In our daily life we often face a situation where we need some emergency cash to solve our needs such as medical expenditure, car maintenance etc. These are the times when people are hit from financial snags and it requires some fast extra cash to meet the needs.

Payday cash advance is the best answer to negotiate these emergency financial attentions. The biggest benefits of payday cash advance is you can get the loan pretty fast and directly into your account. Sometimes it takes only few hours to transfer the loan in your account.

Procedure to get Payday cash advance

It is very easy to get payday cash advance as all you have to do is to apply for it. The lender then verifies the information you supplied. Your credit report is not checked but it is necessary that you should be employed. Applying and getting loan is very quick procedure and it may be approved in a few hours too. Also online appliers get extra benefit in the matter of time and comfort as the loan is granted quickly. Often you are required to submit your last pay cheque slip or bank statement.

Payday cash advance is a short-term loan

It is a short-term loan usually granted for 2 to 4 weeks. So it’s necessary to pay it on or before due date. Its interest rate is a little higher then traditional loans but a borrower can’t feel the burden as it is to be paid in a short term. It is advised that one should not extend his payday much and take more pay day loans as it may cause a remarkable increase in his debt. Always one should keep in his mind before securing a payday cash advance is that it is a short term loan and should be paid on due date.

Advantages of Payday cash advance

One of the most significant advantages of payday cash advance is that it is approved easily and takes minimum amount of processing time. It meets the emergency needs of day-to-day life. Also having poor credit generally does not matter in the approval of payday cash advance. The interest rate varies from lenders to lenders. Usually some lenders give concessions to the regular customers. Also the requirement for the qualification for payday cash advance is very simple in terms. All you need is to be an employed person drawing regular salary.

Conclusion

As you can see that payday cash advance is a boon in disguise for them who are really in need of some fast cash to meet their emergency requirements such as medicals, repairing of car or home etc. Also getting a cash advance loan is much easier and faster then traditional loans. Even though the interest rate is a bit higher then traditional loans, it can’t be felt by the borrowers as it is paid in a short duration. Only thing that needs to be kept in the mind before going for cash advance pay day loans is that, it should be repaid on time.

Alec Reece has a way with dealing with loans for a long time. Writing articles is just a way to extend this to consumers and provide empowerment through information. To find cash loans, same day cash loans, easy cash loans visit http://www.easycashloans.co.uk

Most of the people searching the internet are doing it via the major search engines and
directories. So how can you get your share of that enormous amount of targeted traffic?

First of all stick with the big guns! The two largest directories are Yahoo! and ODP
(Open Project Directory). The three largest search engines are Google, MSN and AOL.
Do not waste your time on the others unless you have time to spend. Remember that
the above will deliver 98% of your site traffic.

You don’t have to submit all the pages. The search engines robots will finds their way
thru your site and index the remaining pages. If some of your deeper pages are not showing
up create a site map. That will help the crawler to identify your site structure and
index all the sub pages.

Create and optimize your ”title” tag with your targeted audience in mind. Your ”title”
tag is a crucial factor since it’s usually the most important factor that determine
how the search engines will rank your website. You must also create a keywords rich
and well written ”Description” tag to get the visitors clicking on your listing.

The ”keywords” tag is far less effective than it was. This is mainly due to people
using keywords spamming. I am still using ”keywords” tags but I don’t pay to much
attention on them.

One last word of advice: Never put all your eggs in the same bag! Search engine marketing
is not the only way to make money out of your website.

To Your Success!

Want To learn More About SEO? Get your FREE SEO Newsletter With Hundreds Of “killer” Website Marketing Tips And Tricks.

Serge Daudelin, SEO Consultant.

Affordable Search Engine Optimization Services.com

Professional And Affordable Search Engine Optimization Services Trought Natural Search Engines Results.

Serge Daudelin is a Internet Marketing Consultant & SEO Specialist who has written over 300 articles in print and 5 published ebooks. Serge is dedicated to helping others and offering the best information on how to make more money online.

If you are considering the purchase of a new home, try to have as much money as possible for your down payment. While it is true that you can obtain a mortgage with as little as five to ten percent down, and even with zero money down, ideally; you would like to have at least twenty percent of the purchase price for your down payment.

Should the cash available for your down payment be less than twenty percent of the sale price, you will be required to obtain private mortgage insurance (PMI) from your lender. The purpose of PMI is to protect the lender should you default on your mortgage loan.

What is the cost of private mortgage insurance? The cost will vary depending on the lender, the amount of the mortgage loan, and the size of your down payment. In most cases, you will find the charge for PMI to equal about one-half of one percent of the money borrowed.

Here’s an example, lets say you purchased a home for $300,000 and put down a ten percent down payment of $30,000. The mortgage amount would be $270,000. The lender would calculate your PMI charge by multiplying $270,000 by 0.005. The result would be an annual PMI charge of $1350. This charge would add an additional $112.50 to your monthly mortgage payment.

Unlike the interest paid on your mortgage, charges for PMI are not tax-deductible.

You will have to continue paying for private mortgage insurance until the equity in the home exceeds twenty percent. It certain economic conditions it could take years to pay down the principal enough to get rid of the PMI. However, in a market where housing prices are rapidly increasing, it will happen a lot faster. Should the value of your home appreciate enough to cause your equity to exceed twenty percent, you can have the charges for private mortgage insurance dropped. In order to prove this, you may have to pay to have your home appraised which will show that the home’s value has increased. This home appraisal may cost a few hundred dollars, but this expense will be recovered quickly by having your monthly payment reduced.

If you are unable to make a twenty percent down payment, is there any way to avoid having to pay PMI? Yes, you will have a couple of options.

The first is called a “80-10-10″ mortgage. This involves taking out two mortgages. The first mortgage will be for 80 percent of the sales price, and the second mortgage would be for 10 percent. The remaining 10 percent represents your down payment.

In this case, the second mortgage would have a slightly higher interest rate. But since this higher interest rate is applied to a smaller amount, it is still less expensive than paying one large mortgage with PMI. Also, you receive added savings because the interest is all tax deductible.

Your second mortgage option to avoid paying PMI would be to pay a higher interest rate. Many lenders will gladly waive the private mortgage insurance should you agree to pay a higher interest rate until your equity exceeds twenty percent. After reaching the twenty percent mark, your interest rate would be lowered.

The initial higher interest rate will usually range from 0.5 to 1 percentage point. Again, the higher the down payment, the lower the interest rate increase. Here again, you will have the advantage of the added interest being tax deductible.

Copyright 2007 Carl DiNello

Carl DiNello is an Article Author whose articles are featured on websites covering the Internet’s most popular topics.

To read more on this topic, please visit Finance Information!

You may republish this article on your website, or e-zine so long as none of the content, or author information has been edited or changed in any way, and all links are left active and unchanged.

Still Kicking Video Games Around?

Where is the connection between Speedlearning and Video Games?

Answer: the greater your knowledge of how your brain works, the
easier you can implement tripling your reading speed and doubling your memory.

Corny, but true - information is only potential power. Potential becomes actual when information is converted into knowledge through practical usage. Our economy values ideas and inventions that improve life; we all do. It is called
Know-How and the Electronic Age.

Indiana University has an ongoing research program on the difference between
violent video games and entertaining but non-violent games. It started in 2002 at
the School of Medicine by Vincent P. Mathews M.D. and W.G. Kronenberger, M.D.

So What

How they prove their research is important; they wire up the players to an fMRI
(functional Magnetic Resonance Imagery) scan. The results capture the activities of specific brain structures as both violent and non-violent games are played.

Violent games activate a part of your brain called the amygdala, located in the Limbic System of your right brain. It directly runs our emotions through our Sympathetic Nervous System producing Adrenaline (epinephrine) and Dopamine.

Remember, your right brain contains the emotional controls and pattern recognition skills required for playing both violent and non-violent videos.
It is not black or white; you need skills of your right brain for both kinds of videos.
What you do not need is a runaway amygdala.

Left Brain

Non-violent games activate a different structure located on your left brain, specifically called the prefrontal cortex. This structure controls your attention, concentration and self-control. It is the executive functions of logic, order and reason. Wait. Non-violent videos do not turn on your right-brain amygdala.

These games are operated by our Parasympathetic Nervous System producing
Acetylcholine, the hormone of relaxation, not adrenaline and its feelings of
kill or be killed and fight-or-flight.

Profound Fact: hardwiring in your brain comes from repetition activity or thought
over a period of time. What happens is a creation of a habit that goes on autopilot.
Use it or lose it is a brain reality, and so is non-use produces atrophy, death through
disuse.

Mentally underline this: the greater your usage of a brain program, the stronger it becomes. Can you memorize this? Neurons that fire together, wire together;
they strengthen the long term neural pathways in your brain.

For the brilliant stars: usage is the stimulus that keeps on giving. Repetition of use stimulates the connections (links) between the Dendrites (receivers) in your
brain cells (neurons). Afterwards they run your programs on autopilot.

Endwords

There is a major difference on how the brain reacts to playing videos based
on the users past experience (12 months) of playing violent or non-violent
games, and seeing nutty movies of mass murder. The more violent games and DVDs in their personal history, the stronger their amygdala works to easily arouse powerful emotions in the player.

How does this modify personality and change life outside of video game playing?

The results are not conclusive, but they indicate a powerful warning. It is not
viewing or playing a random game or movie that causes an adolescent to find a
automatic weapon to destroy twenty of his favorite tormentors in school.

It is the constant stimuli and mental diet of violence that causes a loss of reality
between a game and live humans. How much? It is estimated the average teenager
spends up to 5 hours daily on the computer, TV and Video Games. Multiply by an
average of six days weekly, and in fifty-two weeks we have a mind with a slippery
view of reality.

Last thought please: Dr. Paul MacLean is the developer of the Triune Theory of the brain. It has over a half-century of scientific acceptance, yet it scares those who
examine its tenets. You should understand it because it reacts powerfully with your self-improvement in learning, reading and memory.

a)-We have three brains in our skull, not one. Yes, really. The three are interconnected by nerve fibers.

b)-Think of the three as interconnected computers.

c)-The oldest, MacLean calls, the Reptilian Complex - Go Lizard and reptiles.
It produces your ancient instincts and reflexes serving your survival.
Remember: territoriality, aggressiveness, sex, hierarchy, rituals, survival and
self-preservation; and our vegetative (automatic) functions.

d)-Next, is the Limbic System, home to our emotions, and based on avoidance of
pain and repetition of pleasure. Included are your amygdala, hippocampus
(memory) hypothalamus, brainstem and basal ganglia. The amygdala can
and does highjack our reason and logic through emotion when it deems it proper. Some find these actions dangerous and scary.

e)-The newest brain is the one you are most familiar with, your Neocortex, logic, reason, linear and deductive analysis. We see it as our left and right brains and takes up 2/3 of the entire 3-pound brain territory.

f)-Each of the three brains is independent of the others, separate in intelligence, memories, and subjectivity, with its own sense of time and place.

g)-It is an urban myth that our Neocortex runs the show and dominants the other two. In dangerous circumstances, the Limbic System and Reptilian Complex rule the roost. When you are rejected, insulted, fired or you become frightened, envious, experience angst or distress, Limbic and Reptilian become excited to action.

h)-It is the two silent brains that often decide if an idea from the neocortex gains entrance as your behavior. They have a veto power because they decide if your decision or choice feels good or bad, cool or hot.

Dr. MacLean did his basic research at Yale Medical School in 1949 and at the National Institute of Mental Health in D.C.

He called our neocortex is the mother of invention and the father of abstract thought. MacLean suggests we be more than aware of the power of our Reptilian and Limbic, and seek to control its influence over our decision-making and personality.

And now you know more about the big picture of your brain and its context
(framework).

See ya,

copyright © 2007
H. Bernard Wechsler

Author of Speed Learning for Professionals, published by Barron’s; partner of
Evelyn Wood, creator of speed reading, graduating two million, including the
White House staffs of four U.S. Presidents.

Interviewed by the Wall Street Journal and fortune Magazine for major articles.

http://www.speedlearning.org
hbw@speedlearning.org

Are you tired of being one of the rats in the race? Would you like to spend more time at home with family, friends, or engrossed in your favorite hobbies? What is stopping you? Ah…yes, you need money. What if I was to inform you that you can have the best of both worlds? Would you read on?
Owning your own franchise is the ticket in making a lot of money while enjoying things in life you love. It does not take much to start and the chances of failure of very low as well. All you really need is the passion to succeed and some insight to get you started. I can’t help you with the former but I sure can with the latter…

Choose the Right Franchise

There are a variety of franchises to choose from. One of the first steps to take would be to survey your immediate area (or area you are thinking of opening the franchise) for population of potential customers, competition, and cost of renting, owning, or building space. The success of franchises available will depend on the location it will be established.

“It is not real work unless you would rather be doing something else.”

Talk to Current Owners

One of the fantastic aspects of franchising is that you can take advantage of the experience and insight of owners already making money. Either phoning or meeting with others that have bought into the franchise will be a great idea to help you get started. You can use their experiences to gain preliminary knowledge of what to expect.

Do Some Investigation

The owners of the franchise may provide you with an estimate of possible earnings, but this should not be a number taken for an absolute. A seller must inform and provide you with actual documents delineating the actual success of the franchise. Do not accept broad and unsubstantiated promises of earnings regardless of how successful the franchise name is.

“Men for the sake of getting a living forget to live.”

Evaluate Cost

There most likely will be an enticing (generally low) initial fee the franchiser will charge you. This will be factored in with premises, initial stock, and equipment (some equipment may be offered by the franchiser). You will have to establish yourself as an individual business entity despite being a part of a larger franchise. Successful franchises will want you to pay a royalty fee to ‘reward’ them for offering to sell their successful name. You will have to factor in ongoing costs along with initial fees in calculating just how much the venture will cost you.

Professional Advice

There is a high success rate with buying into franchises, but it may not be for everyone at all times. Seek the advice of money consultants upon embracing this venture. They will be able to assess your current situation, your options, and the likelihood of a positive outcome. Seeking the counsel of those who specialize in the area of franchising will allow you to ‘finely tune’ the process.

“It’s not work if you love what you’re doing.”

What Are You Waiting For

There is some risk involved, but the ownership into a franchise is a very lucrative business venture. A great deal of the brain work can be done even before delving into your pocket. Take the necessary preliminary steps needed and you will be on your way to not having to work ever again!

FranchiseFetch.com brings great business opportunities to the public. We offer a multitude of already successful franchises encompassing many areas of business to choose from. Being your own boss without having to worry about the risk involved in opening a brand new business is a dream job that we can offer you.

A self improvement solution that works for many people who work for others is to start a home-based business. The positive features and benefits of working at home often outweigh the negative impact of working for someone else that brings along with it long hours, low pay, poor work duties and responsibilities and much more. And thus self improvement results - in a big way.
Here are some of the main improvements that happen for those who choose to work a home-based business.

Opportunities - Suddenly the work-at-home individual has more choices to make, chances to make dreams come true again like during childhood. Business opportunities are wide and plenty from starting a daycare for children or elderly, to starting a mail order business, to running a consulting business, to selling real estate to building a business online and much, much more. No longer do you have to dwell on one job for all your income, one check to cover all your expenses. You can finally dream again of increased income, fun work that you want to do, different duties and responsibilities - in short, change - that you choose and want. Deciding to work at home is like getting freedom from slavery or drudgery.

Flexibility - A home-based business offers you a chance for flexible hours. No more rush-hour traffic, working the night shift or getting up at 4 AM military time. You choose your hours, work part time, full time, any time. Of course at first, you may have to work more and longer hours to get your business started. But after that, you can grow your business how you want, setting your own hours and hiring help or outsourcing work to cover the other times. Spend more time with your spouse, your children, your own self. Schedule fun, take time off like school teachers and don’t work summers.

Work / Decision Making - A home-based business means you get to forget about filing and hire someone else to do that. You can forget about “the customer is always right” being a policy, too, and finally have your say-so and turn rotten clients away if you want. You can also raise rates and give yourself a raise. You can also give back to the community in ways you’d like without being force to contribute a portion of your pay to an organization not of your choice. You’re the boss and you get to run the show, so enjoy.

So take advantage of your opportunities to improve yourself!

Health, life & Love is a motivational website offering articles on health, life and love. We are dedicated to the happenings of life and how to better anyone’s day to day living.

The Herbal Remedy | Alternative Healing

Podsafe music is music which is “safe” to broadcast over the internet through podcasts. The term “Podsafe” is a broad term that may refer to any one of many given licenses granting permission for use of music explicitly in podcast broadcasting, although the use of said music may not be implicit to other forms of broadcasting such as radio or television. Many of these licenses, but not all, are valid generally upon the satisfaction of giving attribution to the artist or creator, and an implied agreement to noncommercial use of the works.

The use of music which is not considered to be podsafe could result in legal action, fines, or retribution for works used. Now as many podcasters are beginning to look to turning a profit from their podcasting, the distinction between what would be considered noncommercial and what would be considered commercial is becoming a little more vague.

Unfortunately as podcasting continues to grow wildly in popularity the use of music which is not licensed and is not podsafe continues to grow as well. Many of these podcasters may not even be aware that the music that they use is not properly licensed for podcasting. It wouldn’t be surprising that if in the future the RIAA would begin to aggressively target podcasters, both those who willingly infract on artists’ licensing rights, and those who unknowingly do so.

The use of music in podcasting is varied ranging from daily radio shows, sampler shows, band reviews, and simple background music. For those who have decided to use music which has been established as podsafe there are several web sites, where aspiring and established podcasters can go, that list and offer podsafe music. Most notable, and my personal favorite, is GarageBand.com, a fantastic website for aspiring artists, clearly has music marked whether or not it is under a Creative Commons License. Another site with a large availability of podsafe music is PodsafeAudio.com.

The single general rule of using music in your podcasts should be that if you are unsure if it’s podsafe, then you shouldn’t use it. It’s better to be safe than to be sorry. Nobody wants a wonderful hobby to turn into a financial liability, considering the fact that over the past decade the RIAA has turned from a simple guard dog into a ravenous and rabid 800 pound bear, who would want to chance it.

David is a freelance writer and chief editor for PodcastFerret.com podcast directory, where you can find feeds, download, rate, and comment on podcasts.

Cufflinks have a real image problem. They are perceived as a high class luxury item for the wealthy and the upper crust; an extravagance, if you will for the elite members of society. While the cream of the crop certainly do tend towards connecting their French cuffs with a pair of top of the line cufflinks, this doesn’t mean that you can incorporate them into your wardrobe too.

Cufflinks were originally born of necessity. Simply put, in the old days, shirt were made to be worn with cufflinks. Men would either fold one cuff over the other and push the link through (these were called barrel cuffs) or they would push the insides of the cuffs together and pop the cufflink through (these were called “kissing cuffs”). The latter style is more popular and considered more “proper.” With this style, both ends of the cufflinks are visible from the outside of the shirt.

Over the years, the popularity of cufflinks has waxed and wanted but they never die out. They are quite simply a fashion statement and and extravagance that men will always make a priority. These days, there are more styles, colors and themes for cufflinks than ever before. They are also more affordable than ever before. This has led to cufflinks becoming quite the collector’s items as well.

Cufflinks make a statement. A man that wears cufflinks cares about himself enough to dress right. They also can make a statement about the wearers personality. You can choose from so many different themes that there is bound to be a style for you, from NFL teams to Martini cufflinks to occupational designs for lawyers and doctors. These also make great gifts no matter the recipients interests.

Personalization is another unique aspect to cufflinks. Add a pair of initials to a stylish pair of silver cufflinks and you’ve branded them as yours. Looking for groomsmen gifts? What better way to thank your buddies than to present them with a pair of cufflinks that they can wear on your big day and for years to come. They will be sure to appreciate you for such a thoughtful gesture.

Them important thing to remember is that you don’t have to be the Duke of Earl or a Wall Street Banker to take advantage of wearing cufflinks. Men from construction workers to delivery men wear them when they don a dress shirt and so can you. Don’t have a dress shirt? Well then we can’t help you!

Simon is a freelance writer and is in charge of content writer for Executive Gift Shoppe. They are an online retailer of designer men’s cufflinks, money clips, business card holders and pocket watches. Their products are perfect for groomsmen and executive gifts.

Conferencing services can be very useful in business when you need to communicate with multiple offices, clients, or agents in order to discuss large projects or important company news, but some people may have worries about the security of large conference calls especially if they are arranged by an outside conferencing service. Since security is vital to any business, it’s important that you feel comfortable with the security of the conferencing service that you choose; to assist in this regard, please consider the following information about conferencing services, the security of conference calls placed through them, and suggestions for how you can improve conference security as well as in-house alternatives to conferencing services in case you still worry about the security of your situation.

An Overview of Conferencing Services

Conferencing services exist so as to allow businesses to have scheduled conference calls and long-distance meetings without all of the hassle that was once associated with conference calls originating from within the main office. The call originates from the conferencing service, connecting with all of the participants simultaneously and linking them via an conference bridge. When the various parties of the conference call are finished with their portion of the call, they can simply hang up the phone and they will be disconnected from the conference bridge.

Conferencing Security

With a third party organizing the conference call and maintaining the conference bridge that links the parties of the conference together, some people may worry about the security of their company secret or the information discussed within the conference. This is generally an unfounded worry, however, as much of the process is automated and the calls to the participants are made by an autodialer program contained within the conference bridge itself. Depending upon the company that is acting as the conference service there may be recordings or logs that are kept of the meeting, but these are automated as well and stored as encrypted files to prevent them from being stolen or broadcast. These logs and recordings are usually purged with regularity, and are kept only long enough to deliver a copy to the company who hired the service or to make sure that the recording won’t be needed.

Improving Your Conference Security

There are a number of things that you can do if you are still unsure as to the security of your company’s conference calls which are placed through a conferencing service. Make sure that vital information is sent via other means, either as password-protected e-mail attachments or private conference calls initiated from within the company offices. You might also be more selective about the conferencing service that you choose to handle your conference calls, taking the time to review several different services and checking for any complaints with the Better Business Bureau or similar organizations. Meet with representatives of different conferencing companies and request information about the type of bridge that they use for their calls and about how much employee interaction there is with the conferencing process and how much of the process is automated.

As an alternative to using conferencing services, you might also consider purchasing a conference bridge for the company and using it to make sure that all of your conferences are in-house. This will allow you to have a direct hand in the security of your company’s long-distance meetings and will insure that no one outside of your company has any access to the conference call or its participants. Over time this option may also prove to be less expensive, as you won’t have to continue paying the fees of conferencing services in order to have your calls automated from a central location.

If you’ve had the unpleasant experience of refinancing your mortgage you know that there’s nothing fun about it. Paperwork by the ton to fill out, followed by a shopping list of lender fees, and you have the recipe for a very laborious and costly process. As much of a pain as refinancing can be, there are times when refinancing your mortgage will be a smart move.

With current interest rates the past few years hovering at or around historical lows, thousands of homeowners have refinanced their mortgage to take advantage of these low rates, and to reduce the amount of their monthly mortgage payment. Depending on the interest rate of your old mortgage, these new rates can potentially save you hundreds of dollars per month, and many thousands of dollars in interest over the term of your loan.

These low interest rates also make it a great time to consider refinancing your adjustable rate mortgage. Why take the chance of interest rates going up in the future, when you can lock in a lower rate with a fixed rate mortgage, and sleep good no matter how high interest rates may go.

Perhaps, you financed your home with a balloon mortgage, and will eventually be forced to refinance, or sell before the balloon payment comes due. It may be a better idea to refinance your mortgage now while rates are low.

Many people refinance their mortgages because they have substantial equity, and need some cash. Low interest rates make this a great time to refinance the amount currently owed, along with the additional funds they need.

When considering refinancing, remember; refinancing a mortgage is not free. While it is possible that should you refinance with your current lender you may receive a break on some charges, there are still several thousand dollars in fees to pay. That’s right, several thousand! Don’t forget the necessary closing costs that come with refinancing.

So, when do you start saving money? This depends on how long you remain in the home after refinancing, as well as how big a difference between the old interest rate and the new interest rate. The longer you remain in the home, and the bigger the difference in interest rate, the quicker you will begin to save.

As an example, say your current mortgage is $1,400 per month. Should you refinance, your new mortgage payment will be $1,100. That’s a monthly savings of $300.

Now, keep in mind that by lowering your mortgage interest payment you are also lowering the deductible amount on your tax return. You must reduce your monthly savings by the amount lost in tax write-offs.

For example, if you were in the 25 percent tax bracket, your monthly savings is reduced by $75 ($300 X 25% = $75). This means your actual monthly savings would be $225, and not $300.

How do you know when your break even point will be? Easy, simply divide the closing costs by the true amount of your monthly savings. If your closing costs were $4,500: Take $4,500. divide it by $225 and your break even point would come in 20 months.

Copyright 2007 Carl DiNello

Carl DiNello is an Article Author whose articles are featured on websites covering the Internet’s most popular topics.

To read more on this topic, please visit Finance Information!

You may republish this article on your website, or e-zine so long as none of the content, or author information has been edited or changed in any way, and all links are left active and unchanged.