123ArticleOnline.com: Brown Harrishttp://www.123articleonline.com/rss/author/151470/brown-harrisArticles written by Brown Harris from 123ArticleOnline.comen-usCopyright (c) 123ArticleOnline.com All rights reserved. 5 Tips For Choosing A Bank In Knoxville, TN http://www.123articleonline.com/articles/868545/5-tips-for-choosing-a-bank-in-knoxville-tn 1. No Monthly Fee Choose a bank with no monthly fee. That way you can hold your money in an account without incurring a charge. If the bank requires a monthly fee, it should be avoidable by maintaining a minimum balance, using direct deposit, or similar baseline requirement. SmartBank offers checking account options with no monthly fee and accounts with no fee if you maintain a certain balance. 2. No Minimum Balance Requirement Seek out a bank that can provide you checking account services with no minimum balance requirement. If a bank implements a minimum balance policy, your hard earned money will be forced to sit in the bank without accruing any interest. A minimum monthly fee is not necessarily a deal breaker though, if the bank provides a competitive interest rate. A good bank will present its clients with a variety of checking account options. SmartBank offers various personal and business checking solutions, including those with no minimum balance requirement as well as those with a minimum balance but high interest rate. 3. Free ATM Access Many times you will be running low on time and not have the luxury of visiting your home bank. That's why it's important you have free ATM access. ATM fees can add up quickly, costing you money to access what's already yours! Further, you want to make sure the bank you choose has an extensive network of ATMs where you are located, so you can access your money at the time you need it. SmartBank has ATMs stationed throughout Knoxville, TN to meet our client's needs. 4. Zero Limitations on the Number of Transactions You should have the ability to withdraw from your checking account as much as you like without the fear of a penalty. For a savings account, this is different, as you may want a penalty to ensure you don't continuously dip into it. But when it comes to checking, you want the convenience of taking out money whenever you need it. At SmartBank, we do banking the smart way by offering unlimited withdrawals from your checking account. 5. Online and Mobile Access Lastly, find a bank with both online and mobile banking access. This gives you the convenience of accessing your account from anywhere, so you can make deposits, transfer money, and check your balance on the go. SmartBank provides both online and mobile banking solutions to our clients, and we even have our own mobile app. With the comprehensive SmartBank mobile app, you can pay bills, deposit checks, transfer money, and, of course, check your balance. Make the Smart Knoxville Banking Decision By keeping all of these items in mind when searching for your next bank, you will increase your chances of making the right choice. If you're looking for the smartest banking choice in Knoxville, TN, you want SmartBank. we offer the best possible banking experience available. 6 Tips to Prepare Your Car for the Fall http://www.123articleonline.com/articles/881478/6-tips-to-prepare-your-car-for-the-fall The Tire Tread 'Penny Trick' Low tire tread creates low traction while navigating turns and in hazardous weather conditions. The penny trick is a simple way to make sure your tires have a proper tread for safe driving. Place a penny with Abraham Lincoln's head facing down into the grooves of your tires. If Abe's entire head is still visible, then you definitely need to replace your tires. In the event you need to replace your tires, retread tires are a good option to consider. Retread tires are environmentally conscious, durable and less expensive than brand new tires. Check Your Tire Pressure We recommend checking your tires at least once a month. Check the tire pressure to make sure your tires are properly inflated. PSIi recommendations vary vehicle to vehicle, but generally fall between 32-36 psi for standard vehicles and upwards of 70 psi for semi trucks. Typically your tires will have a psi recommendation on them. So check your tires for the proper pressure to prevent an unnecessary flat tire. You can also check your vehicle's user manual for specific recommendations. Get Your Oil Changed An oil change is typically needed every 5,000 to 10,000 miles. To be safe, we recommend checking the oil once a month. You can do this when you check your tire pressure. To do so, lift the hood of your vehicle, remove the dipstick from the oil pan, wipe the dipstick clean with a paper towel/rag, reinsert the dipstick into the oil pan, and then pull it out. The dipstick has two notches marking the range for a healthy oil level. If the dipstick shows oil in that range, you are good to go. If the oil is below that range, you need an oil change. Replace Your Vehicle Air Filter Generally, air filters need to be replaced every 12,000 miles. Inspect your air filter just like you would the air filter to your AC units in your home. If the filter has excessive dirt throughout, you should replace the air filter. In older vehicles doing so could give your gas mileage a boost, while in cars made in the last few decades it can help increase your acceleration. Check the Coolant and Radiator General rule of thumb is that coolant should be replaced every two years. While checking the coolant and radiator are probably more important before the summer starts, we also recommend checking these two things after the summer. The summer months are by far the hardest months on your car's cooling system. So checking to make sure everything is functioning properly after a hot summer will make sure your car does not overheat in the following months. Additionally, check the ground underneath your car when it has been sitting at rest for a few hours. If you see a small puddle of coolant under the car, then you likely have a coolant leak and need to get it checked out. Clean Your Car Battery Over time, your car battery will corrode around the terminals you use to jump the car. Check your battery regularly to be sure corrosion isn't building up on the battery. Several shops sell battery cleaning kits. So if you see a white crust around the terminals of your battery, pick up one of those kits at a local auto store and clean your battery. 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Anti Ageing Skin Care Treatment, Natural Methods To Look Young http://www.123articleonline.com/articles/843671/anti-ageing-skin-care-treatment-natural-methods-to-look-young Many factors including lifestyle, polluting the environment, extreme climatic conditions, experience of the sun's unsafe rays, stress and health issues affect the skin. Ayurveda is an ancient technology which can be still staying practiced. Herbal plants and other substances are employed in herbal anti ageing skin care treatments along with minimal negative effects. BAC Library Construction for high quality advance Genomic Research http://www.123articleonline.com/articles/822668/bac-library-construction-for-high-quality-advance-genomic-research Every organism on this planet has undergone massive evolutionary changes ever since its inception. The modifications induced due to adaptation and external surroundings have brought about drastic changes in all living organisms. 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BACs is used in modeling genetic diseases and has proved to be extremely useful in studying complex genes having numerous regulatory sequences including various promoter sequences which govern a gene's expression level. They hve proven efficiacy in investigating diseases like Alzheimer's and Down syndrome apart from specific oncogenes using electroporation. BACs aid the detection of large sequences and mapping of human chromosome using as they are capable of accommodating large sequences without rearranging and remain stable in cloning vectors. The enormous knowledge and detailed study in the area of genomics have promising rewards for medical sciences and health remedies. Now almost all diseases have found a cure and this is made possible only due to genetic experiments. Out of the several inventions and improvements made in the sector of genomic research, a remarkable and note worthy technology that stands apart is Bacterial Artificial Chromosome (BAC) library screening and has proved to be instrumental in gene identification. It can simultaneously host one million large DNA fragments in a stable sample of E. coli and is useful for procedures such as genome wide gene mapping, sequencing as well as chromosome walking. The team of specialists at CD genomics have constructed several libraries using different species. The numerous applications of BAC Library Construction Large genomic DNA insert-containing libraries are required as critical tools for physical mapping, positional cloning, and genome sequencing of complex genomes. The bacterial artificial chromosome (BAC) cloning system has become a dominant system over others as it can efficiently clone large genomic DNA inserts. The CD Genomics laboratory has constructed many high-quality deep-coverage large insert BAC libraries. Our highly versatile, reliable, accurate and advanced tools can build a BAC DNA library using a massive variety of materials. BAC Library Construction service has several benefits including precision, faster turnaround time, competitive packages and custom made solutions that allow you to attain your research goals as early as possible. At Become A Hot Tub and Spa Dealer and get incremental sales http://www.123articleonline.com/articles/823226/become-a-hot-tub-and-spa-dealer-and-get-incremental-sales The spa industry is gaining immense momentum and expanding by leaps and bounds owing to the advancements in technology and improvements in the standard of living. With rising income, the need for luxury products has seen a great demand in the market. Capitalize on this trending business and make the right investment for gaining more profits. 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Since the technology to analyze DNA is fairly new, advances in genetic testing has led to numerous tests that help patients understand important medical issues related to their genetic code. cDNA Custom Library Construction For Genome Sequencing Applications http://www.123articleonline.com/articles/843086/cdna-custom-library-construction-for-genome-sequencing-applications A cDNA custom library construction is a collection of the total genomic DNA from a single organism. The DNA is stored in a population of identical vectors, each containing a different insert of DNA. In order to construct a genomic library, the organism's DNA is extracted from cells and then digested with a restriction enzyme to cut the DNA into fragments of a specific size. 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Handicapped Transportation Services - Optimized To Cater http://www.123articleonline.com/articles/842073/handicapped-transportation-services-optimized-to-cater Public transportation has always posed several problems for the elderly and the disabled. To overcome these problems, several agencies have started providing Handicapped Transportation Services to the specially abled people and their caregivers. Whatever be your psychical condition, these specially designed vehicles have all the facilities to accommodate your unique medical needs. Human Genome Sequencing - Developing Revolutionary Technologies For Genome Data http://www.123articleonline.com/articles/836147/human-genome-sequencing-developing-revolutionary-technologies-for-genome-data A genome sequencing center plays a vital role in catering to the research needs of academic institutions, government agencies, research labs, clinical diagnostics and pharmaceutical companies for various projects and studies that range from targeted therapies and drug discovery to the breeding of crops and decoding differential patterns for pathologic DNA. Importance Of Treatments At Sarcoma Cancer Treatment Centre http://www.123articleonline.com/articles/845122/importance-of-treatments-at-sarcoma-cancer-treatment-centre There are numerous and important reasons why someone who has been diagnosed with sarcoma should be treated at a centre where there is an interdisciplinary medical team that has experience in treating this rare disease. 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Personal Loan: Monetary Assistance For All http://www.123articleonline.com/articles/876151/personal-loan-monetary-assistance-for-all The Benefits of a Personal Loan Take a trip to the Bahamas, make some home repairs or buy new appliances all with a personal loan. What's a personal loan? A personal loan is a loan that is designated for personal expenses. They are a great option if you need a lump sum of money quickly and can afford to make the monthly payments. Two types of personal loans are available, including secured and unsecured loans. Here is a brief description of each: ● Secured Loans. These types of loans use collateral, such as a home or car, to back up the loan. Some of the advantages of this type of loan include ○ Lower interest rates ○ More flexibility on credit history ○ Less restrictions on employment. ● Unsecured Loans. An unsecured loan doesn't require you to put up collateral. All you need is a signature as your promise you will pay back the loan in full. 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Professional Caterers for Corporate Events: Food Truck Invasion http://www.123articleonline.com/articles/812601/professional-caterers-for-corporate-events-food-truck-invasion Before you start planning for your office event, it is important to determine your goal for the event. a) Is your primary goal teambuilding? b) Is it to introduce new software to your team? c) It simply to take a break from everyday life and gain some inspiration? If you are clear about your goal, keeping it in mind throughout the entire planning process will ensure that every component of planning contributes to accomplishing that goal. A venue must be chosen according to the nature of the event. If it is a company picnic, you can conduct it outdoors like a beach party or a farm but if it is a product launch or software training, it must be conducted at a conference center. Also, you make sure you give your speakers, caterer, and attendees enough time to plan ahead and make any travel arrangements. Now that you have decided upon the best time to hold the event, you can move on to the other important aspects of planning. These include: 1) The budget 2) The theme 3) A tentative itinerary 4) The expected number of guests Now you must focus on finding all the contractors that you need to make this event great. This involves everyone from the venue and speakers to the caterers and the DJ. When selecting additional services, it is important to be aware of how your caterer will be charging for them and their rates you so that there are no surprises later on. As you plan out your event, you can start contacting a handful of different caterers that you think fit the budget. You must have some pre-planned questions to ask each of them that will help you understand what you actually want. Professional and efficient servers from a good catering service will give you one less thing to worry about. 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Boosts Your Business Even When The Cash Reserve Is Limited Commercial vehicle financing calls for a huge investment initially which not a feasible option for a small business or a start-up venture that does not have adequate cash reserve to finance the purchase. With leasing, the initial investment is a fraction of the purchase amount and the following monthly payments are typically small viable figures. Allows You To Escape The Costs Of Tolls and Parking Lease commercial vehicles are eligible for toll and parking deductions. Pick The Right Lease Category For A Profitable Business A commercial vehicle lease falls into different categories. A close-ended lease allows you to walk-away at the end of the payment term without any obligations. No surprises await you at the end of the term with a close ended lease as the residual value is determined by the company. An open-ended lease gives the leaseholder the freedom to determine the vehicle's residual value and when properly structured proves to be a profitable investment. It is least expensive as you only pay for the miles you run. A lease offers incredible flexibility during downtimes and the lessee can also take advantage of a lucrative resale market. The lease provider takes care of all the tedious and time-consuming paperwork while you focus on the core operations of your business. A Reduced Upfront Cost Enables You To Invest In Other Needs Of Your Business The biggest benefit of a lease is the low initial investment which makes more cash available for you to invest in other areas of your business. A well-documented lease agreement means more cash on hand and more opportunities to expand your operations. A Preset Lease Value Permits You To Acquire Multiple Vehicles Simultaneously With a flexible lease credit line, you can acquire more vehicles in a short time span. It is a practical option for businesses that employ multiple vehicles for their operations. Leasing is the most viable way to save money when acquiring a new fleet. Many financial services provide lease and purchase options as well as insurance products to customers who choose commercial vehicles, including sprinter vans, and smart cars. Commercial vehicle customers in Canada enjoy the benefits of leasing, financing and insuring their commercial vehicles from Freightliner, Western Star, Thomas Built and Fuso via Daimler Truck Financial. Avoid That Massive Depreciation Hit With a lease, you do not have to worry about the shocking value of the commercial vehicle which crashes down to almost 40% of the actual cost at the end of three years. Depreciation makes you lose a massive amount of money when you finance a heavy-duty commercial vehicle which can be easily avoided with a commercial vehicle lease. No Penalties Await You At The End Of The Leasing Period Fixed priced maintenance plans, deduction of accrued mileage, value leasing programs, and preventive maintenance programs help in keeping the costs under control. There are no surprise penalties or unpredictable costs at the time of lease settlement. You Enjoy Complete Control Over Your Cash A commercial vehicle lease does not impact your company's credit. Many lease programs have a no down payment option and give you a clear understanding of all the leasing expenses to be incurred during the payment term. It is important to know that a commercial vehicle lease does not have a one size fits all program. Understand your business requirements, the purpose of your vehicle, the associated ancillary expenses of your lease, flexible payments terms, residual value, disposal fees, and security deposit if any before you finalise your decision to lease. Aberstar is an established logistics company of Canada offering timely, customisable, and cost-effective freight services throughout Canada and the US. The company has an in-house expert, Dan Bell who can help you know your options prior to making a final decision. Being an experienced financial controller of the company, he can help you weigh the pros and cons of leasing to ensure that you get the best returns on your investment. Avoid the downsides of an outright purchase of commercial vehicles and manage your assets wisely with commercial vehicle leasing. Where To Buy Silent Disco Headphones http://www.123articleonline.com/articles/871244/where-to-buy-silent-disco-headphones Silent discos are taking the world by storm. They are fun, interactive and, most of all, offer a unique way to experience live music. If you're wanting to put on your own silent disco, you will need the right pair of headphones. 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Why Preventive Medicine Is Leaning Towards Whole Human Genome Sequencing http://www.123articleonline.com/articles/836148/why-preventive-medicine-is-leaning-towards-whole-human-genome-sequencing The advancements made in the modern day genomics have surpassed the conventional sequencing technology in terms of cost, flexibility, accuracy and speed. This has made sequencing technology both viable and accessible for health-care industry and life-sciences.