Mountain Biking Clothes – Riding In Style

Clothes make the man, and the woman, and the mountain biker. Looking good on the trails is almost as great a concern among mountain bikes enthusiasts as having the best biking and safety equipment they can possibly afford. Mountain biking clothing, in fact, can take a significant chunk out of a biker's budget; having new designer biking togs to show off at the next big group trail ride is almost as much fun as being on the ride itself.

The mountain biking clothes which correlate to Ralph Lauren Weekend in main fashion are those of Zoic. Zoic combines color, innovative design, and unparallel craftsmanship in mountain cycling clothing lines for men, women, and children of every level of mountain cycling skill. They have comfortable shirts and shorts to appeal to all.

Zoic Mountain Biking Apparel

The Zoic Libertee Shirt for Men is extremely popular both for its comfort and the quality of its construction. The design of the Libertee sends a clear signal that its wearer knows great mountain cycling clothing when he sees it.

Zoic's El Diablo Jersey is a men's shirt constructed from fabric ideal for long distance tiding. Its cutting-edge design separates it from traditional mountain biking shirts, with an easy zipping mechanism to provide extra comfort while maintaining the high fashion look which has made Zoic mountain biking clothes [http://www.mountainbikingreviews.com/Freeride_Mountain_Biking/] the leaders among the sport's enthusiasts.

The Zoic Epoch Short is a men's short with a twin zipper to supply comfort with extra support and ventilation.

The Zoic Ether Short for Men, a highest quality nylon short, allows its wearers maximum freedom to move and, therefore, maximum comfort. It offers the convenience of side pockets in which the biker can stow all his biking accessories

The Zoic Crosswind Sleeveless Shirt is a piece of mountain cycling clothing that allows women mountain bikers to emphasize their femininity and remain cool by going sleeveless as they ride.

Finally, the Zoic Bellis for Women is the perfect mountain clothing for women who are competitive mountain bikers. It's constructed of a jersey fabric which offers both the comfortable functionality and good looks that make its wearers feel good init and good about themselves for wearing it!

How to Get a FREE Tax Sale Auction List

Let’s face it. There’s a lot of misinformation out there when it comes to investing in tax foreclosure properties. One of the most laughable pieces of misinformation that I seem to always come across has to do with auction lists. Much of this misinformation implies that you must belong to some sort of exclusive or paid membership club to access a tax sale list. Or that you need to fork over hundreds of dollars before you can access a list. The truth of the matter is tax sale lists are FREE, have always been FREE and will always be FREE.

As an informed investor, we must look at it from the county’s perspective. The county is foreclosing on these properties since the owner failed to pay the property taxes. Property tax payments contribute to a variety of expenses that help a county and its’ government operate. We’re talking about things such as law enforcement, fire and rescue services, educational funds, road construction and maintenance, and a lot of other necessities. When someone fails to pay the property taxes the county no longer has the money needed from the tax roll revenue to pay for these costs.

When a property is sold at tax sale auction two primary objectives are met. The first is that the auction itself brings proceeds from the selling price. Properties that are sold at a tax sale auction have not produced revenue for a period of 1-3 years. Accordingly, the proceeds from the auction will essentially reimburse the county for covering that property’s share of governmental expenses during this time.

The second and primary objective that it meets is that the property is returned to the tax roll as a tax revenue producing property. The county would rather not have to even deal with tax sale auctions. The ideal situation of course, would be that all property owners make timely payment of their taxes so that tax revenues would be at capacity. But when this doesn’t happen the next best thing is that the property is returned to the tax roll as a revenue producing property as quickly as possible. This is done when the property is sold to a responsible tax payer at auction.

Now that we understand the benefits of tax sale auctions does it really make sense to you that counties are going to make it difficult or expensive to obtain tax sale auction lists? Of course not! They want to make it as easy as possible for you!

So how can you get your hands on one of these “elusive” tax sale lists? ASK FOR ONE! It’s that simple.

The first thing you need to do is determine who the responsible governmental entity is for tax foreclosures in the area you’re investing in. This is the office in charge of handling the tax sale auction. It could be the county clerk, the treasurer, the tax collector, the sheriff’s office or another government office as it varies from one area to another. The best way to determine this is to do some quick research through Google. Find out who collects the taxes, give them a call and then ask them who handles the tax sale auctions in the area.

This leads us to the second and final step which is to contact that office and ask for information about any upcoming tax sales. Many times it will be as easy as going to their website and clicking on the “tax sale” link. Other times you’ll have to contact a receptionist and ask the best way to obtain one. If a list is not published on their website, they will typically either email, fax or mail it to you. If they fax or mail it you might have to pay a nominal postage or long distance fee but it will usually be free.

Wasn’t that easy? No expensive memberships or exclusive clubs to belong to. Just find the responsible government entity and contact them. There isn’t much more to it.

The most important thing here is what you do with that list once you have it. How do you read the list? What properties should you choose to invest in? How much do you pay? How much should they sell for? The questions can go on and on.

Before you try to venture into it alone consider getting someone with more experience to train you. As someone who has over a decade worth of full-time experience in numerous states, my experience in unparallelled.

Jewelry Making Or Perfume Making – What’s the Difference?

Very recently I've stumbled upon what proves to be another new hobby of mine, making perfumes using natural, essential oils. I've purchased several oils from the UK so far, and started combining them to make perfumes. Which does not seem to be so easy as I first thought. Most of the concoctions smell horrible, at best as a bad medicine.

I've searched a lot the internet for recipes on the subject, but it's hard anything out there. There are a couple of real life workshops that one should attend, at over $ 1000 a piece, and very few books on the subject, mostly touching the history of perfumery and the ingredients, but less the actual blends, mixes. So I broke down and purchased from Mandy Aftel the Level 1 Workbook, at a price of $ 375 (yep, you've read it right!) And shipping to Europe $ 80 (right again!), As this looks pretty much the only feasible avenue for somebody to really learn perfumery without spending a large amount of essential oils on trial and error, by not knowing what is one really doing in the process.

So now I'm waiting for it to arrive …

And in the meanime I'm musing …

Most probably since the time I started with wire wrapping, I did spend about this amount or even more on books and tutorials, however the difference between this workbook and the tutorials for wire wrapping, is that I've bought MANY tutorials, on all aspects of wire wrapping and jewelry making. I've learned a lot of skills in the process. I have now a new level of appreciation for all the wire wrappers who so freely share their knowledge in allowing the rest of us to learn their secrets, and to make their jewelry pieces. Without all these tutorials, and book out there, it would have been much more challenging to learn wire wrapping, even to the level I am right now (which is not that far). It is a completely different world between the two.

Perfumers guard their secrets as if with their lives, they will not share but the very basic of blends, which does not bring one very far, and wire wrappers, or jewelers in general are very generous, and share. Yes, for a price, but the prices are very reasonable, anything between $ 5 and $ 15 for learning how to make one pendant, a pair of earrings, a ring, any items from start up to completion. Plus there are also many free tutorials out there, which allow you to build on your existing knowledge and widen it too. Best example out there is Eni Oken, who has many tutorials for a veeeery reasonable price, but also many freebies to get you started.

How to Select the Best Mobile Payment Application

Mobile point-of-sale (POS) solutions enable merchants to accept credit card payments where it is most convenient for their customers. Mobile payments allow merchants to accept and process credit card payments in the aisle, outside the store or anyplace customers prefer to pay. Small business owners or large enterprise merchants with a mobile sales team or non-traditional storefronts can expand their business and increase revenue by accepting mobile credit card payments using their existing smart phone.

Mobile POS systems are setting a new standard in convenience and are easy to implement and support. Merchants equipped with an iPhone, BlackBerry, Windows Mobile or Google Android device can submit, authorize and settle transactions quickly and securely.

Mobile POS systems offer several advantages:

  • Decrease Processing Cost- Merchant can lower their processing cost by using a single merchant account to accept retail and mobile payments.
  • Customer Satisfaction- Improve the customer experience by offering multiple payment options.
  • Flexibility- Mobile transactions allow merchants to take your storefront anywhere you go.
  • Stability and Reliability- Mobile POS software rivals those of the largest e-commerce, trading, and portal Web sites. Mobile POS applications can handle millions of transactions every month.

Lower Entry Cost

Considering that most people would rather lose their wallet than misplace their cell phone, it comes as no surprise that the mobile platform is quickly becoming a new payment option for small business owners. For many, our cell phone never leaves our side. It maintains its place at the dinner table, is easily accessible on your belt clip or in your pocket, and often, somehow it even manages to end up sharing your pillow at night. Today, cost conscience merchants can accept credit card payments without purchase traditional point-of-sale equipment or paying for expensive system customizations.

Market Expansion

Mobile POS solutions are priced for the small business owner and independent sales representative. Merchants can purchase a quality smart phone payment application from $0-$29.95. Questions to ask your mobile payment provider:

· Is the mobile application PCI compliant?

· Does the application support both small and large payments?

· Does the system require a payment gateway service? If so, recognize payment gateways require an additional recurring monthly fee.

· Does the application support swipe and non swipe transactions? Swipe transactions provide lower processing fees.

· What card readers are supported?

· Does the card reader support data encryption?

· Does your system provide online statements for viewing customer transactions?

· What mobile phones are supported?

· Does the system ensure no customer payment information is stored on the cell phone?

· What are all the fees associated with accepting payment?

· How quickly are customer payments funded to the merchant’s bank account?

· What is the license agreement? Specifically can the merchant load the mobile payment application on multiple devices?

We’ll undoubtedly see many mobile application providers come out of the woodwork as the industry matures. However, merchants should look for a mobile payment provider with multiple years of experience in the payment processing industry.

Top Mobile Payment Applications

1. MobileAuthorize (Google Android, BlackBerry, iPhone/iTouch, Windows Mobile)

2. iPayPOS (iPhone)

3. RoadMerchant (BlackBerry)

4. MobileMerchant (iPhone, Windows Mobile)