As a domain reseller, I think that's a short-sighted attitude because it makes customers only more determined to leave your service as soon as possible!

What you need to remember is this....

When you transfer your domain name, one year's validity is added to the domain's EXISTING expiry date. So no time is ever lost when you transfer your domain!

For example if your domain still has 6 months to go before expiry and you transfer it now, it will have 18 months after the transfer completes.

So the moral is ...

If you've decided to transfer your domain to another registrar, don't wait until renewal time comes around. Transfer it now!

The only exception is if you recently registered or renewed a domain name. You will then have to wait for 60 days before requesting a transfer. The reason is that domain registrars have a common rule against this.

Many were ripped off in the past by fraudsters who didn't pay their credit card bills and the registrars then had nothing in hand, neither cash nor domain

We believe that the combination of FIS distribution system and industry know-how with the highly regarded products and proven expertise of Credit Suisse will bring considerable value to the financial marketplace as well as to the investing public. This agreement will also give us the opportunity to provide our clients exclusive access to these innovative derivative instruments which have become an important tool in structuring diversified portfolios.Fixed Income Securities, LPFIS provides a comprehensive fixed income resource designed to provide financial professionals with efficient access to the fixed income market. The firm specializes in providing innovative income products, portfolio analysis and customized investment strategies. Established in 1979, FIS has major offices in Arizona, California, Colorado, Kansas, New York and Texas with a staff of more than 150 investment professionals nationwide. Further information about the products and services provided by FIS can be found at http://www.fisbonds.com.Credit SuisseAs one of the world's leading banks, Credit Suisse provides its clients with investment banking, private banking and asset management services worldwide.

Credit Suisse offers advisory services, comprehensive solutions and innovative products to companies, institutional clients and high-net-worth private clients globally, as well as retail clients in Switzerland. Credit Suisse is active in over 50 countries and employs approximately 40,000 people. Credit Suisse's parent company, Credit Suisse Group, is a leading global financial services company headquartered in Zurich. Credit Suisse Group's registered shares (CSGN) are listed in Switzerland and, in the form of American Depositary Shares (CSR), in New York. Further information about Credit Suisse can be found at http://www.credit-suisse.com.

In its Investment Banking business, Credit Suisse offers securities products and financial advisory services to users and suppliers of capital around the world. Operating in 69 locations across 33 countries, Credit Suisse is active across the full spectrum of financial services products including debt and equity underwriting, sales and trading, mergers and acquisitions, investment research, and correspondent and prime brokerage services..

Of note this week was Citi's move to chop down the rate on its CitiBusiness card two full percentage points, to 10.49% from 12.49%. Citi also added a 12-month, zero-interest introductory offer to sweeten the deal. And they're not the first issuer to increase its aggressiveness in courting small business owners."For a while now card issuers have been holding rates steady for business customers," says Justin McHenry, Research Director for IndexCreditCards.com. "But to see an actual decrease in the average rate during a time of consistent hikes for consumers is surprising. It tells you there's money to be made in the small business niche, and that no one is dominating that space right now."Credit card rates were steady in most other consumer and business credit card segments this week:The average rate for reward credit cards offering rewards ticked up to 14.46%, from 14.44% last week and 13.80% at the beginning of 2006.

Business credit cards offering rewards did not follow the non-reward cards' movement backward, but neither did they move forward. The average rate remained at 13.42% for the third straight week, although up a bit from the 13.21% average rate at the beginning of the year. Average credit card rates for college students remained steady (for once), at 15.87%. Nevertheless, that number has jumped mightily from the 15.18% average at the beginning of 2006. Financial institutions represented in the survey include Advanta, American Express, Bank of America, Capital One, Chase, Citi, Discover, MBNA, National City, Providian, Pulaski Bank, U.S.

Bank, Wachovia, Wells Fargo and more.About IndexCreditCards.comIndexCreditCards.com offers credit card research, tips, news and perhaps the most comprehensive index of credit cards available on the Internet today, with a master listing of over 800 credit cards as well as categorized lists based on interest rates, reward programs, business credit cards, student credit cards and credit cards for those with poor credit histories.Credit Card Monitor is a weekly survey tracking average credit card rates in multiple card categories. Credit Card Monitor information provided in this release may be reproduced free of charge, provided credit is given to http://www.IndexCreditCards.com. CONTACT: Justin McHenry, 216.221.0312 WEBSITE: http://www.IndexCreditCards.com.

Some lenders may require you to carry private mortgage insurance or to pay your mortgage through ACH deposit. Get the terms in writing, so that you can compare them with other lenders.2. How about my credit? Your credit score may play a huge factor in deciding which lender to go through. If you have bad or no credit, many lenders may not be able to help you. So you will want to find a lender that offers sub-prime loans for borrowers of your credit status.

Bad credit does not necessarily disqualify you for a loan, but it will make the process a bit more difficult.3. What is their reputation? The lender will delve into your personal and financial history, so why shouldn't you do the same? If the company is public, you should have no trouble finding financial and news information. Look for recent mergers or restructurings that could indicate a potential problem. Be weary of lenders that are not publicly traded. Many lenders use the same underwriters, so do your homework beforehand.4.

How much will the loan cost me? Closing costs can be a major concern for most homeowners. You probably need the home equity loan because you are short on funds or in debt, so coming up with a few thousand dollars for closing costs can be all but impossible for many borrowers. Your lender should be able to provide you with a good faith estimate (GFE) that will outline the fees that you will be responsible for.5. How long is the process? A typical home equity loan, should not take more than a month on average. Ask your lender how long the process will take from the initial application to receipt of the funds.

This can be particularly critical if you are needed to do repairs on your home, such as purchasing a new water heater.6. Is the staff knowledgeable? Never underestimate the power of a good customer service representative. Ask the loan officer and others in the office the various questions that you have. They should be knowledgeable on the loan process, and be able to guide you through the process.7. Early payment penalty? If you won the lottery or got a big raise, would you be able to pay your loan off early? Many people forget to ask this question when choosing a lender, but it can save you thousands of dollars.

So, make sure that if you choose to sell your home before it is paid off, you will be covered.Use your common sense when choosing a home equity loan bank. Research the company just as you would with any major purchase. Don't be afraid to ask questions, and to try another lender if you don't get the answers that you desire. It is your home and your money on the line, so do your homework!.

It's always wise to manage credit card usage intelligently. One should not go for too many credit cards. Credit car experts will always suggest having one or two cards. Owning multiple credit cards usually damages a holder's credit status.

To be on the safer side, you must to be on time to pay all utility bills. Delay in paying those bills will affect the credit report adversely.

Compulsive buyers are prone to fall into credit card debt. Credit counselors can be of great help for them. They will guide those buyers to use credit cards more judiciously. The counselors will also help them manage credit card debt effectively so that their finances get back on track. Another straightforward way to eliminate credit card debts is to do way with credit cards altogether and switch over to debit card.

Debit card will put a leash on spending. Alternatively, people can also go for a secured credit card. The applicant has to pay the bank a fixed fee as guarantee to own a secured credit card.

Another rule says that you should use a credit card only in emergencies. It's always advisable to pay back the expenses a soon as possible. Using credit cards is always fraught with some risks.

So, you need some planning and budgeting to use credit cards in a sensible fashion. Credit card usage usually goes up during holiday seasons. If you are using credit cards during that time, don't forget to maintain an accounting of spending..

Instead of going along with the crowd that reelects the incumbents in Congress 95% of the time, you'll learn why you must vote against all congressional incumbents regardless of party or record. Nothing less than a voter revolution will motivate Congress and the White House to enact campaign finance reform that removes the cancer of Influence-Buying-Money from the political system.Log on to www.incumbentbusters.org and learn how to make Congress accountable to the people.It is time to bring common sense back into politics and transform Congress from a "Ruling Class" into a government of the people, by the people and for the people. ABOUT ONLINE SOLUTIONS GROUP, LLCTwo brothers with the support of family and friends started Online Solutions Group, LLC. The impetus for incumbentbusters.org came out of concern that Congress was no longer accountable to the voters, but instead indebted to its campaign financiers. Shortly after the Enron disaster so clearly showed how Congress' self-serving campaign finance practices endangered our democracy, Alan Delaney and Archie Haynes stopped complaining and starting acting.

Archie and Alan provided startup funding for IncumbentBusters.org (ib). Others contributed their time and talent. Ongoing funding comes from donations and gift store sales..

So I was thinking about it and wondering if I could find a data entry job part time. You know one that will pay me for the work I get done and I can do it at my pace. Ideally they could give me a certain amount of work for a week and I could just do it that week when I get a chance, but as long as I did it I would get paid.

There have to be data entry lobs like this out there. Okay so they probably don't pay as well as the other more steady ones but they would still pay.

If these types of data entry jobs prove impossible to find maybe I will simply do what all my friends threatened to do when college got to tough; stuff envelopes or fill out online surveys. Hey I am going to be a poor struggling law student, I am not to proud to stuff envelopes, I will just have to invest in a lot of bandaids.
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And bad news for men: Older Caucasian males have the highest mortality rates from melanoma. Exposure to UV radiation accelerates the normal aging process of the skin and also damages the genetic structure of skin cells, which contributes to the development of skin cancer. Cigarette smoking can have the same effect.UV Radiation consists of two types of harmful rays Short Wave Radiation (UVB rays) and Long Wave Radiation (UVA rays). SPF measures the length of time a product protects against UVB only. So SPF is not enough and consumers need to know this.

While there are several ingredients that protect against UVB, and some ingredients give you partial protection from UVA rays, but only a few ingredients can give full protection against UVA radiation. BodyTools 3 great moisturizers: oil free, fragrance free Face Guard, After Shave Repair and Protect and our Citrus Body Armor are all formulated at the SPF 15 level and contain butyl methoxydibenzoylmethane (Avobenzone, Parsol 1789) to provide complete protection from both UVA and UVB rays to maximally protect against the harmful skin cancer and wrinkle causing rays of the sun.. The BodyTools commitment is to provide complete UVA/UVB sun protection for men in everyday products that they would be using anyway. BodyTools SPF 15 formula moisturizers also contain the BodyTools exclusive Anti-Oxidant PowerBlend", a highly concentrated formula of Vitamins E and C, Retynyl Palmitate, and Alpha Lipoic Acid that helps provide maximum protection from free radical damage to impede wrinkles and premature agingBodyTools and labodytools.com are the creation of The Body Mechanics? Al Wines, Jr. and Dr.

Steven May, PhD. Their mens skin care product line, BodyTools, has been lauded for its unique formulations which focus on maintaining the health and fitness of a mans skin while providing a masculine grooming alternative that uses the most progressive anti-aging and wellness treatments available. Mr. Wines has nearly 30 years experience in buying and merchandising body care products, cosmetics, and fragrances at Hudsons in Michigan, Broadway in California, and Macys San Francisco. Dr.

May has a 28-year career in the health and wellness field. The Body Mechanics? are dedicated to bringing you the most advanced skin care products containing clinically proven ingredients to help reduce the effects of aging on the skin. Each of their simple, all-natural products is carefully formulated to work with minimal effort and maximum effect.Know the Facts. Fight Back With BodyTools!.

"The settlement could cover anywhere from 50%-75% of the cost to repair or replace the damaged siding. For a $150,000 home, $4000-$7000 in relief is common under this process."According to HADD, the process of identifying the siding, applying, and the common pitfalls of the claims process can discourage a homeowner from applying or continuing the process. The information guide was created to help the homeowner avoid these problems. The document can be found at www.hadd.com for a no cost download. HADD has also written other self help guides including homebuyer guides, and dispute resolution guides.

More information on the various siding settlement can be found at www.hadd.com/masonite.HADD, a national nonprofit organization incorporated in the State of Kansas, is comprised of individuals from across the country that share a common bond of owning a defective home. There are over thirty HADD Representatives in 25 states advocating for quality construction, accountability, and ensuring fair laws are in place for consumers across the country.For Further Information Contact:John R. CobarruviasPresident HADD Texas281-486-5203 H281-483-9357 We-mail protected from spam bots.

Insurance companies have coverage that can meet the needs of any business owner. The most known type of business insurances are business property insurance, covering your company's building, software, supplies, and other property in the event of a disaster. However, there are many other types of insurance including employer's Insurance, public liability Insurance, lorry or van Insurance, office insurance, product Liability etc.For getting insurance coverage for your business, you will need to find responsible, trustworthy and reliable insurance agent or broker. Ask friends and acquaintances in the same kind of business about the agent they use. You should ask the agent or company that provides your personal insurance for advice on the kind of insurance you need for your business.

Contact your business trade associations to see if they sponsor an insurance program for your business. Make sure the insurance agent you pick has adequate knowledge about your business's insurance needs. Your agent can tell you what to do to reduce the likelihood of theft, disasters, injuries to visitors, employees and workers, and other business-related losses.Before choosing an insurance broker or agent one should keep following things in mind:1)Choose an agent with higher deductible Deductibles represent the amount of money you pay before your insurance policy starts. The higher the deductible, the less you will have to pay for the policy.2)Buy a package policySometimes it can cheaper to buy a package policy instead of buying individual policy or coverage. By purchasing your insurance policies from one company, you may be eligible for discounted rates just as you would if you were taking out homeowners and auto policies for your family.3)Ask about various ways to prevent loss You may be able to reduce your premium for certain coverages by following your insurer's recommendations.

These can include workplace safety, disaster preparation, and human resource intervention.4)Knowledge of policy coverageYou should have full knowledge about the policies coverage which you are about to buy. So if any disaster occurs then you will have knowledge regarding insurance coverage.You can save your business from disaster there are many ways to prevent your business from disaster:1)Give Training to your employees in fire safety, particularly those who are responsible for storage areas, housekeeping, maintenance and operations. 2)You should give a thoroughly check to electricity system. You should use modern electrical system. Faulty wires are the large percentage of nonresidential fires.

So get good quality wires in your business premises3)Make duplicate copies of both computerized and written records.4)Do some research before a disaster strikes by finding alternatives like facilities, equipment and supplies, and locating appropriate contractor to repair your facility.5)Set up an emergency plan and training to employees, how to execute it.These points are to be looked for before signing onto the business insurance policies, these are usually written in fine print..