Unsecured consolidation loans dependable option without security

Are you stuck in debts that have outgrown your financial capacity? Then it is time for consolidation of loans. If you are not likely to offer security for consolidation loans then your search should start with unsecured consolidation loans. Unsecured consolidation loans help you overcome outstanding debts when you do not have collateral to place.

Unsecured consolidation loans are usually applied for by tenants who do not have home. However, that does not mean homeowners can’t apply for unsecured consolidation loans. Homeowners are eligible for unsecured consolidation loans if they do not want to give the title to their home.

Unsecured consolidation loans consolidate debts at lower interest rates. This is elementary to unsecured consolidation loans. With unsecured consolidation loans, the lender gets no security for the loan amount he is lending. So, unsecured loans have comparatively higher interest rates. But don’t get stuck with the idea that unsecured loans have higher interest rate. There is a lot of competition for unsecured consolidation loans which makes finding lower interest rate for unsecured consolidation loans even more feasible.

Unsecured consolidation loans that do not lower interest rate, are in fact offering you an impracticable solution. Unsecured consolidation loans must have lower interest rates than the combine interest rates you are paying for all unpaid debts. Since the interest rate is lowered, so are the monthly bills. However, unsecured consolidation loans may not always mean paying lesser every month. Sometimes, paying more means paying the bill faster. With smaller monthly payments for longer term you are paying more interest rate. Try to repay unsecured consolidation loans in less than 10 years.

Asking for free quotes is one way to know unsecured consolidation loans expenditure. Take quotes from different lenders and then compare. See which lender offers you lowest cost for unsecured debt consolidation loans. This will also enable you to find unsecured consolidation loans for your situation.

Personal, family and household debts can be covered under unsecured consolidation loans. Money owned as credit card debts, medical care, automobile, or any other unsecured loans can be paid back by unsecured consolidation loans. With Unsecured consolidation loans, you can borrow Ј5000-Ј25,000.

If you have good credit, then there is no better way to use it than take unsecured consolidation loans. However, that does not imply that bad credit history is unacceptable for unsecured consolidation loans. Bad credit will tag along higher interest rate.

Unsecured consolidation loans are synonymous to convenience. Instead of many creditors you have just one creditor to deal with. Also if any problem arises, it is easier to sort it out with one lender. So, no more debt collection attempts. Unsecured consolidation loans lender, henceforth communicates with your previous lenders.

Unsecured consolidation loans pose no real threat to your assets. However, of course payment should be done on time. Unsecured consolidation loans lender can and will claim his money in case you fail to repay. Failure to repay will mean bad credit ratings. You can talk to your lender if you fear you are going to make faults with your payments. Mostly an unsecured consolidation loans lender will be sympathetic towards your troubles and will offer healthy solutions.

Stop yourself firmly from taking debts you can’t pay. Unsecured consolidation loans is directed towards paying loans back and unlocking that one key to becoming debt free eventually. Make good use of this opportunity and think carefully before you make the final decision.

Some one who is in debt is so desperate that he think anything will help. However, it is not so. There is no single magic bullet to make your loans disappear. Your efforts will be fundamental in making the debts melt. If such an increasingly important responsibility is on you, try finding unsecured consolidation loans that say “well done”.

Teachers job stress reduction

Teachers, job stress reduction is important to your health. You know that. Your physical bodies, emotions, minds, and spirits are all involved in school work. Even on holiday, you may find yourself working, or at least thinking about your work.

Such dedication need not be negative. A teacher should, above all, be a person who wants to make a big difference in students' lives. The challenge is to make that difference without permitting stress to drive you out of teaching. The challenge is to practice good stress reduction techniques.

Understanding Stress Reduction

An understanding of stress reduction must begin with an understanding of stress. Stress is not that stack of un-graded papers. Stress is not the child who insists on asking endless questions, no matter how well you explain. Stress is not a matter of two teenagers leaping into the aisle to fight, while the rest of the class chants, "Fight, fight, fight." Stress is not the parent who calls repeatedly to complain that you are not doing what is best for her child. Stress is not even the principal inviting you to the office for a job review conference.

All of the above are stressors, not stress.

Stressor Defined

A stressor is a stimulus that causes stress. The illustrations above are of stressors. When Job broke that expensive science equipment, his action was a stressor. When Betty brought her father's spearfish for show-n-tell – and stabbed it into your right arm – that was a stressor. They were stimuli that caused stress. They themselves were not stress, but they stimulated stress.

Stress Defined

Stress is your RESPONSE to the above examples. "Good stress" or "bad stress" is produced dependent on your response. Which calls for job stress reduction?

On the one hand, you respond negatively in fight-or-flight mode. Adrenalin floods your body and muscles tense. Blood is shunted from extremities to core organs. All systems are "go" for fleeing or fighting the enemy.

On the other hand, you respond positively by becoming excited and challenged. Endorphins power happy determination to move ahead. You are flooded with a feeling of euphoria, ready to make the best of the stressor.

Stress, negative or positive, is your response to stressors.

We continue with a brief look at the two kinds of stress.

Eustress – Beneficial, Good Stress

Teachers, job stress reduction programs are unnecessary when the stress involved is eustress. Eustress is an appropriate, positive response to the stressors teachers meet. "Eu" means "good" in Greek. Picture joy and laughter. Eustress is pleasant, healing stress.

Eustress may appear to be an emotional, mental, spiritual, or physical overload, but it does not drain away power. It energizes you; helps you handle the overload. Teachers' job stress reduction programs should begin with a presentation of eustress and the benefits it offers.

Distress – Detrimental, Bad Stress

Most teachers' job stress reduction programs focus only on distress. Distress is an inappropriate, negative response to the stressors of a teacher's job. "Di" means "two" in Greek. Picture double trouble coming your way. Distress is often a disabling, crippling stress.

Distress, like eustress may appear to be an emotional, mental, spiritual, or physical overload. Unlike eustress, distress drains power for anything other than fight or flight. Distress tires you; freezes the brain, and makes it difficult to handle the overload. Teachers' job stress reduction programs should include a presentation of distress and the detrimental effects it carries.

Employ Stress Augmentation!

Paradoxically, teachers, job stress reduction can be as simple as job stress augmentation. You need to augment, or increase, eustress on the job.

Remembering that stress is nothing more than your response to the demands placed upon you, recognize that you have control over job stress. You may choose to respond positively or negatively; with eustress or with distress.

Look at the following two examples.

1. You face a huge stack of un-graded papers at the end of the day.

A distress response is to sigh, and take "flight" down the hall for another mug of stale coffee and some small talk. Eventually, you plod back to the classroom, "flight" still written clearly on every part of your body. You sit down forlornly, and gaze dejectedly at the clock. Your shoulders slump as you reach for the first paper. You wish for job stress reduction, unconsciously defining it as a magic wand that will make the papers go away. That does not happen, of course, and you begin to reap the detrimental effects of distress.

A eustress response is to smile, allot 2 hours to finish the work, and divide the stack into 8 stacks. Now you have bite-sized work piles. You set a goal of completing each stack in no more than 15 minutes – less if responsibly possible. Promising yourself a cup of coffee after the first hour, you tackle the first stack, eager to meet or beat you goal. Augmenting eustress, you enjoy job stress reduction and all of its healthy benefits.

2. Betty insists on asking endless questions, no matter how well you explain.

A distress response is to "fight" with Betty, stress reduction hopes shattered. You feel neck and shoulders muscles tighten. A frown yanks your mouth downward as you approach Betty's seat. Unconsciously, you clench your fist. You will not permit Betty to demand so much attention, and you make that very clear in sharp, "fighting" tones. Betty cowers into silence, and you begin to reap the detrimental effects of distress.

A eustress response is to smile quietly, and see Betty as one reason you decided on a teaching career. You want to teach Betty stress reduction along with proper listening techniques. You wait for a time when the rest of the class is occupied, and then go quietly to Betty's desk. Smiling, you take Betty's hand and lead her gently into a quiet, private part of the room. Relaxed and happy, you set a goal with Betty. You and she will work together to help her listen in such a way that she needs fewer questions. As she learns to control her response to the stressor of listening, she can win small rewards along the way. By the time Betty returns to her desk, you both are happy. Augmenting eustress, you enjoy job stress reduction again.

Tip: Teachers, job stress reduction is a choice. No elaborate stress reduction program is necessary if you have the backbone to commit to augmenting eustress and refusing to engage in distress.

10 reasons why your family should go on a disney cruise

1. You have children age 12 and under

Every child should experience the magic of Disney at some point during their childhood. It is a special trip they will never forget and will cherish forever. The only way they’ll ever experience Castaway Cay is aboard a Disney vessel. A Disney cruise is an excellent way to experience everything Disney has to offer.

2. You have teenagers

Disney cruises realized long ago that small children grow older and developed programs for teenagers also. If you go on a cruise without your teens, you’ll worry about what they’re doing while you are away. So bring them along on a Disney cruise – they’ll love it.

3. You are planning a cruise without your children

Why leave the kids with grandma when you can take the kids along on a Disney cruise? Disney cruises plan itineraries for your children (all the way to midnight) no matter the age group. So, each of you can enjoy yourselves separately, and come together for meals, ports-of-call, etc. When the children are with you, all the worrying about their well-being is eliminated.

4. Away time for the parents

With the kids safely onboard and their fun-filled itineraries planned, Mom and Dad can enjoy some time on their own with the peace-of-mind that their children are safe. Should the need arise; an onboard paging system can make contact with parents at any time. Whether you want to go to an onboard coffee shop, health spa, or a nightclub – Disney cruises understands and can accommodate you.

5. Excellent dining

Opulent dining choices are always at or near the top of all cruisers’ lists of what they want in a cruise. Disney understands this and offers excellent cuisine for all. There is even an adults-only formal restaurant, the Palo, which specializes in Northern Italian cuisine. The kids will like Animator’s Palate where Disney scenes decorate the walls and change from black-and-white to vivid color before dinner is done.

6. Onboard entertainment

Disney boats feature original productions at the Walt Disney Theatre. These area all live, Broadway-style productions with a cast of Disney characters the whole family is sure to recognize. Also, movies are featured in two locations onboard – at the state of the art Buena Vista Theatre, and under the night sky near the Goofy Pool on a jumbo LED screen. Plus, there’s more to the onboard entertainment than plays and movies – activities have been custom-tailored for all types of passengers. The Oceaneer Club is designed for the youngest sailors, ages 3-7 complete with a trained staff to help them enjoy the fun. For kids a little older, ages 8-12, there is the Oceaneer Lab with interactive games on a giant video wall. Also, kids can enjoy playing ship captain at Ocean Quest. Finally, for teens there are teen-only clubs designed to look like an apartment or dorm room where the tough-to-please can socialize with their age group. There are also activities designed for the whole family to enjoy together like the Studio Sea where Mom, Dad and the kids can participate in a live game show and sing karaoke together.

7. Locations visited by Disney Cruises

Disney Cruises feature a stop at Castaway Cay, Disney’s private island. Other stops featured on the Caribbean cruises include Nassau, St. Maarten, St. Thomas/St. John, Key West, Grand Cayman and Cozumel. The Mexican Riviera cruise features a trip from Port Canaveral through the Panama Canal with stops at Castaway Cay, Aruba, Cartagena, Acapulco, Puerto Vallarta, Mazatlan, and Capo San Lucas.

8. You want to do something different for Spring Break

It may be a little-known fact that Disney Cruises are a very popular choice for the college-age crowd during Spring Break, and it’s easy to understand why. A Disney cruise provides an alternative for those young adults not wishing to participate in the regular rites of debauchery in which so many other young adults partake.

9. You’ve never been to Castaway Cay

Castaway Cay is Disney’s private island and it has features perfect for the whole family. Kids and teens can venture to Never Land and adults can go to Shangri-La. Of course, the whole family can relax together on the beach and take in some sun.

10. You’ve never been on a cruise

Disney Cruises is a great choice for those travelers who have never been on a cruise. Even if traveling without children the excursion will be a trip you will treasure forever. Disney cruises has many ship excursions planned no matter the season and there will surely be a trip that fits into your busy schedule.

Pets how to take care of your dog

The Bond that can come between a person and a dog can be extremely strong, especially if that bond had been strengthened living with each other for many years, I have personally cried after loosing our family dog that had been like a best friend to me from my birth till I as 15 years old, when he was hit by a car one morning.

Dogs serve many different needs for people. Some people get a dog because they are lonely and need a loyal friend or because they want a dog to protect the home. A dog that is taken good care of and given attention to regularly will give his life to help protect his home and his owner. For the blind a dog can be a pair of eyes to help them get around and for the police a dog can be an important tool and a loyal partner, with a nose that nothing can beat.

The first thing you need to know about taking care of a dog is that dogs need lots of exercise. This is the same for large dogs and small dogs. All dogs need to be let out at least once every 8 hours and should given at least a 20 minute walk to give the dog some fresh air, exercise and a chance to relieve themselves.

It is also important to play with the dog on a regular basis. This can mean going to the park on a weekend or day off and having a good game of fetch, tossing the ball around in your back yard or just wrestling on the ground with the dog, just make sure if you are ruff housing with a little dog that you don’t accidentally hurt the dog. Playing with the dog for a half hour a day, is not only good for the dogs physical health but a dig that is played with regularly is mentally healthier and less likely to become a depressed dog, it also lowers your blood pressure as well and it will form an unbreakable bond between you and your pooch, which will extend to your family if you should start having one after having the dog.

What you feed your dog is very important to the dogs continued good health. The better dog foods will be marked for what are groups the food is appropriate for. Younger dogs need certain vitamins and minerals in larger amounts then an adult dog, and the same goes for an elderly dog they need more calcium in their food to help protect their bones and joints. Feeding your dog the wrong food can stunt the dog's growth and opens the dog to a larger risk of surgery when they are older.

Just like a person a dog should be taken to the veterinarian's office every 6 months, and must receive their shots every year. Regular checkups and vaccinations will also help assure that your dog grows to be an old happy dog.

The power of pulsar

When it comes to wristwatches, there are a few names that stand above the rest as symbols craftsmanship, quality, beauty and elegance. Pulsar timepieces are beautifully crafted watches for both men and women that come in a wide variety of styles to suit every person’s taste.

Pulsar is a subset of the watch brand Seiko. The Seiko name came into existence more than a century ago in Tokyo, Japan. The Seiko name has only grown in popularity since its inception in the 19th century, and today the Seiko Pulsar watches are some of the most sought after watches in the country. Seiko watches are so popular because they all use high precision technology to create unfaltering timepieces. The materials of which they are made are also of the highest quality, so that they do not easily tarnish or scratch. The Pulsar watches meet the high standards of the Seiko name.

Pulsar watches are for men and women of all ages, but because they are of such high quality and are made with such fine materials, they are best for the older generation. Ladies who understand the necessity of craftsmanship and quality love the gorgeous Mother of Pearl Swarovski crystal-encrusted Pulsar wristwatch. Its design is exquisite, and is shimmers and sparkles with a flick of the wrist. Men will swoon for the gear flight chronograph watch. It is a sturdy looking timepiece that is crafted with a seamless and contemporary design. In addition to these two examples, there are countless Pulsar watches made by Seiko that have their own unique style.

To have a Pulsar wristwatch is to have a timeless symbol of quality and beauty.

Sources:

seiko. com

Cost of spam and why use anti-spam filter

E-mail is now being abused. The flow of spam on the Internet is the proof. It is annoying to download hundreds of disgusting spam emails into the inbox looking for some legitimate messages. Not only you waste your valuable time to delete junk emails by hand, you also waste your money as each spam message in your inbox takes precious kilobytes of bandwidth you paid for. In addition, spam messages can contain viruses, which can infect your computer system, and hidden tracking codes, which work as soon as you click on the message and let the spammer know that your email address is valid. With all that said, it would be great to delete the messages that you don’t want to receive beforehand and launch your email client to pull down only good emails. Anti-spam software can do this for you. It helps you fight against annoying spam.

There is a wide choice of anti-spam filters available on the Internet. The common services or features they offer are:

• Whitelist and Blacklist. The decision whether an email message is spam or good is taken based on the sender’s email address. The whitelist contains “friendly” email addresses, and the blacklist contains potential spammers, or simply people you don’t want to communicate with.

• Filtering based on the message subject or content. Some words or phrases are met in spam emails more often than others. These are usually vulgar or adult words (sometimes too offending). Thus, filtering based on a keyword is rather helpful.

• Virus scanning. There is possibility that spam email contains a virus in the attachment. Certain anti-spam programs allow you block emails with various suspicious attachments.

• Automatic spam detection. Some anti-spam filters can check inbound email and delete the emails they consider as spam automatically at a regular basis.

• Email recovering. Some spam blockers provide you with the ability to move spam emails to a quarantine folder and keep them for a fixed number of days. In addition, there is the possibility to recover an email from the trash if you need it.

So, with the great features and benefits that antispam software offers, you can now easily block the majority of spam emails.

Keep that focus

One of the things most critical to home business success is defining one's goals. We are continually reminded to write them on paper, giving ourselves a deadline to meet them, so that we can remain focused on our ultimate dreams.

We need to keep them in front of us at all times in order to maintain the motivation often needed to get us over the rough spots in our businesses.

Wallace Wattles, in his 1910 classic, "The Science of Getting Rich," states:

"You must form a clear and definite mental picture of what you want. You cannot transmit an idea unless you have it yourself....That clear mental picture you must have continually in mind....The more clear and definite you make your picture then, and the more you dwell upon it, bringing out all its delightful details, the stronger your desire will be."

Does this mean that you must spend hours contemplating your ultimate goal? Of course not. It simply means that you need to know just exactly what it is that you want and want it so badly that it will stay in your thoughts.

I've personally taken this advice very much to heart. Regardless of what your goals are, it's possible for you to use this same method to maintain your own focus.

Let me explain.

My ultimate goal is for my husband and I to be able to retire to the area in which I grew up, the Mississippi Gulf Coast. I have a very definite image of what life will be like for us there, and each day I set aside a few minutes to simply close my eyes and dwell on the mental picture of some of the things we'll be able to enjoy -

walking along the beach at sunset, feeling the warmth of the sand on my bare feet (I can practically smell the salt air when I do this)

shopping in an unhurried atmosphere in the quaint downtown section of Ocean Springs, Mississippi - only a few minutes' drive from the exciting casino action of the neighboring town of Biloxi

reconnecting with friends and family and being able to enjoy reunions that I often missed due to living a long distance away

dining at local restaurants that serve the delicious seafood the area is famous for

I could go on and on, but you get the (mental) picture!

Carrying this one step further, I've gathered together some pictures, postcards, and other memorabilia that reflect the overall atmosphere of the area. These items hang on my wall in my office, right in front of me, so that I can have a constant reminder of exactly what it is that I am working toward.

I'm amazed at the effectiveness of these simple techniques!

You can apply these same methods regardless of what your goals are. Even if what you're working for can't be quite so clearly defined in words and pictures, you can still benefit from these exercises.

During those few minutes each day that you set aside to form your mental "picture," imagine the feelings that you will have when you have reached your own personal goals. Create an affirmation statement, using your computer and some attractive stationery to print it out. Frame this and place it in your own personal work area so that you will have a constant reminder of what exactly it is that you want to accomplish.

Focus, focus, focus....and your dreams WILL come true!

Learn to comedy craps - tips and strategies

Be smart, comedy smart, and apprentice how to comedy craps the appropriate way!

Is it accepted or a scam? Let's booty a look. I doubtable that

the angle of dice ascendancy is a big-money industry (perhaps,

multi-million dollars annually). You name it and they advertise it:

books, tapes, seminars, full-size conveyance craps tables,

half-size tables (a. k.a. throwing stations), bung bars, dice,

and conveyance grippers. But is it absolute or aloof an busy hoax

to blackmail you out of your hard-earned money? The acknowledgment seems

so obvious. Sadly, the apple will never be afterwards affluence of

people so addled by their afire admiration to win big that they

can't or won't stop continued abundant to anticipate alert afore handing

over their money.

If you've apprehend my added accessories and E-book, you apperceive my thoughts

on the apple of dice control, dice setting, attention shooting,

or whatever abroad you appetite to alarm it. In my opinion, it's a

silly apple alleged Fantasyland. I won't abound my added

works so let's get to the point of this article. You appetite affidavit

that dice ascendancy is a betray to rip you off? Consider one simple

question and its answer. Booty a abysmal animation and try to relax

your cutting admiration to get affluent off the casino. Now, ask

yourself, "Do you anticipate that the bank would acquiesce absolutely

skilled dice setters to comedy with an advantage over the house,

no amount how slight?" Be honest with your answer.

Again, "Do you anticipate that the bank would acquiesce absolutely accomplished

dice setters to comedy with an advantage over the house, no amount

how slight?" Of advance not. The bank has the appropriate to abjure

service to any amateur for any reason, whether you're too drunk,

too obnoxious, too lucky, too skilled, or too anything. If they

don't appetite you arena for any reason, they can acquaint you to

leave and there's annihilation you, the law, or anyone can do about

it. Consider blackjack agenda counters. Agenda counting is absolutely

legal, but if the bank thinks a amateur is agenda counting (and,

thus, has a baby advantage over the house), it anon

removes him from the game. The bank never accepts a amateur

advantage. The bank consistently has the advantage--always. Same

with craps. If the bank believes a amateur has an advantage

over the abode by agency of authoritative the dice, it removes him

from the game. The basal band is that back the dice hit the

back wall, no one knows how they'll animation off those elastic

pyramids. That's why casinos acquiesce dice setters to use their

wacky casting routines.

Again, "Do you anticipate that the bank would acquiesce absolutely accomplished

dice setters to comedy with an advantage over the house, no amount

how slight?" I've never heard of any of the alleged dice

doctors, dice wizards, or acclaimed multi-book dice-control authors

getting befuddled out of a bank because of their dice-tossing

skills. Accept you? According to their websites and accounting works,

they commonly comedy in casinos beyond the apple allegedly

beating the applesauce out of the casino. So, ask yourself again, "Do

you anticipate that the bank would acquiesce absolutely accomplished dice setters

to comedy with an advantage over the house, no amount how slight?"

Casinos accept been about for a continued time. They're big business.

Consider the multi-billion dollar resorts in Vegas (yes, that's

"billion" with a "b"). Do you candidly anticipate they haven't

thoroughly advised the angary of dice control? A amateur

advantage smacks those mega-businesses appropriate area it hurts--in

their wallets. Do you candidly anticipate the casinos would abide

and acquiesce a amateur to comedy with an advantage over the house? The

answer is accessible to me. Is it accessible to you? Put yourself in

the casinos' shoes. If you accept the appropriate to abjure account to

anyone for any reason, why would you acquiesce anyone to comedy with

an advantage over you, abnormally at a craps table? I agnosticism that

you would.

If you accede that casinos do acquiesce dice-control specialists

to play, and if you accede that casinos don't acquiesce players to

play with an advantage over the house, afresh what does that acquaint

you about all the books, articles, websites, newsletters, and

magazines that affirmation you can exhausted the applesauce out of the bank by

using dice control? I don't see how the acknowledgment could be any added

obvious or simple. Casinos acquiesce dice setters to play; casinos

don't acquiesce a amateur to comedy with an advantage over the house;

therefore, it stands to acumen that the bank doesn't accept

the dice setter can accretion an advantage over the house. It's that

simple. You capital affidavit that dice ascendancy is a scam? That

sounds like clumsily acceptable affidavit to me, how about you? If

it's accurate that the bank doesn't accept the dice setter can

gain an advantage over the house, afresh why should you accept

it?

If you still don't see the light, it's apparently because you're

desperately adhering to your afire admiration to exhausted the applesauce out

of the casino. You appetite so abominably the abstraction of dice ascendancy to be

legitimate that you can aftertaste it. You think, "Regardless of

what you say, I saw a guy aftermost night set the dice and he formed

point afterwards point. It formed for him, so how can you say it

doesn't work?" Simple. It was his about-face to get advantageous at that

particular burning in time. Anybody has acceptable times, characterless

times, and bad times. Even the dice setter gets advantageous

occasionally. The catechism is whether the dice setter is

consistently a winner. He's not. His hot band turns cold, aloof

as it does for everyone. Minutes afterwards his hot roll, the dice

setter afresh goes through his absurd motions, but this time he

immediately rolls a accident 7-out. As we abstruse in my added

articles, it's not the player's dice-shooting accomplishment or the

player's action arrangement that makes him a winner, it's the

distribution variance. The bold is advised for the amateur to

lose, so the player's alone achievement for acceptable lies with the

phenomenon alleged variance. Annihilation more, annihilation less. (Read my

other commodity titled, Variance.)

One added time, "Do you anticipate that the bank would acquiesce absolutely

skilled dice setters to comedy with an advantage over the house,

no amount how slight?" Rationally anticipate about that catechism and

its answer, and afresh adjudge for yourself if the angle of dice

control is a scam. If the bank doesn't accept dice setters

can accretion an advantage over the house, afresh why should you

believe it?

For a abundant account of why I accept dice ascendancy is authentic

nonsense, amuse appointment my website and apprehend the charge less sample

chapter on dice ambience from my new Ebook.

Now you know! Remember, apprentice how to comedy craps the appropriate way.

Student loans lose social security benefits if you don t pay

A vast majority of people take out student loans to pay for higher education. The Supreme Court has decided to make social security benefits a means of repaying them.

No Benefits For You!

While millions borrow money to attend college and graduate school, not everyone pays this money back. The failure to pay can result from circumstances such as a slow job market, failure to finish school and health problems. Of course, there are the select few who simply welch on the repayments. The U. S. Supreme Court rendered a decision on December 7, 2005, impacting people who are behind in paying their loans.

In Lockhart v. United States, the Supreme Court was asked to rule on whether the federal government could seize social security benefits to cover outstanding student loans. The case involved James Lockhart, a disable man, who sued to stop the government from cutting his monthly $874 check. Lockhart suffers from heart disease, diabetes and other health problems and lives in public housing in Seattle. He argued the forfeiture of part of his check made it impossible for him to continue to buy his medication and food. The Justices disagreed with Lockhart.

Under federal law, efforts to collect defaulted student loans had a 10 year limit. Put another way, the federal government was barred from hunting down delinquent payers after ten years. In the past few years, however, Congress did away with this limitation, which brought forth a conflict of law. The Social Security Act contains language protecting benefits from being seized as part of debt actions. In this case, the Supreme Court ruled that such protections only apply to private individuals, not the federal government. In short, social security benefits are no longer safe.

Currently, the total balance on outstanding student loans is roughly $30 billion. Of this amount, roughly seven billion are delinquent or defaulted loans. With 25 percent of loans in the red, one can see why the government has an interest in collecting the debt.

Personally, I don’t have any problem with this ruling. If you borrow money to go to school, you should pay it back. Failing to do so could deprive others of the same opportunity.

Oklahoma s approach to sex offenders

Despite the fact that America boasts of one of the most effective judicial and criminal systems in the world, we still struggle mightily with the problem of dealing with sex offenders who prey on innocent victims. American society has yet to find an ideal approach to dealing with this social problem.

This concern has resurfaced in recent weeks due to various high-profile sex crimes in media. With the dearth of an effective national approach to the problem states and cities have tried to deal with sex offenders in their own way. For instance, California has instituted a two-year civil commitment for convicted sex offenders, which means that these sex criminals will serve another two years locked up in a prison facility in addition to the official sentence handed down by the court in their case.

Oklahoma is dealing with sex criminals in a different way. The state has a law that prohibits sex offenders from living in most residential areas in an attempt to keep them away from families and children that reside in these areas. An updated version of the law stipulates that these criminals cannot move into an abode that is within 2,000 feet of day-care centers, playgrounds and parks. Schools have been a banned territory for sex criminals in Oklahoma for years. In addition, sex offenders who were already residing in such areas when the law was passed will be compelled to move residence if they are within 300 feet of these locations.

As such, the law practically expels sex offenders from most places in cities and towns in Oklahoma, which leaves little option but to live in the rural areas. And already, this possibility has raised an uproar in several rural venues in Okalahoma as law enforcement officers, civil rights proponents, prosecutors, lawmakers and children's advocates complain that the new law will make Oklahoma countryside less safe.

As one local parole officer put it, ``Residential restrictions actually increase recidivism'' and since these criminals will likely be based in rural communities, that is where they will likely revert back to their evil form.

In any case, national observers are keeping a keen watch on Oklahoma to see just how effective this new approach to sex offenders will be.

Which affiliate programs do i personally recommend

I personally receive over a dozen checks and commission payments every month from various affiliate programs that I promote.

Last month, those checks totaled more than $10,000 and some months they have been as high as $25,000.

Given my success as an affiliate marketer, I'm often asked what affiliate programs I personally recommend.

The answer is easy because it's actually a pretty short list.

First, let me explain what an affiliate program is.

Affiliate programs are used by monster companies like Amazon, eBay, and many others to recruit resellers (affiliates) to help bring customers to their websites.

But the affiliate programs I prefer are those offered by smaller companies that sell digital products online. Those are the programs that pay up to 75% commission, while most larger companies may pay just a few percent.

You can join an affiliate program usually by applying online at the company's website. Being accepted into the program gives you the right to market the company's products as an independent reseller and receive commissions when you make a sale.

I've looked at hundreds of affiliate programs over the years and have come up with my own personal Top 10 Affiliate Programs that I actively participate in and heartily recommend.

Some of these programs require that you pay a membership fee and some do not. The reason some programs charge a fee (including my own affiliate programs) is because you get more value as an affiliate.

In most cases you get a full-blown website from which to sell the products and copies of most - if not all - of the products you'll be selling. For example, I charge $124.50 to join my program, but you get access to over $500 in products.

To make my list of the Top Affiliate Programs is not an easy task.

First of all, I have to personally be an affiliate of the program and must have earned considerable sums to prove its validity.

To make my list the program must also:

Offer quality products that offer real value, no fluff

Offer high commissions (30% minimum, 50% preferred)

Offer 2 tier commissions (if the 1st tier payout is substantial, I can live with a single tier)

Have a proven track record of success

Have a spotless reputation

Pay commissions on time, every time

Have well-known affiliates who will vouch for the program

Be more than 6 months old

Have a low rate or returns

Be referred to me by someone I trust.

That last one's a biggie for me. If one of my peers recommends a program, I know it's going to be good.

So, here is my personal Top 10 Affiliate Programs that make me thousands of dollars every month and with a little time and effort, there is no reason they can't do the same for you.

These are the programs that I personally participate in and recommend. If you're serious about starting your own affiliate marketing empire, take a close look at these.

Internet Marketing Center

IMC was founded by the late Corey Rudl and is now headed up by Derek Gehl, Corey's right hand man. IMC racked up $40 million in sales and pays out hundreds of thousands of dollars a year to their affiliates. Their products are top notch, as is the support and the commissions. I regularly get checks from IMC that range from $3,000 to $7,000 a month. This program is free to join.

Click for details

DropshipDesign Turnkey Websites

This is the only turnkey dropship website company that I recommend and I have been their affiliate for 2 years now. I regularly earn $500 to $1,000 week as an affiliate and also have my own turnkey dropship product site that brings in revenue from orders placed by customers. You must sign on as a customer first, but doing so gets you your own turnkey website and affiliate marketing rights.

Click for details

Hot Item Finder

Dave Guindon is one of the nicest guys you'll ever meet online. He's also one of the most talented programmers and product creators. His flagship product, Hot Item Finder, helps users identify what's hot and what's not on eBay. It's one of the best eBay related products I've ever seen. Dave's affiliate program is also tops in my book. His product converts like crazy and his support is second to none.

Click for details

1stPromotion. com

No one knows affiliate marketing better than Rick Davies and his brother Ron. They are considered "The Masters" at making a six-figure affiliate income from home with affiliate marketing. Using that expertise, the brothers Davies have created 1stPromotion. com, which is quickly becoming the top Clickbank affiliate site on the planet. Their turnkey system is great for beginners at an extremely low cost.

Click for details

CBMall (Clickbank Mall)

I personally earn several thousand dollars in passive income every month with this system and there's no reason you can't do the same... and the great thing is, you don't even need a website to get started! No monthly charges. Great for beginners.

Click for details

Automatic Money Machine

Howard Mooreland's Automatic Money Machine has proven itself to be one of the top programs. Howard offers big commissions and his sales pages convert like mad. I never fail to generate hundreds of dollars anytime I promote Howard's products, which help users build a web site in just a couple of hours that can literally start generating money instantly.

Click for details

Emergency Cash Generators

James Jones always delivers by providing his affiliates with excellent products that sell like mad. I have done so well promoting James' new book, Emergency Cash Generators, 101 Profit Generating Techniques, that it jumped into my Top 10 after just one month. You can't miss affiliating with James.

Click for details

MyClickPages. com

MyClickPages. com is the program I created specifically for Clickbank affiliates. MyClickPages. com gives you a complete, professionally designed website from which you can sell my Clickbank registered products. I pay 50% commission on all sales. It's free to join, but please only do so if you are serious about affiliate marketing.

Click for details

DropshipWholesale. net

Naturally I have to recommend my own affiliate program. Yes, I charge for the affiliate license, but I also give affiliates a full blown website and copies of all my products and my track record is 2nd to none. I signed checks last year that paid out over several hundred thousand dollars to affiliates in 2004, so I know it works.

Click for details

Prosperity & Profits

My P&P affiliate program is one of the top programs on the web for serious internet marketers. As a P&P member and affiliate you get access to every section of the P&P website, including the wholesale database, the business opportunity and franchise database, the extensive ebook library, and more. Commissions are 50% of sales and paid monthly by check.

Click for details

There you go, my personal Top 10 Affiliate Programs, but don't think that is the definitive list. There are tens of thousands of products and companies that you can sign on with as an affiliate and earn commissions.

You can find most of them listed at Clickbank or Commission Junction.

The ringtone craze - ringtones of all shapes and sizes

Almost everyone owns a cell phone these days. People are probably more likely to be homeless than to not have a cell phone. Some people, like me, have more than one cell phone, usually one cell phone is for personal use, and the other one is for business. Cell phones are getting smaller and smaller, but they are also gaining more and more features. There are many cell phones available that can take pictures, send and receive email, open up Microsoft Word documents, and download ringtones to your phone. These ringtones allow you to hear a very unique sound when your cell phone rings. Ringtones are now available in a variety of different types and styles.

Right now I have a ringtone on my personal cell phone that plays musical tones that sound like the Blue Oyster Cult song “Don’t Fear the Reaper”. I have never heard anyone else’s cell phone with this particular ringtone before, so I feel like my cell phone ringtone is one of a kind. This particular ringtone is not actually the words and instruments from this song, but it is comprised of digital tones that match the song very closely. This type of ringtone is one of the earlier versions that were available online. I downloaded this song from a web site that sells a six month subscription to their site for a fixed price, and they allow you to download as many ringtones as you want during the subscription period.

One of the biggest crazes today is to have ringtones with song playing on your cell phone. These types of ringtones sound very good, because they are just as clear as the real song. Many different web sites offer this type of ringtone, which you can buy as a single ringtone, or download as part of a subscription. You can find almost any new release available as a ringtone, but some of these web sites have actually journeyed back into the past and made many older songs available also. Whatever your personality is, you can now find a ringtone to suit it.

Fountain pens and bad spelling equal huge bargains

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Most fountain pen seekers take a stroll through eBay looking for great deals. However, one secret to huge bargains are fountain pens up for an auction that are spelled wrong. There are a lot of people that have no clue what that fancy pen they found at home or inherited is worth, so they put it on eBay.

Many people misspell words. They wonder why there are no bids. Here's why . . . the item does not show up in eBay searches . . . nobody knows it's there. Many times you could be the only bidder.

You can find numerous "eBay Misspelling Tools" available online.

People have no idea what they are actually offering, not only do they misspell the name, they haven't a clue how to describe the fountain pen or take a compelling photo. It's recommended that you email the seller any question you might have.

However, make sure the pen has at least one bid (preferably yours) on it . . . before you tip off the seller that they actually have a fountain pen of substantial worth up for an auction. Once a bid has been made, the seller cannot change the price or description of that item.

You can find many of these pens in great condition, minimal brassing, clean and correct nib, a lever box in great shape, etc.

There is 'safe trading' advice offered by eBay that you should take to heart. By reading this advice you will be able to eliminate the anxiety of buying a product you can't personally check out, while buying it from some stranger.

Warning: there are a lot of fake fountain pens up for an auction on eBay. Do you know how to spot one?


- Does it have a serial number?

- Where should the serial number appear on the pen?

- Is the country of origin spelled correctly?

- Name of a manufacturer spelled correctly?


If you are still unsure on what you are looking for, there are many fountain pen forums online. These experts will be more than happy to answer any question you might have, just type in "Fountain Pen Forums" into any search box and then look around.

Not only should you be aware of fake pens, but be aware of bidder scams. Although rare in fountain pen auctions, it still happens. This type of scam is run by one person in control of two eBay accounts or two people with separate accounts. One eBay account will place a small bid on your fountain pen. Then another eBay account will place a very high bid. Right before your fountain pen auction is about to close, the high bidder will cancel or withdraw their bid, leaving the low bid as the winner. Setting a "reserve price" on your fountain pen will avoid this scam.

Hopefully, this information is beneficial to you in your quest to find a great bargain and not get taken when shopping for fountain pens at the world's largest flea market.

Information investment planning retirement-achieve your retirement goals

So you’re looking for information on investment for planning your retirement? The truth is, investing is the most important vehicle to help skyrocket you to achieving your financial goals. Without the power of compounding interest, you simply won’t have enough money for your retirement years.

The sad reality is that most people reach their retirement years without nearly enough money to support them and their lifestyle. Therefore, they either have to severely scale back their plans in their later years, or continue working just to make enough to survive.

All of this could have been easily avoided with some simple retirement and investment planning. So which investment vehicles are best to get you to your retirement goals? There really is no right or wrong answer to this question.

The truth is, many investors have made a fortune in many different fields, whether it be real sate investing, stock market, etc. So which is the right one for you? The best way is to pick one you are interested in, and focus on that.

However, the most important part is to pick one avenue of investment and focus on that. Don’t dabble in many fields; focus in on one, and stay with that.

For instance, if you decide to become a real estate investor, don’t also invest some in penny stocks, futures, foreign currency exchange, etc. It will simply eat away at your time you could be spending finding more real estate deals.

Now, here’s by far the most important component no matter which retirement planning investment vehicle you decide to go worth; find someone who’s already successful in that field, and model their success. For any result you want to achieve in the world, there are already people who’ve successfully done it.

Therefore, you could either stumble around, make a million mistakes until you learn how to be successful (like most do) or cut years off your learning curve by learning from others and modeling their success. Also, you might want to consider an investment in a financial retirement planning services company.

No, don’t completely surrender your financial future to these companies; however, these experienced companies can certainly give you some advice that will be helpful in helping you map out where you want to be in your retirement years and how to get there. Hopefully this information on investment for planning your retirement will help you achieve your goals, no matter how lofty they may be. Remember, don’t limit yourself in this process; think big, believe you can have it, and it will be yours.

The importance of obtaining backward links

I am sure that most people who have a website are looking into ways to help them to attract more people to read their site. There are many differing opinions on the best way to go about doing this but one thing that most people agree on is that it is essential to build up the number of backward links that point to your site. The question is how do we obtain these links?

It is always best to try to get other websites from the same industry as your own to add a link to your site on their site (on the homepage if possible). This is not as easy as it might seem as most of these people will be reluctant to do so. I have, in the past, spent hours phoning and e-mailing the webmasters from different sites which are in a similar field to my own site. Even when only one person agreed to my request after phoning up thirty people, I was happy. Hopefully this link will be permanent and over time could prove very valuable to me.

People who visit this persons site are now potential visitors to my own site as they may see my link and of course hopefully will click on it. In general the more links I am able to obtain the better, and in time I may well see an increase in my websites page rank. This in turn should move me up a few places in the search engines for my keywords, which of course should then result in more traffic.

This is the value of any backward link. If the page where my link has been added is a high traffic page or has a high page rank value then I am even more fortunate. As an example the link would be of far greater value to my site if it was placed on a page with a page rank five rather than a page with a page rank two.

How many backward links should I be aiming to obtain?

In my humble opinion you have to be careful not to build up the number of these backward links too quickly. It should be an ongoing project throughout the life of the website. If as an example you are able to obtain ten every week for five years, this would be superb. Where it can go wrong is if you obtain:

ten in week one

none in weeks two, three and four

three hundred in week five

none in weeks six, seven and eight

two hundred in week nine

This is very irregular and weeks five and nine suggests you have purchased a whole bundle of links. This could quite easily raise a red flag with the search engines.

There is no quick fix, hard work pays off and we all need to have patience. I always look to the long term and believe in time the work I put in today will be of great benefit to me tomorrow.

Other ways of obtaining links is by:

Writing articles

Purchasing a text link ad

Out of these two options I prefer the writing articles option. It can be quite boring to write these articles in some peoples opinion and in a way I agree. As I have already stated however, hard work pays off and this is a simple way of gaining one-way backward links. I try to ensure that each article that I write is informative and offers the reader some hopefully good advice. On average I probably write seven articles per week promoting different websites.

Stutter in child

When a child starts to develop a stutter, it comes as a shock to everyone involved. It can be a very stressful time for both the parents and for the child.

I myself developed a stutter at the age of four or five. My mother had left work to look after me when I was born and I started to talk as normal. Everything was fine until I started school. My mother - who now had more time on her hands, decided to re-start work and I would now be going to a friend of the families after school. This friend was called Jean and she had a son my age called Graham. On the first day I spent at her house everything was going well until Jean called us in for our evening meal. Meal times at my own house were a very relaxed affair, we were able to eat our food wherever we wanted to in the house.

At Jean's house they ate in a dining room around a dining table. There were a lot of people around the table who I did not know very well and eating in front of them all, made me feel quite uncomfortable. During the meal people were asking me various questions and for whatever reason, I found it difficult to answer and started to stutter. This was the first day of my life as a person who has a stutter.

My parents a few months later took me to speech therapy, the speech therapist advised them that most children will grow out of their stutter. I continued unfortunately to stutter until I was twenty two. At this stage I decided I had had enough and that it was time to overcome the stutter.

I decided to try and find my own stuttering solution. I went about this by reading books about self confidence as I certainly had a low self esteem. I also studied people who I believed were very good talkers and tried to work out how the spoke differently than me, for example the way they breathed.

After nearly a year I was proud to be able to class myself as fluent and as a career I now help other people to achieve fluency.

The perfect costumes for a medieval wedding

Perhaps she first caught your eye dressed in SCA garb, or maybe he looked dashing in his SCA armor. It could be that you were both wearing Renaissance costumes and enjoying a stroll through your local Faire when he captured your heart. Since then, time has passed and you're ready to tie the knot. If you're a fan of olden times, perhaps you're thinking of having a medieval wedding.

If so, you're not alone. More couples than ever are celebrating the beginning of their life together in full Renaissance costumes. And even the guests are getting in on the act, playing their parts and dressing in period garb. If your nuptials will have a medieval flair, you need the proper clothing and accessories. Here are some guidelines to get you started.

For Him

One of the most romantic looks for the groom is a cotton lace-up wedding shirt. For extra elegance, look for a shirt with rows of tiny tucks going down the sleeves and below the lace-up front. The shirts usually come in natural, black, and white, so he can wear the color appropriate to the season and time of day of your wedding. If he prefers a button front or you want a greater selection of colors, you can find a wedding shirt replete with tiny tucks that has three buttons going down the neckline. These shirts are often available in navy, grey, brown, mustard, teal, plum, wine, and forest green - one of which is sure to go with your wedding color scheme.

As for pants, depending on the season and time of day, you can opt for long twill breeches or knee-length twill breeches. The former are baggy, and usually feature both a button front and a drawstring at the waist, as well as drawstring cuffs. As the name implies, knee-length twill breeches have cuffs that tie just below the knee. You can typically buy them in a wide variety of colors, such as royal blue, tan, black, burgundy, or forest green.

For Her

For the Renaissance bride, it starts with the chemise. There are a wide variety of styles from which to choose, but one that's popular features sheer fabric that has demi sleeves and a sweetheart rose at the center of the neckline. For a more formal touch, there are chemises that feature extraordinarily long, hanging sheer sleeves and a gathered neckline. Similarly, a chemise with metallic gold trim at the square neckline is eye-catching.

As for your gown, you can go with something as simple as a cotton twill surcoat or as ornate as an Irish dress with a fleur-de-lis brocade bodice. You may even want to create your own gown; if so, there are numerous patterns from which you can choose.

For Both of You

If you're planning a medieval wedding, you'll also need the proper accessories. Dragons symbolize passion, monogamy, and love, so incorporating dragons into the ceremony or reception is wonderfully appropriate. Perhaps you'd like to wear a dragon double heart pendant, or you would like to use two dragon goblets for your toast.

If you're having a traditional ceremony, you'll most likely need handfasting cords, which will be used to bind you and your beloved's hands together with each promise you make to one another.

With the right planning, there are many ways to incorporate Renaissance themes and costumes into your special day. Celebrate with gusto!

Understanding asbestos

Lung cancer is the fastest growing cancer in the world. In the USA we have seen many cases of asbestos that are simply destroying entire families. Not only in states with a huge history in the construction industry, have show thousands of cases of asbestos victims, but over the last 15 years, mortality from lung cancer has more than tripled.

One of the most dramatic and serious problems with lung cancer is the most common and take 15 to 20 years to develop after exposure. Asbestosis, or scarring of the lung tissue, also takes 15 to 20 years to appear. This means that when asbestos starts to reveals it's presence the people responsible of the damages based on asbestos may be already out of business or not even alive.

Althoug many companies are already aware of the dangers of asbestos, removing asbestos from older buildings is a difficult, dangerous and expensive process, and clearly not a job for amateurs. There is good reason for all these precautions. Removing asbestos from public buildings must be done by a licensed contractor who is registered with the state. Obviously this sort of rules and conditions in the law, change of each states in the USA.

So why do we still have buildings with asbestos?

Well, the main reason is that depending on the extent of the work, removing or abating asbestos in a public building can run into hundreds of thousands or even millions of dollars, a very, very expensive kind of work for any company to afford.

In all the parts of the US, building owners are required to perform in-depth surveys of their property and report to the construction inspectors. If asbestos qualifies for removal, the building owner must contact and hire an authorized asbestos removal company, which will take care of this dangerous quemical, including removing it, transporting it and destoying it. In many cases if buildings are going to be destroyed, there are not allowed to to be demolished if there is friable asbestos present. Also, any sort of schools or educational center are required by AHERA, the Asbestos Hazard Emergency Response Act, to be inspected and have a management plan prepared, which is to be maintained and available for public inspection.

Now the interesting thing is how health experts are so keen in having different points regarding asbestos.. According to an university research , 2.3 of every 98,000 people living in buildings made from cement containing asbestos are liable to develop lung cancer. And it has been proved that health damage due to exposure to asbestos will certainly increase rapidly in the coming months and years. Healthcare maintenance workers and engineers can be unknowingly exposed to asbestos from many possible areas and sources. Engineers can be exposed while working in furnace rooms where boilers are insulated with asbestos, or when making repairs to old piping or doing minor renovations.

Asbestos is commonly found in ultramafic rock, including serpentine, and near fault zones. The amount of asbestos that is typically present in these rocks can be usually less than 1. So how really asbestos arrives to our lungs? Well, asbestos fibers can be released into the air when asbestos materials are destroyed. Objects with asbestos that remain in one piece represent little or no risk for our health.

Calculating your body mass index is your health at risk

Physical health can be measured (with certain exceptions) through the appropriateness of a person’s weight to his height; where the body weight refers to the measure of one’s heaviness and the height is the measure of his tallness. For instance, a woman measuring 5 ft high (1.52 m), with a medium body frame should weigh between 103 lbs to 115 lbs (46.72 kg to 52.16 kg) to be considered healthy.

Another example: a man standing 5 ft 8 in (1.72 m) tall, with a large body frame is healthy if he is weighing between 144 lbs to 163 lbs (65.32 kg to 73.94 kg). Otherwise, if their weight is lower than the desired body weight for their height, they are considered underweight. And if, in turn, their weight is higher than the desired body weight for their height, they are said to be overweight.

Body Mass Index is an indicator of surplus body fat and has since replaced the height-weight charts as mentioned in the above examples. It is a mathematical ratio of height to weight that is used to determine body composition (or body fat percentage) to assess a person’s level of health risk. Calculating BMI is as follows:

BMI = Weight (in kg) or BMI = Weight (in lbs) x 700

Height (in m)2 Height (in inches)2

For example, the calculation for someone weighing 80 kg (176 lbs) and 1.60 m (63 in) tall is:

BMI = 80 = 31.2 or BMI = 176 x 700 = 31.1

1602 632

People with a BMI of 25.1 to 29.9 are considered overweight, and people with a BMI of 30 or above are considered obese. Thus, from the example above, a person weighing 80 kg and is 1.60 m tall is obese. A high BMI assumes a higher percentage of body fat, which places a person at greater risk for developing chronic diseases and other serious illnesses.

BMI Weight Category

19 and under Underweight

20-25 Normal (Healthy)

26-29 Overweight

30 and above Obese

Body weight categories according to BMI

However, for some people, the BMI is not a reliable indication of health. A highly muscled individual who is very fit and healthy may have a somewhat heavy body weight because muscles pack on a lot of pounds. This person may have a high BMI that improperly puts him or her in the overweight or obese categories. Likewise, thin individuals who have a low body weight with very little muscle and a higher percentage of fat may have a normal BMI, which would be an incorrect indication of healthiness.

If you are overweight or obese according to the calculations shown here it is imperative that you undertake a weight loss and fitness program and start bringing that weight down. Remember that for every 10 pounds that you are over your ideal weight, the risks to your health increase and for every 10 pounds that you lose bringing you closer to your ideal weight, the risks to your health decrease.

Stopping foreclosure phase 2

Type in stop foreclosure on any search box on the web and you no doubt will query a string of articles that highlight ways you can negotiate with you lenders, restructure you loans, and usually get things worked out. In a perfect world this would always work, in fact in a perfect world you wouldn't have to worry about foreclosure at all.

But as we snap back to reality, those of you who have tried the tips and techniques discussed earlier may have realized that the world is anything but perfect. In my first article I discussed many ways to talk to your lenders, what to ask for and who to talk too. But where do you go after you run into a dead end with you lending institution? Well my friend, it's time to move to Phase 2. If you read my first article you should already be organized as discussed in "avoiding foreclosure phase 1." You should have also already have started putting aside twenty dollars a week for your "just in case" fund; but if you haven't start today!

A report by realtytrac. com stated that in 2005 approx. 846,982 properties when into some form of foreclosure. So I’m pretty sure your house doesn't need to be added to the list. Consider phase 2 the decision phase. I this phase there are some key decisions that Need to be made.

Where are you going to live? What are you going to do? What is the least amount you can take for your

Home.

The rules of engagement for this phase are pretty simple. Talk to your family or whoever is living with you and explain your situation; get input, get feedback then make your final decision. I said it would be simple not easy so if you have been keeping you situation a secret from someone who should know about it it's time to pay the piper.

Once you have had "THE TALK" it's time to shift focus back on stopping your foreclosure. In most cases the foreclosure process takes between 3-7 months but really depends on the laws of your state (which you should research) and the aggressiveness of you lending institution. That being said if you have spent the last month or so trying to come to an agreement with you lenders and the conversation ended with you still in the same situation, then it’s really time to get moving.

Lets me put it this way: if you make it to phase 2 from here on out you are focusing on selling your home by this time its either sell your home, or lay down and let your lender put you out, it's your choice. Since I never go without a fight I'll assume you don't either, so you need to decide what is the least amount you will take for your home. This isn't some pie in the sky number up with; it should be what you owe. That doesn't necessarily mean that this is what we are shooting for, but you need to have an exit strategy in place.

Also, you need to think about arrangements for where you are going to move, even if you never considered moving before, you should have an idea of where you can go after you aren't in your home anymore. Since Phase 2 last anywhere from 2-3 weeks now is the time to get aggressive with the saving you are going to need it, save as much as you can afford to.

Now, with that out of the way we'll move on to the next step

Organization

For those of you who read my first article on stopping foreclosure it's time to bring out your notebook. If you haven’t read my first article you can read the first phase of avoiding foreclosure on my website listed in the bio box at the end of this article.

Getting organized deals with collecting comparables because you need to find out what houses in your area are going for. This is easy to do, just jump in your car or take a walk around you neighborhood. You are looking for realtor signs and "For Sale" or

"FSBO" signs with literature about that particular home attached.

When you get back from your trip with the info you went after you are going to call local realtors in your area and ask them what homes in your area are going for. The realtor will usually have a list in the MLS that has the most recent homes sold in you area and what the selling price was.

Make sure you are comparing apples to apples here. If you have a one story three bedrooms with 1 1/2 baths make sure you find the selling prices of similar homes. FYI if the realtor that you call is any good he or she is going to ask a lot of questions. You don't have to tell them your situation but you do need to humor them a bit. And while you are at it have a little fun,” You deserve it."

After you have your comparables you are going to call your local penny saver and your local news paper. You are collecting classified advertising rates. Many times you local penny saver won’t charge you for listing instead the charge readers for the classifieds. One example of this is the Iwanna, the Iwanna is a local penny saver in my area and they don't charge one cent to

List.

Now that you have all your information, you are going to need to collect some supplies again if you read the first article I told you to save $20.00 a week for the first phase; this is why. Go to your local hardware store and buy 2-3 bundles of simple wooden ground stakes. You can find them at home Depot for about $6.00 a bundle.

Next you will go to an arts supply shop or even Wal-Mart and buy 10-20 sheets of the ugliest bright neon orange or yellow poster board you can find. These sheets should be 2'x3' or as close as you can get to it and should only cost around $2.00. If your wondering why the supplies? Well, they are for the for sale signs. (You didn't think we were going to let the bank

Take your home without a fight did you?)

The reason that you aren't buying those pre-made signs is because everyone is doing that, you want to look different and I have found that a simple homemade handwritten sign gets much better results when you’re trying to move a house fast.

Now it's time to automate because you already have enough to think about. This is another crucial step and shouldn't be avoided. You need to set up a dedicated 24hr hotline to take you incoming call all the details about the line and how to use it will be covered in Phase 3. Just know for now that you are going to need this to take messages for potential buyers when you aren't at home. You can find hotlines for less than 14 dollars all day long with a simple search on Google.

You are also going to want to have a way to display details about you home to shoppers. Since most Americans can't just stop working and many realtor won't touch this time of sale you have to be creative. A blend of a good classified ad with a FSBO website can really work wonders when it comes to collecting leads and scheduling showing times.

This opens up your options and will allow you to have more shoppers and buyers than you could reach otherwise. A service like this should only cost about $59-60 dollars for a 9 month listing. The ideal FSBO website allows shoppers to contact you via email and give you the ability to post pictures of your home on the website. This gives a shopper a better feel for the home than a classified ad would alone. Some FSBO websites actually generate an I. D. number so your buyer can pull up your listing.

Now that you have a list of the tools you need get shopping you should not have to spend more then $200.00 If you think you can't afford it, buy less ground stakes just don't skimp on the Hotline or FSBO website.

In the next article we will put it all together structuring a sale that might even make you some money.

James is the webmaster of two great resources that his readers use to help them stop foreclosure and sell their homes faster

Know the side effects of vasectomy male birth control

Of all the many variations of birth control options available for both men and women, choosing for the best one to use and practice is the common dilemma of most people. Birth control methods basically range from non-prescription options, which one can buy and use without prescriptions from specialists; prescription methods, the ones that require doctors' recommendation before usage; sterilization; and the natural/abstinence birth control practices.

Despite the wide variations of contraceptive methods to choose from, most sexually active males prefer the sterilization method as their means of birth control. Vasectomy, which is the medical term for male sterilization, is favored by most men today because it is permanent and its efficiency rate is higher compared to other forms of contraception. In this kind of sterilization process, the tubes in a male's scrotum are tied or sealed so that the sperm cells cannot get through the semen.

However, there are reported claims of side effects in vasectomy procedures. Some doctors and medical specialists even contradict to the efficiency and safety of this kind of permanent contraceptive method. Even though some of the noted adverse effects are not supported by clinical studies, it is still best to be informed on the procedures' possible complications before choosing this kind of permanent birth control method.

The following are three of the negative side effects of vasectomy male birth control method:

1. Susceptible to cancer

Unknown to most males, cancer is one of the adverse side effects brought by vasectomy. This happens when a man's body reacts negatively to the changes in his reproductive organ. There are instances when a man's immune system confused the sperm as a harmful substance. As a normal reaction of the body, antibodies are then automatically released, thus, making the arteries clogged. Note that when arteries are clogged, cancer cells are more likely to develop.

2. Occasional swelling and pain

Aside from being highly susceptible to cancer, occasional swelling and pain are also another known side effects of vasectomy birth control. Although these are regarded as non-serious effects of the said minor operation, swelling and pain are very convenient complications for most males.

Common causes of swelling and inflammation are the fluid hydrocels and the abscesses that occasionally develop when infection occurs. It is a good thing that the pain caused by inflammation and swelling can be remedied by regularly taking antibiotics and immediate consultation to a specialist.

3. Impotence or decreased sexual drive

Of all the reported complications associated with vasectomy, impotence or decreased sexual appetite is perhaps the most dreaded side effect of most men. Nothing is more frustrating to a man than not being able to satisfy or provide the sexual and intimate needs of his partner.

Decreased interest in sex, however, is not basically caused by physical reactions or changes of the body due to the operation. It is, rather, more of a psychological side effect that is associated with the stress and worries experienced by a man during the process of the vasectomy procedure. Best recommendation for this condition is psychiatric therapy or counseling that is to be conducted by an experienced therapist or doctor.

Health insurance for the recent college graduate

As you graduate college and head into the great, big, scary world, there are probably a lot of things on your mind. First and foremost is finding a good job, then finding a place to live, and then maybe figuring out how to pay back those student loans. One thing that might not cross your mind is health insurance. All of your life, you’ve most likely been a dependent on your parents’ coverage, but that ship is about to sail—if it hasn’t already.

We know what you’re thinking, “Why do I need health insurance? I’m young, I’m healthy, and doctor visits are few and far between. So why pay for something I’ll never use?” Hey, we understand where you’re coming from. But accidents and illnesses happen without warning, even to the strapping young adults such as you. Sure, health insurance is expensive, but not having it will cost you dearly.

First things to know

Let’s get one thing straight, health care in the United States is a nightmare, few will argue that. There are thousands of options when it comes to receiving care and paying for it, some of them good, some of them not so much. When it comes to choosing an insurance policy that’s right for you, confusion abounds. So let’s learn a little more about your options.

There are two essential categories of health insurance: managed care and indemnity plans. Though you’ll pay more for indemnity coverage, it offers much more flexibility than does a managed care plan. Through indemnity coverage, you’ll have your choice of doctor, lab, hospital or specialty clinic. When you seek medical care, you’ll have to pay an out of pocket expense—called a deductible—before your coverage will kick in. Deductibles range from a few hundred dollars up to $1,000 or more, depending on your policy. Also, indemnity plans require a co-payment on medical care; meaning you’ll be responsible for a percentage of the treatment costs along with your deductible. Generally, indemnity plans pay only for accidents or illness; they usually don’t cover preventative care.

Managed care is the complete opposite of indemnity coverage. Deductibles are usually smaller, co-payments are lower, and preventative care is usually covered. Your options, however, are limited. Through a managed care plan, you can only choose between health care providers who are contracted by your health maintenance organization. If you go elsewhere, you pay—the full amount. Since that’s a pretty rough deal, many managed care plans are offering hybrid options that include many of the desirable characteristics of an indemnity plan.

Which way to go

If you find a job that offers health insurance and you’re single, take it. It may not be perfect, but it beats anything you can find on your own. When you sign up through your employer, you’ll probably be confronted with many options. Take a good, long look at them and ask for help from a human resources representative if need be, but make sure you choose the plan that’s right for you. Chances are—if you’re young and healthy — you’ll want a plan with a low premium and higher deductible. Look for a plan that minimizes your out-of-pocket expenses. When it comes to choosing between and indemnity plan or a managed care plan, you may or may not have a choice depending on your employer. Both offer advantages and disadvantages, so make sure to crunch the numbers before committing to one or the other.

Make yourself a deal

Though health insurance is a costly part of our lives, there are ways to save. If you’re self-employed, shop around before you commit to a plan. If you’re under 50 and in good health, insurance companies will want your business, and cut rates are to be had. Also, take advantage of breaks from Uncle Sam. The self-employed can write off up to 45 percent of their insurance premiums. Some employers offer flexible spending accounts, where you can pay for premiums and costs not covered by insurance with cash that isn’t subject to taxes.

If you’re married and your spouse also can get coverage from their employer, weigh your options carefully. It might benefit you financially and coverage-wise if you measure the pros and cons of separate coverage, double coverage, or one of you opting out of your work’s plan and enrolling in the other’s.

Finally, if you’ve been healthy and believe you can get by with minimum health coverage, look into purchasing “catastrophic coverage”. This indemnity policy offers extremely low premiums, but deductibles can be very high—up to $2,500. Coverage is extremely limited to “catastrophic” events, which you’ll need to learn all about.

What is a merchant account

Merchant accounts are bank accounts that make it possible for a business to accept a credit card and/or a debit card as payment. While the accounts are offered through ordinary banks, they are not the same as the checking or savings account you have with your local bank. A merchant account is more like a contract between the bank providing the account and the business owner, with rules about how products or services are sold and paid for.

There are two types of merchant accounts a business owner can apply for. One is called an "Over the Counter" (OTC) merchant account, and the other a "Money-Order/ Telephone-Order" (MOTO) merchant account. The over the counter account is what a typical retail merchant has, and the fees for transactions are lower than the MOTO merchant account fees because in a retail establishment, the credit cards are physically swiped through a machine to make the transaction, while the Money-Order/Telephone Order merchant accounts charge higher fees due to the need to take two steps to process a card rather than just one and a higher risk of fraud.

An Internet based business will typically require a Money Order/Telephone Order merchant account. The customer enters all of their credit card information into a form on a website, where the data is then sent out for verification and the money is subtracted out of the cardholder's limit. In some cases the card is not actually charged at this stage, however. The money is placed in a holding account, and when the product ships out the card is charged for the purchase price.

Many people are lead to believe that it is hard to get accepted for a merchant account, particularly for a newly established business. This is not the case however, with many merchant account providers offering as high as 98% acceptance rates of applicants.

It's also common to believe that having the ability to accept credit card payments is too expensive for the average small business owner. With some banks, it may be too expensive as they may charge you an annual fee in addition to per transaction fees - but there are numerous providers that only charge you a small percentage of the sale amount when you process a credit card - an average of just 2-3% per transaction is paid to the merchant account provider. These merchant account providers are ideal for small business owners and online businesses that may only need to process a handful of cards each week.

The success of an ecommerce business relies on the ability to accept credit cards. It has been found that websites that only accept payments through bank accounts or by mailing check or money order do not have sales as high as competitors in the same industry - people want to be able to shop using their credit cards in a secure environment online and not have to mail a check or wait for payment to clear before their items are shipped. It's also been found that the average consumer will spend more when they are able to shop using their credit cards. Another advantage of having a merchant account for the consumers, is that it gives them the opportunity to use their debit cards (with the MasterCard or Visa logo) to shop online or in retail establishments, and deduct the money from their checking accounts without having to pay interest or card fees, but with the convenience of paying with a card over cash or writing an actual check.

Hair removal from razor to laser

Looking to remove some of those unsightly hairs form certain regions of your body? There are several options, each with its advantages and disadvantages.

Hair removal used to be the sole territory of women (North American women, at that!) but such is the case no longer. Men are getting hair removed in ever greater numbers, and for most of the population that is a good thing. The question for both men and women who wan to have hair removed is; ‘What treatment should I go for?” There are a few options, including the traditional razor, waxing, and a relatively new technique, laser hair removal.

The razor, of course, is tried, true, convenient, and cheap. However, if you remove that hair with a razor, be prepared for a lot of repeats. This can cause skin irritation and roughness. Also, using a razor on some of body parts is virtually impossible - men who want to shave their backs are going to be pretty much out of luck.

One alternative to the razor is waxing. Waxing is more expensive than using a razor, but it also lasts much longer. Waxing is also a better option for areas with a large amount of hair, and it even cuts down on some work. Waxing can also be done with more precision that using a razor, which is great for a nicely sculpted look.

The drawback to waxing, of course, is that it hurts. Make no mistake, you are ripping the hairs out be the root, and there is pain involved. Many people brave the pain, though, and are rewarded with a long term, beautifully sculpted hairless area. If the thought of waxing makes you want to run away screaming, there is another option.

Lasers are the latest rage in all sorts of cosmetic procedures, and hair removal is just one. Removing unwanted hair with lasers is painless, and as with waxing the effects are long term. Some people believe laser hair removal is permanent, but in fact it takes several treatments before the hair stops growing altogether. The downside to laser hair removal, of course, is the price. It is a very expensive procedure. Utilizing laser hair removal in just the bikini area can run upwards of $1,000. The cost of just one section of leg can be as high as $2,500!

Like a lot of areas in life, ease comes expensively. The more you are willing to spend, the more convenient the hair removal you may purchase. If you go the expensive route, make sure to shop around before signing the credit card bill!

What s hot and what s not on blog services

Although podcasting has definitely surpassed the popularity and usefulness of blogging nowadays, that certainly doesn’t mean blogging is a dying art. Not at all! If you take the time to browse around the Internet, you’ll see the members of popular blog hosting communities are still rapidly growing. If you’re not yet part of this crowd, you better jump on the bandwagon soon to experience the same fun and excitement.

Pressing the Keys at WordPress – How can you find high paying keywords for your Blog? Free $97 Secret Adsense Book at honestreview. info/adsense/index. html

There are a lot of things to look forward to at WordPress besides the wonderful fact that it’s free to use whether for business or personal purposes. Newbies and advanced users alike will enjoy blogging at WordPress with the many features available for use such as entry previews, blog categories, and blog rolls.

Thumbs-Ups: You can add plug-ins and customize your blog layout. WordPress also provides constant updates for their users.

Thumbs-Down: A bit of software knowledge is, however, required for users to properly install WordPress. If you have enabled commenting in your site, don’t be surprised to find that more than a few spammers are developing a habit of dropping by your site.

Fire up at FeedBurner Do you think your blog is worth broadcasting? If so, you should consider moving from your old blog community to FeedBurner. In this website, they won’t just help you create content, they’ll spread around the word about your blog as well. Is it really worth placing an AdSense banner on your blog? Get your Free $97 Adsense Secret Ebook on Adsense Tips today.

Thumbs-Ups: With the standard free package, FeedBurner allows you to set up the configuration for your blog for easy posting and even use an RSS subscription button to automatically update the readers of your blog. The website also lets you know the average number of visits your blog has per day with the FeedBurner hit counter and other traffic statistics. You can earn money on the sideline from blogging at FeedBurner because the website permits you to use Google Ads in your blog.

Guidelines for finding a san francisco hotel

San Francisco hotels are one great place to seek out luxury as well as economical lodging. Wherever in the city you are going to stay, the most important thing that you should know is what is the best way to find the right hotel to stay at? For this, it is necessary that you do your homework, as doing so will make you have no problems finding the right San Francisco hotel at the right price and with the amenities you desire.

Prepare your budget initially, as to what kind of San Francisco hotel you want to stay in. Are you more concerned with luxury lodging that offers swimming pools, room service, and a fancy restaurant? Or are you more interested in a clean and affordable hotel that will just offer you a spot to crash at night after long full days of site seeing and enjoying the city? Once you have an answer to all those questions, you can search more efficiently for the right hotel for you and your vacation.

Internet is perhaps one of the best places to look for your San Francisco hotel. Go through travel websites, which are available in plenty. Look for San Francisco hotels that are recommended by the users. Or San Francisco hotels that are offering getaway packages through the website? You will also be able to search by amenities and prices so that you can narrow things down to the two or three you think might best give you what you want out of your trip.

In the next step, narrow down your San Francisco hotel selection to one or two places. Call the hotel’s front desk and find out if they are running any offers that are not necessarily listed on the website. You can also find out what are the places of interest near to the hotel. Moreover you can find out what services are offered by the San Francisco hotel by speaking to their staffs who can give you inside tips and advice about the area. In addition, you get a feel for the people who work there, which is vital when you are looking for a place to stay in a city with which you are not familiar.

Going on a vacation to any city can be a lot of fun and a great way to get a little rest and do a little relaxing. But at the same time you must remember that a planned trip can be provide lot of pleasure while an unplanned trip can make things bad. It can spoil the entire mood of the vacation. In order to avoid so and to make your trip pleasurable and memorable for times to come, the most important thing to take into consideration while planning is to figure out where you are going to stay. Finding the right San Francisco hotel is your first step in planning that San Francisco vacation. Internet offers most instant and handy information and extremely helps you in your search for San Francisco hotels.

Remember the steps to follow, first of all make sure you know the best two or three places for you. Then, make some phone calls and get more detailed information on the candidates you have found. Once you do that, you will be able to make the right decision on the best San Francisco hotel for your vacation getaway.

Womens shirts

Women's tops are offered by most clothing retailers. One of the most popular types of women's tops that are offered by vendors are t-shirts. When you are shopping for t-shirts it is important to look for the size, color, design, and style that is right for the woman that you are shopping for.

The first thing that you will want to look for in a women's t-shirt is that it is the right style. There are many different styles to choose from including: long tees, short sleeve tees, baby doll tees, vintage tees, and puff sleeve t-shirts. In addition to the style of the t-shirt you may also want to look for designer tees.

The second thing that you will want to look for when shopping for a t-shirt is that it offers a color palette and design that will fit into your wardrobe and that also is appealing to you. If you will be using the t-shirt as a layering piece then you may want to buy several t-shirts in a variety of colors that compliment the other existing pieces in your wardrobe. If the t-shirt will be worn to work then you will need to make sure that its color and design are appropriate for a work environment. On the other hand, if you are looking for a fun casual t-shirt then you may want to look for one that offers a funky color and design.

The final thing that you will want to look for when shopping for women's tops of any kind is that they are the right size. Sizes seem to vary from designer to designer so if you are not familiar with the designer of the t-shirt that you are interested in it will be important for you to try on that shirt to make sure that it fits properly. If you are shopping online you will need to use the site's sizing chart to find the proper size for you.