Mace is a type of tear gas in the form of an aerosol spray which propels the tear gas formulation that is mixed with a volatile solvent. This product is sometimes used as a self-defense device by individuals or as a non-lethal method to control suspected criminals by law enforcement officials.


The original formulation consisted of 1% chloroacetophenone in a solvent of sec-butanol, propylene glycol, cyclohexene, and dipropylene glycol methyl ether. Most formulations today now also include Oleoresin Capsicum, the active ingredient in pepper spray. This ingredient comes from a capsicum hot pepper plant.


Mace was originally manufactured under the name “Chemical Mace” by Lake Erie Chemical (a former division of Smith & Wesson) in 1962, but is now a registered trademark of Mace Security International. The Mace sold today by Mace Security International is pepper spray rather than tear gas. Many other companies now manufacture similar products. “Mace” and “Pepper Spray” are frequently used interchangeable and they are the same product.


Most law enforcement agencies require that their personnel become certified on similar aerosol spray devices such as pepper spray before using them on the field. In some agencies, participants must endure a spray directly to the face and open eyes. Chemically inactive versions of the spray are also available for training purposes.


The effect of “Mace” or “Pepper Spray” is believed to vary somewhat from one person to another. The most common effect is a burning sensation on the area affected with the spray (Victims have been quoted as saying it feels like “having your face drenched in gasoline and lit on fire”). If in contact with the eyes it causes an automatic closing of the eyes due to intense pain if one tries to open their eyes. This, along with a feeling of suffocating if inhaled, causes the person to be very vulnerable and dependent, which makes it much easier for Law Enforcement Officials to overpower a person suspected of committing a criminal act. Effects can be minimal on those under the influence of alcohol or drugs such as amphetamine or cocaine. The duration of the effects vary from 30 minutes up to 2 hours depending on the person and the treatment.


Most pepper sprays on the market today contain the active ingredient oleoresin capsicum or OC. You should try to determine that any pepper spray you are considering purchasing for self defense purposes contains OC as one of the active ingredients. The OC is derived from Cayenne peppers. These are some of the hottest peppers in the world. Unlike the original chemical Mace or tear gas, which are irritants, pepper spray OC is an inflammatory agent. Contact with mucous membranes (eyes, nose, throat and lungs) causes immediate dilation of the capillaries. This can result in temporary blindness and instant inflammation of the breathing tube tissues and systematically cuts of all but life support breathing. OC also will create an intense burning sensation on the surface of the skin. However, OC will cause no lasting after effects. The effects last from 15 to 60 minutes. Because OC is an inflammatory agent and not an irritant it is very effective on those who feel no pain such as psychotics and those under the influence of drugs or alcohol.


Is Mace Pepper Spray legal to use? Yes, in general, Mace Pepper Spray is legal to use and carry in all 50 states. There are some exceptions, however. For example, any passenger on a commercial airline flight is prohibited from carrying on Mace Pepper Spray. Mace Pepper Spray is generally classified as a non-lethal weapon and there are certain specific instances when the possession or use of ANY type of weapon should be restricted in the interest of public safety.


Certain states have there own laws that prohibit the shipment of Mace Pepper Spray to that state such as:


New York: New York residents may only purchase defense sprays including Mace or other brands of pepper spray/tear gas from licensed Firearms Dealers or licensed Pharmacists in that state.

Massachusetts: Massachusetts residents may only purchase defense sprays including Mace or other brands of pepper spray/tear gas from licensed Firearms Dealers in that state.

These states have specific laws that restrict the type of Mace Pepper Spray that can be shipped and used in these states:


Michigan: OC Pepper spray can be no stronger then a 2% concentrate (Different companies can sell different concentrations.) CS is the only Tear Gas accepted and can be no larger then 35 grams per can. No combination spray allowed.

Wisconsin: Pepper only. No Tear gas, UV Dye or combination sprays. OC can be no stronger then a 10% solution. Can must be between 15-60 grams only. Must have safety feature.

When should I use pepper spray? Although no defense item is ever 100% effective in every situation, pepper spray can help you get out of a dangerous situation in a hurry and will offer you some protection when used properly. You should ONLY use pepper spray if you are physically threatened or your life is in danger. Please note that IT IS A CRIME to use pepper spray to commit malicious acts. There have been some rare, but serious, cases where individuals have actually died after being sprayed with pepper spray. Usually this was a case where the pepper spray aggravated some other unknown underlying medical condition such as heart disease or breathing problems.


How do I use pepper spray? If you have to use your pepper spray make sure you have distance between you and the threat if at all possible. Pay careful attention to the wind direction! You do not want to fire your pepper spray if you feel and kind of wind in your face. Instead, walk around until your back is to the direction the wind is coming from. Aim the spray at the eyes and facial region of the threat then release a 1 to 2 second burst of spray. After you have done this MOVE out of the way but keep your eyes on the threat. Pepper spray can take a couple of moments to cause a reaction and by watching the reactions of the threat you will be able to determine if you will require another shot of pepper spray. Boxers have a saying “Stick and Move.”Well, the same applies here. Just remember “Spray and Move.” Once the threat is eliminated seek help and call the police.

Steve Lane is a personal security & surveillance expert and operates the on-line stores Self Defense Shop & Surveillance Shop. These stores sell a wide variety of personal self defense products and surveillance cameras and equipment that are used in surveillance work. More information on these and many other products can be found at the following web sites:
http://www.laneselfdefense.com
http://www.lanesurveillance.com

Most foreclosure relief companies offer one, two, or maybe a handful of various options that homeowners can use to stop foreclosure. While receiving an immediate solution to the situation, the homeowners are not confronting the real problem, of which foreclosure is just a symptom. It is just as important that foreclosure victims start putting together a long-term financial plan to prevent the devastating effects of another financial hardship. Here we examine a simple five-step program to completely stop foreclosure and repair their credit and begin a long-term financial plan. This program gives foreclosure victims the resources to pursue every single known way to save their homes. If they end up facing the loss of their homes and have to rebuild, it will not be for lack of trying every method possible. And even if the worst happens, this simple process is designed to clean up their credit and put them back into a house within a year after foreclosure.

The firs step in this process is to reverse the foreclosure process. Homeowners who have not been paying their mortgage need options to stop foreclosure and they need to be working on as many options at once. This may include looking for a private investor, working with the mortgage company to put together a repayment plan or loan modification, or going through our list of foreclosure loan specialists. But the first goal for homeowners is to stop the foreclosure process from running them over before they are out of options and out of time.

Recovery from the devastating affects of foreclosure is the second step for homeowners. This includes putting together a short-term plan to begin an emergency fund and a long-term plan to make sure that any financial emergency can be survived without a disaster. Regardless of being able to stop foreclosure or not, families who have faced the loss of their homes should have a comprehensive financial plan and budget that outlines their spending habits and provides structure to their monthly budget. That way, they may never fall behind on their debts again.

Cleaning up negative information on their credit reports is another important step to repair their finances completely from the foreclosure situation, and is the third step in this process. Homeowners should take the chance to repair their good names and credit histories by using the resources available to them either through self-help resources or by using a reputable company for assistance. This step includes removing negative information from their credit reports, as well as establishing a positive, on-time payment history again, regardless of past history. Within a few months to a year, previous foreclosure victims can raise their credit scores by 50, 100, or more than 100 points, allowing them to qualify for competitive interest rates without relying on confusing Adjustable Rate Mortgages or interest-only loans.

By the end of a year or so, the fourth step in the process will be ready. This involves refinancing the current home or repurchasing a new home. After a year of sticking to a budget, planning for any emergencies, and repairing their credit, the foreclosure victims will be in a situation where they can qualify for some of the best rates for home mortgages. They may end up lowering their payments by several hundred dollars a month, or they may qualify to consolidate all of their monthly debt payments into one cheaper, more manageable mortgage obligation. This is when homeowners transition from the short-term financial recovery phase into the long-term financial independence plan.

The fifth and last step in the process to be rewarded with the feeling of having become financially independent. This may mean having established a significant emergency fund and consolidating all debts into one payment, and it may mean having paid off the house completely and being able to retire early due to a wise retirement plan. But at this point, homeowners will never have to worry about any financial hardship again, as they will have the tools and knowledge that will allow them to survive any emergency. Whether it is a loss of job, medical disability or death, or divorce/separation, the family’s emergency fund will be able to get them through any problem.

Completing these five steps, from the plan to stop foreclosure to the plan to become independently wealthy and financially stable, should be the mission of any homeowner currently facing foreclosure due to a financial hardship. Every single homeowner, whether they are living paycheck-to-paycheck or are financially independent, is currently in need of a comprehensive financial plan to insure against the loss of their homes to foreclosure. From learning how to stop foreclosure, or how credit repair works, or how to retire early and never work another day in their lives, homeowners can come out of their current financial difficulties with a long-term solution and start living the life they have always dreamed of.

ForeclosureFish.com helps homeowners href="http://www.foreclosurefish.com/" rel="tag">stop foreclosure by using the most relevant information and resources available to them. With experience in real estate, mortgages, insurance, credit repair, investments, and financial planning, foreclosure victims can be assured both short-term and long-term success in being able to stop foreclosure. The ForeclosureFish.com website helps homeowners take the long view of their financial situations, and puts them on the track from foreclosure help to credit repair after foreclosure to starting a comprehensive plan to avoid facing another financial hardship. Visit their website today and learn how to put a plan together to stop foreclosure: http://www.foreclosurefish.com/

What can parents do now to prepare their kids in the right direction towards thinking for themselves and making good (or better) choices? Experience tells us that prudence can be realistically achieved not at seven (age of reason) but by the age of eighteen.

Spanish educator David Isaacs, PhD suggests that parents lay the foundation for prudence by instilling four good habits during the first seven years of life. Namely: obedience, sincerity, order, and justice. He believes that these four habits are needed in the progressive development of other good habits within the next three phases: charity and fortitude (courage) in elementary level (8 to 12), faith and temperance (self-control) in adolescence (13-15), and hope and prudence (sound judgment) in young adulthood (16-18). Furthermore, those who have these virtues will naturally find happiness and human maturity, he concludes.

Obedience

A loving but firm parental authority exercised in each home prevents domestic chaos - clutter, sickness, hunger, shouting, violence, disrespect, and rebellion. Imagining chaos in infants and toddlers may seem tolerable, but when we project this in adolescents and grown-ups with a voice, a choice, and plenty of muscle… no one wants to end up the loser. Young children must learn to obey their parents’ reasonable demands (not mere trivialities), but they also have to hear kind simple explanations to common rules, situations, and events.

It is through a consistent, regular, and clear communication of the parents’ pleasure or displeasure, approval or disapproval, happiness or sadness toward ideas, words, and/or actions that children begin to experience and understand the value system of their family. This value system will be validated, respected, or rejected in later life based on the methods used, attitudes absorbed, emotions attached, and information gathered from home, school, or elsewhere. Inconsistency will easily confuse inexperienced young minds, which have not yet learned the purpose of life.

Sincerity

Sincerity (telling the truth at the proper time and to the proper person) must be practiced at home. The children must imbibe it in the context of helping loved ones to improve (out of charity and justice). Children will likely be more confident in this type of home environment and prefer it to a contrary one.

It will be difficult for the good and true to be embraced by those who grow up with lies and end up with bad habits (or vices) and muddled criteria. If they turn cynical and become individualistic - instead of accepting their vital role in the success of their own family, as well as the larger community - they delay their own chances for true and lasting happiness. And no parent consciously wants this to happen!

Thus, it is critical for parents to expose their family members to reliable criteria and genuine good (not mere apparent good), so that they can encourage their children’s potential abilities to know the truth and to love good. This is done using two of their more important, separate, but interlinked powers of the intellect and the will present in the soul of human beings, making us all accountable.

Order

The third habit of order provides the family, especially the young children, a sense of predictability and stability because procedures are followed and many things are done properly at their place and time. Nothing ruins a child’s equilibrium more than disorder - in his caregiver, his schedule, his bed, and so on. Even parents need order to maintain their own well-being and sanity. Note that a lot of affection is more effective than reasoning in making sure family members get along well.

Justice

The young inherently value justice because of their natural demand for parental time and love, in competition with siblings, work, and other distractions (to a child’s mind). They are ready to understand the importance of fairness in what is due them (or others) in ordinary circumstances. Adults are expected to apply rules and sanctions equitably lest children rebel and defy authority figures and rules.

Children must get the message that life makes sense, rules make sense, and consequences make sense. They need to see things as they are over what they seem, and be able to choose a path that will lead them closer to universal values, or their ‘true norths.’

Get your free Smart Parenting 6 part e-course here: href="http://www.makegreatparents.com/smart.html">“How to Increase Your Chances of Raising Highly Successful Kids”

What is the one reason that most societies don’t work very well, since the start of Sumer, the cradle of civilization?

Why is the history of humankind a miserable one?

What keeps us from living lives full of hope, harmony, and flourishing success?

It is domination.

Western Civilization started in the squabbling little islands called Greece. This birthplace of democracy enforced its ideas through war and strife. Since then the history books have been written by those who won the wars.

The history of humanity is generally a miserable one because it is a history of domination. It’s supreme accomplishment will be the destruction of the world with nuclear technology.

Domination, at it’s extreme, is through the military powers. But it also trickles down through politics, the science of force and control, economics, the art of manipulation of resources, and many other agencies of any society.

What domination has always contributed to human welfare is misery. The more domination, the more aggressively it is enforced, the greater the amount of misery
you will find.

Domination is what has been invented by the ego to keep itself highly insecure. The ego thrives on fear, enjoying experiencing it and imposing it on others.

Domination stems from egoism. It’s opposite is partnership with all. This arises from
spirituality. However, the main models of spirituality, the major religions, have also been subjected to the desires of the ego and become instruments of domination.

The only way to develop true spirituality is to find the force of love within yourself and extend it to others in the form of a partnership.

Why does the ego seek fear when the real nature of consciousness is pure intelligence, love, and harmony?

It is because it is a veil that covers your Self, the deathless part of you.

The ego is that part of you that believes that your mind and your body, your life and all your experiences, are extremely limited and survival is the purpose of life.

Yet human life is fugacious. It does not last long. All models of domination crumble under the weight of time. The effort to survive forever in a human form is doomed from the start.

Would it not be better to begin a search for the best part of you, the deathless part, that came into this realm of experience to know more, love more, and experience itself more fully?

The deathless soul once it learns to move beyond fear into love, once it learns to shrug off its self-created nemesis, the ego, will see that only by living in a spirit of partnership with all life is anything worthwhile.

What can you do to change your life?

Stop living out the dictates of your ego and start to come from your heart. You will then find the right work, the right relationships, and the right way to experience the happiness hidden within.

All models of domination are egoic. They come to grief sooner or later. But who you are is more than you believe yourself to be. You are consciousness exploring itself in a world of infinite possibilities.

Saleem Rana would love to share his inspiring ideas with you. Hunting everywhere for a life worth living? Discover the life of your dreams. His book Never Ever Give Up tells you how. It is offered at no cost as a way to help YOU succeed. http://www.theempoweredsoul.com/enter.html
Copyright 2004 Saleem Rana. Please feel free to pass this
article on to your friends, or use it in your ezine or
newsletter. It’s a shareware article.

Those who are opening a dollar store soon find that shoppers have their preferred ways to do shopping. In fact most shoppers have a definite pattern that they follow after they enter your store. They also have methods that they prefer to use when examining the merchandise that is displayed in your store. By being aware of shopper preferences you are on your way to increased sales.

So what pattern should you expect shoppers to follow when entering after you have completed opening a dollar store? Expect the majority to step into the store and then turn to the right as quickly as possible. They will then proceed straight ahead to the wall. Exceptions will be if they are aware of exactly what they came in to buy and where it is located. In that case shoppers will likely make a beeline for that item. Shoppers may also be diverted if items catch their attention. Curiosity can make them move in completely different direction.

As you will find soon after opening a dollar store, the majority will proceed to the wall and then begin examining the store aisle by aisle. They will walk all the way to the end of an aisle, and then move over one aisle. The process is repeated time and again until the entire store has been examined aisle by aisle.

Having this knowledge allows the entrepreneur who is opening a dollar store to place merchandise wisely throughout the store. Impulse items can be placed where they are most likely to be found by shoppers. High margin items can also be placed where sales are more likely to occur. Finally, the lowest profit margin products such as daily needs can be placed so that other, higher profit margin items will be seen first.

Give it a try when opening a dollar store. Used wisely this one tip can increase sales significantly.

To Your Dollar Store Success!

Are you interested in owning your own Dollar Store?
Visit http://www.openingadollarstore.com for more information.

Those who have suffered back and neck injuries know that sleeping comfortably can be difficult after an injury. Even sitting in front of a computer too long can cause such injuries, which typically take a long time to heal. Today’s specially designed body pillows can help you get a comfortable night’s sleep while you are recovering. For some, they provide the right support over a lifetime.

There are many types of Body Pillows and this article is a brief overview of various body pillow designs to help you determine what might be most beneficial for you.

Shoulder and Neck Support Pillows come in many different designs. Some are standard pillow sizes with extra support along the long sides, with a hollow in the middle for your head. They are available in Memory Foam or standard foam configurations. Others are simple, straight rolls positioned under your neck, close to the base of the skull, where they serve as acupressure, relieving strain on your neck. Still others are U-shaped so you can position the base of the U under your neck and rest your head against either side. The straight and U-shaped rolls are both versatile for other affected areas and easy to carry when you travel.

Water pillows are standard pillow-size casings filled with water and covered with standard pillowcases. Like their counterpart waterbeds, they provide exactly the firm support needed by your head and shoulders, no matter what size and shape you are. The water pillow conforms to you! Support is distributed properly between your head and neck. Experiment in filling them to achieve the firmness that you desire.

Buckwheat Hull Pillows provide similar support for neck, head, and shoulders, but with tiny buckwheat hulls rather than water. They come in standard sizes so you can use your own pillowcases to cover them. They have hidden zippers so you can add or remove hulls to achieve exactly the firmness you need.

Visco Memory Foam Pillows are hard to beat (except in price) as they contour to your head and neck to promote proper body alignment. Memory foam pillows shape themselves to all types of sleepers, reducing tossing and turning. Temperature sensitive, they dispel body heat to provide a comfortable sleep for each shape.

Smaller rolls are available to place anywhere you need additional support, such as under your knees or under your neck as you sleep on your side. They can also be stored easily and used for power-napping at the office.

Sleeping Body Pillows are long and narrow to provide support for shoulders, knees, hips, and back. By providing a soft but firm surface for resting your arm and leg across the pillow, they promote better shoulder, hip, and spine alignment. This serves to improve circulation and reduce stress on the spine and lower back by distributing weight across a broader surface and relieving compression on the lower parts of your body as you sleep on one side. Best of all, they are single pillows rather than several pillows placed and replaced at key sore spots as you change positions during the night.

Maternity Pillows place the greatest support under that growing belly. As pregnant women know, sleeping on your right side is recommended but difficult, after only a few months, without proper support. Sleeping soundly is hardest toward the end, but that’s when you need the best sleep to be prepared for birth and the demands of a new baby. Maternity Pillows maintain proper circulation by supporting key places as you sleep.

Visco Memory Foam Mattress Toppers cover the entire bed, providing broad-based support that contours to the body, relieving pressure points to improve the comfort from your existing mattress. A fraction of the cost of an entire mattress, Memory Foam Mattress Toppers can improve all types of guest beds, sleepers, and RV/Camping mattresses.

Comfort Reading Pillows are large squares, sewn in two segments to provide extra support for your lower back. They are specially designed to support your back while sitting upright and leaning back for reading, listening to music, or watching TV.

Here are some general recommendations for purchasing body pillows:

1. Choose products composed of hyperallergenic fiberfill or buckwheat hulls rather than materials that may cause allergic reactions.
2. Choose designs with removable covers for laundering.
3. In warm climates, choose Visco Memory Foam over other synthetic materials that allow heat to accumulate, reducing sleeping comfort. Memory Foam Pillows maintain a constant temperature.

Mary Engle is a contributor and author for the website href="http://futonsandbeanbags.com/">Futons and Beanbags

There is a lot of interest in alkaline foods and foods
that product alkalinity in the body. Yet, people are not
learning about the importance of the alkalinity/acidity balance
that creates perfect health.

While it’s true that the body is slightly alkaline, there is
a balance that is maintained in the body that uses acidic foods.

In fact, our intestinal system is highly acidic, and needs to be
acidic in order to digest food properly.

Our saliva and blood, however, are slightly alkaline, measuring about
7.3 to 7.4 on the Ph scale. Any decrease in these levels leads to
the formation of disease and illness.

Too many people are learning about the powerful benefits of the alkaline
diet, and excluding acidic foods from their diet, and this can be very dangerous.

In order to maintain optimal health, the human body requires our diet
to contain roughly 20-25% acidic foods.

The remaining 75-80% should be alkaline producing foods, such as celery,
cucumbers, and other well loved fruits and vegetables.

If the body does not have enough acid producing foods to digest, it begins
to cannibalize the body, in order to create acids from parts of the body
you really should not be giving up.

Be sure to maintain the correct ratio of acid and alkaline foods, and ensure that
optimal health is what you achieve.

The alkaline diet is too important to your health to ignore, and consuming the
right quantity of acidic foods is key to reaching those amazing energetic highs
that can be yours.

Click here to get a free copy of the best selling book The Alkaline Diet, complete with

advanced tips and the best list of the acid and alkaline foods.

Ever since The Secret came out more and more people are beginning to learn about attracting dreams into their lives and the power of their thoughts and manifesting their goals into reality.

There are other books on the same topic as well - The Cosmic Ordering Service, Ask and it is Given and many other resources.

The Problem
The problem here is that majority of the people out there do not know how to perform the visualisation exercise. They try it for a little while, nothing happens and they go back to their dreary lives muttering how The Secret doesn’t work.

I know because that’s exactly what I did -until I found out how to put my visualisations on jet fuel. The secret lies in using all your senses and by generating a successful feeling before visualising. Most people will close their eyes and imagine their goal ………. And that’s it!

This doesn’t work

The Solution
The way to do it is to fully engage your body and your senses in the exercise. Here is an easy step by step process to kick start your visualisations.

1)-Relax your body by naming the body part and stating is now soft and relaxed - eg My head is now soft and relaxed, my neck is now soft and relaxed etc

2)-Remember a time when you were successful at something - it doesn’t matter what it is but See, Hear and Feel what you felt. It could be at work, at home it doesn’t matter as long as you get that happy successful feeling in your body.

3)-Now with this happy successful feeling in your body like a gentle hum of success. Visualise your goal.

4)-See it clearly, imagine all the surroundings, hear the voices or noises around you, feel how it would feel to achieve that goal! Make it as real as possible

And that is it - this 4 step process will ensure that your visualisation leave you charged up and excited just waiting for your dreams to manifest in your life!!

Remember the secret to succeeding is all in Step 2!!! Visualising with your body already vibrating with the feeling of success puts your visualisation on jet fuel.

Do you want to find out the fastest way to ignite your dreams and goals into reality. Visit http://www.dream-manifesto.com You will be able to creat an affirmation, attach an image of your goal to it and have the affirmation played back to you in your own voice. The most powerful manifestation vision board i know - http://www.dream-manifesto.com

If you are in the market for a refinance loan you are probably also trying to find ways to get the lowest interest rate possible. This article will offer some advice about how improving your credit score, timing your refinance loan carefully, buying points, shopping around and not cashing out the equity in your home can all help you attain a lower interest rate.

Improve Your Credit Score

Improving your credit score can take quite a bit of time but if you are planning ahead you might want to consider doing everything you can to improve your credit rating before applying for a refinance loan. This is important because lenders are more likely to offer favorable interest rates to borrowers with high credit scores simply because they are considered to be a lower risk than borrowers with low credit scores.

Time Your Loan Carefully

Timing your refinance loan carefully is also important. Interest rates vary and waiting for the interest rates to drop can be very beneficial. In fact many homeowners who weren’t planning to refinance at all begin to consider refinancing when there is a considerable drop in the interest rates because they realize this translates into saving a great deal of money over the course of the loan period.

Consider Buying Points

Purchasing points can also help to lower your interest rates. However, it is important to consider your overall savings in comparison to the costs of the points. The amount of time necessary to recoup the costs of the points should also be considered as purchasing points does not make sense unless you plan to remain in the home long enough to recover these costs.

Shop Around for a Refinance Loan

It is also important to shop around to a few different lenders when seeking a refinance loan. While shopping around consider the interest rates the lender is offering as well as all of the other costs associated with the loan to make the best decision possible.

Don’t Cash Out the Equity in Your Home

Finally, if you are considering a refinance loan, it is wise to not cash out the equity in your home yet. This is helpful because lenders are more likely to offer lower interest rates to homeowners who have a great deal of existing equity in their home than they would to homeowners who have little or no equity in the home.

Low Interest Rate Mortgage Refinance Companies Online - We maintain a list of recommended mortgage companies online and update the list regularly.

Poor Credit? See a List of Refinance Lenders for People with Low Credit Scores- We also maintain a list of refinance lenders specializing in poor credit.

In this day and age we can all be forgiven for not being aware of the latest technology and actually how it all works. I know that I am personally a lard-head when it comes to some of the changes and new innovations. I prefer to ignore complex things and, therefore, end up playing catch up all the time. However, some things are worth finding out about and, in fact, are not as complex as they first seem.

You may have heard mention of a service called VOIP. It stands for Voice over IP, which is a means of communicating with others using the internet.

Basically, VOIP records your voice and sends it electronically to the receiver- working just like a telephone. You can even hook the service up to your regular telephone with an adapter- making it extremely cost effective as your new phone, since some services offer free VOIP.

You will need a high-speed internet connection to use it- but the benefit of saving money is well worth an upgrade if needed. The major drawback is that you can not connect to emergency numbers like 911- a very alarming fact. If you want to make such an emergency call, you will have to use a cell phone or land-line phone instead.

Many use VOIP because of the cheap rates, and some services offer VOIP free. It is expected to gain much more support in the future, as internet connection speeds will improve in time- making the potential customer base much larger. If you haven’t already, you may want to check into VOIP, and tap into the large amount of savings you could be experiencing with this new technology.

Eric Hartwell oversees “The World’s Best Homepage” intended to be a user-generated resource where YOUR opinion counts. Anybody can contribute and all are welcomed. Visit us to read, comment upon or share opinions on computers and visit our associated site articles for free.