We have discussed many great drug rehab facilities over the past few weeks here at the Budget Planners blog and the truth is that there are so many great facilities and we can’t review them all. But a new initiative over the web is now underway to create a treatment center directory for all types of addiction problems. The site is available at rehabs.biz and in addition to providing a comprehensive directory of treatment centers also maintains daily news updates on the industry.

When you are offered an investment opportunity, get out your calculator and your eyeglasses - you’ll need it to read the fine print.

First ask for a detailed break down of the costs. This may be a fixed amount, or a percentage that’s deducted from your total investment, and how all those deductions will reduce your investment once it matures. Check the commissions of your financial adviser, especially if the institution is offering “linked investments”. Not only is this heavy on the pocket, but it may prompt your adviser to go on a selling/buying frenzy. Another warning sign: if the costs turn out to exceed 6% per entry, then add up to an annual cost of 2% or more.

You may have heard of colloidal silver before, but there is still a lot of confusion on the subject by many people. Colloidal silver has been in used for over a hundred years as an external treatment for wounds and burns. People would apply it on wounds to prevent infection. But only in recent years have internal usages for the composite been discovered.

New studies have shown numerous advantages to taking a nanoparticle form of colloidal silver on a regular basis as a nutritional supplement. Among the benefits attributed to colloidal silver, some believe it has antibacterial properties which can be a safe alternative to traditional antibiotic treatments and taking it on a regular basis is considered a good preventative measure.

The problem is that many companies advertise their products as colloidal silver when in fact their products are actually ionic silver solutions. The difference is that a true silver colloid should consist mainly of silver particles. If you are looking for a trusted place to purchase pure colloidal silver products with the highest quality is purestcolloids.com. The company sells only the most pure colloidal silver products so you can be sure you are getting exactly what you are paying for.

Purestcolloids.com features an all natural mineral supplement in the form of nanoparticle colloidal silver called MesoSilver on their site. As opposed to other so called colloidal silver products, MesoSilver has the highest particle surface area which guarantees the colloidal silver supplement to provide maximum effectiveness.

I operate a number of small websites other than Budget Planners and most of them don’t really make much money. In fact, some don’t even justify the $10-$20 hosting fee which is pretty standard. That’s why I try to find the lowest priced hosting solutions I can find.

One service I came across is Host208 - Webhosting Services which actually offer a pretty impressive plan for only $4.50 a month. Their starter plan is actually more feature rich than most of their competitors while their price is still one of the lowest around. But what I liked most from their plan is that you can host up to 3 domains using the starter package which means that it only costs $4.50 to host 3 sites and not just one.

Many people are shocked when they get their credit report - the score is always lower than they expected. Here are some things that can affect your score:

• Missing payments. Each time you skip a bill, you add to your reputation of being a “risky borrower”. Don’t run away from your payments. If you’re over your head in debt, then seek refinancing or call your lender to renegotiate terms.
• Applying for multiple credit cards or loans. Sending mass applications can be seen as “volatile borrowing” - why on earth would you need that much money? Also, remember all those institutions will request for a credit card report - and each time they do, it pushes your score down.
• Accumulating large debt. When your credit card’s near your credit limit, or you’re only making minimal payments, your score takes a nosedive. Aim for zero-balance.