BeWild Brand – Supreme 2 in 1 Cigarette Case with Built in Lighter # 38 (For Kings Size Cigarettes)

This sleek cigarette case is the all in one solution to keep your cigarettes safe and protected while always having a lighter by your side. The Supreme 2 in 1 Cigarette Case with Built in Lighter features a Butane cigarette lighter integrated right in to the design of the case. You can ignite the lighter even while the cigarette case is closed for easy access when needed, or the lighter can also be removed at any time. The butane lighter is refillable and also features a flame adjustment as well as a wind resistant electronic ignition. The cigarette case holds up to 16 king sized cigarettes. Brilliant Chrome finish make this cigarette case a real looker.
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BEST DEAL $4.99/month VPN HideMyAss

Summer Vacation Special HideMyAss Online Privacy VPN Securing and encrypting your internet connection has never been so easy. Simply install our software, enter your username and password and click the connect button Absolutely no technical knowledge is required. Easy connection Simply enter your username and password into the dashboard, select one of our VPN servers and click connect. Your internet connection will quickly be encrypted and your online identity changed. The dashboard will update and confirm your new IP address and virtual location. Get Now Summer Vacation Special Price $4.99/month

A Private Network for Your Business

When a business grows, it will be apparent when it branches out all over the country, or even abroad. In order to keep the communication between the branches going well for the betterment of the business, the company needs to provide a faster way of corresponding, which should also be reliable and secure, since company information will be sent through the said network. On the other hand, employees of companies who need to do business abroad need to have a connection that’s just as secure as the one they have in their offices. These employees often connect to the internet using Wi-Fi connections in hotels, and they need the right protection so that sensitive company information will not be accessed by third party individuals.A computer technology that can achieve the objective of providing a secure connection through the internet is a virtual private network, or VPN. It is a private network that utilizes the services of a public network, which is the internet, to link together users or remote sites. Virtual connections are employed by a VPN through the internet so that an employee working from a remote site, or the remote site itself, will be connected to a private network of a business or company. Business security is ensured through the use of a VPN connection, since the data sent on the web are all encrypted.If you are surprised to hear about this technology, you should know that this type of service has been around for years already. Before, companies with multiple offices in different locations made use of leased lines to link them all together. Leased lines, like that of Integrated Services Digital Network (ISDN), were private networks offered by telecommunication companies. Companies used the services of these leased lines to reach business locations apart from their main branch. The services that leased lines provided were secure and reliable, the only problem was they were too expensive, with the price increasing as the distance of the remote location also rises. Only big companies were able to afford leased lines back then.Because of the availability of a VPN connection, companies were able to drop their leased lines and lower their costs when it comes to connection to remote locations and employees. VPN made this possible without sacrificing the security and reliability of communications that leased lines provided. Not only that, even small businesses that needs the services of leased private lines before, but cannot do so because of the cost, are now able to enjoy the same services with VPN with a much more affordable price. The decrease in the cost for a private network, business are able to divert funds to other important projects or facilities that are as equally important as protecting sensitive company data exchanged on the web.

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Phone Lines For Your Business

Acquiring a business phone line for your company is something you have to do if there are lots of employees at the office. The phone line is really a fast way to reach folks inside the office. It really is also one of your primary methods of reaching company partners and customers outside of your workplace. You virtually cannot get by without setting up a telephone line you’ll be able to count on for phone calls. Business phone lines provide some thing firms are trying to find, the cheapest telephone phone calls possible.Different choices for your business phone line are accessible. Decide on the sort you need. Do you want an electronic line, an analog line, or IP? A regular, electronic line will be the ISDN. ISDN is an acronym for integrated providers digital network, which is not as well complicated. Typically this will allow several channels. This means the line can transfer data, as well as voice and video. This choice of line is accomplished over the copper lines possibly currently wired within your neighborhood. If you want DSL internet, it really is possible to obtain over ISDN. An extremely fundamental ISDN set up will allow your company to run eight different lines whilst making two phone calls simultaneously. This type of line gives you much more for your price of regular lines. Selecting ISDN30 permits the capability to add several hundreds of additional lines if you need it.Get a line that has fairly new technologies. Older techniques will disappoint you eventually. Older technologies will limit your capabilities. Newer products could have better features as well as have support for your product for a longer quantity of time.Once you get the equipment you’ll require services. Determine regardless of whether you may even need long distance packages. Most most likely you will need some sort of long distance plan. long distance calling is generally a necessity for a lot of firms.Consider the security of your phone lines too. That is necessary should you handle further sensitive info. This helps stop unauthorized calls as well as ensuring private communication. You will rest assured that your business can go on devoid of interference.

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Social Security Disability Roles of Medical Experts

The Social Security Administration (SSA) administers two programs that provide benefits based on disability: the Social Security disability insurance program (title II of the Social Security Act (the Act) and the supplemental security income (SSI) program (title XVI of the Act).
Title II provides for payment of disability benefits to individuals who are “insured” under the Act by virtue of their contributions to the Social Security trust fund through the Social Security tax on their earnings, as well as to certain disabled dependents of insured individuals. Title XVI provides for SSI payments to individuals (including children under age 18) who are disabled and have limited income and resources.The Act and SSA’s implementing regulations prescribe rules for deciding if an individual is “disabled.” SSA’s criteria for deciding if someone is disabled are not necessarily the same as the criteria applied in other Government and private disability programs.Definition of DisabilityFor all individuals applying for disability benefits under title II, and for adults applying under title XVI, the definition of disability is the same. The law defines disability as the inability to engage in any substantial gainful activity (SGA) by reason of any medically determinable physical or mental impairment(s) which can be expected to result in death or which has lasted or can be expected to last for a continuous period of not less than 12 months.Disability in ChildrenUnder title XVI, a child under age 18 will be considered disabled if he or she has a medically determinable physical or mental impairment or combination of impairments that causes marked and severe functional limitations, and that can be expected to cause death or that has lasted or can be expected to last for a continuous period of not less than 12 months.What is a “Medically Determinable Impairment”A medically determinable physical or mental impairment is an impairment that results from anatomical, physiological, or psychological abnormalities, which can be shown by medically acceptable clinical and laboratory diagnostic techniques. A physical or mental impairment must be established by medical evidence consisting of signs, symptoms, and laboratory findings – not only by the individual’s statement of symptoms.The Disability Determination ProcessMost disability claims are initially processed through a network of local Social Security field offices and State agencies (usually called disability determination services or DDSs). Subsequent appeals of unfavorable determinations may be decided in the DDSs or by administrative law judges in SSA’s Office of Hearings and Appeals (OHA).Social Security Field OfficesSSA representatives in the field offices usually obtain applications for disability benefits, either in person, by telephone, or by mail. The application and related forms ask for a description of the claimant’s impairment(s), names, addresses, and telephone numbers of treatment sources, and other information that relates to the alleged disability. (The “claimant” is the person who is requesting disability benefits.)The field office is responsible for verifying non-medical eligibility requirements, which may include age, employment, marital status, or Social Security coverage information. The field office sends the case to a DDS for evaluation of disability.Disability Determination ServicesThe DDSs, which are fully funded by the Federal Government, are State agencies responsible for developing medical evidence and rendering the initial determination on whether the claimant is or is not disabled or blind under the law.Usually, the DDS tries to obtain evidence from the claimant’s own medical sources first. If that evidence is unavailable or insufficient to make a determination, the DDS will arrange for a CE in order to obtain the additional information needed. The claimant’s treating source is the preferred source for the CE; however, the DDS may also obtain the CE from an independent source. (See Part III for more information about CEs.)After completing its initial development, the DDS makes the disability determination. The determination is made by a two-person adjudicative team consisting of a medical or psychological consultant (who is a physician or psychologist) and a disability examiner. If the adjudicative team finds that additional evidence is still needed, the consultant or examiner may recontact a medical source (s) and ask for supplemental information.The DDS also makes a determination whether the claimant is a candidate for vocational rehabilitation (VR). If so, the DDS makes a referral to the State VR agency.After the DDS makes the disability determination, it returns the case to the field office for appropriate action depending on whether the claim is allowed or denied. If the DDS finds the claimant disabled, SSA will complete any outstanding non-disability development, compute the benefit amount, and begin paying benefits. If the claimant is found not disabled, the file is retained in the field office in case the claimant decides to appeal the determination.If the claimant files an appeal of an initial unfavorable determination, the appeal is usually handled much the same as the initial claim, except that the disability determination is made by a different adjudicative team in the DDS than the one that handled the original case.Office of Hearings and AppealsClaimants dissatisfied with the first appeal of a determination may file subsequent appeals. A hearing office within the Office of Hearings and Appeals (OHA) processes the second appeal. An administrative law judge makes the second appeal decision, usually after conducting a hearing and receiving any additional evidence from the claimant’s medical sources or other sources.Medical development by OHA is frequently conducted through the DDS. However, hearing offices may also contact medical sources directly. In rare circumstances, an administrative law judge may issue a subpoena requiring production of evidence or testimony at a hearing.The Role of the Health ProfessionalHealth professionals play a vital role in the disability determination process and participate in the process in a variety of ways:As treating sources or other medical sources who provide medical evidence on behalf of their patients;As CE sources to perform, for a fee, examinations and/or tests that are needed;As full-time or part-time medical or psychological consultants reviewing claims in a DDS, in one of SSA’s regional offices, or in SSA central office; orAs medical experts who testify at administrative law judge hearings.
Treating SourcesA treating source is a claimant’s own physician, psychologist, or other acceptable medical source that has provided the claimant with medical treatment or evaluation and has or has had an ongoing treatment relationship with the claimant. The treating source is usually the best source of medical evidence about the nature and severity of an individual’s impairment (s).If an additional examination or testing is needed, SSA usually considers a treating source to be the preferred source for performing the examination or test for his or her own patient.The treating source is neither asked nor expected to make a decision whether the claimant is disabled. However, a treating source will usually be asked to provide a statement about the claimant’s ability, despite his or her impairments, to do work-related physical or mental activities.Program Medical ProfessionalsPhysicians of virtually all specialties and psychologists at the State, regional or national levels review claims for disability benefits. The review work is performed in the State DDSs or SSA’s regional office or headquarters. It is strictly a paper review in which the program physician or psychologist usually has no contact with the claimant.Medical ExpertsBecause there is no direct involvement of medical professionals in the disability decisions made by administrative law judges in the Office of Hearings and Appeals, administrative law judges sometimes request expert testimony on complex medical issues. Each hearing office maintains a roster of medical experts who are called to testify as expert witnesses at hearings. The experts are paid a fee for their services.Confidentiality of RecordsTwo separate laws, the Freedom of Information Act and the Privacy Act, have special significance for Federal agencies. Under the Freedom of Information Act, Federal agencies are required to provide the public with access to their files and records. This means the public has the right, with certain exceptions, to examine records pertaining to the functions, procedures, final opinions, and policy of these Federal agencies.The Privacy Act permits an individual or his or her authorized representative to examine records pertaining to him or her in a Federal agency. For disability applicants, this means that an individual may request to see the medical or other evidence used to evaluate his or her application for disability benefits under the Social Security or the SSI programs. (This evidence, however, is not available to the general public.)SSA screens all requests to see medical evidence in a claim file to determine if release of the evidence directly to the individual might have an adverse effect on that individual. If so, the report will be released only to an authorized representative designated by the individual.

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How To Trace Email Address Sender Data

A track email query could come about through a variety of reasons. Maybe you received an anonymous message from someone which happens to be of a vicious nature and you’d like to trace who it was from. Or perhaps you were given some irritating fraud messages that you’d like to be able to eliminate once and for all. Every once in awhile it could in fact be for a nice purpose, for example searching for an estranged member of the family or a long lost buddy. Whatever the reason may be, this write-up is going to talk about how and where you can reverse search email user information by going online easily and quickly.To reverse search email address details like name, home address and phone number you just need the true email address from the email sender. The online search email address finder application does the job by working with IP address records as well as utilizing tracking crawlers to trawl the net along with relative servers within the U.S. This data is held in a large database where it can easily be searched in a matter of seconds to rapidly find any email to its original user. There’s a good deal of publicly available data stored in regards to almost every email. Folks that use their email to register for sites such as YouTube as well as other social networks websites leave a lot of tiny crumbs which can easily be traced. These find email address tactics work for all types of email accounts like hotmail, googlemail and aol mail in addition to personally managed emails using your own domain name.To lookup email information is achieved so much easier simply because of the application of IP address records. IP address information is gathered and held by the vast majority of websites and servers each time anybody visits, signs up or logs in to a website. An IP address is a virtual location which usually refers to a particular place. It’s not only possible to find email details using an IP address, you can actually be tracked to your street address using an IP address. Net service providers assign IP addresses with all net connections, both hard line and mobile or portable cable connections. Everytime you use any email account via any specific IP address the website, internet server and email client record this information so that it can all be tracked. You can possibly now see how quick it could be to reverse search email address owner records when you can access this information. Unfortunately, many of us probably won’t have enough knowledge to do this because normal folks like you and me don’t have these types of details stored anywhere. It is equally unlikely that one could get access to these records also. Thankfully you can quite easily make use of an internet based trace email address tool to do this on your behalf. There are a small number of effective reverse search email address tools out there that continually save these records for you tp utilize.Some people end up getting quite concerned once they find out how easy it really is to find email address details back to any websites you have visited, spots you have been to plus your own private social networking and websites. The truth of the matter is that everything you do online can be followed and checked, so be careful!

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Where in the World Is Your Finance Penetration?

Way back in 1971, C.P. Snow wrote about technology in the New York Times. He said, “Technology… is a queer thing. It brings you great gifts with one hand, and it stabs you in the back with the other.”Many dealers are voicing that sentiment these days. Far too few have done anything about it. Some have learned to use computer software with skill. They use the apps on iPhones, iPads, and Blackberries. They have created an effective Web site. They use Facebook and Twitter and LinkedIn for social networking. For others, these are merely words and technologies that test their ability to conduct both business and their private lives. Dealers, already feeling the brunt of the two-plus year recession and massive changes in the car industry, are becoming increasingly concerned about their ability to not only keep up, but to even remain in the playing field.Why should dealers bother with such things? Isn’t the old way good enough? Nope!Customers who always shopped on the lot are now shopping on the Internet before they take a step toward a dealership. They’ve researched every model in their price range and with the features they want. They’ve read a dozen articles about how to get the best deal. They’ve become more savvy than many sales people hired by dealerships; they know their credit score; they know where they can find the best price on insurance, window tinting, undercoating, you name it. Everything once sold to them by a finance officer from the menu is for sale on the Internet.Are you one of the dealerships where handwringing has become a daily pastime? Have you taken a close look at your bottom line? Have you noticed what would happen to your finance portfolio if you removed your sub-vent rated and nonprime customers? Have the numbers of your prime-financing customers dwindled to an all-time low? Perhaps you haven’t seen the drop in your captive financing yet, but beware, it’s coming just as surely as the first snowstorm.Snow was right, back in 1971! The Internet can either become a beacon for drawing in more satisfied customers to your dealership and vastly increase your bottom line, or it can stab you in the back. It can be your best friend or your worst enemy. How?Statistics show that 80% of car customers go online before they make the decision to buy and before they come to your dealership. What are they researching? Brands, models, features and, most of all, prices. Most of all, prices. The majority of Americans in today’s economy are deeply concerned about their budget. They have a fixed amount to spend on a car payment and all the other expenses involved in owning it. The vehicle they choose must fit within that fixed figure. They cannot afford to buy on whim or to make a careless mistake. They won’t take the chance of being bamboozled into buying things they don’t want, don’t need, and can’t afford by a fast-talking sales or finance mangerWhere do these savvy customers get their information? One of their first sources is Edmunds, the friendly consumer-shopping guide. Edmunds has never been and still isn’t the dealer’s friend. Edmunds does whatever is necessary to achieve the sale on vehicles and products from the Internet shopper… and then refers these buyer to specific retailers to obtain a fee! Banks. Finance companies. Insurance companies. You name it.Don’t let them get a strangle hold on your customers! If you haven’t already checked this article on Edmunds.com, perhaps you should do so right now!Confessions of an Auto Finance Manager In the Back Rooms of America’s Car Dealerships By Philip Reed, Senior Consumer Advice Editor and Nick JamesIntroduction”Congratulations, you’re getting a great deal!” the car salesman says, pumping your hand. “Let’s sign the paperwork and you’ll be on your way in your new car!”At first you’re relieved – the negotiating is over. But then the salesman walks you down a back hallway to a stark, cramped office with “Finance and Insurance” on the door. Inside, a man in a suit sits behind the desk. He greets you with a faint smile on his face. An hour later you walk out in a daze: The whole deal was reworked, your monthly payment soared and you bought products you didn’t really want.What happened to your great deal?You just got hit by the “F&I Man,” also called the finance officer. He waits in the back of every dealership for unsuspecting customers so he can increase the profit for the dealership and boost his commission.In this four-part series, written by veteran auto finance manager Nick James, you will learn the F&I man’s tricks and how to avoid them. When you’re done, you’ll be ready to safely navigate this crucial part of the car buying process, and the F&I man will never work his “magic” on you again.- The Editors at Edmunds.comAre you still ushering your customers into the office of your “F&I Man”? No? You have a Web site? You update it once a month? You have a tech-savvy employee who checks your e-mail messages every morning? BUT… how would you answer these questions?When your potential customers come to your Web site, what resources do you have available to steer them away from online financing? Do you have a quick reference guide for their buying the vehicle that fits their budget and your financing terms? Is the information presented in a complete, forthright and friendly manner? Does it enlist confidence and trust? Will readers feel they’d get a no-nonsense financing deal from you?If these online customers make a call to ask a few questions, does your finance manager answer them, or resort to the former game of “I can only reveal those options when you come in for an interview”? Does he or she become discouraged by the process of reviewing transactions over the phone? Does your Internet manager have direct access to your finance manager at all times; avoid posting rates and product pricing on your Web site; work well with your sales and finance departments? Have you utilized the I-chat technology now readily available to instantly answer your customers’ finance questions? How many phone calls to your finance department go unanswered on a daily basis? How are online customer calls being handled in your F&I office?Reducing your finance penetration will not only effect the overall performance of your dealership, but will negatively effective your reinsurance investment. If your customers are financing with someone else, they could also be buying their other products. Take a long and serious look at the insurance products you sell, the agent who works with you, and the changes that must be made to keep you competitive with the technology available to all your customers. You must remain competitive in products offered, their quality, and their prices. Should you be considering a new partner?What new and creative processes are you providing your current and potential customers within your Web site? Have you considered presenting your menu as a virtual finance manager? Do you have WebEx with a preloaded menu available for review with your customers whether they are onsite in your finance office or sitting in the comfort of their home? Why not?An upfront sales approach is the best way to reestablish a thriving business in today’s technological world. Teenagers and college students are facile in the use of every conceivable tool involving the information highway. They are your future customers. They will find Edmunds and every comparable site and use the information to their advantage. Provide them with a dozen reasons to buy their vehicle and products from your dealership. Ensure them that financing their dream car with you is the only sensible choice.Although computer use and Internet technology has been around for several decades, it has taken a giant leap in recent years as more and more consumers realize they can save themselves time and money by letting their fingers do the walking. Another great American journalist, Sydney J. Harris, who wrote for the Chicago Daily News and later the Chicago Sun-Times, died in the late 80s; but, he was savvy about where technology would take us. He said, “The real danger is not that computers will begin to think like men, but that men will begin to think like computers.”We’ve reached that point. Where in the world is your finance penetration? It’s time to find out! Do it… today.

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