monthly fee or a per-message fee.

For most business owners, just looking at your phone bill can cause panic or dread. Instead of checking line by line for accuracy in the invoice, you probably look at the total, sigh, and write a check. With all the new services available, you need to understand your invoice so you don't get overcharged or billed for something you're not getting.

The FCC requires telephone companies to provide you with clear, plain language in their invoices when they describe their services. However, even then, you may not understand what you are being charged for.

Here is a list of terminology associated with your business telephone bill, your wireless bills, or both.

Access Charge: fees charged by a local phone company for the use of its local network.

Airtime Charges: These are per-minute charges for the time you spend talking on your wireless telephone. Some wireless providers will round fractions of minutes to the next highest one, two, or three minutes.

Billing Increments: A call duration measurement unit expressed in seconds or minutes. Depending on your service provider, some services are measured and billed in sixty-second increments and some may be in durations of six or even ten seconds. For example, if you have one minute billing increments, any call less than 1 minute will be billed as 1 minute.

BTN (Billing Telephone Number): Your main billing telephone number.

Cramming: When a charge is placed on your phone bill that you didn't order or authorize.

Detailed Billing: This service provides detailed information such as date, time, duration, type of call (incoming or outgoing), number called, or calling party, for each call.

Direct Dialing: When a customer is pre-subscribed with a long distance company and makes a call using 1+ the area code (or country code) and the telephone number, without operator assistance or using a dial-around number.

Directory Assistance: Charges for dialing 411 or (area code) 555-1212 for directory assistance calls.

Domestic Call: Any call that originates and terminates within the United States.

Downloading Fees: Fees charged for downloading options offered by your wireless service provider, such as ring tones. If your plan includes Internet access, these are fees for downloading data from the Internet.

E911 Charges: These are Enhanced 911 or E911 service. This lets your wireless telephone automatically transmit your geographic position to emergency responders when you dial 911. Your provider is charged for this and may choose to pass their costs on to you.

Features Charges: Both wireline and wireless telephone companies offer features such as call forwarding, call waiting, voice mail, three-way calling, and caller identification. These services may show up as separate charges on your bill.

FCC (Federal Communications Commission): The United States government agency that regulates interstate and international communications by radio, television, wire, satellite and cable. Established by the Communications Act of 1934, the FCC's jurisdiction includes all 50 states, the District of Columbia, and U.S. territories.

Federal Excise Tax: A three percent tax applied only to local service that is billed separately from long distance service. In 2006, the IRS stopped enforcing the toll portion of the tax. The tax still applies to customers who only subscribe to local phone service. Earlier this year H.R 3011 was introduced (Telephone Excise Tax Repeal Act of 2009) to repeal the federal excise tax on communications services.

Interstate Calls: Calls that start in one state and end in another state.

Intrastate Calls: Calls that start and end within the same state.

LDU: Long Distance Usage is the amount of long distance a customer uses.

Local Exchange Carrier (LEC) Billing: When a customer receives their invoice directly from their Local Exchange Carrier (your local phone company).

Local Number Portability (LNP): This allows customers to retain their existing local telephone numbers when switching from one telephone service provider to another. Companies may pass on to customers the fees they are charged. These are fees and not taxes.

Minimum Minute Charge: Some calling plans will have a minimum number of minutes that they bill for a call length. A 10-minute minimum charge would mean that even if you talk less than 10 minutes on a call, you would still be billed for a 10-minute call.

Minimum Monthly Charge: Some long distance calling plans have a minimum monthly charge. This means that if your plan has a $50 monthly minimum, your monthly bill will always be at least $50 even if you have a month where you have only made $25 in calls.

Minimum Usage Charge: A calling plan where you would pay a small fee if your monthly long distance usage is under a certain amount. This is different from a minimum monthly fee.

Monthly Calling Plan Charge: Charges applicable to any monthly calling plan. For example, unlimited long distance calling on your wireline bill or unlimited minutes on your wireless bill.

Operator Assisted Calls: These are charges for any calls that are connected by an operator. Usually, it is more expensive to have an operator help you with a call.

Roaming Charges: Roaming charges require you to pay for using your wireless telephone outside of the "home" service area as defined by your service provider in your service plan or contract. Usually the charges are higher when roaming. In addition to roaming charges, there might be a daily access fee.

SIM card (Subscriber Identity Module): Also known as a "smart card," this is the physical card in a mobile telephone that contains all necessary information for uniquely identifying a subscriber.

Single Bill Fee: This is a fee that the carrier can charge for combining your local and long distance charges onto one bill. This fee is not an FCC charge and some companies waive it.

SLA (Service Level Agreement): Documentation or a contract that details service quality commitments between a carrier and the subscriber.

Slamming: The unauthorized conversion of a customer's long distance phone service from their current carrier to a new long distance carrier. Slamming is illegal.

State & Local Taxes: Taxes that are imposed by state, local, and municipal governments.

Toll Call: Any call, subject to charge, to a destination outside of the local service area of the calling station.

Telecommunications Relay Service (TRS): This is a charge that pays for the relay center to transmit and translate calls for people with hearing or speech disabilities.

Text Messaging: This service allows sending of short messages, usually less than one hundred characters in length. This will either be a flat monthly fee or a per-message fee.

Universal Service Fund (USF): This is a charge on some long distance services to offset a carrier's mandatory payment into the Federal Universal Service Fund, which subsidizes rural, low income, and health and education telecommunications customers. The FCC sets the USF rate every three months. It applies only to state-to-state and international phone calls. The FCC doesn't require this charge to be passed on to customers, and each carrier decides if and how to recover its Universal Service costs. If this line item appears on your bill, it means the carrier has chosen to pass their charges onto you.

You should check your phone bill every month and make an effort to understand the meaning of each item to make sure that you're paying the proper rates for your contract. If you make any changes to your lines, make sure they apply the right charges to the change. If you see something that you don't understand, ask your provider to explain the charge. If you have a Telecom Expense Management company working for you, they can explain the charges as well as make sure you're not billed for something you're not using.

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Art is the process or product of deliberately and creatively arranging elements in a way that appeals to the senses or emotions. Work of art includes paintings, sculpture, writing, music, and floral design. Though sometimes overlooked, floral design is still considered as an art by florists.

Floral design is the art of using plant materials and flowers to create a pleasing and balanced composition. Evidence of refined floristry is found as far back as the culture of Ancient Egypt. In todays' Floristry, Floral Design or floral arts is the art of creating flower arrangements in vases, bowls, baskets or other containers, or making bouquets and compositions from cut flowers, foliages, herbs, ornamental grasses and other botanical materials. Visit an online flowers Philippines site to learn more about buying and sending flowers back to the Philippines.

There are many styles of floral design. And here are some of the most popular floral designs around the world:

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Ikebana - Ikebana is a style of floral design that originated in Japan. Most well known for its simplicity of line and form, Ikebana is a design style primarily practiced for personal enjoyment.
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English Garden - English Garden style is traditionally an English form of floral design. Stems are placed in a radial fashion and feature abundant use of seasonal flowers and foliages. These designs are often done as low, tufted mounds, or taller vase arrangements that are all-sided (360?, and incorporate garden flowers like roses, delphinium and peonies. Many florists that follow this design style do not use Baby's Breath, Carnations and Leatherleaf.
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High Style - High Style is a catch-all term to describe contemporary, linear designs that highlights unique forms of both individual floral materials and of the designs themselves. Arrangements generally feature negative space and incorporate asymmetric placement of materials. The style stands in direct contrast to traditional radial arrangements such as English Garden.

Learn how to buy and send some flowers back to the Philippines by visiting an online flowers Philippines shop.

With the ever-growing interest in the natural world and flowers, the floral industry continues to grow. The need for good schools or academies to provide training in floristry and floral design has also increased. Many institutes have risen to meet the demand and provide quality education and training in floral design. If you want to send some flowers back to your families back to the Philippines, then visit an online flowers Philippines site to learn how.

trying to find a car park space.

As no doubt you have noticed online shopping is becoming more and more popular. In this article I write about this new revolution and discuss whether in my opinion this popularity is likely to continue or even increase, or if it is just some sort of short term fashion trend.

I was introduced to online shopping a few years ago when a friend of mine advised me that a certain electrical type company was offering their products with a discount of ten percent, when they were purchased online. This fascinated me and I then started to investigate if this was a trend which other retail outlets were offering. I found that quite a few others had similar online discounts and I soon started to catch the online shopping bug.

As a man I am not really one for shopping. I am not trying to suggest that all men hate shopping but I certainly do. When my wife wants to go on one of her trips to all of the local clothes and other shops, I do go with her and attempt to show an interest but in truth can not wait to get home. When buying items such as clothes for myself, I of course prefer to buy online. This is where online shopping become a dream for me.

A couple of years ago at Christmas time, I must admit that I purchased around eighty percent of my presents online. This saved me having to go to the shops in the first place, fighting through the Christmas shopping crowds and trying to find a car park space.

My family even now buy our weekly food shopping online. My wife prefers doing the food shopping in this way as she does not have to wait to have her items scanned and does not have to put up with the children asking if they can have this or that.

I believe that this online shopping revolution has only just started. I think that more and more companies are going to offer this service and that their websites will become even more impressive and easy to use for the consumer. People especially women will always love to go shopping but I think for certain goods, for example larger and more expensive items, that they will be mainly bought online.

In around five years time most households in the UK will have access to the internet therefore introducing even more potential customers to the option of online shopping.

My life has certainly been made a lot easier and less stressful through online shopping and I would advise other people to give it a go.

this driver into your head on daily basis.

In a marathon the physical factor for runners might be very comparable, but what could be the main differentiator between those who get to the finish line and those who don't? And what would be the main differentiator between those who finish first and those who finish last? What makes a person push himself/herself to the maximum limits to achieve his/her targets?

Depending on the field, things like physical fitness and knowledge are pre-requisites of course, but endurance and patience are the common denominator that separates the winners from the quitters in any field.

From normal observations we realize that the level of endurance and patience to achieve self set targets differ between one person to another. So what is it that creates this difference? It is motivation and more importantly self motivation.

The engine that drives us to overcome obstacles and enhance our endurance and patience is how well we can motivate ourselves. We need to differentiate between external motivational factors and self motivation.

Results and achievements motivate most of us, but if failure and slow or no improvements are happening, the only source of motivation available is within ourselves.

Online business is an industry that requires a huge amount of self motivation. Self motivation is the sole driver for discipline, endurance and patience which are the success factors that differentiate the winners from the quitters.

This makes self motivation the most crucial success factor in online business as external motivators take time to materialize.

How can we fuel the self motivation engine to keep it running? There are numerous ways:

1- Set clear Targets: I know you have heard this a million times, but the reason we are mentioning it here is the following:

a. Clear targets are easily measured and accordingly you will see by time the small improvements you are making. Thus energizing your self motivation by this external factor.

b. When setting clear targets, you can easily divide them into targets to meet within smaller time intervals. Accordingly, you see closer results.

2- Keep remembering your initial driver: Keep reminding yourself why you got into online business in the first place. Keep implanting this driver into your head on daily basis.

3- When you completely lose hope and realize that online business is not for you, try to find other options that would satisfy the driver that made you start your online business. If you could not find other options you will realize that online business is your only option.

4- Do not talk about your online business with potentially skeptical people.

5- Pick an active forum and hang around there every now and then, not only because it is good for the business, but to keep you motivated by helping others and getting help from others. You can find ideas that you never thought of before and are easily implemented which will give a huge boost to your motivation.

6- Try to enjoy your online business and make money a secondary issue. By enjoying the work you will find the material factor accomplished without you noticing. If you keep stressing yourself out regarding the monetary achievements, each day in online business will seem like a whole year. This one is the most magical of all solutions.

Do not make your online business like any other job. This is your kingdom and you can create any working environment you desire. Therefore, create an environment that will keep you motivated all the time.

they will likely not do much with it.

There are many people who claim they have the secret to guaranteed internet business income. They say it is a process or system. They charge larges amounts of money for the secret or they give it away because they want the people to whom they give it to become a part of their opportunity. What they are really offering is just a chance to join their opportunity so they can make more money. Not a great secret and definitely not the one true secret to guaranteed internet business income.

The one true secret to guaranteed internet business income is attitude. Every person that has ever been successful in an online business has the same attitude. They are dedicated and passionate about their business. Without dedication and passion a person will not succeed at their business. It does not even matter how good the product is or how great the person is at selling and marketing, the bottom line is if they do not have the attitude they will not succeed.

It may be hard to believe that attitude can have such an impact on business, but it does. A person who is not dedicated to their business will allow other things to push their business to the backburner. They will have no problem letting their business suffer in favor of doing something else. They will not be driven or determined to make their business the best that it can be. They will settle for anything. Their business will suffer from their lack of desire to make it successful. As with anything in life, if a person is not dedicated to the task they will likely not do much with it.

Passion is something that any good salesperson will say is the key to selling. At the heart of every business is something to be sold. Every good business person can sell and are passionate about their product. The reason for this is that in order for a person to buy something they have to develop an interest in it. A salesperson that is passionate will talk about a product as if it is the most wonderful thing imaginable. They will convince people they cannot live without it, that they need it. People will then become interested and likely buy it. A business person that is not passionate about their product will find they do not end up with very customers who are passionate about it either.

Determination and passion are two of the most simple concepts, but they truly are the key to guaranteed success in creating an internet business income. These character traits are not something a person can learn, but rather are part of their state of mind about a business concept or product. When a person finds an internet business income opportunity that fires up their dedication and passion then they have found the opportunity for guaranteed success.

ASK QUESTIONS

Email Address Acquiring. I'm sure that you have noticed these firms just before. Some work, some do not. A majority of them do not. And, unless it is possible to be confident that these email addresses they're giving you might be actually double opt in(this will be the approach of saying "Sure! Send me information" digitally by means of a doubled process to be specific that those individuals the truth is do want the details that's becoming sent to their e-mail addresses), and not harvested emails(emails which can be randomly collected from around the net with no notion they're becoming put on lists), it's like taking a shot within the dark.

Safelist Mailing. In a word, NO! Safelists are comprised of other people trying to sell their products to one another. It does not work. Most of the time, if not all the time, your e mail ad will go unnoticed and deleted on internet site. Sure, safelists could be joined free of charge, but bear in mind, you get what you pay for.

Time-Wasters. These are a collection of "get rich quick schemes". They're lurking in every single corner of the web. Do not participate in them. Dollars rotator programs do not work. Pyramid schemes don't work. And the list could go on and on. These are serious time-wasters and won't make you wealthy. They're crap. Plain and basic. The only actual people benefiting from these types of programs are the ones who developed the darn things! Take into consideration it. You find this program that sounds fairly superior. It only costs you a total of $5.00 to obtain in. Your member name is place on a list and randomly displayed to obtain paid for every single new member that signs up. But, you only make $2.00. The plan creator/operator makes the other $3.00.

The "Failure" Factor. This is among the greatest success crushers there's. And it's all brought on by negative thinking and giving up! In case you do not have a massive following of personal supporters like household and pals, don't be concerned about it! You will not get anywhere positive should you let the negative comments inside your head. You have got to put those things on the back burner to be effective at selling items on-line. To heck using the nay-sayers. Are they feeding your family? Are they paying your bills? No. You will be!

A superb saying to keep in mind is: "If you may believe it, It is possible to attain it!". You'll be able to do this. It's not brain surgery.

Never judge a book by it's cover. Read all of the details. Make particular you fully grasp everything in a merchant's terms. If you do not, ASK QUESTIONS! Any reliable merchant need to be ready, and prepared, to answer them. In the event you do ask, and don't hear a single single word back, or it takes them an unexplainable quantity of time to provide you using the answers you seek, pass that offer over and move on to the next one.

“I tell you,” shouted Denisov, “he’s a capital fellow.”

Denisov still did not speak or stir; his gleaming black eyes glanced now and then at Rostov.

“Your pride is dear to you, you don’t want to apologise,” continued the staff-captain, “but we old fellows, as we grew up in the regiment and, please God, we hope to die in it, it’s the honour of the regiment is dear to us, and Bogdanitch knows that. Ah, isn’t it dear to us! But this isn’t right; it’s not right! You may take offence or not; but I always speak the plain truth. It’s not right!”

And the staff-captain got up and turned away from Rostov.

“That’s the truth, damn it!” shouted Denisov, jumping up. “Come, Rostov, come!”

Rostov, turning crimson and white again, looked first at one officer and then at the other.

“No, gentlemen, no … you mustn’t think … I quite understand, you’re wrong in thinking that of me … I … for me … for the honour of the regiment I’d … but why talk? I’ll prove that in action and for me the honour of the flag … well, never mind, it’s true, I’m to blame!” … There were tears in his eyes. “I’m wrong, wrong all round! Well, what more do you want?” …

“Come, that’s right, count,” cried the staff-captain, turning round and clapping him on the shoulder with his big hand.

“I tell you,” shouted Denisov, “he’s a capital fellow.”

‘That’s better, count,” repeated the captain, beginning to address him by his title as though in acknowledgment of his confession. “Go and apologise, your excellency.”

“Gentlemen, I’ll do anything, no one shall hear a word from me,” Rostov protested in an imploring voice, “but I can’t apologise, by God, I can’t, say what you will! How can I apologise, like a little boy begging pardon!”

Denisov laughed.

“It’ll be the worse for you, if you don’t. Bogdanitch doesn’t forget things; he’ll make you pay for your obstinacy,” said Kirsten.

“By God, it’s not obstinacy! I can’t describe the feeling it gives me. I can’t do it.”

“Well, as you like,” said the staff-captain. “What has the scoundrel done with himself?” he asked Denisov.

“He has reported himself ill; to-morrow the order’s given for him to be struck off,” said Denisov.

“It is an illness, there’s no other way of explaining it,” said the staff-captain.

“Whether it’s illness or whether it’s not, he’d better not cross my path—I’d kill him,” Denisov shouted bloodthirstily.