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So you want to buy a holiday or investment property in Morocco. How to you arrange a Mortgage in Morocco?

Those who are unable to buy their Moroccan property outright can arrange a mortgage for the balance of the property price over the down payment that they have available. Arranging a mortgage in Morocco follows French practices very closely. Here are the main features of a Moroccan mortgage:

1. The mortgage market in Morocco is not very well established and complications can and do arise for applicants. These complications are frequently complicated when a non-resident applies. The mortgage application process is slow, so don’t expect the same standard of speed and customer service from a Moroccan lender as you would expect from a bank at home. The Moroccan lender’s staff are often lacking in knowledge and experience, which is compounded when they have to deal with paperwork from overseas. You should also expect to be required to provide official translations for your domestic documentation.
2. In Morocco, all mortgage loans are linked to the price paid for the home and require a minimum down payment of 30%. Note that the lending bank is unlikely to instruct a property assessment although you may wish to do so for your own peace of mind. The currency for the loan and the repayments will be the Moroccan Dirham, so ensure that your home bank can transact payments in the Moroccan currency or arrange for a local bank to receive your remittances and make the payments by exchanging the currency for Moroccan currency.
3. Bank arrangement fees are charged and these will vary depending on the institution you use as well as the type of mortgage you choose. In addition, you will also be charged a notary fee for registering the mortgage deed. There will also be a mortgage tax that will be levied over the life of the mortgage.
4. Typically, mortgages are granted for a term of 15 years. However, you can find a lender who will extend the term to 25 years. Be aware, however, that the shorter the mortgage term, the lower the interest rate that will be charged. Interest-only mortgages are not available over the life of the loan, but you can get an interest-free loan for the initial six months.

Always be prepared and arm yourself with a good working knowledge of local lending practices. This is the key to arranging a mortgage in Morocco. You can expect a slow and painful application process plus a good deal of frustration. However, if you take all the possible steps to understand what is happening and why, you will be able to ensure your stress levels are kept mercifully low. Using the services of a Moroccan Mortgage expert, who knows and understands the market and application process, particularly if you do not understand the language and local customs, will prove invaluable when arranging home financing in Morocco.

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This may come as a shock to you, but we all have rocks in our heads. Actually the “rocks,” tiny crystals of calcium carbonate, are deep inside our ears and help us to sense and respond to motion. Sometimes the crystals (called otoconia) shake loose and float to other parts of the inner ear. The result is Benign Paroxysmal Positional Vertigo (BPPV) and it’s awful.

I know because it happened to me. My BPPV is the result of an accidental blow to my jaw bone. It wasn’t a big blow, just enough to shake up things. Within an hour I was feeling dizzy. Eight hours later I was lying in bed and moaning. My entire world was out of whack.

The bed felt like it was spinning and the room felt like it was spinning, too. I was so dizzy I couldn’t take a step, let alone walk. In addition to these symptoms I had bouts of sweating, followed by bouts of chills. Light bothered my eyes and I tried covering them with a blanket, but the blanket made my vertigo worse so I uncovered them again. Constant nausea was the worst symptom and I thought I would throw up at any minute.

Mayo Clinic lists symptoms of BPPV on its Website, http://www.MayoClinic.com, and I had most of them: dizziness, vertigo, lightheadedness, unsteadiness, loss of balance, and nausea. Blurred vision after quick movements was the only symptom I didn’t have have. Health experts describe BPPV as a “balance and dizziness disorder,” a “bothersome” and “temporary” condition. These words don’t tell the real story.

Benign Paroxysmal Positional Vertigo is debilitating. I’ve had it several times and it knocks me flat.

Because I’m a health care journalist I decided to learn more about BPPV and looked it up on the Internet, using the words “canalith repositioning maneuver.” More than 1,450 references popped up and the most comprehensive is by Timothy C. Hain, MD, “Benign Paroxysmal Positional Vertigo.” Reading it was like reading my own case history.

According to Hain, head injury is the most common cause of BPPV in people under 50 years of age. This statistic includes kids. “About 50% of all dizziness is due to BPPV,” Hain goes on to explain. Rolling over in bed and getting out of bed can cause BPPV, Hain says, and it can return after a visit to the beauty shop or dentist - things that also happened to me.

What can you do about BPPV? If you have a mild case you can wait it out and hope the “ear rocks” go back to their original place or dissolve naturally. And if you wait it out Hain recommends using two pillows at night, not sleeping on your “bad” side, getting up slowly, and sitting on the edge of the bed a few minutes before walking.

Your other options are office treatment, home treatment, and in severe cases, surgical treatment. Fortunately, my husband is a physician and knew what to do. He helped me with the Canalith Repositioning Procedure, described by John M. Epley, MD in 1992. Only a trained professional should perform this procedure, according to The Vestibular Disorders Assocciation.

Scary as it may sound, the procedure is quite simple and Mayo Clinic has posted a slide presentation about it on its Website, http://www.MayoClinic.com. As Mayo Clinic explains, the goal of the procedure is “to move particles from the fluid-filled simicircular chambers of your inner ear to a tiny bag-like structure (utricle) where these particles don’t cause trouble.”

During the procedure your physician watches your eyes closely. The movement of your eyes tells him or her which ear has the loose crystals.

After the procedure you must sit up for 48 hours. If you lie flat while you’re sleeping the procedure has to be repeated and you go back to square on on time. Even if you do it right the Canalith Repositioning Procedure may have to be repeated. The Vestibular Disorders Association describes the procedure as “very effective, with an approximate cure rate of 80%.”

The procedure helps me, but it isn’t a quick fix, and I usually repeat it. At night I sleep on the couch, with pillows behind my back to prop me up and a small pillow at my neck to hold it in a vertical position. Your doctor may recommend a neck collar to hold your neck in place.

Trained health professionas may perform other procedures to ease your BPPV. Again, The Vestibular Disorders Association says these procedures “must only be performed by a professional who is trained in the maneuvers and safeguard against possible neck or back injury . . . .”

Have you had sudden dizziness or vertigo? Don’t ignore these symptoms and get a checkup now. Your physician will conduct and/or order tests to rule out detaching retina, esophageal reflex, brain tumor, and other diseases. Watch for symptoms of BPPV if your child is hit in the head.

Having BPPV has made me appreciate things I used to take for granted, like keeping my balance and walking straight. I’m amazed by the spiral design of the ear and its “ear rocks.” Yes, I have rocks in my head an I’m glad of it!

Copyright 2005 by Harriet Hodgson

http://www.harriethodgson.com

Harriet Hodgson has been a nonfiction writer for 27 years and is a member of the Association of Health Care Journalists. Her 24th book, “Smiling Through Your Tears: Anticipating Grief,” written with Lois Krahn, MD, is available from http://www.amazon.com. A five-star review of the book is also posted on Amazon.

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Are you searching for the best skin care method to correct an acne problem? There are, in fact, several “anti-acne” steps you can follow when caring for your skin. Most acne reducing skin care tips are inexpensive and based on common sense.

When washing your skin, do so gently. Limit these cleanings to once in the morning and once at night. (It is also wise to wash after exercise, as well.) Do NOT use strong soap or a rough scrubbing cloth, when caring for your skin. Doing so will only make your acne problem worse.

Dermatologists suggest that you should avoid the use astringents unless your skin is extremely oily. If you feel an astringent is a necessary part of your skin care regiment, use ONLY on oily areas. If you have a problem with oily hair, it is helpful to wash it daily.

It is strongly recommended that those with acne avoid frequent exposure to the sun and visits to a tanning salon. It may seem as though these two activities are helpful when practicing proper skin care, but that is untrue. The results of each are temporary. Sunburn or tanned skin only help to hide an acne problem.

Do NOT squeeze or “pop” skin blemishes. This can cause permanent scaring and the appearance of dark splotches, on the skin. (Not something you want have for the rest of your life.)

Men who have acne should use care when shaving. Either an electric or safety razor can be used. Those who choose a safety razor should always use a sharp blade and soften their beard with soap and water, before applying shaving cream.

It won’t happen overnight, but as long as you are consistent, you will start to see an improvement. If you have acne, proper skin care is the first step to controlling the problem.

This article was made possible by www.acne-secrets.info Visit our site for the latest in acne treatment.

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Aloe Vera is a succulent plant resembling a cactus but is in fact a member of the lily family. Its medical benefits have been recorded as long ago as 2,200 BC. The clear aloe gel that is found in the leaves is used for external applications and the base of the dried leaf has a yellow sap that is known as bitter aloes. This is taken internally for many ailments.

Where did this plant come from? It seems to have had its beginnings in the eastern and southern regions of Africa. Travelers soon came to know of its valuable healing properties and carried it with them. They brought it to many corners of the world. Now you can find it almost everywhere you go. It can be grown outside in warmer climates or even kept as a houseplant. It is very tolerant of droughts but cannot take too much water or cold.

Aloe Vera is used for a wide variety of medical ailments and recent research has even uncovered its benefits when treating HIV. It is commonly used in the cosmetic industry for skin conditions and beauty products.

Many people use it as a topical application for its healing properties. It seals the damaged skin with a protective coat and speeds up healing by stimulating the immune system with Aloectin.

For many years protein was considered by scientists to be the main factor the body needs to repair itself. However now research has shown that carbohydrates play a key role in the process. Carbohydrates are the most complex biomolecules and it is possible due to this reason carbohydrate beneficial properties were not discovered.

Ambrotose is a carbohydrate derivative of Aloe Vera and other plants. When taken as a supplement has many of the healing properties of this medicine plant. Like the Aloe Vera it uses carbohydrates to heal your body. The substances in Ambrotose are known collectively as glyconutrients and it is these elements that make Ambrotose work.

Ambrotose helps your body to heal itself. It is able to provide in pre-packaged form all the essential sugars your body needs, without your body having to manufacture them. It aids in digestion and helps to improve your overall health.

Note: Glyconutrients are not intended to heal, treat, or cure any disease.

Zach Thompson is a Glyconutrients Consultant. His clients range from pro athletes and actresses, to cancer patients and children with Learning Disabilities. To learn if glyconutrients can hep you, visit his Glyconutrients site for a consultattion.

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How can we define a Work At Home Parent? Almost everyone is a
parent, and everyone works, maybe from home…! A Work At Home Parent
is a businessman or businesswoman takes care of children while
working from home.

A businessman or businesswoman who conducts business at home may do
so for a lot of reasons, despite reasons it gives one the
flexibility to plan their time between business and family. The
reasons could be numerous, but which parent would forego the
opportunity of working their own hours all the while spending time
with their children and family at the same time fulfilling social
obligations. This class of entrepreneurs, the Work At Home Parents,
also saves a lot in terms of time and money.

The main objective of a Work At Home Parent would be to integrate
their business time with parenting responsibilities without a loss
in income or opportunity.

This article deals with integrating entrepreneurship with parenting
to the best possible effect and history of Work At Home Parenting.

The integration of entrepreneurship with parenting can be achieved
by bringing together the use of time and space, accommodating
parentage in business and flexibility.

Usage of time and Space: Taking children on business errands,
scheduling activities when the children are resting and getting the
children used to the concept of an office that accepts their
presence.

Accommodating Parentage in business: Once your business
acquaintances come to know that parentage is a priority with you,
they would certainly accommodate with you in taking time for caring
for children. As the children grow, taking their help to perform
small tasks would certainly help in a Work At home Parent’s
business. It would also help in children growing responsible.

Flexibility: Working your own hours will help a work at home Parent
perform and work well since they can work at times suitable and in
shorter spurts than in a continuous process.

History of Work At Home Parenting: The practice of integrating
entrepreneurship with parenting has been in practice for a long
time since the times of merchants and artisans. These classes of
entrepreneurs worked closer to their homes, with children loitering
in the background. Only the historical circumstances like
Industrial Revolution distanced the children away from their
parent’s workplaces. However the recent trends of dual working
parents (due to economic compulsions) brought about a void in
parentage, which in turn gave rise to the concept of work/life
balance making Work at Home Parentage a viable and sensible
proposition.

“Who Is Bill Mc Dermott”
By: William Mc Dermott 4th

I am delighted to write about Bill (my Dad). Ever since I was a little boy, Bill (my Dad) has always guided and directed me and looked out for my best interests. He was concerned about me going to the best schools, and about the classes I was taking. My Dad and I enjoyed racing quarter midgets for five years, and were in the top three at any event. Now we are selling the cars and moving onto micro sprints. I am looking forward to when we begin to race them. Bill is a successful businessman, because he is a straight to the point person, doing what it takes to make the big money. He knows how to communicate well with people, he is respected in the industry, because he is reliable, dependable and an ethical businessman. I was always very proud of Bill (my Dad), for many years, he has owned his own company. He is the CEO of Mc Dermott Corp. He currently has over 30 people working for him.

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Working for yourself is an excellent career choice. If you are
tired of dealing with unsupportive bosses, workplace politics,
and the overall hassles associated with working, being an
entrepreneur may be a perfect idea. Similarly, if you have an
unusual schedule or responsibilities that prohibit you from
keeping traditional work hours, entering into an
entrepreneurship may be right up your alley. Many individuals
with children would jump at the chance to work from home and set
their own responsibilities and hours. Starting your own business
may not be a walk in the park, but if you begin with innovative
and creative entrepreneur ideas, your task will be considerably
easier.

Many individuals who are interested in starting their own
business from home need to possess the drive and determination,
in addition to an entrepreneur’s charisma and vision. Since
you will essentially be on your own in the entrepreneur process,
a sense of creativity is vital. Unlike a traditional business
where you work towards another individuals vision and goal, in
an entrepreneurship you must set your own. This vision is an
essential part to starting your business. You would not think to
start a trip without first knowing the destination and the
correct route to take. Similarly, you should not jump into an
entrepreneurship without clearly outlining a goal and a plan of
action. Provide yourself with room to work around unforeseen
obstacles, but if you plan correctly, few things will arise
unannounced. Your first step on the road to becoming an
entrepreneur should be to develop a creative idea for your
business.

When you begin to think about starting your own business, take a
sincere look at yourself, your life, and your goals. Businesses
that directly reflect their owner’s passions are most
likely to succeed. Remember the age-old rule of thumb: work with
what you love and you will love your work. The world of
entrepreneurship is no difference. Whatever you decide to base
your business around, ensuring it directly reflects your
personal goals will ensure its success. The second key to
business success is getting your product or services to
potential clients. Anyone can build a better mousetrap, but only
the successful can develop a following for the improved product.
Your success in this task will directly result from your
charisma and attitude. Entrepreneurs possess special charisma
that enables them to best promote their business. Remember, you
are on your own to make your business fail or succeed. Whether
you have ten employees or you are a one person show, it is your
responsibility to ensure the success of your business through
the promotion of the products or services offered.

Many entrepreneurs quickly find themselves over their heads when
it comes to promoting their businesses. Not everyone is
marketing or public relations professional, so the job can be
taxing at times. If it is in your budget, seek the services of a
professional to help you with the process. Many entrepreneurs
choose to join their local chamber of commerce or another
business organization to meet others in their situation. Meeting
other entrepreneurs and using them as a sounding board for your
own visions and ideas is an excellent resource for your
business. Additionally, you may find a source of clientele in
these organizations if your products or services appeal to other
business owners.

The key to becoming a successful entrepreneur is creativity.
Stretch your mind in order to create the most productive vision
possible for your upstart business. Use your creativity to
develop ideas for promotion and everyday running of your
business. Being a true visionary will enable you to adapt to a
variety of situations you most likely will encounter on your
road to entrepreneurship.

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There are two things that you never want to hear from a prospect:

(1) Excuse me, but I think your hair is on fire! And

(2) You’re a great salesperson!

This article isn’t about fire safety, so let’s rush to number (2).

What’s so bad about hearing a compliment, especially one that pertains to your profession?

Isn’t it the same as hearing, you’re a great doctor, lawyer, or priest?

Not at all.

Being told, by a prospect, that you’re a great salesperson, is an insult. It says, the person is monitoring your technique, your tricks of the trade, your show, your efforts, and all of these motions are for naught.

He ain’t buying!

He’s probably saying no in the same way that he’d blow off a losing job applicant.

“You have so many skills and strengths that I’m sure you’ll have no trouble connecting with the right company, one that will really appreciate what you have to offer.”

Sweet, right?

A truly great salesperson doesn’t seem like he’s selling, at all. This doesn’t mean he isn’t using techniquesof course he is.

It’s like what they say about art. It’s art when the art doesn’t show.

When you look at a great painting, you should be instantly involved in its subject, not in how the individual brushstrokes were applied to the canvas. You should be stirred by it, and not be paying attention at all to the frame in which it is displayed.

The next time you’re told you’re a great salesperson, take it to heart if your sales manager made that statement, and raised your pay, in the next breath. Or, be uplifted by it if it comes from a customer who just wrote a check to your company.

But if what you really want doesn’t occur after this compliment, then go back to the drawing board. Come up with a way of selling where the selling doesn’t show!

Dr. Gary S. Goodman, President of Customersatisfaction.com, is a popular keynote speaker, management consultant, and seminar leader and the best-selling author of 12 books, including Reach Out & Sell Someone® and Monitoring, Measuring & Managing Customer Service. He is a frequent guest on radio and television, worldwide. A Ph.D. from USC’s Annenberg School, Gary offers programs through UCLA Extension and numerous universities, trade associations, and other organizations in the United States and abroad. He is headquartered in Glendale, California, and he can be reached at (818) 243-7338 or at: gary@customersatisfaction.com.

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What are some of the common causes of holiday stress we should guard against?

1. Setting Ones Social and Personal Expectations: To High … Expecting every moment of the holiday season to be one in which every one is happy, merry and in a party mood all the time, especially ones self; when these expectations are not met the feeling of anger and frustration sets in

• Condition your mind that neither being in a party mood nor feeling merry is necessity for one to enjoy the holidays.

• Keep in mind different situations and traditions should dictate the methodology used in celebrating. After all there hardly ever is just one best way for doing anything.

2. Excessive use of Food, Drugs, Or Alcohol to Cope With Stress… A great way to have fun and deal with your stress at the same time .Right? Wrong. If you’re suffering from increased stress levels during the holidays, don’t turn to food, drink, or drugs for relief because they work. Because the reality is in the long haul, they don’t’ Not only will they make you fat, obnoxious, and intoxicated, but more importantly, they will shield you from learning how to deal with the deeper causes of your Problems; every holiday season you’ll end up in the same boat over and over again.. Hence, even though they work in the long run in the short run, they will cause one even more heart ache and stress, such as car wrecks, injuries to others resulting in legal problems, work and family problems; therefore are not good coping strategies. “So, how does one cope”, you ask? Well here are some coping strategies that have proven to work:

• Make a preemptive strike.

• Keep your hands busy

• Be ready for stress snack-attacks Store only healthy foods and non-alcoholic drinks.

3. Unpleasant Memories… It is not uncommon. Perhaps the death of a friend or close family member or a valued relationship came to an end Again you ask, “what remedies can one avail themselves. Here are just a few that come to mind.

Remind yourself that some solitude and reflection is healthy and good; its okay not to be in a jovial mood all the time.

Next keep busy doing something you enjoy

Spend time as you are able with new friends and acquaintances. After all who knows they may become you’re new best friend.

4. Trying To Change Or Control Other People… Whether during the holidays or not, probably what causes one the greatest stress and drives one crazy is trying to control or change the way others behave. Then, with the failing to accomplish the impossible, one ends up feeling angry and frustrated. Solution, Recognize the old proverb “Do unto others as you would have done unto you; don’t

5. Blaming yourself or others when Things go wrong… Our first reaction is to automatically look around for some one or something to blame. It’s not that one wants to respond this way, but the body has been programmed to do this instantaneously, whether one’s intellectually want to or not.; most of the time, this automatic assessment of blame wasn’t the blame after all other then trying to change or control others this is the greatest causes of stress. Again the result being feelings of anger and frustration; the solution being the same as trying to control others. Do unto others as you would have done unto you.

Now that we have examined some of the major causes of holiday stress and identified some coping strategies, it is my hope that instead of this holiday season being a sleigh full of stress; It will be a holiday season full of joy peace and self contentment

I have been mdically retired for the past ten years. During which time ai have dabled in wriing articles, poetry, and playing pokr professionally. Recently the manager of the senior complex in which I live asked me to write a monthly article; I thought it would be fun to submit it here to see what happens

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Great ideas for gift baskets are not so hard to come by. A little bit of thought, planning and imagination will yield spectacular baskets filled with original and appreciated gifts for anyone on your gift list throughout the year. Whether you are designing your own gift basket or creating a list with pre-made gift baskets in mind, the ideas for gift baskets are never ending.

Thought-filled ideas for gift baskets might seem like a difficult task initially. In reality there are many ways to begin creating ideas for gift baskets that will become a natural choice in future gift giving. Knowing what is interesting to the recipient of any gift is the key to making it personalized and customized. And, even if you are not certain the exact interest, most times you can successfully wing it.

For example, ideas for gift baskets designed for teenaged grandchildren who live far away might encompass just researching what a teenager in general might be interested in. You can begin with general interest items such as music gift cards and headphones. If you are fortunate to know teenagers well enough to narrow the generality into uniquely specific gift ideas that fill a basket, you can come up with a plethora of creative options.

Smiles are in store when ideas for gift baskets are thought out and executed in a way that covers all bases. Baby shower, bridal shower, and anniversary gift baskets are an ideal way to gather similar gifts and present them in an imaginary way. Co-workers and employers alike can be celebrated with very little forethought and a loving heart.

Holiday ideas for gift baskets open up countless ways to celebrate. An ornament hanging from the handle of a decorative basket filled to overflowing with Christmas gifts is just the beginning to a whole array of gift basket ideas. Easter baskets might just be the idea from which ideas for gift baskets originated.

Birthdays are always a great place to practice your ideas for gift basket skills. No matter what age group or what the interest; you can fill a gift basket that is appreciated. For any special female in your life relaxing bath oils, handmade soaps, and perfumed sprays are always a hit. For the younger man on your list you might want to include comic books, Hot Wheel cars, and a bag of water balloons to fill.

Ideas for gift baskets begin and end with the thought of sharing and celebrating. No matter what occasion you are celebrating, it is the thought that truly counts. So trust your instincts and follow your heart to a place where the gift of a gift basket perfectly expresses your thoughtfulness. You will make some one very happy in the process of creating the perfect ideas for gift baskets that land a lasting impression.

Copyright 2005 by D. L. Randolph. All rights reserved.

Looking for information about gift baskets? Go to www.giftbasketspage.com. Giftbaskets Page is a Gift Basket Information Directory and Resource Site which provides a consolidated listing of the best Gift Basket sites in one easy to navigate location.

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Confused by EDTV vs HDTV? We don’t blame you. The number of acronyms floating
about with regard to digital TV is frightening. What’s even more worrying is that very
often they are used by people who have little or no knowledge about what they
mean. If the person selling you doesn’t know the difference between EDTV vs HDTV,
how are customers supposed to decide which TV or projector to go for?

In our guide below, we’ve tried to distill the technical info into as few words as
possible and make it as straightforward to understand as we can.

To properly explain EDTV vs HDTV, we need to step back a bit. Traditional TV has
525 lines of video which are interlaced. Interlacing just means that every frame of
video is split into two fields and each field is shown alternately. Although there are
525 lines in the signal, only 480 lines contain video, so it is sometimes referred to
as 480i (480 lines interlaced). This is known as Standard Definition TV, or SDTV.
While this has worked well enough for fifty years, as TV sets have got bigger and
projectors more popular, the quality deficiencies have become increasingly
apparent.

The ultimate answer to improving the quality of the image displayed on your TV is
HDTV,
however, as a step on the road to HDTV, the industry came up with Enhanced
Definition TV, or EDTV. This system contains the same 480 lines as SDTV, but they
are progressive scan. Hence EDTV is also known as 480p. Progressive scanning just
means that instead of splitting the signal into two fields and showing half the lines
at a time, all 480 lines of video are shown at once. This results in a noticeable
improvement in the quality of video.

The bad news in relation to EDTV vs HDTV is that you need a completely new TV or
projector to display both EDTV and HDTV. Most DVD players on the market today
are progressive scan, meaning they output EDTV signals, however, in order to view
the progressive scan picture in all its glory, you need a TV or projector capable of
displaying it and that, unfortunately, means getting a new TV.

In terms of content, there is very limited TV content available in HDTV format, and
there is still wrangling about the standard for HD DVDs. However, every DVD disc on
the market can be displayed in EDTV right now.

Bottom line? Pretty much every HDTV projector or TV on the market today will
display EDTV as well. So even if you live in a country or area where HDTV content is
limited or non-existent, it is worth it to watch your DVD collection in EDTV, the
difference between SDTV and EDTV really is that big.

Kenny Hemphill is the editor and publisher of The HDTV Tuner - a guide to the kit, the technology and the
programming on HDTV.

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