Should I Buy the Mobile Phone Extended Warranty?

Should I Buy the Mobile Phone Extended Warranty?

When you get your new cell phone, you have an option to buy a replacement agreement that will get you a replacement phone if yours is lost, stolen or if it is damaged. The cost of this replacement agreement is typically around $5.00 per month plus a deductible of $35.00 to $50.00, which will get you a new phone plus it covers the cost of your accessories.


This coverage will come in handy if you are constantly dropping your phone, or if you sometimes have to rush back to a store to retrieve it.
Over charging your cell phone is one way to cause damage - over time - to your cell phone battery and your cell phone.

Everyday, hundreds if not thousands of people leave behind, loose, or damage their phone(s). But, if you are careful and you get a new phone every couple of years, the extra coverage will be better spent elsewhere.

If you know you are the careless type, get the coverage, especially if you walk around with your phone in your hand and if you have lost or misplaced a cell phone before.

On My Taxes - Can I Deduct My Live-in Maid?

You cannot deduct the salary of your live-in maid but you can deduct portions of the salary when it is appropriate.

Entertaining at home is one way to deduct a portion of his/her salary. If you entertain guests in your home and your live-in maid is working for the get-together. The hours worked can be deducted when you file your taxes.

This same amount of his/her Social Security taxes would also be deductible.

Check the laws in your State.

What Are Pheromones|What Are The Benefits of Pheromones

Pheromones are natural chemical scents the body produce in order to communicate with others nearby.

For years, these natural scents have been well documented in the animal kingdom as the force that controls all of the animals' behavior, including mating. More recently, scientists have found that human behavior is also heavily influenced by these invisible airborne chemicals.

Scientists have long known that odors and subliminal scents influence how animals develop, mate, bond, and nurture their offspring. Recently, scientists discovered that human are no exception to this powerful scent. Odors can accelerate puberty, control women's menstrual cycles, and even influence your particular 'orientation'. They help us tell our lover and family members from strangers and let mothers and infants form a strong loving bond. Odors affect how often we have submit to attractions, and with whom. They influence how the brain develops, what we remember, and how we learn. (James Kohl - Researcher)
  You can expect a lot from high quality concentrated Phero products like Primal Instinct, AFA, SOE and The Edge etc. It just takes a little while to get good at "using" them. Some companies say you begin to see results slowly over time. I think that may be true, but the reason is that pheromones are more of a tool than a magic wand. You have to learn to work with them. What you have there is a top of the line tennis racket. It takes practice to make the most of it.
From Love-Scent.com

You May Be Allergic to That Gold Necklace

If you wear gold jewelry most of the time and you can't understand that itchy feeling around your neck and wrist area, you may be allergic to the metals in your necklace and bracelet. 

Researchers at the Mayo Clinic in Rochester, MN, after examining almost 4,000 people found that nearly 25% of them were allergic to the gold and nickel in fashion jewelry.  this allergic reaction can cause itching, redness and/or a rash. 

 If you have an allergy to gold or nickel, you can always find some very fashionable sterling silver jewelry to wear instead.

Fly the Friendly Skies but Watch What You Drink

 The Environment Protection Agency (EPA) tested hundreds of domestic and foreign airplanes and found coliform bacteria in the gallery and/or in the bathroom water of nearly 15% of those tested.  Even though coliform bacteria itself is not likely to make you ill, the findings do make it clear that there is the possibility that other more devastating bacteria, such as E. coli - which causes diarrhea in people with a compromised immune system – may be present.  Now the EPA has developed guidelines for the water used in airplanes in the USA. 

The guidelines will help with the problem but there is still a chance that there are some types of bacteria I the water and in other areas.  The safest thing you can do is to choose canned beverages and bottled water.  It is best to avoid coffee and tea to be on the safe side 

Choosing the Right Real Estate Broker

How To Choose a Real Estate Broker

You should start searching for a broker as soon as you decide to buy a home. Talk to as many brokers as you can, and then choose someone you think you'll be comfortable working closely with.

Many of your friends and relatives have probably bought and sold their homes through a broker.  Ask them several questions about who they used and what their experiences were.

You can find out which brokers specialize in the kind of home or the area that you need by choosing the type of broker that suits your needs.

When you talk to prospective brokers, ask questions about the areas and types of homes in which you're interested.

Do they seem knowledgeable?
Most important, is their personal style a good fit with your own?
The end result is -- You will find someone to help through the process of purchasing or selling your home and in any other financial need that you have.

Use these same tips when you want to know how to choose a life insurance broker or a if you want to know how to choose a stock broker.

The same rules - and more - apply when you are looking for a commercial real estate broker.

Chrysanthemums In The Garden

Chrysanthemums come in lots of different colors, styles and sizes and you are sure to find a color combination to suit your color scheme. Some are small like little buttons while some are big balls with luscious petals, that look a lot like a Daisy. They show their blooms from mid to late August on through October. The late season blooms add color to your garden when it seems as if everything is over.

Put your plants in full sun in soil that has good drainage and make sure you fertilize at least once each month during the growing season. When your plants have new shoots that are at least six inches long, you should pinch them back to promote more shoots and stronger branches.

Every other Spring you should divide your chrysanthemums to get your new plants. Plant the new plants in full sun in well-drained soil.

Here are some more Chrysanthemum growing tips;

When you buy your plants, look for healthy and free of visible damage.
Don't plant your plants too close together. Chrysanthemums need good circulation.
At the end of June, pinch your plant shoots back. You will get bigger better blooms.
Do not let your plants experience freezing weather. Protect them during the winter months with a covering of mulch.
Provide proper drainage or your plants may drown and/or develop root rot.