Do you know? Whole Univers under your fingers!!!

Wednesday, 29 April 2009

Premium Quality Auto Parts: Complementing Lincoln’s Most Notable Luxury Cars

When we speak of luxury vehicles, only a few stands out in the market; among them is the Lincoln marque. In 1998, Lincoln was adjudged as the best-selling luxury vehicle in the United States, besting top luxurious Euro makes. This only speaks of Lincoln’s exemplary driving abilities, high-class features, top quality Lincoln Parts and Auto Parts plus its superior design. Lincoln’s impressive engineering is inspired by Ford’s century-old experience in the auto industry. As one of the divisions of Ford Motor Company, Lincoln vehicles share with Ford models major auto parts from chassis to suspension and powertrain components.

Top models of Lincoln include the Lincoln Continental, the Lincoln Navigator and Lincoln Town Car. Among these, the Lincoln Continental made the most headlines. It was first made exclusively for Edsel Ford’s spring vacation but since it received great remarks from Ford’s friends and colleagues, he immediately ordered its production. The first Lincoln Continental models featured the finest auto parts from the exterior down to the smallest detail in the cabin and under the hood. Each of the Lincoln Parts and Lincoln Continental Parts was hand built to ensure their superior quality and design.

A limousine version of the Lincoln Continental was introduced in 1959; it was called the Lincoln Town Car. This name was also used for the luxury package of the 1971 Lincoln Continental model. After a decade, it was re-launched and this time, as a different Lincoln model line. However, Lincoln Town Car still maintained its luxurious features that made it the Continental’s top-notch version. Today, the Town Car is still in production and though highly advanced in many ways, its distinctive high-class classic attributes are still noticeable, making it a perfect blend of classic and modern luxury cars. Among its long list of commendable Lincoln Parts and Lincoln Town Parts are quad-beam complex reflector halogen headlamps, programmable front and rear running Lincoln Town Car lights [http://www.partsship.com/auto-body-parts/LCTOWNCAR97.html] and Lincoln Town Car wheels [http://www.partsship.com/auto-body-parts/LCTOWNCAR26.html].

Lincoln Navigator is a new generation model, introduced in 1998. It is a full-size sport utility vehicle that shares major Lincoln Parts [http://www.partsship.com] with the Ford Expedition. Compared to the earlier Lincoln Continental and the Lincoln Town Car, it features more sophisticated Lincoln Parts and as an SUV, it is armed with sturdy and hard-wearing auto parts that could withstand the most difficult off-road driving conditions.

A remarkable line of vehicles such as Lincoln deserves equally superior quality replacement Lincoln Parts. Only premium quality replacement parts and accessories could match stock Lincoln Parts and Car Parts’ durability and reliability. Performance parts such as the Lincoln Navigator wheels [http://www.partsship.com/auto-body-parts/LCNAVIGATOR26.html], Lincoln Navigator radiator [http://www.partsship.com/auto-body-parts/LCNAVIGATOR15.html], Lincoln Navigator alternator and Lincoln Navigator engine parts require excellent replacement Lincoln auto parts that could deliver the best performance this tough and dependable SUV needs. You don’t have to worry about finding these high quality Lincoln Parts because a wealth of Lincoln Parts and Lincoln Navigator Parts sources can be found online. Great Discount Lincoln Parts also await you all over the internet.

If you want to enhance your old Lincoln Continental or Lincoln Town Car’s looks and interior, you can get new and finest quality Lincoln carpet, Lincoln floor mats, Lincoln lights and other premium quality Lincoln Parts and useful accessories. Trust only experienced and well-known stores that specialize in selling top quality Lincoln Parts and Auto Parts [http://www.partsship.com] . There may be thousands of dealers offering Discount Lincoln Parts at rock-bottom prices but not all of them provide OEM-quality Lincoln Parts and Car Parts. It’s always best to get Lincoln Continental Parts [http://www.partsship.com/auto-body-parts/lincoln-continental-parts.html], Lincoln Town Parts [http://www.partsship.com/auto-body-parts/lincoln-town-car-parts.html] and Lincoln Navigator Parts [http://www.partsship.com/auto-body-parts/lincoln-navigator-parts.html]from a widely recognized dealer to ensure your vehicle’s top-notch performance and of course, your safety, comfort, convenience and highest satisfaction.

Bathroom Interior Design

Any advice or guide on the interior design of a bathroom should be based around one
simple concept: keep it simple. Rooms inside of a home should have functional aspects,
and if one room is designed for very specific functions, it is the bathroom. There have
always been many jokes about the "throne" of a home, but the honest fact is that creating
a visibly appealing and comfortable bathroom will inspire positive feelings to its users.


Hardware choices should be the primary concern when designing a bathroom. Faucets
and spigots, as well as tubs and toilets, produced in a variety of shapes and materials can
centerpiece a design. Open showers are currently popular with the younger upwardly-
mobile crowd, and claw-foot bathtubs are almost always considered to be classic and
attractive. Evaluate privacy issues first; don't put the toilet and tub too close together.


Is it a possibility to center your bathroom around a favorite theme? The answer is most
certainly "yes." Keeping in mind that "less is more" while choosing a decoration pattern
that will coordinate with the rest of the home will open many design possibilities.
Finding a color or pattern inspiration from simple or small artwork may be the first step
toward creating a bathroom masterpiece.


When designing a bathroom's tiling, take the time to shop around through different
hardware, decoration and craft stores. The more expensive of the different types of tiles
should have durability, aesthetic value, and a non-porous surface. It should be easily
cleaned and sanitized, and it needs to install easily without any expensive or caustic glues
or cements. Get creative also; all tile in bathrooms need not be made of porcelain.


After the design and production of a space-conscious and attractive bathroom have been
completed, focus on decoration accessories to bring out personality and individualism.
The bathroom is the most sacred room of any interior, and placing prized possessions on
the walls or shelves is an interesting way to bless this special room. Use courageous
ideas and do not be afraid to take chances, but above all: keep it simple.

A Guide to Good Furniture Care

Today’s new fabric treatments improve the chances of your fabric’s survival. Fabric protection products are usually applied by the retail store for an additional cost. Most of the various brands work the same way by causing spills and soil to sit on the surface of the fiber instead of migrating to the fiber’s interior.

Today’s fiber protection products are free of ozone damaging chemicals, and most are hypoallergenic and invisible to the eye. Some even provide additional UV protection from color fading caused by intense light. One of the greatest benefits of fabric protection products is that they come with specific written warranties that provide peace of mind.

Whether your new upholstery has been fabric protected or not, you should follow the same basic guidelines in cleaning liquid spills or surface soil that can’t be brushed off (such as newspaper ink).

Fabric Cleaning Codes

Before attempting to clean a spill or spot on your furniture, you should identify the fabric and the correct cleaning method recommended by the manufacturer. This information is represented by a cleaning code (W, S, WS, or X) often found under a cushion, on the bottom of the furniture or on the manufacturer’s tag. If you cannot find this information, contact your salesperson at the furniture store where the item was purchased.

W – Spot clean only with water-based shampoo or foam upholstery cleaner.

S – Spot clean only with water-free cleaning solvent. Do not overwet. DO NOT USE WATER.

WS – Spot clean with upholstery shampoo, foam from a mild detergent, or a mild dry cleaning solvent. Do not overwet.

X – Clean only by vacuuming or light brushing with a non-metallic brush. DO NOT USE WATER OR DRY CLEANING SOLVENTS. Do not use a foam or liquid cleaner of any type.

Never apply cleaning solutions to visible areas of your upholstery fabric without first testing on areas that are not visible. It is important to pretest for color loss and fabric compatibility.

Cleaning Instructions

As a general rule, when a spill occurs, it is important to clean the fabric immediately. The longer a spot remains, the harder it is to remove. It may even become permanent.

Blot, don’t rub. If the spill is still “fresh”, use a clean, dry and very absorbent 100% cotton cloth. Should you have to use paper towels to blot out spills, be sure the paper towel (or cloth) is white, as colors in the towel may, when applied to a wet surface, fade onto the upholstery. Color from one fabric can rub off onto another fabric, even when dry -- a process known in the industry as “crocking”.

If blotting with a dry cloth doesn’t quite finish the job and you have cleaning directions from the furniture manufacturer, follow those. If none are available, use the instructions provided here.

I hope this information has been insightful. Use these tools when necessary, but most importantly, enjoy your upholstered piece -- it was meant to be used!

Differences Between Perfume And Perfume Oils

The history of perfume oils dates back to ancient Egypt when these fine scented oils were presented to royalty as gifts. In modern times, however, when the word "perfume" is said, most people think of department store fragrances, which consist mainly of the concentrated oil and alcohol solution. Nevertheless, as more and more people are finding out about them, perfume oils are experiencing great popularity. Here are some interesting facts about perfume oils:

1) Strength of smell - Perfume oils are highly concentrated and up to ten times more concentrated than department store perfumes. This quality allows oils to last longer than their eau de perfume counterparts.

2) Alcohol - Perfumes have alcohol in them, which creates different smell effects. Most body oils use carrier oils like jojoba or grapeseed oil in place of alcohol. In some fragrances, the smell can change as the alcohol evaporates different scent notes through time. With oils, the scent is more constant.

3) Price - A noticeable difference between perfumes and perfume oils is price. Perfumes have a very high markup and great profit margins, which is perhaps why many celebrities have embarked on the trend of creating their own perfumes and colognes. Perfume oils can be sold very cheaply, or even more expensively than the perfumes, depending on how they are positioned in the market.

4) Body chemistry - Just because a perfume or cologne smells good on you, doesn't mean that the oil version will. Perfumes only have a small percentage of oil, so they are quite different than pure body oils. This interaction between the fragrance and your body may produce a different scent perception altogether.

5) Packaging - Clearly, department store perfumes are very nicely packaged and thus make great gifts for friends and family. Many perfume oils are sold in less attractive containers, which is part of the reason for their lower price.

6) Uses - Perfumes are only intended for use on the body, but perfume oils can be used to create a variety of scented products, like soap, candles, bath oils, air fresheners, and many other types of scented products. Be aware that there are different types of fragrance oils and that pure uncut oils are not safe for use on the skin.

In summary, whether you choose to use perfume oils or not will depend on the factors above. Try out a small sample first and who knows, you might just discover a delightful new product to add to your personal inventory.

Note: If you find this article useful, you may reprint it on your website, e-zine, or in your newsletter as long as the credits and resource box remain in tact and the hyperlinks are active.

Maternity Clothes Trends

For most women, the most stylish maternity clothes solution is to wear stretch classic jeans and a man’s white oxford shirt. However, the day comes when they face the inevitable: the visit to a maternity clothes store, either for a special occasion outfit, or to browse the plus size maternity clothes section in search for the most flattering solution to their style dilemmas. So what exactly should an expecting mom look for in maternity clothes, either regular or plus-size ones?

For the first few months most women can get along with the wardrobe they already have. Slightly bigger breasts and increased waistline will make them sexier, not bigger. But when regular clothes do not work anymore, most women prefer to forget about fashion trends and cocoon themselves into shapeless dresses or high-waist slacks paired with voluptuous sweaters.

First of all, don’t try to hide your condition. It’s chic to be pregnant today, and young Hollywood stars happily get pregnant whenever they want – and remain fashionable and glowing till the delivery. Today it’s much more flattering to show off your belly than to hide it under layers of clothes. The most current maternity outfits are sleek numbers that let your curvy silhouette show.

Happy Hippie. You will be perfectly stylish in free-flowing ethnic skirts, kaftans and yoke dresses that accommodate a growing belly. Airy tunics and patterned blousons look equally great with oversize cardigans, perhaps with a wide belt under the belly, or on their own, with a tiny capelet for warmth. This trend also embraces the wide empire-waisted and baby-doll dresses that can be worn over the maternity pants and jeans. Best designers working in this style: Alberta Ferretti, Anna Sui.

Bold Accessories. Keep the visual details on top. A scarf, a capelet, a bolero jacket in contrasting colors, virtually anything that accentuates the shoulders and bust line are very flattering. Layering with ponchos and shawls will complete the look, if you go for a loose bohemian style. Halter-type necklines are also very flattering, because in most women their neck and arms look the same even if the rest of the body grows at enormous speed.

Skip Underwires. When your bust is growing, a thick shelf bra is healthier than a bra with metallic wiring underneath. The sports bra will also do the trick. It will allow more room and support while you grow.

Wear Jeans. Today denim designers offer maternity versions of their most popular models. Citizen of Humanity, Seven For Mankind and Earl Jeans have maternity lines, as well as Juicy, in a variety of denim washes. Wear your maternity jeans low-slung, embroidered and slimming with contrasting washes.

Multifunctional Suits. With modern maternity suits you can easily switch from day to night, as they do double duty. You can dress them down with a t-shirt for a day or add a silk blouse or tunic for the night. The most charming maternity suits are made of wool and cotton, with blouses made of charmeuse and chiffon. Menswear plaids and pinstripes also look charming on pregnant women. Choose the size wisely: if you can stick two fingers between the waistline and the fabric of your new skirt or pants, it’s too big and will stay so, even when you grow.

Don’t Bare Too Much Skin. Revealing the growing belly may do the trick for Britney Spears, but not many women can do that with flare. Pregnancy is the beautiful period of life, but wearing too skimpy clothes will just look tacky.

Swimwear that you'll feel comfortable in!

Finding the right swimwear can be a fun and also a stressful experience. You want to look your best in the swimwear of your choice at the beach. Light, colorful beach clothing will make you feel comfortable and cool. Some of the varieties you can find in swimwear are the following:


Bikini -- This once-shocking is the granddaddy of fashion swimwear. Looks newest now in super-skimpy triangle, side-tie bottoms. Look for built-in push-up bras, underwire and sculpted cups for extra curves.

Tankini -- A variation of the bikini, has a longer top that leaves only a small portion of the tummy exposed. Don't want to expose your tummy at all? Go for the mock tankini.

Bandini -- A bikini with a bandeau (straight, striplike piece of fabric) top.

Camikini -- Same as the tankini except the top looks like a camisole.

Maillot -- One-piece suit (some creative types have even labeled a cut-out style the "monokini").

Boy legs -- A longer leg resembling really short shorts. Careful here -- tends to make the leg look shorter-- but still a favorite silhouette.

Swimsuits are made of a material such as Lycra or Spandex that clings tightly to the swimmer but also permits a free range of motion. A swim cap worn over the hair and ears also helps to reduce the resistance a swimmer encounters when moving through the water. Swim goggles allow swimmers to see better under water. They also protect swimmers’ eyes from irritation caused by chlorine and other chemicals in the pool water, and from salt or pollution in natural bodies of water.

Give some thought to which style of swimsuit you feel you would look best in. Whether it’s one-piece or two-piece you’ll feel most comfortable in the bathing suit that gives you the most confidence. Swimwear has changed a lot over the years, from suits that were bulky and awkward to swim in to the ultra tiny string bikinis of today.

Denim Is Big This Season - Dress It Up Or Down

For all you denim lovers, like myself, this is the season for you to shine. Denim is big this season. Denim has become a fashion statement of its own. No longer are we limited to boot cut, low rise, or relaxed fit jeans. It has come into its own - we can have denim hats, tops, belts, skirts, and even shoes. So wear denim with the attitude it deserves.

Many celebrities are really utilizing denim - they're dressing it up with embroidery, lace, fur, jewelry, accessories. What ever the heart desires. Dark denim, light denim, stone washed denim, colored denim - all good to go this season!

The gals can dress it up with pearls, the guys with a tie. Crystal or rhinestone jewelry will make you dazzling! Add some long fun beads, a chunky necklace, or an armful of bangles. Don't forget to accessorize. Add a hat, a belt, or how about suspenders just for kicks. Add a fitted blazer to that denim skirt, add some heals to your favorite pair of jeans. Try a pair of the ever popular wedge shoes with any of your denim items.

For women with small waists and wider hips Joe's jeans has a new jean line called "Honey Jeans" They are designed so they don't gape at the waist. They accomplish this by making a two part waist band which give them more of a curve. Low rise jean that truly fits the feminine form. Check them out. They run around $148.00 a pair and can be found online.

Paper Denim has grown in popularity and offers great body fits - Super low rise, low rise, x-low slash pocket, and x-low flare. As well as the trouser and boot cut if your looking for something different.

Marc Jacobs has a form fitting dress that is ever so sexy. Add a light cardigan for those cooler evenings and you'll look sensational.

There are a host of denim designers and manufacturers offering jeans of various cuts, mini skirts, bustle skirts, form fitting dresses, flowing dresses, capri pants, denim shirts, vests, hats, denim belts, denim shoes, the list goes on and on.

If you want to get some great ideas of what you can do with your denim I recommend you visit Misssixty.com Very interesting and informative site!

Denim is durable, wearable, comfortable, and now more than ever fashionable. So enjoy your denim and dress it up or down to whatever the occasion. Be certain to accent it with your favorite jewelry and have fun! Make your fashion statement!

Ladies, show off your Hair with cute Hair accessories!

Hair accessories offer an easy way of showing off your hair. Choose from a host of hair clips, scrunches, trendy scarves, bandanas and what have you. A well-chosen and well-coordinated hair accessory goes a long way in giving you and your hair a unique look. Hair accessories are almost a must-have in one’s fashion repertoire. So much so, that some celebrities are even identified by their trademark hair accessories.

There is a hair accessory for every occasion.

There is a hair accessory for every occasion, need or situation. And we virtually have a barrage of "specialized" hair accessories. Take for example children’s hair accessories which are designed for their special hair needs. Or for that matter, wedding hair accessories for that all-important event in your life, with different but coordinated hair accessories for the bridesmaids, the bridal party and a regal one for the all-important bride! Delve into a choice of tiaras, hair sticks, headpieces, halos and combs made from a wide variety of materials including pearl and crystal! Hair fashion has indeed come a long way! Bridal hair accessories come in the widest varieties, limited only by one’s imagination. Yesterday’s ponytail tied in ribbon are passé – today, headgear is in. To make that small but significant fashion statement!

Boots to Work and Dance in!

Wearing boots today is even more popular than ever. It used to be that boots were only for stomping through the mud with. Now however, boots can be as fashionable and stylish as you’d like. From motorcycle boots to cowboy boots and western boots, they’re all gaining in popularity. If you want to be on the edge of rugged fashion, get yourself some boots.


An early form of the boot was also known in Greece and Rome. Since ancient times men and women have recognized the need for a sturdy work boot. Today the choices of boots are great…wonderful styles and comfort.


Both men and women are wearing boots to all occasions that would have been unthinkable a short while ago. If you’re considering adding boots to your shoes collection (or if you’re looking at good solid work boots) you can find anything you want on the internet.


With today’s boots you can work, dress up and dance…all with the same pair of boots. When you’re deciding you which pair of boots to purchase don’t settle for anything less than solid quality. You’ll find that a good pair of boots will fit better and wear longer than an inferior pair.


Chose from only the best suppliers of boots. It doesn’t matter if its wolverine boots or fashionable thigh boots, you can find any style your looking for.

Monday, 27 April 2009

Planning A Car Audio System Installation

With such a wide range of components and gadget on the market for car audio systems, the big question is "Where do I start?"

First you must decide what exactly you wish to do. If you are wanting to build a car audio system for a daily driver (the car you drive back and forth to work) with good sounds, but you are not interested in competing, a system can easily be put together for under $1000. However, if you are looking for the all-out bass monster, be prepared to drop in some big bucks into your system.

One of the most important things to keep in mind when building a car audio system is planning. Get an idea of where you are going to place components, subwoofers, amplifiers, and power distribution. A lot of headache can be avoided with the proper planning!!

For the basic system, lets look at some of the components needed.

Let's first start with the head unit (CD player). Obviously you are going to want a nice head unit. If you start with a good quality cd player, and choose to upgrade your sound system in the future, purchase a head unit that will grow with you. Some of the features you may want to keep in mind are:

1. CD changer controls

2. XM / Sirius controls (if you decide to add Satellite radio in the future)

3. Dual RCA outputs (carries signal to the amplifiers)

4. Pause button (important for competing)

5. Detachable face, or other security devices

6. High voltage line driver - this will send the sound signal at a higher voltage to your amplifier/s reducing noise and improving overall sound quality.

After you have chosen your head unit, you will want to make a decision on amplifiers and subwoofers. Keep in mind that you get what you pay for. A $30 subwoofer will be as big as a $300 subwoofer, but the capacities of each will differ greatly. Look at the power handling of each subwoofer and decide accordingly. You will want subwoofers will work with your amplifier/s (see compatibility).

You must also keep in mind the available space in your vehicle. Are you willing to give up your entire cargo area? How many subwoofers will fit? Decide on the size. Sizes will vary from 8" up to 18", some are square (Kicker), but most are round. Also keep in mind the resistance (ohms) of the subwoofer and make sure they are compatible with your amplifier/s (see compatibility). The subwoofer decision will also have an effect on the enclosure you decide to build or purchase. For the basic system, I would recommend purchasing a pre-fabricated subwoofer enclosure. This will save you a bit of money and headache (especially if you end up building it two or three times!!). Make sure you take accurate measurement of your cargo area before building or purchaseing an enclosure!!

Other components may be needed depending on the type of system you are building and how elaborate you want your sound to be. For the competition vehicle, figure on upgrading your alternator, adding a battery to your system (maybe more), running high quality RCA cables, power cables, ground cables, and speaker cable. You may need to add a capacitor to provide your amplifier with a reservoir of power for bigger hits from the subs. You may need an electronic crossover, an equalizer, replacement factory speakers, an amplifier for your mid-range and tweeters, additional speakers within your vehicle for staging, etc.

Drive slower, save the planet!

The environment is a hot issue that we just can’t afford to ignore any longer. To some, being environmentally aware is a way of life, a necessary and fundamental aspect of existence. To others being ‘green’ is something to aspire to, a lifestyle that with a bit of guidance could be achievable.

Young people have been brought up in a culture of ecological revelations, such as the depletion of the ozone layer and melting polar ice caps. We all know that these things are still happening yet we’ve still got a long way to go before the impacts of modern society on our planet are decelerated. Our parents weren’t particularly clued up about the effect that peoples’ actions have on their environment and recycling was certainly never an option in many houses in the 80s and 90s. However, these days we do have the resources and the knowledge to make little changes that can improve the planet for the better. If we can slow down on the road then we might be able to slow down climate change.

High levels of Co2 emissions are one of the biggest influencers of climate change and environmental damage. Exhaust emissions contain a myriad of chemicals which clog up the atmosphere and cause long term damage to our surroundings. Aviation contributes to a large proportion of the damage. Each jet requires hundreds of thousands of gallons of fuel to get to its destination. Short of getting to your holiday resort by rail, a bit tricky if you’re off to the Maldives, there is little that you or I can do about aviation emissions. However, drivers can make a massive difference to the environment by taking a few steps to reduce their emissions and help reduce harmful pollution.

You can reduce the amount of fuel you use by up to 25% by changing some of your habits. Driving is expensive, with the cost of car insurance, road tax and fuel to consider. It’s not difficult to alter your lifestyle; we owe it to our future offspring and more importantly right now, we owe it to our pockets! Whilst we may not live long enough to see the benefit to the environment we can feel the immediate benefit to our pockets.

By being slightly more conscientious drivers we can all make a huge difference. Follow these tips from www.hootcarinsurance.co.uk and you’ll soon help protect the planet and feel the immediate payback in your pocket.

• Keep a steady speed when driving; by reducing the use of your pedals you reduce the use of fuel.

• Anticipate conditions, and accelerate and decelerate efficiently. This is safer and uses less fuel. It is also proven that you won’t get to your destination faster by speeding. According to Earteasy.com the most fuel-efficient speed for your car is roughly 55 mph, or 90 km/h. Increasing your speed from 55 mph to 75 mph boosts your fuel consumption a stunning 20 percent!

• If you are in traffic or caught behind railway gates, then turn off your engine. Idling uses up a great deal of fuel especially when some train gates stay down for as long as ten minutes.

• Keep your tyres pumped up to the correct level. This will save you up to 4% fuel.

• Maintain your car and change the air filter as recommended by the manufacturers’ guidelines.

• If at all possible, car share to work, this will save you money and give you a clear conscience! Some companies arrange car share schemes as do some local councils. See www.nationalcarshare.co.uk and www.liftshare.co.uk for more information.

• Walk to work if you live nearby. Not only will this keep you fit but you’ll also save fuel and money.

• purchase a car with a small engine. This will not only cut emissions but also means really cheap car insurance, cheaper tax and manoeuvrability in busy towns. Driving a 4x4 means 50% less fuel efficiency, so unless you are a farmer and regularly go off road, there really is no need to drive a gas guzzling vehicle in urban areas. By the way spray on mud is a dead giveaway!

So, we can all cut our costs and save the planet at the same time by making a few changes to the way we drive, but what about the future of fuel? Surely driving more slowly can’t be the only solution?

The future of travel

There are some innovative new energy solutions, new engine designs and hybrid car concepts which are set to take off in the years to come.

Hybrid cars are vehicles that have an ordinary combustion engine combined with another energy source such as batteries or electricity. The alternative energy source takes over from the engine when it is inefficient, such as during long slow drives. These hybrids are extremely efficient and half as polluting as normal cars with petrol engines. The good news is you don’t even have to change your beloved car because it can be converted as long as it’s less than six years old. This can be costly but long term it could save you money. There are also several government schemes running that can help you to convert your car. Some manufacturers have already caught onto the benefits of hybrid vehicles. For examples of hybrids look at the Toyota Prius, the Ford Escape and the Honda Accord to name but a few.

Electric cars may be the way ahead for city dwellers. With no emissions and using a quarter of the energy consumption of a similar sized petrol car they may revolutionise driving in the longer term. Although the cars currently on the market only drive at a maximum of 40 mph, they are exempt from tax, some congestion charges and great news for young people… they are in the lowest car insurance group. After the initial outlay of around £8,000 the car is cheap to run and extremely eco-friendly.

The future of fuel

Sulphur free fuel: We can expect to be able to purchase this by 2008, in fact this will become compulsory by that date.

Biodiesel: This is a blend of 95% low sulphur diesel and 5% rapeseed oil. This reduces CO2 emissions by as much as 5% and can be used in an engine that hasn’t been converted to this type of fuel.

Bioethanol: Although this could take years to become widely available it produces less air pollutants and is renewable. It is made through the distillation of wheat, sugar or biomass. It can be used blended in unmodified engines or straight in modified engines.

The future of our environment is in our hands. If you can’t afford to purchase a hybrid car or convert your engine, you can certainly make a start on your eco friendly lifestyle by following the driving tips above. It’s not too late to decelerate the impact of our polluting behaviour by decelerating our driving. It really is worth it for the future of the planet and for the health of our bank balances.

-ENDS-

Editorial notes: www.hootcarinsurance.co.uk is an online car insurance provider which offers massive savings on existing premiums and gives the customers quick quotes and the ease of purchaseing online. Hoot provides car insurance for young people only.

Used Car purchaseing Tips

Some of these used car purchaseing tips won't be new to you. Often the trick is just to apply what you already know. On the other hand, when it comes to expensive areas of life like purchaseing a car, one new thing learned can save you hundreds of dollars. Try some of the following.

1. Make a low offer. Okay, you knew this one. A trick you may not have used, though, is to make a low offer, and then leave your phone number with the seller. Time has a way of making sellers desperate, especially after you just helped convince them that they are asking too much.

2. Be careful with car price guides. Use the "blue book" etc, but try not to pay more than wholesale. I can't think of many times when people I know have paid more than "bluebook," so these "average" sales prices are doubtful.

3. Talk to people. This is one of the simplest and effective used car purchaseing tips. Just let friends, family and others know you're looking for a car. Quite often people would be happy to avoid the whole process of advertising and showing their car if they could just get rid of it by giving a good deal to a friend.

4. Check out the engine. Have a mechanic look at the car, and tell you what it's likely to need in the next year or so. Then make a list, so the seller can see in writing why you are offering less than he wants.

5. Auctions. See if there is a public auction in your area. If not, maybe you can go with a dealer friend and give him a $100 to purchase a car for you.

6. www.carfax.com. It's around $25 to run vehicle background checks for a month - long enough to find your next car. They'll show the chain of title, accident reports for the car, and even safety and reliability scores for that model.

7. "Ugly" cars. Watch for cars that sit on the lot for months. Dealers will often sell these "ugly ducklings" at a loss just to move them. Again, you may want to leave your phone number with a low offer.

8. Rental company cars. They are sold fairly cheap when they get the new ones in. purchase at bluebook wholesale or less, because they have had many different drivers, so they've more wear than normal.

9. Repos. Credit unions and some small banks do their own selling of repossessed cars. You usually bid on paper, maybe with a $50 deposit, and then get your $50 back if you're not the winning bidder. If they don't sell their own repossessions, ask where they are sold.

10. Consider gas mileage. High mileage may be better, but maybe a car that costs $500 less will use only $400 more gas in the two years you expect to own it. Do the math.

Use the tips here the next time you are shopping for a used car. Meanwhile, why not learn a few negotiating strategies. This helps in many areas of life, and is the most important of these used car purchaseing tips.

Avoiding Fraud Through Safe Shopping

Online fraud is an increasing problem that can be avoided. Every year more and more people shop online, and every year seems to bring more ways to trick unsuspecting purchaseers. This report was written to help protect you as a consumer.

Following the guidelines set in this report will protect you from most types of online fraud, and help you recover in the event that you are taken advantage of.

-------------------
Before You purchase
-------------------
Before you purchase anything online, review the store’s refund policy. Make sure they will accept returns on defective or wrong items. Also, see how long the return period is, usually, it is 30 days.

Review the store’s privacy policy. You want to know that your information is being handled responsibly before giving it to anyone.

-------------------
During Check Out
-------------------
Plastic or plastic? During the checkout process you will be given a few payment options. Of these, you will probably see credit or charge cards. As you know, if someone accepts credit cards, they also accept debit cards. Debit cards are not the same when it comes to limiting your liability for fraudulent use. Debit cards are fine for most things, but not online purchasing.

Credit or charge cards are the ideal way to pay online. If you pay by credit or charge card online, your transaction is protected by the Fair Credit Billing Act. Under this law, you have the right to dispute charges under certain circumstances and temporarily withhold payment while the creditor is investigating the disputed charges. In the event of unauthorized use of your credit or charge card, you generally would only be held liable for $50 worth of the charges.

Some credit companies even offer an online shopping guarantee that ensures you will not be held responsible for any unauthorized charges made online, and some may provide additional warranty, return and/or purchase protection benefits.

Double check everything. Make sure your billing, contact, and email addresses are correct and yours. You don’t want your purchases delivered to someone else.

Always ensure that the checkout is being completed on a secure server. You can tell if a server is a secure server by the web address, it should begin with an https://. In addition, the bottom of your browser should contain a padlock image.

-------------------
After the purchase
-------------------
Always keep a record. You should receive a receipt or invoice after your payment. If you do not, politely request one from the vendor.

Be sure to save this receipt, you will need it as a proof of purchase if the item is defective and needs to be returned, or was never received.

-------------------
Ongoing Precautions
-------------------
You should regularly check your credit card and bank statements for any unauthorized payments. If you notice anything that you did not authorize, be sure to notify your credit card company or bank immediately.

Some malicious applications will rest on your computer, and send your private information to someone else. This is a common cause of identity theft. For this reasons, you should always run the latest version of your antivirus program with the most recently updated databases. You should also run spyware removal programs regularly.

-------------------
Conclusion
-------------------
Following the guidelines outlined in this report should lead to a satisfying online experience. The only identity theft victims are people that don’t know or follow safe shopping practices.

5 Tips for Online Shopping

Shopping online has become more and more popular in America as we are all looking to save a little time and money. E-commerce sales are growing at astronomical numbers ranging from 20-25% per year. And according to Forrester Research, 40% of households are using coupons in their web shopping. The huge increases are obvious: the online savings and discounts are impossible to match by traditional stores constrained by the overhead costs of employees, rent, and insurance. By using some of the tips and tricks mentioned below, you’ll be able to take further advantage of a new American pastime: saving with online shopping!

Tip 1: Don’t purchase Ebay. We all know online auctions seem like such a great deal, and it’s easy to get caught up in the emotion of auction. Thing is, auction sites like Ebay and Ubid have become saturated with purchaseers AND sellers, so virtually any discount found is quickly sought by re-distributors who then add their own markups to your purchase. The online marketplace has enough people out there that you can end up spending hundreds of extra dollars for the same things found in your local mall! Don’t let your emotions get involved – these are not the right places for the aware shopper.

Tip 2: Never pay retail. Take this scenario: You find something you want to purchase, maybe the latest craze or fad such as the Ipod. Should you really pay the price that Apple is offering? No! You can find many deals and coupons for the same purchase just by typing, for example, “ipod coupons” into Google. Spend a little time searching through the top ten to twenty results, you’re sure to find the same product for a significant discount. Sometimes, by filling out a survey or signing up for an email list, you’ll get additional savings and many times you can even get your product for free!

Tip 3: Get over your instant gratification desire. Just admit it, purchaseing something always gives you a good feeling and you can’t wait to take pleasure in that new purchase. Anything you’re purchaseing at the mall for that same good feeling can usually be found for a huge discount online. You just have to be willing to wait for the short 2-5 days that it takes for shipping. It’s definitely worth the savings to able to control your emotions and hold off until it arrives via UPS!

Tip 4: Watch out for excessive shipping charges. Many times retailers slash their costs to get the sale but then charge more for shipping. Make sure to check the final cost to ensure you didn’t receive any unwarranted charges. You should also find a free shipping deal at any of the online coupon sites. Sometimes the shipping can cost more than your purchase!

Tip 5: Online coupons: Were you aware of online coupon websites that have discount and promotion codes to nearly all internet stores? These types of websites always have up to date discount offers arranged by category or store, so you can always find something on sale. It’s not only a way to get a good deal but you can also find some of the free shipping offers listed in tip 4. Just be careful to check for a coupon code before making any internet purchase. It’s a simple way to find extra savings.

How To Accept Credit Cards Online

Anyone with an online business, whether for auctions,
services, or virtually any type of product, has asked the
same question at some time during their quest to create
the ultimate online business - "How do I accept credit
cards?"

Since over 90% of all transactions on the Internet
involve customers paying by credit card, accepting
plastic money rates a must for almost any business.

The problem for most small online business owners
involves the high cost of setting up and maintaining a
credit card merchant account.

With startup fees ranging from $200 to $500, minimum
monthly fees of at least $40 to $50, plus per transaction
fees and a percentage of sales, most people who want to
supplement their income online or test an idea can't risk
that kind of money.

Add in credit checks, 48-month service contracts,
expensive equipment purchases or leasing, financial
statements, and last 3 years' tax returns and most people
throw up their hands and give up before they even get
started.

Fortunately several companies responded to this problem
with unique solutions that enable smaller online
merchants to accept credit cards at a fraction of those
high startup costs with no long-term commitment, no
equipment purchases, and zero minimum monthly fees.


~ PayPal.com ~

PayPal has gotten some negative press over the last
couple of years, but that press has been mostly
undeserved.

PayPal makes it easy for you to collect money for your
online sales, send money to merchants, bill people
monthly, collect dues and donations and integrate a free
shopping cart into your site.

Of all the payment and money transfer services online,
PayPal ranks as the absolute lowest in cost and the
easiest to set up.

PayPal allows merchants to sell physical and downloadable
products along with personal services.


~ ClickBank.com ~

For a $50 one-time fee ClickBank enables online ebook,
software and other electronic information sellers to not
only accept credit cards, but provide instant delivery of
their products to online purchasers.

ClickBank allows any merchant to accept virtually every
major credit card on the planet.

The online merchant simply adds a purchase link to their
site, the customer clicks the link, fills in their
payment information and the credit card gets authorized
on the spot.

Once the card gets approved ClickBank redirects the purchaseer
to a page that enables them to download the ebook,
software, or other product they have just purchased.

ClickBank also operates a fully integrated affiliate
program that automatically pays affiliates who sell your
products for you.

ClickBank heavily restricts what merchants may sell
through the service and does not allow the sale of
physical goods.


~ PaySystems.com ~

Of the three, Paysystems behaves most like a traditional
credit card merchant account.

The service allows the merchant to integrate with a
number of third-party shopping carts as well as use the
PaySystems shopping cart system.

Merchants pay a small transaction fee and a percentage of
the sale, but don't sign up for any long-term service
contracts or equipment leases.

Shop Safely - How to Protect Yourself When Shopping Online

Online shopping offers many benefits that you won’t find shopping in a brick and mortar store or by mail. The Internet is always open seven days a week and 24 hours a day. Internet-only deals and bargains can be numerous online. Shopping on the Internet is no less safe than shopping in a store or by mail. Keep the following tips in mind to help ensure that your online shopping experience is a safe one.

1. While Online Order Only On A Secure Server.

Use a secure browser and shop only at websites that offer encryption protection. A protected website will have one or more of these three features:

a) The small lock or key symbol at the bottom of your browser window;

b) An address that starts with https ("s" for "secure") instead of just http; and

c) A security warning box that pops up at the point of purchase.

Your browser should comply with industry security standards, such as Secure Sockets Layer (SSL). These standards scramble the purchase information you send over the Internet, helping to secure your transaction.

2. Pay The Safest Way.

Use a credit card or Debit Card with a safe online shopping guarantee. Look for a card with specific guarantees, like 100% coverage for any losses due to fraud when shopping on the Internet. Many companies offer an online shopping guarantee that ensures you will not be held responsible for any unauthorized charges made online, and some cards may provide additional warranty, return and/or purchase protection benefits.

3. Protect Your Privacy.

Look for and read a website's privacy and security policy. Stay clear of a website that either doesn't have one or does not guarantee your personal information will not be sold. This policy should disclose what information is being collected on the Web site and how that information is being used.

4. Know Who You're Dealing With.

Research your merchant. Look at the ratings consumers give them and stay clear of websites that either aren't listed or receive poor marks. Shop with companies you know. Anyone can set up shop online under almost any name. If you’re not familiar with a merchant, ask for a paper catalogue or brochure to get a better idea of their merchandise and services. Also, determine the company’s refund and return policies before you place your order. These should be posted on the company’s Web site.

5. Keep A Record.

Print out a copy of your order and confirmation number for your records. Reputable merchants will usually send you an email confirming your order. However a hard copy is always good to have in case your order is lost, deleted or not delivered as promised.

6. Guard Your Online Password.

Keep your password(s) private. Be creative when you establish a password, and never share your website passwords with anyone. Write them down and store them in a safe place. Avoid using a telephone number, birth date or a portion of your Social Security number. Instead, use a combination of numbers, letters and symbols. Do not use the same username and password at every website. Should your personal information be compromised, a thief won't get very far if you use different passwords and usernames on different websites.

7. Track Your Purchases.

Use only one credit card to shop with online. This helps keep track of your online purchases during the holidays, and will make it easier to spot purchases that are fraudulent. Look for a card that allows you to review transactions online as well -- you'll be more likely to notice a problem early on.

8. Keep Personal Information Private.

Don't enter more information at a merchant website than is absolutely necessary. There is usually no reason why you should have to supply information such as birth dates or Social Security numbers when making a purchase. Fill in only the bare essentials necessary to make your purchase. If you have children, teach them to check with you before giving out personal – or family – information online.

Sunday, 26 April 2009

Accounting Police: Do They Exist?


Who created accounting principles? Who sets and revises accounting standards? What if you don’t follow all the rules, do you go to jail? Is there an accounting police force that investigates and arrests violators? It would seem that there must be some regulatory force to make sure that providers of financial statements conform to the rules. There is, up to a point, and here is how it works:


Mainly, it’s all voluntary and it works pretty well. First, double-entry accounting originated in Italy in the 1400’s, so its been around awhile. Accounting principles have evolved over the years just as have accounting standards. The reason why the system works is that the business community could not function if there was not commonality and consistency in financial statement reporting. It would be chaos, much like if there were no driving rules of the road.


Therefore, in the United States, a body of experts known as the Financial Accounting Standards Board (FASB pronounced Fasbee) was established in 1973, which superseded another board called the Accounting Principles Board (APB). The FASB members go through a lengthy process of analyzing and reviewing problems in the accounting field that are brought to them. After much thought, they will make a pronouncement as to what they think the new or revised way of approaching the treatment of an accounting issue should be.


They are a non-governmental organization that has private financing. A big supporter of FASB is the American Institute of Certified Public Accountants (AICPA). Many Certified Public Accountants (CPAs) belong to this prestigious organization and are obligated to abide by its guidelines and principles of behavior. Other countries no doubt have similar organizations that require high levels of accounting professional conduct.


FASB established an accounting code called “Generally Accepted Accounting Principles” or (GAAP). The assumption is that if a business financial statement is prepared according to GAAP, then the user of that financial statement could rely on or trust the information more readily than if not prepared according to GAAP. Those businesses that deviate from GAAP, and many smaller businesses do, cannot say that their statements are prepared under GAAP; in fact, they should inform the reader that they are not. However, let the purchaseer beware.


One governmental body that has a policing function is the Securities Exchange Commission (SEC). It is primarily concerned with public companies because their job is to protect investors from unscrupulous acts. Recently, the SEC has gotten into the act of establishing accounting standards. It has its hands full today.


Since most businesses use their financial statements to prepare their required income tax returns, the Internal Revenue Service (IRS) may audit those tax returns and review the financial statements upon which the tax returns are based. Not following the rules can get you in trouble with this governmental body.


You can see that in many ways compliance to the principles and standards is a mixture of voluntary and regulatory behavior. Currently, there is an effort underway to set international accounting standards due to the inexorable globalization process. This is a massive undertaking that will take years, but it is obviously necessary and inevitable.