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Are you REALLY serious about losing weight, controlling diabetes,
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You always know at a glance how many calories, fats, carbohydrates
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- Has 400 "open" locations for your favorite foods
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Most
People Spend 10% More Than They Make
You probably know how much money you
made last month, but do you know how much you spent? What
about this month? Do you know how much money you have left
to spend, and on what? If you don't, you're not alone. The
fact is, most of us spend 10% more than we make. No wonder
credit card debt is at an all time high. Plus, using debit
cards, credit cards, automatic deposits, and online payments
we rarely even see our money. It's easier than ever
to spend, spend, spend! And try tracking all those
ways of spending. It’s almost impossible. So what’s
the solution? Mvelopes Personal.
Why
Mvelopes Personal?
Mvelopes Personal is a remarkable new spending
management system that actually tracks your spending as it
happens. It’s a modern version of the traditional envelope
based system. Mvelopes provides daily balance information for
each of your spending categories, or envelopes, so that you
always know how much money you have left to spend, and also,
how long it has to last. This enables you to make better spending
decisions and stick to your budget plan. It really works. With
Mvelopes Personal you can begin to manage your spending, and
lay the foundation for reaching your financial goals.
How
does Mvelopes Personal Work?
| Step
1 » |
Create
a spending plan with unlimited spending accounts called
envelopes |
| Step
2 » |
Assign
an amount of your income to each envelope |
| Step
3 » |
Begin
spending from your envelopes. Mvelopes tracks your spending
as it happens. |
| Step
4 » |
Automatically
retrieve all your transactions at once from all your
bank, credit union and credit card accounts, including
bill pay, with the simple touch of a button. |
| Step
5 » |
Assign your transactions to the envelope
of your choice. The balance is automatically updated.
Mvelopes also rolls your balances over from one month
to the next.
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Top
Reasons To Use Mvelopes Personal
1.
Recover 10% of your income from hidden spending
Mvelopes users have found that once they know where they're spending
their money, they end up saving 10-20% of their income. If you make $40,000/year
that's $4,000 dollars you could save using Mvelopes Personal. See
a comparison
Sande, Photographer
"I had no idea that I was spending $400 per month on gardening! Mvelopes
Personal has helped me save $350 per month and put it toward debt reduction." |
2.
Always know how much you have left to spend in every budget category
Quicken® and MS® Money both use after-the-fact budget reconciliation.
This means that you don't know how much you have spent until it's too
late. Quicken and Money simply do not help you manage your spending or
effectively use a budget.Mvelopes Personal provides you critical balance
information for each spending category at all times. You always know
how much you have left to spend.
Stacy, Cosmetologist
"I love Mvelopes Personal because it actually sets aside money for upcoming
periodic expenses. All the other "budgeting" programs we tried were
only good for tracking what we had already spent - not telling us how much was
left to spend from before we made a purchase." |
3.
Automatically track all your purchases
With Mvelopes Personal, you get all your transactions from all your financial
institutions at once. Smart Link,
the transaction download service, simultaneously connects to all
your financial institutions and retrieves all your checking, savings,
and credit card transactions at once, and then posts them into Mvelopes
Personal. Getting all this information in one easy step saves you time
and money. No other personal finance program can do this!
Annette,
Homemaker
"Before Mvelopes, we would discuss purchases but not know exactly where
the money would come from… Now I feel much more in control of our money
and not controlled by it." |
4.
Effectively manage credit card spending
Mvelopes Personal's patent pending credit card spending tracker knows
every time you have used a credit card to make a purchase. It sets aside
money from your spending envelopes into a credit card payment envelope.
This enables you to pay off your purchases in FULL each month.
5.
Quickly eliminate debt
People who use Mvelopes Personal have found that many of their spending
Mvelopes have money left over in them at the end of the month. Instead
of spending this, they apply the total amount toward debt reduction.
Once one bill is paid they then roll the amount of that debt into the
next debt to pay it off even faster.
Stewart,
Journeyman Electrician
"My wife and I have been using Mvelopes Personal for over 4 months and have
eliminated ALL of our consumer debt! It has saved us more than once from impulse
buys and unnecessary finance charges. Once you've used it, you'll wonder how
you ever lived without it." |
6.
Never miss a payment again
Mvelopes Personal includes a full-featured
bill pay service, which helps you easily create and manage payments
online. Never miss a payment again. Make payments to ANY company or person
- up to 20 per month - and save more than $7.00 in postage alone, not
to mention the time you'll save.
7.
Get a FREE starter pack and one month's Free service
For a limited time you can try the Mvelopes Personal System FREE for
one month. There's absolutely no risk! If you choose to continue using
the Mvelopes Personal system it's just $12.95 a month, and you may cancel
at any time - no contracts. See
competitive cost comparison.
The Mvelopes Personal monthly service gives you:
- Complete
Spending Management Tools for your PC and Palm OS handheld,
plus unlimited FREE upgrades.
- SmartLink™,
Transaction Download Service, which gives you all your
transactions from all your online financial institutions
and credit cards, at once.
- Full-featured
Bill Pay Service up to 20 payments/month including postage.
- Mportfolio™,
Financial Management Service. Track your investments,
mortgage, car loans, loyalty programs, e-mail accounts and more
- all in one summarized page view.
- Free
Support and Coaching Service. Never pay to speak to a
customer support representative again, plus get free budget coaching.
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Get
Started Today!
For
a limited time, get the Mvelopes
Personal Setup CD and your first
month's service absolutely FREE (just
$6.90 shipping and handling).
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JJ Kent's Italian Charm Bracelets allow you to express your individuality by assembling and wearing interlocking charms of your choice. With thousands of charms to choose from, in dozens of styles, the combinations are totally endless; nobody will ever have the exact same bracelet as yours. You can even create your own custom charms!
Click here to begin building yours ? the web site is fun and their ?drag-and-drop? interface allows you to really see what your bracelet will look like before you order.
College Application Essays with EssayEdge
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Application
Essay Writing 101
The
application is a lifeless thing--a few sheets of paper and a few numbers.
The
essay is the best way to breathe life into it. - Admissions Officer
Welcome to EssayEdge’s Admissions Essay writing
course. After editing tens of thousands of admissions essays for applicants, we created the ultimate course for
students seeking an extra edge in
the ultra-competitive college and graduate school application process.
The course contains six lessons and over 100 pages of
content. Each of the lessons should help you with a different portion of the
essay.
Enter the course by clicking a link below or to the
left.
Lesson One: Tackling the Question
Question-specific
strategies and samples
of various types of questions with comments by admissions officers:
From ESSAYS THAT WILL GET YOU INTO COLLEGE, by Amy Burnham,
Daniel Kaufman, and Chris Dowhan.
Copyright 1998 by Dan Kaufman.
Reprinted by arrangement with Barron's Educational Series, Inc.
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Untitled Document
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Try one
of your favorite movies edited FREE
for
15 days!
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CleanFilms Cleans
Up Hollywood's Act
Have you ever sat down to watch what you thought would be a good movie
only to turn it off a few minutes later because of some offensive content?
Worse yet have you ever watched the entire movie and at the end felt like
the positive aspects of the movie were overshadowed by the offensive and
unnecessary ideas the movie also contained? This has happened to me on
several occasions.
Hollywood's sense of morality seems to be plunging downward in a toilet
bowl spiral.
Several companies have taken on the challenge of cleaning up Hollywood's
act by making edited versions of popular Hollywood movies.
The concept and practice of editing Hollywood movies isn't new. For years
edited movies have been shown on airplanes and television. However, there
are some in Hollywood who aren't very happy about this new wave of movie
editing companies.
All of this is erupting into, what looks to be, a drawn out battle in
the courts. Some say that the final decision may end up with the Supreme
Court because the issue may deal with First Amendment rights.
The core family values that have built our society have been under constant
attack. This attack is lead, in large part, by the movie industry.
I, for one, am glad that there are people and companies out there who
are taking a stand for consumer rights by bringing a cleaner choice to
the movie market.
CleanFilms has established itself as the number 1 source for edited movies
nationwide. CleanFilms
movies have been edited for content to remove nudity and sexual situations,
offensive language, and graphic violence.
CleanFilms delivers edited DVD movie rentals like Black Hawk Down, Bridget
Jones Diary, and Changing Lanes, nationwide via 1st Class US mail. Members
of CleanFilms enjoy Unlimited monthly rentals shipped directly to their
homes. There are never any due dates, late fees, or shipping charges.
When you are done watching the movie rental just put it in the CleanFilms
postage paid return mailer and drop it in the nearest mail box.
CleanFilms operates as a DVD movie rental Co-operative. To rent movies
from CleanFilms you simply go to their website, www.CleanFilms.com
and sign up for a membership. As a member you are part of the CleanFilms
co-op. By operating as a co-op and utilizing Fair Use provisions of copyright
law, CleanFilms can edit DVD movies for in-home use as long as they maintain
a 1 to 1 ratio regarding original to edited copy. This means that for
every edited copy of Black Hawk Down that CleanFilms has available for
rental they must have an original unedited version at their offices as
proof of purchase.
After joining CleanFilms you simply login to your account at www.CleanFilms.com
and browse the website for movies you want to rent. To rent a movie just
click on the yellow rent button that corresponds with each movie. This
places the movie in your personal rental queue. CleanFilms system will
automatically check this movie out and send it to you through the mail.
Chad Fullmer, CleanFilms CEO, said, " CleanFilms basic guiding principle
is that of choice. All that we are doing is offering people the choice
to watch movies in the privacy of their own home how they choose to. We
aren't trying to fool anyone. We make it clear to everyone that our DVD
movies are edited for content and that the original movie studios, producers,
and directors are not involved with the edits."
Mr. Fullmer continued by saying, "I think it is incredible that Hollywood
is trying to control what families and individuals do in the privacy of
their own home. Why Hollywood is trying to take away American citizens
First Amendment rights is beyond me."
CleanFilms is showing Hollywood that there is a market and a reason to
offer cleaner entertainment.
With the moral decline in Hollywood's movies, and its corresponding effect
on society, I am glad that there are companies out there like CleanFilms.
It is time for the moral majority to stand up and be heard.
To learn more about CleanFilms please visit their website www.CleanFilms.com.
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Curious about your family's history? Do you descend from royalty?
Search for free for more information about your last name, family crest, and coat of arms. Everything at LastName.com is available on a variety of merchandise including shirts, sweatshirts, mugs, wine glasses, framed prints, and more.
Whether for Christmas, a birthday, or any other time, these make great gifts!
Tips on Buying Wood FurnitureFrom Pop's Furniture
Ready-to-finish furniture gives you a wide range of options that can meet all your furniture needs. Pop's Furniture offers quality products from both local craftsmen and national manufacturers that will fit any budget.
Wood Definitions:
Solid Wood means that all exposed parts of the furniture are made of solid board, either softwood or hardwood lumber. No veneers or particle boards are used. When solid boards are used in furniture construction, they are glued together side by side along the edges. Often, a number of boards are used to make the wood more stable and reduce the chance of warping. By following a seam to the end you can always identify solid board, where you will find the "end" grain. Many veneers are glued over the edges to look like solid wood, but they will always be faced on the end and show no end grain.
Remember, "all-wood furniture" is not necessarily solid wood. A veneer can help you achieve the look you desire at a cost lower than solid lumber.
Artificial veneers can be overlaid on plywood or particleboard. A plywood core is lighter, less expensive and more forgiving if damaged, but it can swell if it gets wet. If damaged, particleboard will often fracture because the material is so hard it cannot absorb a shock.
There are three types of glue-up in most solid wood furniture:
Plank is made of pieces that have the same length but varying widths.
Laminated is made of pieces that have the same length and width.
Butcher block is made of pieces with varying length but the same width.
Veneer is a thin layer of wood applied in sheets over underlying layers of wood, plywood or particleboard. Plywood is made of thin layers of solid wood glued over each other with grains running at 90-degree angles to produce a strong core. A "real wood" veneer is often glued on top.
Gluing chips and particles of wood together and pressing them into sheets, upon which a veneer can be glued, makes particleboard. The specific density of the wood determines hardness, not by whether a tree is classified as a "hardwood" or "softwood." Hardwoods come from deciduous trees. (e.g. maple, oak, alder)
Softwoods come from conifers. (e.g. pine, spruce, fir) Some hardwoods, such as balsa wood, are softer than some softwoods, such as pine.
Tips:
Drawer construction is generally a good indication of overall furniture quality. Some drawers have no guides. The lack of guides allows more "play" and can cause the drawer to bind when it is opened and closed. Others have wood-to-wood center guides, nylon-to-wood center guides, side-mounted roller guides or center-mounted metal guides. Roller guides and center-mounted metal guides normally have built-in drawer stops, and some have lifetime warranties for drawer operation.
Many drawers have glue-blocks to strengthen the bottom. Most ready-to-finish chests have wood drawer bottoms not always the case with prefinished furniture. Now, as in the past, doweled and dovetailed drawer joints indicate a high degree of craftsmanship. However, modern machine technology, good bonding glue and pneumatically driven staples coated with resin have afforded savings in construction while providing durability.
The quality wood furniture you purchase today can be used for a lifetime. There are many benefits you'll find in Solid Wood furniture. For a selection of solid wood furniture and more information on buying wood furniture click here.
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Looking for a recipe that is easy to prepare while on the road?
Baked Lasagna1 lb. lasagna noodles, uncooked
1 1/2 lbs. ground beef
Ricotta cheese
1/2 cup Parmesan cheese
1 1/2 qt. Spaghetti sauce
2 med. Cans drained mushrooms
Crumble and sauté ground beef. Mix in mushrooms. Using a 9" x 13" pan, cover bottom of pan with thin layer of sauce, then a layer of uncooked noodles, layer of ricotta cheese, layer of ground beef and then cover with some of the sauce. Repeat each layer, covering the last layer with sauce. Store in refrigerator overnight. Bake at 350° for 1 hr., covered with foil. Remove foil and top with Parmesan cheese. Place back in oven until cheese is melted. Cool about 15 min. before serving.
Make approx 2 lbs.
For more useful RV recipes, tips and tricks, visit
the ultimate RV resource, tldirectory.com
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