Therapeutic essential oils

Therapeutic essential oils from allspice to ylang ylang have been providing benefits to the body, mind, and soul for centuries. You’ve probably seen the dark, compact bottles with their unusual scents in your local alternative healing store, but maybe you’ve been hesitant to try them. You may have found yourself wondering, what exactly is an essential oil? It is oil that is removed from the leaves, stems, and flowers of a plant. It is highly concentrated and evaporates easily. For that reason high quality essential oils are always kept in sealed containers. Any good aromatherapy or health food store will carry a range of essential oils for a variety of mental and physical ailments.

Some of the most popular therapeutic essential oils are eucalyptus, lavender, and sandalwood. You’ve probably used eucalyptus in the form of potent smelling vapor rub under you nose and on your chest when you have a cold. That’s because eucalyptus helps to clear your sinus cavities, which leads to better breathing. It also soothes sores and insect bites, acts as a disinfectant, and lifts the mood.

Lavender is always a favorite of the therapeutic essential oils due to its ability to relax the body, calm the mind, fight infection, and soothe inflammation. Unlike the majority of essential oils, it does not have to be diluted and can be applied directly to trouble areas. Or, you can use a few drops in your bath to help you relax or to extinguish a tension headache. Looking for something more exotic? Try the woody and rich smelling sandalwood oil. For millennia lovers of the deeply aromatic sandalwood oil have used it as an aid for deeper meditation and spiritual development, in religious ceremonies, and as a treatment for skin conditions and other infections of the body. High quality essential oils like pure sandalwood oil can be pricy, but you’re guaranteed to enjoy the experience. One of the less expensive therapeutic essential oils is tea tree oil, which usually comes from Australia. The scent reminds you a bit of a strong disinfectant, and that’s exactly what it does best – kills germs and bacteria.

Always dilute tea tree oil before using it on your skin. Therapeutic essential oils don’t always come in the mysterious little bottles you see in stores or at your massage therapist’s office. High quality essential oils also come in salves or creams that you can apply to your skin. You not only get the benefit of the essential oil, but you receive the moisturizing properties of the cream.

You can also try pure essential oils in a tincture. In a tincture the oil is mixed with alcohol and applied to the skin. In addition, you can purchase a room or car diffuser which turns essential oil into a vapor and distributes the oil throughout a room for everyone to enjoy. Remember that pure essential oils are always the best, so purchase from stores which carry high quality essential oils.

Experiment with the variety of essential oils that exist to see which ones influence your moods and body the most. http:// meditationandmore. com



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2008 saturn vue inspired by opel

General Motors’ Saturn division is hard at work on building a replacement for its small SUV, the Saturn VUE. Currently based strictly on U. S. technology, the 2008 VUE is expected to be heavily based on Opel technology: Opel is General Motors’ principal European brand. This is good news for those who were concerned that GM would ditch the Saturn VUE. Instead, the SUV will get new life and additional support via its new relationship with Opel. While it is too early to know all the details about the upcoming Saturn VUE makeover, there are some things we do know about this revamped model. Ever since Saturn released the first “S Series” models back in 1990, the company has struggled to maintain a unique identity. Neglected by parent GM, the upstart Saturn brand had to wait nearly a decade before additional vehicles were added to its line including the Saturn VUE SUV. Along with the “L Series” midsize cars, the three vehicle lines [ION having replace the S Series] fully comprised the Saturn line for several years.

Unfortunately, none of the three models were stand out performers, so the brand suffered accordingly. With the demise of Oldsmobile has come new life for Saturn. Now a fully integrated GM division, Saturn is getting additional vehicles to help beef up its line up. Drawing upon its highly regarded dealer network and high consumer satisfaction scores, Saturn is being quickly remade into a European style division. Saturn has Opel to thank for that. Along with the coming Aura midsize sedan which is heavily based on an Opel design, the Saturn VUE will be based upon the Opel Antera GTC. An Antera concept has been making the rounds of auto shows across Europe and what we know about the Antera points to what we can expect to see with the VUE. The Antera is slightly smaller in size than the current Saturn VUE; although the Antera reportedly will have only two doors, the Saturn VUE model will get four doors. Both vehicles are closer in size to the current Toyota RAV4 and Honda CR-V models, their chief competitors. This smaller size also permits Saturn to introduce a slightly larger 7 passenger SUV next year, the Outlook. The 2008 Saturn VUE will feature both four and six cylinder gas powered engines. Expect both AWD and RWD to be offered. The Antera’s front end will be redone to mesh with the current Saturn look. Beyond that, the VUE will likely incorporate current GM technology with upgraded safety and performance features included. A base price of around $20,000 for the FWD model is likely with fully loaded AWD versions retailing for as high as $30K. The 2008 Saturn VUE will be built in Spring Hill, TN home of the original Saturn plant. Along with the Outlook, the Aura, the SKY roadster, the RELAY crossover, and the ION compact, new life is being breathed into Saturn thanks to Opel. This is good news for Saturn fans that have loyally supported the automaker since its inception more than 15 years ago.



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Tanning bed questions and answers

It's important that you get all of your questions answered and concerns addressed before you start tanning indoors. This is because it is a terrific experience and you want to maximize the pleasure and benefits of it by easing any concerns that you may have or thought of. You'll want to speak with a professional at your chosen tanning salon for more details, but here are the answers to a number of frequently asked questions about indoor tanning and the safety thereof: Is indoor tanning safe? Yes, if you do it properly. This is one of the most commonly asked questions about tanning because people are aware that there are risks associated with exposure to UV rays from indoor tanning that might cause skin cancer. If you follow proper tanning procedures and use the right tanning lotions and other products, indoor tanning should be at least as safe as outdoor tanning if not safer. What are the benefits of indoor tanning? In comparison with outdoor tanning, indoor tanning takes less time and gives you a more even tan. Some people also say that indoor tanning is safer, especially if you're using the right tanning lotions and other products. It is also important to tan in shorter rather than longer periods of time, don’t rush it. Do I need to use indoor tanning lotion? Yes. Although it won't be required by your tanning salon, you will want to use indoor tanning lotion. It moisturizes your skin, protects it from the rays and helps to give you an even tan more quickly. Make sure to choose the right tanning lotion for your desired results and try and keep away from oils as it’s generally a mess to use and clean. How often should I go to the salon? This depends on how quickly you want to get a tan. You need to wait 1-2 days between sessions so you'll go no more than 4 times per week. Many people go 3-4 times per week until they get the desired look and then go 1-2 times per week to maintain that tan. How long does a tanning session last? Most people tan for 20-30 minutes during each session. However, this depends on a number of factors so you should work with someone at the salon to determine the right length of time for you and your type of skin. What should I wear for tanning? Since you are going to be in the room alone, you can wear as much or as little clothing as you'd like to get the tan that you desire. Many people wear nothing at all to get a full body tan. Others wear swimsuits since they just want the tan where those on the beach will see them. You will wear eye goggles during the session to protect your eyes from the rays witch is very important. Will I be comfortable at a tanning salon? Most people find that they are a little bit nervous when they first go to a tanning salon because they don't know what to expect or what to do. This anxiety quickly goes away when they see how comfortable indoor tanning is. Most people who tan relate the experience to going to a spa where for a half an hour you will have peace and quiet to yourself in the tanning bed. Staff will be on hand to greet you and make the experience more pleasant. Most people find that they are not only comfortable with indoor tanning but that it's an indulgent experience which they can look forward to every week.



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What is a fico score and how do i make it work for me

: Whether or not you receive a loan and what interest rate you get on your credit card may be determined by something called a FICO score. Named for Fair, Isaac & Co., a California-based company that developed the credit score, the FICO score is the most widely used scoring method to determine credit worthiness. Scores range from approximately 300 to 800 and are provided to lenders by the three credit bureaus, Equifax, Experian, and TransUnion. You also have access to your FICO scores, but will be charged a fee by each credit agency providing your report. According to Fair Isaac, the credit scores of the American public are divided as follows: • 499 and below 1 percent • 500-549 5 percent • 550-599 7 percent • 600-649 11 percent • 650-699 16 percent • 700-749 20 percent • 749-799 29 percent • 800 and above 11 percent A score of 720 or higher will probably get you the best interest rates on a home mortgage. Your credit card company looks at your credit score to decide whether or not to raise your credit limit or charge you a higher interest rate. The higher your credit score, the better you look to lenders and the lower your interest rates. Raising your FICO score can make a big difference to your wallet. Some basic actions you can take to improve your score include paying your bills on time, lowering your account balances, and not taking on new debt. Around the time you intend to apply for a loan, several factors can decrease your FICO score and, therefore, your ability to qualify for credit and low interest rates.

First, order copies of your credit report from all three bureaus and correct any errors you find. Be sure that balances you have paid down are reflected on the report, along with closed accounts and settlements. It's important to get your credit scores from all three credit reporting agencies. Each bureau may have different information about you as reported by retailers and creditors.

Clerical errors at a particular agency may also result in a varying score. Lenders often look at all three FICO scores, and rather than using the average of the three scores, they may use the middle score to determine your credit worthiness. Finding out what this middle score is and doing what you can to raise it is to your advantage. Second, pay what you can on your debt rather than moving it around.

Consolidating your credit card debt may be tempting, but it could lower your FICO score. Here's why: keeping your account balances between 25% and 50% of your available credit, signals a responsible borrower. For example, if you have a credit card with a $2000 limit, you should keep your debt below $1000. The ratio of your credit card balance to your credit card limit will increase if you pile all of your debt into a couple of accounts, rather than keeping it spread out over several. If you have three credit cards with limits of $2000 each, and you owe a balance of $1500 on all three combined, you have a total credit limit of $6000 on which you owe a balance of $1500.

That's a debt to credit limit ratio of 25%. But if you consolidate your $1500 debt into one card with a $2000 limit, you increase your debt to credit limit ratio to 75%, an unfavorable factor in your overall credit score. For this reason, the best solution is to simply pay off your existing cards as quickly as possible. Also important in making the most of your FICO score near loan time is keeping unused accounts open, for the same reason as listed above. Your debt to credit limit ratio will rise drastically if you close your unused accounts. Wait until you have secured your loan to trim inactive accounts from your credit report. Also refrain from applying for any new accounts during this time. Paying off your debt in a timely manner, building a solid credit history over a lengthy period of time, and erasing errors from your credit reports can all help you make the most of your FICO score and, in the end, make the most of your money. Resources: Equifax 800 525-6285 Experian 888 397-3742 TransUnion 800 680-7298 Applicant Screening



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Bad credit debt

In today’s world, there are a lot of things that its very difficult to live without. One of them, is credit. Can you imagine trying to save up for a car until you had enough cash to just pay for it outright? Do you think you would be able to pay for college tuition and study at the same time? Who would ever own their own home?

A life without access to credit when you need it will be severely limited in any number of ways. Everyone, at some time, will be looking for a loan. If you apply for a loan from a commercial lender, they will do a credit check. It doesn’t matter what form the credit takes, it could be a credit or store card, a mortgage, auto finance or a loan to start up your own business. In all of these situations, whether or not you are approved will depend mainly on your credit score. Applying for a loan is not the only time your credit score will be used. Also if you apply for insurance, to rent or lease a home, or even when applying for a job, in all of these situations, your credit rating will be used.

What is your credit score? Your credit score is a rating system used by financial institutions to assess the risk of giving you credit. It will be based on information such as your address, salary, how much debt you currently have, how well you meet your repayments, whether or not you’ve ever been made bankrupt. All of this information will be processed and used to give you a specific score. Lenders will then set their interest rates at higher levels for people with lower scores, and decide on a cut off point, where people with a lower score will be denied credit. You have a right to know the reasons why you have been denied credit.

If you have been denied credit because of information in your credit reference, then you can get a free copy of the report. You can also get a free copy of your report once a year from each of the three national credit reporting companies. Also if there is an error in your report you can notify the reporting company of this and they have a duty to amend your report and make sure it is accurate. Your credit report is used for many important decisions, so you should make sure at least annually, that it is accurate.



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Where to get forex training

For those of you who are interested in forex trading, you may want to start off by getting some good forex training. Forex training is a necessity for anyone with this interest. This is because a lot of money is involved in forex trading. If you don't get some forex training, you are bound to lose a lot of money. Some of you may not even know what forex trading is. If you don't know this, you defiantly need some forex training. Forex stands for foreign exchange.

Forex trading is basically the exchange of one countries currency for another countries currency. This is done simultaneously in hopes of gaining a profit. You can get forex training from several different places. The first place you should get forex training from is online. There are many websites that offer free forex training. The forex training these websites offer is both reliable and accurate. The forex training on these websites often offers a free demo account to teach you how to trade without actually using any real money. A second place to get Forex training is at your local college campus.

Forex training courses at college are usually inexpensive and very thorough. The forex training courses offered should also include hands on experience with trading, to help you get the edge. You can also get some books on forex training or research forex training at your local library. The best place to get forex training is from someone who is already involved in forex trading. The forex training these individuals provide will be more realistic for you and give you different aspects of the forex trading game. The forex training you get should first start with learning how the foreign trade market works.

The trade market is always changing, so you need to understand it first. The second part of your forex training should be about risk control. You never want to invest more than you can afford. The right forex training should teach you how to cut your losses and have less risks of failure. Next, your forex training should teach you how to open and manage a forex trading account. But this should be done with a demo account. All forex training should be done this way first, before you try the real thing.

With all of this in mind, you should be able to find some good forex training. Learn the ropes of forex trading and take the time to learn it well. Be sure to try a demo forex trading account before you start a real account. With the right forex training, you will soon be on your way to a profitable way to supplement your income.



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Credit cards watch out when using your credit card abroad

Going on holiday or business to Spain, France or Italy this year? Then watch out for a new ploy to overcharge your credit or debt card. Many restaurateurs and retailers in these countries now have the facility to get you to authorise your bill in euros but then they recharge your card in sterling. That sounds innocent but there's a sting in the tail. The retailers charge you an additional service fee of up to 4%! The system is called dynamic currency conversion (DCC). DCC guidelines from Visa say that UK cardholders should be offered the option to either have their card charged in euros or to have the transaction changed into sterling before it goes through. It seems that in practice, few of us are being offered the alternative. Many retailers are charging us in sterling automatically - and with the extra 4% fee! The language barrier might explain the lack of explanation but we are a little more cynical! Even where permission is sought, we doubt whether many restaurateurs or retailers will clearly spell out the additional service fee. After all it's an opportunity to make a bit more profit! Our advice is that when abroad in euro-land always ensure that your transaction is processed in euros. That's because some UK card operators such as Nationwide, Saga and Lombard Direct will convert euros to sterling at no charge. Others, such as cards from our high street banks, will charge 2.75% as a foreign currency loading fee – but even that's less than the retailers' 4% DCC. In fact even with a 2.75% foreign currency loading fee, it'll still be cheaper to use your credit card rather than converting sterling to euros before leaving the UK or converting it abroad at the bureau de change. That's because the exchange rates applied by Visa and Mastercard are often much better than you'd get for your cash and travellers cheques whilst abroad. And please don't be fooled by the commission free advertising outside the bureau de change. They might not charges commission but their currency rates are never cheap – after all, how else do they make a crust? And another bit of helpful advice. Unless it's an emergency don't be tempted to use your plastic to withdraw euros. That's because as with all cash withdrawals, interest will be charged from the minute the euros leave the cash dispenser. Remember, there's never any interest free period on cash withdrawals. And whilst on points to remember, please be especially vigilant about card security whilst abroad, especially if you're travelling in Eastern Europe. Card fraudsters love holidaymakers and business travellers. That's because they're able to enjoy a bit more time with the card before the card is blocked. Chip and pin technology has helped enormously but there are still risks to watch out for. A report we read last week serves to highlight the problem. Mr & Mrs B were on a weeks' break in Prague when Mr B's wallet was stolen by a pickpocket. It was greatly inconvenient and not a little distressing, but they thought that their chip and pin cards would protect them. Imagine their horror when they returned to the UK, to find that within three days of losing the wallet all their debit and credit cards had been raided for thousands of pounds. How could that happen? It's a fairly common fraud. A trained spotter had watched and recorded the pin number they used at a cash machine and a pickpocket had followed them from the machine to steal their wallet. Armed with the card and the pin number, the fraudsters were in for a field day. That's because this couple, like 1 in 3 cardholders, used the same pin number for all their cards. Naturally, knowing the 1 in 3 statistic, the fraudsters tried the pin number they knew on all the cards in the wallet. Hey presto, bonanza time! And yes, it does also happen in the UK. So, two lessons here. Be particularly careful when entering your pin numbers anywhere - not only abroad. Secondly, don't use the same pin number for all your cards. Work some way o remembering them. For example, use the first, second, third and fourth digits from each of the number clusters on that card or some combination like that. Or if you have a better memory than me, memorise a pin for each card!



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Grants loans free credit cards and credit repair the whole truth and nothing but the truth

You got creditors calling you everyday. You could lose the car or house. Your teetering on the edge financial ruin - then you see an ad that may safe your butt! Typical headlines say something like "Millionaire reveals Hidden Cash Sources, or help for people in debt up to their eyeballs!" HOW DESPERATE ARE YOU? IF YOU'RE IN TROUBLE, GET HELP. PROFESSIONAL LEGAL HELP! It's available free or on a sliding scale based on your ability to pay from any number of agencies that can, and will REALLY HELP YOU! No, they won't give you money just for asking. Neither will anyone else. Many ads will try to make you think that there's little known secret funds that only the rich know how to get their greedy hands on. How millionaires are ripping-off the system. Getting money that was set aside for people just like you! Are you getting mad? That's the idea. Now it's time to get your share. What, you don't know how? Send in for a "secret program" and collect your rightful share of free loot. It's easy, legal, anyone can get the cash. As of this writing the United States Government is deep in debt. Far worse then you. Over four trillion dollars worth. That's $4,000,000,000,000.00. No, theres no loot stashed away in some forgotten vault, but some money is indeed available if you qualify. That's the catch 22. HUNDREDS OF MILLIONS OF DOLLARS GIVEN AWAY That's the part of this con that is the truth. A lot of schemes sell information that you can get for free, from a whole bunch of government and private agencies. Of course, NOBODY just gives money away. You have to qualify. Here's how to get your hands on some... What are the con-artists selling? Sometimes you'll get information on the (SBA), the Small Business Administration, which will help you get a LOAN, if you can't get one from regular banking sources. Of course the SBA has nothing to do with helping you pay off a stack of personal bills, a past due mortgage, car loan, utilities, medical bills. The SBA arranges BUSINESS LOANS, and rarely, gives outright grants. You could also get details on how you may qualify for Medicare, or several other government programs. Of course, you could get exactly the same information for free from Uncle Sam! Some plans tell you about Grants. That's where you really do get money, and you don't have to pay it back. Yes, there are many foundations that do give money away for worthy projects - if you qualify. That's the catch. I could tell you more, but you already get it. Don't you? Sure, there's all kinds of government special assistance programs, low interest loans and outright grants - but in order to get any of this money you have to qualify. Chances are very good you won't! The agencies that give the money will tell you for free how to qualify so don't send away for some plan that will cost you to find out exactly the same thing! GRANT COORDINATOR OK you learned that you probably can't get any money for yourself. How about telling people that do qualify for grants and collecting a fat fee for your services? Sounds dumb? Several swindlers push a scam that goes something like this: Like most schemes, there is a little truth to some of what is being pitched. Yes, like I already said, every day millions of dollars are given away by all kinds of government agencies, trusts, and foundations. It's also true that sometimes more money is available then is applied for. Here's where you come in. What do you have to do? Hell - almost nothing... Just let the companies that qualify for grants know that they got the grant. The money is reportedly just sitting around waiting to be given away, but the companies that qualify are too dumb or lazy to ask for it. Of course they will be so happy, they will pay you a fat commission for letting them know about it. Fat chance. You have to have part with up to $100.00 for this little beauty! Several "companies" offer this goofy scheme. I'll say this - the ripoff artists that peddle this garbage, must have taken a post-graduate course in swindling. Remember the load of bull most chain letters promise? Maybe $50,000 in 90 days. At least they say you're required to send out a hundred letters, then of course everything just snow balls. Not with this offer. You only have to send one letter and get $50,000 for matching a grant to a company. Need $100,000? Send two letters. Need a million bucks? Should have it by the end of the month, just send 20 letters. What do you get when you send away your money? A "secret list" - how original! What of? Companies that have been pre-approved for grants. Sometimes a list of companies that may qualify for grants. You usually get a list of organizations that issue grants as your "bonus" gift for ordering early! SELF-LIQUIDATING LOANS Come on, admit it - you did read at least one of these ads because they sound so good! Typical headlines say something like "Borrow up to $50,000 without ever repaying a penny!" Now if that doesn't get you to read at least part of the sales pitch, something must be wrong with you! The better ads will try and explain how this is on the up and up with fancy banking terms - some real, others made-up. Look for things like "Arbitrage", "Compensating Balances", "Self-liquidating", etc. Sounds interesting, but it even gets better. There's no credit check, you won't need any kind of collateral, if you have bad credit - no problem. Won't ask where you work, or even if have a job. There's no paperwork. Of course the ad says it's 100% legal. What - you were worried it wasn't? LET'S REVIEW A company you never heard of, is willing to give you - a total stranger, that may have a bad credit history, and be out of work, a large amount of money that you won't have to pay back. No forms to fill out except for a tiny little order blank. This one really stinks! It costs anywhere from $7.00 up to $50.00 to cover a processing fee. What about your loan? Well maybe you'll get it tomorrow. This plan, like so many others, works on simple greed. Just about anybody at one time or another got turned down for a loan. So, this is your chance to get even. No paperwork, everybody accepted. Don't even have to repay because of some "secret method" - it's a shame people fall for it. GET AS MANY CREDIT CARDS AS YOU WANT OK, you didn't jump on the previous offers, how about this one? Maybe you have a poor work history. Can't hold a job, or just living beyond your means. Down on your luck - no problem. You can get as many credit cards as you want! Easy! Everybody! Sounds too good to pass up. Most offers are modestly priced - after all, we're talking about people who may be desperate, don't have much money to spend. How does it work? You simply apply for secured credit. THIS PLAN IS PERFECTLY LEGAL! How? You put money in a secured bank account. The bank then issues you a credit card equal to the money you placed in the account. OOPS!... you didn't know that? Let me run that past you again a little slower. You want a credit card where you can charge up to $500. So you have to deposit $500 in a special bank account and then the bank will let you use the credit card they issue up to the amount of money you have on deposit. Want two cards? Deposit $500 in two different banks. Repeat the process as many times as you like. Of course if you had money to put in the banks, you probably won't need the credit cards. Shame they don't tell you that in the ads! Something about let the buyer beware I guess! Actually it is important to build a good credit history, and this is one way to do it. There is nothing illegal with using this method. Surprise! You don't have to send away for any offer either. Just walk into your local bank, and ask to open a secured credit account. Not every bank provides this service, but a surprising number do. The only catch is of course you can't touch the money in the account, and if you don't pay off your credit card balance in full each month you will rack up quite a bit of interest charges on top of whatever you charge with the credit card, so be careful. A lot of ads claim you can get $100,000 in credit. Sure you can. I just told you how. Deposit $100,000 in several banks as secured credit accounts, and you will get the cards. Watch out for offers that ask you to send in a big application fee. Sometimes they use a 800 phone number, and tell you up front what the application fee is. Others claim the processing is free, have you dial a 900 phone number, and a $20.00 charge magically appears on your phone bill next month. Still others start with a free 800 phone number that is nothing more then a recorded message that asks you to dial a 900 number to complete the transaction. No 900 phone numbers are free calls that I know of. You could end up paying fifty dollars for so-called "free credit cards." If you can't find a local bank go ahead and apply, once you know how much the total charges are, but ask what bank is issuing the card first. Check them out with local authorities where the bank is located. It's worth the phone call. However, you just might find out there is no such bank and a rip-off artist is just trying to steal your money, so proceed with caution. This type of offer is very heavily advertised on television. As I already said most offers are legal, but you will be required to put up cash equal to the amount approved for the credit cards offered. There is another method that will give you a good credit history in time. Open a regular savings account and deposit $200-$500. Leave it there 30 to 60 days, then get a loan on the account. Pay the loan off before the due date. Withdraw part, or all of the money. Open another account at some other bank. Repeat the process over and over. Your local credit bureau will get good reports on you, and before you know it, your mail box will be stuffed with offers for really free credit cards - no more secured account! (c) Direct-Credit-Card. com - All Rights Reserved http:// Direct-Credit-Card. com



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The traders secret art of setting stop losses guaranteed to boost profits

When traders first begin considering their stop losses, keep in mind this comment from Tom Baldwin, a leading day-trader. He said, “The best traders have no ego.” Successful traders are faced with losses constantly, and they swallow their pride and get out of the position when they have to. This allows traders to survive in the market long enough to be successful. Traders set their stop losses, and then stick to the plan. How do traders go about setting stop losses? There are several different ways. Traders could base a stop loss on a percentage retracement, where the allowed share prices retrace a certain percentage of the entry price before the exit. Different indicators can be used to identify where the stop loss is going to be set. Traders could also use support and resistance stops to set the level at which exit is made. The key is to simply have a stop loss in place. Personally, I find these options too subjective. I prefer having a mechanical way to calculate my stop losses, so I use a volatility based stop. The reason I use this type of stop is because volatility generally represents a measurement of how quickly the stock either rises or falls (market noise). Consequently, if I measure the stocks volatility, and take a multiple of that value, I’m probably going to have set my stop loss beyond the immediate noise of the market. This ensures I am not stopped out of a position too often. Traders can measure volatility by using the Average True Range (ATR) of a stock. This value can be found with most charting packages. Basically, the Average True Range (ATR) indicates how much a stock will move on average over a certain period. For example, if traders had a one dollar stock that moved up five cents on average over the last 20 days, that doesn’t tell traders whether the stock is moving up or down. It just tells traders on average how much the particular stock moves. The average true range is a great tool and that can be utilized in the traders trading plan for more than setting stops. If traders are not familiar with setting stops, I recommend traders to do research. One place for excellent article sources is at the System Trading Blog . Traders use indicators in calculating the stop loss by subtracting a multiple of the Average True Range (ATR) from the entry price. For instance, I could take two times the ATR and subtract it from my entry price. If we look at the example, I just touched on, with a one dollar stock, an ATR value of five cents and a multiple of two the amount is ten cents. Which, subtracted from our entry price of one dollar gives a stop loss value of 90 cents. Before traders even enter a position, they should know where the selling point of the stock should be. If the share price doesn’t move in the traders favoured direction, but moves against them, traders will know when to sell. Emotions are removed from the equation, and they simply follow what the stop loss dictates. This is how most successful traders limit their losses. They know when they’re going to sell before they begin trading. Although their methods of calculating this stop loss may vary, all traders have a stop loss in place. The stop loss is a crucial part of the traders trading system. Without it, even the best designed trading system can’t deliver profits.



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Keeping your business alive use 4 color postcard printing

There are a lot of ways to keep your business in the market world. By providing good service and better advertisements to express your operations to the public are two of the many services a business entity shall possess. How to create a good business image to other company is a big question to everyone for all business entity faces a stiff competition for business operation survival. And one way to create competition is creating several contacts that establish business deals. Creating effective contacts may facilitate by the use of a 4 color business cards. A card that is printed in various colors certainly develops brilliant colors. Impressing a client is a difficult thing; you need to have effective strategies to convince them that your company is the right choice for the job. And marketing is one of the best ways to persuade the customers to consider your company. While other forms of marketing strategies are available, the use of business cards is the most effective way. Much more effective when it comes to a vibrant four color postcard print. When you're designing your marketing materials, you certainly want them to be tailor-made. Using a standard approach in your ads, brochures and Web sites won't set you apart from the mass; it won't tell people what's unique about you, your business, your products and services.

It won't cause you to be remembered. When you advertise your services or products, being specific marks you as an expert. Networkers know that the more you bring your unique personality, needs and capabilities into your business identity, the more referrals you're likely to receive. The same applies to your marketing materials. To get the kinds of customers you want, good marketing requires you to be specific about what you do and what makes you unique. To further your company to be remembered you must need a business card that has a greater impact… A business card is an integral part of a good marketing plan. For its size and cost, it is probably the most powerful part. So it's especially important that your card be one that is memorable and makes a favorable impression.

Otherwise, it will probably get tossed into a drawer full of ancient, smudged, forgotten cards that keep accumulating long after the businesses they represent have faded away. That is, if it doesn't get dropped into the nearest circular file. Keeping your customers is just keeping your company alive. Without them your company is nothing.

So for a longer and stable operation survival try to generate good and quality four color postcard for your business advertisements!



Online Keeping your business alive use 4 color postcard printing

Success leaves clues

How often have you thought of running your own business because you assumed it would be easy? Or if you currently have your own business, you thought, “There’s got to be an easier way to do what I do.” Fact is, often there is not an “easy way” to achieve business success. It takes time, commitment and most importantly realizing that success leaves clues. The clues are available if you are willing to look for them. As the owner and operator of a unique retail store in Myrtle Creek, Oregon, I have experienced the ups and downs that come with being an entrepreneur. Fortunately, there are far more ups than downs, but it was during the low points, I have had to evaluate the choice I made in the early 90’s to open Just Bears and Stuff in a town of little more than 3,000 people. What I have learned over the last decade is enough to fill not only one book, but several. For the sake of space, I will share with you the high points of what has allowed me to be one of the most successful teddy bear and specialty item gift store owners around. As I share my strategies with you I do not do so to impress or gloat. I do it to impress upon you the importance of studying success and then determining if the path of business ownership is for you. Vision - Every journey begins with a vision. Without vision it is virtually impossible to stay on target. Plan – As the saying goes, you must plan for success or you are planning to fail. Have a plan in place that is your road map. The plan will allow you to stay on course with your vision. Of course, there will be times when the plan must change due to unforeseen circumstances. Which leads to the next point. .. Flexibility – Life is not set in stone, nor is business. There will be occasions the best laid plans will not work. In a moments notice you will have to do something else. The key to flexibility is a solid foundation. Foundation – The more you have a solid infrastructure in your business the more likely you will make it through the times of economic downturns, fickle customers, new competition, personal tragedy and the absolute unforeseen obstacles that can and do occur. Hard work – It never ceases to amaze me how many people say they want to start their own business because they think it will be easy. Fact is, owning your own business is probably one of the most difficult things you will ever do and yet, one of the most rewarding. If you are not committed to hard work, you are not committed to your success. Financial backing – Key to your success is to make sure you have enough money to start your business, buy necessary supplies and stock and carry you through the slow times. We would all like to think that all we have to do is open our doors and hang a shingle and the rest takes care of itself. Fact is, you have to build a client base and nurture the client base. That takes money and time. Additionally, as you grow, you must have the capital to grow. Creativity – Business is about systems and it is about being creative. Be willing to take risks and introduce new products and services as the market demands it. Although my business originally began as a strictly brick and mortar teddy bear gift shop, it has grown beyond that. I now generate a great deal of revenue from Internet buyers. This was made possible by me being willing to create a web presence that is a great match for my market. Additionally, I began a corporate gifts division about a year ago that serves the needs of busy professionals who simply call or email their request for a client or staff gift. Both of these changes have been instrumental in strengthening my bottom line. Enjoy yourself – Though some of what I have shared might seem bleak, the truth is, owning your own business can be one of the most enjoyable experiences you will ever have. Yet, there will be times you may forget that. Always remember what it felt like with every minor and major milestone you achieved. Also remember what your dream was when you began your business or what your dream is as you venture into ownership. It is in the remembering the commitment is renewed on a daily basis. Serve – Above and beyond everything else, your job is to serve your customers. They do business with you because you create an experience for them. What is the experience you are known for?



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Delaware incorporation why delaware

Delaware's business friendly government with its modern laws, suitably complemented by the Court of Chancery makes Delaware the ideal place for any business to incorporate. Delaware incorporation is definitely much easier and beneficial for businesses when compared to the other states, because of all these contributing factors. With so many favorable factors, Delaware has definitely had its share of the business pie, being home to more than 60% of the Fortune 500 companies in the USA and large number of publicly traded companies. Though every company has their own reason for incorporating in Delaware, it seems to have just the right thing to fulfill the requirements for every business demand. Delaware allows out of state incorporation; that is the business owner do not have to be a resident of Delaware, simply having a registered agent in Delaware is good to complete all formalities related to Delaware Incorporation ( http://bizorigin. com/delaware_corproration_registered_in_your_state_as_an_out_of_state_corporation. php ). Besides, being a Delaware incorporation gives the added advantage of having access to the Delaware Court of Chancery that has significantly contributed to the formulation of U. S. corporation case law. The modern and flexible business laws in Delaware are highly growth inductive for almost all type of businesses.

Though the state of Delaware makes it easy for businesses to incorporate, however, to help you further and avoid investing your valuable time in these things, there are certain companies that provide Delaware Incorporation services. They would take care of the entire process starting from reserving your corporate name to filing all the required forms on your behalf, till the time your business has been successfully incorporated. The state of Delaware allows the business owners to reserve their names online and also most of the forms required to be filled for incorporation are made available online to make it fast and easy for the business owners. Additionally, the Division of Corporations offer expedited service by which the businesses can have the incorporation process completed in 1 hour, 2 hours, Same Day or in 24 hours. However, some additional fees are applicable for such expedited incorporation service. Delaware incorporation is definitely the best choice for all businesses that plans to incorporate and with such great support by the government and the judiciary the business scenario of Delaware is sure to be brighter as the days go by. If you want to take advantages of the Delaware Incorporation laws, act now!



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Working from home plan ahead for when disaster or tragedy occurs

Disasters or family tragedies can strike families in many forms – Mother Nature, sickness and even computer problems can cause major difficulties for your business. Do you have a plan of action on how you will handle your home-based business if disaster were to strike? If not, you absolutely need to. Having a plan ensures that you can not only keep your business running, but decrease stress because you have already prepared for the unexpected. Below are four tips to help you handle the unexpected. 1. Work around the events – Your customers will understand as long as you communicate with them. Be honest that things may take a little longer than usual, but keep your customers updated as often as possible. Communication is the key. Most people will understand the delay as long as they are aware of it. If you get to the point where you cannot work or cannot finish a project, but sure to be clear and honest about the situation and try to make an arrangement that will be acceptable. Also, let them know as soon as possible so they can prepare. Don’t wait until the last minute to advise them of a potential problem. If you’re struggling because of a child being sick, try to work when the child is sleeping and don’t stress yourself out to work at other times. Make a schedule of what needs to be done, so that you can accomplish as much as possible during these times. 2. Don’t be afraid to ask for help – As moms, we tend to feel that we should be able to handle everything that is thrown at us. Unfortunately, this just isn’t always the case. There are times when we need to allow ourselves to ask for help. When a tragedy occurs and you are simply overwhelmed, find someone who you trust and ask them for help. Many times, just having someone reply to customers on your behalf can take the pressure off your shoulders. Allowing someone to help you when necessary can also be uplifting to them as they feel they can be a part of helping in a difficult situation. So don’t’ shy away from letting others know. We all benefit when we work together and help one another. When our one-year old had surgery he didn’t handle the pain medication well. He was wide awake for the better part of two days. In this case, I knew ahead of time when the surgery would occur, but I had no idea what his recovery would entail. It was impossible to work while he slept, because he wasn’t sleeping. I realized that I not only needed help business-wise, but I needed help with him as well so that I could get some rest. While it was humbling to admit that I needed help, that I couldn’t do it all, it turned out as a great time spent with family that we would not have had if I hadn’t asked for help. 3. Prepare for the worst – Because we never know what the future holds, it is always better to be prepared. As the old saying goes, “Better safe than sorry.” One of the best resources to help you prepare is the Home Office Recovery Plan: Disaster Preparedness for Your Home Office by authors Diana Ennen and Patty Gale. This e-book covers all the bases of getting a Disaster Recovery Plan in place now so that if disaster strikes your home business or an emergency arises, you are able to get your business back up and running quickly and smoothly. Ennen states, “In my case, this guide has been a lifesaver as a resident of South Florida. I have prepared for eight major hurricanes in the past two years with Hurricane Katrina and Hurricane Wilma taking a direct hit on Broward County where I live. I was without power for two weeks with Hurricane Wilma. Had I not prepared, my clients would have suffered as would my business.” Gale also knows the importance of this book having lived in New York after 9/11 and had the task of preparing a similar guideline for a company she was working with at the time. Both know the importance in ensuring your business will withstand whatever this hurricane or any disaster (including a theft in the office or fire) has to offer. 4. Get a Plan - There are times when life becomes overwhelming and you simply aren’t able to accomplish everything on your own. It’s for these times that you need to have some type of log of what you do and what needs to be done. Keep a spreadsheet of tasks that you do, how often they are done and mark them completed as you are able. Keep a list of passwords in a safe, secure place. Make sure that your family (or whoever may be helping you during this time) is able to carry on even in the event that you are away from home. If possible, train someone that you trust to do the things that you do each day (at least the key things), so that when the unexpected arises you won’t be caught off-guard. Tragedy comes in many shapes and forms, but if you are prepared much of the unnecessary stress can be avoided. When tragedy strikes, you want to be focused on the important things in life, your family and you. By advance planning you are able to do so.



Online Working from home plan ahead for when disaster or tragedy occurs

Tips for typhoon emergency preparation

Emergency Preparation Tips for Typhoons Almost all countries near major ocean bodies are plagued occasionally by the occurrence of typhoons. In the Pacific, the weather disturbance is widely called typhoon. It is cyclone in the Indian ocean and in the United States, where most often it comes from the Atlantic, it is called hurricane. A typhoon is a massive accumulation of destructive winds and torrential rains over a huge body of water, particularly ocean. The accumulation is facilitated by an area characterized by the presence of a low-pressure, which makes evaporation and wind development faster. Typhoons do not develop overnight. Often, it takes about a few days before one is developed. Usually, typhoons start as thunderstorms that accumulate strength and intensify into a massive weather disturbance. Typhoons are easily tracked and monitored by weather satellites because of their huge radius and accumulated cloud system. Thus, weather bureaus are always able to track a development of one, making it possible for concerned government and safety bodies to release typhoon warnings for the safety of people who might be affected by the weather onset. A typhoon is an almost predictable calamity. Almost, because its tracks can easily change, but certain, because its presence is easily monitored. Preparing for a typhoon Countries that are always visited by typhoons have instituted safety measures to prepare people for the destructive weather occurrence and to help curb, if not totally prevent, injuries and casualties. When a typhoon is about to hit an area, typhoon warnings should already be released, at least 24 to 48 hours before the expected landfall of the weather disturbance. Thus, people, whose residences are within the warning areas, should first and foremost make the necessary safety precautions. Here are some of them. · Store enough food and drinking water that would last for a few days. The typhoons may bring in torrential rains and destructive winds that may ruin infrastructure. Groceries and markets might not be able to resume operations after a typhoon, so make sure your supplies would last until the situation goes back to normal. · Make sure your home is sturdy enough to endure potential gusty winds and flash floods. If not, just evacuate and go to designated safe evacuation or safety center. · During the typhoon, you may opt to put off electric currents within the house to prevent any electrical accidents. The local utility firm will voluntarily cut off the electric supply. · Typhoons bring in rains and winds so make sure you have jackets and umbrellas, in case you may need to flee. · If your home is safe enough, just stay indoors before and during the typhoon to ensure safety. During typhoons, electric wires might fall down to the streets and compromise safety. Same goes for falling, or even flying debris, which are the usual cause of injuries and casualties. · Always monitor news updates regarding the typhoon. Get transistor radios to make sure there would be no news blackout in case the electric and communication facilities shut down. Remember that typhoons are weather phenomenon. One can never prevent it from forming and coming over. However, what people can do is to help prevent the destruction of the weather disturbance. They can help by not becoming one of the casualties. Life is too precious and it is not worth losing it due to some occasional weather occurrence like the typhoon.



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Distillation from plants and roots

Aniseed-flavored spirits Some 1,500 years before Christ, these licorice-flavored spirits were valued as healing agents by the Egyptians. In the nineteenth century, absinthe, a potent aniseed aperitif distilled from wormwood, became a highly fashionable drink on both sides of the Atlantic, but intemperate enjoyment of it proved dangerous because it often led to madness or death. Consequently, early in the twentieth century, it was banned in many countries. In the meanwhile, however, a plethora of "benign" successors developed; aniseed drinks which, in France, are known as pastis. They are based on star anise, with the essential oils being distilled and then mixed with sugar, pure alcohol, and various flavorings, such as mint, lemon balm, herbes de Provence, and licorice. Pernod and Ricard are among the well-known brands from France (now also available as an alcohol-free drink), and anisette is a spiced liqueur. Creek ouzo and Turkish raki are also members of this big family of aniseed-flavored spirits. Ouzo is a sweet aniseed drink at 80 to 90 proof. Raki tastes dry and spicy, is not as sweet as ouzo, and is available at 80 to 100 proof. Arrak Similar to rum, this Asian spirit is distilled from sugarcane molasses with the addition of Indonesian red rice. Arrak is aged in oak barrels before it is bottled. The most respected variety comes from Batavia, in Indonesia, but similar drinks using a variety of ingredients, such as dates, also come from Goa in India, Sri Lanka, and Thailand. Cachaca This is a Brazilian spirit distilled directly from the juice of the sugarcane. The best-known cachaga is the straw-colored, clear Pitu. It has a soft, mild aroma and is 82 proof. Sake Many people would not consider a Japanese meal complete without a bottle of this clear, usually straw-colored, fermented-rice spirit. Even though sake, which is the Japanese national drink, is often referred to as wine, its production process is more like that of beer. Sake tastes similar to sherry and has an alcohol content of only 16 to 17 percent by volume, or about 35 proof. Tequila Mexico's number-one spirit, drunk since the time of the Aztecs, is distilled from the blue agave cactus. Clear, white tequila, also called silver tequila, is bottled immediately after distillation. Cold tequila, or tequila anejo, gets its golden-brown color from several years storage in oak barrels, during which time the flavor also mellows and becomes smoother. Most brands of tequila are about 90 proof. Mexican laws specify that only tequila produced in a specific geographical area around the town of the same name can be labeled as such. Rum Formerly the drink of bootleggers, pirates, smugglers, and slave traders rum was for centuries the most commonly traded contraband. The home of rum is in the Caribbean islands of Jamaica, martinique, Puerto Rico, and Cuba. Here, as in the past — and among the atlantic coastal countries of Central and South America — rum and sugar are important exports. Yet, the varieties of rum produced on the different islands differ from each other as much in terms of aroma taste and bouquet as do the wines of California's Napa Valley, or does from Tennessee sour mash. The exact recipe for rum production is always the distiller's secret. What all types of rum have In common, however, is their raw material — the brown, viscous molasses by-product of sugarcane refining. After distillation, rum is clear and colorless. For light rum to remain clear, it is first matured in pale ash-wood barrels for only one year and is then transferred to stainless-steel tanks for additional aging. Dark rum, on the other hand, is left to mature for years in dark, wooden casks for five to seven years, where it develops its golden or brownish color and a full-flavored body. Caramel is also added to some brands to intensify the color. In between light and dark rum is a grade called gold, or amber, which is aged for three years. Light rum not only looks lighter than dark rum, it also has a much more delicate taste than the latter. For this reason, light rum blends intensify superbly with other ingredients such as fruit juices, liqueurs, and lemonades in cocktails, without concealing its own taste. Its slight flavor evaporates very quickly though, so light rum is not so well suited to hot punches and grogs. Mezcal Mezcal is a similar drink distilled from a different variety of the agave cactus, but it does not have the same labeling regulations. Contrary to popular belief, mezcal is the Mexican drink that traditionally contained a worm in the bottom of the bottle, not tequila.



Online Distillation from plants and roots

The history of bingo

In Italy during the 1530s a lottery was invented that is still played in Italy every Saturday. This is where the game of Bingo originated. The game travelled to France in the 1770s and was initially played amongst wealthy Frenchmen. The game then travelled deeper into Europe reaching Germany, where they chose to use it as a tool to help their children learn history, spelling and math. Finally, the game reached Atlanta, Georgia in 1929 where it became known as 'beano'. It was played at fairs and carnivals around the country.

Each player had some dried beans and a card containing numbered squares - this was divided into three rows and nine columns. There was a caller who drew random discs numbered from 1 to 90 from a cigar box or a bag. The designated number drawn out was then shouted to waiting players. The players used their beans to cover up the matching number on the card. The winner would be the first person to cover up an entire row of numbers.

When this happened the player yelled 'beano' to alert everyone that they had won. A New York toy salesman, Edwin S. Lowe, was visiting a country fair one day when he witnessed a woman shout 'Bingo!' In her eagerness to tell everyone that she had covered all her numbers, she became tongue-tied and shouted 'Bingo' instead of 'beano'. This error ultimately inspired Lowe and he rushed back to New York to develop and market a new game - Bingo! Lowe's first commercial version of the game retailed at $1 for a 12 card set and $2 for 24 cards. A priest from Pennsylvania realized that he could raise some much needed funds for his church by running Bingo games, but he soon discovered a problem. There were often too many winners! When he brought this to Lowe's attention Lowe hired a math professor, Carl Leffer, to help him increase the amount of Bingo combinations. By 1930 they had invented over 6,000 Bingo cards - reputedly at the cost of Leffer's sanity. Word soon spread that Bingo was an easy and enjoyable way to raise money. By 1934 it was estimated that over 10,000 games a week were being played. Having been unable to patent his invention, Lowe generously allowed his competitors to pay him a dollar a year and for that he happily let them call their games 'Bingo' too.



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Body fat distribution factors

Most men and women put on weight differently. But on what makes fat settle in a preferential way, there is little evidence. Scientists ascertained that the specific body shapes are: the android shape, or apple shape, common among men (fat deposits on the middle section of the body, mostly on the abdomen) and the gynoid, or pear shape, more common among women (fat deposited on hips and bottom). There is also the third type of body shape: the ovoid shape, not differentiating between men and women. With this type we can speak of an over-all general coverage of bodyfat.

Thinking of many cases of exceptions, I try to find out in what follows if there is a strict specific fat pattern distribution for men and women and what are the factors influencing fat distribution. And I find this interesting not in as much as the aesthetic side is concerned but from the health perspective. Being overweight or underweight are characteristics depending on many factors: you are genetically overweight if you have a family history of overweight parents/relatives. Also, the nervous system plays an important role in balancing the body weight: serotonin and endorphins send signals to the brain that induce the need to eat or on the contrary. There is also the CCK hormone which transmits the brain signals on the state of satiety - it decreases hunger.

While generally, body weight is influenced genetically, hormonally and by the body maintenance condition (the activity routine), it seems that the fat distribution is influenced by age, genetic inheritance, race, but to a greater extent by gender specific hormones. They are responsible for the distribution of fat in certain zones of our bodies: thus, estrogens which are responsible of the typical female sexual characteristics will influence the fat deposition in the pear format, favouring its laying on the hips, thighs, and belly, while testosterone will "lead" fat mostly towards tummy and upper body. Latest studies show that men's tendency towards the gynoid format has increased in the past 30 years (one study shows a growth of 2 inches in men's hips in the past 30 years). According to researches as John R. Lee, M. D (specialist in natural progesterone therapy), Dr. Jesse Hanley and Dr. Peter Eckhart, it seems that modern life exposes people to increased amounts of estrogen and estrogen-like substances (xenoestrogens or foreign estrogens). Sources of these substances can be plastics, plastic drinking bottles, commercially raised beef, chicken and pork, personal care products, pesticides, herbicides, birth control pills, spermacide, detergent, canned foods and lacquers.

The problem is that increased estrogen levels in men not only make their hips fatten but are the main risk factor for disease such as prostate enlargement and cancer. Also, for women, the android pattern fat distribution should raise questions with regard to hormonal imbalances, such situations being a potential cause for health problems such as polycystic ovary syndrome. We've seen how health related problems can affect body fat, now let's take a look at how fat can induce health problems. It is clear that increased body fat affects health, the news is that its distribution on the body influences the state of health of specific organs. According to its placement, fat can be subcutaneous (under the skin) or visceral (around organs). The greatest concern is generated by visceral fat that can interfere with the good functioning of vital organs.

There is a relationship between overall fat deposits and specific fat deposits: fat around the body middle section is associated with visceral fat, so, abdominal fat is the most serious health risk. The waist to hip ratio is a method of determining whether there are excessive amounts of upper body fat. It is obtained by dividing the waist measurement by the hip measurement. The upper limits are:.95 for men and .80 for women. Any exceeding values should be alarming. Apple-shaped fat individuals are exposed to a greater risk of developing obesity-related diseases, as the fat is intra-abdominal and distributed around their stomach and chest.

They risk: Cardiovascular diseases and hypertension Type 2 diabetes Respiratory diseases (sleep apnea syndrome) Some cancers Osteoarthritis The pear-shaped overweight persons are at greater risk of mechanical problems, as most of their body fat is distributed around their hips, thighs and bottom. Both apple-shaped and pear-shaped obese persons are likely to develop psychological problems and alteration of the quality of life. In any case, extra-weight cannot create but problems. Fact is that the main role in acquiring extra-fat is the food intake that the body cannot burn for various reasons (such as a decreased metabolic rate, low activity level or the physical condition), and, consequently, it creates fat deposits. The solution is a classic one: diet and exercise. However, in shedding extra weight there are men-women differences. The process appears to be harder for women. The total mass of the body is made up of fat mass and fat-free mass. The fat mass can be of two types: essential and excess. Essential fat is found in bone marrow, in various organs, and throughout the nervous system. Women are at a disadvantage, as their physiological processes (childbearing and hormone functions) require a plus of essential fat, the "sex-specific fat". Thus the total percentage of body fat is higher, moreover, this part of essential fat is hard to dislodge. Secondly, women have less calorie burning muscle than men, which makes it more more demanding for the female to achieve a trimmer figure. Now, girls, don't use it as an excuse!



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The great emotional gender divide

Men and women have and maintain two separate, distinct schools of thought. This comes down to more than biology and physiology, naturally. For example, men and women feel, register, and acknowledge pain differently. The two are further separated by factors such as mental health and emotional health, along with the cultural roles typically attributed to them. Gender, along with culture and environment, can also determine how a person deals with stress, depression, and a variety of other emotionally-connected problems and disorders.

However, according to some recent studies, even the importance of emotional bonds over financial gain are processed differently by the two sides. In a recent study, it was found that most people believe that women are more likely to choose family and sentimentality over professional ties and high-power positions. The study, conducted among a variety of college students, with an equal mix of male and female test subjects, showed otherwise. According to the study, most of the male students said that they preferred the emotional security of settling down with a family than the financial independence of having a high-powered job. This basically throws the old stereotype out the window, if the results are an accurate indication of how both genders really feel about the choice. However, the researchers themselves point out a potential caveat to the results: the definition of a romantic relationship. That aspect of the study was not made clear, such that it is possible that the personal definitions swayed the results one way or another. There was a distinct possibility that, when asked the question, the male respondents simply considered sex without any commitments or emotional ties as being a “romantic relationship.” Other subjective definitions may have also affected the results, so the researchers are not entirely sure how to proceed. On one hand, the data is rather intriguing and puts a whole new light on gender views on emotional health versus financial security.

On the other hand, the chance that this sort of study can never really be verified unless a definition for a “romantic relationship” is clearly and objectively defined is a problem. The test was designed to measure certain reactions in the student body. It included goals such as physical fitness, financial stability, emotional fulfillment, and leisure time. These were ranked in importance before the subjects were asked whether or not they'd be willing to sacrifice any of them in favor of romance. Sixty-one percent of the male subjects and 51% of the female subjects answered in the affirmative, which contradicted the expectations of most of the people observing the study. According to the results, a number of men would be willing to take a “charming partner” over commonly held goals like having travel opportunities and job stability.

One thing that the researchers noted is that “romance” may not necessarily be defined in the same way by men and women. Just as some men may equate a sexual connection with “romance,” some of them might also see the word to mean the same thing that the average woman does. However, that does not automatically mean that everything a woman associates with “romance” is associated to it by men. Long-term commitment, family, and marriage were found to be outside the scope of the male definition of “romance,” according to the study.



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Sick of wasting money on insurance what do you really need

It's a tough economy nowadays and you want to be careful not waste money on trivial costs...sometimes this includes health insurance. Here is what you really need health insurance for: 1. WHAT YOU REALLY NEED -The Catastrophic Event First and foremost, everyone absolutely needs to be covered for the big hit. With ever - escalating costs associated with medical care, especially critical care, you would be negligent not to evaluate the following two criteria while assessing your personal needs -Policy Maximums All true insurance plans have policy maximums. The plan maximum refers to the most an insurance plan will pay in total, no matter what the circumstances are. Some plans have individual lifetime maximums, some have family lifetime maximums and some have annual maximums for either the family or per individual. In the present state of escalating health care costs, you should be looking for a plan that has the highest maximums that you can find. It is our strong recommendation that you cover your family with at least $5,000,000 per person. Five million dollars per person is pretty much top of the line, and will go a long way towards ensuring that you and your family are protected now and for years to come. -Maximum Out-Of-Pocket/Stop Loss The "Max Out-Of-Pocket" refers to the most that you will pay in deductibles and coinsurance in any given year, no matter how large your medical bills are (up to plan maximums, of course). Your plan should have the "Max Out-Of-Pocket" and "Coinsurance Stop Loss" stated clearly and understandably in writing. With their Plan Design your "Max Out-Of-Pocket" and "Coinsurance Stop Loss" will not only be clearly stated, you will have a say in what the amount of it is. 2. WHAT POINT ARE YOU AT IN YOUR LIFE? Every individual and family has different needs. Some have a house full of children, others don't. Some people travel quite a bit, others stay close to home. There are an infinite number of situations and you need to evaluate yours if you are to make a decision that is proper for you. You should also consider your lifestyle while shopping for health plans. Please also consider your personal medical history as well as that of your family, including any hereditary issues. Please ask yourself the following questions: -What am I hoping to achieve with my health plan? -How do I plan to use my coverage? -How long do I need this plan? -How much of my medical expenses am I willing to cover myself? -Are there conditions in my family history that I NEED to be covered for? These are but a few of the areas that will be discussed during your plan design. 3. WHERE DO YOU SPEND YOUR TIME? If you are like most of us the answer is at work. We do design plans that cover you on the job. But the question goes deeper than that. -Do you travel? -Do you spend periods of the year is another part of the country? -Are you spending time in outdoor activities or sports? -Again, these are just some of the things that you should be considering and areas that will be discussed during your plan design. 4. WHAT CAN YOU AFFORD? Well, this question had to be asked sometime! Designing a plan that you can't afford will not do anyone any good. On the other hand, hiding behind the fear of a large monthly payment is not the answer either.



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Ten myths of real estate investing

Is real estate investing only for the wealthy? Can you buy with no money down? Do you have to know the "right" people? Let's answer by looking at some of the myths of real estate. 1. Real estate investing is for the wealthy. Money helps, but my first real estate investment was a $3,500 lot - which I sold for a profit two weeks after I bought it. Small deals, partners, low-down deals, or just putting aside $7 per day for a couple years until you have enough money for a downpayment - these are some of the ways to start with a little and invest in real estate. 2. "0 down" isn't possible. I sold a rental property for $1,000 down because I trusted the buyer to make the payments, and I wanted the 9% interest and higher price. He could have gotten a cash-advance on a credit card for another $30 per month and made it a "0-down" deal. "No money down" means none of YOUR money down, and yes, it happens. 3. "0 down" is the best way. If you don't invest some of your own money, you'll have higher payments. You'll also spend more time finding suitable properties, and pay more for them (generally cooperative sellers want more for their cooperation - I do). There are 0-down deals out there - they just aren't always worth doing. 4. You need experience. Experience helps, but you get it by investing. Start with common sense, ask how you can lose money, be willing to learn the numbers, and you can start where you are. 5. Some investors have a "knack" for making money. Sort of. More accurately, some just took the time and risk to learn the market and continue their education. 6. You need to know the "right" people. It helps, so start the process. Talk to investors, real estate agents, landlords, etc. 7. You have to be great negotiator. If you learn to run the numbers and make the offers based on them, you can be the worst negotiator and still do okay. 8. You need insider knowledge. Understand one deal, and you are on your way. Read and read more, but the best "insider" knowledge comes from experience. 9. Fixer-uppers are safe. People have the idea that doing the work themselves is the safest way to assure a profit. Not true. Mis-planned "fix and flips" have bankrupted even experienced investors. Most poorly purchased rental properties will only eat a little money every month. 10. The key is lowball offers. The numbers have to work, and you need a plan. You can offer MORE than the market price and make money investing in real estate, if you understand creative financing - and how to do the math.



Online Ten myths of real estate investing