How to Lose Weight

Figuring out how to lose weight is a challenge for many of us, particularly considering that the quickest path to weight loss is different for everyone. Of course, the common denominator is always proper ace diet pill and exercise, which not only aid in weight loss, but also keep a body healthy. Of course you've heard this before - the challenge is to follow through. Others have lost weight by following these simple guidelines, and so can you.

1. Set small, realistic goals. If you have a lot of weight to lose, try for 5 pounds, relax a bit and then go for 5 more.

2. Start a regular exercise program and stick with it.

3. Sneak in extra exercise in addition to your regular program. Park at the far end of the parking lot and walk; take the stairs instead of the elevator.

4. Eat healthy fats from nuts, seeds and olive oil, and high-fiber foods such as vegetable salads and whole-grain pastas.

5. Choose foods that you like. Learn to prepare healthful, low-calorie foods that taste good by checking healthy cook books for new recipes. Eating well doesn't have to mean eating dull.

6. Eat smaller, more frequent meals. This way, your body starts to increase its metabolism so that calories are burned faster. Also, mini-meals can prevent overeating.

7. Plan ahead. Keep the fridge stocked with healthful food and you'll be less likely to run out for high-calorie, high-fat junk food.

8. Determine your favorite snack time and be sure to have plenty of healthful options available when you get hungry.

9. Keep a food diary. This will help you pinpoint where you can improve your diet.

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4 Tips for Getting a Business Loan

Commercial and industrial lending is increasing for larger companies, but according to the Thompson Reuters/Pay Net Small-Business Lending Index, the number of traditional bank loans to small businesses has fluctuated wildly over the past year.

And, let's face it, small-business owners remain uncertain about what 2013 holds for their business and the economy. In fact, in its latest report the National Federation of Independent Business confirms that small-business optimism remains relatively low.

"The good news is banks want to make Small Business Loans. It's just that many banks are not able to properly scale their resources to include all deserving borrowers, even if small-business owners do meet the stringent standards set by lenders," says James Walter, founder and CEO of BBC Easy, a provider of automated loan management software for financial institutions. "The fact is many banks are using outdated technology, so the more organized you can be, the more quickly you can be approved."

If your business needs credit to grow or a temporary infusion of cash, receiving a loan may be difficult in our still-recovering economy. There are important variables in play when banks evaluate your creditworthiness. Walter and BBC Easy's co-founder, Corey Ross, offer these tips to increase your chances of securing a loan.

1. Get your financial house (and documentation) in order.

Typically, a business needs to have been profitable for the past three years in order to qualify for a bank or SBA loan. Since most lenders will look closely at your credit history prior to making a decision, keep an eye on your credit score and anything in your credit report that might be a red flag.

Remember, most banks will require that you personally guarantee the loan, but if you have sufficient collateral within your business to cover the loan principal, they shouldn't require a lien on your home.

2. Tell your company's story.

"In my prior experience as the co-founder of a lending company, one of the most basic errors made by loan applicants was not telling me why their company needs the money. And they wouldn't reveal why we should approve the loan even though their company doesn't meet our minimum standards," says Walter.

Is your industry experiencing growth? Are you scheduled to partner with a major retailer? What's your story?

"Don't just say you want a loan, turn in your documentation, and expect the loan officer to rubber-stamp your request," adds Walter. "Fine-tune your business pitch to include your future prospects--not just highlight past successes."

3. Go local.

A national bank is less likely to hear you out if your business hasn't been profitable for the last three years. It is also likely that your company will be passed over if you are lacking sufficient collateral to secure a loan. 

"Visit a community bank and also inquire about SBA loan programs," suggests Ross. "Since up to 80 percent of a business loan can be guaranteed by the government under the SBA program, some banks may be more lenient. The downside to this route, of course, is the lengthy paperwork and delay in securing financing due to bureaucracy."

4. Look at alternative financing for short-term needs.

Alternative financing is on the rise as historically profitable or growth-stage companies face shortfalls in cash flow.

"Asset-based lending and factoring are good bridge financing avenues for many small businesses," says Ross. 

With factoring, a company sells its accounts receivable to receive a short-term loan of up to 80 percent of its value. Asset-based lending is more comparable to the traditional loan process, where a lender will evaluate accounts receivable, inventory values, and fixed assets to determine creditworthiness, and issue a line of credit. If you don't qualify for traditional bank financing, look at these alternatives, but expect interest rates on these types of loans to be at least double what you'd pay for a traditional loan.

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Hoe te goedkoop Versier je slaapkamer

Het verfraaien van uw huis kan een leuke tijd voor u en uw gezin. Echter, het kopen leveringen aan elke kamer te versieren kan duur geworden in een haast . Er zijn tal van manieren om uw huis te versieren , zonder verbreking van de bank . Uw slaapkamer is een ruimte die vrij gemakkelijk kunnen worden ingericht op een krap budget.

1. Koop een sprei die up is gemaakt van effen kleuren . Uiteraard staat het je gaat te willen dekens op uw bed te zetten . Dekens die effen kleuren zijn bijna altijd goedkoper dan de meer ingewikkelde met details en decoraties . U kunt deze vinden op een warenhuis als grote naam discounters.

2. Gebruik punaises en spijkers om items zoals foto's en affiches te hangen in je kamer . Deze zijn veel goedkoper dan frames . Indien correct geplaatst , kunt u zelfs een geïmproviseerde collage aan de muur maken met behulp van spijkers en nagels.

3. Plaats objecten uit je kindertijd in de hele kamer muurstickers raadplegen . Veel mensen hadden dieren , poppen en action figures gevuld tijdens het opgroeien . Brengen van deze dingen op de top van uw dressoir of op een tafel die naast je bed siert je kamer en zo goed als kunt u pronken met items uit je verleden.

4. Verf delen van uw muur in plaats van je hele muur . Bijvoorbeeld , kon u een woord of zinnen verf op je muren . Als je meer artistieke , zou je zelfs foto's zoals bloemen of zelfs een portret te schilderen . Dit bespaart u een hoop geld omdat je niet hoeft te genoeg lak aan al van de muren van uw slaapkamer te dekken kopen.

5. Gebruik goedkope stof om gordijnen te maken voor uw ramen . Deze stof is te vinden op dezelfde grote naam discounters als uw dekens . Zelfgemaakte gordijnen zijn ook heel makkelijk te maken . Probeer de kleur van uw stof past bij de kleur van uw sprei om een kleurenschema voor uw slaapkamer .

6. Plaats foto's in de ruimte om uw slaapkamer versieren . Bijvoorbeeld , je kon tape foto's op de zijkant van uw dressoir of rond de omtrek van een spiegel in je slaapkamer . Dit is een unieke manier om een ​​ander soort decoratief behang te creëren in uw slaapkamer.

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How to Get Backlinks to your Website

Backlinks are the key to increasing pagerank and website traffic. In order to gain backlinks you will have to create unique, useful content as well as doing a lot of self promotion without setting off the Google alarms. The path to get backlinks can be a lot of work, but if you do it right, it can be a lot of fun and can even make you some extra money. You can find a lot of good sites to create backlinks by writing articles or posting links in the resources section.

1. Before you get Backlinks, you need to create some interesting content. The best backlinks aren't created by you, but are formed when someone finds your site interesting and decides to link to it.

2. Create backlinks using paying article sites like Ehow. There is a huge abundance of article sites that will pay you money for views or share in Adsense revenue. You should join a lot of them and create articles that relate to your website or blog. The money you receive from these sites may surprise you. These sites include Xomba, Bukisa, Ehow, Squidoo, and Infobarrel.

3. Create backlinks using social linking sites. On these sites you will post links to your site along with a short description. This description is generally about 50 words or less. These sites include Redgage, Shetoldme, and Propeller.

4. Write articles for non-paying sites. You will want to write for these sites because they generally have a high pagerank and sometimes other webmasters will post your content on their site with a backlink to your site. These sites include Ezine Articles and Articles Base.

5. Put your link in your forum signatures. This will send targeted traffic to your site as well as creating useful backlinks.

6. You can put your link on your Facebook or Myspace page, but Google tends to ignore these kinds of sites for backlinks.

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How to Plan a Romantic Night at a Hotel

Spending a night at a hotel with your partner can add some excitement to your relationship whether you're a new couple or have been married for decades. Checking in to a luxury resort is a treat, but even a night at the budget inn down the road from home can be a refreshing change from your daily routine. If your partner likes surprises, plan the entire thing without telling her. Blindfold her for the drive to the hotel and have a bouquet of flowers for her when you take the blindfold off.

1. Choose a night or weekend for the getaway. Pick a time when both you and your partner can get away without missing any commitments. If your partner has a stressful job and works long hours, a weeknight won't be a good choice because she may end up spending the whole night with her laptop, trying to get work done. Choose a time when you know you'll both be able to concentrate on each other without worrying about other tasks.

2. Find the right hotel. Ask friends and co-workers for recommendations and search travel Web sites such as Trip Advisor or Former’s. These sites have reviews from people who have stayed at the hotels, so they can give you more insight than simply relying on each pet friendly cheap hotels. Plan your budget for not only the hotel room but also for travel costs and extras. You may find a good deal for a weekend stay, but if you have to fly to get there it could end up costing a lot more than if you chose a hotel within driving distance.

3. Contact the hotel. Call the front desk and ask for help in planning a romantic stay. The clerk may be able to connect you with a concierge who can recommend a romantic restaurant nearby. If the hotel has a spa, the clerk can help you book services like a couple's massage. She may also be able to arrange for there to be a bottle of champagne and chocolate-covered strawberries waiting in the room when you check in.

4. Get some supplies. Buy some chocolates and a bottle of wine if the hotel isn't providing any. You can also buy some massage oil, bubble bath and candles to create your own romantic spa right in the bathroom of your room.

5. Pack a bag for yourself. If you're taking your partner on the trip as a surprise, pack a bag for her as well. Include both of your bathrobes, lingerie and nice clothes that are appropriate for a dinner at a nice restaurant. Include comfortable clothes for traveling home at the end of the getaway.

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Ballon Bleu de Cartier floral-marquetery parrot watch

For several years, Carier has been shaking up tradition with creativity and innovation while reviving rare and forgotten crafts. It has thus built up a formidable collection of exceptional watches.

This year Cartier has taken up a new craft in watchmaking: floral marquetry, which adorns and enlivens the dial of the Cartier Ballon Bleu watch.

A watch at the crossroads of two kinds of craftsmanship: the one, never before seen in watchmaking, immortalises flowers and their vulnerable beauty; the other, that of the jeweller, enhances the dial’s precious nature.

When the two combine, a kind of alchemy occurs, resulting in an explosion of colour: there is the blue and the orangey-yellow of the plumage, the deep black of the beak, the emerald green of the eye and the sparkling white diamonds in the background of the dial and on the crown.

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