

Article Body:
Copyright 2006 Eva Moffat

Solving crossword puzzles and sudokus may help to keep the brain alive, but they are not the whole answer. So, what will protect the brain from ageing?

You have to eat the right foods. We’ve all been told by our parents to eat fish because that is brain food. Our parents were not wrong, but eating certain fish is better for the brain than any old fish.

Another advantage to eating food that is good for the brain is that it is also good for the heart.

Besides fish, what else should be eaten that will protect the delicate nerve cells and blood-vessels from the damage that often goes hand in hand with ageing?

Why not include the foods listed below in your daily diet?

Fish – What Fish?

· Herring, Sardines and Salmon are all oily fishes. The oil we get from these fishes is full of omega 3 fatty acids. Therefore, the more omega 3 there is in the blood the higher the level of serotonin. Serotonin is a mood enhancer. It can give you that feel-good feeling.

In a test run by the Rush Institute for healthy ageing in Chicago, USA it was found that people who had a fish meal even only once a week are less likely to suffer with Alzheimer’s Disease than those who don’t eat fish.

Eat Your Vegetables

· Homocysteines are chemicals that are a normal part of protein metabolism. But too much homocysteine is not good for you. It brings on Dementia and also increases heart disease.

How can you keep homocysteines at a reasonable level? By eating dark-green vegetables for example Broccoli and Curly Kale.

Fruit Can Also Be Good For You and Your Brain

· Sweet wild blueberries are full of anti-oxidants. Anti-oxidants are the good guys that get rid of the free radicals in the body. How do these free radicals get into the body? You don’t have to be a smoker to inhale passive nicotine. If you walk in the street, cars, buses and motorbikes are giving off petrol or diesel fumes. And as you breathe in, you are breathing in pollutants that are not good for your health.

There are some chemicals in blueberries that help keep the arteries in good condition; this in turn can prevent high blood pressure.

If blueberries are difficult to buy at your local greengrocers, most supermarkets stock tinned blueberries.

Popeye Sort of Had The Right Idea

· While Popeye took spinach to give him bulging muscles so he could get the better of his enemies, we should take spinach to improve the functioning of our brains. It makes sense, as the brain is also a muscle.

A salad with spinach has more than three times the folate as a salad with lettuce.

Brown Rice Is Better Than White Rice

· Switch to brown rice instead of white. This will improve your intake of nutrients. Brown rice is filled with vitamins and magnesium, which seem to play a large part in improving the brain’s function.

Whole grains contain Vitamin B6, which aids in reducing homocysteine levels. People often don’t have enough Vitamin B6, this is because they usually eat processed food.

Red Wine or Grape Juice Which Is Best?

· Drinking red wine in moderation is good for you, it increases longevity, yet what’s good about it, seeing as it slows down the functioning of the brain?

Grape Juice is the better choice than red wine. It has an abundance of anti-oxidants. In fact, it has more anti-oxidants than any other fruit, vegetable or juice.

Now Popeye’s Girl Friend Olive Oil

· Olive Oil the main ingredient of the Mediterranean Diet is good for your heart.

So, go with Popeye and Olive Oil and enjoy a healthy heart.

Hot Cocoa Is More Than Just A Good Night Drink

· It has been found that two tablespoons of cocoa powder is almost twice as strong as red wine, two to three times stronger than green tea and four to five times stronger than black tea.

The anti-oxidants in hot cocoa protect the brain cells from oxidative stress that can lead to Alzheimer’s and other disorders.

Garlic Is Good For More Than Scaring Off Vampires

· Garlic also has Anti-Oxidant properties. However, it also contains Anti-Bacterial and Anti-Viral compounds that help shake off stress induced colds and infections.

Raw crushed garlic is best, but although cooked garlic is less powerful, it still is good for the heart.

Nuts To You

· Almonds and Walnuts are full of Anti-Oxidants. They have been found to lower blood cholesterol levels because of their monounsaturated fat content. This means they don’t make you put on weight. Walnuts are rich in omega 3’s.

10_Things_You_Can_Do_To_Help_Your_Credit

Title:
10 Things You Can Do To Help Your Credit

Word Count:
402

Summary:
Your bad credit will cause you no end of trouble and stress, but it’s not the end. As hopeless as things may seem, bad credit won’t last forever. You can do several things to improve your credit starting right now.

1. Stop using your credit cards.
If you already have bad credit, one of the worst things you can do is continue accumulating debt by continuing to use your cards. Don’t purchase anything unless you can pay cash for it.

2. Obtain a copy of your cr…

Keywords:

Article Body:
Your bad credit will cause you no end of trouble and stress, but it’s not the end. As hopeless as things may seem, bad credit won’t last forever. You can do several things to improve your credit starting right now.

1. Stop using your credit cards.
If you already have bad credit, one of the worst things you can do is continue accumulating debt by continuing to use your cards. Don’t purchase anything unless you can pay cash for it.

2. Obtain a copy of your credit report.
Get a copy of your credit report. You can go to http://www.annualcreditreport.com to learn how to obtain your copies free of charge.

3. Fix mistakes in your credit report.
Contact all three credit bureaus to fix any mistakes contained in your reports. Dispute anything you feel is wrong or out of the ordinary. Make sure to keep an eye out for negative entries that don’t belong to you.

4. Pay up any late accounts.
Getting up to date on any past due accounts will have a great impact on your credit.Your payment history makes up 35% of your credit score.

5. Stop filling out those darn credit applications.
While your trying to enhance your credit don’t fill out any more credit card or loan applications. More applications will harm your credit score and while your credit is still damaged your more likely to be rejected any way.

6. Don’t be hastey in closing older accounts.
You should go ahead and close any gas or store charge cards you have, however don’t hurry to close your mainline credit cards like Visa or Mastercard. Paying off the balances will improve your credit, but closing these cards will reduce your availabe credit and hurt your credit score, also the older the account the more your score is helped by the longer history.

7. Pay off debts.
Do what you have to, but get out of debt. This may mean giving up some freedom and taking an additional job, but you must pay off that debt. In the long run you will find your enhaced credit will be well worth it.

8. Call your creditors.
Talk to your creditors about your situation, right now they’re certainly the last people you want to talk to, but you’d be surprised at the help they may offer you. Negotiate to lower your monthly payments for a short period of time if possible.

10_Things_You_Absolutely_Must_Consider_Before_Buying_Your_Massage_Chair__Part_I_

Title:
10 Things You Absolutely Must Consider Before Buying Your Massage Chair (Part I)

Word Count:
874

Summary:
The massage chair recliner has fast become a great substitute for traditional therapy that most folks will consider when suffering from back pain, neck pain, buttock pain, headaches, and even leg pain and stress.

The vast majority of folks that are looking for a massage chair are experiencing all or some of these symptoms. Massage chairs have been proven to do wonders for each one of these conditions. As a matter of fact, many of my patients that have purchased a massage c…

Keywords:
massage chair, massage chairs, massage recliner, massage recliners

Article Body:
The massage chair recliner has fast become a great substitute for traditional therapy that most folks will consider when suffering from back pain, neck pain, buttock pain, headaches, and even leg pain and stress.

The vast majority of folks that are looking for a massage chair are experiencing all or some of these symptoms. Massage chairs have been proven to do wonders for each one of these conditions. As a matter of fact, many of my patients that have purchased a massage chair have needed our clinic less and less for treatment of these common maladies.

Some folks just want a nice massage chair that looks good in their living room or office so that they can relax and just listen to their surround sound movie or music system. That’s great too!

But if you are considering investing in a massage chair recliner, there are some things you need to consider before buying. What I’m about to tell you will give you exactly what you need and want to know. It’s not just as simple as sitting in a chair to know if a model is good or not. There are a lot of “behind the scenes” things that this report will point out to you that will help make your buying decision easier. You’ve thought of some of them, like price and looks, but I will cover a bunch of things that have probably never occurred to you. This article is designed to make things clearer for you before shelling out your hard-earned money.

So, what do you absolutely need to know before buying a chair? Since they cover quite a lot of information, we will only discuss the first 2 things that you will need to consider. #3-10 will be discussed in Part II of this topic.

#1. Features – The old massage chairs only provided vibration. Well, today’s chairs should offer the following:

Kneading – also known as “shiatsu”, kneading rolls outward from the spine and feels much like 2 hands alternately rubbing your back. This is why it is said that massage chairs mimic the hands of a licensed massage therapist…kneading is the reason for the comparison.

Percussion/Tapping – this is the light “karate chopping” on a client’s back that you’ve probably seen before on TV. Well, that’s what this feature imitates. Increased blood flow and muscle stiffness relief is the benefit gained. It feels wonderful.

Rolling – in our clinic, we have a $2800.00 table that patients lie on, called a “roller table.” Basically, wheels just roll up and down the muscles on either side of your spine. Here are the benefits: 1.) gentle moving of the spinal bones, and 2.) stretching of the spine and the muscles around it. Patients love it…and the roller table only rolls! Your massage chair should do so much more than just roll (and for a lot less money!).

Foot and calf massager – many of the new chairs have an attached ottoman that has a calf and foot massage feature administered by an airbag system. This feature is a real “must”, especially if you spend a good portion of your day on your feet.

Full recliner – if you want your massage to be as deep as possible, you need to get a chair that has a reclining feature. And the further back the recline, the greater the intensity of the massage. The reclining uses your body weight to make the massage deeper. A lot of chairs don’t recline much farther than 135º. You will want 170 degrees or more for the more intense massage option (by the way, the further back your chair reclines, men, the more it imitates a bed…especially important if you’re ever forced to sleep on the couch!!).

#2. Durability – a well built chair should give you many, many years of wonderful problem-free pleasure. Even though you most likely can’t know how good a motor is or how well built the chair really is, there are some other ways to know if a chair is a workhorse and is going to last a while:

Warranty – a longer warranty will give you greater confidence initially when looking for a chair. You want a company that stands behind their chairs and what greater way to show that than by a warranty. But, beware of long warranties that are so limited that if anything goes wrong there are so many loopholes to not cover your chair that it is as if you had not warranty at all.

Reputation – is the manufacturer of the chair well-known? Are they easily accessible if there ever is a problem? How can you tell? A toll-free customer service phone number to the manufacturer would be great. The length of time in business is probably a good indicator of how good the manufacturer is. Does the chair/company have any professional endorsements?

New vs. Used – there are a lot of used chairs out there, but just like a used car, you never quite know what you are getting. You can bet the warranty has expired, but you have no idea how the previous owner treated the chair. Who knows…maybe it was in a home that had kids jumping on it like a trampoline (that’s exactly what happens in my home!).

In Part II, we will discuss items #3-10.

10_Things_You_Absolutely_Must_Consider_Before_Buying_Your_Massage_Chair__Part_II_

Title:
10 Things You Absolutely Must Consider Before Buying Your Massage Chair (Part II)

Word Count:
887

Summary:
In Part I of this article, I discussed the many features you should consider when buying a massage chair, as well as the durability aspect of your new massage chair. Let’s get on with the remaining 7 “Absolute Musts” to consider when looking into a new massage chair recliner.

#3. Ease of Repair – because of the weight and bulk of a massage chair, simple repairs become a real bother when you have to ship an entire chair back to the manufacturer just to repair something as …

Keywords:
massage chair, massage chairs, massage recliner, massage recliners

Article Body:
In Part I of this article, I discussed the many features you should consider when buying a massage chair, as well as the durability aspect of your new massage chair. Let’s get on with the remaining 7 “Absolute Musts” to consider when looking into a new massage chair recliner.

#3. Ease of Repair – because of the weight and bulk of a massage chair, simple repairs become a real bother when you have to ship an entire chair back to the manufacturer just to repair something as simple as a tear in the material. For this reason, I suggest looking into a chair that is constructed with a modular design. This makes repair cheap and easy. If a part is broken or material is torn, the modular design will allow you to isolate the damaged part and send it off for repair so much easier and cheaper than sending off the whole chair.

#4. Customer Service – As far as I am concerned, this is probably the most important thing of all. If something does happen to your chair or if you are concerned about any function of your chair, it is so great to have a company that is always available to answer your questions. This puts your mind at ease and you can’t put a price on that. So, make sure that whatever chair you buy has a good company backing it up. Whether that is the manufacturer, the seller, or both…you want peace of mind right from the start of your relationship with them.

#5. Price – Even the cheapest massage chair still costs hundreds of dollars, at a minimum…they are not cheap. You will need to invest quite a bit of money to get a new chair you can count on. Prices, however, do not need to be sky-high. Depending on the features you want and/or need, prices can range anywhere from $1000 – $6000. Quite a spread, isn’t it? Well, you can get a chair with all the necessary massage therapy features for between $2000 – $3000. If you want real leather vs. man-made leather, an MP3 player, a USB port, or headphones, etc., of course you will pay for those extras. But for the basic features of massage therapy, you do not need to overspend. By the way, when you compare the price of your chair to regular visits to a massage therapist or chiropractor, over time the price of the massage chair is far less than what you’d pay out for all those therapy visits.

#6. Money Back Guarantee – Does your retailer back up the sale of your new massage chair with at least a 30 day unconditional money back guarantee? If not, then you need to be a little skeptical. This is a red flag. This goes back to customer service (#4). They MUST stand behind their product. How else can you feel good about your purchase if it’s not backed up by the seller? Some companies even offer 60 or 90 day money back guarantees!

By the way, it is standard policy for virtually every massage chair retailer/distributor that you are responsible for shipping and freight back to the seller if you do decide to return your chair. Shipping, by the way, can cost anywhere from $150-$400.00…it isn’t cheap!

#7. Adjustable to Different Body Sizes – I have seen some chair companies that offer “sizing” for a chair. With some product lines that may be necessary, but with a well-manufactured chair, height and width adjustments are standard and can cater to virtually every body type. Some chairs now even come with a detached ottoman so that the chair can cater to a 6’10” person as well as a 5’4” person.

Most chairs will handle up to 300 pounds of body weight. If you are buying your new massage recliner for a very heavy person, make sure that you get the maximum weight allowance for the chair you are interested in.

#8. Remote Control – Virtually every new massage recliner comes with a remote control of some sort to make chair adjustments. Some remotes come with large and fancy displays, but as long as it adjusts the features of the chair, it doesn’t really matter how large or small it is or how high-tech it looks.

#9. Appearance – this might sound goofy or vain, but I want my chair to blend in comfortably and seamlessly with the room décor of my home or office. Don’t compromise on looks for price! You’re going to have to look at that chair everyday for as long as you’ve got it. You don’t want to be sitting in a chair you think is so ugly that it creates stress. Especially when you are using your new massage recliner for stress relief!

#10. Satisfied Customers – A salesperson will tell you everything you want to hear to get you into his/her chair. What do real and actual clients think about the massage chair you are considering? Are their testimonials for you to hear or read? If you ask him for a list of some folks who have purchased their chair and you get no response…run! I will trust another buyer, just like me, before I’ll trust someone trying to sell something to me. Testimonials should be on every seller’s website or literature.

Now you have 10 things that should help you make a more educated buying decision when considering your new massage chair.

10_Things_Travelers_Need_When_Visiting_Cape_Town

Title:
10 Things Travelers Need When Visiting Cape Town

Word Count:
528

Summary:
Cape Town is a beautiful city with rich cultural events and the top 5 attractions in all of South Africa. When you visit Cape Town, South Africa, you will need to make sure you are prepared, so your trip will be more enjoyable. The more preparation you do before you leave, the less you have to worry about once you get there. Then you will be free to relax and enjoy your visit.

1. Sun Protection
The sun in South Africa can be harsh, so you’ll need to wear sun protective …

Keywords:
Cape Town

Article Body:
Cape Town is a beautiful city with rich cultural events and the top 5 attractions in all of South Africa. When you visit Cape Town, South Africa, you will need to make sure you are prepared, so your trip will be more enjoyable. The more preparation you do before you leave, the less you have to worry about once you get there. Then you will be free to relax and enjoy your visit.

1. Sun Protection
The sun in South Africa can be harsh, so you’ll need to wear sun protective lotion, as well as protective clothing like hats or visors to keep the sun out of your eyes and face.

2. Copies of Passport and Travel Documents
You always want to make sure you have more than one copy of your passport and travel documents in case you are to lose them or have them stolen. These are the only means by which you can return to your country, so protect them well.

3. Proper Clothing
Light cotton clothing is advised in the summer. The evenings get cooler so pack warmer clothing as well. Dress is typically casual in Cape Town even for evenings at the theater or restaurants.

4. Good Accommodations
My favorite place to stay in Cape Town South Africa is the Commodore Hotel. This is a 5-star hotel on the waterfront near the center of Cape Town. While, the room rate is a bit pricey, a hot breakfast buffet and world class service certainly makes up for it.

5. Money for Tipping
South African currency is called the Rand (R). The Rand is split into 100 cents, similar to the US Dollar and cents. You will need to carry money with you to tip people for service such as wait staff, taxi drivers, hotel staff, etc. 10% is a fair tip in Cape Town.

6. Safety Precautions
Never walk unpopulated streets of South Africa alone. Do not wear excessive jewelry or watches and keep the amount of cash you carry to a minimum. The Police emergency number is 10111.

7. Immunizations
While there are no international immunizations needed to enter South Africa, you should be aware that Malaria is a risk throughout the year. So protect yourself from diseases as you feel necessary. It’s better to be safe than sorry.

8. Local Driving Rules
In Cape Town everyone drives on the left side of the road. Many of the National roadways have tolls so always bring money with you if you are planning on traveling by car. Seat belts are required and if you have a young child with you, you should reserve a car set in advance.

9. Local Prices
You should have some understanding of the local prices, so you don’t get surprised or taken advantage of while on holiday in Cape Town. The average McDonalds meal is R23.00, bottled water is R5.00, a ticket to the movies is R30.00 and dinner out is about R100.00 each person.

10. Travel Insurance
Medical services are available at private hospitals and doctors in private practice. You should have some form of travel insurance that covers medical expenses. Again, it’s better to be safe than sorry in case something does happen during the trip away.

10_Things_To_Know_About_Russia

Title:
10 Things To Know About Russia

Word Count:
389

Summary:
Russia is an immensely huge and diverse country. Following are 10 things you should know about this immense country.

Keywords:
russia, country, lenin, stalin, gorbachev, vodka, russian women, men, baltic sea, peter the great

Article Body:
Russia is an immensely huge and diverse country. Following are 10 things you should know about this immense country.

10 Things To Know About Russia

The largest country in the world, Russia is a conundrum wrapped up in an enigma, which has been shaken, twisted and stirred over the centuries. There are so many contradictions in the country, that it is often hard to say anything is absolute in Russia. Still, here are a few things that you should know and might just surprise you.

1. Each year, the President of Russia has a press conference with journalist held for two hours on live television. No other leader in the world is required to do this nor does.

2. Founded in the 12th century, the Principality of Muscovy, was dominated for over 200 years by the Mongols.

3. Under Peter the Great, 1682 to 1725, Russia was extended to the Baltic Sea and the country was renamed the Russian Empire.

4. In 1917, The Communists under Vladimir Lenin seized power and formed the USSR.

5. Following the death of Lenin, Iosef Stalin became the supreme ruler of Russia. He killed more of his own citizens than the Nazis terminated in World War II.

6. General Secretary Mikhail Gorbachev tried to put severe limits on the amount of vodka sold in the country, but gave up after Russians started brewing their own.

7. Russians beer contains varying degrees of vodka.

8. Russia has massive naturally resources including oil, diamonds, natural gas, coal, gold and timber.

9. The population of Russia was estimated in 2005 to be 143,420,309. The population is stagnating and the government now offers financial incentives to couples that have children.

10. There are approximately 10 million more woman than men in Russia.

Two really understand Russia, one need only look at the flag of the country. It is adorned with a two headed eagle, with one head looking to the west and one to the east. Practically speaking, this is demonstrative of Russia’s geography. Being so very large, the country is really many in one. The areas found in the west such as Moscow and St. Petersburg look to and are influenced by Europe. The areas in the Far East such as Vladivostok have a much more Asian feel.

Anyway you slice it, Russia is an amazing country. If the opportunity presents itself to take a trip to the country, you should snap it up.