Saturday, June 6, 2009

Uses Of Auto Seat Covers

It is an irony that auto seat covers are the most neglected thing in a car, while so much importance is given to its looks. Auto seat covers are as important for your car as any other part of your car. These covers will keep your seats free from dirt and other harmful elements. They will also maintain their shape.

There are several companies which offer designed seat covers. There are some companies which make baby seat covers made of cotton and silk, so as not to harm the baby's skin. The most important feature of an infant seat cover is the security it provides to the baby while the car is moving. Also, it provides security to parents against the mess created by children. You just need to detach the seat cover, toss it in the washing machine and refit it again to give the seat its usual look.

Auto Seat Cover Materials

Soft Touch: Poly-cotton is the most widely used material for auto seat covers. It is very soft to touch, and also renders protection against harmful elements simultaneously.

Sheepskin: The usage of sheepskin is common next to poly-cotton for seat covers. It is considered to be thermostatic in nature, as it is warm during cold conditions and cool during warm conditions.

UV Protected Sheets: Another good choice of seat covers that you can consider having are Velour seat covers. They are also very soft to touch like poly-cotton. However they are different, as they possess an additional ultraviolet coating. So they will protect the color of your car seats from fading.

Types of Auto Seat Covers

Universal Auto Seat Covers: These kinds of seat covers are a universal fit. This means that they can be fitted to almost every kind of car seat, whether they are low-back or high-back bucket seats. It is very convenient to fit and remove them. But they cannot be used for car seats with side-impact airbags.

Custom Auto Seat Covers: These auto seat covers are tailor made. They can be made as per the measured size of specified car seats. While making custom covers, every minor detail of the car seat is taken notice of and pondered over. This fitting is considered perfect, as it is specifically made to fulfill the particular requirements of the car.

Hybrid Semi-Custom Auto Seat Covers: These kinds of seat covers are best if you cannot afford custom covers. They may not provide you with all the features which are rendered by the latter, but they are able to protect your car seat against any harmful elements.

Maintained car seats give a beautiful look to the interior of your car. So it is always recommended to use auto seat covers to provide your car seats with protection against any harmful elements. This will increase the durability of the interior of your car.


About the Author:

Stefan Rockhaus writes about automotive accessories at Mega Info Spot - Visit Auto Seat Covers to read more about car seat covers




Friday, June 5, 2009

10 Signs You Need a New Bra!

If you're like most women, you dread the day you have to go bra shopping. Women have mental lists of reasons why to not shop for bras: they're expensive, they don't like to shop for themselves, and they don't have the time or the patience to try on every bra in the store, or just can't find the right fit! Frustrating? There's no avoiding it-sometimes you need to buy a new bra-and that doesn't mean when the wires are poking you through the fabric! Knowing when to get a new bra is essential to helping you keep bras that are comfortable and shapely. Here are a few reasons you may be in need of a new bra-now.

1. If Last Summer was the last time you bought a bra. Bra shopping can be expensive. It can be easy to spend $50, $75, or even $100 on a bra, but there are plenty of bras for under $30 as well! Think of it this way, if you can spend that money on a mani/pedi or a couple of movie tickets, you can definitely spend it on a bra!

2. A Special Occasion. Do you have a wedding coming up? A 'formal' dance maybe? There are certain occasions you may need to wear a strapless or 'convertible' bra-essential to every woman's wardrobe!

3. Great News! You're Pregnant! You may not need a maternity bra just yet, but expect to grow a couple of sizes during your pregnancy. Even women with small breasts will eventually need a bra with underwire for support during pregnancy. Taking care of your breasts during pregnancy and nursing, with good bras, can minimize post-baby sagging. Look to brands such as Bali, Playtex, and Calvin Klein for comfortable pregnancy/nursing bras.

4. Your bra just doesn't fit right. If your bra is stretched, the back strap rides up, you're constantly adjusting, or you're embarrassed to wear a tight-fitting shirt-you need a different bra. Be honest with yourself first-Do you wish you were a C cup, but are really a B cup? Or what if a DD is just too small for you? Your bra should support and shape you, without restricting you. Your bra should not be loose in any way when you stand up straight. Don't be ashamed to check out full-figured or plus-sized bras for the right fight. If you wear t-shirts often, a good seamless bra is essential. Again, stop stressing about your size! Get a bra that is going to be comfortable.

5. Your bra's best friend is your washing machine. Remember this-bras should be hand-washed. Most of us don't have the time, but in this case, do yourself and your bra a favor a get a lingerie bag! Bras that are machine-washed/dried need to be replaced much more often than ones that are gently hand-washed.

6. Underwire poking at your skin. The underwire in a bra should lay flat against your skin, underneath the breasts. If you feel the underwire poking through the fabric, you need a new bra! Find yourself adjusting the underwire back to its proper position throughout the day? It's time for a new bra.

7. Holes in your bra. If your bra is in any way torn, this is a sign it needs to be replaced. Think of it this way, a bra with holes in it can tear completely at any moment. What will you do then?

8. Your bra is not the same shape and does not have the same support as a new bra that is the same size. This is especially true for sports bras. If you hold up your existing bra to a new one of the same size and it does not look the same, you've worn it out! Champion or Adidas are good brands for sports bras.

9. You have gained or lost weight. Your breasts are made up of, mostly, fatty tissue, so when you gain or lose weight, it may make a significant change in their size-assuring you a new bra. Whenever you gain or lose 10 pounds, you should get fitted for a bra to ensure you are buying the right size for your body.

10. Ready for a New Look? You don't have to wait until your old bras are ripped and torn to get a new one! Have fun with it! If you usually wear plain cotton bras, try printed, sexy, lace bras for a quick pick-me-up. You may discover a whole new bra-world for yourself!

Bra shopping shouldn't be frustrating. If you happen to find a bra that fits you like a glove you may want to but a few in case they're discontinued! Have fun with your bra shopping, but remember, a good bra should be comfortable and should support you-it should not be a nuisance. Happy shopping!

Jessica Katz has been selling sexy lingerie for years, and owns Lingerie Exposure. She does extensive product research for lingerie items that are most in demand and negotiates price so you can get the styles you want at the prices you'll love. Want to see these wonderful deals? Available at: => http://www.LingerieExposure.com

Article Source: http://EzineArticles.com/?expert=JessicaKatz

By Jessica Katz

Thursday, June 4, 2009

Spurt in Prices of UK Land ? An Ideal Investment Opportunity?

UK is becoming densely populated to an untenable level. This has led to an acute housing shortage and a sharp rise in UK Land for Sale prices.

Prices for housing and land in UK has shown continuous upward trend due to a robust growth in average earnings - predicted to be close to 5% this year - as well as cuts in interest rates that has combined to prop-up the housing market .

According to Milan Khatri, chief economist at the Royal Institution of Chartered Surveyors, the medium term outlook is for steady price growth.

Despite a fall in the number of mortgage approvals in April, which are viewed as a forward indicator of housing demand, activity remains above the historical average and still point to firm demand conditions, Mr. Khatri said.

Thus investments in UK Land for sale market are increasingly becoming attractive to common investors.

UK Land Highlights

? Unlike equities, the capital growth of land investments is attractive and so is the downside risk
? Better growth and lower downside risk than ANY other investment.
? Growth is consistent
? Unlike equities and land in the right location does not suffer long periods of cyclical decline.

Today, there are a number of companies serving smaller investors select plots of land to buy, and investments typically start at about $10,000.

Following types of plots of land for sale are available across the UK -

Brownfield Land: Brownfield Land is the common term used for previously developed land i.e. land that is or was occupied by a permanent structure. This land is often smaller, resulting in High Rise Development e.g. old petrol station and factories.

Greenfield Land: Greenfield Land simply refers to land that has never been used for development eg Farmland.

Greenbelt Land: Greenbelt Land is largely undeveloped or sparsely occupied land, which historically has been set aside to contain development, prevent towns merging and provide open space. Greenbelt boundaries can change in response to the requirements for additional housing in a controlled manner.

While there is some opposition against moves to grant planning permission to builders on greenbelt and greenfield land but keeping in view the acute mismatch between expected demand for housing and the amount of land available for planned development such moves are necessary.

Moreover release of such land for planned development would create jobs and opportunities in those areas and by increase in the supply the house prices would automatically lower, thereby ensuring that everyone can afford to become a home owner. At present, for the ambitious young generation to own a home is easier said than done. It is also very difficult for the low waged population to build there own homes.

Thus be it a farmland, greenbelt land, greenfield land or brownfield land, buying plots of land for sale has the potential to make stunning returns quickly. Infact prices of land in UK have increased by a stunning 926% in last two decades.

UK Land for Sale Market is thus expected to show a steady increase for coming decade and could prove to be an ideal investment vehicle for common investors

Stephen Brewood
Land Plots For Sale in UK

Wednesday, June 3, 2009

Flipping vs Keeping

NO contest.

I have written about this for three years. I know there are seminar leaders discussing it Nationwide, adnesua.

Let me set the record straight. THERE are two things at battle here. ONE is, What is a fairly easy way for me to make a few thousand dollars? The other question is What is a fairly easy way for me to make millions of dollars?

Those are two different questions. ON several newsgroups focused on real estate investments, I have been sneered at, insulted and cajoled because of these facts. I can see now why the negative comments occurred. I failed then to say ?way to make Millions, or to make money. I did instead say, those who are into real estate investing and flip houses are idiots. My bad. IF one does consistent flipping as a way to make Millions, he/she then is an idiot. I am calling an idiot anyone who takes a method and Prostitutes it and then, must take 3-5x longer to get to their objective if they, in fact, Ever reach it!

For those of you new to this whole ?game? of real estate and flipping, I will explain it. Flipping is an assignment of the right to own a piece of real estate. Anyone can assign Their rights to real estate. A synonym to flipping is wholesaling. This is the industry Term though it is a misnomer. Wholesalers gain title to something whereas in real estate, A flipper or wholesaler only gains rights, and not title. The difference in some cases Is significance. And it is TRUE that one needs no credit, no job or anything in order To flip a property--only a willing property seller.

This math I have shown to others repeatedly;

Take one house, market valued at $200,000. [I used to use 100k, but those houses in Flip territory are vanishing.

THE flippers methods are easy to understand. He/she usually; finds a property From one of many sources, that is available at 10-50% below FMV, or, fair market value. This flipper gets that property UNDER control by writing a contract on it. WHLE it might make no sense to those not familiar with real estate, anyone can write a real estate Contract and give it to a seller. Perhaps it takes 100 contracts to get one seller to accept But that is the method. Twenty five years ago, I did that to get control but I kept the properties and lived in them or managed them and sold them later. A seller can accept anything they wish to accept. Some sellers care who the buyer or contract writer is And some sellers DO NOT CARE.

AFTER the flipper finds house that is thought to be for sale below market [10-50% And gets it under contract [some UNLICENSED flippers instead, only know of such properties and make separate contracts with future buyers that obligate the buyer to pay them for the info if the buyer buys. This is illegal!

The finder of the house, the contract holder, must now do two things
A; find the best price to re-sell at and
B; find a buyer for the property.

Since the wholesaler sells the property below fair market value, the difference is what is going to the buyer. Thus, the buyer of a flipped property gets instant equity.

Presuming in my math that the finder wants 10% for himself and is offering a house At 25% below market [that is available to the flipper at 35% below, the flipper Sells the house at no cost to himself and grosses 10% of the price he sells it at.

The $200k house fmv is available for a 35% discount, or 200-70k=130k and sold to the new buyer for 10%, usually of the purchase price so 130 + 13k = 146k

The buyer nets 54k in equity while the flipper nets 13k The flipper flips 2 houses a year, thus netting 26k, not counting his mini expenses of Phone, faxes, and gas. We will ignore those.

In 1 yrs, he has 26kB
In 2 yrs, he has 52
In 3 yrs, he has 78k
In 4 yrs, he has 104
In 5 yrs, he has 130k

Now, let?s see what the other guy can net if he keeps his properties he finds.

He has escrow and perhaps transportation expenses and points to pay, so he has a true cost of perhaps 3k costs to add to his 130k purchase price, so he pays 133k.

HE immediately re-fi?s the property, getting a 90% ltv of value loan, or 180k loan [180k is 90% of 200k

he has cash out of [180-133k= 47k IF he puts tenants into the property, that is gravy

1st yr, 47k
2 yr, 47k
3 yr 47k
4th yr 47k
5th yr 47k
and he re-fi?s the first two props again and pulls out another 47k
he has 47x6= 282k
282k vs 130k and #2 buyer can re-fi every 3 yrs indefinitely for another 47k, tax free.

If he is smart, the 2nd buyer will buy biz?s or notes and NOT use his cash for more RE purchases. Why? Cause he can earn 25% on his cash from the RE while his RE loans only cost him 7% max!

WHEN I am told by flippers [even of commercial that they can make so much fast cash, I ask them how much cash they have after 1-2-3 years and none of them has a dime; My wife got sick, my kid needed braces, we went on a vacation.

So did the guy with the houses he kept. But he had those same expenses and still owns his houses.

IT is thus, a no brainer. BE a keeper, not a flipper. FLIPPERS are not only flipping houses, they are DONATING their profits to the buyers!

[if you want to talk about property management, we can talk about that separately as it is also a no brainer.

Tuesday, June 2, 2009

Residential Units Specified

The word residence can be used to describe all sorts of properties used for living. In prehistoric times, one?s residence could be a cave, a tree house, or a simple post and lintel structure. Today, not much has changed. Different structures can still be considered as residential units. Generally, residential units can be divided into two categories, namely: Apartments and Houses.

The most common residential unit is the house. This structure is normally detached (not attached to anything) and is traditionally built for only one family. However, there are houses that are specifically built to accommodate two families. These are called duplexes. In duplexes, the features found on one half of the house are mirrored on the other half, thus giving each occupant the same amenities.

Since houses normally cost quite a hefty some, those who cannot afford to purchase one yet, opt to live in the next best residential type: the apartments. Apartments are multi-storey edifices that can house several families. Apartments are further subdivided into several categories, those that are built for mass housing (tenements) and those that are more upscale (condominiums, etc). Apart from the socio-economic determinants, apartments can also be classified according to the number of rooms each unit has. There are single room units called studios, and larger multi-room (and possibly, even multi-storey) units.

Each type of dwelling has its own pros and cons ? it?s up to you to evaluate and weigh these based on your needs and the needs of your family. So if you are out looking for your new home, make your selection based on your needs. If you will be living alone, it may be more economical if you just stayed in a studio apartment. If it?s just you and your partner, a one-room apartment or a one-bedroom house (2-bedroom if you want extra space) may do the trick. If you have a large family, it will be better if you sourced around for a single detached house with enough rooms to accommodate your family. The kind of dwelling hardly ever matters. Remember that the structure does not make a house a home; it?s the people that live in it that make the difference.

This is article is brought to you by Gloria Smith at LegalHomeForms.com. Created by a former, licensed Real Estate Agent, LegalHomeForms.com was designed to offer instant access to the most sought after type of real estate forms. For the cost of what others charge for one real estate contract, you can have instant access to over 60 downloadable real estate forms.

Monday, June 1, 2009

Baseball Playoffs...Yankees and No Braves?


October is a beautiful month. The cool crisp days, the changing colors of the leaves, and for sports enthusiasts,...playoff baseball.


When it comes to the playoffs, you could usually count on two things, the Yankees and the Braves. Although neither team tends to stick around very long once the games begin, you could always count on both of these teams being there come playoff time. This year however there is a changing of the guard. When the games begin, the Atlanta Braves will be watching on the sidelines like the rest of us. No Ted Turner, no Tomahawk Chops to annoy you, and no early exit for the Braves in the first round of the playoffs. This is really a good thing.


For almost two decades now, Brave fans have watched their team tear through the regular season, running away with the divison, and winning about 12 titles in a row. This is quite a record and would no doubt stand up there with great sport achievements if it weren't for the fact that except for one year, the Braves have bombed out in the playoffs. Year in, year out, Brave baseball fans have watched their team lose in the early rounds of the playoffs, and have lived with the title of the 'Best Regular Season Team in Baseball'. Sadly, like the Vikings and Bills of the NFL, who each went to the Super Bown four times without a championship, the greatness of the achievements will be lost amidst the fact that when it came to the big dance, they couldn't get it done.


It's really hard for one to fathom how a team like the Braves with great talent year in and year out could not manage to win more than one championship during a long, long run. Even allowing for the unexpected 'hot team' to knock you out every once in a while, you would figure that you would have to win a few along the way. But one? It's one of those rare freak sports things like the National League beating the American Leauge in the All Star game 17 out of 18 games or something like that. The difference in talent between the leagues isn't that great to explain how something like that can occur. No, there's something going on here that defies explanation.


For many years, Red Sox fans lived with the 'Curse of the Bambino' in which they believed they would never win a championship because they traded away Babe Ruth to the dreaded Yankees. This 'curse' seemed all too real for Red Sox fans until finally in 2004 they came back from 3 games down to the Yankees and beat them 4 straight and went on to win the World Series. This turn of events put an end to 'the curse' forever. Cubs fans also feel cursed and for them it lives on. It again reared it's ugly head in the 2004 Playoff's when a fan in left field reached out and snatched a foul ball and possibly a trip to the series away from the Cubs. Wooh to that fan!


Whether there are some supernatural events going on here, or just bad.bad luck, it will be strange not seeing the Braves in the playoffs this year. But Brave fans need to look at it on the brightside; no agonizing this year about which upstart team will knock them out. No wondering whether they'll get through the first round. No, this year they'll be none of that. Now they can sit back with the rest of us and watch the best team money can buy make an early exit. Here's hoping.

About the Author

Bill Thomas lives and works in Seattle, Wa. He is actively engaged in E-Commerce and Internet Marketing. His current websites are--Create Lifetime Residual Income and Financial Freedom on $10 a Month

Sunday, May 31, 2009

History Of Backgammon


Many peoples have played backgammon for many years as it is a very old game. Not too many people, though, know the history of this game but I can assure you a lot of things can be very interesting if you find the time to look it up. And if you are a vivid player this information would probably interest you.


Backgammon is one of the oldest games know to us that is still played today. Historians say that in Europe, it was first played somewhere in Greece but it has it's origins from the Middle East countries of Kuwait and Iraq. Backgammon is almost 5000 years old.


In those times the territory that is now Kuwait and Iraq has been populated by the Sumerians who had a very strong culture. Some of their greatest creations are the wheel and the math system. They are also considered by historians the creators of the first written language.


The Sumerians designed the first version of the backgammon board and also came up with the pieces used for the game. Proof of this invention has been found recently by some historians.


The game was then played only by royal party or nobles but now it is for all social classes and especially for all cultures.


Both the Egyptians and the Romans played the game, but it wasn't called the same in that times. They played the game in the same general purpose only that the boards were different and some of the rules.


Several centuries ago, in some societies backgammon was banned. For example in Japan the game was considered illegal. This can never happen today as the human rights are very important and the game is totally harmless.


In the 1960's the popularity of backgammon had a boost. Very many people from all over the word became interested in this game and started playing it.


Today because of the huge progress of electronics and computers in general we don't have to have a backgammon board to play the game. If you have access to the Internet, then you can play backgammon with the click of a mouse. There also are electronic backgammon games that you can play when on the go, in your car at work or even at home when you don't have somebody to play with.


When you play online you can play with anybody you want to and the best thing is that you don't see your opponent. And of course you gain a lot of experience that you can use when playing with your friends or family or when you participate in competitions.
About the Author