High interest credit cards - for bad credit

Most high interest credit cards are usually easy to get and really the interest rate only matters if you roll over your balances from month to month. People that have had bankruptcies, judgments or just have a bad credit rating, for what ever reason are the most common applicants for high interest credit cards. Many low interest credit cards will allow you to transfer balances from your high interest credit cards but you must have a decent credit rating. The most important thing about a balance transfer card is the amount of money it will save you, especially if you have a high interest credit card that you carry a balance on.

Credit

Beware some credit card companies will try multiple ploys to get you signed up and then if your late on a payment for some reason, charge large fees even if your credit card payment is only one or two days late. Those who want to apply for a major high interest credit card to re-establish or to establish new credit should consider the price they will ultimately pay. Even those who don not qualify for low interest credit cards should still shop and compare to get the best deal available.

Interest

Most major financial companies base the interest rates on your credit score, this tells them whether you pay on time and just how you use your credit. If you have a card with high interest rates you DO NOT want to carry a balance. If you do get a low interest credit card and make a payment late, the default interest rate goes into affect, sometimes up to 22 percent, making it very hard to ever get caught up. The difference between high interest credit cards and low could be hundreds and even thousands of dollars a year.

Getting your high interest credit cards paid off should be your top concern. When your credit score improves try to transfer all of your high interest credit card balances, some transfer cards even offer 0 introductory offers for balance transfers, thus making it much faster and easier to pay off your debt.

Dog clothes

Some people love to make their dogs as cute as can be. For these folks there are dog clothes. Cute sweaters, doggie tee shirts, dog booties, stylish bandanas, and precocious little hats are among the items people will purchase to adorn their dogs with style. Dressing a dog is more about the owner than the animal, but as long as the clothing isn’t restrictive or overly cumbersome, most dogs don’t mind getting dressed up now and then for a night (or day) on the town and some breeds, especially those that crave attention, quite enjoy it.

The advent of the internet has taken the concept of dressing our dogs to new levels as websites offering all manner of “designer” dog clothing have popped up everywhere. With names like Glamour Dog, Designer Dog Wear, and Paw Printz Boutique (dot com, of course), these sites offer the tops in canine fashion for proud owners to place on their pups.

Years ago it was not uncommon to see a dog in a knit sweater or some other cute clothing article, but today there are nearly as many clothing choices for dogs as there are for people. There are dresses and slacks, raincoats, eyewear, headwear, footwear, and every imaginable item. There is doggie casual wear, for hanging around on the beach, doggie formal wear for those special black tie occasions and even doggie wedding gowns and tuxedos for the wedding of a doggie’s dreams!

In many cases the doggie designer clothing comes complete with a doggie designer price tag. Dog dresses at Glamour Dog dot com, for example, are listed with prices that run from $40.00 (for a to die for Mary Jane dress) to $86.00 (Pretty Pink Formal Dress). Some of these dog clothes cost more than a lot of people spend to dress themselves. But, the sites stay in business. Someone is buying this stuff.

Some personal favorites include the doggie trench coat ($70.00), the various college football jerseys ($25.00), and the 100% cotton doggie bathrobe – perfect for the pooch who wants to emulate Hugh Heffner.

The recent trend in excessive doggie clothing is undoubtedly spurred by the popularity of celebrity dogs like Paris Hilton’s infamous Tinkerbell and Anna Nicole Smith’s Prozac-popping puppy, Sugar Pie. Both pooches are rarely seen in public without some form of attire and the PR pooches are having an influence.

So, if you’re in the market for dog clothes that will turn heads and get your pooch noticed, designer doggie duds may be just what the fashion critic ordered. Just be sure not to combine designer labels or adorn your dog in designs that clash. After all, what could be more gauche?

Seo - increasing web presence by developing web content

One way to spread the word about your website or blog is to offer amusing and entertaining content to other sites. Other sites love free content that has bells and whistles or a useful function of some kin. There are several ways to do this. All it takes is a little creativity and some programming knowledge to create a piece of code that allows others to paste an object that relates to your site.

This piece of code could be any kind of Internet knick-knack. It could be a horoscope, a short poll or a guessing game. It could be a calendar, a list keeper or some kind of puzzle or word generator. The possibilities are endless. Just be sure whatever it is that you invent that it is something that your readers will want. For instance if you are writing a blog about astrology you might want to provide them with a piece of code that displays their daily horoscope. If you are doing a dating blog you might want to post a piece of code that generates a yes/no response from the reader such as “Who should phone back first after sex – a man or a woman?”

People also like free clip art. If you have the ability to create clip art or provide a clip art library (that relates to your theme of course) to individuals then you will be sure to attract more traffic to your blog. This helps get your name out there so that it is associated with creativity and unique resources.

A really good example of this type of content in action is at faзade. com, which offers a full-fledged tarot, rune, numerology and celebrity horoscope reading scheme as a free program that can be placed on other sites. The reason it is being cited as an example here is because it is so glitzy, full of bells and whistles and also very popular.

How to take advantage of rewards credit cards

Want to save on travel, pick out free merchandise, or receive checks in the mail? These are just some of the bonuses companies offer through rewards credit cards. With a little planning, you can make the most of your rewards credit cards.

How Rewards Credit Cards Work

Companies offer a vast array of reward plans. Yet the basic principle of all rewards credit cards is the same: you receive “rewards” for using the cards. For cash back cards, companies offer a certain percentage, such as 1%, return on all of your purchases. So if you spend $2,500 with your credit card, you can expect a check for $25. Some companies include a higher percentage, such as 5%, in cash back for shopping at grocery stores and gas stations. This way you earn more cash for regular household purchases. Think about it: the $2,500 you spend could bring in a $125 check – just for shopping!

Cash back cards are not the only type of rewards credit cards available; there are plenty of others to choose from. Some rewards credit cards offer a point system. You might receive one point for each dollar spent. You can then use your points to buy certain items. Others include rebates for gas purchases, discounts on hotels, and miles toward airline travel.

Do Your Homework

With so many options available for rewards credit cards, selecting a card can be a daunting task. To make sure you are taking full advantage of a rewards credit card, you first need to do some homework. Start by looking over your recent purchases. Do you always buy groceries at a certain store? Consider a credit card that offers a high percentage of cash back on grocery store purchases. Do you spend a lot on travel? If so, look into rewards credit cards that offer points toward free air travel. Do you have a long work commute? Rewards on a gas card will help you save on car travel. If straight-up cash is what you are after, a cash back rewards card can give you just that.

Besides considering your spending habits, think about your reward preferences. Perhaps you do not usually travel, but dream of taking a vacation to Hawaii. Sign up for a rewards credit card with travel benefits. You can take that fantasy vacation as a result of the reward plan. The bottom line: study your purchasing habits and lifestyle to find out which rewards credit card is right for you.

Make it Advantageous

While rewards credit cards offer great benefits, there are also potential drawbacks to consider. Some rewards credit cards include an annual fee or high interest rate. If you carry a large balance on your card, you may end up spending more on interest than you receive in benefits. However, if you use your credit card to make ordinary purchases, pay off the balance each month, or carry a low balance, then the rewards credit card can be very beneficial.

Enjoy the Rewards

By considering your spending habits and reward preferences, you can find the perfect credit card for your lifestyle. Apply for your rewards credit card today. Then start reaping the benefits. By next year, you could be flying for free – a great reward for using a credit card!

Extending sim card usage in thailand

I travel to Thailand 3 or 4 times per year and having a cell phone with a local number saves me a lot of money. Local calls are dirt cheap and long distance calls back to America are inexpensive.

All you need is an unlocked GSM tri-band or quad-band phone a Thai SIM card. A SIM, or subscriber identity module, is that little wafer chip about the size of your thumbnail under your battery in your cell.

You can get SIMs in almost every country you travel to and it only takes a couple of seconds to swap them out.

The problem with American cell phone carriers is that they lock the SIM to a specific carrier. So, you have to get it unlocked, a relatively simple task that will only cost a couple of dollars. You can try to get your service provider to unlock your SIM, but most likely you will have to be a long time customer with a compelling story to get it unlocked.

The easiest way to overcome this is to buy a cell phone in Asia. They are inexpensive and are not locked to specific carrier. New and second-hand phone are readily available and the prices are very reasonable.

The only real problem I have had is maintaining the same phone number in Thailand trip after trip. The way it works in Thailand, is you get your SIM, and then to add more money to it, you go to the local 7-11 or Family Mart, and buy a small, credit card sized, phone card. You scratch off a protective coating to reveal a series of numbers that you input into your phone. Whatever denomination of Baht you purchased is automatically added to your SIM. The company will also extend the length that your SIM is valid for.

In Thailand, for every 300 Baht (about 9 US dollars) added to your phone, you get one additional month of usage. My problem has been having enough months left on my SIM to keep my phone number for my next trip. My trips can be three months apart or sometimes six months. So I need to ensure that there is ample time on my SIM.

This trip I learned how to overcome this. I use a service called 1-2-Call and all that has to be done is to have someone with an abundance of months on their phone that they can transfer to you.

My girlfriend had a bunch of months on her phone, so she just called *140 and followed the prompts to transfer time a month at a time. I had her add 8 months to my SIM card and it only took a few minutes to conclude the swap. You can choose English or Thai and the instructions are very easy to follow. Just keep in mind that when they prompt you for "validity" this means how long the card is valid for.

I also found that I can use the same number to swap money from my phone to hers. I had a lot of money on my phone because I would try to increase the amount of months by adding about 1,000 Baht to my phone in hopes that I would have enough time to last me until my next trip.

In the past, I would buy phone cards for her so that she would have time and money on her phone to call me when I am back in America. This worked out even better. She got money added to her SIM and I got time. Definitely a win-win situation.

How to optimally prepare for the golf season with golf fitness exercises

The PGA Golf Tour is in full swing and for many parts of the country and world the golf season is upon us. Many of you are anxious to dust off the golf clubs and get out to the golf course for your first round of golf. A question that may be on your mind is how do I get ready? How do I knock off 6 months of rust on my golf swing, feel comfortable with my driver on the first tee, and post a good golf score at the end of the round?

All questions that are asked often in the world of professional golf and this article will provide you with the answers. Answers to these questions and many more fall under the category of how do I prepare myself for the golf season?

Interesting enough if the guidelines from this article are followed the golf score you post for your first round of the year may be lower than you ever expected, the distance of your drives may well be farther than you imagined, and the number of accurate golf shots you hit may be even more surprising!

The answer to all the questions on how to get ready for the upcoming golf season centers on preparation. Preparation is the key to a successful first round of golf and every round you play in the upcoming golf season.

We all probably understand the definition of preparation but lets take a quick look in order for us to all be on the same page. Preparation can be defined as the work or planning involved in making something or somebody ready or putting something together in advance (Encarta Dictionary, MSN. com).

A definition that sheds light on getting ready for the upcoming golf season. Using the above definition we can see the process of preparing for the upcoming golf season does not begin 10 minutes before your first tee time, but rather in advance of when you get ready to hit driver off the first tee. Bottom line the process of getting ready for the upcoming golf season begins weeks or even months before your’ first round of golf of the year.

To have a successful first round of golf and a good season of golf you must begin the process of preparation well in advance of your first time on the golf course. If you look at professional golfers they begin the process of preparing for the upcoming golf season months in advanced. I would suggest doing the same. Develop a plan that will get your golf swing ready once the snow thaws, the birds are chirping, and the greens are ready for putting.

What does such a plan contain? This type of “golf preparation plan” would contain drills, exercises, and programs to improve and prepare every aspect of your golf game. If we break down the game of golf into categories the “golf program” becomes much easier to understand. Obviously, we have the different shots made on the course. A brief breakdown would indicate the need to implement swing drills to work on the full swing, short game, and putting. We could obviously get a little more detailed than a breakdown of the golf game into three different categories, but lets’ keep it simple.

Now that we have this breakdown of the game of golf into full swing, short game, and putting the next step is to implement a series of drills to work on each of these aspects. Simply put I would suggest devising a series of drills to work on each part of the golf game/swing. This can easily be accomplished by purchasing a few books or videos from one of the top-teaching professionals in the world of golf.

Each one of these qualified golf instructors have numerous materials available to help you with your golf swing. And if you are one of those individuals that lives in a cold climate and is unable to get to a driving range or practice facility, no need to worry. Most all of the instructional videos/books available have drills that can be performed in the comfort of your own home.

At this point we have a couple of bases covered in the “preparation plan” for the upcoming golf season. We understand preparation is key to a successful year on the golf course, the “preparation plan” begins well in advance of the first tee time of the year, and a portion of the plan consists of swing drills. This brings us to final part of your “preparation plan” for the upcoming golf season.

This part of the plan centers on the implementation of golf fitness exercises to go along with your swing drills. We must understand the concept of your body and the golf swing. The golf swing is executed in its’ entirety by your body. In order for your body to execute the golf swing correctly. It requires you to have certain levels of flexibility, balance, strength, endurance, and power within it. If you are lacking in any one of these physical areas compensations will occur in your golf swing.

It comes down to this: In order to be prepared for the upcoming golf season and to improve your golf swing. The implementation of golf fitness exercises geared towards developing your body around the golf swing is necessary. This type of program will prepare the body for the golf swing and the upcoming golf season.

To summarize, the process of preparing yourself for the upcoming golf season begins with a “preparation plan”. This plan begins weeks to months in advance of your first time out on the golf course. Additionally, this “preparation plan” for the upcoming golf season contains a series of golf training drills to prepare your golf swing. The golf training drills break down the golf game into three sections; full swing, short game, and putting. A series of swing drills are implemented to work on each one of these parts of your golf game. In addition golf fitness exercises are implemented into the golf-training program to develop your body around your golf swing. Put all these pieces together and your first time out on the golf course this year should be an enjoyable one.

Sean Cochran

Golf jobs what a great life

So you love the game of golf. The idea of spending all of your time on the greens is your idea of paradise on earth. Perhaps all of those Saturdays playing your favorite game aren't enough anymore. For people with this deep love of the game, considering a career in the golf industry may be a perfect fit. Like any other sports industry, golf jobs run the gauntlet from caddy to CEO of major companies.

Many people, such as students and retirees, have found ways to use their passion to their benefit. Some work as caddies or grounds keepers to receive paychecks and possibly the perk benefit of reduced or free golf time. These golf jobs work well for individuals who need to have flexible schedules to fit around classes, another full time job, or to leave time to enjoy retirement. Choosing to work at the local golf course or driving range is an excellent way to combine a favorite hobby with a paycheck.

Sporting goods stores are another great place to combine the love of money with the love of golf. Especially during the holidays and peak golf times, these stores are more than happy to have knowledgeable people ready to assist their golf challenged clients. Besides the paycheck, another benefit could be employee discounts of merchandise that would otherwise be difficult or even impossible to afford. Of course on the other hand, an awesome golf job would be to own your own golf store. However, the area you live in must be suitable for a profitable establishment if you choose to own your own store. Some of the fringe benefits of this golf job are having the opportunity to choose specific products and meet a lot of other people who live, breathe, eat, and sleep golf too.

For the outgoing type of golf lover a career in sales may be the way to go. Whether you decide to go to work for your local golfing store selling directly to the public or apply with one of the larger manufacturers and distributors of golfing equipment and sell to stores, this golf job would offer the same benefits as sales positions in other industries. Competitive wages, health benefits, 401K, you know, all of that important stuff. Who knows where networking within the job may lead? Perk benefits like free golf time, free or discounted golf equipment, and possibly meeting some pros of the game are all possible. Merging your knowledge of golf with a golf job is a great method for thriving in your job and making ends meet at the same time.

Another often overlooked golf job that may be suitable, especially for the literary gifted, would be a sports writer. There are a huge number of websites geared toward sports and specifically golf on the Internet. Those great articles come from writers. If you think you have the right stuff for golf writing, contact the editor or webmaster and pitch your ideas. You never know how things like that will turn out and you may end up with a unique, golf job that fits perfectly within your schedule. While the Internet is probably the fastest means to a golf writing job, don't forget about the more traditional magazine publications. You will just need to check out their submission guidelines in the magazine itself, on their website, or by letter to find out the editor's name and submission preferences. Writing about your favorite sport would help keep you current on all of the latest golfing news and be a fun golf job.

Golf jobs are out there if you keep your eyes and imagination open. Whether you choose to work on the course itself or from the comfort of your home writing great golf content, it is possible to use your passion as a means of income.

Making a good espresso

Drinking espresso has become a way of life for most people, particularly those who have heavy schedules and who take time out to relax with a cup of freshly brewed espresso or coffee.

Coffee is so popular it is believed that it comes next to water as a popular drink. The whole world loves a good cup of coffee that annual consumption can reach to as high as 400 billion coffee cups all over the world.

Most avid coffee or espresso drinkers can have a cup of espresso a day or even more, without knowing where this rousing beverage came from. That heavenly brew comes from coffee beans that are sourced from evergreen trees that are grown all over the world. The evergreen tree is widely grown in Latin America, Indonesia, Hawaii, Southeast Asia and in Africa.

While the word espresso may have come from an Italian word meaning express or fast, it really is a misnomer since espresso or brewed coffee have to undergo a process before one can enjoy its freshly brewed taste. To make a good espresso, one has to start with a good coffee variety that must have undergone proper grinding. A good espresso maker handled by a capable barista can yield an espresso that can taste heavenly. The goodness of an espresso can be determined even from its aroma alone.

Coffee drinkers who are serious about making good espresso should invest in a good espresso machine. Good espresso machines come in a variety of brands, sizes and prices. You need not spend more to get a good espresso machine because there are good espresso makers that are reason ably priced. When making the espresso, always remember to turn on the espresso machine and allow it to heat properly. Establishments that have fast espresso orders do not really put off their machines to make sure it is properly heated for every espresso order.

When buying coffee beans, it is better to grind them as you use them because keeping them even in a tight container after grinding can result to a loss of aroma. Attention should also be placed on the type of grinder being used, with conical burr grinders preferred than flat burr grinders. The grinder with a conical burr is preferred because it can grind the beans without heating them and lessening their aroma in the process.

While the kind of coffee beans used for the espresso must be chosen well, baristas should also make sure that only filtered water is used for the espresso as the water’s mineral content can affect the taste of the espresso.

When one finds a good coffee blend, the tendency is to buy more for storage. When you do this, do not commit the mistake of keeping coffee in the freezer or refrigerator. It is best to store them in a container that is foolproof and clean and place them in a dark and cool area.

Do you have any goals for building wealth

The money is out there. No matter how many people tell you that we are in the midst of a starvation economy, that the market is doing this or that, and that it's too risky to “play the game,” so to speak, people are getting rich every day. That is the reality.

The trick, of course, is to become one of those people.

“Yeah,” you might say. “That guy was just lucky. What are the chances of that happening to me?” Well, absolutely zero if you don't do anything about your dreams to build wealth. If you walk around thinking that you have only a snowball's chance of hitting “the big one” in the financial game, then you are right. That's because you are depending on chance.

Becoming wealthy is not about chance. Oh the guy you just read about may indeed have been lucky—but he was not “just lucky.” Because fortune favors the prepared mind, you have to lay the groundwork in order to take advantage of opportunity when it arises. You have to be able to not only recognize those opportunities, but to actually have the resources to take advantage of them.

Laying the groundwork involves having a plan for your financial future. What is your plan for building wealth?

If, like most Americans, you don't have one then, like most Americans, you will retain the status quo. But if you recognize that you, and only you, are in charge of your destiny, that is an entirely different matter.

According to Robert Kiyosaki, author of the Rich Dad series of books, you have to get a grip on your financial philosophy. You don't have a financial philosophy, you say? Sure you do, even if you don't realize it.

In his book “Cash Flow Quadrant,” Kiyosaki outlines the four philosophies as they were outlined for him by the man he calls his “rich dad.” You can recognize your own philosophy by noticing how you tend to make your money. On the left side of the quadrant, are the E's and the S's—the Employees and the Self-employed. The philosopy of the E is based around security while the philosophy of the S is based around doing his own thing. While there is nothing wrong about either philosophy, neither is likely to help you build much wealth.

On the right side of Kiyosaki's quadrant, are the B's and the I's—the Business owners and the Investors. The difference between a B and an S, Kiyosaki says, is that the B has built a system which he can rig to run itself, freeing him for other financial or personal pursuits. An S simply “owns a job,” as Kiyosaki says, and is such an integral part of the operation that he is essentially a prisoner of it. The company he has created is his “baby.” But we all know how demanding babies are, and if a business never matures into an adult that can survive without your mothering, it will eat most of your time.

The trick, then, is not to build a better product. It's to build a product better—more efficiently with regard to your own resources. Build a system, not a job. Then you will have the money that will take care of your personal needs and allow you to invest.

If you already have loads of money to work with, then you can go ahead and jump right to the I quadrant—after investing in your own education and learning how it works. Investing is risky if you jump in blind, but if you know what you're doing, it is a whole different matter.

So lay the foundation with education and then build your wealth as though you were constructing a structure. Don't skimp on materials, but instead do it methodically. Eventually you will find yourself staring at an impressive building that will help you weather any storm.

Php

The recent boom in field of Information Technology has seen a steep rise in the demand of trained professionals in PHP and MySQL. Software companies specializing in php mysql web development are always searching for skilled professionals for recruitment in several important projects. The current supply of PHP experts is much below par, in terms of potential growth in the industry.

To train the educated work force in this regard various MySQL and PHP training courses have been developed. These courses provide elaborate training to the professionals for developing website with the usage of these languages.

PHP Training Objectives

Two main objectives of php and mysql web development program are:

• To develop skills to create interactive and data-driven sites

• Skill development for database creation in MySQL programming

Prerequisites For Training

The most important criteria for acquiring PHP training is thorough knowledge of HTML. The course should focus on any level in programming for teaching database creation.

On the other hand there are courses for fresher in the field of php and mysql web development. Some institutes like Indus Net Academy, has launched ACE Web Developer course with the aim of teaching real applications in PHP and MySQL. These courses are beneficial for creating awareness among candidates about programming language.

Course Details

Once you get enrolled into these training courses you can acquire knowledge in areas like PHP Programming Fundamentals, Strings Functions, Arrays Functions, HTML/CSS and Forms, File Handling and Email Handling in PHP, Object Oriented PHP and Session Handling etc. On the other hand, the ACE Web Developer course emphasizes on other programming languages such as MySQL Basics, Extended PHP, OOPS in PHP 5, Exception handling in PHP 5, XML / SOAP etc.

Another vital aspect of these php mysql development courses are; 70% hands-on and 30% lecture ratio, as far as the training part of the course are concerned. By engaging the students in live projects the courses ensure that the students have a thorough understanding of the actual application of such programming languages.

So if you have some knowledge about HTML, then you can get online training as well as work as a freelancer for php mysql web development. Some of the requirements essential for learning this programming language are:

• A personal computer at home

• Linux, Windows, MacOS X, or Solaris operating system

• Web server (either Apache httpd or Microsoft IIS)

• PHP 5 or later with the PEAR extensions enabled

• MySQL 4.1 or later (5 or later recommended)

• Internet Explorer 6 or Firefox 2

PHP programmers can now get quality work through the Internet from the freelancing websites. It is an open source language and is free to install and use. This is the main reason for the increase in the popularity of this language.

Saving for your childs college education

Paying for college is one of the largest expenses a parent will face in their lifetime, other than paying for a house. Because of this, care needs to be taken as well as special planning and allocations of finances in order to take the burden away from this expense. Starting early is the best option, even when your child is a toddler is not too soon. Consider the following timeline for saving for your child’s college education.

When college is 15 years or more away, then you should open and education IRA that will allow you to save conservatively for your child’s college. Also, since there is a lot of time before your child will need the money this is the time to invest in aggressive funds or stocks. As the time for college nears, you will want to save money in conservative ways, but now is ok to be aggressive if you wish.

When college is 10-15 years away for your child, then there are some additional things you can do. First, consider prepaid tuition plans that allow you to pay for college over a period of time before your child ever reaches the first day of school. The problem with this is you take the decision away from your child of which college they want to attend. Also, talk to your accountant about different savings plans your state offers for college savings. More than likely, there are some plans that will help you meet your savings needs or receive tax breaks. Also, make sure your portfolio is more secure and stabilized. Try to get your investments in order and start saving more conservatively.

At the five to 10 year mark, you will need to start moving your money into different accounts or bonds. For example, bonds are a good option as well as fixed income. If you are unsure, talk to a financial planner to help you make the decision.

When there are only five more years until your child enters college, make sure your investments are safe and secure and not in any aggressive funds. This is the time to guard the money rather than risk it on aggressive markets.

If you realize that even though you have been saving for more than 15 years, you will not have enough money to pay for your child’s tuition, you can consider different student loans that do not need to be paid back while the child is enrolled in school and that have low interest rates. There are loans available for the parent as well as the child, so whatever works for your family is the best option.

Also, once your child is actively enrolled in college there are different tax breaks that you can file on your tax return that will help out significantly. When it comes to paying for college, starting early and making a plan is the best way to go about it.

Scrap it if you don t need it - disabling recent documents

Your computer has been programmed to store recently opened files in a folder named: Recent Documents. This has been established to make accessing of documents easier. Most people find this feature helpful and use it regularly. Others, especially those working on shared computers find the feature cumbersome and can hinder their privacy. It is true that the Recent Documents folder is a double edged sword. It can be very useful, giving the user quick access to recently opened documents while at the same time giving other individuals a window into the inner working of your computer.

If you are one of those people on a private computer and find the Recent Documents feature helpful, then keeping it will not prove to be problematic. But, if you do not use this feature, no matter if you are in a shared or private computer; it is advised for you to disable this.

Disabling the recent documents folder has been found to decrease the time that it takes to boot Microsoft Windows, and privacy comes as an added bonus. If you are using the Windows Vista version, it may help that you switch your start menu to the Classic view first so you can follow the instructions. What is the Classic View? The Classic view for the start menu is similar to those found in older versions of Windows and not the updated one of Vista. To switch to the Classic Start Menu view, Right Click on the START button found on the lower left hand side of your screen. In Windows Vista, this appears as an icon of the Microsoft Windows logo. Click Properties, pick the Classic Windows view and click OK. Now that you have changed it you can follow the same procedure for other Windows version when disabling the Recent Documents folder. In order to disable the feature, follow these steps: Click START, then Click on the RUN tab. Type 'Regedit' on the text bar. This will open a new window, browse to HKEY_CURRENT_USER/Software/Microsoft/Windows/CurrentVersion/Policies/Explorer. After you have done this, create a new DWORD value, this is essentially the same as creating a new folder. Create the DWORD value using the Key NoRecentDocsHistory and pick 1 for the value. That's it!

You have just disabled the Recent Documents Feature of your computer. In order to make this take effect, restart your computer. After that is done, you will no longer have a record of your recent documents.

Now that your recent documents have been disabled, you will be able to notice a slight difference in the time it takes for your computer to boot. Also, you do not need to worry about people who might be snooping around looking to get a look at what you have been up to recently. The Recent Documents folder is just one of those things that you can do without. Pretty much like the appendix in Human Anatomy. The whole can still function fully without that one part. In all cases, this can be viewed as a preventive action that helps you avoid any problems when it comes to your privacy.

Better brownies better taste better nutrition

Brownies just keep getting better and better. Moist, chewy and so easy, these Fudgy-Fig-Nut Brownies are made with rich dark chocolate, crunchy toasted walnuts and surprise-sweet, delicious figs. Taste and health have joined together with simple directions to deliver brownies fit for every day or special occasions such as Father's Day, Fourth of July and birthdays.

Amber-colored golden figs and dark purple Mission figs star as the special secret ingredients that make these brownies so unique and so delicious. The tiny crunchy seeds and sweet, chewy flavor of the figs complement the toasted walnuts and smooth dark chocolate. Health-conscious cooks are excited to learn that dark chocolate contributes health-promoting flavonol antioxidants; dried figs offer a unique array of essential vitamins and minerals and an excellent amount of dietary fiber; and walnuts deliver essential omega-3 fatty acids and "good" monounsaturated fats.

Figs are also great for snacking because they are so portable and convenient, along with being a nutrient-dense fruit. Three to four figs provide 6 percent daily value (DV) iron, 6 percent DV calcium, 6 percent DV magnesium, 6 percent DV vitamin B6 and 8 percent DV copper.

Fudgy Fig-Nut Brownies

3 large eggs

11/4 cups granulated sugar

1/4 cup canola oil

1 teaspoon vanilla extract

1 ounce unsweetened chocolate, chopped

1 cup all-purpose flour

2/3 cup unsweetened cocoa powder

1/4 teaspoon salt

1 cup stemmed and chopped Blue Ribbon Orchard Choice or Sun-Maid Golden or Mission Figs

1/3 cup chopped, toasted walnuts

Preheat oven to 325°. Coat 8-inch square baking pan with nonstick spray. In medium bowl, lightly beat eggs with wire whisk. Add sugar and whisk until well-blended. Whisk in oil and vanilla. Melt chocolate in small bowl in microwave oven on 50 percent power for 2 to 3 minutes, stirring every minute. Whisk chocolate into egg mixture. In small bowl, stir together flour, cocoa and salt. Stir flour mixture into chocolate mixture, blending until smooth; batter will be stiff. Stir in figs and walnuts. Spread batter in baking pan. Bake for 35 minutes or until pick inserted in center comes out with a few crumbs attached. Cool in pan on wire rack. Cut into 16 brownies.

Nutrients per serving (16): Calories 191; Protein 3g; Total Fat 7g; Carbohydrate 29g; Cholesterol 40mg; Dietary Fiber 2g; Sodium 65mg.

Figs, chocolate and walnuts--nutrition and taste come together in one delicious brownie.

6 great habits to improve your children s immunity

It is normal for your little kids to get fever, cough, or cold once in a while. However, don't let the virus and bacteria disrupt their development.

Therefore, boost your kids' immune system by doing these smart habits:

1. Breastfeeding

There's no doubt that breast milk provides the best and complete nutrition for babies ever since they were born. The yellow colostrums, which come out in the early days after the labor, are proved to have antibodies that can protect babies from many illnesses, such as diarrhea and meningitis.

2. Consuming Fruits and Veggies

Fruits and vegetables are great sources of vitamins and minerals, as well as other nutrients to boost your kids' health. Having them in daily menu will prevent your loved ones from infection.

3. Making Hygiene as a Way of Life

Washing their hands with soap is a very good start. Always do it before having meals, after using bathroom, after playing, and after handling their pets.

4. Having Enough Sleep

Lack of sleep can lead to the decline of body's immunity. Taking a nap everyday is a good way to make your children have enough sleep. If they refuse it, put them to bed earlier in the evening.

5. Doing Exercises or Outdoor Activities

Ask them to join you doing exercises or enjoy playing outside together because these activities will increase your kids' endurance. Playing soccer, hiking, and swimming are examples of exciting activities you can do with them.

6. Saying No to Tobacco

Smoking is so unhealthy. The smoke is even more damaging. If you or any other adults in the house smoke, better let go that bad habit for the sake of your kids' health.

Simple habits, right? Yet you probably don't recognize how important they are for your kids' fitness. Talk about this with your spouse and both of you can start a new beginning with healthier kids and family.

How to choose a camping tent

The Muscular and External System

How to choose a camping tent is just like assuring your home has the best roof. Actually, the tent is your shelter, your dome of protection against all the elements, your home away from home. Your family might want to spend the summer getting the feel of nature. Of course, you want to feel the cool air, the soothing sounds of the babbling brook. Ahh, but when you encounter the chill of the night because of dim knowledge on how to choose a tent, your summer vacation might not turn out the best. Most people shun away from the basic questions that are necessary to ask for them to know how to choose a camping tent. Here are some tips you should know to help you on the outdoor experience of a lifetime. Believe me, you will give yourself a pat on the back later just because you chose these extra minutes to learn a little bit more.

There are things to consider before you decide how to choose a tent. You have to consider the purpose of the tent, what season you’re going out on an outdoor experience, how many will be going on your trip, etc. Of course, when you want to spend time camping with the whole family, you should bear in mind the comfort, space and ventilation of the tent. Also think about the amount of gear (coolers, clothes, flashlights, backpacks etc.) you will keep in the tent. If you are going camping backcountry, then weight, size and durability of the tent should be considered as well.

Consider how long you will be setting camp. Are you just going for a day or two, or will you be camping a day or two every month? If you are planning to set camp for several days, buying a heavy tent is worth the expense and additional weight. If your camping adventure involves you getting exposed to the natural elements: storm, hail, snow, sleet, etc., four season tents are available for your convenience. On hot nights, poor ventilation in your tent will cause sleeping turmoil, so be sure to consider ventilation as well.

One of the most basic and most important parts of the tent is of course, its floor. A good floor will keep out ground water that could seep under your tent. Here are the different types of tent floors:

• Bathtub floor - a floor that wraps up along the sides. It is named such because it is wrapped up around 2-4 inches above ground level. This type of floor is made of heavy duty waterproof material.

• Nylon floor - this type of floor is not water repellent. Urethane treatment is needed for it to become highly waterproof.

• Polyweave floor - Contrary to nylon floors, these floors are highly waterproof but are not advisable in the presence of sharp rocks. The materials of a polyweave floor are the same ones used in covering boats or trailers. They are also heavier than nylon floors and might cause a little more weight in your backpack.

Bear in mind that tent floors can also wear out. A ground tarp is highly recommended. If you want something specifically made for your tent, you can buy a “footprint” tarp for most middle to high-end tents, such as Eureka camping tents. When camping during winter, position your tent in such a way that the early morning sun can thaw the dew or snow on your tent.

You may ask: how do I make sure that my tent seams are good? The floor seam should have lap-felled seams for it to become durably waterproof. These lap-felled seams provide extra strength because they are composed of layers of interlocking fabric joined by a double row of stitching. Nylon tents that are uncoated should have taped seams. Nylon tends to unravel. To avoid this, the end of the fabric behind the seam should be taped or hidden with another fabric. All end points should be strengthened with extra stitching or bar tacking. Always give the material a tug to make sure the weight is equally distributed across the stress points.

A general rule in tent setups states that the seam that attaches the tent floor to the tent wall should be covered with a rain fly. A tight rain fly prevents water from entering into the tent by not allowing the tent fabric to stretch and sag with water. If they do sag with water then the guylines should be tightened. Guylines are used to add structure to the tent. As the tent poles flex in the wind, guylines will keep it upright and sturdy.

Another tent part that we should consider is its skin — the fabric. Most camping tents use strong but lightweight nylon. Some bigger tents use coated polyester or cotton poplin canvas, which is heavier. Polyester’s advantage is that it can withstand extended exposure to sunlight. Nylon, however is of lighter weight, while a canvas fabric is durable but heavy.

Polyurethane (PU) is a coating sometimes used on tent fabric for water protection. PU coatings are rated in MM (millimeters), for example “PU coated to 450 mm”; a higher MM coating will increase water resistance.

The Skeletal and Respiratory Framework

Now that you’ve come to know the physical aspects of a tent, you also need to get to know its skeletal framework.

So you have chosen a nice spot for your tent. Your tent floors are intact, your seams are okay, your fabric is durable but when the elements of nature emerge their powers, your tent might collapse and you could find yourself drenched in a storm. You wouldn’t want to be caught up in this situation, believe me! So you might be asking, anything else I missed? Maybe you haven’t checked your poles! The tent poles are the skeletal framework of your tent. Without it, all the time that you have taken to select the right materials will be useless. The following are the different kinds of poles to suit your tent needs:

• Steel - used in more expensive technical tents. Steel poles are very strong and flexible. They are very useful when you are camping in areas where the wind is very strong or when your tent is bound to be challenged with the forces of nature.

• Aluminum - standard for high-end tents. Aluminum poles are lightweight, strong and great for backpackers. The very important factor in this type of pole is that it is lightweight. While it is light, these tent poles are preferred because of their strength and durability. However aluminum poles break, they can be splinted together to a usable state. To summarize, aluminum tent poles are flexible, light and can withstand the cold.

• Fiberglass - this kind of tent pole is less strong so thicker and heavier poles are needed to achieve the same strength. This is a less expensive option. Fiberglass tent poles do not require pre-bending and do not have lots of special attachments. When folded, it can give you a better packing size. However, they are easily affected by cold weather and these tent poles start to crack in very cold temperature.

Both aluminum and fiberglass tent poles are mostly hollow and are linked often by long elastic cords. These are known as “shock-corded” poles, which allow the user to merely snap the poles into shape rather than piece them together.

Now that you understand the skeletal framework of your tent, you have to understand the respiratory aspects as well. A tent has some respiratory aspects? Why, yes! Now you may find yourself waking up in the middle of your sleep with your tent wet, even when it’s not raining or you have sealed your tent tight. Waking up wet or getting dripped on during your sleep won’t make for a happy camping experience. If you didn’t choose a tent with weather resistant fabric, it could mean that you need to waterproof your tent. While you are protecting yourself from the external moisture by seam-sealing and waterproofing your tent, you also have to consider that your body circulates air throughout the tent i. e., your perspiration, breathing, etc. This internal moisture condenses on the inside of your tent fabrics, on top of your sleeping bag or the tent floor. Most tents available provide a roof vent or door screens. Preventing the condensation build-up requires you to open the provided roof vents or open a door or window partially. This helps you have a slight breeze that will help remove body moisture and prevent unwanted condensation.

How to choose a camping tent can be a big task. While there are a lot of considerations, you will be very thankful in the end. You get to enjoy nature at its very best. You get to gaze at the stars without being cold, and get a good night’s sleep in the fresh air, even if you are far away from home. Consider your camping tent choice an investment of your time, money and effort. By choosing your tent carefully, you are laying a strong foundation for years of enjoyable camping experiences.

Wikipedia and the nofollow controversy

If you are not involved in the search engine optimization community, January 21st, 2007 probably held no significance for you. However, if you are a search engine marketer or SEO, you probably remember January 21st as the day that Wikipedia died. To the untrained eye, Wikipedia is exactly the same today as it was six months ago. But, once you dig below the surface and take a look, you can see one difference that has had an impact on the world of search engine optimization: NOFOLLOW.

In the words of Matt Cutts, "rel="nofollow" attribute is an easy way for a web site to tell search engines that the web site can’t or doesn’t want to vouch for a link." Before January 21st, NOFOLLOW was mainly used for blog comments. This helped blog owners cut down on comment spam. NOFOLLOW was also used in some situations to denote a paid link, but this is a whole other controversy that will have to be saved for a different article.

The reason that Wikipedia’s adoption of NOFOLLOW on every single outgoing link caused such a stir is because many people viewed it as the most hypocritical decision that Wikipedia could have made. The reason that Wikipedia has become so popular and performs so well in the SERPs is that bloggers and web site owners commonly reference Wikipedia. When they do this, they provide a link back to Wikipedia. Every time that this process occurs, Wikipedia gains a little more popularity in the search engines. When Wikipedia decided to implement the NOFOLLOW tag, they are telling the search engines that although we reference a web site and may use content from it in our article, we do not want you to give it any credit. It is for this reason that many have started to view Wikipedia as a massive hypocrisy.

Although NOFOLLOW has probably cut down on the amount of spam Wikipedia has to combat, but as many others have stated, Wikipedia could have chosen a different method for fighting spam that did not punish quality web sites which deserve to be recognized by Wikipedia.

Marketing websites

Mostly everyone online is trying to learn how to start marketing their websites. Marketing websites can seem like a very tough thing to do. Many people have no clue how to market their websites. I think one of the main reasons people have trouble marketing their websites is because of the lack of the right information online currently. Many people are sadly misinformed about how to market their websites correctly. Many people are using marketing techniques which are highly ineffective and may end costing tons of money. Many people trying to make money online are duplicating failure. Many people are heavily marketing to classified ads, FFA's, and other places which do not work at all. I will go over a couple of techniques to effectively start marketing your websites.

First you must decide if you are going to start marketing your websites online or offline. Both ways can be very effective and I would suggest using both. Offline marketing can tend to be a little more costly, so you will need some money to effectively start marketing your websites. One way to market your website offline is to buy drop cards. Drop cards are effective because you can drop them practically anywhere. Making a trip to the supermarket, drop a card. Making a trip to the bank, drop a card. Simple. Another way to effectively market offline is to buy ad space in major newspapers and major magazines. This can be very pricey, but it is also very effective. Offline marketing is often ignored but I would not suggest it. Offline marketing can be a powerful way for you to market your websites.

Online marketing can actually be very simple. In order for you to start marketing your websites effectively, you must be consistent and work these techniques daily. For instance writing articles and press releases can be a very effective, but you must write consistently. If you do not write consistently using articles and press releases to market your websites will not work. Writing one or two articles a month will not bring you the type of traffic you are looking for. In order to be truly effective with articles and press releases you must at least write one or two a week. The great thing about writing articles and press releases is it is completely free. You can write as many articles and press releases as you want and they will bring you great results. Remember the key to writing articles and press releases is to write them consistently. Another way to effectively market your website online is to post useful comments on forums and be sure to add your signature with your link.

The key to marketing your websites effectively is to be consistent in your marketing techniques. Any marketer worth his weight knows you must market on a daily basis in order to be fully effective. It takes at least 7 exposures for the average person to purchase something. When marketing your website being consistent is the name of the game.

What should you pay your babysitter

Being that your babysitter will be taking care of your young loved ones, you want to be careful and put a lot of thought into making a decision of which babysitter is best for you. Realize, however, that due to the importance of your children's security, this is not a time that you are really trying to cut costs. The rates that you will be charged are going to differ on the type of babysitter you decide to go with. The two types of babysitter's are generally going to fall into one of two categories: a personal acquaintance/friend and a professional agency.

Hiring a babysitter from an agency will be more expensive than hiring an acquaintance or friend. With an agency, you will have to pay them a fee on top of the babysitter's hourly rate. However, that fee should guarantee you that your loved ones will be in good hands. Being that the agency is correctly run, you should be provided with the babysitter's credentials, and the agency should know the babysitter very well. This will help give you peace of mind while you are out, away from your loved ones. Another advantage of hiring a babysitter from an agency is that they can generally adhere to all of your needs, in terms of having a babysitter ready in very short notice or in being able to have someone take care of you kids over longer periods of time.

Now in determining the rate per hour that you pay your babysitter will likely depend on how many children she will be watching each time. The more children being watched would naturally mean a higher hourly rate. A very common hourly rate for a baby sitter for one child is twelve dollars. Most babysitter's will charge anywhere from three to five dollars more per additional child. If you use the same babysitter all the time and things have been working out smoothly, you might be able to negotiate a slightly lower rate being that you are a source of regular income for that person. It can't hurt to negotiate once a relationship has been built, but don't try and take advantage of that person, or you might lose your regular babysitter.

If you have a child or children that require special needs or that tend to be extremely unruly, then there will likely be a surcharge to the average hourly rate, as it is going to take the babysitter more effort to complete her duties. The same also goes for a babysitter who you require to do more than just watch the children, such as preparing dinner for them or picking them up from school. On the other hand, if you only require that your babysitter read to your child and then put him/her to bed at a specific hour, then your rates are sure to be lower.

In terms of paying your babysitter, that is something that can be worked out between the two of you to find the most suitable terms of payment. Often, however, the babysitter will allow you to pay a slightly lower rate if you pay in cash. So you may want to exploit this option.

At the end of the day, you just want to make sure that you and your babysitter are happy with the arrangements. Your babysitter is taking care of your precious ones, and that is not something you are looking to get a big discount on. More importantly, you just want to make sure that your children are safe while you are away.

Protection slashing the risk factor of secured loans

Loans in which the borrowers home is held as collateral, or secured loans, are very popular, and are often considered favourable because of the general ease of borrowing through secured loans. Secured loans are also sometimes known as Home Equity Loans or Homeowner loans. Those with a negative credit history often find secured loans to be the easiest way of borrowing money. Secured loans, however, are very risky, especially for those with a proven history of late or skipped payments. Even the term secured loans is somewhat deceiving, as the security really belongs to the bank or lending institution, and not to the borrower. Any person borrowing money through secured loans runs the risk of losing his or her home in the case of any situation that renders the borrower incapable or repaying secure loans according to schedule.

Those with adverse credit should carefully assess their needs, spending habits, and repayment abilities before applying for secured loans. If there is no other option than to pursue secured loans, borrowers would be wise to try to find a very easy repayment plan that is suitable to their financial state.

Many borrowers are rather wary and even afraid of secured loans. This unease regarding secured loans is not entirely unfounded, and a wise borrower will look into alternative options before pursuing secured loans. However, there are ways to reduce the risk involved with secured loans, and one of these is arranging a payment protection plan.

Secured loans can usually be granted with the addition of some type of payment protection plan. These payment protection plans for secured loans are basically a type of insurance. The premiums are added to the monthly payments that borrowers make on secured loans. Then, in the case of sickness or accidents, the borrower is not held responsible for repaying the amounts borrowed through secured loans.

Payment protection on secured loans is generally a wise idea, because a person never knows when he or she may run into some type of trouble. Because secured loans are so risky to the homeowner, some type of insurance such as these payment protection plans, offer an ease of mind to anyone who is borrowing through secured loans.

The loss of a job is also something that the payment protection plans of most secure loans cover in some form. In todays world, when no one can be absolutely sure what will happen with regards to their employment, the risk of secured loans are lessened with the addition of payment protection plans.

In some cases, payment protection plans can actually be a benefit to the borrower after secured loans are paid. Many times, lenders will actually return the amount paid through the payment protection plan. In one sense, people can actually make the most of their secured loans by using the payment protection plan as a type of investment.

Overall, as a general rule, if people plan to take out secured loans, they would probably be wise to purchase some type of payment protection plan as well.

Annual forecasts fengshui remedies for 2006 year of the yang red fire dog - for dragon sign

:
The ancient Chinese Astrology is not only fascinating but also quite accurate. It’s Zodiac is based on 12 signs, a cycle of 12 years and are named after 12 symbolic animals : Rat (or Mouse), Ox (or Buffalo or Bull or Cow), Tiger, Rabbit (or Hare or Cat), Dragon, Snake, Horse, Goat (or Sheep or Ram), Monkey, Rooster (or Hen or Cock or Chicken or Phoenix), Dog and Pig (or Boar or Hog).

Your Chinese Astrological Zodiac Animal Sign is based on your Chinese Lunar Year of Birth. The Chinese New Year is movable and could start anywhere between 21st January and 20th February, depending upon the year.

If your Date of Birth falls into any of these below listed Chinese Lunar Years, then, because you are born in the Year of the Dragon, you are symbolically identified as a "Dragon" :

From 16 Feb 1904 to 03 Feb 1905

From 03 Feb 1916 to 22 Jan 1917

From 23 Jan 1928 to 09 Feb 1929

From 08 Feb 1940 to 26 Jan 1941

From 27 Jan 1952 to 13 Feb 1953

From 13 Feb 1964 to 01 Feb 1965

From 31 Jan 1976 to 17 Feb 1977

From 17 Feb 1988 to 05 Feb 1989

From 05 Feb 2000 to 23 Jan 2001

In Chinese Hsia Calender, 2006 is the 4703rd year and is also the third year of the New Fengshui Land Luck Period 8. The new Chinese Lunar Year is from 29.01.2006 to 17.02.2007. Here are the Annual Forecasts and suggested Fengshui & Crystal Remedies that you may need for the coming "New Year 2006 : Bing Xu, the Year of the Yang Red Fire Dog" :

CAREER :

2006 is a critical year in your life and full of changes. Change in job, profession, nature of business : anything could happen. Expect the unexpected and brace yourself to meet all types of challenges. Lower your hopes to avoid disappointments and depressions. Projects you thought were over will get stalled; problems you had resigned to live with will suddenly get solved. Customers and loyalists will switch sides, bothways. The impact of the Year Breaker TSui Po will be quite severe. You will raise conflicts and trigger disputes wherever you go. Ignore rumours and gossips. Mind your own work and do not poke into other’s affairs. Turbulence and obstacles will follow you every step of the way. You are neck deep in negative energy and do not do anything that will sink you further. Be pateint and polite even with those who insult you. Be careful whom you deal with. Avoid stepping on others’ toes - whether they are friends, subordinates or superiors. Otherwise you will easily offend influential people around you. You will face many a crisis; train yourself to maintain calmness. Concentrate on the work in hand and stay focussed. Many of you will undergo changes in your personality itself - your entire outlook of life in general could change too. If you are a journalist, writer, copy writer, creative designer or digital artist, you will do much better than others. A Black Tourmalene Crystal Pendant and the statues of Quan Yin and Kuan Kung in the North West of your bedroom are needed. Remember : the experience that you gain this year will bear good results in future.

You are conflicting the Tai Sui this year, so display the statue of a Three Generations Dragon Head Turtle alongwith a photograph of the presiding Year Authority of 2006 in the North West, to minimise the negativities of gossips and scandals. You should also wear a Fengshui Rabbit Pendant or place the statue of a Rabbit in the East. (The position of Tai Sui corresponds to North West this year. Tai Sui is also popularly called as Grand Duke of Jupiter and is an intangible energy body of war-like nature that should not be disturbed.)

MONEY :

Money will flow in and flow out with the same speed. In fact you will spend more time and energy in trying to stem the outgoing money than in earning it. Unexpected expenses and frequent shopping sprees will empty your purse. Many of you will spend a lot of money while travelling and in shifting. Keep off speculative investments, share markets and gambling. Be careful with female friends and female relatives - you could end up losing a lot of money in trying to help them out. Do not act as guarantor for anybody. To control the financial loss atleast to a certain extent, keep a set of PaKua Horoscope Coins always with you and a set of Dragon & Phoenix Coins at home.

HEALTH :

Stay hygiene. Be careful with the quality and quantity of your eats. Don’t take uncooked raw food and deep freezed foodstuff. Some could get infections related to stomach, abdomen, chest and ribcage. Females could get ovary problems and are advised to go in for a thorough gynecological and urological check-up. There could be some bruises and injuries too, but of minor nature. Drive carefully.

LOVE :

Not much love luck either. Many relationships will suffer due to your short temper. Ignore gossips and rumours. Do not allow your frequent mood swings to cloud your judgement. Avoid even the slightest argument otherwise you will regret a lot. No matter how much you love your spouse, the marital equation will drastically deteriorate. For singles, not a good year for courtship or marriage. Better place a statue of Three Generations Turtle or Three Generations Dragon Head Turtle in the East of the living room. In the South West of your bedroom, you can display a pair of pink Mandarin Ducks, if you are married.

Beneficial Crystal : Amethyst, for 2006

Good Relationship with : Rat, Rooster & Monkey, for 2006

Conflict with : Tiger, Ox & Dog, for 2006

Yin/Yang : Yang

A NOTE ABOUT REMEDIES : The above analysis has suggested some remedies/cures for reducing the impact of negative energy and has recommended certain enhancers for increasing and improving upon the beneficial energy. For the remedies/enhancers to be effective, they should be cleansed, energised, blessed and programmed not only for the particular individual/family but also for the specific purpose/problem. They should also be placed in the indicated location. Any or all of these remedies can be reused for the coming new years, the only thing is that some of them may have to be repositioned according to the specific new year.

Tenant loans an unbelievable opportunity for tenants only

Good news for tenants! Now they can also access to loans market easily, as these days tenant loans are also available. For tenants, applying for a secured loan is not so easy. Since they do not possess any property thus they cannot use any thing as collateral against a secured loan. In such cases, tenant loan can be appropriate for them to finance their dreams.

As a sort of unsecured loans, tenant loans are available without any collateral. Thus a tenant easily can avail these loans. But the borrower’s credit history and repayment capacity will be judged by the lender at the time of offering tenant loans.

But for availing a tenant loan, borrowers have to fulfill the following criteria:

Fulltime employment

A direct debt card acceptance facility should be attached with borrowers’ bank account.

Presence of identification and residential proof.

And contact number - mobile or landline.

With tenant loans, a borrower can borrow anything from Ј1,000 to Ј50,000 along with a flexible repayment period of 1 to 25 years. Here, the reader should be aware that due to the absence of security, lenders charge high interest rate with tenant loans. But one can make the interest rate in his favor by negotiating. Even, if the borrower’s credit history is good then he can avail these loans at flexible rate of interest.

Tenant loans can be used for various purposes like:

For consolidating debts

Investing for property(own house or other real estate)

Making a holiday trip

Repairing credit score

Wedding purposes

Buying new car and many more…

Seeming profitable…isn’t it? But do remember that you will have to submit three years accommodation and address details and three years employment history along with a tenant loan application. Thus, if you change your abode or job recently, then you may have to face some hurdle at the time of availing a tenant loan.

At the same time, individuals are advised to check their repayment capacity at the time of availing a tenant loan. Still, the risk of collateral repossession is not attached with these loans, but in case of failing to repay the amount, lenders can jeopardize borrowers life by taking some legal steps.

Tenant loans are available for all sorts of tenants - council tenants, housing association tenants, MOD tenants, private landlord tenants, living with parents, housing executive tenant etc. These loans are providing them a chance to shape their dream and set it in the realm of reality.

Email marketing is still hot for small business

How do you communicate with your customers? We all know that there's getting to be more and more online activity. How much? According to the Pew Research Center:

The proportion of Americans online on a typical day grew from 36% of the entire adult population in January 2002 to 44% in December 2005. The number of adults who said they logged on at least once a day from home rose from 27% of American adults in January 2002 to 35% in late 2005.

On top of that, Americans don't feel overloaded by the information they're getting on the web. Pew Research stated:

Just 15% said they sometimes felt overwhelmed by the amount of information they had, while 71% said they had all the information they needed and thought it was manageable, and 11% said they were missing information that they wish they had.

It makes me further think about how we communicate with our customers. Some businesses have jumped into the blog world in hopes that their customers will come and engage with them online. That works for some but this strategy doesn't work well for many small businesses because their business just isn't the type to draw attention to itself such that a customer would want to come and read about them in the normal course of the day. Do you want to know what's going on in the world of sandwich making, hair cutting, or pool/spa maintenance? Me either, not so much that I would return again and again to hear it.

The good news is that I would like to hear about special offers my hair cutting place has or new sandwiches my favorite sub place has coming out. And I, like most people, would like to hear about it through email. There continues to be more techie ways to send information out there (like RSS), but email is THE killer application... the most used, it allows you to push your message to your customers when you wish and they pick it up when they wish. It is effective and personal because it comes from you, allowing you to share offers and news. What's more, it allows you to develop a relationship with your customers.

This is all good and true, but knowing this and doing nothing about it will not help you grow your business. Here's my shameless plug for PromoterZ(tm), a system that automates the sending of special offers through email. It doesn't require more time from an already busy small business owner either, in fact it's kind of like having a really cheap employee that talks to your customers 24 hours a day, 7 days a week. It also encourages your customers to send referrals about you to their friends, making it a word of mouth marketing tool. Additionally, it gives you feedback from your customers about the most important thing they can tell you about your business.

PromoterZ(tm) is the internet marketing tool for small business. (End of shameless plug.)

Gala bingo an entertaining online bingo site

Gala bingo prides itself as the UK’s number one bingo operator. Well, based only on its very alive and energetic look on the homepage, you are sure to find lots of exciting games are ahead. Signing-in is very easy with their 3-easy steps. You need to deposit a minimum amount of Ј5 in order to play and win real cash. For first-timers, a bonus of Ј10 will be credited to your account when you spend at least Ј5 on any bingo games, either on this site or on Gala TV. Yes, Gala bingo is also on TV!

At Gala Bingo, they thought you should decide how to play your Bingo, so they are offering you the choice of three great venues to visit, from three Bingo clubs. There will be chat games in two of the rooms, and they are looking forward to giving the players the chance to win bonus money, which will be added to their account at the end of the chat game. Remember, you must be an active player in chat to participate in the live chat games.

They promise to add more rooms as the demand grows, the aim being to make Gala Bingo your first choice for online Bingo and Gaming. A nice feature is the ability to try out some of the games available in a trial mode and the selections of these include bingo, slots, games including scratch cards, Hi-Lo, 3 versions of Blackjack, lotto and roulette. Under the preferences tab, you will find ways to make your online identity unique to yourself. Would you like to be Marilyn Monroe or perhaps even James Bond? You will find many avatars here, including celebrity options, along with a vast choice of other fun features. So you can create your identity to suit your mood!

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Teeth whitening works for me

Teeth whitening can be a highly effective way of lightening the natural colour of your teeth, not removing any of the tooth surface. It can not make a complete colour change; but it will lighten the existing shade.

There are a number of reasons why you might want to get your teeth whitened. Artists were some of the first to do it, and it was tax deductible for them! Yes, they needed it and many other public persons followed.

Very few persons have brilliant-white teeth, and our teeth usually become more discoloured as we get older.

Your teeth can also be stained on the surface through food and drinks. Tea, coffee, red wine and blackcurrant make a difference not only in the short run. And smoking do stain teeth. Some people may have staining under the surface, which can be caused by certain antibiotics or tiny cracks in the teeth which take up stains.

Professional bleaching is the most common form of tooth whitening and your dentist will be able to tell you if you are suitable for the treatment. First the dentist will put a rubber shield or a gel on your gums to protect the soft tissue. They will then apply the whitening product to your teeth, using a specially made tray which fits into your mouth like a gum-shield.

The ‘active ingredient’ in the product is usually hydrogen peroxide or carbamide peroxide. As the active ingredient is broken down, oxygen gets into the enamel on the teeth and the tooth colour is made lighter. The total treatment can be done within three to four weeks.

First, you will need two or three visits to the dentist. Your dentist will need to make a mouthguard and will take impressions for this. Once your dentist has started the treatment, you will need to continue the treatment at home. This means regularly applying the whitening product over two to four weeks, for 30 minutes to one hour at a time.

However, there are now some new products which can be applied for up to eight hours at a time. The treatment can be performed when you sleep. This means a satisfactory result can be achieved in as little as one week.

There is now laser whitening, even called power whitening. During this procedure a rubber dam is put over your teeth to protect the gums, and a bleaching product is painted onto your teeth. Then a light or laser is shone on the teeth to activate the chemical. The light speeds up the chemical reaction of the whitening product and the colour change can be achieved more quickly using this procedure. The effect of laser whitening is good, teeth can make up to five or six shades lighter.

Your dentist will need to check your teeth to make sure that you are suitable for the treatment. This procedure is fast and usually takes about one hour.

The effects of whitening can last up to three years and will vary from person to person. Of course the effect is less likely to last as long if you smoke, or eat or drink products that can stain your teeth. Some people may find that their teeth become sensitive to cold during or after the treatment. The symptoms are usually temporary and should disappear within a few days of the treatment finishing.

Home kits are cheaper but because tooth whitening is a complicated procedure you should only have it done by a dentist, after a thorough examination and assessment of your teeth. Home kits that you buy over-the-counter will not be able to lighten your teeth noticeably. And some contain mild acids and others are abrasive. This can cause ulcers and damage to the gums if the product is not used properly.

There are many whitening toothpastes on the market. Although they do not affect the natural colour of your teeth, they may be effective at removing staining and therefore may improve the overall appearance of your teeth. Whitening toothpaste may also help the effect last, once your teeth have been professionally whitened.

We recommend that you look for an accreditation symbol on the packaging of oral care products. This is a guarantee that the claims made about the product have been scientifically and clinically checked by an independent panel of experts.

As you know many dead teeth go discoloured after a root filling. If the tooth has been root treated, the canal (which previously contained the nerve) may be reopened. Then the whitening product is applied and will work from the inside to whiten the tooth.

You can do a lot to keep your teeth white by cutting down on the amount of food and drink you have that can stain teeth. Stopping smoking can also help prevent discolouring and staining.

Take care of your teeth - brush twice a day with a fluoride toothpaste. Cut down on how often you have sugary snacks and drinks and visit your dentist at least once a year.

Southwest airline flights fares

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Recently, southwest airlines have announced their new flight schedule and fares from Philadelphia from May 9 2004. Now customers can easily purchase tickets for the new service with airfares starting from as low as $29 one way.

Even the most expensive airfare offered by the Southwest airlines to and from Philadelphia is quite inexpensive. In the beginning these airfares started at a mere $49 one way to Providence and they top out at only $299 one way for cross country flights to Las Vegas, Phoenix and the west coast. You are not required for an advance purchase or overnight stay on these unrestricted fares.

Southwest airlines is quite popular for its low fare leadership and the legacy carriers that serve Philadelphia are charging up to a whopping $497 one way for an unrestricted ticket to Providence (Boston area) as compared to southwest’s meager $49 one way unrestricted fare to Providence. In the same way, the walk up fare of the southwest between Philadelphia and Chicago midway is only $99 one way.

In case you purchase at least 14 days in advance of your departure and within one day of making reservations, southwest offers a non refundable fare between Philadelphia and Chicago for only $79 one way as compared to its competitors who charge $123 each way. Therefore you can easily find a comparable savings across the board.

For more information, visit southwest-airlines-guide. info

Algebra again

Getting online Algebra homework help is pretty similar to getting Algebra homework help offline or in a real classroom. Getting Algebra homework help online or in an offline classroom seems to be a more effective way of learning than the more unorganized ways of getting Algebra homework help by asking a friend to pitch in or taking assistance from a parent.

Systematic Algebra Help

The most important thing to consider is that students must be encouraged to study in a systematic, formal manner regardless of the fact that they learn online or offline. In both online and offline classrooms, they tend to follow an organized course outline with proper learning interventions and takeaways. This ensures that they learn Algebra concepts more effectively and more quickly .

Instant Algebra homework help

One of the most important elements of effective Algebra homework help is instant and immediate feedback and this holds true if students learn in an offline or an online environment The feedback they receive is customized to their specific problem and is given in real-time. This is a huge advantage over other forms of distance education or asynchronous E Learning. However, with online synchronous E Learning getting Algebra homework help and feedback in real-time has become possible. Such instant feedback has been shown to improve retention and quicken the learning process.

Such simultaneous reactions in real-time also offer another benefit. It improves the motivation of student and helps them to keep pace with the rest of the class. This is one of the biggest advantages of online or virtual classrooms that offer Algebra homework help – a sense of belonging and a community feeling is fostered in each child. Such an inclusive feeling is often lacking in students of distance education who don’t use a synchronous online classroom for getting Algebra homework help. Interest wanes quickly in such students and they are quickly de-motivated. Alternatively, online synchronous study substantially increases enthusiasm to get Algebra homework help.

Disciplined Algebra homework help

Online and offline classes offering Algebra homework help are held at regular times and dates. If students attend these classes regularly, then it instills discipline and some form of regulation in the life of the student. Such discipline is often lacking in other students of distance education. Such classes help students to prioritize their learning and study schedules which allow them to keep aside some time for free play and relaxation.

Just in Time Algebra homework help

One of the biggest advantages of online as well as offline classrooms is that students get just in time, just enough Algebra homework help. Students of higher education feel this is particularly helpful because there are some students who might feel overwhelmed or over awed with all the new types of advanced Algebra concepts . If such concepts are taught a bit at a time, in small controlled doses, it helps provide Algebra homework helpin a timely and in a more effective manner .

Both forms of Algebra homework help – online and offline – come with their own set of disadvantages as well as differences. However, both the online as well as the offline mediums of getting Algebra homework help have some very real benefits from which every student should be able to benefit.

First french club to lift europe s top club trophy now under investigation for faul play

Former Marseille midfielder Jean-Jacques Eydelie told French sports daily L'Equipe that the whole Marseille team, except striker Rudi Voeller, received an "injection" before the 1-0 win over AC Milan. According to him the Marseille players were asked to stand in a line to receive an injection before the match.

He also said doping and match-fixing was commonplace during his time at Marseille. He was also involved in the match-fixing scandal in which Marseille was stripped of its 1993 league title for bribing opponents before a match. Eydelie said he was ordered to give money to the wife of former Valenciennes player Christophe Robert to convince him to lose the match in 1993 against visitors Marseille.

According to Bernard Tapie, former president for Marseille soccer club, Eydelie tried 18 months ago to bribe teammates for money threatening to take reprisals if they said no, so he says this could all be seen as a set up. He also denied the allegations and said he plans to take legal actions against Eydelie but the European soccer's governing body would have to investigate the allegations first. If these allegations were proven to be correct the UEFA would.

Marseille beat Milan 1-0 to become the first French club to lift Europe's top club trophy. . The team included goalkeeper Fabien Barthez and captain Didier Deschamps - both of whom won the World Cup with France in 1998.

On the other hand Arsenal's French manager Arsene Wenger described former Olympique Marseille chairman Bernard Tapie as a bad influence for French soccer.

Wenger said it did not surprise him, he also said it was the worst period that French football has been through. He assured it was “gangrenous from the inside because of the influence and the methods” of Tapie at Marseille

Marseille won 1-0 and clinched their fifth consecutive title. They were stripped of the championship the following year and demoted to the second division after the scandal erupted. They were also banned from defending their European title.

Florence s fortezza da basso

Fortezza da Basso, called also Fortezza of Saint John the Baptist (the patron saint of Florence), was commissioned by the Medici family and built in 1533 in the northern area of the historical city centre of Florence.

The architecture and design of the Fortezza

The complex of the “Fortezza” was built like those of a mediaeval city thanks to the idea of Antonio da Sangallo the Younger, one of the greatest architects in Florence, with the help of Pierfranceco da Viterbo: the facade of the dungeon are designed with spherical spearhead made of stones, to resemble the symbol of the Medici family. At the time of the demolition of the Florence city walls dating back to ‘300, during the brief period of Florence capital of Italy, the fortress was isolated and its walls were levelled.

Once a house of correttion, nowadays the, most important exhibition space in Florence

Under Piero Leopoldo Fortezza da Basso was used as house of correction: today, Fortezza da Basso is the largest exhibition centre in Florence, with an area of 34,000 metres, to hosts the most significant exhibitions and fairs of the city (Pitti Immagine, Florence Gift Mart, EuroCamper, Prato Expo, International Craft and Trade Fair).

All the main events in Florence are staged at Fortezza da Basso

All the main events in Florence are staged at Fortezza da Basso, even the “strangest” ones, like “do-knit-yourself”, a national meeting of fans of knit-bars, the new fashion that broke out in USA and Japan, or “Terra Futura”, and international meeting about sustainability in the future world.

This year “Terra Futura” in Florence

Terra Futura, born during the World Social Forum in Nairobi, is coming back to Florence at Fortezza da Basso. 3 days for a project promoting a more sustainable development of social, environmental and industrial issues: alternative energy, international cooperation, ethic finance. Institutions take part to the event that stages meetings, workshops, other than exhibitions and pure entertainment.

Building a room addition - first develop a room addition plan

Building a Room Addition can be one of the best investments you can make in your home. Building a room addition, such as a family room addition, or bonus room can add wonderful new living space to your home. However, prior to starting a room addition, a homeowner should first formulate a room addition plan. There are several key factors that should be considered prior to breaking ground.

Developing a room addition plan should include both interior and exterior considerations. With many room addition projects a homeowner can draw up the basic room addition plans, including the floor layout and the physical exterior shape and size of the addition. However, if the roof lines and/or foundation footprints on the existing home or the new room addition are complex, an architect may be required. An architect may also be required to ensure that the finished room addition aesthetically melds well into the existing home. This is a key factor for resale value. If a room addition appears as an afterthought to the home it will be aesthetically unappealing to the neighborhood and to someday prospective home buyers.

When planning a room addition, the permit / inspection process will typically include an overall building permit, as well as electric, plumbing, and insulation permits. In order to complete the building permit process you will need drawings or sketches of the room addition. Besides overall sketches of the room addition with overall dimensions, the drawings will also need to include cross-sectional views showing the framing type and physical sizes of floor joists, roof rafters, and wall framing construction. You will also need a bill of materials and a cost estimate for the construction. The building inspector will use this information to determine if the construction will meet all construction and safety codes. The building inspector also uses the Bill of Material and cost information to assess the amount of the permit cost.

During the building of the room addition, inspections should be completed after the:

· Foundation is poured

· Rough framing completed

· Rough Electric completed

· Rough Plumbing completed

· Insulation completed

· Final Inspection / Occupancy Permit (Electric/Plumbing are complete)

Whether hiring a general contractor or planning to be a do it yourself carpenter and general contractor a budget and time table should be developed prior to starting the room. Not only is it necessary in the permitting process, it will help in identifying long lead items and provide the information necessary for financing the project if required. In addition, if acting as your own general contractor creating the time table will help assist you in determining need dates for sub contractors.

With room addition building plans and permits secured, as well as a solid Bill of materials and a timetable completed, a homeowner can begin the room addition project with a high likelihood of a smooth and successful home building project.

For more help on building a room addition, see HomeAdditionPlus. com's Room Addition Bid sheet. The Room Addition Bid Sheet will help ensure that your room addition project goes smoothly and is completed on time and budget.

Baccarat history and american baccarat rules

If we put aside the black ties, the velvet curtains and the overall exclusive atmosphere, baccarat is one of the simplest casino games around. In addition, baccarat is a beatable game with a low house edge, which makes it one of the best bets you can make! Here you can read about baccarat history and learn how to play the game.

Both the American and European versions of baccarat and the French Chemin de Fer are late developments of the Italian game called baccara, which means zero in Italian. The origins of baccara go back to an old Etruscan myth. According to the myth, a blonde virgin had to toss a nine sided die to decide on her destiny. If the die landed on eight or nine, she would have to fulfill her destiny and become a priest. If the die landed on six or seven, she would be forbidden to participate in any religious activity. If the die landed on any other number, the virgin had to walk into the sea.

The Italian game baccara was popular among French aristocracy during the end of the 15th century. Baccara had evolved to the European version of baccarat, which is still played in European casinos today as well as the French variation of baccarat known as Chemin de Fer, which is mainly played in casinos in France. The American version of the game was introduced to Nevada casinos in the 1950s by Francis Tommy Renzoni, who imported the game from Havana.

Baccarat still carries an aroma of aristocracy and exclusivity. In American casinos, baccarat is played in a separated area of the casino, hidden behind velvet curtains. Baccarat players are usually dressed up and the betting limits are higher comparing to other table games. In order to attract the medium budget players, a lower limit version of baccarat, called mini baccarat, was invented. Mini baccarat is played on a smaller table, inside the casino gambling area with lower betting limits than baccarat.

How to Play Baccarat

Baccarat is played with 3 dealers and up to 12 or 14 players. Baccarat is usually played with 8 standard card decks. Aces valued as one, face cards and ten cards valued as zero, and the rest of the number cards worth their face value. The suit has no meaning. The object of the game is to get as close to 9 as possible.

The play begins by all players, including the dealer, placing their bets either on the player, the banker, or on a tie. Traditionally, the dealer bets on the banker. The dealer can be the house dealer or one of the players. After everyone has placed their bets, the dealer gives two cards to each player and to the banker.

The score of each hand is calculated as the sum of the two cards minus the left digit. For example, if the sum of the two cards is 15, the score would be 5. The decision whether to deal a third card is determined by a set or rules and it is not up to the player or the dealers decision.

If the score of the players hand is 9 or 8, he wins

If the score of the dealers hand is 9 or 8, it is a tie

If a players score is 7 or 6, he can be dealt a third card

If a players score is 5 or less, he has to receive a third card

If a player gets a third card and the score of the dealers hand is 2, 1 or 0, he must draw a third card

If the score of the dealers hand is 3 and the players third card is any value but 8, he must draw a third card

If the score of the dealers hand is 4 and the players third card value is between 2 and 7, he must draw a third card

If the score of the dealers hand is 5 and the players third card value is between 4 and seven, he must draw a third card

If the score of the dealers hand is 6 and the players third card is 6 or 7, he must draw a third card.

If the score of the dealers hand is 7, he cannot draw a third card.