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    Student Loan Debt Relief - School Loan Consolidation
    In order to relieve some of the financial burden associated with furthering their educations, many students are opting to consolidate their debt at lower rates, and getting a longer period of time to repay. The following paragraphs will answer some commonly asked questions about the subject, as well describe how it can aid in debt relief.What Is Student Loan Consolidation?It is the act of combining your school loans into one in order to help manage your financial burden caused by college or trade school. When you consolidate you will only have one monthly payment to make, which is usually lower than your combined monthly payments of your unconsolidated loans. This is possible because when you consolidate, you are generally offered a longer time period to repay - sometimes up to 30 years. Many consider the lower payment a huge benefit, which it is, but it can also cause you to pay more interest, over a greater length of time, than you would with your combined u
    ossible to run a strap through the flat side of the piano and round both the skid and trolley for secure movement.
    The lid must be then wrapped in suitable blankets or covers.

    With the lid removed, a suitable sized piano shoe is strapped to the left (straight) side of the piece, and then whilst supporting the weight - preferably with a purpose made piano stand, the front left leg and the lyre ( the foot pedal assembly) is removed (in some pneumatic mechanisms you may need to raise and support the left corner by 6 inches in order to drop the lyre). That done, the piece can then be lowered or kneeled over. It is like an elephant kneeling... with the back, and front right leg still in place. Piano shoes are built so that the front left corner - by the keyboard - is protected. This is the corner that will meet the ground first.

    Sometimes a pi

    IRS Has a New Tax Refund, See if You Qualify (2006)
    The Telephone Excise Tax Refund (TETR) is a one-time payment available on your 2006 federal income tax return. It is designed to refund previously collected long distance telephone taxes. Individuals, businesses and tax-exempt organizations are eligible to request it. Over 159 million filers are eligible to request the refund.Individuals taxpayers have a choice, they can take the standard refund amount between $30 to $60 (based upon their exemptions on their 2006 return OR they can locate old bills and use the actual amount.Even if you don't have to file a return, you can still request the refund. Details can be found at the IRS web site.If you are filing a Schedule C, E, or F you may be eligible to use a special formula that reads like this: The refund is capped at 2 percent of the total telephone expenses for businesses and tax-exempt organizations with 250 or fewer employees (this covers over 99 percent of all businesses in America). The refund i
    This piece is written as an aid to training. Amateur movers should regard the information here as reasons not to attempt piano movements. Basic knowledge of lifting techniques may only encourage severe harm to assistants, yourself, and least of all...the piano.

    The piano is not only heavy and unwieldy, but has polished and vulnerable surfaces to protect. Grand pianos have legs which are designed as stands, and they should be jacked up with proper tools - just to be moved across a room. Even upright pianos, which may be very heavy, typically suffer from failed castors. I wonder what percentage of the pianos moved actually do have a full set of working castors?... not many!

    Upright Pianos

    Some are small and light, whilst some, notably older pianos, are like grand pianos sitting upright. The weight and size of upright pianos can vary from less than 200kgs to over 400kgs.

    Every moving job has hurdles: The easiest are turns, steps, and gradients, but these hurdles can become real challenges when staircases - especially with tight turns, are involved. A piano can be easily hauled up stairs with the right equipment. A straight set of stairs can be overcome with no more than a suitable length of plank and good strapping... Heavy slippery plastic sheet can help.

    However often, there will be an inconvenient turn on the stairs, and this may require that the piano is overturned up to 90 degrees onto its side.

    Ideally a piano skid should be used. It is like a sledge to which the piano can be strapped. The skid not only provides a running surface to slide on, but holes through which to attach strapping. A piano at 45 degrees on the stairs offers almost no points to pull up on, but a skid with strapping points at the centre of gravity - in the middle of the skid - can help two men pulling and one pushing beneath , to pull a piano both up the stairs and also to up-angle it to turn a tight corner. When carefully tied tight to the skid with ratchet straps there will be full control and confidence that the piano will not topple backwards.

    When straight stairs are encountered, a skid allows 2 men to do the work of three... A piano will slide up (or down) with ease control and safety... But please note that I built my own skid with slippery nylon runners!

    Grand and Baby Grand Pianos. You will need:
    1) A piano shoe with two blocks,
    A piano shoe is a wooden frame made in various lengths to fit different sizes of piano. It has padding, strap holes and straps to secure it to the piano, and provide a surface to move on.
    2) A piano trolley,
    3) Suitable strapping,
    4) Suitable protective wraps,
    5) A rubber mallet and screwdrivers.

    If you are using a moving truck, it will require room to work inside and a straight wall with good strapping points...Think about the wheel arch covers featured in small vans... and their lack of strapping points.

    Handling requires at least two (very strong) or three good men... and that’s if the going is easy.

    If you are moving a grand or baby grand piano: The piece will have to be lowered flat onto it's long straight side.
    The process may start by removing the lid... If the lid overhangs the straight side of the piano, the piano's weight may tear the lid's screws from their threads. You will also reduce the weight by removing the lid, and make the piece easier to handle. It will also be possible to run a strap through the flat side of the piano and round both the skid and trolley for secure movement.
    The lid must be then wrapped in suitable blankets or covers.

    With the lid removed, a suitable sized piano shoe is strapped to the left (straight) side of the piece, and then whilst supporting the weight - preferably with a purpose made piano stand, the front left leg and the lyre ( the foot pedal assembly) is removed (in some pneumatic mechanisms you may need to raise and support the left corner by 6 inches in order to drop the lyre). That done, the piece can then be lowered or kneeled over. It is like an elephant kneeling... with the back, and front right leg still in place. Piano shoes are built so that the front left corner - by the keyboard - is protected. This is the corner that will meet the ground first.

    Sometimes a pi

    7 Unstoppable, Tested Methods to Build Traffic For Your Website
    You will not believe this, but it can be easy to build a steady amount of traffic for your website. It's not rocket science.Here are some quick ways to build traffic:1) Find webmasters with an interest in your niche who already browses and posts on related forums regularly. Ask the person if he is willing to add an endorsement in his signature to your business. In exchange, you could give him compensation (weekly or monthly) or give him free access to your site.2) Hire someone to find some quality reciprocal linking partners for your business. You can use one of the popular freelancing sites, such as Guru, Elance, or Rentacoder. Make sure the person you select finds sites and secures deals without spamming - and also make sure that the person knows that you want to exchange non-directory links.3) Promote your site to search engines with better on-page optimization. For example, you could start by conducting keyword research for your given niche.
    ary from less than 200kgs to over 400kgs.

    Every moving job has hurdles: The easiest are turns, steps, and gradients, but these hurdles can become real challenges when staircases - especially with tight turns, are involved. A piano can be easily hauled up stairs with the right equipment. A straight set of stairs can be overcome with no more than a suitable length of plank and good strapping... Heavy slippery plastic sheet can help.

    However often, there will be an inconvenient turn on the stairs, and this may require that the piano is overturned up to 90 degrees onto its side.

    Ideally a piano skid should be used. It is like a sledge to which the piano can be strapped. The skid not only provides a running surface to slide on, but holes through which to attach strapping. A piano at 45 degrees on the stairs offers almost no points to pull up on, but a skid with strapping points at the centre of gravity - in the middle of the skid - can help two men pulling and one pushing beneath , to pull a piano both up the stairs and also to up-angle it to turn a tight corner. When carefully tied tight to the skid with ratchet straps there will be full control and confidence that the piano will not topple backwards.

    When straight stairs are encountered, a skid allows 2 men to do the work of three... A piano will slide up (or down) with ease control and safety... But please note that I built my own skid with slippery nylon runners!

    Grand and Baby Grand Pianos. You will need:
    1) A piano shoe with two blocks,
    A piano shoe is a wooden frame made in various lengths to fit different sizes of piano. It has padding, strap holes and straps to secure it to the piano, and provide a surface to move on.
    2) A piano trolley,
    3) Suitable strapping,
    4) Suitable protective wraps,
    5) A rubber mallet and screwdrivers.

    If you are using a moving truck, it will require room to work inside and a straight wall with good strapping points...Think about the wheel arch covers featured in small vans... and their lack of strapping points.

    Handling requires at least two (very strong) or three good men... and that’s if the going is easy.

    If you are moving a grand or baby grand piano: The piece will have to be lowered flat onto it's long straight side.
    The process may start by removing the lid... If the lid overhangs the straight side of the piano, the piano's weight may tear the lid's screws from their threads. You will also reduce the weight by removing the lid, and make the piece easier to handle. It will also be possible to run a strap through the flat side of the piano and round both the skid and trolley for secure movement.
    The lid must be then wrapped in suitable blankets or covers.

    With the lid removed, a suitable sized piano shoe is strapped to the left (straight) side of the piece, and then whilst supporting the weight - preferably with a purpose made piano stand, the front left leg and the lyre ( the foot pedal assembly) is removed (in some pneumatic mechanisms you may need to raise and support the left corner by 6 inches in order to drop the lyre). That done, the piece can then be lowered or kneeled over. It is like an elephant kneeling... with the back, and front right leg still in place. Piano shoes are built so that the front left corner - by the keyboard - is protected. This is the corner that will meet the ground first.

    Sometimes a pi

    Master Resale Rights: 5 Lessons Bill Gates Could Teach You
    Smart Internet marketers know that buying master resale rights is a shortcut to getting products on the market. But did you know that Bill Gates and the Microsoft empire were built from purchasing master resale rights?That's right - the richest man in the world bought the rights to DOS, the operating system that began the Microsoft empire.There are 5 important lessons Bill Gates could teach you about master resale rights.1. Find a hungry market with a burning need and fill it.Bill Gates read about the Altair 8800 computer in Popular Science in 1975. Realizing Altair needed a simple programming language to make the computer popular, Gates sold a version of BASIC to Altair before it was even written. Then Gates worked night and day with Paul Allen and Monte Davidoff to develop it. Microsoft was born.In 1980, IBM created the desktop PC - but they didn't have an operating system. Gates saw a burning need waiting to be filled, and learned
    , but a skid with strapping points at the centre of gravity - in the middle of the skid - can help two men pulling and one pushing beneath , to pull a piano both up the stairs and also to up-angle it to turn a tight corner. When carefully tied tight to the skid with ratchet straps there will be full control and confidence that the piano will not topple backwards.

    When straight stairs are encountered, a skid allows 2 men to do the work of three... A piano will slide up (or down) with ease control and safety... But please note that I built my own skid with slippery nylon runners!

    Grand and Baby Grand Pianos. You will need:
    1) A piano shoe with two blocks,
    A piano shoe is a wooden frame made in various lengths to fit different sizes of piano. It has padding, strap holes and straps to secure it to the piano, and provide a surface to move on.
    2) A piano trolley,
    3) Suitable strapping,
    4) Suitable protective wraps,
    5) A rubber mallet and screwdrivers.

    If you are using a moving truck, it will require room to work inside and a straight wall with good strapping points...Think about the wheel arch covers featured in small vans... and their lack of strapping points.

    Handling requires at least two (very strong) or three good men... and that’s if the going is easy.

    If you are moving a grand or baby grand piano: The piece will have to be lowered flat onto it's long straight side.
    The process may start by removing the lid... If the lid overhangs the straight side of the piano, the piano's weight may tear the lid's screws from their threads. You will also reduce the weight by removing the lid, and make the piece easier to handle. It will also be possible to run a strap through the flat side of the piano and round both the skid and trolley for secure movement.
    The lid must be then wrapped in suitable blankets or covers.

    With the lid removed, a suitable sized piano shoe is strapped to the left (straight) side of the piece, and then whilst supporting the weight - preferably with a purpose made piano stand, the front left leg and the lyre ( the foot pedal assembly) is removed (in some pneumatic mechanisms you may need to raise and support the left corner by 6 inches in order to drop the lyre). That done, the piece can then be lowered or kneeled over. It is like an elephant kneeling... with the back, and front right leg still in place. Piano shoes are built so that the front left corner - by the keyboard - is protected. This is the corner that will meet the ground first.

    Sometimes a pi

    Technology Help Small to Mid Size Companies Achieve Their Financial Goals
    Today, IT solutions are aiding small and mid-sized companies alike, as they compete with Fortune 500 companies for a piece of the pie. We live in an age of fierce competitiveness, fiscal concern, and global turmoil and uncertainty. Companies are working hard to continually improve operational efficiency. Many are looking to IT (information technology) to reduce operating costs and increase efficiency by automating and streamlining existing business processes.Smart companies are achieving their business and financial goals by embracing and making technology work for them. Porcelain Patch is one such small company that has embraced Internet Technology to help improve the bottom line while enhancing customer service. Since 1938, Porcelain Patch and Glaze has prided itself on offering the finest electrostatic painting and porcelain reglazing services to homeowners, office managers and building managers all over New England. Porcelain Patch can point to over a half-cent
    o move on.
    2) A piano trolley,
    3) Suitable strapping,
    4) Suitable protective wraps,
    5) A rubber mallet and screwdrivers.

    If you are using a moving truck, it will require room to work inside and a straight wall with good strapping points...Think about the wheel arch covers featured in small vans... and their lack of strapping points.

    Handling requires at least two (very strong) or three good men... and that’s if the going is easy.

    If you are moving a grand or baby grand piano: The piece will have to be lowered flat onto it's long straight side.
    The process may start by removing the lid... If the lid overhangs the straight side of the piano, the piano's weight may tear the lid's screws from their threads. You will also reduce the weight by removing the lid, and make the piece easier to handle. It will also be possible to run a strap through the flat side of the piano and round both the skid and trolley for secure movement.
    The lid must be then wrapped in suitable blankets or covers.

    With the lid removed, a suitable sized piano shoe is strapped to the left (straight) side of the piece, and then whilst supporting the weight - preferably with a purpose made piano stand, the front left leg and the lyre ( the foot pedal assembly) is removed (in some pneumatic mechanisms you may need to raise and support the left corner by 6 inches in order to drop the lyre). That done, the piece can then be lowered or kneeled over. It is like an elephant kneeling... with the back, and front right leg still in place. Piano shoes are built so that the front left corner - by the keyboard - is protected. This is the corner that will meet the ground first.

    Sometimes a pi

    Satin Paper and Large Format Printing - Pros and Cons
    For the past few years or so now we've been creating and printing our own posters. And the best paper that I've found for this is satin paper. And not just any satin paper. The best that I've found is made by Hewlett Packard. And what works best is the 7 mil paper.Satin paper that's 7 mil thick dries quick. Even for dark prints. Cause there's enough paper to absorb the ink. Thinner paper takes a lot longer to dry cause not all of the ink isn't aborbed. So it has to just sit there and dry. Sometimes run and bleed through to the back of the paper.And the 7 mil paper isn't so thick that you can't roll it up and plastic sleeve it without any problems. Like wrinkling the print for making it too tight to get the plastic over it.So it dries quick, rolls good without sticking to itself, and is ready to ship the same day if not the next day from when it was printed. Very ideal for the high humidity climate that I reside in.I have tried other p
    ossible to run a strap through the flat side of the piano and round both the skid and trolley for secure movement.
    The lid must be then wrapped in suitable blankets or covers.

    With the lid removed, a suitable sized piano shoe is strapped to the left (straight) side of the piece, and then whilst supporting the weight - preferably with a purpose made piano stand, the front left leg and the lyre ( the foot pedal assembly) is removed (in some pneumatic mechanisms you may need to raise and support the left corner by 6 inches in order to drop the lyre). That done, the piece can then be lowered or kneeled over. It is like an elephant kneeling... with the back, and front right leg still in place. Piano shoes are built so that the front left corner - by the keyboard - is protected. This is the corner that will meet the ground first.

    Sometimes a piano skid is used. This is like a sledge, and is placed on the floor so the flat side of the piano can be lowered onto it. Adequate cushioning is essential to protect the fine surface of the piano.

    what is the difference between a skid and a shoe?

    A shoe is an old fashioned tool which is strapped to the side of a grand piano before it is lowered. It is a frame made of wood with cushioning and strap holes, and strapping attached. Its main purpose is to protect the polished surface of a pianos straight edge..

    A skid is slightly more general purpose... For example it might be useful for moving a heavy safe. An upright or grand piano could be placed and strapped onto it, and it is probably designed with runners or wheels to allow movement. It may be a metal frame with a padded wooden board bolted on. It can be slid up and down stairs.

    The skid should be placed onto eight inch high blocks to reduce the back breaking weight of lowering a (grand) piano right to the floor...This will allow the trolley (around eight inches high) to be placed more easily underneath the skid, between the blocks.
    Determining the exact angle at which to place the skid is a matter of some experience. Plenty of padding is recommended.

    The piano can now be moved all the way over to sit flat on it's straight side, and The other two legs can now be removed. The various makers have their own methods of securing the legs.. Use the mallet to tap towards the wooden locking wedge. If it does not move, take time to look and think... The answer will not be force, but it may be a 90 degree rotation.

    A feature of the shoe or skid is that there is some strapping handles to lift it - together with the piano - so the trolley can be wheeled underneath. The trolley is a purpose made piece of equipment. Typically, it might be an approximately 2 foot long by 14 inches wide, heavy aluminium frame which incorporates 2 steel axles (and 4 rubber mounted wheels in total).

    The piano must now be strapped to the shoe / skid, and covers applied.

    The piano / shoe and trolley should be tenderly ratchet strapped to the shoe if there are any steps or obstacles which may separate the two. The tension should be just so that all moves as one, but without exerting unnecessary tension on the piano. In practice, it is better to take the time to always take this precaution.

    All movements should be conducted with a 'hug'... The moving team should always connect shoulders and weight to the piece at all times so as to correct any loss of balance before, and not after it becomes exaggerated.

    Obstacles such as steps or curb stones are always approached squarely with 2 wheels and never at an angle.

    On the van : Strap the piano with at least one end on the front bulkhead, so breaking force does not work on the strapping.
    Ratchet straps are not recommended on van wall strapping bars... They can apply enough pressure to damage the wall of the van, and the metal parts can scratch a polished surface... But very tenderly applied, they are preferable to amateur or ineffective 'knots'. Professional mover's web straps are the right solution since they are strong and tie up right...Tight and secure at hand pressure.
    There must be no movement at all, since the piano will try to work itself loose in transit.

    This article is intended as introductory reading for new staff. It

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