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Any business (and affiliates and marketers) that engages in interstate commerce will be subject to federal laws. Interstate marketing and advertising practices are regulated by the Federal Trade Commission (“FTC”) under the FTC Act. Services and goods offered through the Internet are considered to be a “use in commerce” since the services are available to a national or global audience. The FTC regulates Internet advertising, marketing activities and sales to consumers as the watchdog agency. The same consumer protection laws that apply to commercial activities in other media apply to the Internet. Under Section 5 of the FTC Act, illegal advertising practices are categorized as either an unfair method of competition or an unfair or deceptive act or practice. Any activity that is likely to cause consumer confusion as to source, sponsorship or affiliation of any good or service is essentially an “unfair” act or practice under the FTC Act. However, the real culprit for interstate businesses, affiliates and other Internet marketers is avoiding advertising claims which are unfair or deceptive. There is no hard definition of what practices are considered “unfair” or “deceptive,” under the FTC Act. But, in the simplest terms, all advertisements: must be truthful and not […]

Investors have long discussed, argued and debated whether single family homes or multi-units are better for your real estate investing portfolio. There are advantages and disadvantages for each and I will briefly highlight some of these below. Let’s start with single family homes. Single family homes are typically easier to finance, easier to find long term tenants for and easier to sell. They are easier to finance because you can go to just about any bank and get a non-owner occupant loan, often with very little down payment. (But note, at the time this is being written, May of 2008, lending requirements have gotten significantly stiffer.) Single family homes are easier to find long term tenants for because many tenants prefer living in a detached home rather than sharing a wall and/or ceiling with multiple neighbors in a multiplex unit. Tenants also tend to stay longer because those who rent houses instead of apartments tend to have more stuff and they don’t like to move it as much. Since you can sell your single family home either to another investor or to any family looking for a home, you have a very large market for liquidating your property. Another advantage […]

It doesn’t matter if the jeans are high or low rise this season. It doesn’t even matter where the skirt lengths end up. No matter what the latest fashion style, you can wear it beautifully with a little bit of shopping savvy and a thorough knowledge of your body type. The key to wearing clothing well is to choose pieces that will accentuate your positives and minimize your – not so positives, no matter what the current fashion trend might be. All it takes is a little bit of time in front of the mirror and an honest evaluation of your shape, and you will be ready to choose the fashion styles that will look fabulous on you. Five Body Types While every woman has her own unique shape, most will fall into one of five basic categories. The hourglass shape is wider in the chest and hips, with a narrow waistline. This is the shape that is tailor made for trendy belts, flowing skirts and v-neck tops to flatter your bustline. An apple shape is wider on the top and narrower on the bottom – perfect for the wide-leg and bootcut pants that are popular now. If you have […]

Home interior decorations is one all about making your house into a home. With colors, style, theme, furnishings and different decor elements a house gets its character. Starting with the living room right to the bathroom, home interior decorations looks into all the aspects of the house. The main goal for interior decoration of any room of the house is to give it an individual personality. Interior decor generally concentrates on finishes like wallpapers, wall paint, window coverings and furnishings. Along with it comes the balance of the various decoration items like wall hangings, showpieces etc. So let’s take a quick look for home interior decoration ideas for different rooms in a house. Big Spacious Rooms There are many ways to make a room look spacious and large. The first most important element is the room lighting. Go for soft and even lighting so that shadows don’t divide your room into smaller sections. Avoid putting ceiling lights as they make the ceiling look lower. By having a diffused and ambient lighting the room will look large. The next thing to keep in mind is the texture used in the room. Smooth surfaces tend to reflect more light as compared to […]

A few decades ago, a car was considered a luxury only the rich could afford. But as the Automobile companies prospered and expanded their production and reach, the Cars became cheaper and easier to acquire. Many Auto Companies, Banks, and private companies too came forward to provide Car Loans to people who still could not afford to buy Cars with a full payment for the purchase price. Auto financing was also useful in enticing people working on a fixed salary, or those who were hesitant in investing a big sum in purchasing an Automobile. People also bought cars to maintain/enhance their status in society, even if it meant opting for a Car Loan to buy a Car. In the last decade or two, a car or even two or more cars for a family has become more of a necessity, rather than a status symbol. In this case opting for a Car Loan is not a bad idea if you really need the Car to make life easier for you and your family and it is really useful in solving day-to-day problems of traveling. You can either decide to buy a new or second hand car depending on your requirement […]

A lot of folks only wish they could reduce what they pay as health and life insurance premiums. Thankfully, there are ways that would help anybody get lower rates. I’ll share a few ways in this article. Like every other insurance policy, your rates are determined based on several factors. Every uses them to decide what you’ll pay based on the perceived risk in insuring you as shown by those factors. The following things make you a life insurance risk to an insurer thereby increasing your rates. If you’ve smoked in the last 12 months you’ll pay more. If you still smoke till date or use any tobacco product, prepare to pay much more. I won’t be giving you any new information if I tell you that smoking is the direct cause of many diseases and makes others flourish. Smoking is a habit that could be broken if you really mean it. People have succeeded in the past and so can you too. You only need to check groups out there that are committed to helping smokers quit smoking and you’ll get all the help you need. You’ll be doing yourself a lot of favor by reducing the chances that […]

Business finance training refers to programs that teach individuals how to handle various financial duties. Finance training is similar to finance tips in that both help business owners make better monetary decisions, but training programs offer a more detailed explanation of finance strategies. Training programs vary in price and can be used by the owners and employees of a business. The most basic business finance training provide information on budgeting, preparing financial statements, managing cash flow, strategizing, forecasting, improving performance, and applying basic procedures and concepts to more effectively manage a business. These programs are recommended for new business owners to help them understand standard business practices. Once these basic methods are mastered, more specific financial training may be looked into. Advanced business finance training delves more deeply into a certain financial procedure or concept, usually at a higher cost than basic programs. Advanced programs may teach business owners how to set up effective business models, make decisions based on quantitative analysis, manage and control accounts, practice due diligence, measure productivity, and strategize concerning mergers and acquisitions. Taking part in any kind of business finance training gives a business owner the resources to make more intelligent business decisions that result […]

In the last few months we’ve seen a lot of Health Care Reform rules and regulations being introduced by the Health and Human Services Department. Every time that happens, the media gets hold of it and all kinds of articles are written in the Wall Street Journal, the New York Times, and the TV network news programs talk about it. All the analysts start talking about the pros and cons, and what it means to businesses and individuals. The problem with this is, many times one writer looked at the regulation, and wrote a piece about it. Then other writers start using pieces from that first article and rewriting parts to fit their article. By the time the information gets widely distributed, the actual regulations and rules get twisted and distorted, and what actually shows up in the media sometimes just doesn’t truly represent the reality of what the regulations say. There’s a lot of misunderstanding about what is going on with ObamaCare, and one of the things that I’ve noticed in discussions with clients, is that there’s an underlying set of myths that people have picked up about health care reform that just aren’t true. But because of all […]

Survival China Travel Tips and Tricks These China Travel Tips, Survival Techniques, will help you get around and make your trip to China easier, so you will be able to experience the real China with a little less stress. China is an odd beast that needs to be respected; the major cities, Beijing, Shanghai, and Xian, all have their own personalities. Some complex situations that you think would be an organizational disaster turn out to be great and you wonder afterward what all the fuss and worry was about. Then the simplest of tasks can turn out to be a major calamity. This is when you have what we call here a “China day”. These days come and go and are part of the experience of everyday travel in China. One needs to have an open mind when travelling China. It is a place with thousands of years of history and culture that is trying overnight to adapt to Western ways of living. You need to have a very open mind when you Travel in China. I have listed below a few China Travel Tips that will make life that wee bit more bearable on your Travel China experience. China […]

Online reviews on automotive dealer’s website are valued features and play a key role in influencing the customer’s automotive buying decision. Online reviews are sought after by customers using Internet at every stage of car buying process, as they offer existing customer experiences on vehicle models, services, policies etc of particular automotive dealers. It is important to include online reviews and testimonials in dealer websites as they help in retaining the existing customers and builds initial trust among potential customers. It helps to increase sales as prospective customers prefer to deal with dealers they can trust. Positive Impacts: Online reviews positively impact the dealership sales by increasing the confidence among both existing and potential customers. Credibility Potential customers perceive online reviews as authentic, genuine opinions from other customers and feel that they are receiving accurate information. They provide an effective way for dealers to communicate with customers. A good number of positive reviews on dealer website mentioning satisfactory experiences of customers are likely to instill confidence among potential customers. The potential customer can feel more comfortable and satisfied when reading a comprehensive evaluation of the dealer from a large number of customers. Even, the way dealers handle negative reviews by […]