Secured loans are easily available

:
Moreover, people in general are increasingly going the credit card way as they make various kinds of payments. The greatest advantage of a secured loan is the incredibly low interest rate that it comes with. These loans are a risk free option for the borrower as he can use the collateral to recover the loan amount in case you fail to pay back. Similarly, when we approach banks for personal loans, they have what is called Secured Loans UK wherein the borrower needs to offer property or some other kind of an asset as collateral. This is a collateral based loan, where in you have to pledge any valuable asset as collateral to secure the amount. Collateral placed can be your home, land, real estate, car or any other valuable documents. If you are suffering from credit or income challenges you can use a secured loan to consolidate all your high interest debts into a lower rate secured loan. Through this option, you can obtain amount in the range of Ј5000-Ј75000. There are times when you might feel that you cannot fulfill your dreams due to lack of funds. You maybe a salaried person or a businessman but unexpected expenses can strike at anytime. As the amount is secured against a high value asset, the lenders are virtually risk free. This is a loan whereby the borrower is required to have an existing savings account with the bank and a portion of the funds in the account is used as collateral. The Secured Loan Advantage:
Quick and easy route to generate extra cash for your various needs
You can use the cash for any purpose depending on your unique individual needs Secured Loans UK allow you to borrow more Secured Loans UK are easily available. This way, you will be able to save a lot of hard earned money. Another form of secured loan is the mortgage loan wherein the person borrowing has to place his house or any property against the money that has been lent to him. You can choose from a number of online lending options. You are generally asked to fill in an application form which asks for various personal and financial details. Finding a suitable deal in the online market is not that tough. By comparing the rate quotes, you can easily select a deal that suits your pocket. . Moreover, this loan scheme does not add unnecessary burden to your pocket.

Top 7 reasons article submissions are essential to your site promotion

Article Submission Software is probably the most utilized article-marketing tool of every top marketer. It doesn't matter what profession or business you are involved in. Any Internet business, whether it's a mom and pop operation, an affiliate home based business, or selling sophisticated computer equipment should make it their number one priority to use article submission software as their essential source for promotion of any Website, service, or product.

Article submission software is a powerful solution to creating more consistent pre-targeted traffic, driving higher search engine rankings, and ultimately generating more sales. Article submission software takes the pain out of manually submitting articles saving you valuable time.

Let's take a look at the top 7 reasons article submission software is essential to your site promotion success.

1. Article Submission Software Drive More Pre-Sold Targeted Traffic

Article submission software provides instant traffic to your site. Once your article is published, people who are highly interested in your topic will flock to your site after clicking on the link you provide in your resource or bio box at the end of your article. Keep in mind your articles need to be interesting and chock full of useful information. Your readers need to be persuaded that you are an expert in your field.

2. Article Submission Software Create More Back Links

As your articles are submitted and published deep throughout the Internet your resource box or bio box at the end of your article is your vital link back to your site. Article submission software can do a much better job at submitting more articles than you could ever accomplish manually. Therefore, the more articles you have published, the more back links you are going to generate.

3. Article Submission Software Improves Your Search Engine Ranking

As previously mentioned, the more back links we have to our site give search engines a nice warm and fuzzy feeling. Link popularity of your Website is a major building block to higher search engine ranking. Keep submitting articles on a regular basis and you will keep building back links from the free organic traffic visiting your Website through search engine listings. The higher your ranking, the more traffic you should receive and the more conversions to sales are your ultimate reward.

4. Article Submission Software Creates More Sales

The first three benefits mentioned above relating to article submission software is the perfect foundation to generating more sales. More traffic, more back links, and higher rankings. Naturally, you need to have a valued product or service, and your sales page or landing page needs to be optimized with quality copywriting that will covert your pre-targeted visitors into a singing cashbox.

5. Article Submission Software Saves Valuable Time

Manually submitting articles to hundreds or even thousands of directories, ezines, niche publishers, or newsletters can take an unbelievable amount time. Each article directory is different and your articles need to be custom formatted for each site. There are not enough days in the week to effectively manage a manual submission campaign. Article submission software will make your complete article marketing process a snap.

6. Article Submission Software Can Save You A Lot Of Money

If you are currently using an article submission service, you know that it can be pretty expensive. Using a service of this type can be a real profit margin killer especially if the product or service you are promoting has a marginal profit margin to start. Article submission software can competitively perform the same operations for a fraction of the overall long-term costs. Using a service entails reoccurring expenses while purchasing article submission software is a one-time cost.

7. Article Submission Software Forms Your Credibility

As you submit more and more articles, you will eventually build a name for yourself. People that read your articles will get to know you better and will develop a mental picture of your integrity. Through article submissions you can establish yourself as an expert in your field and begin to develop your credibility. As your readers get to know you and trust you, you will then posses the online influence of your readers to convert them into dedicated paying customers.

In summary, article submission software is an essential tool to your site promotion. It is a fantastic way to boost your presence and sales. Don't be without it. I also want to mention that there are a few other key elements that are critical to a successful article submission campaign, and they must be implemented properly which I will cover in a future article.

Why men should get hair color too

We all know that men are the first ones to let their image regimen slide. Sure, men tend to get haircuts like clockwork, but when it comes to getting other salon services, like hair color, most men opt for the easy path of non colorization.

Even though men tend to ignore this salon service, there are many reasons why they should be taking the time and indulging in a little hair color. Aside from the fact that hair color covers gray, it has other benefits that men would love if they only gave it a chance. Here are just a few:

· Color adds body and thickness. One of the easiest ways to plump up thinning hair is to get them colored. This is because color opens the cuticle layer which adds volume and lifts hair away from the scalp, making it fuller. All of this works to make the hair appear thicker and full of life.

· Color adds interest to short cuts. Most men’s cuts are extremely short so it is almost impossible to add any interest or personal flair to them. But with a little hair color, you can personalize your cut. Color can also adds the illusion of movement and vibrancy when it is caught in the light.

· Color brightens up too-drab natural hair colors. If your hair color is drab, boring and lifeless, a few strands of HiLites can do wonders to brighten up your hair. This can also help to brighten up your facial features as well. It can even make you look younger and like you’ve been spending some time in the sun.

· Men’s color services are often less expensive than women’s services. If nothing else will draw you, maybe a good deal will. The truth is that men’s color services can often cost considerably less than those of women.

In addition to all of these benefits, color also adds texture and definition to any style. This can help make styling a breeze and actually save you time. So, if you’ve ever wondered if you should get hair color, now is the time to give it a try.

So you have decided to take up golf

You have bought some clubs, a few new golf shirts and have even been to the driving range. Maybe you have played a few rounds, but you did not do very well. Your friends Tried to give you pointers and tips, but it only confused you.

If you really want to play and enjoy the game, then do yourself a big favor.

Take Some Lessons!

You have several choices when it comes to lessons.

A. You can find a friend who is really good, and go out for some one on one help.

B. Find a local Pro and spend a few dollars. Most of them will video your swing. And help you adjust it so you can play without being embarrassed.

C. Read all the golf magazines and watch the golf channel. Buy some videos.

D. Plunk down the cash and go to a golf school for some serious training.

Whichever option you choose to pursue, the most important thing is to learn from your lesson, especially if you are paying someone. Pay attention to what you taught. As soon as possible you need to go to a driving range and practice your new swing or stance. Even the pros that you watch on TV spend a lot of time at the practice tee.

Your golf experience will be more enjoyable when you can go down the fairway not side to side. The more you practice and play the better you will get at the game.

Anti-aging facts myths

Every single one of us begins aging the moment we are born -

If you’re alive, you’re aging - you can’t avoid it. But there are a number of things that you can do to keep yourself healthy and active, and to eliminate or at least slow down many of the factors that contribute to aging.

Ever since Ponce de Leon went searching for the Fountain of Youth, people have been looking for ways to slow down the aging process. Medical science has made great advances in keeping people alive longer by preventing and curing diseases, and helping people to live healthier, happier lives. Average life expectancy keeps increasing and most of us can look forward to a much longer life than our ancestors.

Our bodies were actually designed with the ability to fix themselves, as long as you take care of yourself properly. Your body is made up of about 100 trillion (100,000,000,000,000) living cells, which keep themselves strong and healthy with the proper food. Each and every one of those trillions of cells dies off and is replaced with a new cell at regular intervals. Your entire body is literally completely replaced every few years – you really aren’t the same person you used to be!

What happens with your cells is the key to anti-aging -

When a cell dies, one of three possible things must happen:

A) If the cell has not been receiving proper nutrition, its replacement will be a weaker version of the cell. In this scenario, your body is degenerating.

B) The replacement cell may have the same strength as its predecessor. In this case, your body essentially remains in the same place.

C) The third possibility is that the new cell is stronger than the previous one. Now you’re actually regenerating the body, and reversing the aging process. This can only happen if you give your cells plenty of the right kind of food energy to work with.

Sometime, usually in our late twenties or early thirties, many of us start noticing those first signs that we aren’t kids anymore – a few gray hairs appearing, facial wrinkles, skin starts sagging. As more time goes by, other signs gradually appear – it’s a little harder getting up in the morning, our vision and hearing aren’t what they used to be, our sex life isn’t as lively as we remember. As we look around, we see the same things happening to our friends and family. Most of us generally accept what we see as an inevitable process of nature.

You’re only as old as you feel -

And if you feel and think that you’re getting older – well, then you are! Your mindset does influence what goes on in your body. Meanwhile, you see your body getting older, so you feel older, which reinforces the aging processes in your body. It becomes a vicious circle.

You can turn things around -

As you notice your body looking and feeling younger, your mindset will improve, which motivates you to continue your anti-aging practices, which sets up a positive feedback loop, instead of a negative one. And so the process accelerates.

People are living longer than ever nowadays, due to advanced medical breakthroughs, increased awareness of the importance of a healthy lifestyle, and other related factors.

The human body can take an awful lot of abuse and neglect -

We don’t always think about our bad habits, since it may take years or decades for the effects to become apparent. But neglect yourself long enough and you may one day find yourself suffering through the late period of your life with a wide range of ailments and complaints - from difficulty seeing and hearing to cancer, heart disease, brittle bones, and many other problems.

Yet it only takes knowledge and a little bit of work to prevent most, if not all, of these common old-age problems from manifesting. There’s no magic pill or instant cure, and it will take some effort on your part. But the results will be well worth it. How much would it be worth to you to enjoy your final years as a healthy, active adult, able to continue doing many of the things you most love?

Find lots of Tips and Tricks about Anti-Aging at anti-aging-trix. com

Make money at home easy home business-how to start profiting now

Many people want to learn how to make money at home with an easy home business to they can do from the comfort of their own house. The vast majority people today hate their jobs, and dread waking up and going to work every single day. This is why most people practically live for the weekend, and hate the work week.

Think about that: most people go through life only enjoying about 10-15% of it, and disliking what they do 80-85% of the time. What a terrible way to live! However, a home business can offer you an escape from the drudgery of a job and give you something you look forward to every day.

The idea of starting a home business is very appealing to most people, because it offers them the time freedom and income they want to live the life so they've always wanted to without having to get up for work every single day and live in the rat race. Many people today want to quit their jobs in corporate America, and a home businesses the best way to help him do that.

Unfortunately, the statistics are out, and they aren’t good. 90% of home-based businesses fail ultimately, to make their owners a legitimate income to help them live from home. Why is this?

Simply, most people take the tryout approach when it comes to working from home. Quite simply, if the home-based businesses does not provide them with the income they expected to, they will quit and try something else.

Eventually they will find themselves so deep in debt from all their different failed business ventures that promised them an easy home business model, that they simply give up and go back to their jobs. Therefore they spend the rest of their lives hating their jobs when they could have been working a dream home business.

The reality is that making huge money from home is really not that easy, but is definitely worthwhile in the long run. So what were the best easy home-based businesses opportunities to make good money? While there are certainly many different ways you can make money, the Internet offers the most amount of opportunity today.

If you don't have $40-50,000 to put down on a brick-and-mortar type business, the Internet can offer you a great way to begin a business very cheaply, and start profiting off immediately. Of course, there is a lot of information on the Internet, and getting information overload is a serious possibility.

Therefore, the best thing to do is to pick one area of internet marketing, become an expert at it, and do that. Don't try to become a jack of all trades master of none; become expert one thing on the Internet, start profiting with that, and only then should you can even consider going with another area. Hopefully these tips on how to make money at home with an easy home business will help you get started on your path to achieving financial freedom and living your dream lifestyle.

Me you and ted haggard

I read about Ted Haggard’s confession of homosexuality and use of methamphetamines, just as you probably have. And I had reactions to it just as you probably do. The first reaction I had was a sense of vindication tinged with that luscious feeling of revenge that the hypocrisy of gay bashing was once again being brought to light.

And while that vindication may bolster the just cause of equality for all human beings, revenge is sweet for only a few short moments. I recognize that underneath my righteous indignation there is a deeper lesson about hypocrisy, at least for me.

Just as presumably Ted Haggard is both humbled and humiliated by this exposure, don’t we all have hypocrisies that would publicly humble and humiliate us if exposed? Yes, his hypocrisy had great influence over the White House, the Republican agenda, and a large Evangelical following. But don’t our individual hypocrisies also influence others as well as social policies?

If we tell our children to abstain from alcohol and drugs but hide our own chemical histories or current use/abuse, what impact does that have? We may argue that we want them to do as we say, not as we do. But couldn’t Mr. Haggard have made that same argument?

If we use an illegal substance but are glad for the arrest of street corner drug dealers, doesn’t this hypocrisy have an impact? Aren’t our prisons overflowing with people who may have touched the contents of that little plastic baggie hidden in our underwear drawer?

If we are calling an end to war with Iraq but continue to consume half of the world’s fossil fuels, much of it for jetting to distant vacation spots or filling up our SUVs, isn’t there just the teeniest bit of hypocrisy in this?

If we pride ourselves for buying organic fruits and vegetables but demand that they be available year round, hurting both local farmers as well as requiring enormous amounts of fuel to get them to the nearest Whole Foods store, isn’t there something for us to examine?

Of course, I can go on and on with this list but my point isn’t to shame us. My point is to acknowledge that all our hypocrisy causes damage. Rather than cast stones at one another, we could take the news of Mr. Haggard and look more deeply into ourselves. We could remove our own veils of hypocrisy, acknowledge our own falls from grace, tell more truths about who we really are, change whatever behaviors we don’t like in ourselves, forgive ourselves and others for our trespasses, and go about living life more consciously and compassionately. This is my take away from today’s news.

Essential bodybuilding supplements

Essential bodybuilding supplements are an area which is often overlooked. However much time you spend in the gym, you still need to be nourishing your body with the right nutrients, otherwise you can fall into the trap of damaging your joints and even programming your body to digest its own muscles. Here in this article we show you how to use essential bodybuilding supplements.

Tip 1

There is no doubt that the essential bodybuilding supplement is protein. Your muscles are built from protein, and a regular intake is necessary to ensure that the muscles are properly repaired following your gym work. Protein is a nutrient which the body cannot create for itself, and there are no alternatives that can be used instead. Your muscles will not grow to the size you would like if you are not taking in enough protein.

Tip 2

Another essential bodybuilding supplement is one which you will need only if your life is extremely busy, or if you are traveling. These are Meal Replacements. Meal Replacements are powders which are dissolved into milk or water, and they provide some of the nutrients that you will be missing if you can't eat your regular diet. Essential nutrients like protein, carbohydrates, fatty acids, vitamins and minerals are provided, and quickly absorbed into your body. Nobody would ever go to a posh restaurant to “eat” one of these, but they are extremely useful in maintaining a steady food intake when you are busy.

Tip 3

One essential bodybuilding supplement, at least for many starting out on their bodybuilding journeys, is weight gain powder. As with the Meal Replacements, this is dissolved in liquid. It gives the body a huge boost of carbs and calories which will help the novice bodybuilder put on weight. Often those just beginning bodybuilding find the first few pounds difficult to gain.

Tip 4

Pro biotics. There are those who question that these really are an essential bodybuilding supplement, but the most successful and effective weight lifters use them without hesitation. Pro biotics contain bacteria which help your stomach digest food. More of the nutrients you take in are absorbed by the body, and fewer are wasted.

Essential bodybuilding supplements is an area which can confuse the beginner to bodybuilding, so this guide is designed to start you off properly.

Hearing aids and glasses leveling the sensory playing field

Since time immemorial, people have referred to the eyes as “windows to the soul”, yet blind and deaf Helen Keller said "Hearing is the deepest, most philosophical sense man possesses."

For centuries, sight impaired people have worn glasses without being labeled “mentally defective.” Meanwhile, those with hearing impairment have suffered enormous prejudice. Labeled as “old", "stupid", "mentally ill", or "selective listeners", many hearing impaired people live in denial, or refuse to wear hearing aids because they are afraid of being branded.

For decades, quality eye glasses and contact lenses have been purchased for around 100 dollars but until recently, hearing aids were so expensive that only the wealthy could afford high quality corrective instruments.

Year upon year, eye glasses are fashionably designed in various shapes and colors to enhance physically attractiveness. Conversely, hearing aids are designed to be “discreet”, and manufactured in skin tones because they are deemed unsightly.

Every day, thousands of people submit their prescriptions for eye glasses and contacts lenses online. Orders are then shipped directly to them within 24 hours. At the same time, people seeking hearing correction call ahead for appointments, fight traffic, and look for parking to obtain help.

So how can we level the playing field? First, we must acknowledge that hearing impairment does not signal old age or intellectual inferiority. Admittedly, those who endure uncorrected sight impairment or hearing loss can be at a disadvantage, because they may be unable to decipher everyday sensory signals. Fortunately, excellent solutions for the hearing impaired are now readily available.

With the advent of technology, full-featured 100% digital aids incorporating advanced noise canceling and sound amplification computer chips can be produced inexpensively. There is no need to pay thousands of dollars for comfortable, top-quality hearing aids to correct moderate to moderate-severe hearing loss and reduce sound feedback inside the ear.

Hearing aids can also be fashionable and fun. Colorful hearing aids incorporating gemstones can optimize individual attractiveness. Such hearing aid solutions maximize intimacy at home, and empower communication in the workplace. They signal pride, and are sported by those who stay in the game and keep their edge. I have never met a woman who doesn’t like diamonds, and I believe that most men feel successful when they own the latest and the best.

After consulting with a physician to ensure a hearing aid will benefit them, hearing impaired clients can select the size, model, color, and stone they prefer, and input a current audiogram online. 100% digital hearing aids are custom programmed to meet their prescriptive correction requirements, and shipped within 24 hours. Clientele can take advantage of instructional videos, extended warranties, and a 45-day money back guarantee.

Hearing loss acts as a “silent thief”, robbing the individual of life’s pleasures. While hearing correction restores vitality and self-esteem to the individual, spouses, family members, and coworkers also reap life-changing benefits. Instead of shouting and continually repeating themselves, they can relax, maximize the moment, and enjoy the playing field.

Buying a home after foreclosure - what to expect

Even though buying a home after a recent foreclosure is possible, homebuyer should not apply for a mortgage blindly. Because of your current credit standing, many lenders are ready to take advantage of you. Your options are limited. Nonetheless, this does not mean you have to accept a terrible mortgage loan.

Why Does a Foreclosure Occur?

Homes are foreclosed when a homeowner is unable to repay the mortgage. On average, mortgage payments have to be three months late before a lender begins the pre-foreclosure process. If the homeowner is able to acquire funds, the lender will stop foreclosure.

Many factors contribute to a homeowner's inability to repay a mortgage loan. For starters, living beyond one's means will make it harder to maintain regular monthly payments. Sadly, many people fall in love with a home they cannot afford.

Furthermore, some homeowners do not take into consideration utilities and other expenses that come with owning a larger home. Acquiring excessive credit card debt may also result in less disposable income.

The Disadvantages of Buying a Home after Foreclosure

For the most part, many lenders will not approve a mortgage loan immediately following a bankruptcy. In their estimation, you are a risky applicant. If you were unable to make regular payments three months prior, the odds of a future loan defaulting are high.

Naturally, circumstances do change for the better. For example, if loss of employment or illness contributed to a foreclosure, you may be in a better position to afford a mortgage six months after a foreclosure. Still, there are disadvantages to obtaining a home so soon.

Mortgage interest rates following a foreclosure are outrageously high. Because most traditional mortgage companies will not approve your loan, you may be subjected to interest rates 3 or 4 percentage points above current rates. This will increase mortgage payments by a few hundred dollars.

Best Approach for Purchasing a Home after Foreclosure

If you are hoping to buy a home following a foreclosure, be patient. The key is to rebuild your credit. During the next 24 months, attempt to open new credit accounts, and maintain regular payments. Pay creditors on time and avoid missed payments.

Next, shop smartly for a new mortgage. Prior to accepting a mortgage offer, contact several lenders for quotes. If using the internet, you may obtain instant quotes from several lenders in minutes.

The best european golf destinations for family holidays

Golf holidaying with a family presents its own special challenges. Keeping non-golfers in the family happy and feeling like they are having a real holiday, while at the same time getting your fill of golf, is worth that bit of extra travel planning. The following European golf resort holiday destinations are perfect for family holidays.

Central Algarve

Central Algarve, with its beautiful scenery, perfect weather, and exceptional golf courses, is one of Europe's top golfing destinations. Resorts such as Vilamoura, Quinta do Lago, and Vale do Lobo, and Vilamoura offer much more than golf and will provide non-golfers with all the holiday variety they would expect from a first-class resort. At Quinta do Lago, a 2,000-acre exclusive residential and recreational estate, you have countryside and pine forests, the Atlantic Ocean, and the Ria Formosa nature reserve as your playground, plus 72 holes of golf. Horse riding and tennis as well as a variety of water sports will keep your family occupied during the day, and there are classy restaurants, hip nightclubs for night-time entertainment, as well as the Bourganvilla Shopping Centre and a health club. The stunning two-mile stretch of golden-sand is a bonus.

Vale do Lobo, receiver of accolades such as “Best Resort of the Millennium", and the Algarve’s largest leisure resort, has quality accommodation and diverse sporting facilities, including one of the largest tennis facilities in Portugal. Vale do Lobo, with its two (going on three) 18-hole championship courses, hosts around 100,000 golfers each year.

Vilamoura, twice the size of Vale do Lobo, has tennis courts, a riding school, fishing and shooting facilities, and indoor and outdoor sports complexes, as well as five golf courses. Amazing vessels are moored at the large marina, home to restaurants, cafes and shops. A surprisingly cosmopolitan nightlife consists of bars, clubs and restaurants.

Costa Del Sol

Costa del Sol offers variety both on and off the fairways, and the mild winters and beautiful springs and autumns are perfect for golf. There are around 20 courses, leisure areas, playgrounds and family attractions, as well as beaches and seaside promenades. Three excellent water parks are open from Easter for the summer season, with water slides, pools for all ages and abilities, as well as picnic areas and restaurants. At a number of nature parks you can see animals and enjoy educational programs. Selwo Aventura has over 2,000 wild animals and an unrivalled nature reserve, and Selwo Marina has exotic birds, an underwater observation centre, and dolphins. At the Benalmбdena Sea Life Centre, an interactive underwater park, you can walk on the bottom of the sea and view thousands of aquatic species.

The Lisbon Coast

There are great golf courses here and the beaches are perfect for families. The scenery, magnificent with its small fishing bays and towering cliffs, and the superb local cuisine worth the trip alone. And nearby Lisbon, has all the diversity that a capital city can offer. Quinta da Marinha resort has leisure facilities including three salt-water outdoor swimming pools, a fitness centre with heated indoor swimming pool, six tennis courts and a tennis school, a Turkish bath, sauna, Jacuzzi, gym, massage room, bicycle hire, horse riding, and, last but not least, an 18-hole golf course.

Praia D'el Rey Marriott, just 60-minute drive from Lisbon airport, is a beachfront hotel with spacious family rooms, away from the tourist crush. The hotel has indoor and outdoor swimming pools, a health club, Jacuzzi and tennis courts. Nearby Obidos, a charming hill town set within 14th-century castellated walls, is a perfect day trip destination. And the Praia d’el Rey golf course, one of Europe’s finest, is right on your doorstep.

Pay it off and plan ahead

Maybe you’ve looked at your calendar and realized that October is fast approaching. You have set some goals earlier this year in the area of your finances but have not achieved them. Now is the time to make a committed effort to begin paying those bills off and plan ahead. Why? As holiday season approaches, people tend to create more debt than any other time during the year.

The idea is not to achieve more debt as the end of the year approaches, but to end the year on a financially positive step. You can still concentrate on one bill now and make a dedicated effort. Perhaps it will only take you one or two months to pay it off. Regardless, pay it off. Then the money you placed towards that bill use to purchase your holiday items.

I can assure you with the latest round of hurricanes that happened consumables are bound to go up. When I was recently in my home state of Louisiana, retailers were having trouble keeping food on the shelves. It will not be long before this happens in other states.

Do not charge your holiday shopping because when January comes and you receive those bills, you could end up disgusted. More than likely you will not pay the bill right off. Eventually whatever you charged ends up costing you more than the original price. Does it make sense to pay two times the amount for a product?

For example, last year my husband and I found some gift baskets that we really liked in a magazine. We were going to order them and looked at what the shipping costs would be. We decided to shop around at some of our local stores and found those baskets. We sat down and made up a list of clients and relatives that should receive them. Then we began purchasing them in small increments. We were done with our clients and family by December 1.

Do not add more bills to your financial situation, begin a new start and take steps to remove financial stress. To plan for the holidays you should:

1) Make a plan now even if it is the beginning October, (its not too late) about what you are going to purchase

2) Shop around to see who has the better bargain

3) Do not overspend

4) Do not wait to the last minute to shop. I know this will be challenging for those individuals that like those last minute discounts. However, is it really worth fighting all those crowds on December 24th, when you could be done by December 1st.

Once you have gotten your holiday spending done and looking forward to the next year, put some financial goals in place and stick to them. It is less stressful knowing that you can shop early and get what you want, instead of having to take what is left. Remember back in October when you paid off that first bill, now you want to begin working on the next bill. Then every three or four months, you could potentially be working on a new bill. When October comes the next year, you could have paid off two or three bills depending on the time frame you set for yourself and the holidays will be more enjoyable.

Retail news - stopping thieves in their tracks with 8 easy steps

Stopping thieves start with you and starts with me. As a retailer, you are responsible for also protecting your clients and consumers. Learn how to stop one of the quickest growing crimes in America – identity theft.

According to a recent study complied by Javelin Strategy & Research, in the last two year alone, identity theft has struck almost 20 million people. Identity theft has also cost over $56 billion in the last year alone.

That averages out to $6,381 per person victimized by this crime. There is the chance you will be the victim of identity theft with a new victim being struck every 3.4 seconds. Just for the record, even drug trafficking is not as prolific.

According to the report released by the Justice Department, identity theft is now the number 1 crime in America.

There are ways to protect yourself as well as your consumer base. With cyber-Monday seeing a profit raise of 37%, it is vital that you protect yourself and offer your consumers the ability to stay protected as well.

1. Remind your consumers, if you have a web-based retail storefront, to update anti-virus software. Anti-virus software is an ideal way of insuring there are no viruses on the computer that will record your keystrokes and transmit your personal data to an identity thief.

2. Teach your consumer how to always look for a lock icon on the status bar of any given website where private and/or financial information is given. The lock icon shows that the site is transmitting secure data that cannot be easily translated by a hacker or identity thief.

3. If you send out newsletters or e-mails, keep a generic copy on your website as an image. This will allow your consumers to investigate the validity of the latest information you sent to your consumer base.

4. Never ask for private or personal information to be transmitted via an e-mail sent from your consumer’s computer to your database. In other words, you may have links to forms, but do not have those forms in the e-mail itself.

5. Encourage your consumer to make purchases only via secured web pages, or web pages with the lock icon in the browser status bar.

6. Have a telephone number available for purchases as well as your online ordering form. Let the consumer know “you” are there to protect his or her assets.

7. Strongly encourage and remind your consumers to investigate their credit card statements especially after the holidays. In fact, as a retailer, you should do the same thing. If something looks awry, take appropriate steps to insure you verify the information is correct.

8. If you are a victim of identity theft, or if you are a retailer who has a consumer that is the victim of identity theft, prosecute to the fullest extent of the law. Stopping identity theft will only succeed if each case is handled professionally.

As a retailer and as a consumer, you have the responsibility as well as the ability to lower the number of cases of identity theft. You also have the power to reduce the damage of identity fraud. Each step you take insured someone else is protected.

What are you doing to stop identity fraud for yourself as well as your consumer?

How to use internet videos to drive revenue and add profits to your business

Over the past year, the practice of uploading and sharing of videos on the Internet has become extremely popular.

Advance in technology, increases in storage space and computing power, coupled with faster access speeds through broadband have all contributed to the rise of Internet video.

The viral nature of sharing popular videos by e-mailing links to them has further fuelled the growth in Internet video. According to a comScore Media Metrix report the popular Video hosting service You Tube along streamed 100 million videos per day in the month of July 2006. That is phenomenal growth.

So is there any way that any ‘normal’ business with a website can take advantage of this to grow their customer base, increase frequency of purchase, grow loyalty and basically add to the bottom line?

There are some very big benefits of using video as part of the marketing, communication and advertising strategy of your business. Some of the benefits are obvious, but there are a few benefits that can deliver the biggest impact for your business, but are not known or understood by many.

Let’s press on and explain the benefits.

First, the obvious benefits.

Video commands attention, as it affects both our visual and aural senses. Have you ever walked into a room where a TV is playing? If you are like most people your attention is immediately drawn to what is playing on the screen. Video will attract the attention of your customers, particularly if you can showcase your product or service and communicate your value proposition in a clear and simple manner.

Video also provides a quick and effective communication channel. If a picture is worth a thousand words, a video is worth a million words. Rather than reading through reams of documentation or a 30 page sales letter, one can communicate the essence of the offering succinctly and clearly. Your customers who are just as time poor, with limited attention span, will thank you for it.

Internet video can also provide a personal touch. Think about it. Unless your customers know you personally, you are just a name behind a web site. It requires a lot of trust for people to buy from an unknown person. This can hurt conversions. On the other hand, with video if you are the owner or employee in the business and are on the screen, your customers can begin to relate to you.

Think about it. As the saying goes “people don’t buy from businesses or website; they buy from people”. Internet video is a great way to have a one to one, person to person connection.

This can also lead to better conversion rates for you. Because after they have watched the video, if they click on a link to visit your web site, they are a more qualified, ‘hot’ prospect.

Internet video can also help you stand out against your competitors online. It provides you with differentiation. You do not need your video to be slick and professional. In fact, with the popularity of ‘reality television’, it is probably better if your video looks more natural and real.

Instead of looking like every other web site out there, you can stand out by employing video to brand your business and communicate what you stand for, more effectively.

Now for that hidden benefit, that provides the biggest impact.

If you have a web site, you probably realize how hard it is to rank well in the search engines for the competitive key word terms in your industry. On the Internet, key words are very important, as most users type in keywords into the search engines to find the product, service, brands or businesses they are looking for.

One of the big benefits of using video currently is that if you use Internet video and then use the correct keywords, describe your video using keywords and then upload them to multiple free video hosting services, this could in many instances help boost your rankings in the search engines.

There is a case study of a business that was able to obtain a first page ranking for a very competitive keyword in under 48 hours, by using Internet video. You can find the details of this case study in a free video at trafficgeysermethod. com.

Check out the free video case study there and the resources that can help you get started with Internet video advertising quickly and easily today.

How diet affects your sleep

What you eat during the day and evening can affect your sleeping patterns. If your diet consists of a high amount of processed foods you may want to try eating more wholesome products.

You may want to eliminate, reduce, or substitute the amount of sugars, fats, and preservatives from your daily intake of food. This may benefit your ability to fall asleep at night as well as improve your general health.

Eat a well balanced diet by following the recommended daily food allowance.

Make sure you are meeting the daily requirements for fresh fruits and vegetables. Eat complex carbohydrates and choose protein that is low in fat. You can also choose healthy meat substitutes, such at tofu and vegetarian burgers.

Become aware of any food allergies that you have and try to avoid them. If your body is allergic to certain foods it may affect the way you think and feel.

This could be a contributing factor to your sleep problem. Some common food allergies that are known to contribute to insomnia are corn, dairy products, wheat, and chocolate.

Try to schedule your last evening meal at least four hours before bed. Eat a healthy, well balanced meal. Try not to overeat as this may cause you to become tired after your meal.

You want to avoid feeling tired or napping in the early evening hours as this will greatly hinder your ability to fall asleep at bedtime. As well, try to eat enough so that you are not hungry later and find yourself reaching for foods that are high in fat or sugars.

If you find that you are hungry before bed you may find that a small snack an hour or two before bedtime will help. Avoid foods that are high in protein, fats, and sugars.

You should also avoid foods that are too heavy or spicy. Try a bit of cereal and milk or one serving of low-fat yogurt. The key idea is to provide your body with a bit of nourishment to avoid hunger pangs and not overindulge in an evening snack.

The goal is to reduce your hunger and allow your body to rest and relax.

Make sure that you drink enough water during the day. Studies show that your daily recommended water intake should be around 8 glasses, or 2 liters.

If your body is well hydrated it won't signal you to wake up during the night. Try to avoid drinking water or other liquids one hour before bed if the need to urinate wakes you up during the night.

The healthier you eat the more balanced you will feel both physically and emotionally.

The target here is to get you to sleep regularly and deeply without waking during the night.

Business owner or employee - what are you

I have often heard business owners say that they could never imagine working for someone else, because they love the freedom that business ownership offers. On the other hand, I have heard employees say that they would never want to have their own businesses. They believe that there are a lot of hassles associated with being a business owner.

I have been both an employee and a business owner, and have noticed that business owners and employees have two different ways of thinking. Some of these key differences are explained below, and may help you determine where you fit in.

BUSINESS-OWNER MENTALITY

1. Solve a problem for someone else and create business for yourself – For example, the person who created the automatic car starter that starts your vehicle without having to step outdoors, solved a problem for many people. It has allowed residents of cold climates to start up their vehicles from inside a building, thus allowing the interior of the vehicle to warm up before even getting into the vehicle.

2. Enjoy flexible hours – If you need to, you can adjust your work hours to attend your child’s soccer game or school fieldtrip. You may also be able to decide what time of day you work. My girlfriend’s husband has his own business from home, and chooses to work in the evenings. This allows him to be home with their children when she is at her job during the day.

3. Realize that retirement is not based on age – In his book entitled “Rich Dad Poor Dad,” Robert T. Kiyosaki explains that ability to retire is actually based on your financial situation. And if you have a business that brings in a lot of income, retirement at any age is a real option. So instead of waiting to win the lottery, there are other ways to bring you wealth.

4. View operating expenses as an investment in your future – It is important to remember that “you have to put wood in the stove to get heat.” So if you pay to take a course that will bring you more business, then you really cannot look at it as an expense.

5. Accept that income can vary from month to month – You realize that it is the total income at the end of the year that is most important.

EMPLOYEE MENTALITY

1. Less flexible work hours – You trade hours for dollars. You are also happy working from 8:00 until 4:00. Once 4:00 comes, you are on your own time. What did not get done today at work can wait until tomorrow or may be able to be passed on to the next shift.

2. Accept that you are paid what the employer has decided the job is worth – If the top of the pay scale is $30,000 per year, that is all that you can make with that job.

3. Accept that raises in your salary are not under your control – Therefore, you look forward to the next raise, even if you only get it once per year.

4. Only people ages 50-60 can retire – Some employers have retirement plans in place, but you can only get a full pension cheque when your age and years of service at that job equal a predetermined number.

5. You like to know what your cheque is every month – You are not comfortable with cheques that change.

In summary, there are differences in how business owners and employees think. Based on what I have just explained, it can help you decide which category you fall into – business owner or employee.

House plans the best investments

Some people thought that owning a house is the best big investment they could ever have. In fact, according to the recent survey conducted in the U. S., 90% of the primary wealth of the people. They never knew that there is something more than what the house can offer — the house plans.

What people never knew is that house plans are the better investment.

Why? It is because the foundation, the structure, and the beauty of a house depend on the creation and assumption of house plans.

Therefore, it is important to spend some time contemplating on making and analyzing house plans. If ever the plan was not made in such a way that it would provided the optimum protection for the family, then that is not an investment after all.

Hence, it is extremely important to pay close attention to the house plan. Factors that are to be considered when making house plans should be well taken into account. Here are five things to consider when making house plans:

1. Location

Before making house plans, it is important to contemplate first on the location of the lot where the house will be built. Is it near the schools? The market? Or is it located in an area where transportations are scarce?

The point here is that it is important to consider the location when creating house plans. The design and structure of the house should match the kind of environment the neighborhood has.

2. Lifestyle

Do you prefer to live in the city, or the quiet suburban subdivision living? You definitely do not want to dig yourself a debt hole just to build a new house that conflict with your lifestyle.

When creating house plans, it is also important to consider the lifestyle. The total impression that the house will have on its visitors should greatly reflect the kind of lifestyle the family has.

3. Size of the family

Many houses now are so small because developers have to take into consideration the paying capacity of the buyers.

However, if ever you have the budget and the time to supervise the building of your new house, it is important to consider first the size of your family. For instance, the number of your children will indicate the number of rooms that you have to consider on your plan.

4. Environment

It is extremely important to consider the kind of environment the neighborhood has in creating house plans. For instance, if the area seems to be a hot spot, it is best to include some plans on proper insulation of the house so as to conserve energy consumption.

There are also cases wherein the type of soil is also important in making a house. Therefore, it is best to try to consider the kind of soil the lot area has when making house plans. What good will the designs be if the foundation of the house is literally weak?

5. Law and the government

There are cases wherein certain laws apply when building a particular house. These are known as the zoning laws. Therefore, it is best to consider them when making house plans because there are some laws that limits the height of the house to be built or the percentage of the allowed portion that the house will occupy in a given lot area.

The bottom line here is that the overall foundation and stability of a house is greatly dependent on the proper creation and execution of house plans. No wonder why it is considered by the others as the bigger investment.

Verona a city to discover loved from the tourists of all the world

Yield famous and popular all over the world from the famous tragedy of William Shakespeare " The Most Excellent and Lamentable Tragedy of Romeo and Juliet" , it is a coveted destination from the tourists of every corner of the world.

Indeed, the capital of Veneto, offers a lot of opportunities starting from the cultural point of view, to the culinary and the entertainment.

In particolar, who wants to visit Verona for a short time (also of 2-3 days), cannot miss some fundamental appointments that characterise this laughing city in the heart of the Veneto region. In these terms, we can list what the tourist/visitor of the weekend must absolutely see and try for really living the spirit of the city:

• Arena di Verona: “small” masterpiece of the roman architecture, it is still in good conditions and is used for concerts and other manifestations

• Piazza delle Erbe(Square of the Grass): it rises where the ancient Roman Forum resided, is the heart of the city

• Palazzo del comune (Palace of the Municipality): with a nice romantic garden

• Palazzo della prefettura (Palace of the Prefecture): ancient residence of Scaligeri

• Santa Anastasia: ghotic church erected from the Dominicans

• Duomo (Dome): elegant construction dedicated to Santa Maria Matricolare

• Balcony of Giulietta: small, but somewhat evocative where also is found the famous statue of Giulietta

• Arc of the Giovi: another direct evidence of the Roman domination

• In the pauses, to be based calmly in a tavern and to savour a Recioto di Soave (typical white wine of Verona) with cold cuts and the typical polenta of Veneto region.

Where to sleep in Verona

Of course, there are many touristic structures that allow to sleep in Verona or near the city.

To such purpose, the Gardenia Hotel is situated in San Michele area, ideal for passing days or vacations around Veneto, above all for visiting Verona without having to spend the night in a hotel of the city center.

This 3 stars hotel, offers refined services like cable TV, safe in each room and air conditioning, a part from the prestigious inner restaurant.

The Gardenia Hotel has a comfortable private parking and offers cordiality and hospitality to all its customers, both to businessmen and families on vacation. Moreover, the hotel website ( hotelristorantegardenia. it) offers the chance to the Internet customers to reserve on-line directly their own rooms for the night's passing also at the Hotel San Michele (at Verona periphery, near to the historical city center).

Pave the way to your new brick patio

Need a new project? Get outside and build a new patio or sidewalk, even if you already have one.

Many patios and sidewalks are made of poured concrete. If you'd rather have something that doesn't look worn and dirty - and doesn't need to be power washed each spring - consider laying new brick pavers directly over the old surface.

"There are a number of advantages to doing it this way," says Laura Schwind, a registered landscape architect for Pine Hall Brick, the largest supplier of clay pavers in the United States. "The biggest is that the base is already there, and you instantly improve the appearance of your property without having to dig up your old concrete and haul it away."

With concrete that's smooth and even, start by choosing the type of clay paver and a pattern. Keep in mind that there are "thinner" pavers (1 3/8-inch) for these applications, and that some patterns, like herringbone, will require more cuts than others.

Next, lay a "soldier course," which means laying a line of bricks perpendicular to the edge of the concrete to form the outside frame of your project. The secret is to use four dots of masonry adhesive on each brick, each about the size of a penny, which allows rainwater to pass underneath.

On the inside of the soldier course, cut pieces of roofing felt to put a single layer inside the frame covering the concrete, and don't overlap the felt edges. Then lay a second layer of felt perpendicular over the top of the first layer.

Starting at one corner, begin laying the brick in place, leaving a 1/8-inch gap between the pavers for sand. Finish by sweeping concrete sand between the joints until they are full.

"It's time and effort," says Schwind. "But it's worth it. When you're done, you'll have the beginnings of a new outdoor room where you'll want to spend some time relaxing."

The law of attraction and positive thinking - a powerful combination

Recently the release of the movies "The Secret" and "What The Bleep Do We Know" have created quite a stir of curiosity. Many people have been inspired by the information released in these movies and are now contemplating how they can begin to adopt the Law of Attraction and positive thinking as part of their everyday living. The movies were an amazing forward for those who have not previously heard of the Law of Attraction and quantum physics, and were released at a time of immense spiritual transformation and conscious awakening on our abundant planet.

How do you define the Law of Attraction? In the words of Abraham this universal law can be explained as "That which is like unto itself is drawn". Whatever you focus on a consistent basis, you will attract into your life.

Our universe, and everything within it, is made up of energy fields that produce varying vibrational frequencies. Our words, thoughts, feelings, actions, beliefs and attitudes all contain vibrations which are attracted to other like vibrations. Our current reality is a representation of what we have created, invited or attracted with our words, actions, thoughts and feelings. The quotation by Thomas Dreir is a great explanation of this universal law 'The world is a great mirror. It reflects back to you what you are. If you are loving, if you are friendly, if you are helpful, the world will prove to be loving and friendly and helpful in return. The world is what you are.'

Unfortunately, manifesting your desires is not quite as simple as taking time out to visualize your desires and from there the Law of Attraction and positive thinking will do the rest. Unless you have a magic genie hidden under your bed it is unlikely that millions of dollars will magically appear in your life as you sit on the couch meditating on your dream of becoming unbelievably rich. Yes, we definitely do have to determine what we wish to achieve and visualize what we desire, however there are two other vital ingredients which are extremely important if you wish to achieve your gaols.

Firstly, focus attention on what you desire and feel the excitement within as if your desire is currently in your reality. If it is a new car that you desire, then feel the excitement as you hold in your hand the keys to your dream car - visualize the color and shape, smell the leather interior, hear the purr of the engine and feel the power as you drive your brand new car out on the open highway.

Secondly, if you would like to achieve your goals more quickly you must do something that moves you towards your goal. Visualizing and talking about your goals is fantastic, however, by consciously putting in place a daily action, be it big or small, you will bring your dreams into your reality much quicker.

Our Universe is abundantly generous and willing and able to deliver our requests - so be careful when wishing for something and ensure that it is truly what you desire. It is time for you to take control and actively create the life your desire by applying the Law of Attraction and positive thinking.

Free golf lesson how to keep your head down eyes on the ball

Even after playing the game for years (decades?) you never know what's going to happen each time you step foot on the golf course. Personally speaking, it is this “unknown” aspect of golf that makes the game the most exciting sport to play, and nerve wracking too! I try to hit a full round at my local course at least three times per week and every game I play is an entirely new experience altogether.

Because of the hundreds of unexpected shots that golf brings you, it is imperative that you take advantage of your practice time. Regular practice is the only way that you can experience some of the irregular situations your golf ball may get into. And speaking of practice, the best advice that I can give is to start utilizing unconventional approaches to your golf game.

What Does Unconventional Practice Mean?

Far too many players spend the majority of their time hitting long distance shots at the golf range, with a small percentage attacking their basic short game shots. Either way, neither one of these approaches practiced 100% of the time will present you with the opportunity to make those strange and undesirable shots that a real golf game will inevitably give you.

Free Golf Lesson: Look Away

To give you a perfect example of an unconventional practice shot, here is a lesson that can help you keep your head down and eyes on the ball when initiating your swing when your ball is in a troubled spot.

Step 1: First take your stance to the right side of the ball if you are left handed, and to the left side of the ball if you are a righty. Now face away from the target. Not looking directly at the target may seem awkward at first, but go with it, relax, and loosen up your body.

Step 2: Now hold the club (whichever you like) with it extended downwards from your most dominant hand. The blade should be pointing towards the ground, directly at your feet.

Step 3: Next, place the blade of your club behind the golf ball and turn your head slightly back in order to properly aim your shot.

Step 4: Pull the club upwards while extending it forward. Then swing the club down and along your target line as best possible. Follow through as far as you possible can.

Step 5: Resist the urge to turn around to see the end result. Simply concentrate on following through and getting the ball back in to play towards the green.

We “older” golfers tend to forget basics, and/or ignore them…. Don’t, it’s always a good idea to get back to them regularly.

Top 10 tips on avoiding sports betting scams

The online gambling world is filled with predators that are waiting to yank your hard earned money right out of your pockets. Even in today’s Internet and its higher communication level, there still exist a good number of sports betting outfits that you want to stay away from. Today, we are going to look at ten tips that can help you stay away from danger and bet more safely online.

Tip One: Who Are They?

The first thing you should do before spending even $1 at an online sports book is research. Look for their company information and see where they are located. Do they have a phone number? If not, move along. If they do, give it a call.

Tip Two: Search Engines

Before spending any money, take a moment and visit one or two search engines like Google, MSN and Yahoo. Type in the name of the site and see what comes up as well as the company name. If you find blogs and forums of people condemning the place, find somewhere else. A good place to start is sportsbookie. com.

Tip Three: Contact Email

One good move would be to locate their email address on the website, or the contact form, and drop them a quick message. Let me know that you are thinking of signing up and ask them a question or two. See how long it takes them to respond. If you don’t get any response for some time, leave.

Tip Four: Cash-out Time

Good sports books will process your payment within 24 hours. There’s no reason or excuse to wait longer. This one is tough to know. Using Tip Two can help your research.

Tip Five: Bonuses

Most online sports books offer some sort of bonus and that’s great. However, you have to watch out for the places that offer bonuses that seem too good to be true. Read the bonus terms to see what you must do to qualify and withdrawal the bonus. If there’s no data on the bonuses, the place might be a scam. Check out the blacklisted companies in sportsbookie. com and avoid those!

Tip Six: Betting Lines

This one is pretty simple. Rogue sports books will sometimes alter their lines to seem really favorable to the general public. Look at the lines from some other sports books and make sure they are somewhat similar. Most sports books will have various lines, but they will all be pretty close in terms of odds offered.

Tip Seven: Deposit Methods

Look for sports books that offer many different options of betting. Stay away from any online gambling source that only takes cash, check, money order and Western Union. Reputable sports books will take deposits from 3rd party financial services like NETeller.

Tip Eight: Deposit Amounts

Walk away from any sports book that asks for a large initial deposit. Good sports books will let you deposit as little as $10. Places asking for huge initial deposits are the ones you need to stay away from.

Tip Nine: Small Deposit Practices

As a general rule, you should refrain from depositing a large amount of money into any sports book. Deposit the amount you will bet for a couple days and work with that. Once you feel comfortable with the sports book or if you know they are legitimate, you can deposit as you wish.

Tip Ten: Bonus Checking

If you are working towards a bonus, make sure you check the bonus status (or points) after each bet conclusion. Software is known to fail and make errors. This does not mean the sports book is try to cheat you. If you discover an error, contact the sports book at once.

There you have it. Follow these ten tips and have a safer online gambling experience. These tips will help keep you out of harms way and let you concentrate more on the fun part of sports betting online and winning. Good luck.

The crux of all stress management tips is you are the creator of your destiny-not the victim

A language teacher had problems with one of his students. The student was weak in learning the spellings of the words. He was weaker in memory. He repeated and wrote those words many a times, yet when it mattered, he spelled them incorrectly!

The problem words were: Mathematics and Stephenson!

The teacher provided him an easy technique to learn the spellings and said - ‘So, by tomorrow, you need to be thorough in these words, said the teacher!’

‘Tomorrow never comes madam, you told me so, I will tell the correct spellings of the words, just now!’ said the enthusiastic student!

The tips given by the teacher, made it so easy. What teacher did was to fragment the words.

The shape of mathematics was mat-he-mat-ics!

Stephenson was Step-hen-son!

Stress management tips are also some what like that!

Do not make a big burden of your stress. With some imaginative handling of the situation, the load of iron bars can turn into a load of cotton!

Here are some of the stress management tips:

1. Just go for a brisk walk, and try to make it a part of your daily routine. Let it be a stress free walk - don’t you remember the poem that you sang in chorus at the primary school level, ‘Work while you work, play while you play that is the way to be happy and gay.’ The times have now arrived to translate the words, all those goody goody poems and proverbs that you crammed to score high percentage in your language paper, into reality.

2. It is better not to have foes. But if you have one, avoid him. Because his poisonous tongue is the root cause of your mental agitations. Have friendship with people with genuine feelings.

3. Avoid doing what upsets you most.

4. Be a practical man and do not imbibe too much idealism in your personality. Give clearcut answers and don’t be vague. Know your limitations and do not promise that, that you can not fulfill. A definite NO is far better than a confusing, vague YES.

5. Join a social, spiritual or a socio-spiritual organization. Being helpful to the society, is a great feeling that will relieve much of your tension.

6. Take the advise of a specialist, if the nature of your stress is too pressing. If you think that you have reached a point of no return. These experienced counselors have practical solutions, in their quiver!

7. Let not your life be like an overloaded truck. Unload yourself; unburden yourself.

8. Be ever calm. Be positive, even the worst situation will do you no harm.

Stress management tips are just the indicators. You have to develop your own strategy to manage stress. ‘You are the creator of your own destiny-not the victim’. Understand this golden rule well!

Internet poker strategy

When it comes to playing internet poker a good and intelligent player will base his play on the information that is available to him. It is important that they should have all the information relating to the basics of the game along with what betting limits are in place and just when they need to fold their cards. Certainly having a good internet poker strategy in place is extremely important to any player whether a novice or professional before they start playing.

When it comes to playing online today there are a number of different sites which now provide a facility for those playing to record the history of each game that they take part in. By having this facility available to them a player is able analyze their moves from a game they took part in previously and then using this they will be able to hopefully avoid making the same mistakes in the future. It is important that when working out any kind of strategy when taking part in a game of poker a player know how to calculate the pot odds in order that they can determine whether they are likely to win or not. Plus it will help them to find out which are the best kinds of hands to play in order to ensure that they win on a constant basis.

It is important that the strategies a person uses when playing should help them to decide when they should raise, when they should be betting and when they should fold as they need to be able to analyze very quickly how the game is going. It is important that they learn how to use tactics on how to bluff even if they hand they have is only moderate. Using this kind of strategy within a game will help to confuse those that they are playing against and may cause them to reveal their cards earlier than they wanted to.

It is important that one internet poker strategy that all players must keep in their mind at all times is not to play above their budget. Those that play within their budget limits will often find that they have increased their chances of winning as often they discover that their losses and their wins will generally cancel each other out through out the course of the days play. Therefore by developing your own strategy when playing internet poker will in turn help to increase your chances of winning in the future.

How to convert your car to run on water gasoline and double your mileage

:
If you are like many vehicle owners getting annoyed by the amount fuel costs, you need to read further. This is a new way to literally save thousands on your fuel bill.

People around the world in many countries are tired of the high and ever increasing fuel prices

Several sources have claimed that the price of oil will reach $200 per barrel by the end of 2008.
This mean that you have to pay about seven dollars per gallon of gas - which is extremely high and unaffordable.

There are several common alternatives to avoiding this rising price in gas:

1. Use public transportation and sell your car. Many people have converted to using public transportation because it it is cheap but it have it disadvantages. This solution will not work for people who are always using the car to pick up their children, go to work, go shopping, and other various tasks.

2. Purchase a hybrid car. You could also buy one of those hybrid car, but this is not an option for those who can't afford one. It could cost well over $20,000.

3. Get better gas mileage with your current car. Getting better mileage with your current car is the best option for you. There are many ways to get better gas mileage. Owning your own car and paying less for gas is even better than public transportation or buying a new car.

You could start doing the following to get the best gas mileage:

1. Accelerate slowly.
2. Prevent sudden breaking or acceleration by looking ahead.
3. Keep your speed constant.
4. Maintain your car. Check your oil and tire pressure regularly.

Many of these are very time consuming and in modern day life are not very realistic.

The best solution for you is to convert your car to run on water. This method will save you up to 75% of gas and will double your gas mileage in some case.

It has been proven that water could be used as fuel in order to increase the fuel economy and decrease the pollution. This new technology will cost you less than $200, it is easy to install, maintain and remove. Your engine will runs quieter and smoother, which helps increase your engine life.

Another benefit of using water to fuel your car is that it will prevent pollution.

Thousands of drivers have converted their car to use water as fuel. It is simple, cheap and will save you lots of gas money. Click Here for more details
The benefits of using converting water into fuel:

- Your car life will increase
- Your car will gain power
- You might double the mileage on your car and get a fuel economy increase of up to 75%

Fox News recently broad-casted an interesting and very important video report.
A savvy automobile owner has come up with a very simple yet incredibly efficient way of boosting his old car’s gas mileage by up to 100% - that means several thousands of dollars economy every year.

The creator claims that his developed invention converts water into a gas called HHO (2 Hydrogen + 1 Oxygen). Also called Brown's gas or Hydroxy burns better than regular gas at our fuel pumps and provides more energy. This process is often referred to as Hydrogen Fuel Cell conversion.

Gas prices are on constant rise and the fuel economy question is starting to get very serious. More hybrid cars are sold all over the world, concepts of electric cars and Hydrogen fuel cell cars are developed in almost any country and finally there is a way for you to add a little something to fuel efficient revolution.

Car owners seem to forget or maybe ignore the fact that they could get better gas mileage simply by changing the way they drive. You do not need to buy an ugly and slow prototype in order to save on gas. You could increase gas mileage of your V8 truck as well! To get better gas mileage you should follow these simple rules;

• Accelerate gently. This will use less gas.

• Keep your distance - every time you stop you will have to accelerate.

• Take your car to a mechanic; simple air filter change or spark plugs replacement could greatly increase gas mileage

• Drive slower. Going over 120kph will use up much more gas.

• Change gears as soon as possible - low gear uses up to 30% more fuel than needed.

Our cars’ engines are designed in such poor way that they only burn about 20% of the fuel – the other 80% is wasted in heat and unburned gas (pollution). When converted to money at 3$ a gallon – per every gallon your car actually uses only 60 cents, and 2.40$ is completely wasted. When you convert your car to run on water, you create a gas which helps burning the fuel in a better proportion.

Instructions on how to convert car to run on water are also available for sale on the Internet. There have been many skeptical people that do not believe in the efficiency of the system – but there doubts always vanish after finding out that the instructions come with 2 month full satisfaction money back guarantee.

Is it not only the “saving money” part that attracts people - when you convert your car to run on water you also increase your car’s engine longevity and you greatly decrease the pollution. The system allows you to burn gas more efficiently – which decreases the noise of the engine and the wear and tear of the motor’s parts.

The system is composed by simple parts that are basically bolted on the engine. It could be done at almost no cost, by anyone and to any car. The system is completely untraceable when taken off of the engine.

Just imagine yourself buying half the gas you are buying now! Wouldn’t it be nice to have an extra couple of thousand of dollars for Christmas presents? For a vacation? For a down payment on a new car?

I hope this article gave you enough of useful information to consider converting your car to run on water.

More information on HHO Fuel

HHO gas is the latest innovation to increase gas mileage you may have seen it in the news. When you make an HHO fuel cell for you car or truck you will increase power and improve emissions.

Your car will be a water hybrid of sorts by using water. An HHO Generator creates HHO gas and is not exactly zero point energy but you can expect to see and increase in gas mileage of 20 - 50%. HHO gas car kits sell online for hundreds or even thousands of dollars and they are worth every penny! Just think how much fuel savings you would have if per vehicle and if you had a fleet of vehicles the savings could be substantial! If you have a vehicle and you would like to make your own HHO or browns gas kit for your car or truck there is a lot of information available online. How is HHO gas utilized in a gas or diesel engine. This technology can be used both for gasoline and diesel engines providing to help increase mileage.

When you convert your car to burn on water you are converting water to a gas that your engine can use. HHO gas is then inserted before your intake manifolds airflow using your engines vacuum. This gas is then mixed with the gasoline providing better gas mileage. What is amazing is the process is so simple to convert water to gas. The parts to build this homemade hydrogen generator or hydrogen on demand system are easy to procure and most can be found around the home or shop for under $100 per vehicle or closer to $60 if you price shop online! Just think a hydrogen on demand system that costs you less than two tanks of gasoline when you fill up at the gas pump! What is nice is it requires very little modification to your vehicle and can be removed within minutes without leaving a trace. If you have seen HHO gas in use on the news than it is no surprise that this technology actually exists. It is making a comeback due to the rising costs of gasoline. If you have been watching this news this same technology has been used also for generating HHO gas for high temperature welding.

So HHO gas has more uses other than being a gas supplement to increase mileage. There are many forums that focus on experimental HHO gas fuel cells or hydrogen cells also using a device called an aqua pulser that can even make the water fuel cell even more efficient. There are even plans and sources for creating a device that varies the frequency of the current introduced into the fuel cell to help the experimenter generate the most HHO gas.

HHO or browns gas technology is an supplemental alternative fuel source that can help you save gas, reduce emissions, increase horsepower while providing a cleaner and quieter engine. Some are even using this technology on their motorcycles, mopeds, motor scooters, even riding lawnmowers and tractors.

5 factors affecting the cost of laser hair removal

Laser hair removal is gaining popularity as a method of permanent hair removal. Permanent hair removal saves the time, cost and hassle of waxing, shaving or using crиme hair removal products. The cost of laser hair removal can be high, but depends on several factors.

What is the Cost of Laser Hair Removal?

This is the most commonly asked question by people considering laser hair removal. The price depends on several factors. You should expect to have several sessions with the laser. Even in smaller areas, each follicle needs to be hit during its growth phase. This will take a few sessions, as not all follicles are ever in the growth phase together.

Although laser hair removal prices can be high, many people find the cost worth it to have the unwanted hair removed permanently. In many cases, the cost is in the range of other permanent hair removal techniques. Laser isn’t more expensive than the cost of electrolysis. Consider what you spend now for hair removal. Over time, you will save money on the cost of body waxing or depilatory products.

5 Factors Affecting the Cost

1. The size of the area being treated. The laser can be used on any area of the body, excluding the eye area. Smaller areas, such as the pubic region, require less time than larger areas, such as the legs, chest or back.

2. The area of the country where you live helps determine the cost. Sessions range from $300 to $500 per session, depending on where you live.

3. The number of sessions you will need. This will be discussed during your consultation. Four sessions is common, but it could be anywhere from three to six sessions.

4. The color of your hair and skin is a major factor in the cost of laser treatments. Because the energy from the laser is absorbed by the pigment in the hair, it’s best if your hair is darker than your skin tone. Dark hair on light skin responds best to treatment. The procedure is least effective on blonde or red hair. Several sessions will be required and the results may not be consistent.

5. The color of your skin is another factor that will affect the cost. Very dark skin isn’t a good candidate for laser hair removal. The energy from the laser is absorbed by the pigment in the skin. In extreme cases, this can result in burns or skin damage. For this reason, you should not have a suntan when you sit for laser hair removal. Avoid tanning for a month before the procedure to give your tan time to fade.

Choosing a Facility on the Cost of Laser Hair Removal

You should never choose a facility based solely on cost. This is not a cosmetic procedure, but a medical one. You want a highly trained and experienced person handling the laser. You may find discount clinics offering this service. Be suspicious of this type of clinic. A clinic with a well respected and experienced staff generally doesn’t offer deep discounts. You don’t choose your other medical care based only on cost, so you shouldn’t do this will laser hair removal either.

Choose a clinic based on the qualifications of the medical director and the experience of the staff. Look for a doctor that is Board Certified in Dermatology and who has had training and experience with the laser. The better clinics have more than one board certified doctor on staff. The atmosphere of the office should be professional.

Ask about the experience of the person performing the procedure. Most states require a physician or a RN under the supervision of a physician. Ask about the number of procedures and any adverse reactions that have occurred. If possible, speak to a few former patients about their experience.

Camp out at fort wilderness

:
The Fort Wilderness Resort and Campground continues its tradition of being one of Disney World’s best kept secrets. The only campground at the Walt Disney World Resort offers a tranquil getaway for families and couples alike. Relax within the confines of the lush Florida landscape lined with rustic woods teaming with friendly, local wildlife.

Where can I stay?

For the well-traveled visitor, Disney provides top-notch hook ups for mobile RVs. The adventurous crowd is encouraged to pitch a tent and unwind in secluded campsites after a long day at the parks. If your party values the pleasures of comfort and convenience, make yourself at home in the spacious Fort Wilderness log cabins. Each fully air-conditioned cabin comes equipped with cable TV, VCR, kitchen, daily housekeeping, and a charcoal grill for cookouts. All guests are invited to take advantage of strategically placed ‘Comfort Stations’ which include private showers and laundry services.

There always something to see and do!

Guests are welcome to kick back and relax at Fort Wilderness’ private white-sand beach, Bay Lake Beach. Other activities near the water include boat rentals, two full-size swimming pools, and fishing for the entire family (catch-and-release only). If you like to stay active even while on vacation, there are several tennis courts on site (equipment rental not available) and bike rentals along the three-quarter mile path to Disney’s Wilderness Lodge which also serves as a jogging trail. Young children will surely enjoy Chip ‘n Dale’s Campfire Sing-a-long, where they will sing songs and roast marshmallows all while watching a Disney feature film under the stars. Hit the trail with the kids and enjoy the petting farm, pony rides, horseback riding, and carriage rides. Be sure to visit the cornerstone entertainment experience at Fort Wilderness, Hoop-Dee-Doo Musical Revue for a musical comedy the entire family can enjoy.

All that fun’s made me hungry!

No sweat. Fort Wilderness also offers various dining options on-site. For a quick bite in a casual atmosphere, visit Crockett’s Tavern and enjoy a menu that includes: pizza, smoothies, appetizers, and a full service bar. If you’re craving a bigger meal head to Trail’s End Restaurant for a family buffet in a quaint, rustic setting. Now, if you don’t feel like you want to sit still while you eat, treat yourself to a great feast at the Hoop-Dee-Doo Musical Revue dinner show. You may also want to pay a visit to Mickey and his friends at Mickey’s Backyard BBQ for an all-you-can-eat character picnic.

A great alternative to standard accommodations

Now going 24 years strong, the Fort Wilderness Resort and Campground continues to cater to the adventurous Orlando traveler. If you’d like more information on this resort, feel free to contact them directly at: (407)-824-2900 and you’ll be one step closer to enjoying the great outdoors!

Third millennium debt reduction

As a result of the boom in the market for loans, borrowers are really celebrating. It is no longer a science and an art to secure loans. Loans are no longer playing hard to get. In fact, don't we have to deal with cold calls from loan companies telling us to avail of their latest "exclusive" offer? The deals that they provide may not really be all that exclusive, but the fact is that loan companies are availing of aggressive selling tactics in the world of today. They are no longer content with playing the wait and watch game where the customers themselves decide that they need a loan.

The loan companies of today are doing their best to expand their client base. This may mean placing salesmen at strategic locations, or sending salesmen from door-to-door. Borrowers mean business for the loan provider. Thus, the loan provider is keen to increase their profit potential. And this need not only mean large amounts. Smaller borrowers with smaller needs are not being spared either.

Now, this is a great boon for the great chunk of middle class people who require money at various points of time. However, given their limited income, they should take care not to be entrapped by debt. Every one of us is aware of stories of how well-meaning people have fallen into the debt trap that was laid by crafty, greedy moneylenders. However, with the figure of the scheming moneylender being replaced by the stable, impartial banks and financial institutions of today, the idea of being entrapped by debt has decreased in probability.

But this should not make us unaware of the risks of availing a loan. Sometimes, our ignorance about the world of personal finance leads us to obtain loans that are a costly proposition. Thus, paying the monthly installment amounts every month turns out to be a daunting task. And, in case certain troubles do occur, as they always do, this financial strain gets exacerbated. However, we should not take this to be a permanent condition. If you are wishing that you could reduce your current debt, stop wishing! With the boom in the world of loans persisting for a while, switching from a more expensive to a less expensive loan could hold the key.

In fact, whenever you are looking for a loan, make sure that you shop around extensively before deciding on the best bargain. This may seem like common sense, but it is amazing the number people that just go with the first deal that presents itself. You might be feeling a little overawed at all the jargon that keeps being thrown around. But that should not be any excuse for you to take the easy way out and apply for the first deal you see. Remember, this might seem like the easy route at the outset, but if you do choose a loan that is rather expensive, you would end up paying a lot more than would be necessary. Only by scouring the markets a lot can you come up with the best bargains.

Are the foods you eat putting your health at risk

Food (and water) is the absolute first thing you need in order to ensure life. Without it you would wither away and die. You need food for its nutrition and for its sustenance. But are the foods you consume today supplying you with good solid nutrition, or are many of them slowly robbing you of your health and taking years from your life?

Here are some things to consider:

THE HAZARDS OF EATING MEAT

Eating meat (particularly pork and red meat such as beef) in of itself is unhealthy especially when eaten in too large of quantities. Certain meats, such as beef, can take up to 72 hours to digest completely. Therefore, if you eat meat two or three times a day, you could still be digesting the food you had for breakfast the other day while you are again consuming another round of it.

This explains why many autopsies reveal from 5 to as much as 40 pounds of undigested meat still in the systems of many people! Now, imagine how unhealthy it becomes if the animal where the meat came from was treated with antibiotics and other artificial health sustainers? These chemicals stay in the meat fibers; and no amount of washing, cooking, or boiling will get rid of them. Do you really want that in your food?

Hence, many people today are immune to antibiotics for humans. They ingest the antibiotics from animals, and the extra strong antibiotics kill both the good and bad bacteria in the human body. The more you eat chemically treated meat, the more you weaken your body’s defense mechanisms. This hazard is aggravated further when the meats are processed with artificial flavors and preservatives.

PRECAUTIONS WHEN CONSUMING FISH

Many “fresh” fish in the market today are loaded with preservatives to lock in their “freshness.” Some use formalin, a chemical used in embalming human corpses, to preserve newly caught fish. A few wicked sellers may wash marketed fish with food coloring or textile color to give these fish a “fresh” look. To ensure your safety and enjoy the nutritious benefits of fish, buy them from trusted sources only.

PRECAUTIONS WHEN CONSUMING BREAD

Many white breads are hard to digest. Their hard residues stay long and may form blockades in the intestines. Moreover, eating white bread actually rapidly elevates blood sugar levels in your body. Whole wheat bread is a healthier food alternative to white bread as it supplies better nutrition, but many of the whole wheat breads today still have preservatives because they are commercially produced. Make sure it is made with “whole wheat flour” and not “enriched whole wheat flour”. Always check the ingredients just to be sure.

CHEMICALS IN FOOD

Aside from having their nutrition values greatly reduced, a lot of food today is treated with harmful chemicals. Washing, cooking, and boiling for long hours may lessen the chemicals in your food, but these harmful substances may not be fully eliminated. Peeling the skin off some fruits will not ensure safety either.

Imagine swallowing and accumulating all those fertilizers and pesticides in your body. Do you still wonder why we have so many deadly diseases today that were unheard of in the days of our ancestors?

Insects know better. They will not touch crops with pesticides. That is why you will find these crops sold in the market without any sign of insect bites. People buy them because they look clean and delicious. They don’t know that these outward appearances conceal inner hazards of the food they are buying. Some people think it is a good option to eat fruits and vegetables that show a few nibbles from insects.

PROCESSED FOOD

After having your veggies and fruits treated with fertilizers and pesticides (and these are given to farm animals as part of feeds), they also undergo artificial processing to prolong their “freshness.” They are treated with preservatives, which mean more chemicals. Some instant noodles are treated with chemical wax, which may be cancer causing. Do you know that these noodles are banned in some countries?

Because processed food terribly lacks real nutrition, their sellers sometimes put synthetic vitamins in them and pass them off as “plus factors” for good health when actually; these synthetic vitamins often do little to nothing for you or in some cases can even harm your health.

If you want to live a long, happy, and healthy life, always be on the lookout for the presence of preservatives in your food. Look at the labels and find out if some of the ingredients can be harmful to your health.

New york casinos

New York is world famous and really needs no introduction. The state is home to the Hamptons, Broadway, and 42nd Street, as well as many historical sites including the Statue of Liberty, Ellis Island, and the Empire State Building. New York State has a population well above 18,976,000 and is one of the world's premiere hubs for the arts, entertainment and theatre. The New York art scene alone has influenced aspiring artists from all over the world; in addition the state is one of the major releasing areas for Hollywood and indie films alike. The size and volume of tourists visiting the state each year is staggering.

New York Casinos are part of the excitement that is New York. There are a good number of Native American-owned New York Casinos, ranging from "table-games-only" Class Three style operations to the New York Casinos, which offer high stakes poker, video bingo and other types of gaming. You can find New York Casinos in many different areas; Irving, Seneca Falls, Union Springs, Hogansburg and Salamanca just to name a few. Many New York Casinos are planning expanded offerings in the electronic gambling arena as state legislation allows. Don't be discouraged if your first visit to New York Casinos doesn't offer your favorite game, it could be just a matter of time before that favorite is a regular attraction!

In addition to the land-based casinos, New York has casino boat gaming. This operation entails getting a ride on a boat which travels three miles into international waters. This is where all sorts of varieties of gambling is allowed, gambling which may not be permitted in shore-based New York Casinos. On your boat ride you may encounter blackjack, craps, video poker, roulette, Caribbean stud poker, let it ride, and slot machines. The advantage to boat-based gambling includes a great scenic ride to accompany the thrills of playing casino games. A buffet is often included in the service, but let the rider beware. You must be twenty-one years of age or older to play casino games on the boat. Tickets are quite reasonable, often around fifteen dollars to ride.

New York Casinos offer an interesting diversion many people forget to consider in their travel plans. When you plan your next excursion to New York, search online for the nearest New York Casinos on your route and give them a try. You will be pleasantly surprised at how much fun such an outing can be! Remember to plan your trip to New York Casinos carefully. Make a budget and stick to it, gamble responsibly and above all, have fun.