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Car Insurance in New York

2009-11-11T12:50:00.000-08:00

New York Car Insurance is a website dedicated to providing useful and updated information regarding car insurance in New York.If you live in New York and are searching for car insurance. We have the information you are looking for. Even if you already have auto insurance, you can research the latest developments in car insurance laws, insurance companies, or shop for a lower priced insurance provider with our car insurance quotes page.You could be paying hundreds of dollars too much on your car insurance and you'll never know it unless you shop around and get quotes from some of the lowest cost car insurance companies.The state motto of New York is:: "Excelsior... (Ever Upward)."New York car insurance is something you have to be careful with. While the state of New York applies the No-Fault system-meaning that if you are in an accident, your insurance carrier will pay your injury claims regardless of who caused the accident (up to a specified limit), there may be detail variations regarding the no-fault system. To better understand New York car insurance, check with your state insurance regulator for regulations. For the best rates, you can always visit newyorkcarinsurance.com.In New York the task of obtaining car insurance quotes can be daunting when you first start looking for them, but auto insurance is not just an option-it is a legal necessity. Of course, you wouldn't want it any other way. If you are involved in an accident or have your car stolen, owning the right kind of auto insurance can help to ease a difficult situation.Don't shop by price alone. When looking for New York car insurance, you want a company that answers your questions and handles claims fairly and efficiently. There are many sources for finding great rates and service, but one of the easiest and most efficient is the internet. And for the best quotes, newyorkcarinsurance.com is the place you want to go.When it comes to car insurance, the state law for New York requires a minimum coverage of $25,000 for Bodily Injury Liability per injured person. It also requires up to a maximum of $50,000 per accident. The minimum state requirement for Property Damage Liability coverage is $10,000. This type of coverage is generally referred to as 25/50/10 coverage. In New York, however, it's common for consumers to purchase higher amounts of coverage- that will be one of the factors you will have to consider in making your insurance decision.As with any purchase, it's a good idea to shop around. Get at least three price quotes. You can call companies directly or access information on the Internet. Getting quotes from the internet is one of the most convenient methods of researching and obtaining the best deals in car insurance- and you can do it from the convenience of your home!What happens if you don't get car insurance in New York? Law enforcement officers will ask you for proof of insurance at the time of traffic stops or accidents. Insurance companies notify the department of motor vehicles of all policy cancellations, non-renewals, and new policies. If this is the case with you, the law enforcement officer will know it and it could cause you huge fines or worse. Failure to maintain proper insurance could lead to the suspension of your vehicle registration and/or driver license. This can be expensive to the vehicle owner. Be sure that you follow the New York car insurance laws!Although New York car insurance does not require a minimum Personal Injury Protection (PIP), there are advantages to having this type of coverage. For example, if you ever have an accident, PIP will pay for your and your passengers' medical expenses.Another type of optional coverage you can consider getting is Uninsured/ Underinsured Motorist Coverage. This coverage will help pay for any injury resulting from an accident caused by an uninsured driver. You can choose to purchase this added protection, although state law for New York car insurance does not require it.New York car insurance is really not that complicated. While many residents in The Empire State will get their insurance in the traditional way, make sure you compare car insurance rates from multiple companies to get the best rate. You can call each car insurance company directly or you can shop for auto insurance online. Shopping for auto insurance online can be faster and more convenient.- you should consider saving money and going to newyorkcarinsurance.com. New York residents often pay more than they should for their car insurance. Data from the Insurance Information Institute suggests that residents of New York spent an average of around $1083 on insurance premiums in 2006 (the national average was $803). This represents a decrease from 2005, when residents were paying $1125 on average. While decreases in premiums are good, you should be aware that during the previous five years, New York residents had been experiencing yearly increases of nearly 1.4% on average. In general, 2005 was the year when a majority of customers across the nation began to see their premiums decline.newyorkcarinsurance.com and other similar sites have had a huge role to play in sensitizing people about the advantage of technology in comparing rates before buying insurance. You can start saving money for New York car insurance right now by visiting newyorkcarinsurance.com.Good luck

2009-10-31T00:28:00.000-07:00

Often people great success in the Demo Account but Shining (hard) in a real account. You have to be serious at Demos and the Real. Berikut adalah beberapa tips yang kami kumpulkan untuk Anda. Here are some tips that we collect for you. Pastikan anda mengevaluasi diri Anda setelah membaca artikel ini. Make sure you evaluate yourself after reading this article.
Berikut kami rangkumkan tips sukses para trader kawakan dan yang juga telah menjalani profesi Trader(trading for Living). Here are our tips rangkumkan successful and seasoned traders who have undergone professional Trader (trading for Living).
1. Buat perencanaan dan gambaran trading dengan baik. Kriterianya, Anda harus mengetahui kapan : 1. Make a plan and a good picture of trading. Criteria, you need to know when:
* Buka posisi Open positions
* Berapa angka Stop Loss & Take Profit yang 'ideal' How many digits Stop Loss & Take Profit is 'ideal'
* Punya strategi manajemen keuangan (money management). Have a financial management strategy (money management). Hal ini terkait dengan berapa lama Anda bertrading dalam satu bulan, bagaimana tingkat ketahanan account anda terhadap resiko loss, kapan tarik dana, kapan menambah dana, dan alokasi pendapatan untuk tabungan, investasi dan konsumsi. This is related to how long you are trading in a month, how do you account resistance level of risk loss, when the attraction of funds, when adding funds, and allocation of income to savings, investment and consumption.
2. Jadikan trend sebagai sahabat karib Anda ( Trend Follower ). Jangan pernah melawan trend pasar (meski bukan termasuk aturan wajib). 2. Make the trend as your best friend (Trend Follower). Do not fight the market trend (though not including mandatory rules). Jika harga sedang naik, Anda dapat memasang posisi Buy dan sebaliknya jika harga sedang turun maka Anda dapat memasang posisi Sell. Kebanyakan orang sering mengambil sebaliknya ( counter trend ) dan seringkali salah - walaupun ada juga sih yang sering benar :). If prices are rising, you can install Buy position and vice versa when prices are down then you can install Sell position. Most people often take the opposite (counter trend) and often wrong - though there's also often true:).
3. Pertahankan dengan baik & seksama modal Anda. Jangan biarkan modal Anda sampai $0.0. 3. Keep well & your capital carefully. Do not allow your capital to $ 0.0. Jika memang loss, cobalah pertahankan 10 - 50% dari modal Anda, sehingga pada saatnya nanti hendak menambah dana atau injeck, Rupiah atau Dollar yang disetor tidak terlalu besar. If that loss, try to keep 10 to 50% of your capital, so that when the time comes to add funds or injeck, Rupiah or Dollar is deposited not too big. Bayangkan jika Anda harus menambah dana besar untuk trading Forex akibat loss Anda. Imagine if you had to add a large fund for loss due to Forex trading you.
Jika dalam dua tiga kali trading sudah menghabiskan 20 - 40% dari modal akibat loss, berhentilah sejenak. If in two or three trades already spent 20 - 40% of the capital due to loss, stop for a moment. Tahan diri Anda untuk membuka posisi baru. Hold yourself to open new positions. Jangan turuti diri Anda untuk "membalas dendam" atau "ingin balik modal". Do not obey yourself to "get even" or "want return on investment". Coba tenangkan pikiran dan kepala Anda. Try to calm your mind and your head. Susun sistem trading Anda kembali di Demo Account. Arrange your trading system back in the Demo Account. Sisihkan waktu 3 hari - 1 minggu untuk coba sistem trading di Demo Account. Spend time 3 days - 1 week to try trading system in the Demo Account.
Jika sudah mantap, silahkan masuk kembali ke Real Account. If already established, please go back to Real Account.
4. Mengetahui kapan saatnya buang "racun". Istilah racun adalah posisi Buy atau Sell yang telah dibuka yang telah floating(posisi mengambang/belum ditutup) negatif atau posisi minus yang lumayan besar. 4. Knowing when to dispose of "toxic". The term toxic is buy and sell position that has been opened which has a floating (floating position / not closed) a negative or minus position fairly large. Katakanlah jika Buy GBP/USD Anda sudah -150 poin dalam kurun waktu 2 jam, apakah masih layak dipertahankan. Say if Buy GBP / USD you have -150 points in the 2-hour period, is it still worth hanging on. Atau jika posisi AUD/USD sudah minus -100 dalam kurun waktu 20 menit, apakah masih disayang-sayang ??! Or if the position of AUD / USD is minus -100 within 20 minutes, if still loved-baby??!
Ah, nanti kan harga balik lagi. Ah, would not the price back again. Nah, jika harga ndak balik-balik, kita jadi "keracunan" sendiri, baik pikiran dan jasmani. Well, if the price ndak back and forth, we become "poisoned" himself, both mind and body. Kita bisa sakit secara jasmani jika memikirkan posisi yang belum ditutup yang mencapai 200 poin misalnya. We can be physically ill to think of a position that has not closed that reached 200 points for example. Ingat saja, cari uang zaman sekarang agak sulit yah. Just remember, for the money now rather difficult times well. Kalo sudah ndak produktif dalam waktu 2 - 3 jam, yah harus diamputasi/Cut Loss. Kalo is ndak productive within 2 - 3 hours, well to be amputated / Cut Loss. Potong, buang yang sudah membengkak & tidak produktif. Apalagi yang mau melakukan posisi menginap, lebih dari satu hari dengan mengharap profit yang lebih wah dan juga mendapat bunga premium, wajib hukumnya memasang Stop Loss. Cut, remove the already swollen & is not productive. What else would make the position of stay, more than one day with more expected profit well and also get a premium interest rate, put obligatory Stop Loss. Saran kami, jika hendak diteruskan esok hari,pasanglah Stop Loss 200 poin dari titik open posisi Anda. Our advice, if you want to continue the next day, attach Stop Loss 200 points from the point of your open positions. Gunakan saja fasilitas Trailing Stop jika disediakan oleh platform trading. Use Trailing Stop only if the facilities provided by the trading platform.
Rencanakan Stop Loss Anda sedini mungkin. Hari-hari ini, pergerakan harga untuk Euro & Pound mencapai 200 - 400 poin per hari. Stop Loss Plan you as early as possible. These days, the price movement to the Euro & Pound reaches 200 to 400 points per day. Tentukan ideal Modal Awal & Stop Loss Anda dengan situasi seperti itu. Determine ideal Initial Capital & Stop Loss you with a situation like that.
5. Jangan emosi. Jika sudah mencapai target harian atau bulanan, segera keluar dari market. 5. Do not emotion. If you've reached your daily or monthly targets, get out of the market. Jangan serakah. Do not be greedy.
Hindari rasa takut. Avoid the fear. Nah ini terkait dengan tips no.6, be informed. Now it is linked with tips no.6, be informed. Jika sudah mengetahui sejauh mana harga bisa bergerak dengan indikator teknikal & fundamental, jangan mencari penyakit. Jangan ragu untuk memasang Stop Loss atau Trailing Stop untuk membatasi kerugian. If you already know how far prices can move with the technical & fundamental indicators, do not look for the disease. Do not hesitate to put Stop Loss or Trailing Stop to limit losses.
6. 6. Be smart & informed. Bukannya bermaksud mendukung salah satu TV Swasta, melainkan jadilah trader yang pintar. Be smart & informed. Not intended to support one private TV, but be a smart trader. Pintar disini adalah punya dasar kenapa harus Buy dan kenapa harus Sell. Smart here is no basis why should Buy and why must Sell. Artinya, Anda harus meriset pasar secara Fundamental dan Teknikal. That means you must research the market as a Fundamental and Technical. Bukalah Berita harian dari Belajarforex.com atau Forexfactory.com. Sesuaikan tanggal & waktunya dengan waktu dimana Anda berada. Open daily news or Belajarforex.com Forexfactory.com. Adjust date & time to time in which you reside.
7. 7. Segera tulis trading Anda pada sebuah jurnal trading. Buat catatan Laba/Rugi harian Anda. Immediately write your trading on a trading journal. Make a Profit and Loss Your daily. Catat juga sebab-sebabnya, kenapa rugi dan kenapa untung. My Trading Diary ..... Note also the causes, why and why the profit and loss. My Trading Diary .....
8. 8. Saat harga sideways atau sedikit pergerakan, jangan masuk pasar. Intinya jika nurani Anda sendiri ragu-ragu, bagaimana dengan trading forex Anda. When prices move sideways or a little, do not enter the market. Essentially if your own conscience in doubt, what about your forex trading. Ibaratkan saja Account Forex Anda sebagai mobil yang membawa Anda pada profit/keuntungan. URLs have your Forex account as a car that takes you to profit / benefit.
* Tidak berlaku bagi mereka yang memang spesialisasinya di saat market sideways! * Not applicable for those who are specializing in the market sideways!
9. 9. Jangan trading terlalu banyak atau berlebihan. Dalam satu hari, bagi Anda seorang scalper maksimal 10 kali posisi. Do not trading too much or excessive. In one day, you are a scalper for a maximum of 10 times the position. Untuk Anda yang Daytrader baiknya maksimal 2 posisi dan Swing Trader lebih sedikit lagi. To your good Daytrader maximum 2 Swing Trader's position and even less. Ingat, kondisi analisa teknikal & fundamental Forex yang sering berubah-ubah dari waktu ke waktu. Remember, the condition of technical & fundamental analysis Forex frequent change from time to time.
10. Never Give Up. Jangan menyerah.. jangan pernah menyerah. Loss di Demo $5000 dalam waktu 1 bulan, coba lagi dengan dana $1000. 10. Never Give Up. Do not give up .. never give up. Loss of Demo $ 5000 within 1 month, try again with a $ 1000 budget. Loss, masuk lagi dengan dana $3000, dst. Loss, came back with $ 3000 budget, and so on. Temukan sistem trading yang cocok bagi diri Anda. Tujuannya hanya satu : Profit & Konsisten. Find a suitable trading system for yourself. The goal is only one: Profit & Consistent.
good luck

---> Easy Tips To Fast And Efficient Booklet Printing <---

2008-12-22T16:29:00.000-08:00

Booklet printing is used for a variety of commercial purposes. People print booklets to make training manuals, travel guides, program overviews, pamphlets and many other things.

The booklet is nimble, perfect for use in a variety of industries because of its readily distributable nature as well as the ease with which people can read them. Since booklet printing can be done in several different ways you may be daunted as to how to create particular full color booklets for a certain type of task. Do not worry, there are several general guidelines you can adhere to to produce efficient and quality booklets.

Below are 5 easy tips to take in consideration whenprint booklets? Why seven you ask? Well we judged that these are the key guides that encompass all the jobs a booklet has to deliver. It is not as hard to remember as the Ten Commandments. Think of it as the 5 habits of highly effective booklet making that will make your life easier.

( 1 ). Booklet templates. The most efficient way in designing a booklet is by using a template. Templates already have the proper formatting and style which you can use. More often than not, there are several booklet templates out there for the different kinds of booklets that people can create. Booklet printing services can also offer a few booklet templates themselves for you to choose from. Using these templates save time. This frees you from concentrating on the main purpose of the booklet which is the content.

( 2 ). Write concisely and well. A booklet is not a novel. It is a "small book" hence the name right? Try to convey your thoughts clearly with a constant style. You can of course be flowery with your words, but not at the expense of lengthening the booklet. Booklet printing is about having an easily read material for everyone. So write as simple and effective as possible.

( 3 ). Use headings and subheadings. Headings and subheadings are the major markers for a booklet. Don't be afraid to use them. It is actually better for readers to have these headings. This gives them the chance to skip to the information they find most interesting. For a theatrical program for example, some people want directly to read about the cast and characters. You can even try to be memorable and use interesting tag lines as headings.
( 4 ). Use simple easy to read fonts. Some people think it is cute to use different styles but this can affect the readability of the booklet. Use a relatively simple and easy to decipher font for most of the content. Use a theme if possible and be consistent when using it.
( 5 ). Add pictures and graphics. A booklet full of text isn't very fun to look at. Even if it is a training manual, realize that a picture can paint a thousand words. Besides describing something in a booklet why not show it? Use images as well to improve the look and feel of the booklet. Add in dividers or borders. Place "clip arts" if applicable and of course have an eye-catching cover picture.
Those should be the bare basics you should remember when making a booklet. They are a quick reference guide to help you create any kind of booklet you desire. Of course there are other specific things you can do, but these five will lead you to have a decent and respectable booklet ready to print.

---> Coach Over-40 Baseball <---

2008-12-21T18:45:00.000-08:00

>->- 've been called and asked if I would do it more than a coach-40 baseball team. You've been a coach of Little League years and do not have the slightest idea of what a coaching baseball team adult might need to succeed. Here are things to keep in mind while training for older people in the great game of baseball .

Establish a calendar of Practice Baseball
Find a practice field. Find a field to throw some balls around, hopefully for the views of young guys who could make a comment or two .

Try to accommodate the schedules. Establish the practice times after the dinner hour and leave before 8 pm .

Establish practice twice a week until the season starts depending on how experienced your list is serious and how its people about winning. The coach at least 3 weeks of solid practice before the scrimmage games .

Baseball Coach during practice
Paso
Spend the first 20 to 30 minutes of the practice that his players stretch of old bones. Do not allow any player to make any heroics until everyone is really hot. Stretching and follow up with a slow trot. Then throw the ball a little .

Paso
Let your pitcher to warm up slowly by throwing a few receiver. Hit some balls to their outfielders so get some practice in. coach and encourage them in the finer points of the game .

Paso
Turn pitchers for the team batting practice. Take note of their best hitters and examine their batting line-up. Make sure that everyone gets to the practice .

Paso
Teach your team training for signals of touch, stealing and other plays. Make sure everyone knows by the signals through a simulated game a few plays .

Play and baseball coach

Paso
Dar time for warming before every game. Ask your team to arrive at least a half hour before game time .

Paso
Make sure everyone has a chance to play. To give everyone the opportunity to be at bat and in the field .

Paso
be especially aware of fatigue on his players older. That every pitcher to throw a maximum of two tickets and rotate his infielders and outfielders. To give everyone some time .

bank Paso
Keep in mind that baseball is a game and should play as such. Being a baseball coach for top players is a rewarding experience, and with the right attitude, can be fun for everyone.
This article is written byOnline Article Tool.

>->-> Tips stop drinking alcohol <-<-<

2008-12-20T20:04:00.000-08:00

>-< Is it starts to interfere with their relationships, work, or health? Would you prefer to spend their money on trips or family instead of Uncle Bud and Mr. Pabst? Did you ever stop drinking, but need strengthening? Read on .

>-< Tell him you're going to stop drinking, and do not overwhelm .

>-< with ideas as ever. Remember, one day at a time. To help you get in the mindset of taking each day as a small victory, getting a schedule, and every morning, mark an X on that day. This establishes a contract between you and sobriety - when you wake up you saying that drinking is out of the question, then it is already a fact .

>-< people drink for a reason - social anxiety, anxiety or guilt about the past, peer pressure, at the very height of a drink-spouse. Go to the library or bookstore and spend a few hours skimming the psychology and self-help section of reading materials that will help you identify your reasons for drinking to excess. Key words to see: Codependency, anxiety, depression, alcoholism, embarrassment .

>-< Seek the help of a therapist. Attend AA meetings .

>-< This step will be very difficult, but probably necessary: Reduce the time you spend with friends that are big drinkers, or cut out completely. Make a detailed inventory of the people who are in their lives, and ask yourself, "Who makes me happy? Who do I look up to and respect? Who leads me down?" Many of us have more friends who are depressed and do not look for help that we have friends who are treating their depression or who are positive thinkers. Hang out with people with depression who are concerned with their problems by drinking instead of resorting to methods more constructive us down. Being compassionate toward these people, but take care of yourself first.
Remember: The aircraft materials always tell us to put an oxygen mask on ourselves before placing them on children. How can we help anyone if we handicap ourselves ?
Replace drinking with other hobbies and pasttimes. Meet friends for coffee, not beer. Spend that money on supplies for art or entertainment rather than alcohol and enjoy Baja .

>-< in his sobriety. Every morning you wake up without a hangover, take a few minutes and just enjoy that feeling. No headaches, no nausea, no worry about what he did or said the night before. Think about how you are a stronger person because you are in control of yourself. Meditate on this - that will increase their self-esteem .

>-< Ask for help and support from people you trust. Send e-mail them on a weekly basis to inform them that has been done through another week without taking a drink. Be sure to ask them if this is correct, first .

>-< Enjoy the clarity of mind and inner peace that does not reach drinking. Studies show that alcohol - which, remember, is a depressant - increases anxiety and stress, mood disorders perpetuates and causes havoc in your system. Stop drinking, and you will not have to worry about these negative consequences already.

---> Survive The Recession <---

2008-12-19T16:49:00.000-08:00

"In a recession all small business owners need to be alert, keeping a watchful eye on their enterprise.
So what should they be keeping an eye on?
What is most important?
If your answer is "sales" or "turnover" or profit", you are wrong! The most important is "cash".
It could be foolish or illegal to trade without profit but it is impossible to trade without cash.

"As recession starts to bite there will be casualties; weak or vulnerable businesses will go bust.

"Amazingly profitable businesses with robust business models will also go bust; despite their sound business, it will be the lack of cash that pushes them over the edge.

"So how do you increase your profits during a recession? Most small business owners will say "The best way to increase profits is to sell more, do more marketing, make more sales"... "by reducing prices we can win more business".

"Invariably incorrect. This is the method to turn into a busy fool. Do yourself and your family a huge favour! Relax and use 10 minutes playing with the numbers. (or ask an accountant to do this with you). Look at how much additional revenue is generated by a 5% or a 10% price increase. It may be 30 or 40%. Yes, you might lose some business, but overall it's likely your revenue will be higher....., your workload will be reduced.

"Pay attention to the value you offer to your clients/customers, this can be making things handy for them, providing quality, offering excellent customer service - all these services matter to customers much more than just cost.

"So getting back to what matters you need a system to tell you what your position is - to forecast if you are going to run out of it, we are talking of course about the Crosby, Stills and Nash', the 'for mash get smash', the 'Arthur Ashe', the 'bangers and mash', the 'jumping Jack Flash': that's right - cash.
You require some up to date accounts - every week, or at the very least once a month (not once a year) -it's your duty to know what you owe, how much you are owed, how much you have got and how much you are going to need. The accounts will provide you with a snapshot of the financial health of the business and its profitability.
2. Do a cash-flow forecast - think carefully about how often you need this, every quarter/month/week. Failure to do often enough to keep you in control is inexcusable. Your accountant can help you or you can find a book on Amazon, also find or build a simple excel spreadsheet that you can use to track your cashflow.
3. Clarify all terms in your initial contract and on all invoices.
4. Assess new customers for credit worthiness - you can easily check it on the internet - and assess them until they have proved to be reliable.
5. Have a system for invoicing, following-up and collection. Be reasonable but be firm. Speak to your debtors. Listen. Be clear and be determined. It is your money that they owe you. Here's a basic version of the procedure we use:

---> Day 1: Issue invoice as soon as work has been completed

---> Day 7: Phone up to confirm receipt of invoice with the right person; confirm that you can expect the invoice paid on the appropriate date.

---> Day 14: Polite email if no payment received "We are sure that payment is on its way to us but just in case it has been overlooked"

---> Day 20: Phone call "re outstanding payment", asking when it was due to be paid.

---> Day 25: Send a letter outlining the communication to date (including their so-called promises to pay) and explain that you can call within 48 hours to find out how the issue will be resolved

---> Day 27: Phone to confirm payment has/is going to be made and when it can be expected.

---> Day 30: Send letter including the 'Statement of Account' and 'Terms and Conditions' they agreed to and saying what you intend to do next.
The 'what to do next' bit can be difficult. You should weigh up how much the client is worth for you , and how they may respond. You can say you will refer the issue to a lawyer, and a straightforward lawyer letter shouldn't cost much. After that it may be time to threaten Court action, or to issue a statutory demand (the form can be found on some websites and costs free). You might come to a decision that the client is valuable to you, and you would choose to give a little longer. Keep in mind though - that is your money!

"The whole procedure teaches your customer that you mean business and that you are not the supplier to string along. Most of the time, it is the case that if they are allowed to take advantage - they will!
If you are polite and firm, and clarify that you are purely following the process they signed up for, then they'll normally understand.

"If it is a problem, think twice if you want trade with an organisation that doesn't keep its word and tries to keep hold of money that belongs to you!
6. Keep cash on your hand as long as you can. Here is the other side of the coin! You could delay payments owed to your suppliers. Bargain more favorable payment terms & conditions. Understand that not paying suppliers when cash is tight could be a very temporary way out, leading eventually to failure. If something in the business has gone wrong in the beginning eg lack of revenue, there should be information to hand to warn you that.
7. Find yourself a reliable accountant! Often, many small business owners manage to survive without profit and loss, balance sheet and cash flow information on hand. But how long can you be lucky for? Choose your own danger!

---> get mobile unlock codes <---

2008-12-18T22:14:00.000-08:00

>--- Generally mobile phones are unlocked so they can be used on other networks. Otherwise you are restricted to use single GSM network So if you bought a Cingular phone. You could use it on T-Mobile, for example. Here is how you can unlock a phone.
steps 1. Talk to your local cellular sales representative - some companies are happy to unlock a phone if it's from one of their rivals. Also, if you say you are traveling to another country and need to use a local carrier there, they may unlock Mobile phone for you by providing free mobile unlock codes. Many cellular providers will give you the unlock code if you had been a customer of theirs, using the phone you are trying to unlock, for a certain period of time. 2. Check forums dedicated to cell phone unlocking. It's a great resource with a lot of people who are very knowledgeable. Sometimes there are special tools (such as Motorola's RSS software for iDen phones) which can unlock phones from a computer. In some cases, you must e-mail a file from your phone received with said software to a hacker, which can unlock the file and send it back to you. After loading the file back onto your phone, the phone is unlocked.

>--- Although it is always a good idea to let professionals do the work some phones can easily be unlocked. For example DCT3 and DCT4 Nokia phones can be unlocked for free,nokia unlock codesfor various nokia models, the software is widely available on the net. Free unlocking is also possible for old models of Sony Ericsson, Panasonic, Siemens and some other.

>--- If all else fails, deliver to your local mobile phone repair shop. They can try to fix it.

>--- If you purchased the phone through the wireless service provider like T-Mobile, Cingular etc., the Customer Service Representative can provide you detailed information and unlock codes after a few months of service. Travelling out of country on aGSM phone/network is one of the common reasons why you may need to unlock your phone. Without it, you would not be able to use the SIM card from another provider in the new country.

>>>Warning<<<

>--- Attempting to unlock your phone is done at your own risk. Although unlocking your phone is legal, some cell phone operators might choose to void your warranty should you unlock your phone (then again, some cell phone operators won't mind).
Most phones only allow you to try a certain number of unlock tries, Nokia phones have a limit of 5 tries. After that, the phone becomes "hard-locked", meaning it cannot be unlocked without using special equipment.

>--- Most of the newer phones will not work with the codes generated by the free unlock programs.

>---> Keep a Woman Happy <---<

2008-12-17T20:23:00.000-08:00

Relationships between opposite sexes are very complicated, but more so for men. While it is important for both men and women to be happy in a relationship, it's common knowledge that keeping your woman happy enablesyouto live in peace.
It's important to know "how" to keep a woman happy now that you've got her. This is no time to relax or stop trying to please her. Here's some proven good advice on how to accomplish this feat:

---> 1. Do the SMALL things:Show her you appreciate and value her bynottaking her for granted. Acknowledge her role in the relationship by fulfilling your role or "doing your part." Perhaps you can take it upon yourself to . . . I don't know . . . say . . . clean out the gutters? Or something like that.
Always consider her feelings as valid, andnotas over-reactions to issues. Women's moods can change in the blink of an eye, so be in tune with her as much as possible, so that you don't end up suffering verbal or emotional punishment for "not knowing."

---> 2. Find a way to become part of her interests:Even if it's not a particular interest of yours--this will show that you care about what's important to her, and also that you love her so-o-o much, that you're willing to endure that thingjustto be with her. Trust me, she'll find it to be noble, and women love nobility in a man because it shows that you can come out of yourself after all, to show goodwill toward others. It speaks of sensitivity.

---> 3. Family is important:No woman wants to be with a man in a serious way if hedoesn'tget along with her family . . . or friends for that matter. Her parents' opinion of you makes all the difference in the world, especially her mother's. A mother's approval is validation that your girl has made a good choice. Don't be like "Eddie Haskell" from Leave It To Beaver, where it's obvious that you're sucking up and putting on a front, thinking that you're some great smooth talker, who can get on anybody's good side. This leads us right to number four on our list.

---> 4. Be yourself:This is not just some clichï¿½. The most attractive thing to a woman about a man is his ability to just be who he is and nothing more. This says that he's confident, stable and trustworthy, not flaky. A certain arrogance and cockiness comes with this self-assuredness and it shows strength in character, which is important to any lasting relationship.

---> 5. Don't take yourself so seriously:Women appreciate a man who can be funny much more than men appreciate funny women, and it should absolutely be that way. If you can keep her laughing enough, then you've also succeeded in keeping her mood light; therefore, making itharderfor her to just . . . switch gears and bite your head off!
These are really just some common-sense pieces of advice that came from T 'Dub Jackson's theMagic of Making Upsystem. And while you're not trying to make up right now, you definitely want to know how to keep a woman happy so that you don't "have" to make up later. You should check it out and join the league of men who "live in peace" with their significant others!

Make-Up Tips For Women

2008-12-16T18:20:00.000-08:00

Women want to look their best at all times. Skin tints, body and face highlights and concealers are the most popular sought after make-up gears. When applying make-up, the first step is cleansing the face. An exfoliation cream is used to wash off the over night oil residue. This is followed by moisturizing and toning.
The application of make-up begins after the skin is moisturized and toned. A foundation matching the skin tone is applied which is usually of lighter shade than the facial skin. The concealer covers skin blemishes and adds a little color to the other wise pale cheeks. Using loose translucent powder with a brush sets the make-up.

For mature women, this is more effective than compressed powder which accentuates lines and wrinkles. A non-frosted powder under the chin reduces sagging neck line. The shade used is slightly darker than the natural skin tone.

Cream blushes in golden almond and copper tone is gently blended from cheeks to temples to produce a soft transparent effect. Eyes are the most expressive part of the face and highlighting them with make-up is one of the simplest ways to look beautiful. For this purpose kohl pencil, eye liner and eye shadow are normally used.

Eye shadow is the most creative cosmetic. The eye make-up techniques and choice of eye shadow colors should match the color of eyes. Prior to the application of eye shadow, a neutral concealer matching the skin tone of the eyelid is applied and then the lightest eye shadow shade is applied over the entire area from lash line to brow line. This creates a smudge resistant base.

Frosted eye shadow creates a younger look but it has to be applied expertly. Usually for a better appearance which emphasizes and creates depth in eyes, the lightest shade is applied under the brow with the darker shade close to the lashes while the darkest shade is applied on the crease.

Blends of pink and grey eye shadows are normally used by mature women. A soft eye brow pencil, matching the hair color, accentuates the eyes but use of black eye brow pencil should be avoided. For glamorizing eyes for night outings, shimmer highlights are applied.

Eyes look wonderful when the eye lashes are accentuated by mascara. When using mascara, application should commence from the root of the eye lashes and then to be moved towards the tip for better results. For a softer and flattering look, brown mascara does the trick. Lips are another primary facial segment. Special attention is paid to lips while applying make-up. Initially the lips are smoothened before applying lip color.

Foundation is applied and the lips are defined by a lip liner. For thick lips, instead of lip liner a Qtip helps in the application of lip color while thinner lips look fuller with light shades. Soft matte colors in pink, berry, coral or peach make the lips appear luscious.

Make-up procedure changes with the season. During rainy season, light and sheer make-up with water proof mascara, transfer resistant lipstick and water proof foundation avoid the risk of make-up smudging. During winter season, women look more glamorous and polished by using shades such as coffee, chocolate and berry tones for cheeks and smoky shades for the eyes. Gloss and glimmer are used in plenty during the festive winter season.

In summer a dewy fresh face is possible by using the lightest touch of translucent powder and colors such as golden green for eyes with light shades of bronze on cheek bones and chin to provide a sun-tan effect.

'''---_!_!_!< H o w_t o_M e d i t a t e >!_!_!_---'''

2008-12-15T22:15:00.000-08:00

"A simple ten or fifteen minute breathing meditation can help you to overcome your stress and find some inner peace and balance.
"With the hectic pace and demands of modern life, many people feel stressed and over-worked. It often feels like there is just not enough time in the day to get everything done. Our stress and tiredness make us unhappy, impatient and frustrated. It can even affect our health. We are often so busy we feel there is no time to stop and meditate! But meditation actually gives you more time by making your mind calmer and more focused. A simple ten or fifteen minute breathing meditation as explained below can helpyou to overcome your stress and find some inner peace and balance.
"Meditation can also help us to understand our own mind. We can learn how to transform our mind from negative to positive, from disturbed to peaceful, from unhappy to happy. Overcoming negative minds and cultivating constructive thoughts is the purpose of the transforming meditations found in the Buddhist tradition. This is a profound spiritual practice you can enjoy throughout the day, not just while seated in meditation.
"On this website you can learn the basics of Buddhist meditation. A few books are mentioned that will help you to deepen your understanding if you wish to explore further. Anyone can benefit from the meditations given here, Buddhist or not. We hope that you find this website useful and that you learn to enjoy the inner peace that comes from meditation.

Communication tips for parents

2008-12-14T21:08:00.000-08:00

<<0>> be available for your children
>-- notice times when your kids are most likely to talk--for example, at bedtime, before dinner, in the car--and be available.
>-- start the conversation; it lets your kids know you care about what's happening in their lives.
>-- find time each week for a one-on-one activity with each child, and avoid scheduling other activities during that time.
>-- learn about your childen's interests--for example, favorite music and activities--and show interest in them.
>-- initiate conversations by sharing what you have been thinking about rather than begining a conversation with a question.

<<0>> lets your kids know you're listening
>-- when your children are talking about concerns, stop whatever you are doing and listen.
>-- express interest in what they are saying with out being intrusive.
>-- listen to their point of view, even if it's difficult to hear.
>-- let them complete their poin before you respond.
>-- repeat what you heard them say to ensure that you understand them correctly.

<<0>> respond in a way your children will hear
>-- soften strong reactions; kids will tune you out if you appearagry or defensive.
>-- express your opinion with out putting down theirs; acknow ledge that it's okay to disagree.
>-- resist arguing about who is right. Instead say, "i know you disagree with me, but this is what, think."
>--focus on your child's feelings rather than your own during your conversation.

<<0>> remember
>-- ask your children what they may want or need from you in a conversation, such as advice, simply listening, help in dealing with feelings, or help solving a problem.
>-- kids learn by imitating, Most often, they will follow your lead in how they deal with anger, solve problems, and work through difficult feelings.
>-- talk to your children--don't lecture, criticize, threaten, or say hurtful things.
>-- kids learn from their own choices. As long as the consequences are not dangerous, don't fell you have to step in.
>-- realize your children may test you by telling you a small part of what is bothering them, listen carefully to what they say, encourage them to talk, and they may share the rest of the story.

<<0>> parenting is hard work
>-- listening and talking is the key to a healthy connection between you and your children. But parenting is hard work and maintaining a good connection with teens can be challenginng, especially since parents are dealing with many other pressures. If you having problems over an extended period of time, you might want to consider consulting with a mental health professional to find out how they can help.

Cinderella the Beautiful girl

2008-12-13T18:31:00.000-08:00

Cinderella had no father or mother. She lived with her aunt who had two ugly daughters. The aunt and her daughters didn't like Cinderella because she was very beautiful. Cinderella did all the work in the house and stayed in the kitchen all day she cooked, washed the dishes and looked after the fire. She had only one dirty dress and wore it all the time. She was very unhappy.
One day the king was looking for the most beautiful girl in the land for his son, the price, to marry. She would become a princess. The king asked all the ladies in the land to come to a great dance. On the night of the dance the prince would choose his wife.
The two ugly sisters wanted to go. They wanted to marry the prince. cinderella wanted to go too, but her aunt and the ugly sisters laughed and said, ' you can't go.
On the night of the dance, after her aunt and the ugly sisters had gone to the dance, poor cinderella cried.
Suddenly cinderella saw a little old lady. She said, 'don't cry, cinderella. You shall go to the dance. I will help you. She waved her wand. Suddenly cinderella was wearing a beautiful dress and glass shoes. She looked beautiful. Then the old lady waved her wand at a pumpkin and some mice. The pumpkin became a coach and the mice became the coachmen and horses. 'now get into the coach', said the little old lady,' and go to the dance. But remember! You must be home before twelve o'clock.'
she looked radiant and the prince danced with her all the time. Suddenly she ran outside when she heard the block striking twelve. The coach was not there and poor cinderella walked home and started work again. She was very unhappy.
The prince looked for cinderella and found one of her glass shoes. 'if anyone can wear this small shoe,' he said,' she must be the beautiful lady and i will marry her.
Every girl tried the shoe. The ugly sisters tried too, but their feet were big and the shoe was small. 'let cinderella try,' said one of the men. Cinderella put the shoe on easily. So the prince married her and they lived happily ever arter.

this Tips for Life

2008-12-12T20:44:00.000-08:00

ONE. Give people more than they expect and do it cheerfully.
TWO. Marry a man/woman you love to talk to. As you get older, their
conversational skills will be as important as any other.
THREE. Don't believe all you hear, spend all you have or sleep all you want.
FOUR. When you say, "I love you," mean it.
FIVE. When you say, "I'm sorry," look the person in the eye.
SIX. Be engaged at least six months before you get married.
SEVEN. Believe in love at first sight.
EIGHT. Never laugh at anyone's dream. People who don't have dreams
don't have much.
NINE. Love deeply and passionately. You might get hurt but it's the only
way to live life completely.
TEN. In disagreements, fight fairly. No name calling.
ELEVEN. Don't judge people by their relatives.
TWELVE. Talk slowly but think quickly.
THIRTEEN. When someone asks you a question you don't want to answer,
smile and ask, "Why do you want to know?"
FOURTEEN. Remember that great love and great achievements involve
great risk.
FIFTEEN. Say "bless you" when you hear someone sneeze.
SIXTEEN. When you lose, don't lose the lesson .
SEVENTEEN. Remember the three R's: Respect for self; Respect for others;
and responsibility for all your actions.
EIGHTEEN. Don't let a little dispute injure a great friendship.
NINETEEN. When you realize you've made a mistake, take immediate steps
to correct it.
TWENTY. Smile when picking up the phone. The caller will hear it in your
voice.
TWENTY-ONE. Spend some time alone.

Janjinya Yulaika Damayanti Ke Rendra

2004-02-24T23:34:00.000-08:00

JANJI YULAIKA DAMAYANTI RENDRA

karena janji itu aku berharap jika janji itu diingkari, aku berharap janji itu akan terjadi

apabila meninggalkan rendra maka yulaika tidak akan merasakan surga sedikitpun

dan merasakan pedihnya neraka selamanya. dan aku berharap hidupnya di dunia juga tidak pernah tenang. amin..

- walaupun kita berjanji tanpa nama Allah tapi cubalah untuk tunaikan walaupun kita perlu berkorban. Tentang halangan yg wujud, klu kita dh cuba sedaya upaya tapi tak mampu jgk yg selebihnya serahlah kepada Allah. Cuma kita sentiasa perlu beringat bahawa mungkiri janji adalah salah satu sifat2 org munafik...

- jika berjanji, kita perlulah tunaikan... jangan mengkhinati janji kerana itu adalah sifat orang munafik...

kata kata dari http://www.iluvislam.com/

Menepati Janji

Janji memang ringan diucapkan namun berat untuk ditunaikan. Betapa banyak orangtua yang mudah mengobral janji kepada anaknya tapi tak pernah menunaikannya. Betapa banyak orang yang dengan entengnya berjanji untuk bertemu namun tak pernah menepatinya. Dan betapa banyak pula orang yang berhutang namun menyelisihi janjinya. Bahkan meminta udzur pun tidak. Padahal, Rasulullah telah banyak memberikan teladan dalam hal ini termasuk larangan keras menciderai janji dengan orang-orang kafir

Perintah untuk menepati janji

1. Allah Subhanahu wa Ta’ala berfirman dalam QS: An-Nahl: 91

ِ اللهِ إِذَا عَاهَدْتُمْ وَلاَ تَنْقُضُوا اْلأَيْمَانَ بَعْدَ تَوْكِيْدِهَا وَأَوْفُوا بِعَهْدِ...

“Dan tepatilah perjanjian dengan Allah apabila kamu berjanji dan janganlah kamu membatalkan sumpah-sumpah itu sesudah meneguhkannya….”

2. Allah Subhanahu wa Ta’ala juga berfirman dalam QS: Al-Isra`: 34

الْعَهْدَ كَانَ مَسْئُوْلا وَأَوْفُوا بِالْعَهْدِ إِنَّ

“Dan penuhilah janji, sesungguhnya janji itu pasti dimintai pertanggungjawabannya.”

Demikianlah perintah Allah Subhanahu wa Ta’ala kepada hamba-hamba-Nya yang beriman untuk senantiasa menjaga, memelihara, dan melaksanakan janjinya. Hal ini mencakup janji seorang hamba kepada Allah Subhanahu wa Ta’ala, janji hamba dengan hamba, dan janji atas dirinya sendiri seperti nadzar. Masuk pula dalam hal ini apa yang telah dijadikan sebagai persyaratan dalam akad pernikahan, akad jual beli, perdamaian, gencatan senjata, dan semisalnya.

Larangan ingkar janji

1. Ingkar Janji adalah tanda kemunafikan

Menepati janji adalah bagian dari iman. Barangsiapa yang tidak menjaga perjanjiannya maka tidak ada agama baginya. Maka seperti itu pula ingkar janji, termasuk tanda kemunafikan dan bukti atas adanya makar yang jelek serta rusaknya hati.

ائْتُمِنَ خَانَ آيَةُ الْمُنَافِقِ ثَلاَثٌ: إِذَا حَدَّثَ كَذَبَ وَإِذَا وَعَدَ أَخْلَفَ وَإِذَا

“Tanda-tanda munafik ada tiga; apabila berbicara dusta, apabila berjanji mengingkari, dan apabila dipercaya khianat.” (HR. Muslim, Kitabul Iman, Bab Khishalul Munafiq no. 107 dari jalan Abu Hurairah radhiyallahu ‘anhu)

2. Dilarang mengingkari perjanjian dengan orang kafir

Allah Subhanahu wa Ta’ala berfirman:

يَنْقُصُوْكُمْ شَيْئًا وَلَمْ يُظَاهِرُوا عَلَيْكُمْ أَحَدًا فَأَتِمُّوالَيْهِمْ عَهْدَهُمْ إِلَى مُدَّتِهِمْ إِلاَّ الَّذِيْنَ عَاهَدْتُمْ مِنَ الْمُشْرِكِيْنَ ثُمَّ لَمْ إِ

إِنَّ اللهَ يُحِبُّ الْمُتَّقِيْنَ

“Kecuali orang-orang musyrikin yang kamu telah mengadakan perjanjian (dengan mereka) dan mereka tidak mengurangi sesuatu pun (dari isi perjanjian)mu dan tidak (pula) mereka membantu seseorang yang memusuhi kamu, maka terhadap mereka penuhilah janjinya sampai batas waktunya. Sesungguhnya Allah menyukai orang-orang yang bertakwa.” (At-Taubah: 4)

3. Larangan mengemplang Hutang dan mengingkari nadzar
Di antara bentuk menunaikan janji adalah membayar hutang apabila jatuh temponya dan tiba waktu yang telah ditentukan. Nabi Shallallahu ‘alaihi wa sallam bersabda: مَن أَخَذَ أَمْوَالَ النَّاسِ يُرِيْدُ أَدَاءَهَا أَدَّى اللهُ عَنْهُ، وَمَنْ أَخَذَهَا يُرِيْدُ إِتْلاَفَهَا أَتْلَفَهُ اللهُ

“Barangsiapa yang mengambil harta manusia dalam keadaan ingin menunaikannya niscaya Allah akan (memudahkan untuk) menunaikannya. Dan barangsiapa mengambilnya dalam keadaan ingin merusaknya, niscaya Allah akan melenyapkannya.” (HR. Ahmad, Al-Bukhari dan Ibnu Majah dari Abu Hurairah radhiyallahu ‘anhu, lihat Faidhul Qadir, 6/54)
Adapun menunaikan nadzar, maka Allah Subhanahu wa Ta’ala berfirman:

يُوْفُوْنَ بِالنَّذْرِ وَيَخَافُوْنَ يَوْمًا كَانَ شَرُّهُ مُسْتَطِيْرًا
“Mereka menunaikan nadzar dan takut akan suatu hari yang adzabnya merata di mana-mana.” (Al-Insan: 7)

4. Larangan Ingkar Janji terhadap Anak Kecil
Sikap mengingkari janji terhadap siapapun tidak dibenarkan agama Islam, meskipun terhadap anak kecil. Jika ini yang terjadi, disadari atau tidak, kita telah mengajarkan kejelekan dan menanamkan pada diri mereka perangai yang tercela.
Al-Imam Abu Dawud rahimahullahu telah meriwayatkan hadits dari shahabat Abdullah bin ‘Amir radhiyallahu 'anhuma dia berkata: “Pada suatu hari ketika Rasulullah Shallallahu ‘alaihi wa sallam duduk di tengah-tengah kami, (tiba-tiba) ibuku memanggilku dengan mengatakan: ‘Hai kemari, aku akan beri kamu sesuatu!’ Rasulullah Shallallahu ‘alaihi wa sallam mengatakan kepada ibuku: ‘Apa yang akan kamu berikan kepadanya?’ Ibuku menjawab: ‘Kurma.’ Lalu Rasulullah Shallallahu ‘alaihi wa sallam bersabda: أَمَا إِنَّكِ لَوْ لَمْ تُعْطِهِ شَيْئًا كُتِبَتْ عَلَيْكِ كِذْبَةٌ
“Ketahuilah, seandainya kamu tidak memberinya sesuatu maka ditulis bagimu kedustaan.” (HR. Abu Dawud bab At-Tasydid fil Kadzib no. 498, lihat Ash-Shahihah no. 748)
Di dalam hadits ini ada faedah bahwa apa yang biasa diucapkan oleh manusia untuk anak-anak kecil ketika menangis seperti kalimat janji yang tidak ditepati atau menakut-nakuti dengan sesuatu yang tidak ada adalah diharamkan. (‘Aunul Ma’bud, 13/ 229)
Abdullah bin Mas’ud radhiyallahu ‘anhu berkata:

لاَ يَصْلُحُ الْكَذِبُ فِي جِدٍّوَلاَ هَزْلٍ، وَلاَ أَنْ يَعِدَ أَحَدُكُمْوَلَدَهُ شَيْئًا ثُمَّ لاَ يُنْجِزُ لَهُ

“Kedustaan tidak dibolehkan baik serius atau main-main, dan tidak boleh salah seorang kalian menjanjikan anaknya dengan sesuatu lalu tidak menepatinya.” (Shahih Al-Adabul Mufrad no. 300)

5. Larangan Menunaikan Janji Yang Maksiat
Adapun jika seorang memberikan janji dengan suatu kemaksiatan atau kemudaratan, atau mengikat perjanjian yang mengandung bentuk kejelekan dan permusuhan, maka menepati janji pada perkara-perkara ini bukanlah sifat orang-orang yang beriman, dan wajib untuk tidak menunaikannya. Nabi Shallallahu ‘alaihi wa sallam bersabda:
لاَ وَفَاءَ لِنَذْرٍ فِيمَعْصِيَةِ اللهِ

“Tidak boleh menepati nadzar dalam maksiat kepada Allah.” (HR. Ahmad dari sahabat Jabir radhiyallahu ‘anhu, lihat Shahihul Jami’ no. 7574)

Surga Firdaus bagi yang Menepati Janji

Tidak akan masuk surga kecuali jiwa yang beriman lagi bersih. Dan surga bertingkat-tingkat keutamaannya, sedangkan yang tertinggi adalah Firdaus. Darinya memancar sungai-sungai yang ada dalam surga dan di atasnya adalah ‘Arsy Ar-Rahman. Tempat kemuliaan yang besar ini diperuntukkan bagi orang-orang yang memiliki sifat-sifat yang baik, di antaranya adalah menepati janji. Allah Subhanahu wa Ta’ala berfirman:
وَالَّذِيْنَ هُمْ لِأَمَانَاتِهِمْ وَعَهْدِهِمْ رَاعُوْنَ
“Dan orang-orang yang memelihara amanat-amanat (yang dipikulnya) dan janjinya.” (Al-Mu`minun: 8)
Nabi Shallallahu ‘alaihi wa sallam bersabda (yang artinya): “Jagalah enam perkara dari kalian niscaya aku jamin bagi kalian surga; jujurlah bila berbicara, tepatilah jika berjanji, tunaikanlah apabila kalian diberi amanah, jagalah kemaluan, tundukkanlah pandangan dan tahanlah tangan-tangan kalian (dari sesuatu yang dilarang).” (HR. Ahmad, Ibnu Hibban, Al-Hakim dan Al-Baihaqi dalam Syu’abul Iman, lihat Ash-Shahihah no. 1470)

Tulisan ini disarikan dari tulisan: Al-Ustadz Abu Muhammad AbdulMu’thi, Lc.,