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Monday 29 June 2009

The Power of Love - Dating Smart

You don't need to depend on fate to bring “The One” to your doorstep. You might have to wait a very long time.

You don't have to be the prettiest girl or the most handsome guy to be a successful dater. You don't need a huge bank account. You don't have to drive a new sports car, live in a large home, have the best sense of humor, or the most confidence. These things are all desirable; but chances are, they won't keep the target of your affection around forever.

So what is it that you need to get and keep your love around? The answer is simple.


Many people looking for relationships are searching for someone to complete them, to fill in what is lacking in their own lives. A smart dater pays attention to detail, determines what it is that the other person is lacking, and ultimately provides it. A smart dater knows that when you are a source of something another person needs to be happy, you have power over them.

The first step to achieving power and becoming a smart dater is assessing the personality of the person you want to be with. You must zone in on the characteristic that defines the person most. Then, use your observations about their personality to determine what the person needs in his or her life to be happy. Finally, provide it.

Take, for example, the aggressive personality. If you're in love with The Aggressor, you know that he or she isn't a bit shy. The Aggressor knows what he or she is after, and thrives on the challenge of attaining it. Love with The Aggressor can be compared to a sport, and The Aggressor is looking to win. Like in any sport, an easy victory can be quite boring and quick. Your task is to give the Aggressor a challenge. Do not let your heart be an easy win. If you do, the Aggressor will simply move on to the next person. When the Aggressor leaves you a voice mail to call them back, forget to call. When the Aggressor asks you out for a date, once in a while tell them that you are too busy. Be moody, selfish, and difficult from time to time. Now, don't be completely mean – remember, you must give kindness and affection to The Aggressor as much as you take it away. This will drive The Aggressor insane, and cause him or her to lose focus of the game. In no time, you'll be holding the trophy.

Perhaps your love interest is not The Aggressor. Perhaps he or she is reserved and shy. This personality type tends to be innocent, and maybe lacking in solid relationship experience. You job, then, is to initiate The Quiet One into the realm of relationships and dating. Give The Quiet One something to get excited about. Shower The Quiet One with frivolous gifts and attention. Approach The Quiet One with zest, energy, and an ultra-positive attitude about life. Essentially, bring The Quiet One out of his or her shell, making them feel comfortable with you. In return, The Quiet One will become almost dependant on you for fun, activity, and love.

There are a myriad of personality types you will find out in the world. Another is The Snob. This person needs an average Joe or Jane to bring them down to earth. They won't want to stoop to the level of giving you a second look – but be persistent. The Snob's affection is earned. The more affection you give, the more flattered The Snob will become. This is because The Snob, by trait, likes to be given things. Instead of spoiling the Snob with things he or she already has, provide something unique. Cook The Snob romantic dinners at home, and skip the fancy restaurants. Pick the female Snob wildflowers instead of buying traditional roses. The Snob can then brag to other Snobs that he or she has someone “different” than everyone else. And as you know, Snobs always like to have what everyone else doesn't.

There is also The Soap Opera Star. If you have the saintly qualities needed to love The Soap Opera Star, more power to you. This person eats, sleeps, and breathes drama. Take the normal ups and downs in life, and multiply them by 1000. Such is the life of The Soap Opera Star. The Soap Opera Star misplaces his golf club, and everything that happens from that point on in the day is absolutely ruined. Don't be surprised if The Soap Opera Star takes his or her troubles out on you. If you desire to love this gem, patience, understanding (even if you must pretend) and the ability to console are qualities you have to put forth. The Soap Opera Star will end up completely in love with you. If you decide to leave The Soap Opera Star, he or she will stalk you.

Another popular personality is The Complainer. Everything annoys The Complainer. You can tell The Complainer that he or she looks nice today, and they will respond with a very serious, “Why do you have to lie to me? I gained 5 pounds in the last week, my pants look too short, and I'm having a bad hair day. I definitely know I can't trust you to tell me the truth.” If you truly love The Complainer, you will never take their words to heart. You will also keep providing them with more topics to complain about, like a drug supply to an addict. Bring up topics that you know they love to moan about. They, in turn, will provide you with hours of one-on-one conversation. You'd better have a good ear to listen, and be able to support them in their outlandish claims. Don't expect to do too much talking yourself. The Complainer will love you to death. Literally.

All in all, no matter what type of person you are trying to win over, you can do it with a little bit of common sense and consideration. Think your way through the situation. That's all it takes. The power of love is in your hands.

What Are Business Loans?

Business loans can be defined as money lent for a specified amount of time at a specific interest rate to a specific person or people that operate a business or plan to operate a business. This definition is very broad, but so are the various types of loans available to business people. Deciding on which type of business loan that you and your company will benefit from the most is very important. Often times, a start-up business or someone that has never owned a business will find themselves more or less applying for a “personal” loan. This can be a very risky endeavor, mixing business loans with personal loans, however, often times it is the only available means for first time business owners.

One of the first things personal business owners need to do is establish business credit. Business credit can help you get a business only loan without using your personal credit. Establishing business credit can be done by:

1.) Opening up a business credit card account and paying it in full.

2.) Buying equipment and supplies from companies that will report good standing to the business credit bureaus.

3.) Having a good business plan with potential earnings, letters of intent, and any type of customer contracts already laid out.

All of these types of endeavors can help in receiving a business loan. Often times, financial institutions require in-depth business plans, be prepared to spend days working on just the certification paperwork prior to applying for a business loan. A business only loan can be obtained in the business name without use of personal credit as long as the business can justify the loan amount and the ability to pay it back.

There are several different types of business loans available, ranging from those secured with collateral, non-secure loans, which are based upon the credit worthiness of the applicant, and even government loans for small business ventures, women and minorities. Government loans are those loans secured by the government; in most instances these loans are available when the business or owner can prove that the community will prosper based upon the business at hand. For the most part, government loans are based upon personal credit.

The basis for which you may need or require a business loan may vary. Some of the most common business loans available to business owners are:

  • Acquisitions or a loan to acquire an existing business
  • Inventory loans
  • Account Receivable Loans
  • Working Capital Loans which converts a companies assets into working capital
  • Equipment Leasing
  • Commercial Property loans
  • Warehouse financing
  • International business loans
  • Franchise loans

One of the most important tools when deciding on what type of business loan your company needs is research. Researching the different types of loans available to you and your company can save you money. First, look into the different type of business loans available to you in your state. Many states have government loans available; some even offer grants, which is money available for specific purposes that do not require repayment. Research the different type of Federal loans available. You can do this at the following website: Call your local bank and investment companies regarding the business loans they have available for you. Many times, business loans are not that hard to acquire. With research and a good business plan, your dreams may come true.

Lingerie Makes Great Gift for Him and Her

It is cliché to say that lingerie is the gift that “gives to him and her”, or is “the gift that gives back” because clearly the man does not lose when he gives lingerie out as a present. The only time the plan backfires is when he gets something in the wrong style—or much worse—the wrong size. But when the man puts some time and consideration into the purchase of some lingerie, he and the receiver are rewarded which is why it makes a great gift.

Too often men find themselves tempted to buy whatever they happen to find attractive or sexy. These same men are then surprised later on when their girlfriend or wife is utterly repulsed by the lingerie and refuses to wear the garment. It takes a special kind of woman to tolerate a thong but men continue to thrust their desires into lingerie purchasing decisions that utterly conflict with the desires and tastes of the partner. Thong sales only account for 23% of all lingerie purchases which is why odds are that a woman probably will not appreciate a thong as much as the man giving it.

In order to make a lingerie gift successful, the man must do his homework. What about her body is she most proud of? Whatever part of the body this happens to be, make sure to buy lingerie that accentuates this. For a woman who is particularly proud of her cleavage, a halter might be the way to go but a chemise would probably be best for someone with nice legs. No matter what part of the body she happens to be most comfortable with, there is definitely a piece of lingerie out there made to complement it.

The color of the lingerie is very important to consider as well. When deciding upon color, you have to take into account the partner's hair. Blondes tend to do best with lighter colors or even pastels. Brunettes need a color that accentuates their darker hues so purples or even dark greens and reds work well for women with this color of hair. Redheads need a dark color but it must be complementary which is why greens and blues work best.

Now lingerie need not only look great—it must feel even better! Basically, if you enjoy touching it, she should enjoy wearing it. Silks and satins are always great choices as they are always smooth to the touch and feel great on her as well. For men or women shopping online, only buy fabrics that you are personally familiar with so you know what to expect.

The right style, color, and fabric will not make the slightest difference in the world if you get the wrong size. Too many sad jokes are made about men trying to size up their partner's cup size by using their hands to cup imaginary breasts. Anyone shopping (either online or at a retailer) should know the sizes of the garments they are after before ever looking at styles and colors. If it is possible, ask. If not, you will have to play detective and sneak a peak at her unmentionables while she is in the shower or something. No matter how you do it, just make sure you get those sizes or it may come back to haunt you.

Lingerie can definitely be one of the most intimate and rewarding gifts a person can give or receive. When the desires, size, body, and tastes of the receiver are taken into consideration when making a purchase, lingerie can be rewarding to the buyer in ways no other gift possibly can. But, when a person buys something that they will like without being considerate of the person they are expecting to wear the item, a lingerie purchase can backfire. Lingerie should be a gift that a person remembers fondly so be sure to think of how she would feel wearing the item before buying and you are sure to have many happy returns!

Term Life Insurance. What Is It All About?

What is term life insurance? You have an interest in buying term life insurance, that is why you are reading this article, and you want to know how it really works. Right? Well, there are many types of term life insurance and I am going to give you a brief explanation as to how each one works.

Decreasing Term Life Insurance

Decreasing term life insurance is very popular with home owners and mortgage companies. The homeowners want to know that the mortgage is paid off if they should prematurely die, and the mortgage company want to be assured that they are repaid the money loaned to the homeowner. The face amount of these policies decrease in a uniformed manner each year as the balance owed on the mortgage decreases, and the premium remains level. This is very inexpensive life insurance.

Increasing Premium Term Life Insurance

This is initially the cheapest term life insurance you can buy. The death benefit remains level for the duration, however, the premiums increase every year and as a result this may turn out to be the most expensive term life insurance you can buy. If you should purchase this policy it would be wise to convert to a level plan as quickly as possible.

5 Year Level Term Insurance

The face amount of this policy remains level for the entire 5 year period and so does the premium. Upon death the face amount is paid either in one lump sum or in the form of an income. If you have a short term need for life insurance, like covering a bank loan, then this may be the plan for you.

10 Year Term Life Insurance

Like the 5 year term life insurance policy, the ten year term life policy can be used to cover a bank loan, but it can do considerably more. It can be used for family protection and a myriad of other needs. The face amount of the policy remains level for the duration and so does the premium. Some companies allow you to continue the policy after 10 years with an increase in premium.

20 Year Term Life Insurance

The 20 year term life insurance policy is probably the most popular of term life policies. The death benefit remains level for the duration and in some cases so does the premium. With some companies, however, the premiums increase after the first 10 years to reflect the cost of the additional risk to which the insurance company is exposed as the insured gets older. All in all, the 20 tear term life insurance policy is fairly inexpensive and does the job it is intended to do.

Unlike whole life insurance, universal life insurance or variable life insurance, term life insurance does not have cash values or earn dividends. There is a fairly new type of term life insurance policy, however, called a return of premium policy which returns all your premiums at the end of the term period, if you do not die. The premiums are so high it may not be worth your while to buy this type of term policy.

Legal Debt Collection Tricks

If a customer owes your local business money, it's hard not to feel angry, like you want to do anything possible to get your money back. But the days of going all out to collect on a debt over.

The Fair Debt Collection Practices Act, designed to protect consumers from harassment or intimidation, sets firm limits on what you can do to collect a debt from a consumer. The federal debt collections law even prohibits practices that were once standard, and that you might not consider harassment at all.

Besides, as a local business, you have an even more powerful reason to be especially careful about legal debt collection issues. You have something much more valuable at stake than a lawsuit: your business's reputation in the community.

Legal Debt Collection Best Practices:

There are plenty of articles on the web that lay out in plain English what the Fair Debt Collections Practices Act says you can and cannot do. Just to give you some idea of the law's requirements, here are some of the biggest:

- No telling any third party about the debt (except collection bureaus, collection agencies, or the debtor's attorney).

- No calling on the telephone 9 pm - 8 am, or calling repeatedly in a way that is annoying.

- No postcards or envelopes that mention the debt.

- No threats to take actions you cannot or will not really take, such as seizing property, in the case of an unsecured debt.

- No misrepresenting yourself (e.g., "Hi! This is the Publisher's Clearinghouse Sweepstakes. May I speak to John?").

- No paying down the debt with payments the customer has directed be applied to other debts

Tips and Tricks for Legal Debt Collections:

With all these limits on what you can do to collect a debt, what can you do legally?

- Speak with the debtor personally on the telephone

Secrets About Coaching

When you hear the word 'coach', what comes first into your mind? Do you picture a basketball team with a man/woman shouting out directions? Or perhaps a football team with a man/woman pacing to and fro and calling out the names of the players?

Coaching is no longer reserved to sports teams; it is now one of the key concepts in leadership and management. Why is coaching popular?

Coaching levels the playing field.

Coaching is one of the six emotional leadership styles proposed by Daniel Goleman. Moreover, it is a behavior or role that leaders enforce in the context of situational leadership. As a leadership style, coaching is used when the members of a group or team are competent and motivated, but do not have an idea of the long-term goals of an organization. This involves two levels of coaching: team and individual. Team coaching makes members work together. In a group of individuals, not everyone may have nor share the same level of competence and commitment to a goal. A group may be a mix of highly competent and moderately competent members with varying levels of commitment. These differences can cause friction among the members. The coaching leader helps the members level their expectations. Also, the coaching leader manages differing perspectives so that the common goal succeeds over personal goals and interests. In a big organization, leaders need to align the staffs' personal values and goals with that of the organization so that long-term directions can be pursued.

Coaching builds up confidence and competence.

Individual coaching is an example of situational leadership at work. It aims to mentor one-on-one building up the confidence of members by affirming good performance during regular feedbacks; and increase competence by helping the member assess his/her strengths and weaknesses towards career planning and professional development. Depending on the individual's level of competence and commitment, a leader may exercise more coaching behavior for the less-experienced members. Usually, this happens in the case of new staffs. The direct supervisor gives more defined tasks and holds regular feedbacks for the new staff, and gradually lessens the amount of coaching, directing, and supporting roles to favor delegating as competence and confidence increase.

Coaching promotes individual and team excellence.

Excellence is a product of habitual good practice. The regularity of meetings and constructive feedback is important in establishing habits. Members catch the habit of constantly assessing themselves for their strengths and areas for improvement that they themselves perceive what knowledge, skills, and attitudes they need to acquire to attain team goals. In the process, they attain individually excellence as well. An example is in the case of a musical orchestra: each member plays a different instrument. In order to achieve harmony of music from the different instrument, members will polish their part in the piece, aside from practicing as an ensemble. Consequently, they improve individually as an instrument player.

Coaching develops high commitment to common goals.

A coaching leader balances the attainment of immediate targets with long-term goals towards the vision of an organization. As mentioned earlier, with the alignment of personal goals with organizational or team goals, personal interests are kept in check. By constantly communicating the vision through formal and informal conversations, the members are inspired and motivated. Setting short-term team goals aligned with organizational goals; and making an action plan to attain these goals can help sustain the increased motivation and commitment to common goals of the members.

Coaching produces valuable leaders.

Leadership by example is important in coaching. A coaching leader loses credibility when he/she cannot practice what he/she preaches. This means that a coaching leader should be well organized, highly competent is his/her field, communicates openly and encourages feedback, and has a clear idea of the organization's vision-mission-goals. By vicarious and purposive learning, members catch the same good practices and attitudes from the coaching leader, turning them into coaching leaders themselves. If a member experiences good coaching, he/she is most likely to do the same things when entrusted with formal leadership roles.

Some words of caution though: coaching is just one of the styles of leadership. It can be done in combination with the other five emotional leadership styles depending on the profile of the emerging team. Moreover, coaching as a leadership style requires that you are physically, emotionally, and mentally fit most of the time since it involves two levels of coaching: individual and team. Your members expect you to be the last one to give up or bail out in any situation especially during times of crises. A coaching leader must be conscious that coaching entails investing time on each individual, and on the whole team. Moreover, that the responsibilities are greater since while you are coaching members, you are also developing future coaches as well.

Top 3 Tips For Buying An LCD TV

I want a larger screen and so do you. There is absolutely no reason for this wanting except for the feeling of power that a large screen gives you. I have no idea why it is, but we all seem to want a larger screen for our TVs these days. The question is, how to get a good deal on an LCD TV without paying a fortune. Let's give you our top 3 tips on buying an LCD TV.

1)Don't buy a used one if you don't have to. The funny thing about these TVs is that their prices drop significantly every month and that if you just wait a little longer, the price you'll pay for a new TV is probably not going to be too far off from the price that you are going to pay for a used one. A little patience might actually save you some dollars here.

2)Compare features, not just prices. One of our favorite places to go to compare prices on LCD Tvs is Consumer Reports was rating different items way before the internet even become popular. Remember buying your first real car? I do. And I went straight to Consumer Reports to find out that the Honda Accord was the car to buy (and still is according to CR). Shopping for a high end LCD Tv shouldn't be any different than shopping for a new car. All the resources are at your disposal, so give it a try. I'm sure you can find some gems of information at CR regarding your LCD Tv purchase.

3)HD is coming, don't miss out. High definition television has allegedly been “right around the corner” for years. Well, that time may finally have arrived. Some LCD Tvs come HD ready and some do not. Make sure your new LCD TV supports HD so that when it is finally popularized, you can watch the programs utilizing this latest technology.

And by the way, why would someone want to buy an LCD TV over a “Plasma”. And what is a plasma? Are they different than LCDs? Basically yes. The big difference is that they use different technologies to deliver a picture. Both have pros and cons. However, both deliver a large screen experience to the user

Personal Injury Lawyer - Do We Need Them?

Following an accident you'll hear a person say that they don't need to see a personal injury lawyer, TOO expensive! In this article we will set out for you some reasons why NOT seeking, at minimum, a consultation with an accident lawyer could end up costing you a lot of money!

More often than not, regardless of whether you caused the accident or are its victim, if you do not seek a consultation with an accident lawyer as soon as possible after the accident you may well end up regretting your decision. The overriding reasons for saying this are two-fold:

• the insurance company you will be making your claim against are trying to minimise their losses; and

• you most probably don't know what you're entitled to.

As A Victim Of An Accident

Let's assume you are the victim of an unfortunate accident. Let's further assume that your insurance company has come through and has agreed to pay all your medical bills. Now, you may well be feeling that your insurance company are the good guys and you don't need a lawyer's advice. Wrong!

What's happened is nothing less than what the insurance company is obligated to do under the terms and conditions of your accident policy. Moreover, the insurance company is hoping to play on the fact that you feel somewhat indebted to their generosity.


That way, they hope, you'll not bring about a bigger claim for what you are rightly entitled to. In the long run that means that they don't have quiet as big an insurance claim loss and they can still make a profit from your policy.

In short, they are protecting their financial wellbeing at the cost of your entitlement rights. But, unless you have spoken to a personal injury lawyer you'll not know this and you'll feel that everything is fine.

So, the next time you are in an car accident or accident, ask yourself this question: 'Is my insurance company interested in protecting me and my rights, or are they more concerned with paying a dividend to their shareholders?'


On the other hand, a professional compensation lawyer is normally an ethical impartial third party who knows what your rights are. Aside from possibly being paid a fee, not from or by you, he's also likely to have another job to help a victim better than its' insurance company, (and, keep in mind, if any court proceedings occur, these fees are reclaimed from the opponent side).

So, why shouldn't they tell you the truth about what accident compensation you are entitled to? What's more, even if he does have a financial interest in your case, surely the better compensated you are, the better compensated he is?

As such, if anything, he has even more interest in making sure that you know exactly what your rights are and of making sure that you claim for those rights according to what you are entitled to.

Looked at it like this, it not too difficult to see who the interested party is and who the independent party is. Now ask yourself: 'Do you want to take advice from someone who is interested in minimising your claim, or someone who is interested in maximising it?'

Cause Of An Accident

Now let's look at it from the point of view of, you being the person at fault in the accident. You may well feel that you have nothing to fear, as your insurance company will pay for the damage done. You may even find that initially your insurance company agrees with this. But why...?

Unless you see an accident lawyer as soon as possible after the accident you'll never know. Why? Are you 100% sure that it was your fault...?

Being Polite

The insurance company has to be polite, you're their customer! However, once the claim is over and you're thrilled with their service, you're definitely going to renew your policy. But the extra couple of hundred they ask for will justify the accident? 'Sir/ma'am, you had an accident and your premium has increased!'

Knowing exactly what your rights or obligations are after an accident can be extremely tricky. In most cases it will depend on what happened to cause the accident in the first place.

As such, seeking the advice of a compensation lawyer as soon as you can following an personal injury is the only independent way you can really determine and know exactly what you are entitled to or what you may be liable for arising from the accident.

Hair Accessories: When And How To Use Them

In the 80s, the hair accessory was invaluable. Almost every style involved some sort of accessory or embellishment to really set it off. Today, hair accessories not a part of everyday style and care should be taken as to when and how to use them so that you will not look dated.

With that said, there are some occasions that scream for accessories: Work, social occasions and formal events may all have you searching for the perfect accessory to set off your look. While different occasions will call for different hair accessories, a good rule of thumb to follow is to choose the sedate accessory over one that could not go unnoticed in a crowd of a few hundred or a few thousand.

While choosing the right one can be tricky, there are a few pointers that you can follow to help you pick the perfect hair accessories to complete your look. Here are just a few:

· Work. In many work situations, you will likely have to wear your hair up. No matter if your type of employment requires it or you simply like to change your look now and then, wearing your hair up calls for the right accessory to do the job. The number one rule to finding the right embellishments for work is to avoid banana clips at all costs. I mean, who still makes these things? Apparently they're making money at it or they wouldn't still be producing these torture devices of the 80s. Don't further their cause: stop buying this accessory. The second rule is to choose accessories that closely match your hair color or that blend nicely with it. Matching a hair clip to your clothes is only cute when you are 5-years-old. What you choose will depend largely on your length of hair and how you like to wear your hair up. For French twists, choose hair accessories that resemble over-sized hair clips. Simply twist and clip.

· Social and formal occasions. In social and formal occasions you have a greater opportunity to express your artsy side through accessories. Again choose sedate pieces over garish eye catchers. Classy pieces can be perfect for social occasions, whereas a little sprig of flowers or garnishment may be needed for formal occasions. Formal occasions are the only time that is okay to match your accessory to your clothing. But still, do not go overboard. What attracts the eye should be the beauty of your hair, not too-busy additions to it. If in doubt about what accessory or how much of it to include, opt for the simple solution: use as little as possible.

The bottom line with hair accessories is that too much of a good thing can confuse the eye and make your do look garish. Simple hair accessories, on the other hand, can make a bold beauty statement that makes your hair the talk of the office or party.

How To Plan For Kitchen Remodeling

Kitchen remodeling is one of the most desirable home improvement projects for many homeowners. A new kitchen increases the value of your home and makes your life easier. The first step to your new kitchen is to set a budget. Decide how much money you are willing to spend. This will help drive your other decisions. Be sure to leave a cushion in your budget for additional, unexpected expenses.

When determining your budget, consider how long you intend to stay in your home. If you are planning to sell in the next year or so, you may want to spend less money. Decide which features you must have in your new kitchen. You can cut corners in other areas by substituting less expensive materials for the counter tops, flooring or cabinet doors.

Research Kitchen Trends

Before you start planning your remodeling project, do some research on the current trends and designs being used in kitchens. Look for information on the internet or in home decorating magazines. Visit your local home improvement center for more ideas. Start a file for pictures of kitchens you love, furniture, appliances, fabric swatches or anything else you find interesting. This will help when you are ready to start purchasing items for your new room.

Options in Kitchen Remodeling

Cabinets are an expensive item in any remodeling project. They often take up half of the overall budget for the room. If you can't afford the cost of brand new cabinets, there are cheaper alternatives. Consider cabinet refacing rather than replacing the entire cabinet. In refacing, the doors are replaced and exterior wood areas are covered. This is much less expensive since you are using the same cabinets. An even cheaper alternative is to paint your existing cabinets and buy new hardware.

If you must have new cabinets, consider adding some extra features. Features such as tilt out drawers, pull out garbage cans or a lazy Susan inside a corner cabinet are great space savers and make the room more functional. The doors can be either solid wood, clear glass or stained glass. Shop around to find out what is available before making a purchase.

You can save money on flooring and countertops as well. Substitute vinyl flooring in place of more expensive ceramic tile to save money. If you can install ceramic tiles yourself, you can have them for about the price you would pay a contractor to install vinyl flooring.

Countertops vary widely in price depending on the material that is used. Counters that are more durable are also more expensive. You may want this if you want to be able to cut food directly on the counter. For most people, this is an easy way to cut the overall cost of your kitchen. You can find less expensive material that gives the look of marble, butcher's block or other expensive materials.

Once you have decided what you want, consider how much of the job you can do yourself. Contractors can eat up a large portion of your budget. The more you can do, the more you will save in the overall cost of the room. Use the savings for great new furniture.

How Investment Plans Work

More people are choosing investment plans than ever before. With the rising cost of living and the growing insecurity about the availability of many retirement funds, many individuals are looking to investment plans to begin a nest egg or to make some additional money via investment without having to spend a lot of time purchasing stocks and bonds.

Investment plans allow individuals to simply purchase a specific amount of stocks, bonds, or indices on a regular repeating basis, cutting out a large part of the hassle while allowing for some of the main advantages of investment.

If you've been considering an investment plan but aren't completely sure what they might entail, the following information might help you to decide whether or not an investment plan is the right investment option for you.

The Mechanics of an Investment Plan

Basically, an investment plan is a method of making multiple investments over time at regular set intervals. The funds for the investment are taken from a cheque, savings, or money market account automatically, and are used to purchase stocks or bonds that you have decided upon beforehand. In most cases you can change the amount, frequency, or purchased stocks or bonds of the automatic investments at any time, though depending upon the broker through whom you're doing the investments you may be subject to fees or penalties especially if changing details relatively close to the next investment date. Most online investment firms offer investment plans that you can change at any time free of charge.

Deciding How Much to Invest

When deciding how much to invest each cycle with an investment plan, you should take care not to overextend your funds and bring yourself up short. Make sure that the amount that you choose is available and that you'll have it to spare each time your investment comes up… it can be difficult to plan for events in the future, and just because you have a surplus now doesn't mean that you won't find money running tight a few investment cycles from now.

If you feel that you're reaching a point where you won't be able to afford your regular investment, go ahead and reduce the investment amount or put a hold on the next scheduled investment… better to put less in than short yourself afterwards.

Choosing What to Invest In

Making the decision of which stocks and bonds to invest in can take some time, but it's worth it… this is your money that you're dealing with, and you shouldn't invest it without putting some thought and research into your decisions. Find stocks or bonds that have performed well over time, and that are likely to continue doing so… they may be expensive at times, but you aren't making your total investment all at once so it doesn't matter as much.

Don't be afraid to add new stocks or bonds to your plan later, either… this can help to diversify your portfolio.

Deciding On an Investment Interval

You also need to decide how often you wish to make your investments… this will largely depend upon the cycle of your paycheques and your monthly bills and expenses. You may decide to invest once per month, after everything has been paid, or you might want to invest a little from every paycheque.

The more often you invest, the lower the amount of each investment can be… after all, two or four small investments per month might end up purchasing more than one larger one.

Decide on what works best for your lifestyle, and modify it as needed later if it doesn't seem to work out for you.

Internet Safety

Parents are constantly struggling with ways to keep their children safe online. The Internet has a global reach and at this point no bounds, or limitations. Outside of installing filtering software children should be educated in order to protect themselves to this virtual monster. We've put together a collection of ten tips that should be observed while surfing online. At the very least these tips will prompt family discussions regarding safety.

1.) When on the internet personal information should be kept private. Just because someone asks doesn't mean you need to tell them. When someone asks for personal information, consider how they might use that information and whether it is necessary for them to have it.

2.) If you are conversing with someone online, don't assume that they are being honest with you. Just because they say they're 16 doesn't mean they are.

3.) Do not release your password to anyone, even if they say they are from your online provider.

4.) Overall it is best not to respond to unsolicited e-mail (SPAM), if there is something flagrant or inappropriate in the e-mail, consider reporting the sender to their Internet Service Provider (ISP).

5.) Do not give out or post identifying information, including address or telephone numbers.

6.) You may want to create a nickname for a screen name in chat rooms.

7.) Keep in mind when posting in chat rooms or newsgroups, that there may be lurkers (people who read but do not post). Your information can be read and seen by all.

8.) Keep an open dialogue with children surfing the Internet, remember if they come to you with a problem, your first reaction should not be to take away the Internet. Applaud child's confidence in confiding in you and work together to find a solution.

9.) Overall it is not a good idea to post or exchange pictures over the Internet

10.) Try to keep in mind the Internet is global and is *not* governed by any entity. This means that there are no limitations or checks on the information posted and accessible to Internet users.

Principles of Interior Design

Whether you are working with existing furnishings and fabrics or “starting from scratch” with an empty room, you should always use the elements and principles of design as a guide in choosing everything. The elements are your tools or raw materials, much like paints are the basics to a painter. The elements of design include space, line, form, color, and texture. The principles of design relate to how you use these elements. The principles of design are balance, emphasis, rhythm, proportion and scale, and harmony and unity.

Principle #1: Balance

Visual equilibrium in a room is called balance. It gives a sense of repose and a feeling of completion. A well-balanced room gives careful consideration to the placement of objects according to their visual weight. The elements of line, form, color and texture all help determine an object's visual weight, which is the amount of space it appears to occupy. Balance also refers to how and where you place the elements (line, form, color and texture) within a room. To maintain balance, try to distribute the elements throughout the room.

• Formal balance, often referred to as symmetrical balance, creates a mirror image effect.

• Informal balance uses different objects of the same visual weight to create equilibrium in a room. It is more subtle and spontaneous and gives a warmer, more casual feeling.

Principle #2: Emphasis

Emphasis is the focal point of the room. The focal point should be obvious as you enter the room; it is the area to which your eye is attracted. Whatever is featured, as the center of interest –a fireplace, artwork or a window treatment framing a beautiful view – must be sufficiently emphasized so that everything else leads the eye toward the featured area. You can add emphasis to a natural focal point or create one in a room through effective use of line, form, color and texture.

Principle #3: Rhythm

Rhythm supplies the discipline that controls the eye as is moves around a room. Rhythm helps the eye to move easily from one object to another and creates a harmony that tells the eye everything in the room belongs to a unified whole. Rhythm is created through repetition of line, form, color or texture. It can also be created through progression. Progressive rhythm is a gradual increasing or decreasing in size, direction or color.

Principle #4: Proportion and Scale

Size relationships in a room are defined by proportion and scale. Proportion refers to how the elements within an object relate to the object as a whole. Scale relates to the size of an object when compared with the size of the space in which it is located.

Principle #5: Harmony and Unity

A well-designed room is a unified whole that encompasses all the other elements and principles of design. Unity assures a sense of order. There is a consistency of sizes and shapes, a harmony of color and pattern. The ultimate goal of decorating is to create a room with unity and harmony and a sense of rhythm. Repeating the elements, balancing them throughout the room, and then adding a little variety so that the room has its own sense of personality accomplishes this. Too much unity can be boring; too much variety can cause a restless feeling. Juggling the elements and principles to get just the right mix is a key to good design.

Why Is Umbrella Insurance Important

At some point, you have probably heard of umbrella insurance, but have no idea what it is. Well, first off, it does not cover the umbrella you protect yourself from the rain. It is a figure of speech. An umbrella policy is designed to shield you from almost everything that your home and auto insurance does not, as well as fill in gaps in coverage when the limits of your regular policy are exhausted.

Every day, there are personal lawsuits filed against ordinary citizens, with the reasons ranging from the frivolous to the justified. When and if this happens to you, you need to be prepared. More often than not, people are sued and have no extra protection to block the plaintiff from going after their personal assets in the lawsuit. To protect yourself from such a quandary, you need to have umbrella insurance.

An umbrella is often referred to as excess liability. This excess liability coverage kicks in when the underlying limits on your home or auto policy have been exhausted, or if you are sued personally for something that neither your home nor your auto insurance covers. Depending on the company, you can purchase anywhere from 1 to 5 million dollars worth of excess coverage, sometimes as high as 10 million.

The amount of coverage you select really depends on how much you are worth. If you have 5 million dollars worth of personal assets, you should get a 5 million dollar umbrella. It is not uncommon for someone to buy a 5 or 10 million dollar umbrella policy even if that number far exceeds their net worth, because the coverage is so cheap to buy.

Most insurance companies will not offer you the coverage unless you have both your home and auto already insured with them. Also, the insurer will require that you maintain a certain level of liability on the home and auto policies in order to qualify for the excess policy. Usually, you must maintain at least $250,000 of bodily injury liability per person, $500,000 per accident, and $100,000 for property damage for your autos, and $500,000 of liability for your home.

The coverage is cheap. It is possible to obtain 1 million dollars worth of excess liability for as little as $120 dollars. The more cars and homes you have, the higher the price for the insurance, but the cost is still low. In addition to your home and cars, liability associated with any other conveyances you may have, such as boats, motorcycles, and other recreational vehicles, may also qualify for coverage under the umbrella, depending on the insurance company.

You are probably wondering when the umbrella would actually come into play. Here is an example: If you are involved in an auto accident where you crashed into a pedestrian who was walking on the sidewalk, resulting in medical expenses for that person that costed more than what your auto policy covered, the umbrella would be used. Or, if that pedestrian then decides to sue you for negligence and seeks punitive damages, your umbrella can be utilized to cover your legal expenses and to pay any judgements levied against you.

It is also important to understand that the excess liability covers you for all sorts of things that have nothing to do with your cars or homes. Things such as personal injury protection are covered. This includes false arrest, false imprisonment, malicious prosecution, defamation, invasion of privacy, wrongful entry, or eviction.

Also, some umbrella policies provide coverage for you if you are sued in connection with any charitable boards or organizations of which you are a member. You may have to contact your insurance company and pay an extra premium for this type of coverage.

I hope this has helped illuminate to you the importance of having umbrella insurance. Without it, your personal assets are totally vulnerable in any lawsuit or legal action. Talk to your agent about it and ask how much it costs. Even though multi-million dollar lawsuits are not common, they can happen. So, an umbrella is probably worth it.

Saturday 27 June 2009

Hunting Equipment for the Novice & Experienced Hunter

When embarking on the sport of hunting it doesn't take long for one to become very familiar with the necessary and required hunting equipment. Depending on the type of hunt, clothing, decoys, calls and ammunition can all differ. Aside from the basics, some people will swear that a particular piece of equipment is crucial to a hunt.

Others might not ever use that piece of equipment. It is not uncommon for a hunter to devise his or her own personalized hunting gear over a period of time. This allows a person to hunt with confidence, security and a feeling of stability.

The debate between whether to buy gear at a department store or at a sporting goods store continues to be a center of controversy. If a store specializes in outdoor sporting goods you will usually find a larger assortment and quality of items not found anywhere else. The sporting good section of a department store will offer a general selection of items that are much more affordable.

If you are hunting on a budget department store prices are usually your best option. This is especially true when the same item found in the specialty store can be found for considerably less at the department store. It is often necessary to make the purchase from a specialty store for high quality equipment or specialty items. But you most likely will not be able to find it anywhere else.

While some companies only make one type of hunting equipment or only one line item, there are other companies who create numerous lines of gear. Many offer items from clothing to tree stands. Deciding on a piece of equipment can be much like choosing a new TV or coffeemaker. There are so many different types and brands, it can sometimes be overwhelming when making the right choice.

Fortunately, one of the most valuable tools available for hunters are hunting equipment reviews. Websites dedicated to hunting oftentimes have areas where one can solicit the opinion of other hunters that are familiar with a certain products or pieces of equipment. The honest and open opinions of these individuals can help to narrow down the available choices.

Hunting equipment is not only for hunters. There is also a wide variety of equipment made just for hunting dogs. A blaze orange hunting vest can keep your dog safe when flushing pheasants in the field. In addition, dog booties can help keep the his feet from getting frostbite on those wintry hunts.

One important piece of hunting equipment to have is a canine first aid kit. Accidents can happen for a dog during hunting just as easily as it can for a hunter. There is nothing worse than having one's best hunting buddy injured and not have a way to help him when this happens. Be sure to buy a kit that come completes with not only first aid items as well as booklets that show how to deal with different types of injuries.

What is Humour

Humour or Humor is the ability or quality of people, objects, or situations to evoke feelings of amusement in other people. The term encompasses a form of entertainment or human communication which evokes such feelings, or which makes people laugh or feel happy. The origin of the term derives from the humoral medicine of the ancient Greeks, which stated that a mix of fluids known as humours (Greek: chymos, literally: juice or sap, metaphorically: flavour) controlled human health and emotion.

A sense of humour is the ability to experience humour, a quality which all people share, although the extent to which an individual will personally find something humorous depends on a host of absolute and relative variables, including geographical location, culture, maturity, level of education, and context. For example, young children (of any background) particularly favour slapstick, such as Punch and Judy puppet shows. Satire may rely more on understanding the target of the humour, and thus tends to appeal to more mature audiences. Non-satirical humor can be specifically termed "recreational drollery".

A Few Tips For Burglar Proofing Your Home

Burglar proofing your home does not necessarily require installing expensive burglar alarm systems. In fact, there are several steps you can take to make yourself a less likely target - and each of these burglar-proofing tips is absolutely free!

First, the simplest step you can take to burglar-proof your home is to make sure to always lock your doors and windows when you are away from home. Even those people that would not normally rob a home can be tempted to do so when they find a door left unlocked.

To further help burglar-proof your home, you should do whatever you can to make the house appear occupied at all times. This means never leaving a note on your door stating that you are away. Similarly, you should always leave a light on in one or two rooms of the house. Even better, put a lamp or two on a timer. That way, it will give an even greater appearance of activity in the home.

The garage is another popular target of burglars and you will make it easy for a burglar to get in if you carelessly leave your garage door opener inside of an unlocked vehicle parked outside of the garage. If your garage is attached to your home, this simple mistake will also provide the burglar with easy access to your home.

If you will be away from your home for an extended period of time, such as going away on a business trip or on a vacation, be sure to leave your contact information with a friend you trust. That way, the friend can contact you if an emergency occurs. Also, ask the friend to collect your mail and newspapers while you are away. Otherwise, have delivery delayed until you return. Piled up mail and newspaper is a telltale sign that no one is home.

You also need to be aware that many burglars scope out a home for a period of time before they actually rob it. This allows the burglar time to gather information in order to improve his or her chances of getting away with the crime. One method burglars use is to actually call the homeowner ahead of time, posing as a solicitor or a survey conductor. Never answer personal questions if you receive one of these phone calls - it is just the burglar's way of trying to find out what you have in your home. Similarly, do not list your address in the phone book. This just makes it easier for a burglar to take advantage of you.

If all the goal setting secrets of the greatest achievers could be condensed into a handful of principles, the 5 listed above would suffice. Every other discussion of planning, thinking, programming, intending, organising, managing or controlling are simply corollaries of the above 5 principles.

Kids' Closet Organizers

“Mom, I can't find my shoes!” “Dad, where's my backpack?” How many times a week do you hear these and similar cries? Probably more than you'd care to count. These frantic pleas for help can be heard daily in homes across America. Families late, children missing busses, parents stressed—all due to a serious lack of organization. Kid closet organizers can help.

Most homes do not offer adequate closet space, especially in children's rooms. The space they do provide is often poorly designed, offering only one rod and a top shelf. With an effective closet organizer, however, you can actually double the storage capacity of your closet.

Closet organizers for children's rooms are available in a variety of fun colors, such as bright primaries and pretty pastels. Traditional white and wood colors are also available. Organizers can be found to match most any décor, including popular children's characters.

Like regular closet organizers, child closet organizers are available in a variety of materials, such as wood, laminate, metal, and wire. Some organizers are even made of durable cloth canvas.

Kid closet organizers can be purchased as closet organizer kits or systems. Kits are designed for either the budget conscience or the do-it-yourselfer. Starting at $20, they contain everything needed for the closet. You simply choose the correct size and the desired components. Choices include such things as single or double garment rack, shelves, shoe cubbies, drawers, wall hooks, toy bins, and baskets. Assembly is required. Some kits are made of durable plastic and simply snap together; others will require tools.

Child closet organizers are also available as closet organizer systems. Systems are fully assembled. You simply measure the space, choice the components, and put in place.

Closet organizers can be floor-based or wall-mounted. Floor-based units give a built-in look, while wall-mounted systems keep the floor clear.

With a well-designed closet organizer, your child's closet can be neat and orderly—no matter your budget.

Home Improvements – The Fun Stuff

Planning home improvements necessarily involves addressing numerous practical matters. That doesn't mean you should ignore the fun stuff!

The Fun Stuff

The first thing to plan for in home improvements is the practical stuff. The second thing you need to talk to family members about is the fun stuff.

Most people have colors they like and colors they don't like. They have things that interest them and things that don't. Get your family to talk to you about those things. Each person's bedroom, or bedroom area, should reflect his or her taste and interests.

A boy who likes green, football, and backpacking can easily have a sage green (it “reads” as more neutral than many shades of green if re-sale of your home is a concern) room with cream woodwork, cream interior shutters, and cream ceiling. Framed football posters and wilderness scenes might be pleasant. Bedding with a rustic motif (rows of stylized pine trees?) from L.L. Bean or Plow and Hearth would work right in. Add a touch or two of a bright color like red or yellow.

Does he need a desk in his room? A chest of drawers? A bookcase? Would he enjoy having a bulletin board? Even if they're small, most rooms need at least three lamps so that illumination is general and even. The shades are usually best in warm, neutral colors. (Light coming through green shades tends to make people look sick.) Lamp shades should be level and the seams should be toward the wall so they're not visible. When the bottom edge of most lamp shades in a room are the same height from the floor, the room tends to look serene and cohesive.

Hanging pictures usually look best if the bottom edges of the frames are the same height from the floor and level with each other, too. There are exceptions to this and every generalization of course. A grouping of pictures can have the bottom tier follow the “rule” while all of the other pictures are higher. A picture over a fireplace often looks good higher than the other pictures in the room.

Pictures usually look best when they have a relationship to furniture or an architectural feature. Pictures centered over a chest, bed, bookcase, or fireplace are good examples. Pictures don't tend to look good if they're scattered willy-nilly around a room, or if they're up near the ceiling (unless they're part of a grouping), or if the height at which they're hung varies wildly with no rhyme nor reason.

A girl who loves pink, the ballet, and swimming can have woodwork the same cream as her brother's while her walls are a soft pink (a pink with a hint of yellow in it tends to go well with cream), and her art work reflects her interests. If she loves to read, make sure she has a good reading lamp near her bed, or near a comfortable chair, or both.

A cream colored dust ruffle with widely spaced pink stripes and a quilted plaid coverlet in pink, green, yellow, and blue on a cream background might look nice. Add cream fabric window shades with large pink polka dots and I'll bet she'll smile.

The bigger point is to simply have fun with some of your home improvements. There is no need to look exclusively at practical matters.

The Perfect Home Based Business and How to Start

Day by day people scour the internet looking for a home based business to set them financially free. What happens more often than not is that people end in worse shape than when they started. Why you ask? The answer is not so simple.

The key to finding a home based business starts with knowing yourself. That means knowing what you are good at and what you do not do well. You must also be honest with yourself when doing this. We would all love to be perfect in every aspect of life but the truth is we are not and we have to accept this fact. This is important because picking a business in which most of the tasks that need to be done are your strengths will increase your chances of success.For example let's say you are not much of a talker. You do not talk much to people who you do not know and you keep to yourself usually. You are however extremely organized and love to write. It would most likely be in your best interest to be an article writer or ghost writer. They do not require you to do much talking or go to meetings all the time.

The next thing you need to know is the product or service that you will be offering. The more you believe in your product or service, the more you will sell. Now before I go on there is a handful of people in the world that could sell ice to an Eskimo or sell water to a fish but these people are the exception rather than the rule. For most of us if we do not believe in what we are doing we will not reach the level of success that we desire. People will be able to tell if you believe in your product or not. So if you are looking at a network marketing company try being their customer for a couple of months before you join the business. Once you try the product or try the service then you will know how you feel about it. On top of that you will be more prepared to answer question about it because you have become familiar with it.

Once you picked a business that relies on your strengths and a product or service you can believe in you have to choose what your budget is going to be. Remember that most home businesses take at least months before you really start seeing results off so it is important to keep within a budget until then. If you decide to join a mlm you may have the type of sponsor that says you should buy this or buy that it will really help your business. Remembers that you need to stay within your budget. If the recommended items are out of your budget ask your sponsor to rank the items by importance. This way you can stay in budget and get the items most needed first.

OK now you have your business, our product, and your budget now you are ready to start your business. Just remember that it is a business and should be treated as such. Running a home based business can be more difficult than running a traditional business. Running a business from home offers many distractions; Kids, TV , your bed, etc. You could have followed this guide perfectly but mess this up and you will not succeed. If you do not take it seriously you will just be wasting money and wasting time and since how most people start up home based businesses to have more time and more money you would be defeating the purpose. Make sure the home office is secluded so that when you are working you cannot be distracted.

Now that you have your business running you must market it. Marketing is how you get customers. Now there are many forms of marketing such as newspaper ads, flyers, TV ads, mailing lists, pay-per-click ads, power-linking, and many others. How you market your business is up to you. Each technique has its own strengths and weaknesses. Obviously you will want to keep your budget in mind when picking a method of marketing.

Diversify your marketing as much as possible, and remember... the more people that see and know your business the more business you will do.

Holiday Planning Tips For Busy Moms

Ahhh, the Holidays…… The Thanksgiving turkey comes out of the oven golden brown, with an enticing aroma that fills the entire house. All the china is in pristine condition and not a single piece in the set is missing. The family is gathered for holiday pictures, the children are poised perfectly; hands to themselves, not a hair out of place and their smiles are shining brightly for the camera. Then just as the photographer is about to capture the shot… you wake up!

Let's be realistic ladies. Without proper planning, the holidays are anything but a holiday. Just look at the list of things that need to be done: Shopping, cooking, cleaning, decorating, sending holiday mail, the list goes on and on.

Let me clue you all in on a few key questions that you should ask yourself in order to have a holiday season free of stress and worry, and instead filled with fun and laughter:

What types of holiday celebrations do you want? For example: Do you want to have an immediate family only holiday affair or an extravaganza including immediate and extended family plus a few friends? Once you've thought everything through and decided on the type of holiday gathering you would like, you can then start making your plans.

If you are ready to get a head start on organizing yourself, your family and your holiday check lists, then keep reading:

Holiday Cards: Start early! I use a holiday card list that I derive from saving names and addresses from holiday cards my family has received in past years. I created a simple, computerized list that is easy to edit and print onto address labels. Be sure to stock up on stamps so that when you have your cards signed, stuffed and addressed you can affix a stamp to them and make one, simple trip to the Post Office.

Holiday Gifts: There's nothing like getting a HUGE credit card bill in the mail at the start of the New Year. Many of us tend to want to be generous when shopping for holiday gifts. While your generosity will be appreciated at gift giving time, keep in mind that it is very easy to succumb to "impulse buying" and go all out on your holiday shopping. While your intentions may be good, your pocketbook may be singing a different song. Set a budget and stick to it – your bank account will thank you for it after the start of the New Year.

Wrap it up: Wrap your gifts and place nametags on them immediately after you bring them home, then store the gifts in a secure spot. This will cut down on those late night wrapping sessions that I am sure we ALL have experienced a few times, if not every year.

Baking & cooking: If you will be cooking during the holidays, it is important to plan your meals ahead of time. Be sure to stock up ahead of time on all the necessary non-perishable baking ingredients such as flour, sugar and spices. Create a list of your holiday menus and a list of the ingredients you will need to prepare each of those meals. Also, try to think of a few dishes that can be prepared ahead of time and then frozen as an extra timesaving measure

Delegate: This is one of my favorite tips. Be sure to enlist the help of your family or friends. Sit down and discuss what needs to be done then ask for volunteers. If no hands are raised, simply assign small tasks to each of them. Whether it is arranging for a babysitter so that you can escape for a child free day of shopping, passing the shopping list onto another family member or friend so that they can pick up the items for you, or letting the children decorate your home. Be sure to get the whole family involved in the holiday preparations so that you will not be overwhelmed.

Enjoy: Whatever you decide to do, remember to relax and enjoy yourself. You and your family will have much fonder memories of this holiday season if you are not spending it pulling your hair out.

Prevent Heart Disease

You should always keep in mind that whatever actions you do today can either help to prevent, delay or minimize the effect of heart disease or worsen it. The key is to control risk factors. Granted that you cannot control every risk factor for heart disease such as family history but you can definitely do something about your behavior. Age and gender also influence your risk of heart disease.

Major Risk Factors of Heart Disease

Cholesterol Levels

Cholesterol is a type of a lipid, a soft, fatlike substance that serves as a source of fuel. Excessive cholesterol can cause buildup of atherosclerotic plaque. Accumulation of plaque in arteries can block blood flow and lead to a heart attack. LDL cholesterol, the so-called "bad" cholesterol, is transported to sites throughout the body, where it's used to repair cell membranes or to make hormones. LDL cholesterol can accumulate in the walls of your arteries. HDL cholesterol, the so-called "good" cholesterol, transports cholesterol to the liver, where it's altered and removed from the body.

Blood Pressure

Normal blood pressure level is defined as less than 130 millimeters of mercury (mm Hg) for systolic blood pressure and less than 85 mm Hg for diastolic blood pressure. The higher the blood pressure, the more likely it is to take a toll on the heart and on the brain. Blood pressure should be checked whether or not your levels are high. For normal, check once every two years. For high-normal, check once a year. If extremely high, you should get immediate care. Then get multiple measurements to know if a high level is sustained over time.


Another risk factor for heart disease is diabetes, a chronic disease of insulin deficiency or resistance. Type 2 diabetes, the most common type, is associated with obesity and may be prevented by maintaining ideal body weight through exercise and balanced nutrition.

Tips For Controlling Risk of Heart Disease

Stop Smoking

The effect of smoking on your lungs can cause almost every other medical condition.

Get Active

Routine physical activity is highly recommended and helpful in controlling obesity. Try to perform 30 minutes of moderate physical activity every day. Fast walking is one of the best way to prevent heart disease. If you can lose even a small amount of weight, five pounds for example, it may have a positive effect on lipid levels and blood pressure preventing heart disease.

Limit Alcohol Consumption

Limit daily alcohol intake to three ounces or fewer to prevent heart disease. People who drink large amounts of alcohol (six to eight ounces a day) tend to have higher blood pressure.

Watch What You Eat

Eat five helpings of fruits and vegetables daily to prevent heart disease.

Maintain adequate dietary potassium, calcium and magnesium intake.

Reduce saturated fats and cholesterol to stay away from heart disease.

How to Find Affordable Health Insurance

Affordable health insurance - it seems, especially today, those words just don't belong together in the same sentence. Health insurance monthly premiums have become the biggest single expense in our lives - surpassing even mortgage payments. In fact, if you have any permanent health problems, such as diabetes, or have had cancer at one time in your family history, your monthly cost could easily be more than the house and car payment combined.

Shopping for affordable health insurance can certainly be an eye-opener. If you have always had a health insurance benefit where you work - especially a state or federal employee - and now have to buy your own, you may not be able to afford the level of health insurance coverage you have become used to.

Affordable health insurance, however, is definitely available -if you know how and where to look.

When you are looking for affordable health insurance, you want the lowest cost per year that will fit your budget, of course. But, even more importantly, you want a company that has a good record for paying without fighting with you on every detail. Just as there is a car for just about any budget, there is also affordable health insurance. You may not be able to afford a "Cadillac" policy - but then you probably don't need all the frills anyway.

Shopping for health insurance on the internet is the easiest and best way to find affordable health insurance. Here are five reasons why.

1. You don't need a local agent to help you submit the claims for health insurance. The medical provider does it for you. You save money because the health insurance company saves money by not paying the agent commission. This could amount to an 8% to 12% savings to you.

2. All the top health insurance companies are at your fingertips on the internet. Most local agents can only quote you from the few companies that they represent. They may not offer you what is best for you financially or health-wise but only what they happen to have available.

3. Health insurance companies have to be extremely competitive because it is so quick and easy to compare them with their competitors on the internet today. In the past you would have had to visit physically eight to ten agents to do a similar comparison. Most folks just didn't have the time or desire for that.

4. You can change your coverage, deductibles, and payment options with just a few clicks rather than going through the paperwork delay with a local agent (and then finding out he/she made a mistake - more delay).

5. Charging to a credit card means you aren't going to forget a payment and be without insurance. Also, it gives you another 30 days before you actually have to pay. Also, many companies today give an additional discount for "auto-pay".

The key, however, to finding affordable health insurance is realizing that the purpose of any health insurance is to protect you from a major financial loss - not to protect you from spending small money on clinic visits and sliver removal. These small expenses may be cumbersome but they generally will not hurt you. It's the $100,000 heart operation that will break you. That's the financial disaster health insurance was originally designed to prevent.

Also, keep this in mind. Health insurance, as with any insurance, is a gamble. You are gambling that you will draw out more than you pay in. Your health insurance company is gambling they will pay out less. The odds are in their favor for two reasons. They have all the facts for millions of families to average out, so they know the risk in advance. Also, they get to set the rules and the prices. The higher you set your deductible, the more risk you take. This is not a bad thing at all. You will most likely be the winner in the long run.

Yes, finding affordable health insurance is much easier than most people think.

Taking more of the risk with higher deductibles, spending a little time on the internet comparing eight to ten different companies, and deleting coverage that you will not likely need (such as maternity for many folks) will make it very possible to find your own affordable health insurance.

HDTV: Like Looking Out An Open Window

Have you ever watched a movie on a regular TV set, and then watched the same movie on an HDTV? If so, you would have noticed a huge difference! On the HDTV viewing, you see and notice things you've never seen before, even if you've seen the same movie several times! The colors are brighter, backgrounds are clearer, and details are better defined. HDTV is like looking out an open window, whereas in comparison, standard TV is almost like looking through a glass soda bottle. Because of CRT (cathode ray tube) technology, TV is often referred to as "the tube". After watching HDTV, watching standard TV is almost like trying to view through one!

HDTV, or High Definition Television, offers precision sound, original film quality picture resolution, and a wider, better detailed panoramic view. This is made possible by the use of true digital signal which is transmitted via satellite or cable directly to your unit. You'll notice that not only does HDTV offer extraordinary picture clarity and sound, but the scope of the picture just like watching a movie on the "big screen", inside a real movie theater!

The use of digital signal is what separates HDTV from your common television set. The reason why there is such a notable difference between the two is that conventional televisions operate on analog signal. Digital signals are much faster, meaning images are is refreshed more rapidly, therefore providing superb picture resolution. Analog signals are much slower. As a result, the images produced by a television using this type of signal are of low resolution. Simply put, the picture is just not as sharp and view is restricted.

Not only do HDTV's offer superb picture quality, but HD sound is second to none. This is because Dolby Digital surround sound comes standard with HDTV. So, not only does watching an HDTV remind you of a movie theater, it also has the sound system to further enhance the experience.

Along with better quality picture and sound, HDTV's are quite easily integrated with your computer. They are able to easily communicate directly with one another through the use of a type of data compression software such as MPEG-2. Once this software is successfully installed, a whole new world of multimedia technology is literally at your fingertips! For instance, CD-R applications can be transmitted to an HDTV, as well as HDTV programs can be downloaded onto your computer. Either way, the picture resolution is top notch and the signal is stable.

Lastly, HDTV's are more affordable than one might assume. There are many different ways to buy or finance an HDTV system. Some companies offer money-saving offers both in-store and online. Some of these include rebate programs; others include special deals, extra gifts or incentive packages offering items such as hundreds of dollars in gift cards. There are both in-store and online promotions as well as savings with shipping and delivery. Bottom line, HDTV is affordable for almost any budget and well worth every penny!

Hair Loss Solution from a Pill

Most people believe the only way to cure their hair loss problem is from the outside, by using a chemical treatment, shampoo or other topical treatment. These ways can work for you, but in recent medical studies the main cause of hair loss, at least 95% of the time, is either genetic and or hormonal. A hormonal by product, DHT, affects the hair follicles, making them thinner and shrink until nothing is left. Research found that balding men had increased levels of DHT in these areas.

How to solve the problem of increased DHT.

Simply, block it. Specific vitamins, minerals and herbs can block the DHT in your body. By taking these supplements orally, they block the DHT through the blood stream. The hair follicles beneath your scalp get all the nutrients they need to promote new healthy hair growth.


Biotin, part of the Vit B complex, helps with the skin condition of your scalp.

Other B vitamins, like B6, are essential for good health and hair growth.

Everyone knows Zinc helps your immume system, but it also is needed for cell division for the tissue of the hair, nails and skin.

Nettle Root blocks the 2 enzymes that produce DHT, now known to be the leading cause of hair loss.

Saw Palmetto also blocks one of the enzymes, 5 alpha-reductase, that produces DHT.

Gota Kola supports the integrity of hair growth, collagen and skin.

The oil extracted from pumpkin skins is also a natural hair loss remedy.

10 Great Hair Care Tips

If you watch the tabloids, you know that even the stars have bad hair days. It just seems that when the professional stylists are out of the picture, it is inherently human to have a less than glamorous mane. But you can do your part to stay ahead of the battle by following these great tips for hair care.

1. Use a professional conditioner that is formulated for your specific hair type. While you can skimp a little on the shampoo, a good, professional conditioner is a must have. Look for products in salons that are customized for your hair type. For instance: If you have color or a perm, choose a conditioner that is for chemically processed hair. And stay away from those all-in-one shampoo and conditioner combos.

2. Choose a cut tailored to your face and body shape. The number one mistake that people make when choosing a new hairstyle is to pick a style based on popularity rather than how it will enhance their features. Always choose a new cut based on how it will enhance or detract from your facial features and build. If you have broad shoulders, choose a full-bodied cut over a close cropped head hugging doo.

3. Don't forget your UV protectants. Just as your skin gets damaged by wind and sun, so does your hair. To combat this, look for finishing products such as mousses, gels and sprays that block UV rays.

4. Keep your appointments. Did you know that your hair will split faster than it will grow? You need to get a trim every 6 to 8 weeks, even if it's just a micro trim. A good hairdresser makes them good because they know what to leave on the head, not take off.

5. Leave chemicals to the professionals. There is a reason why beauticians need to go to school to learn how to handle chemicals and hair processes. You can do irreparable damage with these products even if the package says that it's way easy. And even if you don't make your hair fall out, you could end up looking like a clown and paying a stylist big bucks to fix your mess. (Note: Most stylists charge double the rate for corrective color than they do for normal color processes)

6. Get color for interest and body. Every cut needs a little bit of color to make it truly breathtaking. No matter whether your taste is subtle or dramatic, you can add interest and volume to your tresses with a color process. Highlights, lowlights, all over color, gray coverage, you name it, it's all good for your look.

7. Do weekly conditioning treatments. Even if your hair is extremely healthy, it is constantly on the attack from wind, sun, cold and heat. During the summer months, your hair is battered even more when it absorbs chlorine and other chemicals from your pool.

8. Get an ionic ceramic flat iron. Instead of frying your hair with a conventional metal plated flat iron. Straighten your tresses, add shine and infuse moisture with one of the a negative ionic flat irons. We personally use T3 irons for all our work.

9. Choose your styling products wisely. Avoid products that leave build-up on your hair. If you see white gunk, that means that your product is not water-soluble and may be coating your hair shaft. Build-up causes limpness, breakage and inability to curl not to mention the white flakes.

10. Did you know that if you use a towel after your shower to dry your hair you are causing split ends and adding static electricity to your hair. Don't rub the towel back and forth over your hair, scrunch the towel around your hair like your would scrunch crackers in your soup.

While all of these tips won't make you look like you've hired a personal hairdresser, they will help you look the very best that you can each and every day. When it comes to hair care, remember that you wear your hair everyday. Now isn't it worth the time, effort and money that it takes to keep it looking spectacular?

What Baseball Could Learn from a Former Skinny Kid

Today's kids are learning a tough lesson. They are watching baseball heroes suffer through some of the effects of steroid abuse. Those huge, powerful muscles Jose Canseco and other baseball greats developed to play the game are coming at a terrific price. That price includes public humiliation, loss of prestige and reputation, and probable financial loss.

What these kids are not seeing is the future health problems these baseball legends will almost certainly experience because of steroid abuse. These can include heart disease; several forms of cancers, impaired immune systems and other problems that will likely have devastating medical effects.

The problem is that many of these kids are themselves being pressured to “be better” at the games ­ baseball, track, soccer or other sports ­ they play. This is to say nothing of those kids who are simply too skinny and underweight to be good at sports or picked for the teams.

Anthony Ellis, a fitness consultant, was one of these skinny kids. He spent a lifetime trying to gain weight. He couldn't stand to look at himself in the mirror. He tried to hide his thin physique with baggy clothes. He wouldn't think of going to the beach and letting his friends see how skinny he really was. He was repeatedly rejected for sports teams because he was underweight and likely to be hurt. Baseball was out of the question.

“The news these days, it seems, is filled with stories about obesity and how people are overweight. I am trying to help people gain weight. What the media doesn't talk about is that segment of the population, people like me, who have trouble gaining weight. This is the group that suffers frustration and low self-esteem because they are underweight. They read the body building magazines and watch sports heroes pack on muscle. They turn to fad diets, unregulated diet supplements and steroids to gain weight.”

“I went through all of the fads, the low self-esteem and the lack of confidence that affects all areas of your life,” Ellis related. “I know how tough it is. But, I finally learned the proper way to eat and weight train.”

Since 1998, Ellis has gained over 60 pounds of lean muscle. His body fat has gone from 10 percent to seven percent. He looks great and feels great about himself.

He has taken what he has learned and put it into an easy to understand, easy to follow program that is entirely natural and entirely safe. It does not include so called “natural” supplements or dangerous steroids.

He has already helped thousands of “skinny guys”, guys just like he once was, gain muscle mass with the right diet and the right exercise. More than 70,000 people worldwide have already obtained results from the Gaining Mass! program. They have done it quickly, safely and without endangering their future health.

The program contains pure information telling users exactly what foods to eat and exactly which exercises will work to help them build muscle and body mass without fat. This is real information, without the fads and without the hype. It works. It has been proven to work again and again.

“Make no mistake,” Ellis says. “This program is not for everyone. It is only for those of us who have trouble gaining weight. We may not all become baseball home run sluggers, but we can look great and feel great. We can do it without all of the problems some of those guys are going to continue to suffer.”

The Gaining Mass! program is the fast and safe way for skinny people to gain muscle mass, greater confidence and heightened self-esteem. This program uses exactly the right diet and exercise. It does not use phony diet supplements or dangerous and illegal steroids.

Players On A Baseball Team

The MLB roster has forty active members. When spring training is completed, only 25 players will remain on the active roster. Minor league affiliates tend to reassign the remaining 15 players.

When the month of September rolls around, the active roster will consist of forty players. This is where the players have the chance to play at a major league level. The term of "having a cup of coffee", comes when a player shows up in September and plays one or two game and never shows back up. If you recall Moonlight Graham did just that. He is known for the Field of Dreams. In the New York Giants game , he appeared in that game and ended up with no at bats.


Before each game the manager gives the umpire a line up with the names of the players that will fill every position. This includes the batting order of the players also.

Nine players are on the line up.



Four Infielders - This consists of a (first , second , third baseman and shortstop)

Three Outfielders - this consists of (left, right, and center fielders)

The pitcher don't bat in the American League , so this gives a tenth player. He is known as the designated hitter.

The remainder varies by team. This consists of four starting pitchers;, relief pitchers consists of five to seven; backup catchers can range between one and two; back up infielders consists of two; and two back up outfielders is needed . This completes the twenty five players.


If for any reason a placer has to be replaced in the field or hitting order , this ends the game for them. They can't return and play in this game. A pinch hitter is brought in just to bat for another player in this situation. Utility infielders are players whose job is to substitute. Then you have utility outfielders that substitute. Relief pitchers are pitchers that come into the game after the starting pitcher. The closer is also a relief pitcher but only comes into the game during the ninth inning. Closing down the opposing team is his job.


If a player on the twenty five roster becomes injured and permanently placed on the disabled list , that player can't return to help his team for a period of fifteen days. This allows time for healing. The more seriously injured is placed on a sixty day disabled list.

When a team don't want to lose a good player for fifteen days they allow this player to be put on a day to day list. If the injury seems to take longer to heal then the start day will be retroactive.

Rule Five Draft

If a player is on the 40 roster and has at least three years of service as of November 20th he can be drafted by other teams . This is for a fee of $50,000. This prevents stockpiling of prospects by teams. Under Draft five the player must make an appearance on the twenty five player roster for the next playing season. If that player can remain on the twenty five roster he can be drafted back by his original team for a fee of $25,000.

Baseball players make plenty of money , but they also pay out great amounts.

Outthinking the Batter When Pitching In Baseball

A boy may have a strong arm and know all the mechanics of pitching, but if he doesn't think about the hitter's weaknesses and strengths, he'll become nothing more than a "thrower" and will not help his team much.

A pitcher, even more than a catcher or manager, will know which of his deliveries the batter can or cannot hit. That is, if he studies the hitter constantly. This is just as true in Little League ball as it is in the Major Leagues. As a matter of fact, the younger the hitters are, the more faults they have. Thus, the young pitcher has a great advantage if he thinks about the hitters. Here are some general principles to follow.

Try to get "ahead" of the batter with the first pitch. That doesn't mean to groove the ball waist high and over the center of the dish. That means get the ball in the strike zone where you think the batter is weakest. If the batter stands so far away from the plate that his bat will not reach the outside corner, there is only one thing to do - pour that fast ball over the outside! If the hitter crowds the plate, fire it over his fists! Now then, if he looks strong at the plate and you know nothing about him, your best pitch is always low and outside or high and inside. Once around the league, the average pitcher should know something about the hitters. Don't worry about not learning all there is to know about every hitter. If you find one or two with weaknesses and can get them out consistently, you've made a good start.

The "situation" (as covered in Chapter 16) tells the pitcher a great deal about what to throw. If he expects a sacrifice, for example, he should pitch high, which will increase the possibility of a pop-up.

If a runner on 3rd streaks for home on a "suicide squeeze" play, he has to keep the ball away from the batter and put it where the catcher can make the tag. (Throwing at the feet of a right-handed batter is recommended; pitch-out if a lefty is at the plate.)

If the pitcher suspects a steal, he shouldn't throw a slow curve but stick to the fast ball.

When a pitcher has a 3-ball 2-strike count on a hitter, he should go to his best pitch. If his "best" is the curve, use the curve. It it's the fast ball, use the fast ball. Remember, though, that the "best pitch" may vary from game to game.

Try not to throw the same pitch twice in a row. Change speeds. Move the ball around the strike zone, always shooting at the corners. In doing this, your objective is to upset the hitter's timing. This is especially important when the pitcher faces the league's best hitters. The long foul, remember, is just another strike.

The pitcher who gets two quick strikes on the hitter should "waste" the next one by putting it where the batter can't possibly hit it.

Don't curve ball a weak hitter! Don't let up on a weak hitter! If the hitter is really weak, the fast ball can overpower him usually. If you throw the curve, you're throwing a slow speed pitch and it may be the only one this hitter can get his bat on.

If you're getting a hitter out regularly with one pitch, don't start experimenting with another.

If you're striking a lot of batters out and the game is going well for you, keep that pitching foot on the rubber and pitch as fast as the umpire will let you. On the other hand, if things are going bad, stall all you can to "cool off" the opposition.