This is Choosing Salsa Music

image: Salsa music for everyone

Wbbmods.com - This is Choosing Salsa Music. Looking for the right salsa music is easy once you’ve been exposed to salsa beats long enough. But if you want to groove to the salsa rhythms, here are some recommended CDs that will have you dancing for days! 

1. SALSA FRESCA

This is an excellent CD “for those who love to dance salsa, not just listen to it.” This compilation CD have you grooving salsa style all night long. Its inviting rhythmic beats are particularly good for those who love to Mambo. This CD is even a keeper for non-dancers. 

A must have for your CD collection! TONY VEGA GREATEST HITS – Tony Vegas has charm and Latin gentleman appeal that can be heard in his music. His musical style appeals to everyone. It is smoothe and romantic yet energetic and upbeat This is an unmatched collection of Tony Vega hits from 1989-1994. 

His songs are infused with romantic tones and sensuous Cuban Mambo and Puerto Rican Salsa style beats. Rough Guide: Salsa Dance ~ various artists – A huge selection of musical compilations put out under the Rough Series. 

Rough Guide: Salsa Dance is one of the hotter Latin music themed albums to be released to date. Rough Guide: Salsa Dance vol. 

2. Various Artists

An upbeat album that will have you dancing the instant you hear it! This album is sizzling HOT. You won’t stop dancing because the music is electrifying! Ultra Mix: The Best of Salsa – This is a must-have CD for any salsa. Some say it’s best suited for listening, while others are convinced it’s one of the best compilation discs for salsa dancing. 

Go to your local music store of check it out online. You’ll be glad you did. These CD selections are a great way to begin your salsa music collections. However, some other great tips to finding great salsa CDs is by listening to local radio shows that feature Latin American, Cuban and Afro beats. 

Most likely you’ll also be able to hear some salsa beats you’ve never heard before. Listening to these types of radio shows exposes you to the different sounds and usually makes mention of the artists that are being played. 

This will make your shopping experience so much easier. Also consider checking out your local salsa dance bar or salsa dance studio. The DJ or dance instructor would be happy to tell you what albums and / or songs they are playing. Check out your local music store or go online to find the above mentioned CDs. 

I guarantee your neighbors will be banging on your door wanting to know what it is you a re playing. These salsa CDs are that good! Happy Shopping! Oh, but don’t forget to check out www.salsadancedvd.com where you’ll hear the above mentioned artists and more. But you will also get the best salsa dance training available. Don’t forget to check it out! 

Talking About Cleaning and Organizing Your Computer

image: Cleaning computer just do it

Wbbmods.com - Talking About Cleaning and Organizing Your Computer. It is a good idea to think of your PC as an office. It stores files, programs, pictures. This can be compared to an actual office's files, machines and decorations. 

The operating system is the boss. With this image in mind, think of an office you've visited that was slow and inefficient. There were probably many different reasons for the inefficiency. This is the same with a computer. 

There can be many items that slow down your computer. Perhaps the one most commonly overlooked is disorganization and clutter. Disk Cleanup An office can accumulate a lot of unnecessary files, machines, and decorations. This is the same with your computer. 

One of the best ways to keep this clutter under control is to perform a cleaning utility periodically. In Windows this cleaning utility will be called a "disk cleanup." It removes a variety of unnecessary files depending on the options you have selected. 

To perform a disk cleanup on Windows XP you can simply click on "my computer" under the start menu. Than right click on your "c drive" or "hard disk" and choose properties. Than click "disk cleanup" and follow the prompts. When selecting files to clean up, or delete, Windows will give you information to help you decide. 

When looking over the list of file types, you would simple click on the name of the file type and read the description placed below in the description area. This will let you know if the files can be safely deleted. To select the file group just check the box next to the group name. When finished selecting press "OK" to finish. 

Now, performing a disk cleanup is not very time consuming, just a couple minutes, and it may save more time in the end by making your computer run faster. However, a disk cleanup should be run periodically rather than just once in a great while. One way to make this run periodically is to make it a scheduled task. 

This will allow your computer to run it automatically with intervals and time of day determined by you. Yet, you can always run it yourself periodically without creating a scheduled task. Add or Remove Programs The information given above can help you get rid of some unnecessary files, but you may also need to clean out some unnecessary programs as well. 

This can be done using the "add or remove programs" utility in Windows. This is located in the control panel and lists all of your currently installed programs along with an option to uninstall them. It is a good idea to browse through the add or remove programs utility every once in a while just to make sure that all programs are of usefulness. 

If there are programs listed that are no longer used, you can simply highlight the program and click the uninstall button. Windows will than begin the process to uninstall the program. In most cases, to finish uninstalling a program, it is wise to restart your computer. 

This will dump and files that are held temporarily. The add or remove programs utility is very useful, but not all of the programs are listed up front. Programs that come pre-installed on your computer and the Windows operating system can also be uninstalled. 

For instance, Outlook Express is a default e-mail program that comes with the Windows XP operating system. If you do not use this e-mail program you can uninstall it. Click "add or remove windows components" found in the add or remove programs utility and simply follow the instructions. 

Defragment Many offices contain a large number of files and programs that are valuable and cannot be thrown away. In fact, they may contain files that are not even used, but still have to be retained for some reason. 

Although these files must remain in the office, they need to be organized. This is why we create file folders that hold groups of files that are related. Than we store them in cabinets that are arranged in alphabetic order. 

In a computer, the files that are saved are placed on the hard drive. However, they are placed according to the time that they were saved. So, if you open a word document and save the file as "file A" and than open another document and save it as "file B", you have a "file A" placed next to "file B." 

This is fine, but if you open "file A" later on and save it again, than the added information is saved next to "file B." When files are broken up this way it is referred to as a fragmented file. This means that the computer must find the first part of the file and then find the second part of the file to open that one word document. 

This can make your computer run slower. However, Windows has created a utility that is meant to rearrange files so that they are no longer fragmented but sit right next to each other. You can run the disk defragmenter by selecting "all programs" under the start button. 

Next, select "accessories" and "system tools" and you will see "disk defragmenter." In fact, this is also an alternative way to select the disk cleanup mentioned earlier. Before starting the defragmenter you can analyze your hard drive to see if Windows recommends performing the defragmenter. 

It will either say that you should or should not defragment at this time. If you need to defragment your computer, simply hit the defragment button. It may take your computer a while to finish this task depending on the speed of your computer and the amount of defragmented files. It could take from about 15-30 minutes or more. However, you can still use the computer while the disk defragmenter is working. 

Tech: Are Computer Viruses Spread by The Media?

image: About Computer virus by Media

Wbbmods.com - Tech: Computer Viruses Spread by The Media? If you believe what you hear in the media, there are an awful lot of viruses going around. No, I'm not talking about the make-you-sick kind of virus, though they get plenty of airtime, too. 

I'm talking about the kind of virus that enters via your internet connection rather than your nasal passages. What the mainstream media often don't tell you--at least, in most radio and television newscasts and in the crucial headlines and opening paragraphs of newspaper articles-- is that many of these "viruses" are not viruses at all. 

What Computer Viruses Really Are The main reason the mainstream media always are in alarm over viruses is that they tend to call any malicious computer program a virus. In reality, there are at least eleven distinct types of malicious software, or malware, commonly affecting computers today. 

The most common of these are worms, Trojans, and spyware. So, what's the difference between computer viruses and the other types of malware? The difference is that computer viruses are just about the only ones that regularly shut down computers and cause other obvious damage. 

The most common of the other kinds of malware--worms, Trojans, and spyware--are usually only detectable with a special scan. The Real Danger of Computer Viruses If the other types of malware are so unobtrusive that they can only be detected with a special scan, then what's to worry about? 

For starters, these programs are called malicious for a reason: they are designed to cause some kind of damage, if not to your computer, then to someone else's. Worms are most famously used to damage, destroy, or disrupt other computer networks than the one on which the host computer is located. 

For instance, worms have been used by website owners to shut down rival websites by sending overwhelming numbers of requests to the computer that hosts that website. Worms have also been used to send out viruses to other computers, often without infecting the host machine after all, what would it benefit the worm to shut down its host computer? 

Trojans, in turn, are often used to insert worms and other malware on your computer, even if the Trojan itself does no damage. But even if you don't care what happens to anyone else, you should still be concerned about one kind of malware: spyware, a kind of malware that, true to its name, collects data from your computer and sends it back to a remote host. 

Most spyware is only interested in monitoring your internet usage so it can tell other programs, called adware, what advertising to popup on your computer. However, there are criminal spyware programs that steal financial data, or perform a thorough identity theft. 

Don't think you have personal or financial data on your computer? Some spyware programs contain a keylogger, which is a program that copies whatever you type, usually in order to snatch passwords. 

Even if you keep no financial information on your computer, if you ever buy anything over the web, the keylogger would allow its owner to buy stuff using the same information you typed in to buy stuff yourself. 

Why Blame the Media? Given the danger of all these different types of malware, isn't it a good thing that the mass media are becoming hysterical about it? And can't they be forgiven the sloppy reporting of calling Trojans, worms, spyware, and other malware "viruses"? No, no, no. 

This is a classic case of bad reporting doing more damage than no reporting at all. In this case, the damage bad reporting has done is to promote a common myth that goes something like this: "The only malicious software is a virus. Viruses damage your computer. 

Therefore, if my computer is working OK, my computer has no malicious software. I only need to scan my computer for problems when there is a sign of problems." Thanks to this myth, many people complacently let their antivirus software go months out of date, not wanting to be bothered with scheduling an automatic update. 

Just as bad, many people don't have any extra software to combat the other types of malware that may not be covered by antivirus software. In fact, it's not uncommon for people who have found malware on their computers after a scan to say, "but I never had malware on my computer before!" 

But how would they have known if they had never scanned! Until the biggest mainstream media and especially television start educating the public about the need to have their computers automatically scanned at least daily, the world will continue to have major, drawn-out problems with malware that could have been wiped out as soon as soon as the anti-malware software makers discovered it. 

And until that day, the mainstream media will have many more opportunities to run hysterical stories about "viruses," thereby forcing them to sell more newspapers and broadcast to even larger audiences of people who suck at the information trough yet somehow never become full. Stay be carefull and care yoo!

This is Advantages & Disadvantages of Bluetooth Device

image: Benefit using bluetooth

Wbbmods.com - This is Advantages & Disadvantages of Bluetooth Device. While using the Bluetooth feature, you can run through a lot of advantages to and at the same time and run to a lot of disadvantages also.

While using the Bluetooth feature, you can run through a lot of advantages to and at the same time and run to a lot of disadvantages also. With about every great technology, there has to be something in there that makes it not perfect. 

There's probably no such thing of a perfect product. A few advantages and disadvantages of Bluetooth includes the following. 

Advantages

Widely Used: Bluetooth is now really popular and keeps getting more popular as time passes by. It is now widely used across countries and almost by everyone. 

Companies are taking the benefit by using this in their new and future products to make life much easier for everyone. Pretty much very soon, you will be noticing quite a bit of technology will be wireless due to Bluetooth. As it is already, but most likely it will be more dominant. You can use Bluetooth on laptops, cell phones, music players, headsets, printers and a lot more other products. Feature Simplicity: 

You do not need to know much about technology in order to run Bluetooth. Anyone that doesn’t have no knowledge about the new technology can still be able to use the Bluetooth feature due to its simplicity and the ease of use. I think that the simplicity of it and the fact that it's wire free makes it very widely used and utmost popular. 

Free of Charge: Best of all, you do not have to pay a penny for the service! It's not an extra cell phone or cable bill that you have to add to your budget. Simply by the technology and you're done! All you need to do is connect it with what you are using. There hasn't been any reporting lately on companies charging a monthly fee or any fee for people to use the Bluetooth feature and I don't expect it. 

Go Wireless: It allows you to stay cord free and do not have to worry about finding the correct place to connect that extra long cord. Avoid having to have a ton of cords wherever you go. You may still need a few cords but not as much as you would without Bluetooth. You can also go to the internet wirelessly with this feature when you're out somewhere outside of your home. 

Your in Control: Even though you are able to exchange data across your cell phones, you still have the ability to keep your information private. In order to make a transfer or allow someone to access the files on your phone, you will have to give them access by accepting or rejecting the request through your phone. If you have the Bluetooth feature enabled on your phone and not disabled while using it, others that you may not even know request to send you a file. 

Disadvantages

Battery Use: This occurs mostly on your cell phone but also occurs in other technology such as music players. You're using up more battery power when you leave your Bluetooth enabled on your phone all day. To disregard all this, the best thing that you can possibly do is disable it once you are completed with the transfer. 

It only takes a few seconds to enable and disable so it wouldn't hurt to disable it once you are done using it. Bluetooth Internet: Throughout all devices, when using Bluetooth internet, the connection can sometimes run very slow so Bluetooth internet is not highly suggested for all cases. As you can notice that there are quite a bit of advantages and fewer disadvantages. 

Overall, Bluetooth is a great thing to be using on all your devices that supports it. You can do so much with it and includes cutting all the cords attached to your devices. So, you still using bluetooth right now? Or using Wi-fi prefer?

Anyone Be A Forex Expert? Look This One!

image: History about Forex

Wbbmods.com - Anyone Be A Forex Expert? Look This One! Any one who has ventured into the real market place would definitely have an idea what a Forex is and share the many promises and possibilities this horizon can bring. 

What Is Forex? FOREX stands for the very popular Foreign Exchange Market. Sometimes, though, people associate it or equate it to mean also currencies. Basically, forex is where people trade. 

The objects of the trading are the different foreign currencies. People buy and sell the currencies. The exchange market and the trading as we know it today started in the 1970’s. It has no definite place. It has no definite location. 

The foreign exchange market is found wherever there is a financial center where people conduct constant exchanges and buying and selling. To ensure definite success in this field, the main goal has to be kept in mind. The keywords to traders in the foreign exchange market are to ‘buy low and sell high.’ This is the way to get the profits coming in. 

Why Are People Trading in the Forex? More and more people are turning into the forex trading now. It has become popular once again and people want to enjoy the success this can bring. There are also no strict requirements to join the market. Anybody can enter it and learn how to trade. 

Some even study beforehand to be prepared for the big trading. Another good aspect about forex is the absence of too many fees to be able to join in. There are no commissions, no brokerage fees and no government fees. 

The best thing by far is that trading can be done at home. Anyone can initiate a trade online. This spells big for people who stay at home, especially those who do not feel comfortable in engaging on online businesses. With proper training and computer with internet access at hand, success is within the bounds of the home. 

How Does One Trade Successfully in the Foreign Exchange Market? The purpose of ‘to buy low and to sell high’ must be kept in mind when trading in the forex. This will be the main vision of a trader to succeed. The next task at hand is to know the trends. This means knowing when a particular currency will buy low or sell high. 

This is not mere prediction of possible turn of events. Thus, forex requires strategies that have been tested to make sure that a decision will be profitable. There are two basic strategies employed in forex that one can learn from tutorials or from the actual exposure to the market. 

The first strategy is the technical analysis. This provides that a particular price chain reflects all the necessary information regarding the market. This entails a close analysis of the various aspects of the currency like the lowest and highest prices or the opening and closing prices. 

The other strategy is the fundamental analysis. As the name implies, it takes the overall situation. It focuses beyond the currency. It takes into account the situation of the country, economy, politics and even the rumors. 

Thus this requires more exposure and knowledge from the part of the trader. Conclusion The foreign exchange market promises so many possibilities to the trader. Many people may be interested in the forex but are only afraid to take the first step. 

This attitude should be turned around. Just have a good vision, take the necessary steps and make the forex venture a success. All Rights Reserved, This content may be reprinted as long as it remains unchanged and the links are intact and active. 

Get the Mortgage Quote your Bank Doesn't Want You To See

image: Mortgage for life

Wbbmods.com - Get the Mortgage Quote your Bank Doesn't Want You To See. Deciding to consider refinancing of mortgage for home loan is a major determination. Next key issue involved is to find ways to get profitable quotes for mortgage from banks. A thorough research of prevailing market rates is essential to obtain competitive quote from mortgage firms. Being familiar with current trends enables one stand a better chance of bargaining for lower interest charges. 

Mortgage rates usually increase or decrease in accordance with securities in Wall Street. A careful overview of market trends helps one save considerably on interests. Comparing different loan schemes from a particular mortgage vendor and also form different vendors would facilitate one to choose the most profitable scheme. Among major tools available in market for evaluating dissimilar loans programs is the Annual Percentage Rate (APR). Laws of the state make it mandatory to expressively disclose APR while marketing their mortgage rates. 

This is for the benefit of borrower and to prevent them from falling prey to lower advertised rates, and find out if there are any hidden fees and upfront costs involved later. Personal meeting with lenders, bank officials’ and mortgage professionals’ help in getting a competitive interest quote for your loan. Being well prepared with entire documentary evidence in support of your financial situation before meeting the people at bank enhances chances of receiving lower interests. 

Presenting documents to support your favorable credit history would tempt bank managers to provide you with lucrative mortgage quotes. Papers essential to obtain fast and lucrative loans rates include:

 ● Verification of employment status and proof of income sources.

 ● Previous paid credit card bills and other similar statements to show history of genuine payments in past. 

● Purchase contract of the house if it is available.

●  Bank details such as address of bank and your account numbers are important. Also previous 2-3 months statement of current and savings account are required.  

● Tax returns of last two years provide excellent proof of your financial position and hence should always be carried along while visiting the mortgage professional. 

● Entire information about other existing debt like car loans, student loans, retail credit cards or furniture loans, if any are required to acquire mortgage deal. 

● Presenting any gift vouchers received from relatives and friends would encourage bank managers to have increased faith in your paying capabilities. Such gift letters ensure that money acquired through gifts belongs to the recipient and the recipient does not have any liability on such financial assets. 

● Self-employed individuals may present their previous year’s balance sheets and other tax statements. Another good deal is about initially locking the specific rate of interest at time of proposal that would be charged. 

The process of loan approval might take some time and during such a time interval there might be fluctuation in rates of interest. Getting mortgage quote fixed at time of application relieves one from falling prey to chances of higher charges being imposed at time of loan approval. Interest rates charged by bank also depend upon factors as amount of loan required, time period of loan, down payment, discount points, adjustable rates, closing stocks and so on.

5. Basic Facts About Health Insurance Policies In A Bad Economy

image: How to make health insurance

Wbbmods.com - 5. Basic Facts About Health Insurance Policies In A Bad Economy. Many health insurance plans have specific exclusions that eliminate your benefits for anything that could have been covered under Workers Compensation or similar laws. Now read that last sentence again. Try this following strategy for Health Insurance: 

1. DOES YOUR PLAN COVER YOU ON AND OFF THE JOB?

Many health insurance plans have specific exclusions that eliminate your benefits for anything that could have been covered under Workers Compensation or similar laws. Now read that last sentence again. 

COULD HAVE BEEN COVERED? 

That is correct. Most self employed people and even some small business owners do not carry Workers Comp on themselves. There are designed insurance plans that will cover you on and off the job — 24-hours a day, if you are not required by law to have Workers Compensation coverage. 

2. ARE YOU WRITING IT OFF? 

Independent contractors (1099's), home based business owners, professionals and other self employed people generally are not taking advantages of the tax laws available to them. 

Many people who are paying 100% of their own costs are eligible to deduct their monthly insurance payments. Just that alone can reduce your net out-of-pocket costs of a proper plan by as much as 40%. Ask your accounting professional if you are eligible and/or check out the IRS website for more information.

 3. INTERNAL LIMITS 

All true insurance plans use some form of internal controls to determine how much they will pay out for a particular procedure or service. There are two basic methods. -Scheduled Benefits Many plans, some of which are specifically marketed to self employed and independent people, have a clear schedule of what they will pay per doctor office visit, hospital stay, or even limits on what they will pay for testing per 24-hr. period. 

This structure is usually associated with "Indemnity Plans". If you are presented with one of these plans, be sure to see the schedule of benefits, in writing. It is important that you understand these type of limits up front because once you reach them the company will not pay anything over that amount. 

Usual and Customary "Usual and Customary" refers to the rate of pay out for a doctor office visit, procedure or hospital stay that is based on what the majority of physicians and facilities charge for that particular service in that particular geographical or comparable area. "Usual and Customary" charges represent the highest level of coverage on most major medical plans. 

4.YOU HAVE THE ABILITY TO SHOP

If you are reading this you, are probably shopping for a health plan. Every day people shop, for everything from groceries to a new home. During the shopping process, generally, the value, price, personal needs and general marketplace gets evaluated by the buyer. 

With this in mind, it is very disconcerting that most people never ask what a test, procedure or even doctor visit will cost. In this ever-changing health insurance market, it will become increasingly important for these questions to be asked of our medical professionals. 

Asking price will help you get the most out of your plan and reduce your out-of-pocket expenses. 

5. NETWORKS AND DISCOUNTS 

Almost all insurance plans and benefit programs work with medical networks to access discounted rates. In broad strokes, networks consist of medical professionals and facilities who agree, by contract, to charge discounted rates for services rendered. In many cases the network is one of the defining attributes of your program. 

Discounts can vary from 10% to 60% or more. Medical network discounts vary, but to ensure you minimize your out-of-pocket expenses, it is imperative that you preview the network's list of physicians and facilities before committing. 

This is not only to ensure that your local doctors and hospitals are in the network, but also to see what your options would be if you were to need a specialist. Ask your agent what network you are in, ask if it is local or national and then determine if it meets your own individual needs. So,you wanna try these?