fort lauderdale florida: March 2010

Lake Mary And Seminole County Florida Mexican Restaurants - A Great Place For Family Fun

Have you considered a Lake Mary and Seminole County Florida Mexican restaurant when you are planning a night out with your family? It is an ideal location for good food, and great atmosphere. Mexican food is a particular favorite among kids and they will be thrilled with your choice of restaurant.

When you are planning a night out with the family it is always a good idea to plan in advance. This eliminates any unnecessary waiting and the chance that you won't be able to do exactly what you planned. Get out your yellow pages and look at the variety of restaurants in your area. Find the Lake Mary and Seminole County Mexican restaurants and give them a quick call. You should find out if they prefer reservations or if a diner can typically get in right away. If they accept reservations make some for your family.

If your children have never experienced real Mexican food they are in for a treat. Once you arrive at the restaurant let the kids check out the menu. Answer all of their questions about what this is or what that is. If you are unsure of any of the items feel free to ask your waitperson. They will be able to answer any questions about the food. It's probably a good idea to have the children order something that is not too spicy. Let your waitperson know that you are doing this and they will probably be able to make some recommendations.

Traditional Mexican food is flavorful and delicious. Your kids will love it. If you have all ordered something different make it a point to sample each other's dishes. This is a great idea for getting a complete taste of a variety of Mexican dishes.

Sit back and enjoy the atmosphere of a Mexican restaurant with your family. Your children will be happy for the experience and you will enjoy the night away from the house and the chore of cooking.

Once you complete the meal take a moment or two to savor the moment. You can now go on with the rest of your family night out. You can now head on over to the movie theater or the bowling alley for some more family fun. Be sure to take note of what your children enjoyed while they were eating dinner. It will help you know what to order the next time you choose a Lake Mary and Seminole County Mexican restaurant for dinner.

Now you know, a Mexican restaurant is an ideal location to bring your children and enjoy a fun filled family night out. You can be assured that the next time you are planning your night out that Mexican food will be high on your children's list of favorite restaurants. It's always a good idea to expose your children to new and different foods and cultures. Your night out at the Mexican restaurant has accomplished that goal.

Keep an eye out for our next article, as we will be giving our recommendations on the best Mexican restaurants in Lake Mary and Seminole County.

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Paying South Carolina Property Taxes - Vital Tips For Taxpayers

Cities in South Carolina charge property taxes at the local level, which depend on public budgets. Public schools, police, fire support and public libraries are a few among the many which run as a result of property taxes in South Carolina.

The variation in the tax rates in various localities is very large. Your house value and the millage rate are the important factors which determine the tax you will have to pay. The first priority is adjudged by a local tax assessor who compares it to the market value. The above value is updated every five years for the above given reasons.

Both the property value for the locality and the revenue requirements to meet the future budget are taken into consideration while creating the annual local budget. This also helps evaluate the millage rate. An important fact to be noted here is that the millage rate can be dropped whenever necessary but a general meeting between various countries has to held every time they are raised. Thus the public have first hand information and also have an opportunity to gain knowledge on the changes and the causes for them.

In terms of paying property taxes the state is also known to be 44th amongst the other states. $642 is the amount an average owner of land shells out on a $113,00 house annually.

If the assessment of your house value turns out to be higher than you had expected it to be, you can put forward the same to your tax evaluator. He will then reassess the same. Your taxes will also be deducted as a result of poor adjudging.

Reduction in taxes for homesteaders is also an important aspect to be noted. An exemption is granted on the present home on the basis of ownership of the other. Only one house at a time can be filed under such a clause and in most cases it's the house given for rent.

The homestead exemption is valid from the first time one files it. It hence need not be repeated. If a resident of south Carolina is over the age of 65, is blind or disabled, he/she is eligible to apply for extra exemptions. Also, veterans from the military or those who were killed during duty hours and people suffering from paraplegia and hemiplegia have no taxes to pay for their homes and an extra acre.

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Where To Find The Best Discount Dental Plans In Florida

There are several discount dental plans in Florida that provide big savings on both routine and major dental work. Most plans will offer savings between 10-60%, depending upon the plan you choose and the procedure that you have done.

Prices for discount dental plans in Florida start out as low as $80 per year for an individual plan or as low as $150 for an entire family per year. These discount dental plans focus greatly on preventive maintenance, which means that you'll save substantially on getting your teeth cleaned regularly, along with in depth check-ups, x-rays, fluoride treatments, ect. However, when you do need something major taken care of don't think that you'll be on the "low end" of the savings chart because that's not the case. I was just reviewing one discount dental plan option that's available in the Miami, Florida area, zip code 33150. The cost of joining this particular plan is a little higher per year than some of the others, with individual plans starting at $119.95, however, the savings are simply fantastic. Here are a couple of examples.

The usual cost of an in depth check-up would usually be $67.00, but with this plan you would only pay $10.00. Full mouth x-rays would normally cost $104.00, but with the plan your cost would only be $30.00. Check this out - The regular cost of an upper denture is $1252.00, but with this discount plan you would only have to pay $485.00. That's a savings of $767.00!

Of course, this is only one example of discount dental plans in Florida. The savings may be less or more, depending upon the discount dental plan that you choose and the area of the state where you reside.

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Real Estate - Pricing Homes In Florida

Pricing a home is not that simple. It requires a good understanding of the market conditions since the buyers' and sellers' market differ widely in each state, city or neighborhood.

You would also need a good evaluation of the house to be sold such as checking whether the house needs major repairs or just minor ones. It takes more than just an estimate of a price range.

Employing the services of a real estate agent

Before selling a home, especially in Miami, Florida, you need to properly price it so you need to take the services of a real estate agent who will evaluate the condition of your home before suggesting a price for it. These reviews reveal the needed improvements for the house such as painting, cleaning or minor repairs for an added value of the property.

For houses that need major overhaul, it may cost you a significant amount depending on the repairs required. However, this will make the resale value of your house up to 85% of the money you shelled out for the repair.

With all of these things at hand, the real estate agent will now have an idea of the price range that he can suggest for your house. Usually, they do a Comparative Market Analysis to determine the value according to location and market conditions in order to come up with the best price for the property.

It is also important that you ask yourself the worth of your house then discuss it with your agent. If you think the house is not selling for quite a long period of time, ask your agent if there is a need for a reduction of price.

Pricing real estate in Florida

Homes located in attractive neighborhood with a few homes listed for sale and haven't been there for quite long means there is a good opportunity for you to sell soon. However, the picture is different from the other side where there are lots of houses listed for sale and have already been there for a considerably long period of time. This case requires immediate assistance from real estate agents since you might need to revalue your house to attract more buyers.

It is also helpful if you review some homes listed for sale that are situated in your neighborhood and also their DOM or days on the market. It will definitely give you a good idea about the buyers market in the place. You might also want to check the local news for availability of jobs in the vicinity because typically, home buyers search properties in places near their workplace.

Pricing requires certain things that should be taken into account and it doesn't necessarily mean that the estimate you have is enough. In all cases, it will still require the professional services of a real estate agent.

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Packaging Containers (Forms) For Milk And Dairy Products

Bottle

The glass bottle still continues to be used for packaging of milk in some parts of the world. However in several developed countries and some of the developing countries it has lost ground to single service containers for packing milk.

Carton

The cartons are the preferred medium or form for packaging milk. They are also used for packaging liquid, frozen and coagulated milk products. Cartons are commonly made of food grade paper coated on the inside with wax or plastics; or lined with paper, plastic films or aluminium foil; or made of laminates. The merits include maximum space utilization in vehicles, and storage; ability to carry attractive printing and convenience as a means for stacking milk at super market shelves.

Retailers in the developed countries consider it the best available package for self-service selling. Cartons also play a role in the bulk packaging of milk. Cartons are commonly available either as preformed containers or as pre cut blanks ready to be formed in to containers. The carton systems in common use is

Perga (preformed) U.K

Pure pak (precut) USA

Zupack, Blockpak (precut) Germany

Tetra pak (precut) Sweden

Sachet / Bag / Pouch

Flexible waterproof plastic bags are commonly used for packaging milk and liquid dairy products. Since it is difficult to pour from these, a jug is usually also provided. The popular laminate for such bag is black or dark brown (to exclude UV light) or white. The bags may be formed from either a reeled or flat film. Generally it is a form-fill-seal system. Generally, ultra violet light is used to sterilize the films. The bags are heat-sealed and cut, the common sequence being to bottom seal, fill, move down on sachet length, top seal and cut off.

Can

This is commonly used for packaging all types of solid, semi solid and powdered dairy products. Cans are traditionally made of soldered tin plate steel, generally lacquered on the inner surface to prevent corrosion. Aluminium cans have now become famous. Cans are the most convenient for gas packing.

Box / Tub

It may be made up of wood or paper board. White wooden boxes / tubs are used for bulk packing of butter and butteroil with butter paper / plastic liners, paperboard boxes are generally used as over-wraps.

Barrel / Cask

Commonly made up of wood and coated with wax on the inner surface. Used for bulk packaging of sweetened condensed milk, semi solid butter milk / whey, butteroil etc.

Cup

They are generally made up of paper with wax or plastic coating on the inside. Used for packing frozen dairy products such as ice cream and coagulated milk products.

Collapsible tube

They are made up of aluminium and lacquered on the inside. Low cost, lightweight, ease of handling and dispensing, product protection are its advantages. Used for packing semi fluid products such as sweetened condensed milk, processed cheese spread etc.

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South Florida Light Tackle Fishing

As you might guess, South Florida offers just a few fishing opportunities. Here is an overview on South Florida light tackle fishing.

When many people think of fishing in Florida, they think of either deep sea fishing or bass fishing for a lunker in an inland lake. There is another type of fishing that is drawing fisherman by the thousands to south Florida. It is light tackle fishing on the tidal flats. This is one of the most challenging fishing experiences that can be found anywhere. It is an experience that combines just about everything that makes fishing worthwhile.

It is very often sight fishing. It involves pulling a monster tarpon out of eight inches of water by dropping a fly right on its snout. The use of light tackle makes it much more sporting. The challenge of pulling in a 30 pound fish with 8 pound test line is what makes the true sports fisherman drool with anticipation.

One of the things that contributes to the overall fishing experience is the scenic surroundings. It is hard to beat the Florida Keys and the offshore flats for natural beauty. The brackish waters on the edges of the Everglades is another place where the surroundings compete with the fishing experience for your attention.

Unless you live in south Florida and have a lot of time to spend on honing your light tackle skills, you really need an experienced guide. Luckily there are plenty of them available and they are not prohibitively expensive. The guides are needed not only to bring you quickly and surely to the fish, but also to give you the necessary training in the use of the light tackle used. This is especially true for the use of the fly fishing techniques that are used in the extremely shallow water.

Selecting the right guide is the key to a successful South Florida light tackle fishing expedition. There are several factors to consider. Personality is important. It is always good to spend a bit of time talking with a prospective guide before committing yourself. A good relationship between client and guide is often a key to success due to the close quarters involved. The boat is usually a skiff or other smaller flat bottom boat. Another factor is the location of the guide's take off spot compared to the fishing areas. You are paying for time here and want to spend it fishing and not traveling. If you take a bit of time and select the right guide, you will soon be off on one of the greatest and most challenging fishing adventures available anywhere.

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Quit Smoking Help Product - Do Any Of Them Work?

There's some great quit smoking help products out there, but you've got to know the differences between them and what is right for you. There are several methods these products use to help you quit. I'll discuss the two main methods below and give you the best choices available.

1. First, many of the quit smoking products focus on weaning the body from nicotine slowly. They do this by providing nicotine in specific doses and then tapering you off the nicotine slowly in specific increments. This can work well for many people, but some people have complained that it's not pleasant and they'd rather quit more abruptly.

Many of the patches use this method to help people quit smoking. It's very important that you strictly follow the directions given and you don't smoke while using them. The body is delicate during this quitting process.

Supplementing the body with nicotine and slowly decreasing the levels has been one of the oldest methods used. These types of quit smoking products have been around the longest.

2. If you want to eliminate all nicotine from the body more abruptly, then you should probably use a current herbal quit smoking aid. These products have been used successfully by a lot of smokers too. They focus on masking the effects of nicotine with specific herbal combinations.

Many people prefer this and it's more like quitting cold turkey because nicotine is immediately cut off from the body. Some people even claim they have no side effects from quitting because the herbs do such a great job of masking the effect.

Yet when you finally quit using the product, your body doesn't crave the herbs like it craved the nicotine in the past.

This article outlined the two main methods that popular quit smoking products use to help the patient overcome nicotine addiction. I would suggest that you review the top choices available and choose what is best for you.

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South Beach Florida Hotels

South Beach in Miami is the most famous tourist destination for youngsters perhaps, for its night life. The pulsating music of Latin beats along with the intoxicating aroma of Cuban cuisine from the road side cafes makes this destination irresistible for any connoisseur of food, music and carefree life.

Even if you are one of those people who plan for every trip at the very last moment, you have nothing to fear when it comes to getting your hotel reservations done for South Beach hotels. You just need to go online, choose the kind of hotel that seems most suitable to your budget and go ahead with the booking. You have the option of taking your pick from a long list of luxury resorts and hotels, medium budget accommodations, those that are extremely pocket friendly and places that offer special discount packages.

The prices of rooms on per night per person sharing basis can range from anywhere between $20 and $800 depending upon your choice. While even the cheapest hotels will offer you the luxury of the view of the beautiful South Beach, the high end accommodations come with a number of other conveniences that can make your trip truly memorable. Rooftop swimming pools, bar and lounge, private luxury suites with excellent room service, 24hrs-internet access and a number of other amenities makes the money spent on these luxurious accommodations worth it.

The hotels listed in the "standard" category or the medium budget accommodations too are equally competitive. You can get almost all the facilities that are offered by the luxury destination at these hotels, only at cheaper rates. Whether it is a twenty four hour reservation desk or room service, a swimming pool, a bar or a concierge, these hotels have it all. Most of these hotels also boast of their excellent restaurants.

It would not be wrong to say that a large variety of choices makes selection more difficult. Advertisements are meant only to guide; one must keep one's requirements and budget in mind and carefully select the accommodation. So, choose the best to make your stay at South Beach a truly memorable experience.

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Swimming Pool and Spa Water - 5 Simple Steps to Crystal Blue Water

The 5 simple steps to a crystal blue swimming pool and spa environment and the keys to enjoying your backyard oasis and investment each and every day.

#1 CIRCULATION - Moving water creates a clean and enjoyable swimming experience. Why? Because you'll get the most effective use of your sanitizer when you achieve circulation to every nook and cranny of your pool. The more movement your backyard oasis experiences, the harder it is for bacteria and algae to find a foothold, grow and set up housekeeping on the internal surfaces. The source of all circulation is the pump, which feeds the filtration system. As water passes into the filter system, cleaning begins, which is another beneficial byproduct of circulation. It's BEST to schedule circulation during daylight hours. Aim to have circulation for approximately 8 hours per day.

#2 FILTRATION - The filter in the equipment system is the piece of apparatus which accounts for your backyard oasis sparkling and clear appearance, removing both visible and invisible debris from the system. As the pump circulates freely, the water flows through the filter. Once the pump basket captures the large debris, water rushes into the filter, which traps microscopic particles. Over time the filters ability to remove microscopic matter diminishes as the filter media essentially becomes full. At this point the filter must be disassembled and the media cleaned.

#3 CLEANING - Daily scrubbing of you're the internal surface is not necessary but once a week brushing helps to free any debris that your filter or automatic cleaner might miss or leave behind. Brush steps, benches, walls and the floor. The physical movement on the surface eliminates lurking, unseen contaminants that increase the murky factor of your pool and spa.

#4 TESTING - Be proactive and you'll avoid clarity problems. TEST YOUR CHEMISTRY FREQUENTLY - At least 2 to 3 times per week. Nothing saves more money and time than preventing problems and nothing prevents problems better than testing frequently. When testing, examine pH and active sanitizer levels. By monitoring these two items at regular intervals, you'll soon discover patterns in your system. Also, regular testing allows you to detect how having lots of swimmers (versus only two or three) affects your chemical readings. As you respond to test results by adding the appropriate chemical treatment product, you'll learn how to gauge how each product affects the chemical balance.

#5 MAINTENANCE - Maintaining a crystal clear swimming and spa environment isn't magic. The secret hinges upon adding the right products at the right time in the right amounts. The keys to maintenance are Sanitization, Oxidation / Shock, Algae Prevention and Chemical Balance. When you master the basics, your investment rewards you with a sanitary environment, the cornerstone of a refreshing swimming and relaxing experience. Balancing the chemistry also protects your equipment and internal surface; unbalanced chemistry can actually damage both items permanently.

Master these five steps and enjoy your swimming pool and spa each and every day! Ignore these simple key items and plan on sending more time maintaining than relaxing.

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Florida Beach House Rentals

Florida is one of United State's blessed states in terms of beaches and resorts. It is a friendly state famed for the Walt Disney World Resort and Universal Orlando Resort which makes it a crowd-drawer. The Florida Keys are breathtaking, thus making it one of the most preferred spots to look for Florida Beach House Rentals if you're looking for a house where you can stay for short-term or long-term stay.

Because Florida encloses long stretches of nice beaches that begin from Gulf of Mexico and extend up to the Atlantic Ocean, it's no doubt highly visited by sea adventurers, divers, honeymooners, swimming enthusiasts and families. Real estate developers have put up residential infrastructures for Florida Beach House Rentals that provide middle to high-end costing. Are you going any farther than where you can be sheltered right next to one of awe-inspiring beaches in the United States?

Florida Beach House Rentals are of varied types and locations. A few of them are Seagrove Bungalow, Water's Edge in St. Augustine, and secluded units enhanced with a view of the gulf at Little Gasparilla Island. One of the top resident drawers is Miami Beach at the southern tip of Florida. If you expect Miami to be a hot residential and vacation scene, then you are right. Consider the house units at Fort Lauderdale where almost 6.5 million visitors are captivated of its scenery. It's even dubbed as "Venice of America" for its aura of romanticism, effortless beauty and serenity.

To grasp more information about Florida Beach House Rentals, you can get yourself linked to sites of Clearwater Beach Rental, Destin Beach Rentals, Florida Beach Rental, Florida Keys Vacation Rentals, Florida Vacation Home Rental, Fort Myers Beach Rental, Miami Vacation Rental, Daytona Beach Vacation Rental, among others. A number of house units for rent are spread all over the sunshine state. If residing in Florida, you don't need to go so far away from home just to swim deep, sunbathe, play beach volleyball, witness sunrise and sunset, and explore the beauty of nature.

What you are expected to gaze at when getting one of Florida Beach House Rentals are unspoiled beauty of Mother Nature, lush green and crystal clear beaches, and white sandy seashores. You will also be proximate to mall establishments, specialty shops, excellent bistros, golf courses, water parks and cinema theatres. You won't also miss the privilege to enjoy daytime at Gator Park and historical Everglades.

Florida Beach House Rentals are perfect to avail not only when summertime is up but all seasons of the year. Units include bungalow types, condominium units, apartment rooms and private lofts. Everywhere in Florida flaunts that essence of belongingness that tells you are a part of the nature-embracing Western nation.

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How To Handle Personal Injury Cases Successfully

When someone else's fault or irresponsibility causes physical or mental injuries to you, as a citizen of United States you have all the rights to file compensation for the damages. A personal injury caused by someone else's negligence is quite common these days. With diminishing sense of responsibility, tolerance and respect as observed among the mass, physical or mental injury due to others' recklessness can happen to anybody. Learning your options against various forms of personal injury would be good for you.

Option 1:

Take legal action by yourself: Federal law allows you to file complaint and take legal action against the entity that has caused damages to you. As a victim you have the right to complain and claim compensation for your losses.

Problems with this Option:

If you decide to begin legal proceedings against an entity by yourself, chances are you would find the whole process complicated and time consuming. The opponent party would equally try to win the trial. Handling legal matters is not easy. Gathering proofs and records, informing the witnesses about the trial, ensuring presence of all the witnesses on the trial, presenting the documents properly to the bench of judge and juries and many more tasks are there which may seem tough to accomplish.

And if you somehow manage to take it to the end, you may be awarded an amount that hardly covers your damages. The compensation amount may fail to cover money spent for medical treatment, car repairing and other activities needed to get back your mental peace and normal lifestyle. That is why you need professional help. Let's see how the other option can help you:

Option 2:

Seek legal advice: You can always visit local lawyers or attorneys specialized in Personal Injury Compensation Claim. It is always suggested to take help from a lawyer of your state because a state lawyer has a better grasp over state laws than the attorneys from other states. Hence Florida residents should always consult Florida lawyers while filing personal injury compensation claims.

Advantages of this Option:

Your Florida attorney investigates the case thoroughly. Acceptability of evidences in court, the weight of the speeches of witnesses, medical reports if any and many other aspects of the case are checked before presenting them to court. That helps you to be sure about the chances of win.

An experienced lawyer can also add to the validity of your case before the law. The way of collecting documents and reports, choosing the court for filing compensation claim, presenting records and evidences to the panel of judge and juries influence how the case would be ruled. A senior attorney can help you receive the amount that truly compensates your damages - civil, physical and mental.

Your attorney is the best person to suggest whether you should go for court trials or an out of court settlement. Out of court settlement is good when the claimant needs urgent money for medical or other emergency expenses.

How to find suitable Personal Injury Attorney?

It is always vital to work with an efficient lawyer who can help you from the beginning through end of your compensation claim filing procedure. You may wonder on how to get in touch with a senior attorney. The first thing you should do is look for a local lawyer. Ft Lauderdale residents should contact Ft Lauderdale attorneys; that makes the whole process much easier.

You can ask local people about a reputed law firm, you can consult yellow pages or you can search online for local lawyers and then select the one who best meets your criteria.

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Fort Lauderdale Real Estate Market Also In Drought Pace

Fort Lauderdale Real Estate market is showing some significant burn every now and then, but the majority of the point is that they are also suffering into a market drought. Most of the investors and developers are making some significant approach with the condo market today. It is widely known all over the nation that the country, and I will repeat that the country is suffering from a housing bust, it is not just one state or two, it is more of an overall drought. Every now and then that happens to the market; significantly it casts a lot of noise throughout its community.

Fort Lauderdale shouldn't be suffering in the bust, Miami maybe, but Fort Lauderdale offers a different take on the market and the popular belief is that when a city on a state suffers more or less the some cities will be affected. It all started in Miami up until it grew more and more, the news became louder, the state of Florida is in a housing crisis. Officials studied the number and all signs are pointing into one thing, the market is indeed in a slide. It is a shocking instance but what can we do? Like many of the nation's market watchers I, myself is surprised. In a way our market is struggling and it is not pretty by any standards.

The beaches of Fort Lauderdale attracts people the interest is high just like Miami and Orlando but the home buyers aren't biting the bait. "The interest is there but the numbers are not looking good." One expert said. It is obvious that the market is trying everything to make a SOLD sign on their lists but it is still so hard. Who's to blame? We don't know for sure but the belief is that there is overbuilding of condos that is crowding the cities and pushing the residential market far and far. They are in the edge and cornered, looking for a miracle looking for a sign of hope. Looking for that little spark to gain momentum, we have to rely on the market's ability to change phase.

But right now the progress is not looking good in fact it is on a slow-like-turtle pace. They say it'll take about 2-3 years for the market to recover, why? Because it needs time the last time a drought happens in the state it took about 2 years to recover; now we are having a really serious drought so I believe another few years the market will go back to its feet. The Fort Lauderdale Real Estate Market is indeed a part of a drought but the future will probably still blurred but changes are not hard to foresee.

Jron Magcale

http://hometerra.com/home.php

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How Fasting Can Benefit Your Health

Fasting is an age old tradition that can not only benefit your health, but increase mental awareness and control the body. Fasting can do many things for the human body and has found quite a following of traditional healers that believe it can do everything from cure disease, mental or physical to increase spiritual awareness.

Contrary to popular belief, fasting does not begin with the cessation of food intake. For fasting to occur, the body must have no carbohydrates or sugars within the systems. This occurs ten to twelve hours after the last food or drink has been ingested, when the resources have been depleted.

Fasting has many benefits to the body. Once the body has begun the process, it must take its nutrients from within, most often using fat cells as the source of energy. This process is referred to as autolysis and can help to maintain energy levels while fasting.

Much of the food that we consume is filled with toxins, chemicals and other harmful ingredients. Fasting allows a time period for the body to rejuvenate through detoxification. Detoxification removes these harmful elements from the body via the kidneys, liver, the colon, lungs and skin.

These chemicals can become ingrained in our bodies over a period of years and can cause many adverse effects to the health of the person. Fasting regularly allows these chemicals to be released from the body, increasing performance and health within the individual.

Many advocates of fasting claim detoxification as the main benefit to entering a fast. During the fast, the body takes on the ability to heal itself from the inside out, beginning with damaged cells.

According to some scientific studies, fasting creates a healing process within the body as the energy is not focused on the digestive system and is free to focus on the immune system. While the body is seeking energy during the fast, in its organs and stored cells it can divert energy from such things as tumors or masses, and therefore, may cause those masses to become the energy source and excreting them from the body.

Not only can this regular fasting help to repair the body, but this renewal could contribute to a longer life span. Many studies have shown conclusive evidence that regular fasting indeed increases life span - now that is something to think about when debating whether a fast could benefit your health.

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How Do You Know If You Are Depressed?

Hundreds live their lives without realizing they are depressed. How can this be? They don't know the signs or they don't believe that they could possibly be depressed. Perhaps they think they are just tired, or they have simply lost interest in the job they used to enjoy thinking that they have simply become bored of the same old. Perhaps they have missed noticing how irritable they have become, or how they have neglected their friends lately as they have favored staying in most weekends instead of going out. All these can be subtle changes in the personality that can be a sign that you might be depressed. Recognizing depression in others can be difficult enough, but recognizing it within one's self can be extremely difficult.

If one is aware of what some of the signs of depression are, they can start to ask themselves questions that can help them determine if it might be time to get some help from a therapist. Untreated depression can eventually grow into a serious condition that can greatly affect a person's life in a very negative way. Some symptoms that a depressed person my experience will include fatigue, the feeling of persistent sadness, irritability, worthlessness, frustration, have a change of appetite, sleeping habits, or have difficulty concentrating and getting things done. People with depression also often tend to lose interest in activities that they would normally enjoy doing. They can feel like they would rather stay home than go out with friends and they can also suffer a loss of confidence and self-esteem. When first coming down with depression, a person may only experience one or two of these symptoms, but as time goes on and the depression becomes worse, they may begin to experience many of these symptoms. In some cases, the depression may have come out of nowhere, but in many other cases the depression is brought on by a traumatizing event or the loss of a loved one. If something has greatly affected a person's life in a negative way, it could very well be a possible cause of the depression.

Anyone who believes they might be suffering from depression should consult a therapist or a counselor who can help them get out of their depression and back into a happier life. Thanks to today's technology, online therapy is now available and it is becoming more popular all the time. Anyone who has access to the internet can easily contact an online therapist by doing a quick search on the internet and sending a message to the doctor's e-mail. The therapist can then communicate with the patient through messaging and help the patient to determine why they might be suffering from depression. Once they have uncovered the issues, the therapist can then work with the patient to deal with the issues and get the patient out of their depression. Online therapy is a relatively new concept, but its increasing popularity is greatly due to its constant success in treating online patients for their depression.

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A Look At The Future Of The Housing Market

In some of the worst housing markets in the country, deflation has reached double-digit proportions. While housing woes have reached around the country, California appears to be poised to rank among the worse. One of the primary reasons for this is the fact that in the last several months California has experienced the largest rate of deflating home prices. In fact, home prices in California have fallen at levels that have been unprecedented.

Miami, Florida has also proven to be a difficult market at the moment. Here, the weak mortgage market and record high rates of foreclosures have let to decreasing home values as well. In fact, Miami has been among the worst home markets in the country for two years running. The condo boom in Miami just a few years ago has fueled further problems that have now spiraled into a massive real estate bust.

While Florida and California may have been easy to predict as being among the first housing markets to crumble when the real estate market crashed, there are other markets that are on the precipice of falling which have not been as easy to predict. One of the primary reasons that Florida and California were poised to fall so rapidly were rapidly escalating home values during the boom a few years ago.

Other markets; however, did not rise as much or as quickly, which could be one reason why they have managed to avoid reaching the top of the list; at least until now. These markets include Arizona, Nevada, Indiana and Massachusetts. Declining home prices as well as high rates of foreclosures in these states are also contributing to their worsening real estate market conditions. In Michigan, where layoffs have been significant, the economy is playing a strong role.

Problems are expected to grow worse in many markets as several million adjustable rate mortgages are scheduled to be reset in the coming months. As these mortgages are reset, it is logical to assume that even more homeowners will find themselves facing the reality of being unable to pay their monthly mortgage payments in certain markets. When that happens they will be forced to either face foreclosure or in some cases make a short sell on their home as refinancing is becoming less and less of an option for many homeowners.

According to most statistics, the remainder of 2008 is still poised for problems in the housing market. Many statistics indicate that home values could continue to drop and new homes could experience a loss of up to 18% before the year is out. While there are some indications that the market could begin to level off at the end of 2008 or the beginning of 2009, many experts are quick to warn that when the market does begin to rebound it will not reach the point where it left off. In comparison to the housing peak of 2005, the rebounded market could still be quite a bit lower. Part of the reason for this is that in many areas, prices escalated so quickly that there is simply no way for prices to rebound back to that point.

Still, there may be some home for certain areas. In many markets sub-prime mortgages have either left the market through quick sales or foreclosure. The stimulus package that is on the horizon is anticipated to help the housing market in many areas.

First-time home buyers may soon find the relief they have been seeking since they were forced out of the market; however, it may longer before homeowners begin to experience that same kind of recovery. This is because most homeowners are still reluctant to sell and lose the equity they once had in their homes. The simple fact is that many homeowners have yet to accept the fact that they can no longer get the same prices for that was possible just a few short years ago.

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Life Insurance Medical Exam

Before you can get your final quote and actually sign your policy, you must have a medical exam. The purpose of this exam is obvious. First, they want to verify the information you provided on your application and second, they want to know if you have any medical condition which you may not be aware of. This medical exam will directly influence your insurability and the final costs of your premiums.

In most cases, the insurance company will pay for the medical exam and will choose which paramedical will conduct the exam. In some cases, no medical exam may be necessary. This usually is the case for young people and/or policies with small coverage amounts. In most cases you can expect to be contacted by a paramedic to schedule your life insurance medical exam.

Interestingly enough, the more coverage you are requesting and the type of policy you are seeking, the more extensive your medical exam will be. Physical exam, urine specimen, blood work, EKG and x-ray are common in the medical exam. You can also expect to be tested for HIV, high cholesterol, liver or kidney disorders, diabetes, hepatitis and immune disorders, as well as drug use, and smoking.

After your exam, the results will be sent to the insurance company for review. This is why giving the most accurate information on your application is important. If they find discrepancies between your application and the results of the exam they can deny you coverage or request a second exam.

If you are declined coverage based on your medical exam, it is your right to be sent a copy of that medical exam for review by you or your doctor. If you believe that the test results are wrong, don't hesitate to contact your insurance company and request a second medical exam.

Once the insurance company reviews your medical exam results and approve you, they will calculate your premiums based on all the information, conditions, provisions, health risk, etc specified and send you your final policy quote for review and acceptance.

Try to be very accurate on your policy application. It can be very difficult to fool the life insurance medical exam and sometimes an insurance company will completely deny you coverage based on your inaccuracies, even though they may have covered you if you had been more accurate, at a higher premium of course.

An example of this came to us from a fellow in Miami, Florida. He stated on his application that he was a non smoker. And for the most part this was true. He did not consider the 3 to 4 cigarettes per week he smoked to qualify him and categorize him as a smoker. Once the exam was completed, it showed that he indeed was a smoker. The insurance company declined to process his application any further. He discontinued smoking for some time and applied to another insurance company where he was accepted as a non smoker.

The insurance companies have all the power and reserve the right to not insure you for any reason they want. In the example above, this mans family may find later, at the time of his death, that the insurance company will refuse to pay out the death benefit because they will find out that he is a smoker, even if its only a few cigarettes per week. How will they find out you ask? Prior to paying out any benefits, regardless of the amount, the insurance company will require a copy of the medical records of the insured. If they determine that he was a smoker, even if he started later in life, they could deny his family the death benefit because he did not notify them of his change in medical status.

There are many cases of this. Remember, the insurance companies are looking for any reason whatsoever to not pay.

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Get Really Cheap Car Insurance In Miami Florida

Cheap Miami car insurance would be ideal, wouldn't it? Of course it would You'd love to drive around a hot town, with your convertible top down and the wind blowing through your hair, all with the knowledge that you, and your vehicle, are fully protected - without giving up a huge chunk of your paycheck each month for car insurance premiums.

Luckily, it is possible to find affordable car insurance in Miami. In Florida, there are certain factors that determine your Miami car insurance premium. If you make those factors work for you, you'll be well on your way to cheap Miami car insurance. (Of course, some factors such as gender, simply shouldn't be changed just to obtain affordable car insurance in Miami!)

Your vehicle. The kind of car you drive in Florida helps determine whether or not you'll get cheap Miami car insurance. This includes the year, make, and model. Obviously a modest, four-door car with plenty of safety features is going to get a cheaper car insurance rate than a flashy, two-door hot rod. You might have to give up that convertible, after all.

Your location. Do you live in a Miami area that's considered safe? Or do you reside in an area that's considered high-risk? Where you drive your vehicle, as well as where you store it when you're not driving it, goes into determining your chances at getting cheap Miami car insurance. If your area isn't so safe, consider parking it in a garage, private parking lot, or anywhere else out of sight and off the streets.

Your mileage. Or your car's mileage, rather. If you drive a high number of miles each year, you're more likely to get a higher Miami car insurance quote than if you drive a low number of miles. Your Florida car insurance company will take into consideration the number of miles you drive for enjoyment, to commute, and for business and commercial purposes.

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Spring Training Baseball in Florida

Do you like your baseball up close and personal, with great views of the players, the action, and the field? Then consider spring training baseball in Florida for your next true baseball fantasy. The "Grapefruit" League, as spring training baseball in Florida is known, is the longest running spring training area in the country.

Who plays in the Grapefruit League? Well, according to many they're some of the finest teams in baseball, and certainly some with the longest histories. Here's a list of the teams that play spring training baseball in Florida, and the locations where they play ball.

1. Atlanta Braves - Lake Buena Vista
2. Baltimore Orioles - Ft. Lauderdale
3. Boston Red Sox - Fort Myers
4. Cincinnati Reds - Sarasota
5. Detroit Tigers - Lakeland
6. Florida Marlins - Jupiter
7. Houston Astros - Kissimmee
8. Minnesota Twins - Fort Myers
9. New York Mets - Port St. Lucie
10. New York Yankees - Tampa
11. Philadelphia Phillies - Clearwater
12. Pittsburgh Pirates - Bradenton
13. St. Louis Cardinals - Jupiter
14. Tampa Bay Rays- Port Charlotte
15. Toronto Blue Jays - Dunedin
16. Washington Nationals - Viera

As you can see, teams play all over the state from the last week of February throughout the month of March, so if you plan a Florida visit during that time, make sure to take in a game or two and enjoy your very favorite teams in a smaller, much more intimate setting. Watching baseball in the Grapefruit League is like watching baseball of decades ago, when fans were "part" of the team, and the ballparks were smaller, livelier, and sometimes a lot more fun!

A Little League History

Spring training came to Florida one hundred years ago in 1908 with an exhibition game between the Cincinnati Reds and the semi-pro local team, the St. Petersburg Saints. In 1913, it began in earnest with the Chicago Cubs who took up residence in Tampa for the Florida's first real spring training. Meanwhile, the Cleveland Indians trained in Pensacola that same year. By 1914, five teams were calling the Grapefruit League their summer home, and spring training baseball Florida had officially become the hit of the off season.

Today sixteen teams call Florida home during the month of March, and you can catch some up and coming stars along with some of the greats if you take in a game or two in Florida during spring training.

Smaller Stadiums with Smaller Prices

Of course, the spring weather in Florida is what brings teams to play. It's warm, pleasant, and usually sunny, and with so many teams participating, you're sure to find one or two games every day within easy distance of each other. Maybe the best thing about spring training baseball Florida is the small stadiums that give you a much better view of all the action. You're closer to the field and the players, and you can get a much better view of the plays and the men who make them..

Ticket prices are cheaper too, so you can afford to take in more games while you're in Florida, and who knows, you may see the next home run king or ace pitcher before they become a household name. You can buy tickets for spring training online, or at the ballparks on game day.

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Eight Basic Asset Protection Techniques

As with any other transaction of importance, it is always recommended that you seek the advice and care of an attorney when creating and implementing your estate plan but either out of laziness or financial inability, many Americans are still failing to plan for the protection of their assets. If you should fail to retain an estate planning attorney to work with you on your asset protection plan, at least follow the eight steps below and assure that your family isn't left with nothing but a large pile of debt. As the old adage goes, if you fail to plan, you are in actuality planning to fail.

Step 1 - Sign a financial power of attorney.

A financial power of attorney designates an agent of your choosing to handle your financial affairs should you become incapacitated. This person can pay your bills, file your taxes, and manage your investment, retirement, and life insurance accounts. Without a financial power of attorney in place, your family would have to get court permission to step in which will cost them precious time and money.

Step 2 - Designate a health care surrogate.

A health care surrogate is basically a power of attorney for your personal well being. The surrogate will make health care decisions for you when you are unable to do so and will see to it that your living will is executed properly, so that the end-of-life measures that you choose are carried out to your specifications. Along with designating your health care surrogate, you should also prepare your living will.

Step 3 - Calculate your net worth.

Start by listing your largest assets and their current market value. This might include your home and any vehicles that you own outright. Next, you'll want to add your more liquid assets, such as checking and savings accounts, cash, CDs or other investments such as retirement accounts. Add to that the current market value of any personal items that may be valued at more than $500. This number represents your total assets. Now, make a separate list of any major outstanding liabilities such as the balance on your mortgage or car loans. Add to that all of your personal liabilities such as credit cards, student loans, or any other debt you may owe. This number represents your total liabilities. If you subtract the total liabilities from the total assets and you will have your net worth. Keep this figure handy when speaking with your estate planning attorney, your financial advisor, and your accountant.

Step 4 - Review your beneficiaries.

Each year, you should review the beneficiary forms on file for all of your bank accounts, retirement accounts, and life insurance policies. These forms will determine who inherits most of your assets. If your spouse is listed as the beneficiary on any of these accounts, you should list your children as contingent beneficiaries in case anything should happen to your spouse. If your spouse dies before you, this will allow your children to put their inheritance into an inherited IRA and stretch out the distributions and tax deferral over the span of their entire lives. This could save your children thousands in tax liability.

Step 5 - Write a will, or update the one you have.

Without a will or living trust, the assets you worked so hard during your life to accumulate will be divided up the way the state you live in sees fit. If you have had a major life change since drafting your will (such as marriage, divorce, birth of a child, or death of an immediate family member), the dividing up of your estate could get very messy without an updated will. To protect your family further, you should talk to your estate planning attorney about the implementation of various trusts and tax shelters that can help preserve your wealth for future generations of your family.

Step 6 - Plan for state estate taxes.

Currently Florida does not collect a state estate tax, though things were different prior to January 1, 2005, when Florida, like many other states, collected a separate state estate tax in addition to the Federal estate tax, called a "pick up tax." The pick up tax was equal to a portion of the overall federal estate tax bill. The federal estate tax is scheduled to completely disappear in 2010, but then the provisions of the Economic Growth and Tax Relief Reconciliation Act will sunset and the estate tax, along with the pick up tax, will come back on January 1, 2011. In 2011, there is a chance that your estate could be doubly taxed. The year 2010 will be an "uncapped" year in that the EGTRRA will no longer offer protection to those individuals with a net worth of under $1 million. With more families being exposed to the estate tax, it is imperative that you sit down with your estate planning attorney and talk about drafting some combination of a will and trusts as soon as possible.

Step 7 - Title your assets correctly.

A married couple whose wills set up a credit shelter trust in order to preserve the estate tax exemption of the first spouse to die without bankrupting the surviving spouse must keep their assets titled in the names of each spouse separately or they will not qualify for the benefit. If they instead wish to have their estates distributed through living trusts, they must remember to retitle their assets in the name of the trust. Failing to title your assets correctly may defeat any specific intentions you have when forming your asset protection plan. If you are uncertain of how to title your assets in a way to guarantee your desired result, you should contact your estate planning attorney and request a consultation.

Step 8 - Be generous.

Any individual can give up to $13,000 per year in cash, stock, or other property to any other individual without worrying about any gift or estate tax consequences. A person is also permitted to pay any other person's college or private school tuition, as long as the check is sent directly to the school, in addition to the $13,000 gift allowance. The same is true for medical expenses, as long as the check is sent directly to the health care provider. You also have the ability to give up to $1 million to any person and receive a single lifetime gift tax exclusion. As the old saying goes, give and you shall receive.

While these eight steps will provide you with basic protection, for a true and complete asset protection plan, please contact your estate planning attorney and work together to create a plan for your future and the financial future of your family for generations to come.

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Fun and Sun in Fort Lauderdale

Broward County doesn't exactly have a sterling reputation when it comes to politics, but voting, candidate wars and matters of the state are the kinds of things that people forget about while on vacation. This means that in a pretty, party-filled pleasure land like Fort Lauderdale it's okay to get lost in the shuffle of leisure-seekers, and doing so is easy thanks to the bountiful diversions available here.

Fort Lauderdale resembles Venice, Italy in a sunny, American kind of way thanks to the canal system that characterizes the landscape. It also has a healthy does of energy thanks to all the beach-themed revelry, fine weather and nightclubs that appear around every corner. In other words, if a vacation of peace, quiet and solitude is what you seek, this isn't the place for you. It's not exactly spring break city, either, but it is a destination that knows how to have a good time, day or night.

A couple dozen miles of breathtaking beach gives Fort Lauderdale the right to place itself among the holiday destination elite, especially when the promenades, palm trees, and pedestrian-friendly boardwalks are taken into account. Whether you jog, rollerblade, or walk barefoot, there's a place that will allow fabulous views of the coastline - not to mention the other revelers who have come here in search of relaxation and relief.

Hollywood Beach is known for attracting a crowd, as self-styled entertainers often come here to give the public a free show. Pompano Beach is more family-oriented and also hosts annual fishing events thanks to its prize-winning waters. The treasures of the ocean are a big part of Fort Lauderdale's identity, in fact, and piers and marinas can be found up and down the sandy stretches. By the way, these beaches are designated Blue Wave, meaning they are healthy, clean and swimmable.

Downtown Fort Lauderdale holds a whole other bevy of distractions and delights, including a Museum of Art, the Florida Grand Opera, the Museum of Science and Discovery, and Old Fort Lauderdale Village and Museum. Shopping, music, theatre and outdoor dining round out this hotbed of activities and tend to keep visitors stimulated at every moment. Eyes, ears, brains and taste buds will all be attended to during a visit to downtown. From the largest flea market in South Florida to Broadway shows, Fort Lauderdale delivers the goods.

Sports enthusiasts will be in heaven here, whether playing or watching there are games of all kinds to be appreciated. Of course there are tons of golf courses - this is Florida, after all. In addition to these standbys there's also ice hockey, baseball training, tennis courts, Jai Alai and any number of professional events. Lots of sunshine and warm weather tends to make throwing, hitting, and kicking various objects the most fun and engaging thing possible, and even watching others do it is especially thrilling here. If a place could be designed to perfectly contain all things sports related, it would look exactly like Fort Lauderdale.

Located in that magical place known as the Everglades, an environment teeming with wildlife unknown to other parts of the country, this region has plenty of ways to take advantage of the vast natural offerings. Marshland eco-tours, kayaking, hiking and bird watching are excellent methods to become acquainted with the scene, and in some parts bikes and segways are also a hit. No matter which route beckons to you, there's a rental or guide establishment that will set up you and your companions for a successful and adventurous day in this fertile and unique set of conditions.

When the sun goes down it's time to change things up a bit. Trade in the sunglasses and comfortable shoes for flashier duds as you make your way from club to club. Jazz, comedy, blues and more allow all tastes to be satisfied, so find a cozy corner for a little romance with your partner or hit the dance floor and make new friends. It's all good here, as you'll soon see.

Top it all off by staying in accommodations that are as pleasing and slightly unconventional as this entire trip. Fort Lauderdale Vacation Rentals bring out the best in this playful land by accentuating its charms with a few of its own. Unique layouts, stunning views, and special features like patios, beach access, washers and dryers and fully-equipped kitchens make all the difference when it comes to enjoying every moment of this getaway.

Fort Lauderdale isn't the top choice for every vacationer, but you probably already know if you're the kind of person who would enjoy a jaunt to this jovial town. Start planning early to achieve the best results, and prepare to find yourself floating in a sea of fun.

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A Family Friendly Guide to Top Florida Destinations

You have been given a chance of your life. A vacation leave from the company you worked for years. What you want to do is to pack your bags, take the kids with you and escape for a while to some interesting country. You want to take a breather from the pressures of daily life. For a weekend or a week, it's just going to be your happy family vacation and some good ol' rest and recreation.

So where to go and what to do? I will invite you to Florida where food is delicious, the climate is good and there's plenty to enjoy for both adults and kids. Before you proceed in reading this, I will recommend you to pack your things, kick off your shoes, relax and let me take you on a tour to two of the most beautiful spots in Florida.

Destination: Orlando Florida

Orlando as of 2000 census has a city population of 185,951. It houses Florida's 2nd largest university which is the University of Central Florida. Orlando is the 6th largest city of Florida State. This city is not only known for tourist attractions but also known for being a leader in research and medical care. Orlando carries a nickname "city beautiful" with a symbol Lake Eola fountain.

Sights to See:

A. The Walt Disney World

Walt Disney continuous to be a top vacation destination for families around the world. Orlando also has its Walt Disney World; it has 4 huge parks full of shows, rides and other attractions. There are also shopping venues for shopping addicts and fine restaurants to satisfy your stomachs' appetite.

Several parks fill the Walt Disney Florida. One is Magic Kingdom which was the first theme park in Disney and the most famous. Second is the animal kingdom is the latest addition to the Disney theme parks. Animal Kingdom Park combines an animal experience to the classic rides, attractions and shows Disneyland is well known for. Epcot Park holds futuristic and educational attractions for fun and learning. The MGM Studious contains a tower of terror. The tower looks very vintage and luxurious from outside but the sights inside will frighten your heart out!

B. Universal Orlando Resort

The resort has two theme parks, luxurious hotels, dining, nightlife and shopping venues. Universal Orlando Resort is just a different world; it also contains the Universal Studious where you can enjoy the ride while watching movies. It is very informative because you will learn how movies are made and the secrets behind some movie effects.

C. Adventure Islands

Looking for adventure? The Islands of Adventure can give you some! There are wild rides and roller coasters in this newest park in Orlando. Truly a great and wild way to enjoy your vacation.

D. Sea world Adventure Park

Sea world is a well known aquatic park of Orlando Florida. Aside from the breath taking rides to enjoy, there are animal shows where you can see smart animals doing their amazing stunts.

Other spots in Orlando are the Universal City Walk, Busch Gardens, Discovery Cove and Cypress Gardens for nature lovers, Orlando Science Center and Kennedy Space Center for space enthusiasts; Pleasure Island for nightlife and a collection of Ripley's believe it or not artifacts.

Destination: Miami Florida

Miami is located at the south eastern part of Florida. It has a mild climate all year round and is famous for beautiful beaches. In 2002, the Natural Health Magazine ranked Miami as the number 1 Healthiest City in the nation. Miami is the number one choice for boating enthusiast and active travelers.

Sights to See:

A. Miami Beach was listed as a historic district in 1979. Thanks to Miami Vice, this TV serves as advertisement to the public and has given the city much recognition.

B. South Beach is located along Bay Road and West Avenue at Miami Beach's western edge. Therein located the grandest island hotels such as Mondrian Hotel.

Numerous restaurants such as The Capital Grille, Palm, Porcao, Knife Steakhouse etc. Serve grilled steaks and other delicious foods. There are also hotels luxuriously serving 24/7 everyday for a day or week long vacation.

I have only mentioned two of the well known paradise escapes in Florida. There are numerous other destinations that you and your family can consider such as Atlantic beaches, Bimini Bahamas, Cedar Islands, Florida Gulf.

Florida is obviously blessed with numerous beaches, rich hotels, and beautiful spots that is suited for a family vacation. The best thing is for the family to unwind and have a good time to reunite. Never mind the expense, it will pour out again when you come back and be stressed with bulk of work. What is essential is for you to be focused on the vacation and your family once in a while.

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Buying A New Home In Miami Beach

Buying a home is an exciting experience, particularly for new families, or retirees wanting to get second homes. In many cases, first-time homebuyers feel stressed because they are just about to start a new life with their families and are afraid of making costly mistakes.

Although asking for assistance from a credible real estate broker helps smoothen the home-buying task. To avoid, at least, or part of this home-buying process, first-time homebuyers are advised to take walks and enjoy seeing the attractions of Miami Beach while looking for a nice home.

Attractions and activities abound everywhere in Miami Beach for potential homebuyers to get pleasure from and relax. New residents or prospective transferee's may arrange a deep-sea fishing expedition in an unforgettable yachting tour, or they can also visit the Metro Zoo, Miami Science Museum, the Art Deco District, South Beach, Downtown Miami and more. In doing so, your Miami beach home-buying process would feel more like a pleasant vacation.

The City Offers A Huge Selection Of Condominium Units

For those who are determined to invest in the area's real estate investment options, finding wonderful housing choice in the city's famous South Beach district can be a great option to begin with. Many of the high-rise condominiums located in the Fifth Street area are, no doubt, the most acclaimed in the South Florida property market.

Purchasing a condo unit in South Beach can give you a successful start as a real estate investor. If you invest in condo units, you may rent them out specifically to business people or travelers who need a great place to stay. As South Beach is close to everything, the whole area provides a lovely mix of sophisticated boutiques, fine dining, entertainment and the incredible views of The Art Deco district, Ocean Drive, Biscayne Bay and Downtown Miami.

It is considered as one of the most attractive tourist destination in South Florida along with Miami Beach. South Beach is popularly known as "So Be" or "The Beach" for its fine white sand beaches, crystal waters, and warm, sunny weather. South Beach is also famous for its condo boom, so buyers need to act quickly so they could get one at the most competitive rates.

Things To Take Note When Looking For A Home Here

In buying a home in Miami Beach, prospective property investors have to take in mind a lot of concerns, and these range from choosing a home mortgage, dealing with brokers and real estate agents, finding home insurance, and a lot of other buyer concerns. The first thing a home buyer should ask themselves is, can you really afford the payments that should be made for the home you want?

You should settle you finances first, go to some lending firms, ask questions, and verify their home loan options. Compare each lending companies and their services, then decide wisely on which option to pursue. Choose the home lending firm that can give you the most competitive and attractive long-term payment options.

Facts On Acquiring Mortgage Loans

Getting pre-approved for a mortgage for your Miami beach home can be a very beneficial one for you. Pre-approval tells the seller you are a serious buyer. It also can benefit you during negotiations. To look for an appropriate a mortgage lender, check out the local non-profit credit union. The Credit Union National Association has a list of member firms nationwide.

Aside from this, the state of Florida also offers mortgage loans and so do a few non-profit organizations. A complete list is readily available from the U.S. Housing and Urban Development Department . Some examples include the Florida Association for Community Action, and the Florida Housing Finance Corporation.

Negotiating The Best Price For A Home

Negotiating the best price for a home here takes a lot of skill and public relations savvy. The buyers strength in the negotiating process is created by learning everything possible about the current and future housing market conditions.

Learn to get the best facts about the current interest rates, and ponder on its expected rise, and find out if there is much competition from other buyers? In addition, learning the personal situation of the seller can be a huge benefit. Find out how attached to the home are the the sellers, or do they need to move because of work, or for financial reasons?.

Negotiations are all about gaining wider knowledge of the local real estate market, and relating well with sellers and agents. A good property broker can assist you effectively in this regard.

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Fat Burning Cardio and Agility Drills

It's time to add some fun and games to your workout with some cardio and agility drills. These are great fat and calorie burning activities. Always consider your physical activity a dynamic and not static process. Make it a game. Think variety. Incorporate your environment into your workout. Though these drills call for the use of cones, you could use stones or even trees and bushes or chairs to run around.

Backpedal/Sprint Drill (Staggered Cones).

Six cones will be needed for this drill. Place one cone as the starting point and the other five are placed like spokes in a wheel at different lengths (10 to 20 yards) from the starting cone and each of them about five yards apart. Each of the five cones will be placed at the 10, 12, 1 and 2 o'clock positions. Sprint to the 10 o'clock cone and backpedal back to the starting cone. Do this with each cone in the "spoke" until all are completed.

Zigzag Sprint Drill With Cones.

Using six cones, stagger them in such a way that you will have to zigzag around each of them in order. This is a sprinting drill. Each cone should be about 5 yards apart. You will sprint around each cone until you have zigzagged through all the cones and then back again. The cones will be placed in two rows.

Box Drill With Cones.

Using four cones form a box on your lawn. The cones can be about 25 yards apart although you may vary that distance as you like. You are standing at the first cone. You will sprint to the second cone. You will perform a lateral or sideways move to the third cone. You will back pedal to the fourth cone. You will sprint back to the first cone. Please note that you can simply just sprint to each cone or you can mix and match your own moves between each of the cones.

Suicides.

This is a simple drill with a high cardio impact. Place one cone as the starting point and the other cone anywhere from 20 to 50 yards out. Sprint out and back, out and back, out and back, and so forth. I think you get the point. You can simply make this one a timed event with everyone at their own pace. When performing this as a group the great benefit is that no one really ever falls behind. As a matter of fact, you really can't tell who's ahead and who's behind. Regardless of fitness level, all team members will enjoy a great cardio blast with this drill. I'm sure you'll notice the fatigue very quickly on this one.

Forward-Back-Left-Right.

This can be done in a group with a group leader guide or by yourself. The guide leader will call the signals randomly to change direction. Don't run into any trees or fall in a ditch going backwards! The commands are simple: forward, back, left, right. The commands FORWARD and BACK simply mean to run forward and backward. The commands LEFT and RIGHT mean run sideways to the left and to the right. This is lots of fun and a great way to work on the agility and the lower body. How long? As long as the guide leader is yelling out commands. The leader can either face the group and give hand signals as well or he or she can join in with the group and shout out the commands.

Run Forrest Run!

I'm sure most of you have seen the movie "Forrest Gump." Once Forrest started running, he didn't know when to stop. For most of us out there, it's more like not knowing when to start. I had to specifically mention running. What I mean is anything that leaves the realm of simply walking. Keep in mind that running (jogging) is a great way to work the heart, lungs, butt, hips, thighs, quads, hamstrings and much more.

Learn To Throttle Your Running Pace.

Before ever stopping, try throttling it down to a slower running or jogging pace first. This works on two things: your mental strength and it keeps you on the run. Unless you are sprinting, your upper body should be relaxed and only your legs and lungs should be working. No feet dragging or pavement pounding is permitted unless you have a sudden urge to hear me say, "Drop and give me twenty!" Foot dragging or scraping or foot pounding is a recipe for injuries to connective tissue in your lower body. Your stride and your body mechanics should be smooth. You land on your heels and roll across your foot. You're not really going to be thinking about this when you run. Just check yourself every now and then for smooth, efficient running mechanics.

Your breathing - as with all exercises - should be natural and should not be heard, and the mouth should not be making some unnatural forms that you've seen in some of those workout videos or in the gym. You're getting some of the Health Colonel's philosophy about breathing.

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Who Turned The Light (Back) On Sunny Florida's Housing Market?

House hunters shut out of the recent housing boom are smiling from ear to ear.

Unless you've been lying beside Rip Van Winkle for a couple years, the country is in a buyer's market with a 7.2-month supply of homes for sale. Anything more than a six-month supply means an advantage for buyers.

No more craziness in the market. No more rushing to submit an offer *above* the list price and with no contingencies.

Depending on your part of the country or even your part of the state or town, the housing market has not tanked.

Sure, more For Sale signs dot your favorite neighborhoods. However, please don't think that this "buyer's market" entitles you to waltz in with a low-ball offer and scoot out with a signed contract.

If you're interested in escaping the frigid North to the Sunny South, the National Association of Realtors (NAR) forecasts a sunny outlook for homeowners.

This "new" market of the South features more affordable homes prices, continued job growth above the national average, and historically low interest rates. Your parents and grandparents simply cannot believe it's possible to pull a ~6% rate on a 30-year fixed home loan, can they?

To assure you it's a good time to buy a home in the South, the NAR offers the Housing Affordability Index, which looks at home prices in an area, along with salaries, the percentage of income homeowners are spending on a mortgage and a host of other factors.

This index provides a pretty good indication of just how much home you can buy. And this is one index where, to get the most home for your dollar, you want to see the highest number possible.

To break it down, a score of 100 means that if you are earning the area's median income you can afford to buy a median-priced home. And if the number is 125, it means that you have 25 percent more income than is necessary to buy a typical median-priced home.

Make sense?

In the Sunny South the index was 119.8 -- 5.1 percent *above* 2005 numbers. Parts of the Midwest recorded a 150, but who wants to scoop snow, scrape ice, pay outrageous heating bills and not see or feel the sun for months?

C'mon, do you really want to be an Eskimo for six months? Wouldn't you rather be golfing, lounging in hammock at the beach, sitting in shorts and tee shirts on your screened lanai sipping lemonade and enjoying a warm breeze...in January and February?

In that case, what good is a 150 for the Midwest. Despite the 150, people are not waiting for spring to pack the moving trucks and drop a couple resumes on Monster.

Enough already of the snow, the ice, the wind, the gray skies, the heavy clothes, the slipping & sliding, the numb fingers, the dry-chapped lips etc. ---- they've had enough of the brutal arctic weather hammering the North.

They've had enough!

Across the Sunny South, the median home price is $181,700, but if you're looking in the Miami-Fort Lauderdale area you will see median prices of $366,800.

While the housing market in Florida, in particular, catches its collective breath following five years of dizzying, unprecedented price increases, house hunters - with a little patience and strong negotiating skills - are finding some "good" deals.

As a whole, the NAR predicts home prices will increase 4 to 6 percent in 2007. This is more like it...reasonable, sustainable growth.

Southerners are also spending a smaller than average portion of their income on their mortgage payments. In the South, a home owner devotes approximately 20.7 percent of income to that mortgage check, according to NAR numbers. The national average is 23.6 percent.

If you want to live with Mickey Mouse, enjoy the Atlantic Ocean on the east coast of Florida or the Gulf of Mexico on the west coast of Florida & abundant outdoors entertainment year round, you will pay more for your new "way of life".

How much more?

In Orlando, buyers are seeing median prices of $272,100, according to NAR's most recent statistics.
Sarasota - the amazing tropical playground of the "rich & famous" - boasts a $301,300 median home price. The small town "feeling" coupled with incredible boating, arts, entertainment, and a vibrant economy makes Sarasota, FL, the jewel of Southwest Florida.

For college basketball fans, the Sarasota area is home to Dick Vitale, Mr. College Basketball for ESPN.
By the way, the "expensive" median homes in the area include:

* Washington, D.C./Arlington/Alexandria, (D.C., Va., Md.) - $421,600

* Miami/Fort Lauderdale/Miami Beach - $366,800

* Sarasota/Bradenton/Venice, Fla. - $301,300

* Baltimore/Towson, Md. - $277,900

Stop dreaming about spending more pleasant time outdoors and find your dream home today while Florida catches its breath. With each hard winter, Florida and other southern states welcome more people to this year-round oasis.

Join other smiling homeowners in Florida who, despite being shut out of home ownership during the boom, are living in their dream homes purchased for less money and with the same great interest rate.

Got those bags packed yet?

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Reliability Leads to Credibility in Public Relations

Public relations is a systematic research function that aims to design an effective campaign to solve an issue within mass communications. It is imperative that this research is reliable in order to understand the issue and suggest recommendations. Reliability can be defined as the ability of a method to measure the same results comparably over time. It is a measure that is stable, and consistent.

Public relations as a social science research aims to understand society and the various segments involved. Researching these segments or markets helps the practitioner anticipate attitudes and behaviors. Moreover, these preemptive measures anticipate future issues that may occur, and solutions to solve them.

Because public relations faces the challenge of validating the importance of this systematic approach to problem identifying and most importantly problem solving, it is imperative for practitioners to maintain their reputations with "Corporate America" and the media. Reliable research helps illustrate to the dominant coalition the necessity to understand an organization's stakeholders. More and more, members of the dominant coalition are understanding the importance of their support for public relations. Effective public relations aids a company's competitive advantage, therefore, aiding their bottom line.

Unfortunately, not all practitioners perform the necessary research needed to make reliable and valid recommendations. Research can be a very systematic and complicating aspect of public relations depending on the issue at hand. However, it is best to conduct the necessary research to gather data that is detrimental to a campaign. Even though subjectivity is used in public relations, the practitioner must examine the organization, its publics, and all other aspects that may affect its success in order to make an educated guess. Millions of dollars could be wasted on a campaign aimed at the wrong target audience and even worse, unavailable to the intended target audience.

Although public relations was not seen as a separate function in the past, it is becoming more common. In order for public relations to continue its effectiveness, there must be support for public relations within the organization as well as an appointed director of public relations to manage all functions. A separate budget should be allocated solely for public relations research. Although some company's are reluctant to do this, they find that this research actually saves them money in the long run with crisis management and marketing campaigns.

Furthermore, future licensing would help ensure more credibility. It would also help eliminate the opportunity for non-systematic and under-qualified imposters to take advantage of individuals, organizations and the media. Systematic research facilitates reliability.

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Florida Magazines - A Great Way to Get to Know Your New Home Town

How many magazines are popular in your home town? One or two? A few? Not in Florida. Magazines total 30+ and I'm sure I missed a few!

Subscribing to a Florida magazine if you are thinking about retiring here or buying a second home here, is a great way to get to know a town or a region. If you already spend the winter months here, subscribing to a magazine keeps you abreast of things going on while you're at your northern home.

Isn't a magazine great entertainment for very little money? For a dollar or two you get to spend 1, 2 or 3 hours each month reading interesting stories about things that you care about and things that entertain you. Personally, I look forward to receiving my Oprah and More in the mail each month. I live here and like to keep abreast of what's going on so I subscribe to Florida Trend, Gulfshore Life and several others. I'm always aware of what's going on which makes for scintillating conversation!

If you are a sports person here are a few Florida sports magazines you might enjoy:

Florida Sport Fishing

Southern Boating

South Florida Adventures

Bassin

Florida Sportsman

If travel and the Florida lifestyle appeal to you here are few statewide magazines:

Florida Monthly

Florida Travel & Life

Florida International

Many cities and regions are represented in our Florida magazine list:

Gulfshore Life - Southwest

Jacksonville Magazine

Scene Magazine - Southwest

Tallahassee Magazine

Gold Coast - South

Bay Life - Panama City

Times of the Islands - Southwest

Jacksonville Luxury Living Magazine

Emerald Coast - Northwest

Sarasota Magazine

Boca Life Magazine

Jupiter Magazine

Orlando Magazine

Miami Monthly Magazine

If you are interested in Florida business magazines, we have that covered too:

Jacksonville Business Journal

Orlando Business journal

South Florida Business Journal

Florida Trend

If Florida architecture and Florida Design Magazines call to you, try these:

Boca Design & Architectural Review

Palm Beach Design & Architectural Review

Miami Design & Architectural Review

And for food aficionados:

Taste of the South

Dine Magazine - South Beach to Palm Beach Join the " Magazine Club" and subscribe to our fabulous Florida magazines!

Try out the Florida Lifestyle, if only in a magazine!

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South Florida Tarpon Fishing

Imagine casting your light weight fly out across the calm tidal flats of the South Florida Coast. It drops in a mere eight inches of calm tidal flat brackish water. You watch. Your nerves are stirring within you, as the thrill of anticipation floods your body. Then, in a moment, your excitement peaks as you see your fly gently land right on the nose of a monster 95 pound silvery Tarpon. The Tarpon instantly nails your fly. You jerk hard and masterfully hook the trophy. But the contest has only just begun. You've just started one of the most challenging fishing adventures of your life.

South Florida Tarpon fishing with a fly takes advantage of everything that draws fisherman by the thousands to the Florida Keys. It involves using a keen eye to spot the Tarpon in the shallow brackish Florida Keys water, only light tackle, such as flies and light 8 pound test line. It seems impossible to believe that such giant fish are waiting to bite your hook in such shallow water surrounded by the natural beauty of South Florida, but that is exactly what contributes to the overall South Florida Tarpon fishing experience.

Hooking giant Tarpon off the South Florida Keys isn't the hard part. It's getting these giants to your boat. And that is why, unless you're experienced in Florida Tarpon fishing, you'll need a professional guide. South Florida Tarpon fishing guides are not expensive and they will skillfully bring you to the fish you want. They will train you in the proper Tarpon fishing techniques to catch Tarpon is very shallow water.

If you've got a fishing itch that can't wait to be scratched, South Florida Tarpon fishing is just what the doctor ordered. Soak up the thrill of this challenging sport fishing adventure. It's truly one of the greatest fishing opportunities known to man.

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Southeast Vacations Guide

The region in Southeast of U.S. is among a favorite for people who fantasize being surrounded by water. Since the location is fairly near to equator weather in these parts of U.S. is warm. Also large water bodies influence to make the climate moderate. Due to this there are very few frozen beaches in Southeast; most of seaside is operational all year round. Southeast is emerging fast as an ideal holiday destination for enthusiastic tourists. All states in southeast are magnificent attractions on their own and together they present excellent opportunities for an exciting vacation.

Alabama offers variety prospects ranging from white beaches near the Gulf Coast to highest mountains that are picture perfect and in compliance with ones imagination. Its beaches are spread to about 32 miles and both business opportunities and fun activities are abundantly found here. The Huntsville Botanical Garden is a must visit for the place of the area consisting of dramatic collection of flowers and pasture covered lavishly with grasses. There is also a gleaming pool and a garden having aquatic perpetual exhibits all year round. Alabama Music Hall of Fame is a museum dedicated to achievers in music from all fields of music relating to Alabama. Casino lovers can find enough opportunities for their recreation in this city.

Florida is an ultimate destination of family or a romantic vacation. It offers best in both spheres, the lavish outlay by resorts and hotels, eye catching beaches and world class golf courses everything is an exotic treat for vacationers. Florida portrays prospects for mountain escapes of varied choices consisting of camping, hiking, amazing natural wonders and vast parks spread to many acres of land. A special attraction of Florida is the Fort Lauderdale or the Hollywood International Airport that makes Hollywood easily accessible. The beaches here are perfect for family and children as they offer fabulous attractions for all.

Georgia is a state with rich cultural heritage relating to literature and music. Even amazing landmarks from past are a bonanza of the place. Both mountains and seasides present splendid views and excellent tourism possibilities. This city offers glimpses of stylish southern culture and a feel of modern times consecutively. There are admirable dining options and presentable downtown views that can entertain a traveler who would just pass through its streets. Local galleries exhibit traveling art and official art collections. There is a masterpiece for everything in the state whether it is nature, entertainment, shopping, history or sports.

Virginia is rightly called a city for lovers. It is located at southern most part of Middle Atlantic States. It is roughly triangular in shape and has numerous must visit national parks each known for its unique characteristics. Virginia is a city with diversity and offers something for everyone. Its enriched historical background is an added attraction for the place. Among many tourist spots of the area is the famous Colonial Williamsburg history museum. The museum exhibits political and cultural world of 1700s and enjoys a status of largest living-history museum in America. Virginia is also the best place to visit during festivals as all events are celebrated with great zeal and zest here.

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The Importance Of Reading To Children

Growing up, my parents read a story to me every night. I always assumed it was the standard in every child's bedtime routine across the country. As a teacher with my degree in Early Childhood Education, I know the importance of reading to children. The benefits associated with a simple daily bedtime story seem endless. Imagine my amazement when I read the statistic stating that only 39% of parents read to their children on a daily basis (Young, Davis, and Schoen, 1996).

In a word, I was flabbergasted. I've witnessed the struggling readers and the impact that has on their daily lives. When a child has difficulties reading, everything in school suffers as a result. Would something as simple as a daily ten minute bedtime story interaction between a parent and child prevent these kids from struggling throughout their school years? Could it really be that simple? I want parents to know how vital it is to read to their children everyday.

Benefits

Teaches Basic Reading and Writing Skills

When children are being read to, they are taking in so much at once. Simple things experienced readers may take for granted are introduced during the first few years of life while listening to a story. Children who are familiar with books know how to hold a book and turn the pages from left to right. They know that the book has a title.

Pre-readers also understand that the book contains pictures and words and they start distinguishing words and letters. They begin to recognize that the printed text is read from right to left and top to bottom, which is directly related to beginning writing skills. School districts expect children to be reading simple word texts by the end of kindergarten, and having these basic skills can propel them toward success.

Teaches Basic Listening Skills

It's true, as I experience it in the classroom everyday. Some children don't have the ability to sit still long enough to listen to a story. It can be possible that some children may have trouble because of a disability, but others may simply lack the insight to what story time is all about. Making story time at home a daily, fun and engaging activity can encourage children to get excited about story time at school which can also discourage behavior issues.

Promotes Vocabulary and Language Skills

Just think of all the new words children hear from books. Our daily conversations do not require much use of complex language or vocabulary and can hinder the development of a child's oral language. Reading to a child can introduce so many new words, especially nonfiction titles. Children's literature provides great models of language for children. In hearing the flow of the writing and the innovative words, especially in repeated readings of the same text, can nurture children's language development.

Builds Knowledge of the World

As in language development, reading exposes children to worlds of new information. As a teacher, I used books to teach children about a topic, such as a place, or a person, or a topic. The amount of information a child can learn from books is never-ending, which leads into the next benefit.

Fosters a Love of Reading

Enabling children to enjoy reading is one of the most important gifts a parent can do. Kids will learn reading skills in school, but they will come to associate reading with work, not pleasure. As a result, they may lose their desire to read, effecting their schoolwork and desire to learn. When a parent shares an exciting story with a child, and in turn, gets excited with the child, the parent is showing how much fun reading can be. Jim Trelease, author of The Read-Aloud Handbook, encourages parents to lead by example by stating; "Make sure your children see you reading for pleasure other than at read-aloud time. Share with them your enthusiasm for whatever you are reading".

Encourages Parent-Child Bonding

Reading aloud also creates a special time for parents to bond with their children. Cuddling together for a bedtime story, you'll be helping your children develop a lifelong appreciation for reading. (Reading Aloud, n.d.) Builds Self-Esteem Children often want to hear the same story over and over. Just as adults may need to hear something more than once to remember or understand, children are the same way.

Trelease (2001) makes a very interesting point, "Those of us who have seen a movie more than once fully realize how many subtleties escaped us the first time. Even more so with children and books". He also points out that repeated readings can turn a child into an expert on a particular book. The child feels good about himself and connects that good feeling with reading (Trelease, (2001).

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The Importance Of Reading To Children

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