Friday, July 23, 2010

CAR INSURANCE

Are you trying to buy car insurance for the first time? It can be confusing and frustrating. How are the premiums determined? Where do you get insurance? Can you get insurance before getting your first car? Can you buy it with the car?

Here are the answers to your questions.

Factors in Determining Premiums

Car insurance companies base their premiums on 4 factors:

Who is the Driver Being Insured Basically, the insurance company is looking to see how likely it is that the driver will file a claim. The insurance industry has collected a lot of data and determined some statistical models that they use to determine their risk. The types of information that they will want to know about the driver are:
How old is the driver? Generally, very young or very old drivers are more risky.
How long have they been driving? Generally, the longer you have driven, the less risky you are. More practice makes it more likely that you will drive safely.
What is their driving record? Drivers that get tickets and have accidents will be more risky.
What is their marital status? Married folks statistically have less accidents
How many miles total will driven in next year? The less you drive, the less likely you are to be in an accident.
Type of vehicle being insured. Basically, the more conservative / safer cars have lower premiums because they are more protective of the driver and passengers. This keeps the medical, and other, costs down when an accident occurs.. Also, older cars have less value so they also have lower premiums

Where do you live? Every minute that your car is on the road, there is a chance that it could be involved in an accident. Two things determine how high this chance is for your car: how many miles you drive and the number of other cars that you could encounter. The miles you drive has already been answered as part of the driver information. The congestion number is determined by where your car is driven - where you live. Places with higher traffic have a higher number of accidents and this causes higher premiums.

Insurance company. Each insurance company has a book of business. The company needs to charge enough in premiums to cover their costs of claims and their overhead. If the company is running their business well, then they can charge less as premiums and still stay in business. A larger company can also balance the costs of one kind of insurance by the profits from a different kind of insurance. Since the companies are always adjusting their business, it makes sense to shop for new insurance occasionally to find out if your premium is still as cheap as you want it to be. If it is your first time getting car insurance, you can lower the premiums by doing the following:
Start on your parents policy. Your parents are likely to have a preferred plan, which is cheaper than standard or high risk insurance that a young person will be forced to buy on their own.
Keep a clean driving record
Check for good student discounts
Drive a conservative and/or older car
Buy only the minimum required coverage

Gold.

Adoption

The first thing you need to know and believe is that adoption is possible. This must be a strong belief because adoption is a process. It can seem complicated, time consuming and frustrating. Although each year the process becomes a little bit easier because of the many resources available to help prospective adoptive parents learn about adoption.

You will hear many horror stories and myths like adopted children are troubled. There is absolutely no truth that adopted children have more problems than birth children. Parenting is more about bonding, love and trust than about biology. In fact some parents who adopt a child may be more successful than parents that are able to have biological children. This is due to the fact that the adopted parents have made a decision to bring a child into their life which is not always the case with biological families. Also, biological parents may have children for the wrong reasons. They may have children to continue the family name or to please members of the family. This is where life can be unfair.

An adoptive couple must go through a process and be screened to see if they will be good parents. This can cause frustration to many adoptive parents as their whole life is scrutinized to see if they will be approved to adopt a child. Meanwhile there are no requirements for biological parents before they become parents. In fact the unfairness of it all can be boiled down to one question that is asked of the adopted parents. Why do you want to become parents? Most adoption agencies want to hear from prospective adoptive parents that their main reason for wanting a child is a general liking of children. Meanwhile the answers that come from biological parents range from: I don't know, a general liking of children, to continue the family name, or to please other people in the family.

The process of adoption gives adoptive parents time to consider why they want children. This is another difference between biological parents and adoptive parents. There is no doubt that adopting a child will bring different stresses than parents who have the opportunity to form families by birth, but the extra stresses do not mean extra problems.

The process begins with asking questions. What is important to you when thinking about adopting a child? Do you want a boy or a girl? Do you want an infant or an older child? Would you consider a special needs child? Do you realize some of the difficulties that may arise when raising a child? Then you must also consider your lifestyle now and how a child will fit into that lifestyle. Couples who have waited a long time to have a child may have formed friendships with other couples who do not have children. They must realize that their entire life will change as their child will have to come first. This will definitely be a new experience. There will be times when it is convenient to have a child and other times when it is not so convenient. .

Let's say that you have now have answered these questions and want to go forward and adopt a child. The next question is to find out what your options are. At this point you would need to read about adoption in general. You would need to find out what types of children are available to adopt and what are the different ways you could adopt. Some of the options are support groups, state adoption specialists, and information packets from the state that you live in. Once you have contacted an agency to help the first thing that will happen is a home study. A home study consists of gathering information about the prospective adoptive couple including educating the couple, preparing them for adoption, and interviewing the couple. This process can take from 2 months to 10 months, depending upon the particular agency. This is due to different training requirements and waiting lists for individual agencies. It is important to study the requirements for your state because that will determine the requirements that all adoptive parents must meet before being considered as adoptive parents.

As soon as the home study is finished it is time to start the placement process. At this time a child will be chosen who may fit in with the family. The time it will take to adopt a child at this point will of course vary. This depends on the type of adoption that is being considered. For example, a private adoption will require a lawyer. If an agency is being used the family may be one of many families that is picked by the expectant parents. Then there is a foster care adoption. This type of adoption gives the family information about a number of children who are waiting for a good home. It may also provide an opportunity to get to know the child before they are placed with a family because these children are allowed to receive visits from prospective parents. Also, if a child is taken into the home as a foster child, generally the family will be able to adopt the child once the child is available for adoption. Finally, there is international adoption. At this point the family may receive a referral. A referral is a child that is waiting to be adopted internationally. The referral will contain information about the child and give the prospective parents a chance to learn about one specific child. Generally, the parents are asked to read the information and wait 24 hours before making a decision. Also, all adoptions must be finalized in court.

The last and most important step is when a child is adopted. Now the work and rewards begin. It is time to parent the child. Many families may need support during the first year. It can take 6 months to a year for a child to become comfortable in a new home. Many times adopted children are passed from one home to another and have no security in their lives. Generally all of these children will go through two stages. The first is the honeymoon phase where the children do not seem to present many problems. The second is the testing phase where children will do things to anger the parents to see if they will be rejected once again. Slowly, the family will become more cohesive. The children will relax and be able to let their guard down and become children. Then, one day out of the blue the child will express his love to the parents and that is when the rewards really begin.

Gold

Tuesday, July 20, 2010

BANKRUPTCY


It is really scary to find yourself in financial emergency, but possibility of bankruptcy can be scarier for people. But as per the experts, bankruptcy is not something to be scared about. Bankruptcy information plays an important role in order to educate people and eliminate the myths attached with this financial service. Experts found very interesting fact about the people, debtors feel ashamed while asking too many questions about the procedure. And as a result, they don't have courage to enjoy benefits of this financial services provided by government.

It is very important to have correct information of bankruptcy because this financial step can change the life of individual or business forever. The first information about the process is that the court never asks sn individual or business to file bankruptcy. Everybody is free to make the decision. By filing a simple petition debtor informs court that he/she is filing for bankruptcy process. This simple petition form helps court to check the credit history of debtors, also helpful to list the number of creditors and outstanding total debts. People can hire a bankruptcy attorney in order to get complete detail. Many debtors do not hire these professionals because it can make the procedure more costly for them.

Debtors do not need to acquire complete information about the bankruptcy, because it can create more confusion. One biggest misconception about the process is, all possessions or repossessed are taken by the court. Individual should be clear about the situation and results, so that he/she can apply for the bankruptcy chapters accordingly.

If you are thinking of filing for insolvency then I am sure you are not completely aware about the complete bankruptcy information. In this article I'm going to provide complete bankruptcy information and then you can decide whether to go for insolvency or not.

Bankruptcy is just like any law suit. You go to the court of law and make the judge believe that you have no money to pay to the creditor and you require relief. The judge accepts your plea and you get freedom from all liability issues in one go. The advantage is that you get complete relief from liability without paying a penny.

The advantages may seem very favorable to any debtor but one should know that with such great advantage come huge consequences. Firstly the credit rating of an insolvency filer gets negatively affected. It is so negatively affected that creditor feel uncomfortable in providing a loan to such a person in future. Even if they get the guts to provide loan they ask for higher interest rates and deposits and give very less time to repay the loan amount.

Another disadvantage of filing bankruptcy is that now day's employers are reviewing credit reports before providing employment. Employers hesitate in providing jobs to a bankruptcy filer and even if they do, they try to get extra work out of him and pay him less money. They try to exploit his financial situation.

If you have no money left or a small chunk of money to pay back to the creditors then you can solve your liability issues through liability settlement. Liability settlement is a process through which one can eliminate about 60 to 70% of the loan amount by negotiating with their creditors. The creditors even award the debtor with more time to repay the loan amount and they even discount the rate of interest charged on the remaining loan amount.

Both the debtors and the creditors support this method as debtors get complete freedom from liability amount by paying a small percentage of the original loan amount and creditors get back some part of the money back which they do not get if the debtor files bankruptcy. Although the credit rating of the debtor gets negatively affected by the usage of liability settlement method but creditors do not hesitate in providing loan to this kind of person as he at least made the effort of paying some part of the money back.

Those who do not have complete bankruptcy information or are only aware of the advantages of insolvency, use this method other wise debtors mostly choose liability settlement.

Getting out of debt through a debt settlement process is currently very popular but you need to know where to locate the best performing programs in order to get the best deals. To compare debt settlement companies it would be wise to visit a free debt relief network which will locate the best performing companies in your area for free.


Gold

Monday, July 19, 2010

SAMMIE OKPOSO in Trouble!!!!!!!!!!!!


A GOSPEL star from Africa has appeared in court in Aberdeen charged with making racist comments while on honeymoon in the Granite City. Sammie Okposo, who has won awards for Best Gospel Act in Africa and Best Gospel Artist of the Year, appeared from custody at Aberdeen Sheriff Court.

The 31-year-old gospel singer was alleged to have acted in a racially aggravated manner at Jimmy Chung’s on Aberdeen’s Beach Esplanade on Wednesday. Okposo was alleged to have caused alarm or distress to Ronny Shui Hung Yung by shouting, swearing and uttering racial remarks at the Aberdeen restaurant.

The African gospel singer denied the charge.

Defence agent Mike Munro said gospel star Okposo had been in Aberdeen with his new wife on honeymoon at the time of the alleged offence.

Okposo, whose address was listed in court as 50 Tafawa Balewa Street, Lagos, Nigeria, was released on bail.
He is expected to return to Aberdeen Sheriff Court in September. Let's see how he would work this one out.

Gold

Saturday, July 17, 2010

The IMPORTANCE of BUSINESS CONTINUITY PLANNING


As this is a world that moves so fast with the business pace... So many questions and answers are to be considered.:

What is business continuity planning? BCP, as it's often called, and its close cousin, disaster recovery, is the kind of thing you hope you never need to use. But when you need it, you really need it.

Here's one way of looking at business continuity planning. You're the owner or director of a business, and everything's ticking along nicely. Turnover is steadily increasing, all (or most) clients are happily praising you to the skies, and all your crucial information assets are safely parked on a server somewhere in the depths of the IT department.

Then disaster strikes! It could be a serious fire, a prolonged power cut, pandemic flu picking off all your employees, or just the traditional massive loss of data after a hard disk crash. (And you did back it up, didn't you?)

Suddenly your business is in trouble!

One of the managers shows commendable initiative and tracks down the BCP, somewhere at the back of the stationery cupboard. Together all the employees who've managed to make it into work that morning gather around the plan, and blow dust and dead flies off it. With trembling hands the manager opens it to reveal... a page of ten-year-old telephone numbers.

Now what?

This is where you need to have invested in business continuity consulting long before BCP became an issue. Together with a disaster recovery plan for getting your ICT systems up and running as fast as possible, a business continuity plan will specify all the steps needed to get a minimum level of business functionality off the ground, as soon as possible after an adverse event. Specialist consultants will help to put a plan together that is specific to your business, and as detailed as you need it to be.

But it's not enough just to have a plan (hopefully not sitting at the back of the stationery cupboard!). The business continuity plan must also be regularly tested and updated, so that all employees are familiar with their duties, and all details are in line with the current situation. This means regular review to update contact details, building layout, etc. It also means occasional live tests, when a disaster is simulated and employees practice their roles. Quite often an apparently flawless business continuity plan will prove to be seriously defective when tested!

Part of your business continuity planning will be the safeguarding of your information assets. Your business would probably be completely unable to function without its vital information assets. This is where specialist information security consultants can help. But it's very important that the plan is fully "owned" by your business, and regularly tested and updated. Without the full engagement of all employees, even the best disaster recovery or business continuity plan will be no more than an expensive shelf lining.

Gold

Friday, July 16, 2010

3 STEPS TO CREATE A WEBSITE AND START MAKING MONEY

STEP 1 - Purchase a domain name

A domain name is the unique name that identifies an internet website. (e.g., google.com, amazon.com). As the internet grows, getting the perfect domain name to represent your business may require some creativity. Most, if not all, of the more common names are already taken. You can visit sites such as godaddy.com or netsol.com to see if the domain name you wish to use is available. You can also purchase your domain name from these domain registrars or, if you've hired a web designer to assist in the creation of your site, they can purchase the domain name on your behalf.

A domain name can typically cost between $7 and $40 for a one year registration. Once you register a domain name and continue to renew it each year, no one can use that domain name except YOU!

STEP 2 - Create a web site

Do-It-Yourself - There are many web sites out there that offer services that allow you to create your own web site online. For those of you that have no web design experience, this can be a great place to start. Costs can run from $15.00 a month and up, depending on the features you are provided.

Hire a web designer - If you do not have the time or the inclination to invest in a do-it-yourself web site, you may wish to consider hiring a web designer. While typically more costly than a do-it-yourself web site, a professional web designer can create a custom web site for your business. A professional web designer can also guide you in terms of the "look" for your web site as well as the content. Having the right content (text) on your web site is very important if you wish to appear in the popular search engines such as Google, Yahoo and Bing.

So, if cost is your major concern when creating a web site, a do-it-yourself service may be the best choice. Otherwise, consider speaking to a web designer about your site requirements, the services they offer and how they may be able to work within your budget.

NOTE: If you are considering an e-commerce site (selling your products or services on the internet) there are other factors to consider including site maintenance and credit card processing.

STEP 3 - Select a web hosting service

A web hosting service stores your information (web files) on a server (computer), allowing it to be seen by the world on the internet.

Pricing for web hosting varies and depends on the features offered by the web hosting service. Monthly costs for hosting can be $5.00 and up. Questions to ask your web host provider (or web designer if they provide web hosting services) include: How much web space am I allowed? How many email accounts are included? What statistics are available about my web site once it goes live? Am I under a contract or can I cancel my web hosting plan at any time?

GOLD

Thursday, July 15, 2010

Another importance of SMS.

Many wonder, why things are getting harder in marriages. Well this is a yardstick for having full information about ones partners.

Between men, jokes about cheating are unfortunately quite common and accepted. I know that the moment a woman comes into the room, the jokes will be interrupted and another type of "man talk" will replace it, such as football talk.

However, having come from a family where my father cheated on my mother, I know the sad truth behind those jokes. For every 10 men that laugh out loud, there is 1 man to whom those jokes bring memories of sadness and pain.

It's been several, and even though at times I fantasized about facing, hitting, or stop talking to my father, I've eventually learned to forgive him and let him live his last years in peace (I'm pretty sure that the time I didn't speak to him was considered a punishment by him). Nevertheless, I do know how painful cheating can be and how far its consequences can go (the "nothing will happen" mentality is such a myth).

That's why I support all types of SMS text spy applications when they are used to stop or catch cheaters. And yes, I know that some women cheat as well, but for better or for worse, my personal experience has focused me on stopping cheating husbands.

My favorite SMS text spy application is mobile spy software. This is a type of software that can be installed on a mobile phone and allows you to monitor how it is used. This software offers several features, but the most efficient one is its SMS text spy feature, since it allows you to read every text message that your husband sends or receives. I find it more useful for anti-cheating purposes than call identification. After all, a number alone doesn't tell you much, other that your husband spoke with that person. What he texts her, on the other hand, can tell you much, starting with the level of familiarity alone.

Then there's another factor. A person that cheats doesn't like to speak a lot. Why? Because the call may arrive at a time where it can be inconvenient (for the cheater, or course). In those cases, he can't just say "hey, I'm with my wife, I'll call you back," can he? But he can silently send a text message saying that.

With a SMS text spy feature, you can read these messages as clear as if you were listening to them. But what if the husband erases them? No problem, SMS text spy applications let you read the messages even if erased, so for once, the fear is on him, not you.


Gold.

ADOBE PHOTOSHOP; The BASICS

Adobe Photoshop 7.0: the basics
Contents
Introduction ....................................................................................... 4
Lesson 1: Scanning, saving and set-up.......................................... 5
Lesson 2: Tools, palettes and the mouse ....................................... 8
Lesson 3: Selections, channels and layers .................................. 10
Lesson 4: Image size and shape ....................................................11
Lesson 5: Zooming in and out ....................................................... 12
Lesson 6: Adjusting the image ...................................................... 13
Lesson 7: Rotating the image ........................................................ 14
Lesson 8: Retouching colour......................................................... 15
Lesson 9: Duplicating irregularly shaped elements .................... 16
Lesson 10: Making simple selections ........................................... 17
Lesson 11: Moving and duplicating selections ............................ 18
Lesson 12: Rotating a selection .................................................... 20
Lesson 13: Adjusting a selection’s opacity .................................. 21
Lesson 14: Adjusting colours and contrasts ............................... 22
Lesson 15: Adding text ................................................................... 24
Lesson 16: Using special effects filters ........................................ 25
Lesson 17: Building-up a composite image ................................. 26
Lesson 18: Storage media.............................................................. 27


contact me on 08036853705 for the full copy.........
Gold.

ADOBE PHOTOSHOP; The BASICS

Adobe Photoshop 7.0: the basics
Contents
Introduction ....................................................................................... 4
Lesson 1: Scanning, saving and set-up.......................................... 5
Lesson 2: Tools, palettes and the mouse ....................................... 8
Lesson 3: Selections, channels and layers .................................. 10
Lesson 4: Image size and shape ....................................................11
Lesson 5: Zooming in and out ....................................................... 12
Lesson 6: Adjusting the image ...................................................... 13
Lesson 7: Rotating the image ........................................................ 14
Lesson 8: Retouching colour......................................................... 15
Lesson 9: Duplicating irregularly shaped elements .................... 16
Lesson 10: Making simple selections ........................................... 17
Lesson 11: Moving and duplicating selections ............................ 18
Lesson 12: Rotating a selection .................................................... 20
Lesson 13: Adjusting a selection’s opacity .................................. 21
Lesson 14: Adjusting colours and contrasts ............................... 22
Lesson 15: Adding text ................................................................... 24
Lesson 16: Using special effects filters ........................................ 25
Lesson 17: Building-up a composite image ................................. 26
Lesson 18: Storage media.............................................................. 27


contact me on 08036853705 for the full copy.........
Gold.

Increase your survival opportunity, whilst fighting Breast cancer with this new TREATMENT.

A new breast cancer treatment drug that comes from sea sponges has been found to extend the life of breast cancer patients whose cancer recurred even after five rounds of chemo, by an average of 10 weeks. That might not sound like much, but in the world of the seriously ill facing death, those extra days and weeks are beyond price.

Eribulin is a new compound discovered and developed by Eisai. It is naturally derived compound that came from a marine sponge and is used as a chemo drug that works against the scaffolding that protects cancer cells, interfering with cell division and causing the cells to die off instead. This approach is used by older chemotherapy medications (taxanes) that work on a different part of the scaffolding.

The study involved 762 breast cancer patients whose tumors had spread despite chemotherapy, two thirds of them took the experimental drug eribulin given in a two to five minute IV infusion on day 1 and day 8 of a 21 day cycle.

The rest got whatever treatment (chemo, hormonal or biological therapy) their oncologist thought best. Sometimes this was another chemotherapy agent, in other cases only supportive care for pain and fatigue.

Eribulin takers lived an average of about 13 months, and were 19% less likely to die. Their cancer stayed in control a bit longer - 3.7 months vs. 2.2 months. Tumors shrank by 30% (or more) in 12.2% of women taking the drug, vs. 4.7% of women in the other group.

After skin cancer, cancer of the breast is the most common cancer in U.S. women though rates have fallen in recent years. Women fear it, and we're encouraged to do monthly self exams and undergo annual screenings in an effort to detect such cancers early.

Despite all this, during 2010 an estimated 207,000 women will be diagnosed with breast cancer, and though rarer, nearly 2,000 men. Earlier diagnosis and better treatments are giving these patients the best chance yet of long-term survival.

Still, almost a third will develop metastatic disease that can't be cured with the treatments we have today. For these patients eribulin is another much-needed option.

The downside?

About 4% of those taking eribulin did develop a potentially life threatening condition known as febrile neutropenia that brings fever, infection and low white blood cell count. This was about three times the rate of women getting standard treatment. Overall, the rate of serious side effects was the same in both groups, affecting one in four of the women.

The more common side effects of eribulin are fatigue, weakness, low white blood cell counts, hair loss and nausea - familiar to most chemotherapy patients today.

However, only 4.8% of women had to stop the treatment due to side effects.

If you're interested in eribulin, you need to talk with your oncologist. This may be one of the last chemotherapy agents approved for breast cancer as most of the newer drugs (Herceptin and Tykerb) work differently, targeting specific molecular defects that fuel some types of tumors.

As a new breast cancer treatment, Eribulin has gotten a priority review for approval by the FDA, putting the medication on the fast track to approval within just 6 months compared to the standard ten months.

Wednesday, July 14, 2010

TIPS on how to PREVENT CAR ACCIDENTS when SMSing.

This menace among teens is mainly due to recklessness and haste. Life is a roll for teens and driving as well as texting while driving a fun-filled affair. No matter how urgent it is, TWD is deadly, regardless of how fast or good you are at it. It just takes a fraction of a second for things to go wrong. Your single sms could take yours as well as someone's life. App. like text to speech, text to voice will ensure safe driving because they not only read text messages but even reply while you are on the road.

Is a sms more worthy than your life? Is it worth loosing life over a sms? You are inviting death if you are texting while driving or taking a call while behind the wheel. Remember life cannot be restored once lost. Do not get swayed, tempted even if your co-drivers encourages you to do so because texting while driving is a crime. The least you can do is get safe driving app installed on your hands free cell phone to prevent accidents. The application helps you to stay steady and focused while driving as all incoming messages will be read aloud by the application. The application allows you to listen to text messages and therefore facilitates safe driving.

Texting is an addiction for many. There are many of us who lead busy lives and value time. They wish to make optimal use of the time on hand which is of course admirable, but that does not mean you squeeze in some time to send a text while driving. The saying "Doing something is better than doing nothing" does not apply while driving. When you are driving you are already doing something, so why do additional tasks like TWD. Things can go wrong, so why take a chance?

However, if you can't get over the addiction, engage a driver or consider applications which will ensure your safety. These apps prevent distracted driving as it reads text messages aloud when you are on the road.

Researches reveal that unlike computers, human mind is incapable of multitasking. Incoming sms and calls while driving diverts concentration and blurs the vision and this could put your life to risk. Imagine what could happen if your hand held speech device slips out of your hand while texting messages in the car and you bend down to pick it up. Apart from losing focus your entire position of the body gets disturbed - this is the best example of dangerous driving which is the major cause of disasters. SMS by speech works as an alternate for TWD. SMS by speech enables you to listen to sms instead of reading it, so get one installed today

TIPS on how to PREVENT CAR ACCIDENTS.

This menace among teens is mainly due to recklessness and haste. Life is a roll for teens and driving as well as texting while driving a fun-filled affair. No matter how urgent it is, TWD is deadly, regardless of how fast or good you are at it. It just takes a fraction of a second for things to go wrong. Your single sms could take yours as well as someone's life. App. like text to speech, text to voice will ensure safe driving because they not only read text messages but even reply while you are on the road.

Is a sms more worthy than your life? Is it worth loosing life over a sms? You are inviting death if you are texting while driving or taking a call while behind the wheel. Remember life cannot be restored once lost. Do not get swayed, tempted even if your co-drivers encourages you to do so because texting while driving is a crime. The least you can do is get safe driving app installed on your hands free cell phone to prevent accidents. The application helps you to stay steady and focused while driving as all incoming messages will be read aloud by the application. The application allows you to listen to text messages and therefore facilitates safe driving.

Texting is an addiction for many. There are many of us who lead busy lives and value time. They wish to make optimal use of the time on hand which is of course admirable, but that does not mean you squeeze in some time to send a text while driving. The saying "Doing something is better than doing nothing" does not apply while driving. When you are driving you are already doing something, so why do additional tasks like TWD. Things can go wrong, so why take a chance?

However, if you can't get over the addiction, engage a driver or consider applications which will ensure your safety. These apps prevent distracted driving as it reads text messages aloud when you are on the road.

Researches reveal that unlike computers, human mind is incapable of multitasking. Incoming sms and calls while driving diverts concentration and blurs the vision and this could put your life to risk. Imagine what could happen if your hand held speech device slips out of your hand while texting messages in the car and you bend down to pick it up. Apart from losing focus your entire position of the body gets disturbed - this is the best example of dangerous driving which is the major cause of disasters. SMS by speech works as an alternate for TWD. SMS by speech enables you to listen to sms instead of reading it, so get one installed today

BABY gifts, how one can generate them from PHOTOS.

Fortunately, personalised gifts are not just a great gift idea for adults as they can be customised for the arrival of a newborn baby too and what's more there are numerous items that are designed especially for the occasion.

Keepsake Photo Box

Once thing that is absolutely certain when a new baby arrives in a family, there will soon be more photos than the parents and grandparents know what to do with. A keepsake photo box isn't just a great place to keep them but once personalised with a favourite photo of baby it is also a stunning and deeply personal baby gift.

Footprint Blankets

As well as being able to use photos you can use handprints and footprints to personalise baby gifts. Scan either and have them added to a variety of items including baby blankets. These safe, warm, and comfortable blankets are ideal for the cot. Alternatively you can have the same handprint or footprint added to a small, medium, or large polar fleece blanket making it a great gift for Mum, Dad, or the grandparents.

Baby Sleeping Bags

There are certain items that every baby needs and not only are items like sleeping bags or grobags useful and beneficial when they are babies but they can be kept as a keepsake or memento of their earliest years and their first gifts. The grobag keeps baby warm and snug, and it can be personalised with the addition of his or her name, or with a personalised message welcoming baby to the world and to the family's hearts; baby gifts that keep on giving.

BREAKTHROUGH FOR SINGLES: HOW TO GET A GIRLFRIEND.

Many guys are frustrated about being single, and unable to get a girlfriend at all! In order to get a girlfriend, you need to know how a woman feels.

If you think that a woman feels the same way as a guy, you are wrong. Many guys fall into the trap of being single, not because they are ugly, but because they do not understand how a woman think and feel.

So are you the guy who does not know how to approach a girl? Or are you the guy who does not know how to ask her to be your girlfriend?

If you do not take any action, then you will not have a girlfriend! Many women would not risk confessing their love for you, so you need to know how to find a girlfriend.

Now, what if you already have a female friend, whom you want as a girlfriend? Perhaps you went out together for a few dates, but are you wondering if she is seeing you as a boyfriend or just another male friend?

Well, if a woman is willing to go out with you alone, and appears flirty, then she is likely to see you as a potential boyfriend. So what do you need to do?

It is likely that she wants you to confess to her, and kiss her. If she does not see you as a boyfriend, why would she bother to go out with you? She is just waiting for you to hold her hands.

Of course, not all women are looking for a boyfriend. Some women are just looking for companions. Rather than guessing how she feels, you should let her know your feelings for her, and see if she wants to take the friendship to the relationship level.

If she rejects you, she is either not ready or is not interested in you. If it is the latter, it is advisable to move on! Do not try any harder, as it will just make you look desperate and lose your charm.

There is one thing to remember, when a woman sees you as a friend, she will never see you as a boyfriend. In other words, as long as you fall into the friend zone, you can never upgrade to be her boyfriend.

Women will never have sex with their friends, as they will suffer from the guilt, and the fear of the loss of friendship.

But come to think of it, in order to be her boyfriend, you need to be sexually interested in her. The same applies to the woman. If she does not see you as a person that she can have sex with, she will not think of you as a potential boyfriend.

Most women are unlikely to have sex without love. Women are not like men, who can have sex without even knowing the woman.

Thus, in order to get a girlfriend, you need to know how a woman feels, so that you can work towards getting her as a girlfriend. I look forward to your success love story.