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		<title>Marriage, Money: Till debt do us part?</title>
		<link>http://www.itsabout.net/marriage/marriage-money-till-debt-do-us-part.html</link>
		<comments>http://www.itsabout.net/marriage/marriage-money-till-debt-do-us-part.html#comments</comments>
		<pubDate>Mon, 15 Nov 2010 03:11:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Marriage]]></category>
		<category><![CDATA[norman torvik married]]></category>

		<guid isPermaLink="false">http://www.itsabout.net/?p=119</guid>
		<description><![CDATA[But the focus tends to be on big-day money matters (Who&#8217;s paying for the wedding? The dress is how much?), not money matters that can affect a couple&#8217;s happiness throughout life. Questions about debt, financial goals and money values may not be addressed until a conflict arises after the ceremony. And by then, it can be too late. [...]]]></description>
			<content:encoded><![CDATA[<div id="story_bycredit"><span style="font-size: 11pt;">But the focus tends to be on big-day money matters (Who&#8217;s paying for the wedding? The dress is how much?), not money matters that can affect a couple&#8217;s happiness throughout life. Questions about debt, financial goals and money values may not be addressed until a conflict arises after the ceremony. And by then, it can be too late.</span></div>
<div id="story_body">
<div id="story_text_top">
<p><span style="font-size: 11pt;">Amy Jensen Wolff, a certified financial planner specializing in divorce, said it&#8217;s sad when couples only begin to understand each other&#8217;s financial behavior during divorce<br />
proceedings.</span></p>
<p><span style="font-size: 11pt;">&#8220;Openness and honesty is so important to a marriage,&#8221; said Wolff. &#8220;If they don&#8217;t have it in their financial lives, it just leads to mistrust in so many areas.&#8221;</span></p>
</div>
<div style="float: right;"><a  rel='wpls'  rel="nofollow" href="http://920d0zrb6qh2lfjjktjdogs2bh.hop.clickbank.net/?tid=Pass" target="_blank"><img src="/images/SaveMyMarriage.jpg" alt="" width="250" /></a></div>
<div id="story_text_remaining">
<p><span style="font-size: 11pt;">Financial educator Ruth Hayden tells couples in her classes to have a money meeting in a neutral, public place like a coffee shop. Couples should come clean about credit scores and debt and disclose their savings and incomes. No blame or judgment permitted.</span></p>
<p><span style="font-size: 11pt;">In these meetings, couples may find that when it comes to money, opposites attract. A study conducted earlier this year by University of Pennsylvania Wharton School lecturer Scott Rick and two other researchers found tightwads and spendthrifts tend to marry, perhaps because they subconsciously hope their partner will help them to act less stingy or less spendy.</span></p>
<p><span style="font-size: 11pt;">But for these pairings &#8211; or any relationship, really &#8211; to work, communication is key. Some couples prefer having these conversations in front of a neutral party &#8211; a financial planner or coach.</span></p>
<p><span style="font-size: 11pt;">These aren&#8217;t &#8220;light topics that you sit down and start chatting about,&#8221; said Bjorn Nesvold, a financial associate with Thrivent Financial for Lutherans in Lake Elmo, Minn. He meets with couples about to tie the knot and uses a Thrivent-developed program called &#8220;From Me to We&#8221; to<br />
address commingling finances, saving for retirement as a couple and buying insurance.</span></p>
<p><span style="font-size: 11pt;">It doesn&#8217;t have to be all seriousness, though. Couples can learn a lot about each other by asking &#8220;fun, walk-around-the-lake&#8221; questions such as &#8220;How would you spend the money if you won the lottery?&#8221; and &#8220;If I handed you a $100 bill, what would you do with it?&#8221; Hayden suggested.</span></p>
<p><span style="font-size: 11pt;">Long-married couples should talk as well, especially given the current financial climate. About three in 10 Americans said the recession has &#8220;added stress to,&#8221; &#8220;strained&#8221; or even &#8221;ruined&#8221; their relationship, according to a recent online survey for ING Direct.</span></p>
<p><span style="font-size: 11pt;">Janelle Torvik and David Billigmeier, both 27, are marrying this weekend. The couple didn&#8217;t talk much about money before their engagement. In subsequent conversations in Nesvold&#8217;s office, the pair has learned that he&#8217;s &#8220;Microsoft Money and I&#8217;m totally like, &#8216;Oh, I think I have about that much in my account,&#8217;&#8221; Torvik said.</span></p>
<p><span style="font-size: 11pt;">The couple differ over how much to save. Billigmeier would like to save more for the future, but is more likely to go out and buy a top-of-the-line Blu-ray player. Torvik is more frugal. The two are on the same page regarding debt (&#8220;good debt&#8221; such as housing, is OK, but they like to avoid the other kinds).</span></p>
<p><span style="font-size: 11pt;">Nesvold is helping them find-and keep-common ground.</span></p>
<p><span style="font-size: 11pt;">Mr. Microsoft Money will obviously manage the day-to-day tracking of their finances, and he encourages his wife-to-be to open up the program at any time. The duo will combine their earnings in a household account. And both will have a separate monthly allowance each can spend as they please.</span></p>
<p><span style="font-size: 11pt;">Many advisers, including Hayden and Wolff, recommend this approach. &#8220;You have to have a place to practice in money where you make decisions together,&#8221; Hayden explained. &#8220;Keeping it separate gives the illusion that you don&#8217;t have any differences,&#8221; which leads to conflict. Hayden does recommend each person have a credit card in his or her name, but its use must follow a household credit card policy.</span></p>
<p><span style="font-size: 11pt;">&#8220;I think it is very important for both spouses to take responsibility for financial status,&#8221; Wolff said. &#8220;So often, I hear one spouse blaming the other.&#8221;</span></p>
<p><span style="font-size: 11pt;">Aside from openness and communication, couples will have a better chance staying happily hitched by following what Wolff calls &#8220;Financial Planning 101: Avoid having credit card debt, have an emergency savings account, don&#8217;t live beyond your means,&#8221; she said.</span></p>
</div>
</div>
<div><strong><span class="byline" style="font-size: 9pt;">By KARA MCGUIRE</span><span style="font-size: 9pt;"> -</span> <span class="creditline" style="font-size: 9pt;">Star Tribune (Minneapolis)</span></strong><span style="font-size: 11pt;"> </span><span style="font-size: 11pt;"> </span></div>
<div id="story_tools">
<p>Source: <a  rel='wpls'  href="http://www.modbee.com/business/story/819543.html">The Modesto Bee</a></p>
</div>
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		<title>Can you really save 40% on your electricity bills by plugging a small box into your AC socket?</title>
		<link>http://www.itsabout.net/electricity/can-you-really-save-40-percent-on-your-electricity-bills-by-plugging-a-small-box-into-your-ac-socket.html</link>
		<comments>http://www.itsabout.net/electricity/can-you-really-save-40-percent-on-your-electricity-bills-by-plugging-a-small-box-into-your-ac-socket.html#comments</comments>
		<pubDate>Mon, 08 Nov 2010 02:03:28 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Electricity]]></category>
		<category><![CDATA[electric bills]]></category>
		<category><![CDATA[power savers]]></category>

		<guid isPermaLink="false">http://www.itsabout.net/?p=146</guid>
		<description><![CDATA[In the past, a number of products have been advertised on TV and online which seem too good to be true. I’d like to explain the reality of these exciting claims and give you a layman’s understanding of how Power Savers work. A Power Saver is a device which you plug in to your power [...]]]></description>
			<content:encoded><![CDATA[<p>In the past, a number of products have been advertised on TV and online which seem too good to be true.  I’d like to explain the reality of these exciting claims and give you a layman’s understanding of how Power Savers work.</p>
<p>A Power Saver is a device which you plug in to your power socket.  Apparently just by keeping the device connected it will immediately reduce your power consumption.  Typical claims are savings between 25% and 40%.</p>
<p>The technology behind Power Saver units comes from German research coupled with Asian manufacturing and it is based on sound scientific principles.</p>
<p>Electricity is not stable.  When electricity flows the voltage can rise and fall all the time.  The rises in voltage are known as ‘spikes’ and they cannot be used by your appliances at all.  All these spikes do is waste your electricity.  These power spikes also convert electrical energy into heat energy which leaks power from your circuit.  Not only that but the heat will also do long-term danage to your wiring and to your appliances.</p>
<p>There are a few Power Saver models on the market but they all work along the same principle.  They store the electricity inside of it using a system of capacitors and they release it in a smoother way to normal without the spikes.  The systems also automatically remove carbon from the circuit which also encourages a smoother electrical flow.    This means that you will have less power spikes.  More of the electricity flowing around your circuit can be used to power your appliances than before.</p>
<p>There are many factors which do affect the efficiency of your Power Saver.  The device works immediately after plugging it in although it can take as long as 8 days before it has adjusted itself for peak performance.  The rate of savings will depend on what kind of appliances you have connected.  All appliances are different but expect savings of up to 25% on lights, 30% on air-conditioning units and up to 35% on other appliances.</p>
<p>The highest savings will be in areas where voltage supply is less stable.  Locations close to shops, restaurants and light industries tend to gain additional savings from Power Saver devices.</p>
<p>So how can you be sure that your Power Saver is working correctly?</p>
<p>Most often Power Savers come fitted with a light to indicate that it is working.  If you have access to an electricity meter then you should see it immediately slowing down.  Assuming that the light is on and that you leave the device unattended you can expect savings immediately.  Be aware that often electricity companies will not take meter readings each month.  Often bills are calculated on monthly averages which self-correct over time so please be aware of that in using your bill as a guide.</p>
<p>Finally, it is highly recommended to order your Power Savers from companies offering 100% guarantees for longer than 30 days.  Remember that 30 days may not be sufficient time to truly know if the device is working as effectively as you expect.  Try to work with companies that extend their guarantee dates to at least 60 day which gives you a much longer period to assess the benefits.</p>
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		<item>
		<title>Save Your Marriage Before It&#8217;s Too Late</title>
		<link>http://www.itsabout.net/marriage/save-your-marriage-before-its-too-late.html</link>
		<comments>http://www.itsabout.net/marriage/save-your-marriage-before-its-too-late.html#comments</comments>
		<pubDate>Thu, 21 Oct 2010 02:08:59 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Marriage]]></category>
		<category><![CDATA[marriage problems]]></category>
		<category><![CDATA[norman torvik married]]></category>
		<category><![CDATA[reason for divorce]]></category>
		<category><![CDATA[save marriage]]></category>

		<guid isPermaLink="false">http://www.itsabout.net/?p=151</guid>
		<description><![CDATA[Everyone wants to have a happy marriage. A happy marriage is one of the finest things life can offer. But after some time different kinds of problems appear in our life. It is true that many people give up on a marriage too soon, and too many marriages end up being weighted down by unresolved [...]]]></description>
			<content:encoded><![CDATA[<p>Everyone wants to have a happy marriage. A happy marriage is one of the finest things life can offer. But after some time different kinds of problems appear in our life. It is true that many people give up on a marriage too soon, and too many marriages end up being weighted down by unresolved difficulties.</p>
<p>What happens if none of those things from the beginning of your relationship are happening any more such as: the little favors nowadays, cook your favorite meal, buy you something special; those little things that showed you she cares about you. Knowing that you may be losing the person you love is hard on anyone. Like most people in your situation you are probably feeling scared and confused, not knowing what to do next. If you feel that your marriage is crisis, don&#8217;t show your partner that you&#8217;re panicking; try to keep calm and in control your emotions.</p>
<p>Both of you need to remember that no matter how bleak things seem, it is possible for many marriages to get back on course, but both husband and wife should be willing to cooperate. The important thing is to stay calm and to know what to avoid and what to aim for to make relationship work. You can save your marriage even if your partner wants a separation, she asks for divorce, or doesn&#8217;t love you anymore. But to stop divorce you need to avoid doing what hurts your relationship, knowing that there&#8217;s always a hope to save your marriage.</p>
<p>Jealousy is one of the reasons why most people get divorce, but is not the only one. If she caught you with infidelity and that&#8217;s why she wants to get divorce, the hardest thing you will need to do is to rebuild trust in your relationship: always be on time home, do what you say you do and be honest. Also, never lie to your spouse again, communicate clearly all the time, take time to reassure your spouse if she feels insecure, show her affection on regular basis and also be patient with her.</p>
<p>As I said there are many other reasons why people get divorce. This is usually a big mistake so try first to do all the sacrifices that are necessary to save your marriage.</p>
<ul>
<li>first and the most important is to identify your problems; take an honest look at the relationship and determine what the problems are; truly express what is disturbing you in, as much details as possible; look for solutions rather that blaming your partner</li>
<li>if you are guilty for this situation, show her your companion, respect and affection; everyday remind her how much you love her and put meaning from the heart into those words</li>
<li>start doing things that were usually done when both were still in loved and married</li>
<li>express your feelings, communicate your feelings honestly and openly as you can</li>
<li>establish open dialog and begin to compromise and heal; discuss about your feelings and come to an agreement about what you feel the relationship needs</li>
<li>also you have to learn to listen as well; the things that are brought up should be treated as guides so that the couple will learn how to respect each other&#8217;s feelings and points of view; she may talk about what she is feeling regarding the relationship</li>
<li>you have to work hard to understand and change what is bothering your partner in the relationship; even if she still loves you, she may see some persistent problems in you, and that&#8217;s why she may have lost hope for the relationship because of them; you have to understand better your partner&#8217;s perception of these problems</li>
<li>if you are getting stale on your sex life, talk to each other, spend more time alone just the two of you, go on a vacation</li>
<li>open yourself to the fact that any issue can be understood and interpreted in a variety of ways, otherwise you will continue to stay in a rut</li>
<li>think about the ways you contribute to the situation</li>
<li>learn to internalize and understand that your partner is not you; both have to find ways to empathize with the other&#8217;s point of view</li>
<li>appreciate the value of the other&#8217;s experience in the way that is different than yours</li>
<li>don&#8217;t allow old negative behavior patterns to swamp the present moment</li>
<li>learn to forgive and forget; learn to forget anything and accept one another; bringing up the past will not save the marriage; one must learn to forgive the spouse and forget all the mistakes from the past</li>
<li>seek both for a solution; remember that you are two different people; is not about who is wining here, it&#8217;s about respect, intimacy, growth and emergence</li>
<li>set goals to work as a couple, such as: to communicate without arguing, to attempt to do things as a couple, to find an end to your problems, and also write down your feelings and allow the other to read them</li>
<li>last but not at least, be patient; your marital problems did not crop up overnight and they will not be healed overnight; discuss all the emotions that you both feel until you are centered and ready to begin anew</li>
</ul>
<p>So, if you have some problems in your marriage, wait first to see if that marriage can be saved, don&#8217;t be hurry to get divorced. Always have to think positive, that there is a hope to save your marriage no matter how many problems appear in your life. And remember that to have lasting satisfaction you need to know how to keep love and good feelings alive.</p>
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		<item>
		<title>Marriage is a Balancing Act</title>
		<link>http://www.itsabout.net/marriage/marriage-is-a-balancing-act.html</link>
		<comments>http://www.itsabout.net/marriage/marriage-is-a-balancing-act.html#comments</comments>
		<pubDate>Thu, 17 Jun 2010 02:14:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Marriage]]></category>
		<category><![CDATA[communication]]></category>
		<category><![CDATA[conflict resolution]]></category>
		<category><![CDATA[norman torvik married]]></category>
		<category><![CDATA[partnership]]></category>

		<guid isPermaLink="false">http://www.itsabout.net/?p=121</guid>
		<description><![CDATA[Norman and Samantha are celebrating their 9th wedding anniversary. The past nine years cannot be called married bliss even if they were madly in love with each other. Like any other couples, they have had their share of conflicts and trials. But Norman and Samantha&#8217;s main problem is that they are extreme opposites. Samantha likes [...]]]></description>
			<content:encoded><![CDATA[<p>Norman and Samantha are celebrating their 9th wedding anniversary. The past nine years cannot be called married bliss even if they were madly in love with each other. Like any other couples, they have had their share of conflicts and trials. But Norman and Samantha&#8217;s main problem is that they are extreme opposites. Samantha likes the finer things in life while Norman is like the cowboy who likes to get his hands dirty and enjoys the simple pleasure of the outdoors and sports. There are things that get into each other&#8217;s nerves and they both end up in a shouting match. This pattern of behavior had resulted in stress and anxiety. Many have told them to work on their communication skills if they want their marriage to remain intact.</p>
<p>Like Norman and Samantha, thousands of couples struggle with communication. The way we communicate plays a big part in marriage. It defines how we relate to our spouses and to our children. Poor communication can actually lead a marriage to utter failure.</p>
<p>Long-lasting marriages are usually characterized by open, encouraging, and positive communication between the man and woman. Learning how to properly identify issues that must be resolved is also a communication skill that no married person can afford not to have.</p>
<p>There are a number of ways to communicate with your spouse. Why not improve on your commuincation style by reading the following methods or types of communication:</p>
<p><strong><em>Types of Communication:</em></strong></p>
<ul>
<li> The Discussion Type- Having a discussion gives you time to see each other&#8217;s point of view a lot better. You must learn how to talk and listen attentively, clarify issues, and acknowledge each other&#8217;s thoughts and feelings.</li>
<li>The Confrontational Type – As the worst type of communication, if it can be called communication at all, is confrontational. This usually involves shouting matches in the heat of an argument.</li>
<li>The Non-Confrontational – You simply do nothing, ignore your misunderstandings, and prefer to be silent about an issue in your marriange. It is a type of “non-communication” that does not lead to the resolution of a problem.</li>
</ul>
<p><strong><em>Types of Conflict Resolution</em></strong></p>
<p>Couples should also try to learn and practice conflict resolution techniques. Marriage cannot survive if problems are not discussed and resolved completely. It is important for couples to know about the ways people approach a conflict. These approaches are as follows:</p>
<ol>
<li>The Avoidant Type – This type avoids all hot issues or topics and actually cause a problem to get worse. Couples who avoid conflict usually value each other&#8217;s private space and tend to live in a placid manner without the intense passion. However, the way they avoid discussing issues can sometimes complicate their problems.</li>
<li>The Validating Type – This entails affirming one another&#8217;s feelings, considering all points of view, and coming to an amicable settlement. Couples who maintain this type of communication see each other as friends and value the collaborative nature of their relationship rather than their selfish aspirations.</li>
<li>The Volatile Type- When couples don&#8217;t listen to each other&#8217;s point of view but try to convince each other that he or she is right have the perfect ingredient for divorce or separation. When couples see each other as equals and respect each other&#8217;s individuality and independence, they are able to discuss constructively without resorting to heated arguments and “volatile” actions.</li>
</ol>
<p><strong><em>Tips for a Successful Partnership</em></strong></p>
<p>It is important for couples to know that the success of their marriage depends a lot on good communication and the ability to talk constructively as partners. These tips are simple yet can do a lot to make a marriage last:</p>
<ul>
<li>Being affectionate</li>
<li>Showing your concern or how much you care</li>
<li>Being thoughtful by giving gifts even when there is no occasion</li>
<li>Being appreciative</li>
<li>Having a healthy sense of humor</li>
<li>Sharing each other&#8217;s joy</li>
</ul>
<p>To keep marriage strong, couples must share their interests and explore new things together. They must also learn to accept each other&#8217;s weaknesses and perspectives even if they do not agree. Indeed, marriage is a matter of give-and-take. Whether it&#8217;s having an argument or making a marriage work, it does take “ two to tango.”</p>
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		<title>Top 3 Solar Portable Electricity Generators</title>
		<link>http://www.itsabout.net/electricity/top-3-solar-portable-electricity-generators.html</link>
		<comments>http://www.itsabout.net/electricity/top-3-solar-portable-electricity-generators.html#comments</comments>
		<pubDate>Sun, 13 Dec 2009 05:23:53 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Electricity]]></category>

		<guid isPermaLink="false">http://www.itsabout.net/?p=51</guid>
		<description><![CDATA[One portable solar electricity generator we looked at comes in three different models. The first version is 12 amp AC with an inverter of 150 watts. The other two versions, both DC are either 12 or 30 amps. All these portable solar electricity power generators come with 20-foot long 12/2 cable and DC plugs for [...]]]></description>
			<content:encoded><![CDATA[<p>One portable solar electricity generator we looked at comes in three different models. The first version is 12 amp AC with an inverter of 150 watts. The other two versions, both DC are either 12 or 30 amps. All these portable solar electricity power generators come with 20-foot long 12/2 cable and DC plugs for input. What are not included are batteries or modules.</p>
<p>These portable solar generators come factory tested and fully assembled. They are easy to use plug and go systems. The AC model has an inverter switch on the outside; they all come with PV module type accessories for mounting. Other features of these solar generators are 120 VAC sockets equipped with outdoor covers for the AC models. These same models also have 150-watt internal inverters.</p>
<p>You&#8217;ll always know the condition of your charge with these portable solar generators, thanks to their battery meters. Protective safety and durability features include separate fusion of all sockets, enclosures that are nonbreakable, rugged and resistant to weather and corrosion. The solar panels of these portable generators make them DC chargeable as well as friendly to the environment. Each of these made for your home power generators come with 2 DC sockets that can accommodate loads as high as 90 watts each.</p>
<p>This made for home portable power generator can be recharged from a solar module or an AC battery charger, an optional accessory. The unit is fully integrated and generators AC or DC electricity quietly. It is ideal for running lights, fans, laptops, and small televisions or power tools.</p>
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		<title>International Phone Number Lookups</title>
		<link>http://www.itsabout.net/reverse-phone/international-phone-lookups.html</link>
		<comments>http://www.itsabout.net/reverse-phone/international-phone-lookups.html#comments</comments>
		<pubDate>Wed, 09 Dec 2009 01:22:38 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Reverse Phone]]></category>

		<guid isPermaLink="false">http://www.itsabout.net/?p=88</guid>
		<description><![CDATA[Sometimes we received a strange call from unfamiliar phone numbers and possibly coming from a different country and we can conduct an international reverse phone lookup. International reverse phone lookups allow individuals to identify the source location, service provider and the owner’s name of the suspected phone numbers, regardless of the country or global location. [...]]]></description>
			<content:encoded><![CDATA[<div id="article">
<p>Sometimes we received a strange call from unfamiliar phone numbers and possibly coming from a different country and we can conduct an international reverse phone lookup. </p>
<p>International reverse phone lookups allow individuals to identify the source location, service provider and the owner’s name of the suspected phone numbers, regardless of the country or global location.  By inputting the unknown phone number into the database search function, we can retrieve any important data and information available on the unknown international number. Many of the services offered are free, while others provide more detailed information for a small fee.</p>
<p>
	</div>
<div id="article">
<h3>More Resources</h3>
<p><strong>International Phone Number Scams</strong> &#8211;  International phone scams using &#8220;809&#8243; area code numbers involve sending a message via e-mail or phone and asking the person to call a number to obtain information on urgent litigation matters or to collect prize money. When the person calls, they are charged a pay-per-call rate (much like the &#8220;900&#8243; numbers in the U.S.) that can be as high as $.25 per minute.</p>
<p><strong>International Dialing Codes</strong> &#8211; Research and find international dialing codes through this collection of resources that makes the process swift and easy.  </p>
<p><strong>List of International Reverse Phone Lookups</strong> &#8211; You can perform free international reverse phone lookups in the same manner as you perform lookups on American numbers. The only difference is that in some countries, there are regulations limiting the kinds of information you can obtain when performing such number searches.</p>
<p><strong>Canadian Reverse Phone Lookups</strong> &#8211; In conducting research, it is important to ensure that the reverse lookup service you plan to use includes Canadian information. There are several free services available, but because of regulatory laws in Canada, you may only find general information about the name and location of the person or company you are researching.</p>
</div>
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		<title>Is There A Free Reverse Cell Phone Directory?</title>
		<link>http://www.itsabout.net/reverse-phone/is-there-a-free-reverse-cell-phone-directory.html</link>
		<comments>http://www.itsabout.net/reverse-phone/is-there-a-free-reverse-cell-phone-directory.html#comments</comments>
		<pubDate>Sun, 06 Dec 2009 20:53:32 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Reverse Phone]]></category>

		<guid isPermaLink="false">http://www.itsabout.net/?p=68</guid>
		<description><![CDATA[One of the most common questions that we hear from people is whether or not a free reverse cell phone directory actually exists on the Internet. Unfortunately, the firm answer is no. If you&#8217;re searching for an accurate, complete and guaranteed reverse cell phone directory results, you need to pay a fee for it. In [...]]]></description>
			<content:encoded><![CDATA[<p>One of the most common questions that we hear from people is whether or not a free reverse cell phone directory actually exists on the Internet.  Unfortunately, the firm answer is no.  If you&#8217;re searching  for an accurate, complete and guaranteed reverse cell phone directory results, you need to pay a fee for it.</p>
<p>In your research for an available free reverse cell phone directory service, you will find some pseudo-directories promising you to allow free cell phone lookups, but they&#8217;re usually just websites that allow you to know the carrier or its  location of a phone number and not the owner of the phone.</p>
<h4>Why Isn&#8217;t There a Free Reverse Cell Phone Directory?</h4>
<p>Once people found out that there&#8217;s no such thing as a free reverse cell phone directory, they asked a big question &#8211; why not?  After all, there are lots  of free reverse lookup websites for land line numbers.  What&#8217;s the difference with cell phone?</p>
<p>Well, the difference is the classification of the information.  Your home phone numbers are considered public domain information, can be found in whitepage directories and  has been a public domain for decades.  That&#8217;s why no one has to ask your permission to publish your land line phone number in the telephone book.  In fact, sometimes you have to pay a fee to keep your name OUT of those whitepage phone books (i.e., to get it unlisted or non-published).</p>
<p>Cell phone numbers are generally more private, since you&#8217;re charged for every call you receive, including telemarketers you don&#8217;t want to talk to <a  rel='wpls'  href="http://www.itsabout.net/reverse-phone/myth-about-cell-phone-and-marketers.html">(although it&#8217;s illegal for them to call your cell phone without permission!)</a>.  That&#8217;s why cell phone numbers are typically harder to track down.</p>
<h4>Wireless 411 Directory</h4>
<p>A few years back, there was some talk about putting together a reverse cell phone directory listing.   In which, all of the different cell phone service providers would contribute their numbers, and the directory would be made available for public.  However, the concern about telemarketers and privacy caused the idea to be abandoned (for now).</p>
<p>That doesn&#8217;t mean that putting together a reverse cell phone directory is impossible.  The truth about this is that it can be done- and has been done&#8211; but it requires plenty of effort, since the information has to be compiled manually from millions of different records.  Because it takes so much work, no one is able to offer this service for free.  In addition, most reverse cell phone directory providers who charge simply don&#8217;t have access to a complete database of information.</p>
<h4>Reverse Phone Detective</h4>
<p>Reverse Phone Detective stands out as having one of the most comprehensive and accurate reverse phone search databases on the Internet. Just run a few Google searches and you&#8217;ll quickly discover they&#8217;re often the top-ranked reverse cell phone site online.</p>
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<strong><span style="font-family: Tahoma, Geneva, sans-serif; color: #ff0000; font-size: medium;">Make Your Search Now!!!</span></strong></div>
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<form action="http://agmtrading.phonesrch.hop.clickbank.net" method="get">
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<input class="btn" alt="Search Now" src="/rpd-images/search-127x34.gif" type="image" /> <span style="font-size: xx-small;">powered by:<br />
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		<title>Myths and Non-Myth about Cell Phones and Telemarketers</title>
		<link>http://www.itsabout.net/reverse-phone/myth-about-cell-phone-and-marketers.html</link>
		<comments>http://www.itsabout.net/reverse-phone/myth-about-cell-phone-and-marketers.html#comments</comments>
		<pubDate>Sat, 05 Dec 2009 21:00:20 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Reverse Phone]]></category>

		<guid isPermaLink="false">http://www.itsabout.net/?p=72</guid>
		<description><![CDATA[It&#8217;s been long time that cell phone users are fearful and worried that as cellular technology advances, the risk of annoying telemarketers calling our cell phone would also start increasing as well. Unfortunately, telemarketers are indeed can find ways to obtain our cellular numbers (or at least find used an auto dialler to call us). [...]]]></description>
			<content:encoded><![CDATA[<div id="article">
<p>It&#8217;s been long time that cell phone users are fearful and  worried that as cellular technology advances, the risk of annoying  telemarketers calling our cell phone would also start increasing as well. Unfortunately,  telemarketers are indeed can find ways to obtain our cellular numbers (or at  least find used an auto dialler to call us). However, cellular users can still  find ways in dismissing their worries and anxiety. With all the negative  publicity about cell phone users being at risk for sales calls from  telemarketers are false.</p>
<p>To simplify, below are some of the myths and  non-myths about cell phones and telemarketers.</p>
<h3>Myth 1: Telemarketers will soon be granted access to all mobile phone numbers.</h3>
<p>Calm down and relax, for this myth is entirely false. This  myth about cell phone directory be given to telemarketers have been around  since 2004, and nothing has ever come to reality. Furthermore, all planned cell  phone directories listings would only include cell phone users on a voluntary  basis. In addition, these directories would not be readily made available to  telemarketers, and the commercial use of cell phone lookup would be illegal.    </p>
<h3>Myth 2: Telemarketers can easily get my location and identity  using just my cell phone.</h3>
<p>In theory, any individual or company can find out our name  and address via a reverse cell phone lookup. However, you do not have to worry  about businesses starting a massive reverse cell phone directory trend, calling  your cell phone at all hours of the day. Instead, they have other more  cost-effective ways to find customers.</p>
<p>Telemarketing is a profitable ways of sales because it is so  cost-efficient. All they need is just a phone plan and a few low-cost labourers  &#8211; making it more inexpensive than advertising or paper mailers. Telemarketers buy  large quantity and bulks of landline phone number information from suppliers,  providing them with more than sufficient data to make their annoying calls.  Subsequently, it would be unproductive and inefficient for telemarketers to go  out of their way to obtain cell phone numbers. The point of this type of sales  model is to minimize initial expenses.</p>
<h3>Myth 3: All calls from telemarketing to cell phones are illegal.</h3>
<p>Unfortunately, telemarketing calls are only illegal in some  states but in Canada  all telemarketer calls are illegal. Some interpret the laws to make  telemarketing calls to cell phones as illegal under FCC rules, but many  companies argue that it is lawful if the cell phone is the customer&#8217;s only  phone and has permission from cell phone owners to call. Federal rules are up  for debate, but one thing is assured: many states have indeed created laws to  prevent telemarketing calls to cell phones.</p>
<p>Telemarketers can always call your mobile phone by using an  auto dialler. An auto dialler is basically a machine that dials random numbers  until it gets a live person on the line. Companies that play sales messages  that instruct you to &quot;dial one to speak to a representative&quot; often  use this type of technology, which is why these types of calls are beginning to  hit cellular users more regularly.</p>
<p>Unfortunately, irritating sales calls will always be a part  of most people&#8217;s daily lives. For the time being, however, they are not yet a  regular part of most cell phone users&#8217; daily routine.</p>
<p>&nbsp;</p>
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<b><font size="4" face="Tahoma, Geneva, sans-serif" color="#FF0000">Make Your Search Now!!!</font></b>   </p>
<form name="phonesearch" method="get" action="http://agmtrading.phonesrch.hop.clickbank.net">
<input class="text" type="text" id="phone" name="p" maxlength="12" />
<input type="hidden" name="r" value="1" />
<input type="hidden" name="tid" value="rpar" />
<br/><sub>Example: 555-555-5555</sub></p>
<input class="btn" type="image" src="/rpd-images/search-127x34.gif" alt="Search Now" />
<font size="1">powered by: <br />ReversePhoneDetective</font><br />
</form>
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		<title>Effective Ways To Save Marriage Starting Now!</title>
		<link>http://www.itsabout.net/marriage/effective-ways-to-save-marriage-starting-now.html</link>
		<comments>http://www.itsabout.net/marriage/effective-ways-to-save-marriage-starting-now.html#comments</comments>
		<pubDate>Wed, 02 Dec 2009 02:55:11 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Marriage]]></category>
		<category><![CDATA[norman torvik married]]></category>

		<guid isPermaLink="false">http://www.itsabout.net/?p=114</guid>
		<description><![CDATA[They say that marriage is the most important decision you have to make in your whole life. Although this has been a reminder from the elders, some people do not look at it that way especially the young. Sometimes, what turns out to be the smartest decision becomes the opposite. When a couple realizes that their marriage [...]]]></description>
			<content:encoded><![CDATA[<p><span style="font-size: 11pt;">They say that marriage is the most important decision you have to make in your whole life. Although this has been a reminder from the elders, some people do not look at it that way especially the young. Sometimes, what turns out to be the smartest decision becomes the opposite.</span></p>
<p><span style="font-size: 11pt;">When a couple realizes that their marriage is going down, there’s nothing more important than saving marriage. You should talk about things that will be helpful to save your marriage. It is important for a couple to remain the same as how it used to be.</span></p>
<p><span style="font-size: 11pt;">There are a lot of factors affecting marriage and it hinders having a happy, fun and enjoying life for the couples.</span></p>
<div style="float: right;"><a  rel='wpls'  rel="nofollow" href="http://920d0zrb6qh2lfjjktjdogs2bh.hop.clickbank.net/?tid=Pass" target="_blank"><img src="/images/SaveMyMarriage.jpg" alt="" width="250" /></a></div>
<p><span style="font-size: 11pt;">If a married couple is having problems, they need to do everything to save marriage especially if they have kids. This article will give you tips on how to save marriage.</span></p>
<p><span style="font-size: 11pt;">First is to acknowledge the reasons for your problems. This means that both of you should accept the problem and find out how it all started. If you do not talk it over, problems will get bigger and bigger. When the problem becomes bigger, it will be hard to pull it down and talk over.</span></p>
<p><span style="font-size: 11pt;">If the partners are rational, calm and reasonable, chances are they can talk it out easily. As much as possible, stay away from high temper and avoid getting into an argument when you are both not in the mood because it will just be a cat and dog fight. Sometimes, when in too much anger, people tend to say things that they don’t really have and mean to especially if both of them are emotional.</span></p>
<p><span style="font-size: 11pt;">You should find a middle ground so that both of you can understand each other very well. This will set you in the mood to talk about the problem and what needs to be done and undone. The couple should agree to their decision and each one should make a promise to know better in dealing some unwanted circumstances which often leads to a serious fight.</span></p>
<p><span style="font-size: 11pt;">Work as a team. Talk to each other and ask what you both need to enlighten yourself out of stress and other problems. one should support the other by means of understanding everything he or she is going through.</span></p>
<p><span style="font-size: 11pt;">Each one should be open about their feelings and emotions. It is not proper to hide anger, envy and jealousy for a longer time but pour it all out one day. This often leads to<br />
misunderstandings. Try talking to each other and find out what one likes or dislikes about their behavior whether for themselves or other people.</span></p>
<p><span style="font-size: 11pt;">You need to take it slowly. Do not run into conclusions which you are not sure of. Avoid the words that you want to say that you think might hurt him or her. When you take it down, you will both find it later that its not really a big problem to tackle and fight about. This will save marriage effectively.</span></p>
<p><span style="font-size: 11pt;">Try to find other ways on how to enjoy and relax. When you think of saving marriage you need to take it with all your heart or else, it will not work at all. Try to find something which you have both never done before. Following these tips will help you save your marriage and last until the end.</span></p>
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		<title>Tips on How to Stop Prank Callers</title>
		<link>http://www.itsabout.net/reverse-phone/tips-stop-prank-callers.html</link>
		<comments>http://www.itsabout.net/reverse-phone/tips-stop-prank-callers.html#comments</comments>
		<pubDate>Tue, 01 Dec 2009 01:17:21 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Reverse Phone]]></category>

		<guid isPermaLink="false">http://www.itsabout.net/?p=84</guid>
		<description><![CDATA[Dealing with prank caller is one of the most frustrating and often scariest experiences we will encounter in our lifetime. But good news about it is that you don’t need to experience these feelings by following some of the “real world” tips in dealing with prank callers and how to STOP them once and for [...]]]></description>
			<content:encoded><![CDATA[<div id="article">
<p>Dealing with prank caller is one of the most frustrating and  often scariest experiences we will encounter in our lifetime. </p>
<p>But good news about it is that you don’t need to experience these  feelings by following some of the “real world” tips in dealing with prank  callers and how to STOP them once and for all. </p>
<h3>Tip #1: Report the prank caller </h3>
<p>First things first. It&#8217;s not uncommon for kidnappings, break-in&#8217;s, and even violent crimes to begin with a seemingly &quot;innocent&quot; prank call.</p>
<p>Even if someone just keeps on calling you and then hanging up, that&#8217;s reason enough to file a complaint to the authorities, and it only takes a few minutes.</p>
<p>Most important of all, better safe than sorry. Just call your local police and explain the problem. They have standard procedures for dealing with prank callers. (By no means are you the first person in the world who&#8217;s dealt with this!)</p>
<h3>Tip #2: Trace the caller </h3>
<p>If you think the caller might just be a silly friend and you don&#8217;t want to involve the police yet. The next best thing to do is TRACE the caller&#8217;s phone number and find out who&#8217;s the owner.</p>
<p>The fastest way to track a call is by simply looking up the  caller ID. Almost every phone these days has caller ID, so this step should be easy. If the phone number isn&#8217;t listed, or if the call is coming from a cell phone number, you&#8217;ll need to run a special reverse phone lookup. </p>
<h3>Tip #3: Run a reverse phone lookup </h3>
<p>If you have a number but no name or address, it&#8217;s time to conduct a reverse phone lookup. Your results will tell you WHO is calling, WHERE the number is located from, the PHONE COMPANY the number belongs to, and the ADDRESS of the owner (when available).</p>
<p>Reverse Phone Detective lookup is one of the recommended service to use for it is fast, discreet, and <em>instant</em> search results. Utilizing proprietary data sources and state-of-the-art technology, they&#8217;ll help you find the information you&#8217;re looking for in an instant. </p>
<p>Their phone number information reports and the members area are used by real-life detectives and professional private investigators around the country. And in addition to your search being strictly confidential, your membership fee is backed by our 100% money-back satisfaction guarantee.</p>
<p>Stop prank callers and get started now! Run your reverse phone search. </p>
<div  class="greybox" align="center">
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<form name="phonesearch" method="get" action="http://agmtrading.phonesrch.hop.clickbank.net">
<input class="text" type="text" id="phone" name="p" maxlength="12" />
<input type="hidden" name="r" value="1" />
<input type="hidden" name="tid" value="rpar" />
<br/><sub>Example: 555-555-5555</sub></p>
<input class="btn" type="image" src="/rpd-images/search-127x34.gif" alt="Search Now" />
<font size="1">powered by: <br />ReversePhoneDetective</font><br />
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