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The Printing Process On a T-shirt

March 29th, 2008

In today’s fast paced life we have a lot of technologies that can be used to improve our lifestyle. We can even make clothing as we deem fit. Take T-Shirts. We can print T-shirts with anything we like. For example, it can be a photo of your beloved wife or some funny stuff like cartoons, jokes or philosophical statements. And most importantly we don’t need to go to anyone to get the prints made. We can do it ourselves in the house with the help of our computer and printer. Yes! We can print it by using our good old inkjet printer.

To start the printing process you need to buy some material. A blank t-shirt of any color and a heat transfer paper. Ensure that the paper works with the household heat iron.

Now follow these few steps to get a fantastic printed t-shirt according to your choice.

Step 1: Design a graphic on your computer. The graphic colors should either match or contrast the t-shirt color.

Step 2: Print the graphic as a mirror image on the heat transfer paper.

Step 3: Place the paper either on the front or on the back of the t-shirt.

Step 4: Press a heated iron on the paper thoroughly. And then peel away the backing paper.

That’s it; you have manufactured a printed T-Shirt.

Paul has been providing answers to lots of queries through his website on a wide variety of subjects ranging from satellite phones to acne. To learn more visit http://www.askaquery.com/Answers/qn565.html

Interview of Joan Hecht, Author of “The Journey of the Lost Boys”

March 29th, 2008

It is such a pleasure to have Joan Hecht with us today. She was awarded the “2005 Author of Year” by promoting Outstanding Writers (POW) for her book “The Journey of the Lost Boys,” which took first place in the Education category and was the only book entered to receive a perfect score by all the judges. Welcome to Reader Views Joan.

Juanita: You have written a heartfelt account of a very tragic aspect of modern history. There has been very little reported on this situation, and mostly not until recently. How did you originally hear of the Lost Boys of Sudan?

Joan: I first met the Lost Boys of Sudan in the summer of 2001, when approximately 3800 of them were relocated to our country in a refugee program established by the UNHCR and the US government. Of that first group, 85 resettled in my hometown of Jacksonville, Florida, and many were attending weekly services at my Church. I had no prior knowledge of the Lost Boys, but I was intrigued at the sight of them. Most were tall and noticeably thin, and their skin was the darkest shade of black imaginable. When I finally heard their story for the first time, my eyes filled with tears and I felt a deep stirring in my soul. I knew that helping them was not an option. It was a call to my heart from God and I responded. I felt compelled to be a mother to these young men who couldn’t even remember the faces of their own mothers. And in the past four and a half years, that is what I have become to many of these incredible young men who now call me “Mom” or “Mama Joan.”

Juanita: What has been your inspiration regarding the plight of the Lost Boys that eventually led you to devote your life to them?

Joan: The story of the Lost Boys, in my opinion, is like no other story ever told. It is a story about thousands of young children (approximately thirty thousand) from the South of Sudan, who became separated from their families due to civil war in their homeland. These children banded together, walking over a thousand miles across the wilds of Africa with little food or water, and no protection from the wild animals and enemy soldiers that stalked them night and day. Many perished along the way. Eventually they made their way to the Kakuma Refugee Camp in Kenya where they remained for approximately 12-14 years. Those featured in my book ultimately resettled in the United States.

When arriving to our country they had to be taught the basics of everyday life, such as how to flush a toilet, use running water and electricity, etc… They had literally walked from the wilds of Africa and landed head on into the twenty-first century. In addition to their incredible story, I think their child like innocence and charm is what drew me to them. I initially thought I’d be assisting them for only a month or so, as they struggled to acclimate to our modern society. However, that venture has now surpassed four years and in addition to helping them through the resettlement process, I have also established a non-profit foundation to assist with their health and educational needs called Alliance for the Lost Boys of Sudan. However, I no longer consider them to be a charitable project, but instead, extended members of my family. My children call them their brothers and I call them my son’s. I truly love them.

Juanita: You have done much research into the political and historical events surrounding the civil war in Sudan. Would you give your readers a brief outline of these events and let us know why, in your opinion, the situation in Sudan has been so profoundly underreported?

Joan: The reasons for the civil war in Sudan are numerous and multi-faceted. I’m not sure that I can explain them in a few paragraphs, but I’ll try.

Basically, Sudan is a divided country, not only in geographical terms, but also in terms of the people who live there. To the North, in the dry arid regions, live the predominately Muslim population. Further south, in the more tropical regions, live the predominately black Christians and Animists (those who practice tribal beliefs).

When Sudan gained its Independence from the British in 1956, control of that government was relinquished to the Arab Muslims of the North, whom the British considered to be better educated and more suitable for the task. The Muslims sought to unite Sudan as an Islamic nation, while the southerners wished to worship God in their own way. Ultimately, a holy jihad was declared against the South unleashing one of longest running Civil Wars ever recorded. Over two million people perished as a result of this war and millions of others have become displaced with no place to call their home. Making matters worse, oil was discovered on southern land in 1978, turning what began as a war of race and religion, into one of greed as well. In January 2005, a comprehensive peace agreement was signed between the north and south bringing an end to a civil war that has spanned over two decades. However, fulfillment of the terms and promises made in that peace agreement by north has been slow in coming to fruition.

Juanita: Why has the world turned a blind eye to the suffering people of Southern Sudan?

Joan: That’s the twenty-four million-dollar question, one that I’ve often asked as well. However, the answers have varied and depend solely on the person(s) that I’m asking. Some say it’s a matter of greed on the part of countries profiting from the lucrative oil production in Southern Sudan. Others say it’s a matter of racial discrimination, stating that because the southerners are black and uneducated, that the world has deemed them unworthy of global concern. I wish I had a definitive answer for you, but unfortunately, it still eludes me. I can’t conceive of any justification for the slaughter of millions of innocent people or understand any reasoning behind why the world has simply ignored it.

Juanita: What do you feel the plight of the Lost Boys can teach the global community?

Joan: I think Bishop Nathaniel Garang from the Diocese of Bor in South Sudan explained it best when saying, “For many years, the people of Southern Sudan have been suffering and praying while the rest of the world lay sleeping. But on September 11, America was awakened…”

September 11th was a wake up call for us all. The reign of terror, that for so long has ruled in Southern Sudan, is no longer something that’s happening only in faraway continents. It has finally made its way right through our own front door. The Lost Boys attribute their survival to their devout faith in God and His constant protection over them. They often say that even though they are called the “Lost Boys of Sudan” they have never been lost from God, only from their parents. But in a country such as ours that continually strives to remove God from every aspect of our daily lives, I wonder who we will call upon for deliverance in our own time of need?

Juanita: In 2004, you founded the “Alliance for the Lost Boys of Sudan”. Please tell us more about your foundation and mission.

Joan: We are an all-volunteer 501 c-3 organization established to meet the health and educational needs of Lost Boys and their families living in the US and Africa. For more information about the organization you can visit our website at www.allianceforthelostboys.com or read our latest newsletter at http://www.allianceforthelostboys.com/newsletters/sep05.html.

Juanita: You speak actively to various groups and organizations in hopes of bringing awareness to this plight. What have been the reactions and/or comments to these efforts?

Joan: Our presentations are extremely educational and often emotional for those in attendance. The following are of few of the comments we’ve received.

Blue Cross Blue Shield of Florida

This was the best diversity event I have ever attended. Bar none!

Nothing could have improved this presentation. This is the best one that I have ever attended here at BCBSFL

Florida Dept of Health and Refugee services

Interesting, excellent! One of those life-changing experiences. One person can really make a difference. Revitalizing!

Awesome! A very moving sentimental presentation!

Mayo Clinic, Jacksonville, Florida

I feel as if I am the one that is truly blessed to have the opportunity to meet some of these amazing young men. Even though what they have gone through was terrifying, their spirit, drive to excel, and never ending smiles were such an inspiration to me and for many other attendees.

Juanita: You also are educating the public about the Lost Girls. Why haven’t we heard much of their stories? Please tell us more.

Joan: When the children arrived at the first refugee camps in Ethiopia, the unaccompanied minor boys (Lost Boys) were separated into “boys only” area of the camps. However, according to Sudanese culture, the girls could not be left on their own and were incorporated into existing families (foster families). When the selection process began for resettlement to the US, the girls were no longer considered as orphans, (a requirement for resettlement), and were thereby left behind. There was also the issue of dowries, which is still acceptable in Sudan. Many of the foster families refused to release the girls, knowing that in doing so they would relinquish any dowry money for the young girls, who were now of marrying age. As a result, only 87 Lost Girls came to America in the summer of 2001, in comparison to the 3800 Lost Boys.

Juanita: What do you hope readers come away with after reading “The Journey of the Lost Boys”?

Joan: I hope they are touched by the courage of these young men and the magnitude of their story, while remembering that those featured in my book are the lucky ones, many more, just like them, were left behind. I hope it stirs within readers the desire to do something to help the forgotten people of Sudan, realizing that one person can make a difference and that many people working together, can truly change the world.

Juanita Watson is Assistant Editor of Reader Views
http://www.readerviews.com

Why Aren’t You Paying Down Your Debt?

March 29th, 2008

Do you have good reasons for not paying off your debt? Good for you. But what you need to understand is that with interest, every month that passes means you pay hundreds or thousands of more dollars. Even if you are making all of your minimum payments, you aren’t really getting ahead.

I tried explaining this a client who hadn’t used her credit card in over a year, but had been faithfully paying the minimum payment each month. She just couldn’t grasp it until I showed her last year’s statement for May. When compared to this year’s statement, she was shocked to find that she had only paid down her account by approximately $100. In a year. Yet, she had easily made $300 worth of payments. For $100 dollars.

Each time interest is added to your account, you have to take a step to reduce the debt or watch it build on you. Putting off paying off means that you will pay higher interest each month than is necessary.

Want a shock? Plug everything into one of the debt reduction calculators to see how long it will take you to be debt free. Two years ago, the calculator said 100 years of debt payments for my family. The only debt we now have is a mortgage, which has approximately 10 years left. We are working hard on paying it off earlier.

I’ve heard all the excuses. My favorite is that “I am about to get a promotion, we’ll pay it off then.” That rarely happens, but no one sees that until it is too late.

For example, I have a client that is counting on a $800 a month promotion to pay for daycare for another child (plans to work on addition for the family after promotion), pay off debt, pay for new car (purchased last month) and it will allow her husband to stop working overtime. The promotion isn’t a sure thing and, yet, is already spent.

There are plenty of people that believe that they have their bills under control. They may be just a little “tight” right now, but it’s not too bad. Others have a goal in mind, but they just don’t have the extra money to put towards paying off debt. And then there are those that are banking on a windfall, bonus or production.

There are also those that start, but something always happens.

Those that are waiting for the windfall often say that they have too much debt for the money to make any difference to their debt. They’ll just wait until they get a whole lot of money to pay some things off. And it builds and builds.

If you believe that you are in control of your debt, are you aware of how much interest you pay each month. You need to total it all up, for the month and for your lifetime. Look at how much money you simply are throwing away. Are you still okay with all the debt? Reducing your debt is a good goal to work on. Start now with no more excuses. Pay off your debt and save your interest dollars for you.

Martin Lukac (http://www.MartinLukac.com), represents http://www.RateEmpire.com and http://www.1AmericanFinancial.com, a finance web-company specializing in real estate/mortgage market. We specialize in daily updates, rate predictions, mortgage rates and more. Find low home loan mortgage interest rates from hundreds of mortgage companies!

Martin Lukac - EzineArticles Expert Author

Satellite Radio: XM Radio or Sirius?

March 29th, 2008

Satellite radio is the hottest trend in radio entertainment for your car, home, and office. The freedom from commercials and static is an exhilarating experience. No longer do you have listen to obnoxious jingles and hot air. No longer are you condemned to choose between dead air and Country & Western when traveling in rural areas.

Commercial-Free, Digital-Quality Sound

All of these problems are solved with satellite radio. And there is nothing else in the radio world that can compete with its digital quality sound. Satellite can provide uninterrupted listening pleasure anywhere in the world.

The only problem is deciding upon which satellite radio provider to choose. The top 2 contenders are Sirius and XM Radio. If you want satellite radio, you are immediately faced with the issue of how to choose between them.

XM Radio, First In The Sky

XM Radio established its presence first, and has a market share of 2 million listeners. XM has had the time to establish an excellent system of 68 commercial-free music channels with an incredible array of music. It also adds 33 channels of news, sports, talk shows, and entertainment to its programming mix. To top it off, XM has revolutionized the satellite radio world by providing 21 channels of up-to-date weather and traffic for most of the major metropolitan areas in the United States.

Sirius, Radio Innovator On Satellite TV

Sirius may be the comparative upstart, but it offers some advantages of its own. New contacts with DISH Network satellite television have given Sirius access to more than 10 million subscribers. It provides more than 120 channels if you add up all of the music, sports, information and entertainment.

For sports, Sirius is hard to beat. It broadcasts live games for professional football and hockey leagues, as well as many other sporting events. Sirius will also be the home of Howard Stern in 2006.

New Technology, New Listening Experience

So, whether you choose XM Radio for experience and staying power, or cast your vote for the innovations of Sirius, there’s no reason to wait. Satellite radio is to broadcast radio as the VCR was to television. You can have it all — without commercials! So what are you waiting for — pick one.

Visit Sat Radio to learn more. Copyright 2005 Ron King. Ron King is a full-time researcher, writer, and web developer. This article may be reprinted if the resource box is left intact.

Why do we need credit cards?

March 28th, 2008

Why do we need credit cards?

In the world today a credit card has become very valuable, and
for many different reasons. More buying power, isn’t that what
we all want? With a credit card that is exactly what you get.
How often is it that your finances just won’t allow for a big
purchase or you experience financial hardship? Credit Cards
provide you with an alternative method of payment.

It can also be used as a way for secure traveling. For instance
say you are traveling or on vacation and your wallet is stolen,
if you were to be carrying a large amount of cash it would be
gone forever. With a credit card in your wallet all you need to
do is notify the issuer of the credit card and they can
instantly cancel the credit cards and issue you a new one.

Would you like an interest free loan? Here is how to get one.
Simply charge your credit card the amount needed. Then pay off
the entire balance before the due date, or before the interest
is applied.

Security of credit cards have become state of the art with
today’s encryption technology companies are going to great
lengths to protect and ensure your privacy. So that someone
cannot simply steal your personal identity and credit card
information. This is allowing us to use the internet for one of
its main purposes, shopping and making our lives just a little
more convenient. Also, if you have a credit card it gives you
the choice to carry less cash on hand but still have the ability
to afford those little or sometimes not so little unexpected
expenditures.

However the largest benefit of having a credit card is all
building your credit score, repairing your credit, or getting
your credit in the best state possible. This is another way to
prepare yourself and your credit score for future purchases such
as a home, car etc.

This article has been written by SueAnna Naase for
CardAccount.com. To see many different types of credit cards to
suit your personal needs visit www.cardaccount.com

The Simpsons (Season 4) DVD Review

March 28th, 2008

Fun for both adults and children, The Simpsons is one of those rare shows that smashed the conventional wisdom of its time and redefined its genre. By creating a truly adult cartoon, and not one watered-down for a younger audience, The Simpsons kept its finger of the pulse of American TV viewers, providing an unmatched wit with its biting satire. It’s a combination that opened the door for later prime time animated series such as Futurama, King Of The Hill, and The Family Guy. But in the end, none can come close to the originality and hilarity of The Simpsons, one of the best shows from any genre in television history…

The Simpsons (Season 4) DVD offers a number of hilarious episodes including the season premiere “Kamp Krusty” in which Bart forges his report card so that Homer and Marge will allow him to go to Kamp Krusty, a traditional summer camp for America’s youth. But the summer camp is anything but traditional, and the kids soon learn as they’re forced to make cheap wallets and perform other acts usually reserved for Third World foreign laborers. The kids endure until it’s revealed that Krusty will not be visiting as promised, the news of which prompts Bart to spark an uprising… Other notable episodes from Season 4 include “Itchy & Scratchy: The Movie” in which Bart’s punishment (that he can not see the new Itchy & Scratchy movie) threatens to drive him to the brink of insanity, and “Duffless” in which Homer’s arrest for a DWI forces him to submit to a campaign of anti-drinking films and AA meetings (made all the worse by Marge’s request that he quit drinking for one month)…

Below is a list of episodes included on The Simpsons (Season 4) DVD:

Episode 60 (Kamp Krusty) Air Date: 09-24-1992
Episode 61 (A Streetcar Named Marge) Air Date: 10-01-1992
Episode 62 (Homer the Heretic) Air Date: 10-08-1992
Episode 63 (Lisa the Beauty Queen) Air Date: 10-15-1992
Episode 64 (Treehouse of Horror 3) Air Date: 10-29-1992
Episode 65 (Itchy & Scratchy: The Movie) Air Date: 11-03-1992
Episode 66 (Marge Gets a Job) Air Date: 11-05-1992
Episode 67 (New Kid on the Block) Air Date: 11-12-1992
Episode 68 (Mr. Plow) Air Date: 11-19-1992
Episode 69 (Lisa’s First Word) Air Date: 12-03-1992
Episode 70 (Homer’s Triple Bypass) Air Date: 12-17-1992
Episode 71 (Marge vs. The Monorail) Air Date: 01-14-1993
Episode 72 (Selma’s Choice) Air Date: 01-21-1993
Episode 73 (Brother from the Same Planet) Air Date: 02-04-1993
Episode 74 (I Love Lisa) Air Date: 02-11-1993
Episode 75 (Duffless) Air Date: 02-18-1993
Episode 76 (Last Exit to Springfield) Air Date: 03-11-1993
Episode 77 (So it has Come to This: The Simpsons Clip Show) Air Date: 04-01-1993
Episode 78 (The Front) Air Date: 04-15-1993
Episode 79 (Whacking Day) Air Date: 04-29-1993
Episode 80 (Marge in Chains) Air Date: 05-06-1993
Episode 81 (Krusty Gets Kancelled) Air Date: 05-13-1993

Britt Gillette is author of The DVD Report, a blog where you can find more reviews like this one of The Simpsons (Season 4) DVD.

Beauty Supplements - Prevent Wrinkles, Not Just the Appearance Of Them

March 28th, 2008

Choosing antioxidants to supplement your regular skin routine is an approach that has been validated scientifically. A study by French scientists found that woman taking vitamin C, vitamin E, and betacarotene had 23% fewer new wrinkles, and a reduction in existing wrinkles of 8%. Antioxidants stop the breakdown of collagen and elastin by free radicals.

Foods with the highest levels of antioxidants, as measured by the ORAC (oxygen radical absorbence capacity), listed from the highest: prunes, raisins, blueberries, kale, cranberries, spinach, raspberries, brussel sprouts, plums and broccoli.

Vitamin A is another important nutrient for the skin. A deficiency in vitamin A will reduce the effectiveness of skin treatments. Vitamin A is needed for the normal growth and renewal of skin cells. Our skin cells are constantly replacing each other, and new ones are pushed up to the surface as the old ones slough off. Not only is vitamin A an antioxidant, but it also nourishes the fat layer underneath the skin. Vitamin A keeps skin supple, and may prevent skin damage.

Symptoms of vitamin A deficiency include dry and rough skin, localized breakouts, fragile skin, wrinkle prone skin, poor skin texture, and splitting nails.

One thing to remember with taking vitamin A supplements is not to exceed the recommended daily dose, as it can build up in your body if taken in excess. Taking 10000 IU per day is fine.

Vitamin C is another important beauty supplement. Not only does it help in skin repair by building collagen, but lower levels of vitamin C in the skin are associated with aging and UV damage. Taking 500mg to 2000mg per day, in divided doses, is recommended.

An excellent antioxidant supplement to take is alpha lipoic acid (ALA), especially if you’re taking the other antioxidant vitamins C and E, and coenzyme Q10. Alpha lipoic acid is not only an antioxidant in its own right, but it has the capacity to recycle these other antioxidants. Alpha lipoic acid is also an anti inflammatory agent, and improves insulin resistance. Insulin resistance is associated with obesity and heart disease. ALA increases the rate at which glucose is removed from the bloodstream, and helps the body detoxify metals that have accumulated. Alpha lipoic acid also prevents the cross linking of fibers, which leads to aging and the development of wrinkles.

Alpha lipoic acid is produced by the body, but only in small amounts. It is used by the cells in their production of cellular energy, and we only benefit from its antioxidant effects if the amount of ALA in our bodies is greater than that which our cells need for normal functioning. And, unfortunately, the levels of ALA in our body decline as we age.

One advantage of alpha lipoic acid is that it is both fat and water soluble. This means it can work in all parts of our body, making it very versatile. Most antioxidants are either fat or water soluble, but not both. For example, vitamin A is fat soluble, and vitamin C is water soluble.

Taking about 50 to 100mg of alpha lipoic acid supplements a day has been suggested, though this supplement has not been tested on pregnant or breast feeding women.

References: Nature and Health, April/May 2006

Rebecca Prescott - EzineArticles Expert Author

To learn more about why good anti aging best skin care regimens include beauty foods and supplements, see this article. Included are foods you should be eating regularly to nourish your skin. For a review of anti aging skin care treatments, see this article.

Utilizing Customer Service at Your Home Security Company

March 28th, 2008

For many people the most important aspect of a home security company is the customer service department. The customer service department at your home security company can really help you out in a lot of situations. They can be beneficial in helping you to choose with products and services to purchase from your home security company, can answer questions you have relating to the function of your security system and can help you to troubleshoot errors in the function of your security system.

The amount of products offered by a home security company can be overwhelming. In most cases a home security company offers way more products than you need to protect your home. Simply viewing a website or a catalogue can be quite confusing. The best way to determine just what you need is to contact the home security company directly and speak to one of there customer service representatives. These valuable employees of the home security company are typically very knowledgeable about the products and services that the security company provides so they can evaluate your situation and provide you with insight into which products and services would be most useful and which are not really necessary.

The customer service representatives at your home security company can also be of assistance if you have questions about how your security system works. Their knowledge of the products and services that the home security company provides enables them to explain the features of the system to you in a manner that is clear and easy to understand. Your home security company employees these individuals to assist you in answering any questions that you might have.

The customer service department of your home security company can also be very helpful if you experience problems with your security system. They might be able to answer your question or to test your security system remotely. If they are unable to answer your question or solve your problem, the customer service representatives will be able to put you in touch with the members of the home security company who will do the repair work, maintenance or testing that might be required on your security system.

A customer service representative is the consumer’s main contact in the home security department. If they are unable to answer your question, they can put you in touch with the member of the home security company who can help you. Whether your questions are related to installation, purchasing, testing, errors or payments, the customer service representative will field your call and either handles your question directly or direct you to another employee of the home security company who can assist you.

Robert H the author of this article, invites you to Find more informative articles on home security, and news on all the latest home security products at his his website here www.homesecurity.info-net-work.com

Usability testing with children

March 28th, 2008

Usability testing with children is similar in many respects to usability testing with adults. In order to get the most out of the sessions, and ensure the child is comfortable and happy, there are a few differences that you need to be aware of.

Stress of new people and surroundings

Children are far more likely than adults to find encountering new places and people stressful. You should always remember this, so try to find as many ways as possible to relax the child. Some things you could do are:

- Allow a significant period of time - at least 10 minutes - to meet the child. This is critical in putting them at ease before beginning the session. Some easy things to talk about might be computer games, cartoons, sports or school. Trying to make all the equipment used during the session match that which the child uses at home/school (phone up their parents/teachers beforehand to check).
- Try to be as comforting and reassuring as possible. It’s especially important to make it clear to the child that you want their views on the site and that you’re not testing them.
- Plan for the fact that younger children may prefer their parents to remain in the testing room with them. Make sure that parents know that they should stay out of the child’s line-of-sight and not help or distract them.

Asking for help

Children are far more used to asking for - and receiving - help than adults, so it’s very important for the moderator to:

- Clearly explain at the beginning of the test that you want the child to use the site on their own
- Make a sustained effort to deflect any such questioning during the session itself

Good ways of deflecting questions can include:

- Answering a question with a question (e.g. What do you think [you should do now]?)
- Re-stating that you want the child to use the site ‘on their own’
- Asking the child to have ‘one last go’ before you move on to something else

Children get tired, bored and discouraged more easily

Children (especially of younger ages) are less inclined - and/or able - to apply themselves to a single task for a prolonged period. Some ways to work around this are:

- Limiting sessions to 1 hour or less.
- Taking short breaks during sessions if the child becomes tired or irritable.
- Ensuring that sessions cover the intended tasks/scenarios in a different order - this will make sure that the same scenarios are not always tested by tired children, who are less likely to succeed/persevere.
- Asking the child for help so as to provide them with motivation (e.g. asking ‘Could you please find out for me how to…’, or by actually pretending to not be able find/do something on the site).
- Keeping up a steady stream of encouragement and positive feedback (”You’re doing really well and telling us lots of useful things - it will really help make the site better. Keep it up!”).

The importance of non-verbal cues

Children can’t always be relied upon to verbally articulate their thoughts/feelings, either due to their:

- Not being articulate enough
- Being too shy
- Not wanting to say the wrong thing and displease an adult
- Saying things they don’t believe just to please the adult

This makes it particularly important that the usability expert be sensitive to children’s non-verbal cues, such as:

- Sighs
- Smiles
- Frowns
- Yawns
- Fidgeting
- Laughing
- Swaying
- Body angle and posture

Physical differences

A couple of very obvious - but easily forgotten - differences which need to be taken into account are:

- Chair and table settings - Make sure you have a chair/table setting that allows the child to comfortably use the equipment during the session.
- Microphone positioning - Children tend to have quieter voices than adults, so microphones should be placed slightly nearer to the participant than normal.

Levels of literacy and understanding

It is critical to ensure that a session’s participant has an accurate understanding of the scenario being presented to them. Some ways to do this include:

- Asking participants to re-phrase scenarios/goals in their own words.
- Asking participants to repeat a scenario (i.e. what they are trying to achieve) if the task has gone on for some time and you suspect they may have forgotten it.

This article was written by Tim Fidgeon. He’s crazy about web usability - so crazy that he now works for Webcredible ( www.webcredible.co.uk ), an industry-leading usability and accessibility consultancy.

Which Loan is Best For You-A Home Equity Loan or a Home Equity Line of Credit?

March 28th, 2008

If you don’t know the difference between a home equity loan and a home equity line of credit, here’s a quick summary of both with their advantages and disadvantages.

A home equity loan is a fixed loan taken out over a fixed period of time and at a fixed rate. The monthly repayments are also fixed for the term of the loan so you know from month to month what you’re paying back.

The advantages of this loan are…

• That unlike your primary mortgage this loan is paid off over a shorter period of time, it varies between 5 - 30 years.

• You can’t borrow more than the amount you have agreed so you can’t get further in debt.

The disadvantages of this loan are…

• You may get carried away and may borrow a little more than you really need to.

• You can remain in debt by taking out an interest only home equity loan and not paying off the principal amount.

A home equity line of credit can be compared to a credit card; the lender offers you a fixed amount you can borrow up to in a certain time limit. These time limits can vary
from lender to lender. You get a fixed period of time you can borrow for and then a fixed period you to pay off your loan.

The advantages of this loan are…

• You don’t ever need to borrow the full amount offered.

• You can pay off the full amount and if you are still within the borrowing time limit, you can borrow the same amount out again.

• It’s more flexible than a home equity loan.

The disadvantages of this loan are…

• You are never on a fixed interest rate, your repayments vary from month to month.

• Some lenders require a small up front payment before using the loan

• You may only be able to borrow a minimum amount each time and have a minimum remain balance.

And finally, as with all loans, always be on the lookout for the best deals and make sure you can afford it before taking either loan out.

For more free home equity loan advice and information visit http://www.allabouthomeequity.com for details.