How Do You Remove Scratches from Designer Glasses?

No matter how careful you are with your glasses, you are probably going to deal with a scratch or two over their lifetime.While some scratches may not bother you, as they are out of your line of sight, others create problems with your vision when they are directly where you need to look.If you are suffering from scratched lenses, you may be able to remove them with just items you have around your own home.

Plastic Versus Glass

One variable to consider when looking for a scratch repair option is whether your glasses are glass or plastic.

Many of today's lenses are made out of metal plastics, such as polycarbonate, in order to reduce the risk of breaking.These lenses also weigh far less than traditional glass lenses.Many of the scratch repair options work only on plastic lenses, so if you have glass ones you are going to struggle to repair the scratch.

For instance, many solutions you can buy to repair scratched glasses are polymer-based solutions.Polymers and plastics are both made from carbon, so when you bring them together they bond with one another, and this can effectively fill in a crack.These do not work well on glass at all.In fact, the only likely option you will find to repair a glass lens that has been scratched is to have it professionally restored, and the price of purchasing a new lens for your frames is typically more affordable.

The Toothpaste Method

One way to remove scratches from plastic designer lenses is to use toothpaste and a soft, non-abrasive cloth.

Get a regular toothpaste, not one with whitening and other fancy aspects to it, and then rub it on the lens in small circles using the soft cloth.Spend about 10 seconds rubbing the toothpaste on the scratched lens.Then, use water and a new soft cloth to remove the toothpaste.

This does not always work the first time.If you still notice the scratch, repeat the process again.Keep in mind that glasses that have a coating on them will be harder to treat in this manner.You will have to use the toothpaste to rub off all of the coating, so you may wish to bypass this option on your next pair of glasses, as they also will likely get scratched.

Using Jeweler's Rouge

Jeweler's rouge is another product you might be able to use to remove scratches from your glasses.

Choose a low abrasive jewelers rouge.Then, make a mix using two ounces of ammonia and two quarts of water.This is more of the mixture than you will need, but these measurements ensure that you get the right ratio.Use a polishing cloth to first apply the jeweler's rouge to the scratch in a circular motion.Buff the glasses for a while until the scratch becomes less visible.Then, don some protective glasses and rubber gloves, and use the ammonia mixture to clean the glass using a soft sponge.When you are done, dry the lens completely using a lint-free, scratch-free cloth.

Final Considerations

While your designer glasses may have been expensive, part of this expense goes towards the purchase of the frames and having the glasses fitted.

You may find that simply replacing the scratched lens is more affordable than you think.

If you attempt to use any of these methods to repair your scratched lens, you need to know that they could end up damaging your lens if you do them improperly, so do so at your own risk.Often lenses are coated for various reasons, including glare reduction and scratch protection, and attempting to fix a scratch will almost always damage this coating.However, if the cost of replacing your lens is out of reach, you may wish to try to repair the scratch yourself, but understand the risk if you do.

About the Author

Featuring the latest designer frames and cheap contact lenses at huge savings online.

Choose from some of the finest designer eyeglasses available in metal frames, plastic frames, rimless frames and more.

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Discovering The Power Of Residual Income

With the job market sinking lower every day and more people seeking employment of gainful income, everyone needs a little bit of extra money for the monthly household expenses.But, who has the ability to invest the time necessary to develop a second job?Pulling down the extra hours is exhausting, a trading hours for dollars, and rarely is the compensation for such a task worth the effort you must put in towards your employers' objectives.

However, if your second job generates ongoing and reliable residual income, your situation is entirely different and less stressful.Residual income is passively generated, meaning that you have the potential to get paid over and over again consistently for past work completion and efforts invested.A dollar of residual income is worth three times more than a dollar earned by traditional job income.

How Residual Income Is Generated

Whenever you do a certain action task at work, you expect a logical monthly or weekly compensation for that successful completion result.

Most people never look beyond linear compensation.In a linear model, you work a certain number of hours, you are paid per hour or on a fixed salary based upon the job you do and how many hours you worked.Similarly, when you are paid per job, you get paid based upon how many job events you specifically complete in a given time period.There is a direct correspondence between how long you work and what you are paid.Stop working, and you would stop being paid.

With residual income, however, the income doesn't stop necessarily once you stop investing the initial effort.The initial expenditure of energy in your business building endeavors continues to drive your profits in the form of sales overrides, allowing you to reap the rewards of your teamwork long after you have stopped working.By setting yourself up well at the beginning and by making the right choices, you will continue to reap passive profit on prior efforts after the fact.

What Types Of Businesses Create Passive Revenue?

Generally speaking, businesses that involve distributing a product in high-demand tend to be best for creating passive revenue due to monthly reorders placed.There are a number of different businesses that can be included in this umbrella, and finding one that suits your particular interests and schedule is becoming easier.

To illustrate how passive revenue is created, it is helpful to examine a particular business that generates such revenue.Some sales businesses are a type of distributorship that generates residual income based upon sales and customer reorders of the Zrii beverage, a healthy nutrient beverage that features the amalaki fruit.Like most businesses, which generate passive income, these business owners may see a number of future monthly reorders.

Monthly passive income is generated based upon an original client base.With any type of passive income business, the monthly revenue can be increased by reaching out to a broader client base through various marketing techniques.This does require some effort, but in the end your new clients should develop in to more increases in a passive revenue stream.

Stability And Prosperity, Even In A Troubled Economy

Perhaps the greatest strength of residual income is its ability to stay strong, dependable, and consistent even during difficult economic times.

Even as the stock market plunges, residual income is hardly affected, and businesses that rely heavily on passive revenue may remain minimally negatively affected.The work done previously to establish a passive revenue business continues to pay off, with the client base continuing throughout a downturn.Even if used only as a secondary source of income, passive revenue is a powerful aid in a troubled economy.

About the Author

Christine O'Kelly is an author for Zrii Amalaki, an independent Zrii business representative and part of the Zrii prosperity network.

Zrii distributors generate residual income by distributing the powerful, health giving amalaki fruit.

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Three Popular Misconceptions About Bankruptcy

Bankruptcy not only carries a stigma, but is also clouded in misconception.These two things go together.The stigma attached to bankruptcy grows mostly from the history we attach to it, and the assumptions we make about the process, how it affects our financial standing, and how other people will view us if we file for bankruptcy.As we can see from a close look at bankruptcy in our modern society, many of the things we believe about bankruptcy are simply not true.

Misconception 1.All my friends and neighbors will know I've filed bankruptcy - not true.

It is true that the record of your bankruptcy is not hidden from the public.Anyone who wants to go to the trouble to find out who is currently filing or who has filed for bankruptcy in the past can probably find that information fairly easily.But the simple fact is that unless you are someone the media has a reason to feature or highlight, it is extremely unlikely very many people will ever find out about your bankruptcy.

There is simply no single place where you can find an up-to-date list of people who have recently filed for bankruptcy.The numbers are so high, and the list changes so often that unless a publication or directory has a significant staff to watch these figures they are simply not going to do it.

Misconception 2 - I will lose everything I own.

This is probably one of the biggest concerns that most people have about bankruptcy and the thing that frightens them from filing.They have vague visions of debtors prison in their heads and assume they will have to start over completely from scratch - no house, no car, no furniture, no computer, ipod, camera, or even tools required to make a living.

If this was really the case you can imagine that almost no one would file for bankruptcy.Actual bankruptcy laws vary from state to state, but every state has exemptions that protect certain kinds of assets from being seized by your creditors or even the courts.These include your house, your car (up to a certain value), household goods and clothing and money in qualified retirement plans.

It may surprise you, but in many cases you can pass right through bankruptcy and essentially keep everything you have.That includes your mortgage and car loans as long as you keep on making the regular payments.The reason you are filing for bankruptcy is that you don't have a significant amount of equity to spread around.In most case it would not serve any useful purpose to sell your house from under you and give the little bit of equity in it to your creditors at the cost of putting you out on the street.

Misconception 3 - Filing a Chapter 7 bankruptcy wipes out your debts completely.

Unfortunately for the person filing for bankruptcy this is not true.Certain debts such as child support, alimony, government-issued or government-guaranteed student loans, and debts incurred as the result of fraud will not be forgiven in a Chapter 7.Also when property loans or car loans are secured by assets such as your house or car, those loans will normally remain in place.

Essentially what happens in a Chapter 7 bankruptcy is that the bankruptcy trustee gathers and sells the debtor's assets - other than those which are exempt or are pledged to specific creditors (e.g., a mortgage or car loan) and uses the proceeds of those non-exempt assets to pay legitimate creditors.The net result is that the debts to those creditors are fully discharged.

Not everyone is eligible to go through this process.For example if a person's monthly income is over a certain threshold the court will probably deem it necessary to file for Chapter 13 bankruptcy instead.A Chapter 13 proceeding involves filing a plan of repayment because it is assumed the debtor has sufficient income to pay back at least some of the money owed.

These are just three of the most widely held myths about bankruptcy.There are many others.If you are considering filing for bankruptcy you would do well to seek the advice of an attorney who specializes in bankruptcy cases.That may be the only way you will get an adequate explanation of the laws in your state, and good, solid information about which course of action is best for you.

About the Author

For more information about the pros and cons of filing bankruptcy contact the bankruptcy attorneys at LegalHelpers.

com.LegalHelpers has helped thousands of people eliminate millions of dollars of debt and they can help you too.

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Banks Charge Extra For New Mortgages

Britain's mortgage lenders are still to increasing their interest rates for new customers and failing to pass on the cuts in market lending rates, which have been improving for several weeks.

Last week, the Bank of England felled its main interest rate by a third bringing it down to 3 per cent the lowest in more than 50 years.New data showed that inflation is falling more quickly than anticipated so further cuts in interest are expected, maybe as soon as next month.According to the Office for National Statistics inflation, based on the consumer prices index, slumped to an annual rate of 4.5 per cent in October, compared to 5.2 per cent the month before.Economists had been predicting a smaller drop but a slowdown in the rise of food prices, coupled with the effect of falling petrol prices both contributed to bringing the rate down more rapidly than expected.

Although existing homeowners with tracker mortgages are about to see a substantial cut in their monthly payments following this month's 1.5 percentage point drop in the Bank of England interest rate, consumers searching for new tracker deals will probably be paying a higher margin above the Bank rate than they would have done just a couple of weeks ago.The rate at which banks borrow funds to lend to mortgage borrowers and the rate at which banks lend to each other (known as Libor) has also decreased and is now down to just over 4 per cent, from around 5.7 per cent at the end of last month

Yet despite the gap between Libor and the Bank rate narrowing, lenders are continuing to increase their profit on new mortgage products.

Halifax launched a new range of trackers which vary between 1.99 and 2.39 percentage points higher than the Bank rate.

Similarly, Alliance & Leicester, Abbey and Lloyds also released new trackers all costing at least 1.79 percentage points above the Bank rate.
David Hollingworth, of independent broker London & Country mortgages said: "The margins are very wide much wider than they were a month ago." He also claimed that for many consumers, the biggest problem at the moment is that the majority of products are only available to those with a low loan to value [LTV].
Nearly all of the new trackers on the market are only available to borrowers who have more than 25 per cent equity in their property.

For customers who have a mortgage which accounts for 80 per cent or more of their current property value, it is now near impossible to get a tracker mortgage deal.And for homeowners with a 90 per cent loan to value, there is only a tiny selection of products on offer and the interest rates on most of these are more than double the Bank rate.

Mr Hollingworth said more and more of borrowers may have to return to their bank's standard variable rate (SVR).This, however, may not be as unattractive as it once was because lots of banks have reduced their SVRs by 1.5 percentage points after the Chancellor pressurized them to pass the full Bank rate cut on to borrowers.

The banks decision to raise the margin on their trackers was defended by Sue Anderson, of the Council of Mortgage Lenders: "It reflects the mix of business levels that lenders now have," she said."A lot of lenders fully cut their SVRs by 1.5 percentage points, even though their own funding cost would not have been cut by that amount."

About the Author

The Mortgages-Manager is a specialist in Mortgages, offering fantastic deals and truly impressive information surrounding mortgages and remortgages.

Our sister site Brokers Online offers cutting edge articles and information about Mortgages and other financial products.

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Compensation Culture Gone Too Far

The facility of being able to claim compensation is, in essence, a good thing.It means that people who have suffered hardship have some sort of recompense which is especially vital if time off work is needed or serious illness or injury has been inflicted.

Compensation claims can be made against an individual or a larger organisation such as a local health authority or council if they are felt to be negligent.

However, where this was once considered to be important for people to fall back on, but unfortunately events have turned full circle and the compensation craze has caused much harm.Insurance premiums have gone up and the cost of many things has been increased in order to cover the possible costs of compensation claims.

No longer are people able to take responsibility for their own lives and the things that happen and they are also incapable of being able to accept that accidents happen through nobody's fault.

One prime example is the man that tried to escape from jail by jumping from a roof thirty feet high.Quite unsurprisingly, he broke bones in both feet and was taken to hospital for treatment.He was subsequently released from prison and it seems his feet were ok enough for him to be able to do another robbery.

This led to another prison term and the delay in him getting further treatment for his feet yet he is being able to try and make a compensation claim against the prison service for the delay in his treatment!It seems incredulous that his claim has been allowed to get this far!

Another hot favourite compensation claim is that of the public suing councils for potholes in the road.This is definitely a problem as these holes can cause some real damage to cars that drive into them or people who trip and fall.However, it has got to the point where councils are now spending more on paying out compensation than they can on actually fixing these holes.

Councils have a limited amount of funds and legal costs have to come above other matters.In one year alone, councils paid out 53 pounds million on compensation claims and 52.3 pounds million on road repairs.Once all compensation claims have been settled, it leaves very little for the actual repairs.Of course, people who are genuinely hurt by something because the council have failed to fix it should be compensated but where does this merry go round stop?

Could some of these people have taken responsibility for where they were going?Could the council have made repairs as soon as the problem was notified to them?

So, where do lawyers draw the line?Well, I guess they won't because for every compensation claim there is a hefty old payment in it for them.The trouble is, this is having a detrimental effect on all of us now.Not only have prices been increased to cover the unforeseen compensation claims but we are being further restricted in what we can do.

When people had the sense to be aware of accidents and not seek to constantly blame others for things that go wrong, there was much more general freedom.Now, we are lucky if we can have Christmas lights put up in town just in case one should fall or fail in some way and somebody should become slightly injured but rich with it.

About the Author

Shaun Parker is a leading financial expert with many years of experience in the compensation industry.

Find out more about compensation claims at http://www.stewartslaw.com

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Look At The Small Print When Buying Critical Illness Insurance

As a reaction against recent criticism that sickness policies are being mis-sold, the industry claims that it has already put new guidelines into place.A review by the ABI provided more rigorous standards, with easier to understand headings on brochures and standard wording to give a clearer picture.

Some providers have also reduced the number of people they refuse - to 15 per cent, at Standard Life, or 11 per cent in the case of Scottish Provident.In total, Scottish Provident paid 45.5million pounds in claims in the first 6 months of last year, with cancer being the most frequent trigger.This brings the amount paid by the insurer to 344m since 1996.Standard Life paid out 5,047 death and health claims in the same period to the value of 134million pounds.

The majority of people, whose claims are refused, are denied a payout because they did not declare a pre-existing condition.Others fail because their illness does not fall within the bounds of the policy.This mistake is easy to comprehend.What is covered as critical illness to one insurer is excluded by another.

If you take out a loan with Sainsbury's Bank, you will be asked if you require its creditcare protection insurance.The highest price "gold level" includes insurance for critical illness.But what the policy covers will be very different to that on offer from Standard Life.

At Sainsbury's it covers open heart surgery, strokes, heart attacks, kidney failure, quadriplegia and paraplegia and kidney failure.Cancer also features on the list though there are exceptions, including all but the very serious prostate cancers and lymphoma and skin cancer.

Standard Life encompasses 30 different illnesses including the seven highlighted by Sainsbury's.They range from the human form of mad cow disease and third degree burns to bacterial meningitis and Parkinson's disease.The company's definition of cancer has the same exclusions as Sainsbury's.

Insurance broker Simon Burgess states he will not sell critical illness cover since, in too many cases, policyholders never claim or the policy fails to pay out "You see adverts which say one in three people will get cancer and how a critical illness policy will help.But these policies are cancelled when people reach retirement age and that's when most people get cancer.The figures for cancer are nearer one in 40 before 70 years of age, but the adverts don't tell you this."

Mr Burgess also says that the financial advice industry is guilty of churning policies.

This means that advisers recommend clients to review policies every five years because it may give them a better deal.According to Mr Burgess this is just a money-spinning exercise because each new policy gives commission to the financial advisor.In some cases this can be equivalent to two year's worth of premiums from the policyholder.

Even some of the largest providers of critical illness insurance agree that there can be better alternatives for paying the mortgage or generating an income when life-threatening illnesses stop you from working.

In today's world, a person can sometimes be fighting cancer or other diseases for a number of years.If they are unable to work whilst receiving treatment or recovering from side effects, a lump sum payout from critical illness cover could run out very quickly.

It is worth looking into other kinds of policy such as family income benefit or an income protection policy.With the latter, for example, a payout would be made for a bad back if it prevents you from working.Clearly this would not be covered in a critical illness policy.

Mick James from Standard Life says."For every income protection policy sold, people buy four to five critical illness policies."

Yet that is an improvement on some years ago when the ratio was 10 to one.

The fact still remains that the industry as a whole needs to do more to explain the alternatives to people so that they are able to make an informed choice.

If you are concerned about NHS waiting times for treatment after a diagnosis for cancer or heart disease has been made and you think you might want private medical treatment then private medical insurance (PMI) is usually a better choice.

About the Author

Interested in getting a quote on Life insurance?

Please Visit the Life Insurance Angel for more information and other resources.Our sister site Brokers Online offers cutting edge articles and information about Life Insurance and other financial products.

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Cash Gifting: Turn Your Dreams Into Reality

Are you ready to turn your dreams into reality?Are you ready to make a firm commitment to yourself?Are you ready to rise above your current state of affairs?Cash Gifting can take you there.

Most people know that Cash Gifting is one of the most popular business opportunities on the Internet today.For years now, gifting programs have been gaining noteriety as being the fast track to significant wealth generation.Many generate thousands of dollars within their first week of Cash Gifting.As with any other legitamate business opportunity, Cash Gifting is dependent upon the amount of effort put into it as well as knowledge of the variety of techniques of Internet marketing.

In order to be successful in Cash Gifting or any other serious program, you need to have, or be willing to develop, the traits of an entrepreneur.Many people want to begin reaping the wonderful benefits of Cash Gifting but are hesitant to begin the process because, even though Cash Gifting is one of the easiest concepts to promote, it still requires regular and effective promotion to keep the gifts coming in.

A lot of people are attracted to the idea of Cash Gifting and want to become part of a team, a system.They procrastinate due to fear of beciming a victim of the fast- talking, money flashing con artists who promise them everything and deliver nothing.
It's alright to be fearful because unfortunately there are dishonest people in every area of business.When joining a Gifting Program prepare to do some thorough research about the program; how long it's been around, how it's operated and how gifts are tracked.You'll also need a dedicated mentor who truly cares about your success and ability to make the program work for you.You need to learn how to avoid all of the hype that the con artist will throw at you to try and get you to sign up with them.

There is another concern.While your sponsor really wants you to succeed, they may not understand the art of mentoring.Simply because someone has been successful in Cash Gifting doesn't mean they can lead you to wealth.You must associate yourself with those who have been where you are, know how to rise above it and have lots of resources, knowledge and first hand experience for you to be successful.

You want a mentor to help you learn a variety of techniques for Internet marketing and provide you with the tool kits to allow you to do so.Many people have become discouraged when they join a Cash Gifting program and are left to figure it out for themselves with no support from their sponsor.You must protect yourself.

Lets go back to the entrepreneur.An Entrepreneur is someone with a drive to succeed and the willingness to work for it, on their terms.With Cash Gifting, we are all entrepreneurs, and a smart entrepreneur knows that you don't have to do it all alone.There is proven power in numbers.When joining a team of like-minded individuals who share your drive and passion to succeed, you increase your odds of reaching your goal.

Whatever your reason for joining a Cash Gifting program, whether it's buying a new car, paying for college or getting out of debt, you must be dedicated.Approach this opportunity as a professional.Entrepreneurs have incredible mental focus.We understand that there is a lot of competition, but it can be beaten by using time proven techniques for success.

Are you ready to turn your dreams into reality?Are you ready to make a firm committment to yourself?Are you ready to rise above your current state of affairs?Then you are ready to enter into the entrepreneurial world of Cash Gifting.Align yourself with a solid mentor, prepare to put in some effort and set your mind to success.

About the Author

This gives you the opportunity to help another person prosper and become richly rewarded doing so.

I work with a proven system that offers team support, sharing of ideas, strategies, and as your mentor I'm there to help insure your success.
For more information:

www.
wealthbuilder4life.com

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