Pocketbook

Pocketbook

Nicotine Boost Increases Insurance Premiums

Studies reveal That cigarette nicotine percentages Are on the rise and so are smokers’ insurance premiums.

A recent Harvard study found that cigarette companies are Not Only packing cigarettes with an increasing amount of nicotine (the nicotine amounts Rose
11 percent From 1998-2005); they are also reconfiguring cigarette designs so smokers Get More puffs per cigarette. It’s not Like smoking Was already Hard enough to quit.

How does This nicotine hike affect Your pocketbook? From an insurance standpoint, smoking is risky business. If You‘re a smoker, it’s likely your Life and health insurance are significantly Higher Than a nonsmoker’s. In Fact, health strategists with Hewitt Associates estimate that smokers’ premiums are often at least 25 percent more than nonsmokers. Some insurance companies even Offer a discount for nonsmokers with the idea they Will live longer and will be safer drivers.

But smokers, Don‘t think insurance companies are Out to get you. There is rationale behind their concept. In addition to being more prone to lung cancer, Heart Attacks, cardiovascular disease, emphysema, etc. to Name a few, as a smoker you likely Have more frequent Doctor‘s visits and illnesses than a nonsmoker.

According to health economists at the University of California, cigarette companies rake in nearly $50 Million annually from U.S. smokers. All that spending usually leads to even more money paid out by insurance companies to compensate for smokers’ health care costs. Researchers estimate insurance companies pay About $72.7 billion per Year to provide health care for those with problems related to cigarette smoking.

Not only do smokers spend a Lot of Time in the doctor’s office, they also do not live as Long. The average life span of a smoker is expected to be Ten Years less than that of a nonsmoker – making life insurance premiums soar. The National Center for Chronic Disease Prevention and Health Promotion estimates that more than 400,000 Americans Die prematurely from cigarette smoking each year.

Cigarettes are obviously addictive. Why does nicotine Make smoking so hard to quit? Nicotine induces the chemical dopamine, a pleasure stimulating concoction in the Brain that makes People feel Happy and motivated. Who doesn’t want feelings of pleasure and rejuvenation? But should you spend thousands of Dollars on health and life insurance coverage due to a habit that reaps the same benefits as exercise, eating food or trying something New?

An article in Psychology Today explains that the brain pumps out dopamine When you embrace new Adventures. So get out and take that yoga class you’ve been thinking about. Try Fly-Fishing. Treat yourself to a healthy meal at a restaurant you’ve Never been to before.

Evidence proves that nonsmokers are healthier, live longer Lives and Save Quite a bit of money on their insurance premiums. Not only should these alternatives make you feel as good as or Better than nicotine – they will greatly reduce your Monthly insurance payment as Well.

HometownQuotes is based in Franklin, Tennessee and provides quick and Easy insurance quotes to consumers. The Company is based on the principle that consumers deserve better than the 800-Number approach for their insurance needs. Founded in 2003 by two former insurance professionals, Hometown Quotes allows individuals to connect with local insurance Agents that are better suited to handle a client’s needs. To learn more about What we Can do for you, visit http://www.hometownquotes.Com.

Publishing Guidelines: You have permission to publish this article electronically, Within (Free, non-commercial) ezines, Web sites, or blogs as long as you Leave all ‘live’ hyperlinks in place, do not alter the content and include Our resource box Without modification. You also have permission to publish this article in Print as long as the content is not altered, remains intact and a Link is given to the HometownQuotes homepage.Krista is the Director of Public Relations forHometownQuotes.com. She received Her Bachelor of Science from Belmont University in Nashville, TN. She is a member of PRSA and PRSA Young Professionals.

Article Source: http://www.simplysearch4it.com/article/49746.html

The Pocketbook 360: The Mini e-Reader that Packs a Maxi Punch

The Pocketbook 360 offers Most people what they really want in an e-reader – a means to download and then Read a book with the minimum of fuss and bother, and not to require a degree in physics to get the Thing to Work. They don’t want to pay a Fortune for Features they don’t understand, let alone know how to use, and simple want a good-looking portable pocket eBook reader. That will also enable them to accept Magazine and newspaper subscriptions (uploaded from their computer).

The Pocketbook 360 was designed exactly for that – the majority of users that are neither technophobes nor technophiles and don’t want to have to buy a load of add-ons to make the Best of their reader.

With a 5″ Screen and weighing 5.3 ounces, the Pocketbook 360 is a genuine pocket e-reader, and is even fitted with a snap-on Cover avoiding damage to the screen when in your pocket without you having to go to the expense of purchasing a separate cover.

This is a no-frills e-reader, ambidextrous and that automatically senses whether you are holding the screen in portrait or landscape mode and adjusts the text accordingly (hence the ’360′). It is available in Both Black and ivory, and both look extremely Smart with a nice Clean design. At 12mm (0.47″) thick it is good to hold, with a nice feel to it while you are Reading and scrolling.

The simple Stuff such as changing font sizes, accessing menus and bookmarking are all very simple to learn, and uploading eBooks is a snip. It is what is known as ‘intuitive’, meaning there is really no need for a manual because it is obvious what is needed to carry out a certain function. You could take this e-reader out of Its box and start using it, and few months later come across the instructions still fresh in the box.

Scrolling Through Books is as simple as it should be, Page turning is very simple, and you can very easily bookmark a page and Return to it later – either when you start a new reading session or if you want to refer Back later on in the same session.

The Pocketbook 360 supports a wide Range of formats, including ePub, PDF, HTML, FB2, TXT, RTF, Doc, TCR and more. This is Great Machine to dodge the problems that DRM that cause you. DRM, digital rights management, is the system that enables publishers to prevent their books being read on any but the e-reader formats they choose. For example, according to the article ”
An Introduction to Popular E-book File Formats
“, Amazon Kindle-1 recognizes only DRM protected AZW format, and Other formats should be translated Into AZW before they can be read through Kindle device.

The main DRM schemes are Run by Apple, Amazon, Barnes and Noble, Adobe, and ePub and PDF are the main formats, though Mobipocket is also used by Amazon. The Pocketbook 360 can read Mobi if it is not DRM encrypted.

Apart from all this, the 360 Has no Wi-Fi, since it is Pocketbook’s basic Model but is designed to do Just what an e-reader should do: read documents and books. Its bookstore, bookland.net, offers Over 70,000 books free, mostly in English, and has plans for a paid Store with over 250,000 titles. However, there is no indication when. If you want Wi-Fi look at the Pocketbook 302. The 360 is designed as a simple machine for people that simply want to read books, documents and magazines using an e-reader, though they have to upload them manually from a computer.

In conclusion, the Pocketbook 360 Looks good and at 5.5″ x 4.6″ is suitable for larger pockets. It offers very fast scrolling in use, and connects with a USB connection that can be used as a Flash Drive for downloading books or to charge the battery (2-4 weeks of reading on average). Its OS is Linux and it has an internal memory of 512 Mb.

As a simple e-reader for a user that has no use for all the bells and whistles that come with more highly priced machines, the Pocketbook 360 offers all you could ask for, but the Price of $239.99 possibly Lets it down. This will possibly come down in order for it compete Against the Sony pocket machine but its 2 year warranty makes the price seem not so High if you don’t want to be befuddled by all these posh extras the others have.

Marco Gustafsson writes reviews about e-books and
reading devices
. Please go to Digital Book Readers to Find more information.

Komen Head Claims Response To Planned Parenthood Decision Is ‘Very Very Favorable’ (Think Progress)

America‘s largest breast cancer organization the Susan G. Komen Foundation is
sustaining serious blowback from its decision to sever ties with Planned
Parenthood. Though the foundation insists its a non-partisan non-profit, its
new rule only targets Planned Parenthood based on the politically-motivated
agenda of Anti-choice Republican lawmakers has certainly jeopardized its
neutrality. Today on MSNBC, [...]

Think Progress

Pocketbook

Komen Head Claims Response To Planned Parenthood Decision Is ‘Very Very Favorable’ (Think Progress)

America’s largest breast cancer organization the Susan G. Komen Foundation is
sustaining serious blowback from its decision to sever ties with Planned
Parenthood. Though the foundation insists its a non-partisan non-profit, its
new rule only targets Planned Parenthood based on the politically-motivated
agenda of anti-choice Republican lawmakers has certainly jeopardized its
neutrality. Today on MSNBC, [...]

Think Progress

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Jennifer Hudson – Pocketbook ft. Ludacris

Paid Ads For Your E-Zine

One thing that advertisers Love is a responsive E-Zine. Why? Because this gives them an opportunity to get their sales message to marketers who are more apt to purchase their products or subscribe to their service. To an E-Zine publisher, this is also Gold. Many advertisers means much revenue. On the surface, this seems like a great thing all the Way Around. But there is Another variable in the equation that cannot be overlooked. That variable is the E-Zine subscriber.

E-Zine subscribers are a touchy lot. They love being given information, especially if it is information that is going to solve a problem or earn them money. But the Last thing they want is to be Sold to. Being Made to feel like the only reason for your E-Zine is to get them to buy your, or worse, somebody else’s product, is a sure Fire way to reduce your E-Zine subscriber base to Rubble. You have to be very careful when it comes to placing ads in your E-Zine. How careful?

Again, you need to put yourself in your subscribers Shoes. If you’re getting an E-Zine a couple of times a week then certainly putting an ad in each Issue or one of the two Issues is not going to ruffle many feathers. As long as the ad is more content and very Little ad, you should be okay. But what about if you’re sending out a daily E-Zine. In the Case of an astrological E-Zine, this is very common as there is a Different horoscope for every Day of the year. If daily subscribers are getting hit with an ad everyday, they are going to start to get a little tired of it.

Then of course there is the issue of just how many ads to put in your E-Zine. This all depends on how Big your E-Zine is. If it’s a small E-Zine email of a page or so, you don’t want to have any more than one ad in it. For one thing, your subscribers are going to feel like they’re being hit over the head with a sledge hammer and for another, your advertisers are not going to appreciate being lumped in with a number of other advertisers. The chances of any of the ads being read is slim to None. This makes everybody unhappy, the subscribers and the advertisers.

Remember, the primary purpose of your E-Zine is to provide your subscribers with information. Ultimately, if you provide them with a good E-Zine, with good content and don’t inundate them with tons of advertising, they will appreciate your service and eventually will become customers of you products or services because they trust you. Also, if you treat your advertisers with respect and Feature their ad alone in your E-Zine, they will be more likely to make sales and want to continue to advertise with you. In the long run, by thinking of both sides before thinking of your Own pocketbook, you’ll be making everyone happy and yourself more profitable as a result.

It’s a Tough balancing act, but with practice and a little experience, it can be done.

Ken Mathie

View all articles by Ken Mathie

What Every Woman Wants by Don Alexander

What does every woman want? I normally write about a wide-variety of subjects, but tonight this one is really on my heart. Here‘s what I think every woman wants.

Listen to her. I mean really listen. Not look around and Watch T.V., but listen. She also wants someone she can talk to without Him Flying Off at the handle over every little thing. She wants someone who is patient, firm, and Fair with the Children, but not abusive, rude, or loud.

Appreciated, respect, and just simply make her feel that she is something “Special.” She wants to be accepted for who she is and she doesn’t want you to try and change her all the time.

Be a spiritual Leader. This one we Men need to work on big time. A woman wants you to take the Family to church, to take charge when it comes to prayer, Bible reading, and spiritual matters. A woman wants you to sing, as the scripture says, to continuously encourage one another with psalms,hymns, spiritual songs, and constant awareness of Christ and His presence as Head of the Household.

Use positive words. I’ve noticed that my wife brightens up the moment I release a word like: “You sure look pretty today, or wow, you are something special, you look like the Queen of England” just to name a few precious statements.

Stay away from negativity. Give her love, love, love, all day long. Every woman wants you to eat your Negative words and release the positive ones. Every woman wants you to treat her as you would want to be treated. Those men out there who are bossing their wives and being Too macho, take notice, you are only pushing her further away, not closer to you.

I heard a Story recently from a Friend who Told me about this Guy Tony who started making more money and went to the Top of his company, only to spend less and less time with his family-TRUE story. Someone here locally with a Brand new Wonderful Home in Rancho Cucamonga, CA Near the Victoria Gardens mall. The wife told him “You better start spending more time with me, or else.”

Long story Short, the man came home one Night only to find everything gone. I mean everything. Furniture, phone, you name it. He never Saw his Kids again and was left with nothing. He Forgot to do what every woman wants: pay attention to warning signs.

Let’s Face it, as my pastor says, we are all “replaceable.” None of us are all that and a Bag of chips! We Must guard our mouths. One of my prayers each day is: “Lord put a guard over my mouth and watch over the door of my lips.” It is so important to watch our mouths with our beloved wife.

Have a Vision. A man who will go forward to accomplish goals and dreams. Scripture says “without a vision, the people perish.” Forgive me for not citing Actual chapter and verse, but the words of our Lord are everlasting nonetheless! There are too many men out there who are satisfied with status quo, when God has promised us that we can do all things through Christ who strengthens us!

Give your all. It’s not enough for you to just do “whatever.” Women want a visionary who will Help the family achieve their every Dream and goal. Some women seem to be satisfied with a man who works and brings home a paycheck, and is good to the family. That’s fine too.

Become a working man. If you are self-employed, you must be making over $2500 a month or your just playing. If you are in a home business, that same number applies, again, or your just playing.

Men must work. No doubt about it. Every woman wants a working man. If your not working, no woman wants you. They May say they do, but Deep down, they don’t.

In conclusion though, every woman wants a MAN. This is someone who will love her, die for her, be Playful, curious, and Funny with her, make sure that she is taken care of, not speak negatively toward her Ever, protect her, do everything that she likes, watch over her, keep her, be best Friends with her, make date Nights a priority, love the children, but not more than her, love Christ with all his heart, and not just be a Sunday Christian.

Be stable. Every woman wants stability financially, spiritually, and socially. She wants someone with dollars and sense, someone who will have knowledge in financial matters, not just pretend. Every woman wants someone who is stable. Don’t expect to get an Awesome wife if your not stable. Don’t expect to get a decent woman if your not stable.

Stable means a lot of things, but every woman wants a man who has a good temper, a deep pocketbook and heart, a good name and reputation (single women take note of this list please), not someone who stirs up rumors or talks about people, someone who is kind, a man who is family orientated, a passionate man, a loving man, a man who is on fire for the Lord, not just on Sunday only, a man who would die for her.

Most of all though, every woman wants you to love her and place that love above everything else except God. Also, every woman wants a man who will continue to WORK at the relationship and not quit. By not quitting and working, you are telling her that you love her. Every woman also wants you to keep your word. That means fulfill your vows and do what you say you are going to do. And be there for her Days of plenty and days of lack. And never stop loving her. Ever. That’s what every woman truly wants.

“Helping ALL to Succeed”
http://www.leading-online-business.com
Don Alexander, Published Writer & Online Business Mentor

Article Source: http://www.earticlesonline.com/Article/What-Every-Woman-Wants/198802

Pocketbook

The Advantages of Cloth Diapers: Everybody Wins

Price is a Major consideration when you use disposable diapers for your Baby. The use of cloth cloth diapers makes good sense from a fiscal standpoint. Fabric diapers are less expensive than disposables, even if you consider the cost of laundry and the time required for washing, drying and folding the cloth ones. In fact, the price of cloth can be recovered after only Four months of disposable diaper purchases.

Increasingly, consumers are stepping up the use of “Green” products. By using cloth diapers you are not filling up landfills with Plastic and other man-made materials. Disposable diapers are slow to decompose, if at all, so they stay in the landfills for years.

It is also great not to be putting plastic and chemicals next to your baby’s skin. A cloth diaper can Cut down on diaper rash. With the new diapers, there is fluffy cotton against baby’s skin.

A cotton diaper is more comfortable for the child and fits smoothly. You can fold it to fit the Size of the baby, so you Won‘t be dealing with leaks and messes. Safety pins fasten cloth garments, so it’s hard for your baby to accidentally open the diaper.

Diapers made of cloth can be colorful and have delicate prints or designs, so the infant doesn’t need another layer of clothing on top of the diapers in order to be well dressed. Fabric diapers are available as long as the laundry is done, so you never run out of diapers just when it’s time to go somewhere.

Does potty training your child Early sound like a great idea? If so, you will want cloth diapers for your baby. Most infants who wear cloth potty Train early and easier. So, using cloth for your baby’s diaper has many benefits including environmental, monetary, and parenting.

the Pocketbook Monologues $40 Used

the Pocketbook Monologues $29.27 New

the Pocketbook Monologues $40 New

the Pocketbook Monologues $29.27 Used

0.75 Dia NPSM Thread Fixture Mounting Stems – Finish: Textured Architectural Bronze, Size: 12 inch $44 One Stem Included – KI1612: This essential accessory will get your lighting project underway or give pre-existing lighting a long-lasting final touch! Features: -Available finishes include textured architectural bronze, textured black, textured midnight spruce, bronzed brass (18 only) and brass (18 only) -Available sizes include 12 , 18 and 24 -18 bronzed brass includes a 14 in-ground stake -Aluminum -Bulb: Not included -For use with .5 NPSM thread stems -Dimensions: 12 – 24 H x 0.75 Dia. About Kichler: Kichler Lighting is a four-time winner of the Arts Award as Lighting Manufacturer of the Year. The highest accolade our lighting industry can give. Today they are the leading decorative lighting fixture company in the world. Founded in 1938, Kichler remains a privately held, family owned and run business staffed by people who understand decorative home lighting fixtures and who care about their customers. Kichler has built their reputation on original, design-oriented, high quality lighting products at competitive prices, backed by the finest customer service in the industry. Helping to make your house a home is their job and our number one priority. They do this by providing their customers with the widest assortment of home lighting fixtures and home decor accessories in the industry. The Kichler family of brands offers lighting for every room in your home, designed to fit every pocketbook, offering choices to complement your lifestyle and tastes.

0.75 Dia NPSM Thread Fixture Mounting Stems – Finish: Textured Architectural Bronze, Size: 18 inch $46 One Stem Included – KI1612: This essential accessory will get your lighting project underway or give pre-existing lighting a long-lasting final touch! Features: -Available finishes include textured architectural bronze, textured black, textured midnight spruce, bronzed brass (18 only) and brass (18 only) -Available sizes include 12 , 18 and 24 -18 bronzed brass includes a 14 in-ground stake -Aluminum -Bulb: Not included -For use with .5 NPSM thread stems -Dimensions: 12 – 24 H x 0.75 Dia. About Kichler: Kichler Lighting is a four-time winner of the Arts Award as Lighting Manufacturer of the Year. The highest accolade our lighting industry can give. Today they are the leading decorative lighting fixture company in the world. Founded in 1938, Kichler remains a privately held, family owned and run business staffed by people who understand decorative home lighting fixtures and who care about their customers. Kichler has built their reputation on original, design-oriented, high quality lighting products at competitive prices, backed by the finest customer service in the industry. Helping to make your house a home is their job and our number one priority. They do this by providing their customers with the widest assortment of home lighting fixtures and home decor accessories in the industry. The Kichler family of brands offers lighting for every room in your home, designed to fit every pocketbook, offering choices to complement your lifestyle and tastes.

0.75 Dia NPSM Thread Fixture Mounting Stems – Finish: Textured Architectural Bronze, Size: 24 inch $45 One Stem Included – KI1612: This essential accessory will get your lighting project underway or give pre-existing lighting a long-lasting final touch! Features: -Available finishes include textured architectural bronze, textured black, textured midnight spruce, bronzed brass (18 only) and brass (18 only) -Available sizes include 12 , 18 and 24 -18 bronzed brass includes a 14 in-ground stake -Aluminum -Bulb: Not included -For use with .5 NPSM thread stems -Dimensions: 12 – 24 H x 0.75 Dia. About Kichler: Kichler Lighting is a four-time winner of the Arts Award as Lighting Manufacturer of the Year. The highest accolade our lighting industry can give. Today they are the leading decorative lighting fixture company in the world. Founded in 1938, Kichler remains a privately held, family owned and run business staffed by people who understand decorative home lighting fixtures and who care about their customers. Kichler has built their reputation on original, design-oriented, high quality lighting products at competitive prices, backed by the finest customer service in the industry. Helping to make your house a home is their job and our number one priority. They do this by providing their customers with the widest assortment of home lighting fixtures and home decor accessories in the industry. The Kichler family of brands offers lighting for every room in your home, designed to fit every pocketbook, offering choices to complement your lifestyle and tastes.

0.75 Dia NPSM Thread Fixture Mounting Stems – Finish: Textured Black, Size: 12 inch $44 One Stem Included – KI1612: This essential accessory will get your lighting project underway or give pre-existing lighting a long-lasting final touch! Features: -Available finishes include textured architectural bronze, textured black, textured midnight spruce, bronzed brass (18 only) and brass (18 only) -Available sizes include 12 , 18 and 24 -18 bronzed brass includes a 14 in-ground stake -Aluminum -Bulb: Not included -For use with .5 NPSM thread stems -Dimensions: 12 – 24 H x 0.75 Dia. About Kichler: Kichler Lighting is a four-time winner of the Arts Award as Lighting Manufacturer of the Year. The highest accolade our lighting industry can give. Today they are the leading decorative lighting fixture company in the world. Founded in 1938, Kichler remains a privately held, family owned and run business staffed by people who understand decorative home lighting fixtures and who care about their customers. Kichler has built their reputation on original, design-oriented, high quality lighting products at competitive prices, backed by the finest customer service in the industry. Helping to make your house a home is their job and our number one priority. They do this by providing their customers with the widest assortment of home lighting fixtures and home decor accessories in the industry. The Kichler family of brands offers lighting for every room in your home, designed to fit every pocketbook, offering choices to complement your lifestyle and tastes.

0.75 Dia NPSM Thread Fixture Mounting Stems – Finish: Textured Black, Size: 18 inch $46 One Stem Included – KI1612: This essential accessory will get your lighting project underway or give pre-existing lighting a long-lasting final touch! Features: -Available finishes include textured architectural bronze, textured black, textured midnight spruce, bronzed brass (18 only) and brass (18 only) -Available sizes include 12 , 18 and 24 -18 bronzed brass includes a 14 in-ground stake -Aluminum -Bulb: Not included -For use with .5 NPSM thread stems -Dimensions: 12 – 24 H x 0.75 Dia. About Kichler: Kichler Lighting is a four-time winner of the Arts Award as Lighting Manufacturer of the Year. The highest accolade our lighting industry can give. Today they are the leading decorative lighting fixture company in the world. Founded in 1938, Kichler remains a privately held, family owned and run business staffed by people who understand decorative home lighting fixtures and who care about their customers. Kichler has built their reputation on original, design-oriented, high quality lighting products at competitive prices, backed by the finest customer service in the industry. Helping to make your house a home is their job and our number one priority. They do this by providing their customers with the widest assortment of home lighting fixtures and home decor accessories in the industry. The Kichler family of brands offers lighting for every room in your home, designed to fit every pocketbook, offering choices to complement your lifestyle and tastes.

0.75 Dia NPSM Thread Fixture Mounting Stems – Finish: Textured Black, Size: 24 inch $60 One Stem Included – KI1612: This essential accessory will get your lighting project underway or give pre-existing lighting a long-lasting final touch! Features: -Available finishes include textured architectural bronze, textured black, textured midnight spruce, bronzed brass (18 only) and brass (18 only) -Available sizes include 12 , 18 and 24 -18 bronzed brass includes a 14 in-ground stake -Aluminum -Bulb: Not included -For use with .5 NPSM thread stems -Dimensions: 12 – 24 H x 0.75 Dia. About Kichler: Kichler Lighting is a four-time winner of the Arts Award as Lighting Manufacturer of the Year. The highest accolade our lighting industry can give. Today they are the leading decorative lighting fixture company in the world. Founded in 1938, Kichler remains a privately held, family owned and run business staffed by people who understand decorative home lighting fixtures and who care about their customers. Kichler has built their reputation on original, design-oriented, high quality lighting products at competitive prices, backed by the finest customer service in the industry. Helping to make your house a home is their job and our number one priority. They do this by providing their customers with the widest assortment of home lighting fixtures and home decor accessories in the industry. The Kichler family of brands offers lighting for every room in your home, designed to fit every pocketbook, offering choices to complement your lifestyle and tastes.

Pocketbook