The iPhone 4 – New Features, New Design, Brand New All in One Gadget

The new iPhone is finally here. More technology packed then ever before, it sets new benchmarks for other mobile phones manufacturers that have been overwhelmed by the success of Apple's iPhone.

But I guess you're more interested in the features of then new phone rather than the impact it has on the business world so let me share with you the novelties it brings along.

Design:

The new iPhone is thinner, sleeker and better looking then its predecessors. The stainless steel looks good and refined giving it a more futuristic look. The metal buttons add to the overall feel of sturdiness without dramatically increasing the weight. It is heavier then the iPhone 3GS by only 0.1 ounces and it feels great in the hand.

Technology:

But the most obvious improvement is by far the new screen. The "Retina" is a 3.5 inch display which looks absolutely superb, mainly because its pixels are only 78 micrometers wide. It has four times more pixels then the previous version and it is by far the best display I have ever seen on a handheld device. The zoom is flawless and not a single bit of detail is lost in the process.

The "camera system" (as Steve Jobs called it) is comprised of a 5MP capturing device on the back and a VGA one on the front. The image can be shifted between cameras at any time during a video call. Apple calls this "Face Time" and although it has been praised by company officials it is pretty hard to believe it will revolutionize mobile communications or set a trend for other manufacturers to follow. It is undetected a clever feature but it is overshadowed by other technological marvels such as the flawless screen.

iMovie:

iMovie is an app that allows complex video editing like nothing I have seen before on a mobile phone. You can trim out a section of a movie, add a musical soundtrack to any clip, insert pictures in movies and many more. It costs $ 4.99 in the Apple applications store but it is really worth the money.

Conclusion:

The iPhone 4 is a great device with major improvements from the previous versions. Technology packed but also a looker it will unduly become a favorite among geeks and fashion savvy teens alike. A true all in one that certainly describes your attention.

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Natural Weight Loss Supplements That Work

It's natural to want to look good and losing weight is one way to achieve that. Losing excess weight also has the added benefit that you're going to feel healthier and more confident about yourself.

If you're overweight it's important that you lose weight without putting your health at risk. This can often be the case with people who try to lose weight too quickly.

Many people use fad diets that claim to lose 15 pounds in a week. However, this often involves cutting down drastically on the amount of calories you eat and doing intestinal exercises in order to lose that amount of weight in such a short period of time.

A major problem is that these types of diets put your body under severe strain. To lose weight that quickly is unnatural and can have negative consequences for your long-term health.

Taking weight loss pills that contain chemicals can also endanger your health. These are often designed to interfere with the neural pathways that control your appetite.

As their active ingredients are chemically based on they're toxic to the body and this often causes unpleasant and even serious side effects.

If you want to lose weight and avoid these side effects it's far more sensible to consider taking natural weight loss supplements that work.

Due to the increased concern over pharmaceutical weight loss pills and their side effects more natural supplements have become available.

Some the most popular and effective weight loss supplements on the market are fat burners and carb blockers.

Fat Burners

Fat burners are natural weight loss supplements that work by raising your body's metabolism. Your metabolism is the rate or speed that your body converts fat into energy. Therefore, the higher your metabolism the more calories you burn.

The most popular fat burners on the market use capsicum pepper extract because it contains certain compounds that raise the body's metabolic rate. This has the effect of helping you burn more calories when you work out.

Fat Binders

Fat binders work differently to fat burners because they focus on the food you eat. Many fat binders contain natural fibers from certain plants.These fibers bind to the fat molecules which has the result of increasing their size. As the fibers become bulkier in size they're much harder for the body to digest and absorb. Instead, a percentage of fat molecules are passed out of the body as waste.

Life Insurance 101, An Explanation of Various Types of Life Insurance

TERM LIFE INSURANCE – Life insurance for a set number or years. You can choose from 5 to 30 year terms. No cash value, if you die during the term you collect the death benefit. The policy dies after the selected term has ended and you receive nothing unless you have a, return of premium rider or you convert the policy to some form of permanent insurance.

RETURN OF PREMIUM TERM INSURANCE (ROP) – A term insurance policy that returns all or a portion of premiums paid at the end of the term if the death benefit has not been paid.

SIMPLIFIED TERM INSURANCE – Term insurance which uses a simple application. Underwriting is done electronically. No underwriting requirements by the applicant unless red flags arise out of the electronic underwriting process. Policy is usually issued much quicker than regular term. There is a limit of death benefit for this type of policy ($350,000 or less) depending on the insurance carrier. This type of policy is generally more expensive because of additional risk by the insurance carrier. Less underwriting =more risk.

CRITICAL ILLNESS INSURANCE – Applied for as a stand-alone policy or as a rider to another life insurance policy. Pay immediate benefit for a covered illness even if death does not occur.

ACCIDENTAL DEATH INSURANCE – Pays benefit in event of a covered sudden accidental death. Applied for as a stand-alone policy or as a rider to another form of life insurance.

MORTGAGE PROTECTION INSURANCE OR DECREASING TERM INSURANCE – Term insurance that pays the balance of your mortgage should death occur. The amount of death benefit decreases to match the amount owed on mortgage. The insurance is set up to end at the same time your mortgage is set to end.

UNIVERSAL LIFE INSURANCE (non variable) – Flexible premiums. Can be a permanent insurance as long as premiums are paid and policy is funded properly. Investment policy in which risk lies with insurance company.

Has a minimum guaranteed interest rate which differs by company. This policy has the ability to gain contract value. The death benefit can be set to level (death benefit stays the same throughout) or increasing (death benefit increases as contract value rises). You may obtain loans or make withdraws but you must be careful, if the policy is not funded, it will collapse.

VARIABLE UNIVERSAL LIFE INSURANCE – Agent must have securities license to sell. Very similar to non-variable universal life. The difference is that the policy owner assumes investment risk. There is no guaranteed interest rate. Policy can collapse if investment does not do well and policy is not funded properly.

WHOLE LIFE INSURANCE – Simply put, you pay the premium and the policy will last your whole life. You usually have an option to borrow against the policy, amount depends on the value of the policy. This type of policy is usually much more expensive than the universal life policy.

GRADED BENEFITS WHOLE LIFE – Partial or no benefits paid until a named or tiered waiting period has passed. If you die before the waiting period has passed, you usually will receive the return of your premium payments with some sort of interest.

FINAL EXPENSE WHOLE LIFE INSURANCE – This type of whole life insurance is aimed at burial and funeral expenses and other final expenses. Usually, no medical exam required and death benefit is limited to $50,000 or less.

SINGLE PREMIUM WHOLE LIFE – This whole life policy is paid for by a single lump sum payment. In return the beneficiary receives a larger death benefit than the payment.

THINGS TO CONSIDER: You may be interested in mixing and matching different types of policies. For example; There is a need for 500k immediately. As time goes on, the kids have graduated college and are out of the house, the house is almost or totally paid off. Now the need is less. In this example you may want to purchase a 330k universal life and a 20 year 200k term. This plan will save you money and still protect your family for life.

Or, you may want to mix term, critical illness, accident, universal life, or whole life in various ways depending on your needs.

RIDERS:

Waiver of Premium Rider – pays life insurance premium if you become disabled and can’t work. There is usually a waiting period and rider usually expires at age 60 or 65.

Critical Illness Rider – Rider is explained above.

Return of Premium Rider – Rider is explained above.

Guaranteed Insurability Rider – this rider allows you to purchase an additional amount of life insurance at a later date without having to prove insurability again or take another medical exam.

Term Conversion Rider – allows you to convert a term insurance policy into a permanent policy without proving insurability again.

Accelerated Benefit Rider – this rider is only for permanent life insurance policies. This rider is usually included automatically for free. It allows you to collect a portion of your policy’s death benefit if you become terminally ill with a short life expectancy, usually one year. The portion paid out is subtracted from you policy’s death benefit.

Accidental Death Benefit Rider – This rider pays in addition to the death benefit if you die from an accident.

Child protection Rider – Usually used to pay final expenses if the unthinkable happens. Often, at a nominal cost and purchased in units of $1,000.

UNDERWRITING: requirements depend on insurance carrier, type of policy, amount of death benefit, age, build chart, gender, medical history, medications, family history, motor vehicle report, and other factors.

An application is always required, although, non-medical policies usually have a simple application.

Requirements could be: Paramed (certified medical processor or nurse comes to your place of choosing, takes you through a medical questionnaire, measures your height and weight, takes blood and urine sample, possibly EKG either resting or non-resting), Medical information from your physician or hospital, Medical exam, etc.

HEALTH CLASSES – Typical health classes would be, Preferred Best, Preferred, Select Standard, Standard, and then different nicotine classes such as, preferred nicotine, select nicotine, and standard nicotine.

It is possible to be rated less than standard depending on health and underwriting factors.

You must qualify for a health class. This is chosen by the underwriter after the underwriting process is complete. The agent can only quote you the different health classes but this can change with the underwriting process.

The Basic Facts of Web Design For Online Business

Designing a suitable website plays an extremely crucial part in promoting your online business on a professional level. Possessing a website which also appears good on a smartphone or tablet is vital to continue to keep your company competitive. To do this, your website should be clean, with simple navigation, and a look and feel that's simple to follow for an improved user experience.

Website design needs a lot of creativity. An appealing design of the site is the secret, which will bring in lots of possible clients. An excellent site design can take your organization graph to new heights. It's a neat compact design that may fit even in little spaces and is made entirely in the United States, to guarantee quality and support.

Since you'll be leaving the designing of your website to a company, choose a web design company who employs the newest technology to keep your website on top of the competition. Apart from that you could also locate a great company which could offer security solutions for your business enterprise.

Without this, another business will quickly replace your business. While you're looking for the web design company that is most suitable for you, do not fail to review about the organization's name, reputation and company policies. It's often hard to secure a web design company with expertise in excellent ecommerce programming, it is not impossible. So now you've found one of the best ecommerce website design firms.

The websites are created quite user friendly. The websites are completely designed and developed using WordPress or similar CMS platform and it is the ideal platform inside this arena. Submitting to business directories increase your small business site's search engine optimization (search engine optimization), meaning that it's going to be simpler for customers to discover your business through search engines.

If you would like your site to perform and generate leads for increased sales, your company will need far more than merely a site. If you own a site but not satisfied then it is possible to get help from reputed web design firm to get rid of same. The intriguing part about this site is it does not really comply with the tides of the fashion world, but instead intends to earn a mark of its own. It's through getting your own site. You can do all these by getting your own website which works.

Your site is a direct reflection of your online business. Whenever your website is ready and accessible seamlessly across different mobile devices, then your website will become greater engagement medium and a greater rate of retention. Not only does this increase your small business website's SEO, in addition, it keeps people interested in your company by giving them fresh content to view on a regular basis. Submitting to local small business directories is another great way to market your small business website.

Each website is customized to their requirements. Many companies web sites have a bad position in search engine rankings, or may not be listed at all because they do not understand how search engines work. Furthermore, maintaining your site content relays the message that you're keeping your company techniques updated and keeps your small business image polished, in turn winning over new customers.

Imagine having your customers see your site, simply to discover that parts of your site are broken. To attain success, a website bought to be designed under the umbrella of one team. Your website is optimized for search engines to ensure it is simple for your clients to find you. In the modern technology-driven world, your website is often the very first impression of your company and have to capture the user's attention instantly. A website, with fast and straightforward location search, was also a necessity for local business.