How to Choose VoIP Service Without Losing Your Shirt

Voip.

Just mentioning the word to yourself either brings up images of walking in a new city where the grass is greener, or it brings up fear of the unknown. Some will tread carefully around the subject, waiting to hear others opinions about a specific service and some may charge fearlessly into a service that they know little about. Which way is the right way to choose a VoIP service? I say neither.

Is there a safe way to choose a VoIP service? You bet there is, but it does take some work and careful research to make sure that you don't get stuck with something you cannot use or worse yet, be forced into a scenario in which your telephone communications is impaired.

There are 3 general steps to choosing Broadband Phone service. They are:

1.Qualify Yourself
2.Qualify a specific Provider, and
3.Research the provider.

1.Qualify Yourself
Ask yourself "why do I want voip?" Is it because you want to save money? are you attracted to voip by all of the features that it offers? Maybe you're sick of your local telephone company. Whatever the reason, make sure that the benefits are better than what you're already getting now. For instance, you might want to save money on long distance with a voip provider but don't want to give up your old phone number. In this case you would have to ask yourself whether it would be acceptable to lose your old phone number to save a few extra dollars. These days, most providers (but not all) will allow you to keep your old phone number. Do you have a secondary means of communication such as a cell phone?

When your internet connection goes down, so does your voip line. That means that if a large storm knocks out power to your house, then your internet connection will also most likely be down. Another thing to consider when qualifying yourself for voip service is that 911 service is not as robust as a land line service would be. You may have to give the dispatcher your name and address. The good news is that the larger providers are working with the dispatchers to provide 911 service that is just as robust as 911 on a land line.

Last but not least you must make sure that your your internet connection is suitable for voip. Sorry 56k'ers but dialup just isn't gonna cut it for voip. If you do have a broadband connection, head on down to http://www.testyourvoip.com and do a quick test.

2.Qualify a Specific Provider
Your voip provider means everything when it comes to reliability and sound quality. You should choose a provider that has the features that you need (call waiting, 3 way calling, extra lines, distinctive ring, etc.). One thing to definitely look into is the 911 service that's offered and don't be afraid to ask lots of questions to the customer service department of the prospective provider. Number portability (if you need to keep your old number) is something else to be looked into. The rates should be competitive and don't forget to look at international rates if you do any international calling. The most important thing to look for in a voip provider is a money back guarantee. If there is no money back guarantee, then pass on that provider; just about all voip companies have a guarantee.

3.Research the provider
Just because everything looks OK from a customer service angle, the service is cheap , and does what you need it to does not necessarily make it a good service. What does make a service good is if they have happy customers. The best way to do this would be to search the better business bureau for complaints against the company, search google with something like reviews, complaints, opinions, etc. A great place to get real world opinions on voip service is at the forums at http://broadbandreports.com.

Choosing the right voip service can be a bit of work, but it will pay off big time in the end. You'll have service instead of headaches, clear calls instead of garbled gobbledygook.

Jason Stewart is a programmer, Unix Administrator, PBX Administrator and webmaster of http://www.voip-university.com. For more articles like this and for time and money saving voip tips go to http://www.voip-university.com

Improving Your Spiritual Life (for Christians)

70% of people who send me feedback at http://www.insideoutmusic.net tell me they want to improve their spiritual lives. I'm really excited that they want to do that. In fact if you're reading this, you probably want to do it as well. If you're like many of the people I've talked to you've probably been spoon fed clich?s until your ears bleed. "Just pray, let go and let God, spend more time in the Word..." You know the drill.

For some reason the clich?'s don't cut it. You're struggling with envy, hurt, anger, pornography, power, or just feel a complete phoney in your Christian life. Maybe you secretly fear you've committed the unforgivable sin, or that you're really going to hell and there's nothing you can do about it.

You're afraid to talk to your minister or Christian friends because you fear they will judge you. Maybe you have talked to them and they did condemn you. That will not happen to you here. I want to lay out for you very briefly the sort of things you need to do to improve your walk with the Lord. God loves you, and wants to change your life. If you are reading this now, it is clear evidence that the Spirit is working in your heart, because you want to change, and I know you can. So let's roll.

Christian Gratitude

It is easy to get depressed over what's wrong with your Christian life. While there's nothing wrong with concern over sin, forgetting God's love is an even greater sin. Before you take inventory of your faults, make sure you start your blessings list. Remembering what God has done in your life, and in Christ is the foundation for real change.

Knowledge is the power to change

You want to change, and you need to change, but how? Romans 12 says we are transformed by the renewing of our mind. Christianity is a lot more than head knowledge, but real faith involves your head. You need to know :

* Yourself - who are you? What has God called you to be?

* The Bible - you need to know what He says about your life and how to live it.

* Your desires - you need to know your deepest desires, because they will either lead you to, or away from God.

* Your thoughts - what's really going on between your ears?

* You need honest perspective. You need to know what other Christians think. We find it hard to discuss what's really going on inside, but when we do, we discover we all have deep, dark secrets.

Holy Habits The heart of spiritual self development

One of the biggest weaknesses in the 21st Century is a fear of discipline. We somehow feel that discipline and habits are the enemy of spontaneity and authenticity. But if you ask any successful person in ANY field, including faith, you will find deeply ingrained habits built from a lifetime of hard work and discipline. Habits of prayer, fasting, planned Bible reading, church, fellowship, time out for retreats and renewal, all form part of a balanced Christian life. If that's all there is, our faith is just an empty shell, but without them we will be weak and vulnerable.

Lord knows you've got to change

We mentioned above how we are changed by renewing our minds, but what is it about our minds we need to change? We need to understand what forces shape our behaviour and thinking. We are responsive beings. We respond to the environment around us and make choices. Everything we do reflects a choice we make. We may not be consciously aware, but it's true. I might feel powerless to walk away from the chocolate cake, but in between seeing it, and eating it, something happened in my brain. I said things to myself. "It wont hurt to have a little." "It's pointless trying, I've failed so many times before". "I'll start again tomorrow".

We need to notice the thoughts that ultimately lead to us making choices we don't want to make. We need to replace those unhelpful thoughts with a new program - one that leads us in the way we want to go. It might be a Bible verse. It might be an affirmation. It may be a quote from Dr Phil! It doesn't matter as long as it's true and it helps.

We need a plan to move from where we are now, to where we want to be. We need to ask ourselves:

* How important is this change to me?

* What will I gain from making the change?

* How confident am I that I can make the change?

* How will this change improve my Christian life?

We are wise to start with changes that we really want, that are important, and that we feel able to change. This works for most people. However there are adrenalin junkie types who find it better to bite of a big challenge first, just to prove they can do it.

Changing behaviour, particularly lifelong bad habits is hard, and usually needs expert help. Whether it's a Christian Life Coach, a therapist, a counsellor or pastor. It's not the title that's important, but the skill. If you're thinking about paying someone for professional help, be sure to ask them what sort of experience they've had, and what sort of results they get.

Support

One of the big myths of modern life is that we can do it alone. Whether it's pride or fear, going it alone is a recipe for disaster. No matter how many self development books you have, you need personal help. Weak as they were, Jesus had his disciples. Aaron was the first Life Coach in the Bible. He advised Moses to get some help. We all need help, such as:

* Mentors to guide, teach and encourage us.

* Creating a physical and emotional environment that helps rather than gets in the way.

* Accountability, whether it's a spouse, a Christian friend, minister or coach. We need someone who will ask us the tough questions, and with whom we can share the deep, dark secrets without fear or favour.

* A church that inspires and helps us.

* If your church is large, you'll also need a small group of people who you can get to know and share fellowship on a more intimate basis.

There is no need to go it alone. Even if you can't find what you need locally, the fact you are reading this on the Internet is proof that there's a whole world out there that can offer support. All you have to do is ask.

Three Quality Qualities

I have found three qualities that are essential in Christian living. They cannot be separated. They are grace, patience and trust.

We need to be absolutely assured that God really does love us, and that his love does not depend on our performance. As Phillip Yancey says "there is nothing we can do to make God love us more, and nothing we can do will male Him love us less". Do you really understand that deep in your heart and mind?

We need patience to allow God time to work in us. When we read Bible stories, we often condense time down to a 30 minute TV episode. The reality is that major changes in people and nations took place over years, and sometimes centuries. God slowly, but surely worked His purpose out. We need to be patient with ourselves, and with others. That's what grace is about.

Patience leads us to trust. If we know God's grace, and are patient with Him, we can truly trust that all things, including our failures and dark secrets, are part of His plan to make us like Him. This relieves a great burden of guilt.

So friend, this is a very brief introduction to what's involved in making a positive change in your spiritual life. You need to start with an attitude of gratitude. You need to be honest with God, yourself and others. You need support, and you need a plan.

A free tool

If you need a hand, I suggest you use the Spiritual Life Assessment. It will help you to honestly face your dark secrets, and begin the journey to real change that lasts. If you want help from us, you simply have to ask.

Till then - God loves you and has a wonderful plan for your life.

Ken Davis is a songwriter, Life Coach and music producer who also sings badly. He has been involved in music ministry since 1977 and currently serves in the music ministry at Dapto Anglican Church in Australia. You can get plenty of Christian Living resources at http://www.insideoutmusic.net including free sheet music, MIDI files and training materials.

The Basic Secrets of A Million Dollar Sales Letter

"Accepting the consequences, good or bad, will free you; take a risk, but be aware that things sometimes turn out differently than you expected." -Marcia Wieder

No matter what you try to sell, you really won't sell anything without getting a prospective buyer to purchase your product or service. In attempting to sell your merchandise or services, the sales letter you send out is when and how you talk to your prospect.

All winning sales letters speak to your prospect by creating an image in the mind of the reader. They set the scene by appealing to a desire or need, then flows smoothly into the visionary part of the sales presentation. This visionary process describes in detail how wonderful life will be and how good the prospect is going to feel after the product is purchased or the service has been performed. This is the heart, soul, and secret of a million dollar sales letter. In your sales letter and your marketing campaigns, give your prospect a clear vision of the benefits they will receive or take away from what you are offering.

For this to happen, your winning sales letter must follow a time-tested and proven formula known by the acronym AIDA:

A - You must get your prospect's Attention.

I - Give your prospect an Interest in what you can do for her.

D - Create a Desire for the benefits you're offering.

A - Request some Action from your prospect.

The Attention for your offer first comes from your headline. If it's not compelling or a heart-stopping attention getter, work a little harder to make it so. Look at other advertisements that have made you stop and take a second look at what was offered. Then come up with a better one of your own that fits your offer. A powerful headline is 80% of the success or failure of your sales letters and promotions.

When your headline expresses your unique positioning statement -- the million dollar phrase that captures in just a few words the "essence" of what you have to offer and how it will benefit a customer. A compelling headline can go the extra distance as an opening line for your sales letter and goes a long way towards establishing your "brand."

Is the offer of Interest to your potential customer? What makes your product or service distinctive from your competition? Why would a prospect buy your product or use your service over another's? Make the image of your product important. Whatever you offer should have the power to stay in the marketplace a long time. Just because life changes so rapidly, your product and/or service doesn't have to conform. Potential customers need to know you'll be there when they are ready to purchase your product or service.

How can you make your product or service Desirable? This is where the benefits are highlighted. Will it make the prospect feel more healthy? Save money? Lose more pounds ? Will it make them look more beautiful? Find ways to communicate the benefits to your potential customers. Use words that are powerful and irresistible like: magic, caring, power, richer happier, abundance, appealing, and enticing.

After announcing or promoting your offer, what is the result or, what type of Action do you wish your prospect to take? Be clear on your directions. Do you want them to request additional information, by telephone? By email? Must she mail a check? Call for further details? Or, just give an opinion?

Working the above AIDA formula into each of your sales letters and business marketing campaigns will determine the success of your business. And putting passion, purpose, and truthfulness into each sales message will work wonders - and bring you success.

Copyright, 2004

Gerri D Smith is publisher and host of multiple Gateways to inspiration, motivation, and support for individuals, women business owners, and entrepreneurs. Gerri's internet resource offers ways to unlock the doors to your personal and business empowerment. Now is a perfect time to own your own business and discover some of the best ways to market a product. One is by letting your customers see it before they buy it. This concept is a sharing of information and is made available by the Internet. Best of all it's delivered right to your email doorstep. Why not invest in your future, now. To help you reach more of your personal and business goals, subscribe to Gerri's Free bi-monthly inspirational newsletter.

Visit: http://www.distinctivebusinesswomen.com Or, send a blank email and your correct email address and mailto: gerri@distinctivebusinesswomen.com?Subject=EZ-Scribe

Sending Samples With Your Press Release-- should you or shouldnt you? Heres a guide?

When you should send samples with your press release:

1) When the item is very low cost: If the press release you're sending is about a product that is under $10.00, you may want to consider sending a sample of the product to the editors. Since the item is low cost, it makes sense to send a sample. Sending a sample can help improve your chances for getting some free publicity for your company.

2) When it is a major publication: Another good time to consider sending a product sample is when you're dealing with a major publication. If the publication has a wide distribution you may want to consider sending them a sample. When it comes to getting publicity in the top magazines, it is a good rule of thumb to consider sending them a product sample. After all, if they decide to run the release on your product, all it costs you was one product sample.

3) The editor needs a sample for their photography studio: Many times the editors for larger publications will have their own in-house photography studio and will want a sample to photograph at their facilities. In this case by all means send them a sample as soon as possible.

When you shouldn't send samples with your press release

1) When editors say they want to see a sample of the product but they are still on the fence about publishing your press release: Under these circumstances I would say hold off on sending a sample. You could always send them a high resolution image of the product as an alternative.

2) When you send out to multiple publications that have low visibility: If the magazine has a lower distribution I would not send a product sample. It can be too expensive to start sending out product samples to every magazine and newspaper that makes a request. Instead opt for sending them a brochure of the product or mail them a CD with the high resolution image as an alternative.

3) The item's cost prohibits sending out as a sample: If the product costs is over $20.00 I would advise only sending a product sample to the magazines with the highest distribution. Again, you may get lots of request for product samples from the editors and you might want to consider letting the editors know that because the item costs are so high, you would prefer to send just the high resolution image of the product. Also, when you send a high resolution image of the product make sure to take multiple shots of the item. Show the product from the different sides or if there are multiple pieces make sure to take pictures of all the various elements of the product.

About the author:

Dianne Beiermann is a results-driven internet marketer and online business owner. Dianne Beiermann is one of the leading experts in press release marketing for online businesses. Productpressrelease.com specializes in assisting individuals and businesses with obtaining free publicity for their products and website. You can visit their site at http://www.productpressrelease.com or call 1-800-371-3945.

Power Foods for a Powerful School Lunch

There isn't a school day that goes by that I worry about my son's lunch. Of course, I ask myself the usual questions: Is he eating what he has in the bag? Will he trade his apple for a cookie? Will the school lunch he's ordering once a week be nutritious? He's a kid! He's not a fussy eater, but there are plenty of days that he has come home with a bag full of food. I'll ask him "what did you eat for lunch?" He always says, "nothing." What's a parent to do?

Plenty of Mom's worry about what to feed their kids for lunch. They always ask me which foods are the best to pack. I believe there's no such thing as a good or bad food. Remember, the food police aren't arresting anyone at Ben and Jerry's. Some foods are much more nutritious than others. The key to feeding your child well is to offer variety and make sure to include fruits and vegetables. Unfortunately, 90% of Americans don't eat the recommended five or more servings of antioxidant-rich and nutritious fruits and vegetables daily. Kids eat even less. While supplementation may guarantee you get enough Vitamin C and Beta Carotene, it's not a substitution for all the thousands of healthful nutrients found in fruits and vegetables that you can't get in a pill. You want your kids to grow up healthy and strong. Here are some winners that will compliment any school lunch and help make your fruit and vegetable choices count.

Broccoli: Here's an all American winner, as if you didn't already know! Broccoli is chock full of vitamins, fiber, and minerals. It taste great, too. Broccoli is high is Vitamin C and carotenoids. These are antioxidants that help boost our immunity and protect our body from environmental insults like cigarette smoke and pollution. The two types of fiber in broccoli , soluble and insoluble, help lower cholesterol, fight cancer, and keep our digestive systems in tip-top shape. Broccoli also contains indoles and isothiocyantes that help decrease estrogen's effectiveness and protects our cell's DNA (the building blocks of genetics and reproduction). It's also an excellent source of folic acid-a B vitamin that seem to be critical for cardiovascular health. Not bad for being green!

Kids either love it or hate it. Here are some ideas to help you kids eat more of the green stuff. Broccoli tastes best if it's blanched first, cooked in boiling water or steamed for 3 to 4 minutes. Stop the cooking with an ice bath if you want to eat it cold. Marinate it in your favorite light Italian dressing and place it in a zip lock bag for lots of flavor. Substitute broccoli for half the cabbage in your favorite coleslaw recipe and add to a sandwich instead of lettuce and tomato. Don't throw away the stalks.

Carrots: If this vegetable was marketed for its benefits, I bet it would sell for $20 per pound! Carrots have over 200 carotenoids, one of which is beta carotene. Scientists aren't sure which caroteniod is responsible for protecting us from cancer. Since beta carotene provided such disappointing results in recent research, I'll keep eating carrots and skip the beta carotene. Carrots also contain phenolic acid, a phytochemical that may reduce the risk of cancer.

A great way to get your kids to start eating carrots is top his/her favorite sandwiches with shredded carrots along with lettuce and tomato. Kids will enjoy a bag of baby carrots (they are large carrots cut into small bite-sized pieces) with some low fat dressing on the side for dipping. Even try it shredded on a peanut butter and jelly sandwich if your kids won't eat their vegetables.

Beans: Most kids won't eat beans, "I don't like them." "They taste yucky." My son loves black beans, soybeans and chickpeas. There are so many different types of beans all with a different texture and flavor. Don't give up on your first try. Beans are a great way to add a powerful nutritious punch to any meal. A large portion of the world population depends on beans to provide them with nutrition. People of the orient uses soybeans, Americans use peas, Mediterranean and Middle Eastern countries depend on chickpeas and lentils, Africans uses a combination of beans. Beans have the highest source of fiber for a whole food. They also are loaded with cancer-fighting phytochemicals like genistein and flavones. Soybeans have the most impressive list of plant chemicals to help fight, cancer, and high blood pressure, and menopausal symptoms. Add to its long list of benefits its ability to lower blood cholesterol and you have a winner. Use canned beans if you're in a rush. Open a can of chickpeas, chop up an onion and some red pepper (if your child doesn't like them, you can always substitute another bean and vegetable until they are happy), toss in your favorite salad dressing and let it marinate overnight. Let your child spread black beans or prepared humus (a chickpea spread) on a flour tortilla. When at home, add cheese and chopped onion and cilantro, heat it in the toaster oven or microwave and have a side of salsa with carrot sticks for a delicious and well rounded lunch.

Apricots, Melon, and Papaya: All these fruits are loaded with nutrients. They're high in Vitamin C and mixed carotenoids, potasium and have lots of fiber. Papaya has enzymes that help digestion and break down protein. Some of these enzymes have anti-inflammatory qualities. All of these fruits are great as snack foods in a lunch bag. Whether dried or fresh, these fruits taste great solo or with other foods. Combine dried apricots and toasted almonds for a tasty snack.

Spinach: Here's another vegetable with abundant amounts of beta carotene and potassium. Most kids say they don't like spinach probably because it's cooked incorrectly. Spinach tastes best if cooked when young and tender. Older spinach tends to be woody and tough. Don't use aluminum cookware. The spinach will pick up an acidic taste and lose its beautiful green color. Don't overcook spinach. It gets waterlogged easily and is probably the reason why many don't like it. Use it on sandwiches with lettuce and tomato.

Herbs and Spices and Tea: Don't to forget to spice up your kid's life with garlic, turmeric, ginger, rosemary and green and black tea. Many parents think kids don't like spices. It's true their taste buds are more sensitive to hot and spicy foods. But, if you don't introduce these flavors at an early age, your children won't learn to like them. These additions to your children's diet will provide antioxidants such as curcumin, lycopene, allicin, and flavonoids. They taste great and may be the hidden ingredients that provide protection from cancer, heart disease, and high blood pressure. Use lightly sweetened green tea mixed with juice for a great tasting thirst-quencher.

Next time you question whether your children's lunch is packing enough nutrition, try these easy ways to add more fruits and vegetables. You'd be surprised how easy it is to fee your children power foods for a powerful body!

About The Author

Evan L. Mestman is the owner of www.roundyourplate.com, the home of the Pleasure Principle Weight Loss Plan. Lose Weight, With Pleasure!

info@roundyourplate.com

Motorola RAZR V3 Camera Phone

Months before my current cell phone plan expires, I like to begin diligently researching my options by checking out all the plans and models out there. The Motorola RAZR V3 Camera Phone has caught my attention as it has features currently not found on my Samsung device and at a price that can't be beat. Please stay with me as I explain what I have learned about the RAZR V3.

The RAZR V3 gets it name from its unique size. If you were to "buy a vowel" you would understand that RAZOR stands for razor thin. It has to be one of the flattest phones I have ever seen! The shell of this device is made of anodized aluminum, giving it a solid, almost "pricey" feel to it. In addition, important features of the unit include:

A digital camera with 4x zoom and quick exposure controls

MPEG Video 4 Playback; you'll like the screen as it is 2.2" in size!

A built-in speaker phone

You also get some nice "extras" with the RAZR V3 including:

MP3 ringtones

Video download

Quick messaging

5MB internal memory

Extensive email support

This "small wonder" weighs just 3.35 oz. and is roughly 3" x 2" in size. It is simply amazing all that Motorola can stuff into a unit so tiny!

Happily, I have found out that my current cell phone provider, Cingular Wireless, is offering the phone. I have been satisfied with Cingular's service ? very few dropped calls, lots of subscribers now that AT&T has been brought into the fold ? so that saves me the trouble of switching. Even better is a recent offer to make the Motorola RAZR V3 available to subscribers for free after rebates! Sure, you have to sign up for the two-year plan, but in exchange you get a really cool phone. You will need to check with Cingular to see if the offer still stands and if there are any other restrictions in place.

I still have several months left on my current contract but I'll keep the Motorola RAZR V3 camera phone at the top of my list of models. I think you will agree with me that this device has everything that you need in a cell phone and at a price that cannot be beat.

Matt Keegan is The Article Writer who writes on a variety of topics as well as designs and manages websites. You can view his portfolio online: http://www.thearticlewriter.com

A Brief Look at the Origins of Lending

When trying to discover the origins of lending you might find yourself looking at a lot of unrelated information that doesn't really tell you what it is that you want to know.

The origins of lending go back to at least biblical times, with mentions of lending even being mentioned in certain places in the Bible. Even with modern banking and lending, the origins of lending can go back several hundred years? all the way to the Middle Ages and before.

The Middle Ages and the Renaissance are likely the best places to begin looking for information on this subject, as these times were when financial records were beginning to be kept in earnest and lending in its modern form was beginning to truly develop.

Lending in the early Middle Ages

If you look at the early Middle Ages to try to discover the origins of lending, you'll find that loans were often more or less one-sided and always afforded a large benefit to the lender.

Landowners and the wealthy would make loans to poorer individuals while charging high interest rates or making the borrower work to pay off the debt? in many cases, the lender would even increase the terms of the loan once is was nearly repaid so that the borrower would have to continue to make payments or work without pay for the lender.

If a borrower was unable to repay their loan they could even be thrown into a debtor's prison, held without fair trial until someone was able to pay off their debt or other arrangements for their release were made.

Lending during the Renaissance

During the Renaissance and late Middle Ages, the origins of lending began to take a turn more toward what lending is today. Individuals known as moneylenders would ply their trade in market squares and other business and merchant venues, setting up a bench known as a "banca" (from which we get the modern English word, "bank") on which they would conduct their transactions.

Several moneylenders might work in the same area, and the competition tended to reduce some of the extravagant interest rates that were created by landowners and other officials in previous centuries? this didn't, however, mean that the trade of the moneylender was completely fair or righteous.

The moneylenders would still strive to make as much of a profit as they could from borrowers, and might go so far as to falsify their records of payments and transactions so as to scam more money out of the less fortunate or uneducated.

Debtor's prisons were popular, and in some areas were very crowded with people who had barely been getting by in the outside world and had little hope of release.

Lending in the modern world

As time has progressed, so have the methods of making and receiving loans? it's easy to see how far things have come since the early origins of lending.

The predecessors of modern banks developed in conjunction with the Industrial Revolution, and in the decades and centuries that followed most major countries worldwide have abolished most types of unfair lending as well as debtor's prisons.

Interest rates at banks, finance companies, and online lenders are controlled by both local and national factors, and modern lenders strive to provide a valuable service to both the public and businesses by providing reasonable interest rates and definite terms.

Lending has grown from a practice of a few individuals looking for profits to a major industry on which the basis of the modern world is built? an example of how from simple origins can come great things.

You may freely reprint this article provided the following author's biography (including the live URL link) remains intact:

About The Author

John Mussi is the founder of Direct Online Loans who help homeowners find the best available loans via the http://www.directonlineloans.co.uk website.