Warning: include_once(/home/doadvice/public_html/wp-content/uploads/2008/06/wp-db-backup.cache) [function.include-once]: failed to open stream: Permission denied in /home/doadvice/public_html/wp-settings.php on line 175

Warning: include_once() [function.include]: Failed opening '/home/doadvice/public_html/wp-content/plugins/../../wp-content/uploads/2008/06/wp-db-backup.cache' for inclusion (include_path='.:/usr/lib/php:/usr/local/lib/php') in /home/doadvice/public_html/wp-settings.php on line 175
Do-Advice » 2007 » April

Archive for April, 2007

Finding a Mortgage Broker Who Will Accept Bad Credit

Posted in Mortgage Broker on April 30th, 2007

Having a bad credit history is not ideal, especially if you’re applying for a loan. If you’re shopping for a mortgage, though, your chances of getting your loan approved are much better, and many mortgage brokers products designed for consumers with bad credit.

Why would loan providers disregard bad credit history when funding mortgages? Aren’t loan providers afraid that the customer won’t be able to pay off the loan? Even when clients have a good credit history it’s impossible to predict if they’ll make good on their loan, and borrowers with bad credit history have a record of falling behind on their payments.

Many astute mortgage loan providers agree to lend to people with bad credit, not out of charity but based on the FICO credit scores.

Borrowers with scores of 720 and above have loan providers chasing after them to take out mortgages, and borrowers who have credit scores ranging from 600 to 700 can also get good mortgage deals. Borrowers earning credit scores of 500 and below are considered to have bad credit. Most bad credit mortgages are used to purchase or build homes. If the buyer is a first-time homeowner, they may be eligible for a special first-time buyer mortgage.

For the protection of the lender, someone taking a bad credit mortgage cannot borrow as much as with other mortgages. This lowers the risk for lenders the borrower defaults on the loan. The borrower will have to make a deposit of greater size, too. Required deposits for regular mortgages are about 25%, but the deposit for bad credit mortgage may be much higher to cover the risk of lending.

Some unscrupulous loan providers claim that bad credit mortgages are rarely approved and that borrowers wouldn’t have been able to mortgage their house without the special assistance of their company’s bad credit program, charging high interest rates and fees. Many borrowers with bad credit believe them and pay far more than they should for broker services – so shop around for a mortgage lender who won’t take advantage of your bad credit history.

How Hair Transplant Replacement Works

Posted in Hair Transplant on April 30th, 2007

Hair transplantation – “hair transplant” — is a surgical procedure that involves moving sections of scalp where hair still grows to a part of the scalp that is bald or where the hair is thinning.

History of hair transplantation

Hair restoration started in 1930, when Japanese doctors experimented to see if skin and hair could be transplanted from healthy parts of the body to parts that had been disfigured by injury.

In 1950, dermatologist Norman Orentreich wrote an article explaining how hair transplantation could be done. Although his studies were not embraced by the scientific community, he became even more determined to prove his theory “donor dominance,” which states that even when hair is relocated to a bald area it will continue to grow as it did before. He is considered the father of hair transplants.

Hair transplantation is the most common elective surgery among men. The reason for its popularity among men is the fact that results gained from this procedure are much better compared to other similar hair replacement procedures. The hair transplantation of today is not really different from the hair transplantation Dr. Orentreich performed — however, today’s hair transplantation involves graft or plug size.

The older method of hair transplantation is easily identified by its patchy appearance. This used to be the norm, until transplant surgeons critically examined the possibilities of using a different graft size. It was determined that better results would be gleaned from using grafts that were smaller.

What happens during a hair transplant?

As mentioned earlier, hair transplantation involves moving small pieces of scalp where hair still grows to a part of the scalp that is bald or where the hair is thinning.

There are five types of grafts, varying in size and shape. These are: punch grafts, mini-grafts, micro-grafts, slit grafts and strip grafts. Since this new method of hair transplantation makes use of smaller sizes of grafts, many surgical procedures are needed to fully covered a bald area, taking as long as two years. The number of large plugs transplanted during the first sessions of surgery varies with each individual, but the average is usually about 50. With mini-graphs or micro-graphs there may be up tp 700 plugs transplanted per session.

For more information on hair transplantation, ask your surgeon.

Why Its Crucial to Have A Dedicated Server

Posted in Dedicated Servers on April 30th, 2007

A dedicated server is a single web server or computer on the internet that hosts websites and shows pages as viewers request. A dedicated server is within a network of computers, exclusively dedicated to one costumer or a large business, since it can meet many needs.

Dedicated servers are most commonly used in the web hosting industry; hundreds of sites are hosted under one dedicated server. A dedicated server is considered to be the next step on from shared hosting environments. Having your own dedicated server makes you free of worry about other websites slowing you down or crashing your server. Dedicated servers also give you total control, and allows for installing software on your website that opens doors for gaining extra performance.

The advantage of having a dedicated server is that the clients of the server can customize both hardware and software setup so they meet needs like faster data access and effortless accommodation of traffic on the site.

These dedicated servers come with good costumer service. The web host works with the client in making sure that the dedicated server meets the needs of the client. In cases of companies having several divisions like a chain of outlets, it is still crucial for each to have their own dedicated server because they can create many domains on a single server easily, which results in more efficiency rather than having to lease host space on different web servers for each division or outlet individually.

For large companies having websites for every dealership such as motorcycle manufacturers, the advantage of having a dedicated server is that the parent company can put all of the websites for each dealership under the same server.

Here’s how it works. Assume a company named “Taurus Cars Corp.” is running a series of dealerships, the parent company could host an individual website for every dealership. Each website may look like this; for the parent company “www.taurusmotorscorp.com”, for the dealership in Florida “www.taurusmotorsflorida.com “, for the dealership in Colorado “www.taurusmotorscolorado.com” and so on.

The advantage of this setup is the dealership in Florida is using the same online tools as the dealership in Colorado.

Making the online presence of the company Taurus Motors Corp. very streamlined and cost-efficient, while making things significantly easier for the company’s administration and support, also known as customization and uniform of point of sale software. Considering the websites of each of the different divisions or dealerships residing on one dedicated server, makes this advantage beneficial in terms of increasing sales.

In some cases other business want to use dedicated servers for the sole purpose of customization, costumer service, and fast access. They host websites themselves or better yet sub-lease the extra space for interested companies to set up their websites and domains. The advantage derived by any business under a dedicated server is the ability to enhance security.

All these advantages imply that dedicated servers are the best option for most large companies or businesses. Hosting personal websites or small business websites in general doesn’t require a dedicated server, instead for this purpose you can lease from a standard web host.

Tips in Buying a Down Comforter for Your Bedroom

Posted in Down Comforters on April 30th, 2007

To achieve the perfect mix of both style and comfort, nothing beats a quality down comforter for your bedroom. But with so many choices available, how can you know which comforter to buy? In this article, we’ll give you some simple tips in buying a down comforter for your bedroom.

One of the first determinations you need to make when buying a down comforter is the amount of money you are willing to spend. Down comforters tend to be expensive, with most high quality options costing hundreds of dollars. However, there are down comforters available for less than $150, if you know where to look. Most quality discount stores will carry comforters for a very nice price, so be sure to shop around. It is important to realize that even though comforters may cost you a bit of money now, they usually last 15-20 years. This makes it worth your while to buy a quality comforter that will stay cozy year after year.

Another key factor to consider when choosing a comforter is size. The comforter you buy should be the correct size for your bed. This is very important, because often times comforters will be marked as a mix of different sizes, and you may end up purchasing an ill-fitting comforter. You can guarantee that you are getting the correct size comforter by measuring your bed and bringing the measurements with you to the store.

You should also consider the type of down filling used in the comforter you want to buy. While many reasonably priced comforters are filled with polyester, the pricier varieties tend to be filled with silk or actual down. Down comes from the breasts of both geese and ducks, and these fluffy balls act to create warmth and a puffy look in a comforter. While natural down options are very warm and appealing, many people have allergies that make these types of comforters impossible. In these cases, synthetic down represents a viable alternative.

Down comforters also have the added feature of being quite versatile. There are many down comforters that display a different color, print, or design on both sides. This can give your bedroom a whole different look, depending on your mood or the season.

One last tip in buying a down comforter is to look for quality when making a purchase. Many comforters can feature sloppy workmanship, which can lead to down shifting or escaping the comforter. A quick way to make sure that you are purchasing a quality down comforter is to look for proper stitching. The stitching should be consistent the whole way around the comforter, and should also be firmly in place. This will keep your down comforter serving the purpose for years to come.

These tips in buying a down comforter for your bedroom should help you make a wise decision. Although the comforter you choose is ultimately a matter of personal taste, these tips will help you find a comforter that is both high in quality and style.

How to Find Wholesale Mortgage Lenders

Posted in Mortgage Lenders on April 28th, 2007

Some mortgage bankers and portfolio lenders are also wholesale lenders that deal with mortgage brokers, sometimes exclusively.

Most mortgage lenders have both wholesale and retail departments. Mortgage brokers prefer to obtain wholesale rates and then mark up these rates by adding points, presenting the borrowers with quotes that are similar to what borrowers could obtain directly from a retail lender. Mortgage brokers are free to set whatever prices they want, and have different methods for marking up wholesale rates.

Wholesale mortgage lenders generate residential mortgages through a network that includes independent brokers and lenders, offering a wide variety of home financing options: conventional, home equity, government, alternative and jumbo loans. All of these may be purchased from the mortgage professionals, including lenders and brokers, who make up a wholesale mortgage lenders network. The goal of the network is to ensure that both borrowers and lenders benefit from the transaction.

Different types of Wholesale Mortgage Lenders

• Wholesale Mortgage Lenders Network

This is a network of professionals working together in order to find the best deals for those involved in the mortgage process, including homeowners, lenders and even independent mortgage brokers. Professional loan consultants work with the homeowner in order to understand their needs and assist them in choosing the best mortgage program. Even people with less than perfect credit may be able to obtain a mortgage that will help them repair their bad credit, reduce their monthly payments or buy a home.

• Second Wholesale Mortgage Lenders

These mortgage lenders offer a range of second mortgage finance programs to help homeowners choose the right option. A second mortgage lender offers competitive rates for different loans. There are different types of second mortgage programs, like a cash-out second mortgage that can be taken out for debt consolidation and home improvement. It can also be used to consolidate high interest credit card debt. It could mean a re-mortgage and be used to purchase another property.

The lending criteria set by second wholesale mortgage lenders are very strict, though the cost is similar to first mortgages. There are also potential tax consequences as the second home or property could be classified as providing the rental income to the owner.

• Online Wholesale Mortgage Lenders

There usually are no upfront costs or obligations when you apply with an online mortgage lender. It offers flexibility both in applying online as well as in obtaining information about various mortgage programs. Quotes are also available for free and the homebuyer is under no obligation to apply with the lender. Rates and costs are easy to compare, since there are many available materials online to help the home-buying process. For advice on which online lender to choose, a professional mortgage advisor may be of help.

• Sub-Prime Wholesale Mortgage Lenders

These are lenders specializing in loan programs for those with less than perfect credit history. Sub-prime mortgages are usually written at a higher interest rates compared to ordinary mortgages. Because of the high cost, it can help in establishing or re-establishing a good credit record. Sub-prime mortgage lenders help credit-impaired borrowers obtain a mortgage. A sub-prime mortgage is for a short period compared to other programs. In order for a borrower to qualify for a sub-prime mortgage, a significant deposit amount towards the home is expected.

Electric Scooters Love at First Spin

Posted in Electric Scooters on April 28th, 2007

As people start driving electric scooters, they find more and more reasons to like them. They’re practical, easy to park and get great gas mileage. With gasoline price raising day by day, the popularity of playful, fuel-efficient electric scooters has soared. According to industry experts, last years sales have doubled compared to a year ago, and only in 2005 more than 300,000 electric scooters were sold.

The hard-core scooter enthusiast enjoys the feel of scooting which many people compare to skating on land. For those who live downtown, scooters make the everyday commute fun and easy, and most models are compact enough to be taken onto public transport and then stored under a desk for the rest of the working day – and you can recharge the battery. Electric and motor scooters allow you to save money on gas – even Vespa, the grand dame of scooters, easily sips one gallon of gas during 50 miles of city ride.

Some people turn to scooters after losing their driving privileges; some find the scooter more romantic than bike and enjoy so-called scooter dates. Many people in the Far East switched to electric scooters for the fear of SARS, and this summer many scooter enthusiasts proudly looked up at their fellow city dwellers, as they were suffocating in jammed streetcars and buses.

No matter why people choose motor and electric scooters today, the thriving sales have resulted in many new models with exiting features and design.

One of the most popular scooter models is the eGO-2 Cycle, which combines the best features of a bike and an electric scooter. eGO can be used as a bicycle but has all the equipment of a scooter, including headlights, turn signals, brakes and throttle. With aluminum silver-plated chassis, this work of art can easily make up to 25mph climbing hill – and weighing less than 120 lbs! The eGO retails for around $1400 depending on a retailer.

Another two-wheeled whiz kid on the block is a Xootr, a cross between a skateboard and an electric scooter. Although Xootr can take you around at the speed of 10 km it has neither suspension nor real brakes but with its extremely light-weight, these disadvantages are easy to live with. And when the batteries run low, you can still propel it with kicking.

Speaking of scooters, it’s impossible to miss out the famous Vespa. These two-wheeled wonders of Italian design have enchanted Europeans since the end of 1940s, when designers Corradino D’Ascanio and Enrico Piaggio created an affordable two-wheeled vehicle for the masses. And Hollywood loves Vespa too, putting Audrey Hepburn in Roman Holiday and Nicole Kidman in The Interpreter on equally stylish Vespas.

Indeed, women comprise more than 60 per cent of all scooter owners. And with affordable prices – most scooters range from $800 to a $1000, while bigger and faster scooters can cost as much as $10,000 – scooters have quickly carved out their niche on today’s city road.

Maternity Clothes Trends

Posted in Maternity Clothes on April 28th, 2007

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

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

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

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

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

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

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

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

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

Swimming Pool Accessories Overview

Posted in Swimming Pool Accessories on April 28th, 2007

Some people say that shopping for the perfect swimming pool can be as mind-boggling as shopping for a new car. The choices of make, model, and accessories are just as overwhelming, and advice from competing salespeople often make little sense.

The most important swimming pool accessory is the pool cover. You will use the plastic cover to seal the pool for the winter and to protect the pool from the harsh elements such as wind, ice and debris. A durable plastic cover will also prevent children or pets from taking an unplanned dip. The pool cover usually needs something heavy to keep it in place, such as sandbags or plain fabric straps.

Another popular swimming pool accessory is a skimmer to collect dead leaves, branches, insects and other debris from the water surface. A skimmer looks like a huge badminton racket that collects the floating objects. A sturdy solid skimmer will save you money on the pool maintenance. Ideally you should clean dead leaves daily, because too many leaves in the pool can damage your water filters and make you use more harmful chlorine to keep water clean.

If left untreated, a concrete pool surface can be quite hard on skin and not too appealing. Many people opt for cheerful pool paints to keep the pool tidy and fun. Pool paints are usually water- or rubber based, or epoxy. When used regularly, pool paints will greatly prolong the life of the swimming pool protecting its surfaces from sun, harsh elements and chemically enhanced pool water.

Antifreeze is an essential pool accessory for those who live in colder climates. When sealing the pool for the winter, you should drain the water out of the swimming pool plumbing and pour the antifreeze into the pump and pipes. Now you are ready to seal the pool for the winter.

Pool furniture can be as basic as possible. You can limit yourself with two or three lounge chairs and a table, or you can decorate your pool side like a second living room. No matter what style you choose, remember to pick the pieces that have rubber no-mark coating on the legs so not to disrupt the pool paint. The ideal pool furniture should be able to withstand the winter under a plastic cover and still please your eye in the spring.

Swimming pool accessories and pool supplies is something that you can cut corners on. If your budget is running low, you can still keep your pool clean and safe with discount swimming pool supplies that you can buy online or in swimming pool store outlets.

However, there’s something that you can’t really save on: pool chemicals. Choosing discount chemicals may often mean choosing outdated or otherwise low-quality and deteriorating supplies which in the long run could cause pool problems that could cost you more.

On the Internet you can find a lot of swimming pool equipment stores that can sell to you for less since they don’t have overhead store costs. Choosing and buying your pool accessories can be quite time and money consuming, but carrying out proper maintenance costs much less than large repairs.

Fibromyalgia and Pregnancy

Posted in Health & Fitness on April 27th, 2007

If you have Fibromyalgia and you want to have a baby, you might be wondering what you will have to go through. There is very little known about the effects of this condition on pregnant women, and some of the research is quite contradictory. Some studies suggest that Fibromyalgia and pregnancy are troublesome together, and that expectant mothers often see an increase in symptoms, while others say that some who are pregnant say they feel better than they ever have in years.

There have been very few studies on what happens when someone with Fibromyalgia gets pregnant. A study in Norway in the 1970s concluded that women with this condition have exaggerated symptoms and are completely miserable while pregnant. They are also more prone to getting post-partum depression. Their intensified symptoms lingered as long as three months after giving birth. The good news is that the babies, however, were healthy and normal.

Others claim that pregnancy hormones might actually reduce the symptoms of Fibromyalgia. Though there are still the common ills that plague some women such as morning sickness and aches and pains, the other symptoms seemed to improve greatly while they were pregnant. It would appear that what happens during this time will differ greatly from woman to woman, and a person with this condition will probably not know what to expect until they experience it.

If you have Fibromyalgia, and you want to get pregnant, don’t let your condition stop you. It would seem that babies born to women with this condition are carried to term, are very healthy, and come out a very good weight. However, there are some things to be considered. You should remember that if you are on medications, some are not going to be safe to continue taking while you are expecting. If you plan to nurse, you may have to stay off of your medications while you are breastfeeding.

Talk with your doctor about what you can do to prepare for pregnancy. Something like yoga might be a good idea. This is moderate exercise with stress relieving qualities. This might help you feel better while pregnant, and might also help you conceive more quickly by reducing stress. Do you best to modify your diet if you have not already done so, and if you go to a new doctor once you have found out you are pregnant, make sure you tell them that you have Fibromyalgia. You might have to be under the care of both your obstetrician and your regular doctor.

A doctor might want to watch your sleep cycles while you are pregnant, as things can get worse as your body becomes more uncomfortable with the bulk of the baby in the uterus. Because many with this condition are prone to depression, that should be watched as well. Depression can intensify due to pregnancy hormones, so an anti-depressant that is safe for pregnant women might need to be prescribed.

Though you might feel better than ever, or perhaps worse than ever, there are things you can do to make Fibromyalgia and pregnancy more compatible. At the very least, it appears that you don’t have to worry about it affecting your baby, welcome news for prospective parents.

Grab your free copy of Jane Thompson’s brand new Fibromyalgia Newsletter - Overflowing with easy to implement methods to help you find out about fibromyalgia treatment and for information on fibromyalgia sign and symptoms please visit Natural Cure to Fibromyalgia.

Fibromyalgia and Pregnancy

Posted in Health & Fitness on April 27th, 2007

If you have Fibromyalgia and you want to have a baby, you might be wondering what you will have to go through. There is very little known about the effects of this condition on pregnant women, and some of the research is quite contradictory. Some studies suggest that Fibromyalgia and pregnancy are troublesome together, and that expectant mothers often see an increase in symptoms, while others say that some who are pregnant say they feel better than they ever have in years.

There have been very few studies on what happens when someone with Fibromyalgia gets pregnant. A study in Norway in the 1970s concluded that women with this condition have exaggerated symptoms and are completely miserable while pregnant. They are also more prone to getting post-partum depression. Their intensified symptoms lingered as long as three months after giving birth. The good news is that the babies, however, were healthy and normal.

Others claim that pregnancy hormones might actually reduce the symptoms of Fibromyalgia. Though there are still the common ills that plague some women such as morning sickness and aches and pains, the other symptoms seemed to improve greatly while they were pregnant. It would appear that what happens during this time will differ greatly from woman to woman, and a person with this condition will probably not know what to expect until they experience it.

If you have Fibromyalgia, and you want to get pregnant, don’t let your condition stop you. It would seem that babies born to women with this condition are carried to term, are very healthy, and come out a very good weight. However, there are some things to be considered. You should remember that if you are on medications, some are not going to be safe to continue taking while you are expecting. If you plan to nurse, you may have to stay off of your medications while you are breastfeeding.

Talk with your doctor about what you can do to prepare for pregnancy. Something like yoga might be a good idea. This is moderate exercise with stress relieving qualities. This might help you feel better while pregnant, and might also help you conceive more quickly by reducing stress. Do you best to modify your diet if you have not already done so, and if you go to a new doctor once you have found out you are pregnant, make sure you tell them that you have Fibromyalgia. You might have to be under the care of both your obstetrician and your regular doctor.

A doctor might want to watch your sleep cycles while you are pregnant, as things can get worse as your body becomes more uncomfortable with the bulk of the baby in the uterus. Because many with this condition are prone to depression, that should be watched as well. Depression can intensify due to pregnancy hormones, so an anti-depressant that is safe for pregnant women might need to be prescribed.

Though you might feel better than ever, or perhaps worse than ever, there are things you can do to make Fibromyalgia and pregnancy more compatible. At the very least, it appears that you don’t have to worry about it affecting your baby, welcome news for prospective parents.

Grab your free copy of Jane Thompson’s brand new Fibromyalgia Newsletter - Overflowing with easy to implement methods to help you find out about fibromyalgia treatment and for information on fibromyalgia sign and symptoms please visit Natural Cure to Fibromyalgia.