What can i do to get an accurate car value

The need to find out an appropriate car value is common and very necessary to make wise financial decisions. Buyers want to know what to list their car’s price at. Sellers want to get an idea about how much a car is worth so they can limit their search and so that they can make sure that the price of a car is legitimate and that they aren’t getting cheated when they decide to purchase a car. Other examples would include insurance claims where it is important to get the value of a car back from the insurance company and to make decisions on how to proceed with damage repair. All in an effort to make sure that the repairs aren’t going to be more than the car is actually worth or anywhere close really. So how do you get an accurate estimate of car value? Well there are a number of ways many of which are located or take place on the internet. Your best bet is to have a buddy that knows cars and does this all the time. This would save you all the time that it takes to do the research on the cars and the market especially when you consider that the market is different depending on your area of the country and/or world. But what it you don’t have a friend that can just tell you a car value right off the bat? Then you have to do the research yourself. Well, how do you do the research? Well mostly on the internet. You can be glad about this too because it has never been easier to look up all the cars for sale in your area and see what a comparable car’s value is to what you have and want to sell or what you want and are looking to buy. There are sites online that also have great calculators that allow you to input your car and its features in and spits out the value of the car that you have described. You will have to look around a little but you can be assured that there are many of them out there. You can even compare the car value that you get from one site to the value that you get from another to get a confidence in the appraisal.



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Why casinos need 24 hour day care

Recently in the news across the USA there have been several reports of parents leaving their children locked in their cars, while the parents sit in a casino and gamble. A great way to stop this from happening would be to legalize online gambling so that parents that can not afford a baby sitter will not do something as stupid as locking a small child in a car alone for several hours. Another solution would be for the casino industry to take responsibility of the people they lure in with promises of riches beyond belief. If the casinos all offered 24 hour free daycare for all casino players those parents who are so far gone in their addiction will not have to make the decision of what to do with their children, they can just take them to the casino and let them be watched after in the casinos daycare centers. As well as making sure children are not being neglected by their parents or legal guardians, the children in their care can be checked for signs of abuse and any parent that brings a child regularly to the casino can be talked to about gambling addiction. Please do not get me wrong I feel the parents should be the ones taking responsibility for their kids, but gambling addiction is a disease, and at least this would provide a way for the government to monitor parents gambling habits, and to provide them with help if they need it. Besides being the right move for the casinos to make for its own civic duty, it also makes good business sense. If the casinos offer such a service they also open themselves up to single parents that could use a little time for some adult fun, and by making the day care 24 hours a day there is no reason why a parent would leave their kid at home instead of at the casinos free daycare. The parents could relax and have a little fun with the knowledge that their kids are being taken good care of. This is not a new concept there are several casinos in Las Vegas that offer day care. These centers offer children of different ages fun things to do, such as all the popular videos, and games fro kids. This will appeal to people with kids. The parents get to gamble and have some adult fun and the kids get to do fun kid stuff. By doing this the casinos will get more business and they are doing the responsible thing for their customers with gambling problems. I understand that the casinos are a business, but they should make sure that some of their less responsible gamblers do not put their children's lives in danger just to make an extra few dollars in a multi billion dollar a year industry If enough people recommend this to their local casinos and state officials, casinos could be required by law to provide child care when they are open.



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Secured bad credit loans make sense

Secured bad credit loans used to be viewed with a bit of contempt in times gone by. Now they make total sense, and consumers should be glad. Official UK statistics show us why! According to CreditAction. org. uk 'At the end of December 2005 the total UK personal debt was Ј1,158bn. Total secured lending on property in December 2005 was Ј965.2bn. This has increased 10.4% in the last 12 months.' This is during the time the average UK household debt is Ј7,786, and that is excluding mortgage debt. Average domestic borrowing via credit cards, motor and retail finance deals has grown 5 fold in as many years. Yet the median home price in the United Kingdom in Late 2005 worked out at Ј186,431 (source: Office of Deputy Prime Minister). The figures tell their own story. The considerably higher interest rates levied on credit cards, motor and shopping finance (store cards and the like) bite a considerable chunk from the typical person's monthly budget. The one sensible way out of this is fairly clear. Consumers need to convert the high interest debt into low interest debt by making use of their property by way of security. Even if people's credit worthiness is quite low it makes more sense to pay off the same amount of money at a reduced interest rate by means of a secured bad credit loan. Now new lenders are becoming available which take into account all circumstances. This fresh market for secured bad credit loans has opened up in the last decade or so, and it has grown outside of the traditional ground of the High Street financial institutions. As long as borrowers have property then they may borrow as much cash as they like to pay back existing debts. Nor do consumers have to pay the outrageous interest that used to be the case with people whose credit worthiness was not the best. Would it not make more sense to pay Ј60 a month in paying off that debt than Ј150 every month servicing precisely the same amount? Secured bad credit loans provide that chance. Improvements in financial credit handling assessment mean that providers are quite prepared to consider secured bad credit loans where they were not acceptable in the past. The self-employed, especially, are not treated as they used to be, notably with the fresh attitude towards self-certification. Three years of audited books are no longer mandatory from those who like to work for themselves. People with CCJs, IVAs, those who have defaulted on past or current debt agreements and even discharged bankrupts are now usually considered in today's evolving world of finance. Increasingly consumers are taking bigger financial risks, especially people in business and the entrepreneurial minded. The secured bad credit loans market is evolving to take account of that because it needs to. Of course, people should not consider secured loans if they are not altogether certain they can meet the repayments. Those people should consider unsecured loan products (which are more expensive). But, as CreditAction. org. uk states, the average price of a property in the UK is 'Ј186,431 (Ј195,319 in England). British yearly house price inflation rose by 2.5 percent. Annual house price inflation in London was 2.2 per cent.' Putting all that capital to proper use by means of a secured credit loan is an option most consumers should think about, whatever their credit standing.



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Does the lion test

Are you afraid of change? Are you afraid of trying new ideas to help grow your internet home business? A lot of people who start out in online business make the mistake of putting up a website and expect to make lots of sales without any revisions or alterations to the various component parts of their websites. Either they are ignorant of the fact that they should be making and testing different approaches or are just too lazy or afraid of change. It’s really important to get the basics right whenever you run an internet home business or any business for that matter and it’s very important to your long term business success that you know your customers and where they came from. Ideally you also should know what pages they click through and visit on your website and where they leave your website. If you have this data it will enable you to modify and test new approaches to your website design, your sales copy and your headlines. For example if your website has a very low click through rate you probably need to test new headlines and/or sales copy to draw prospects further into your website. This should bring you a higher click through rate, if not test again, and keep testing. I came across an African proverb recently and it has some relevant lessons in it, that we can all apply to our day to day lives and our internet home businesses.

"Every morning in Africa, a gazelle awakens. He has only one thought on his mind: To be able to run faster than the fastest lion. If he cannot, then he will be eaten. Every morning in Africa a lion awakens. He has only one thought on his mind: To be able to run faster than the slowest gazelle. If he cannot, he will die of hunger. Whether you choose to be a gazelle or a lion is of no consequence. It is enough to know that with the rising of the sun, you must run. And you must run faster than you did yesterday or you will die. This is the race of life." – African Proverb Which one would you choose to be? I would choose to be the lion, because the Lion can afford to fail repeatedly. There is always another opportunity to catch the gazelle another day, the lion can learn and try new tricks and techniques for hunting the gazelle, all it needs is to find one successful technique and it won't go hungry. The gazelle on the other hand, if it fails to elude capture will die! No second chances here I'm afraid. You can apply the same principles to home business and internet marketing. View yourself as the Lion, if you fail with something, try, try again, all it takes is one successful method which you can repeat to get on the road to success. There are many excellent tracking tools on the internet which allow you to track your prospects and sales. This will allow you to test new ideas or advertisements and know exactly whether the changes you are testing have been beneficial or unsuccessful. Test, test and test again, until you find that winning formula and then try to beat it! "If all else fails, perseverance prevails". --unknown Don't treat your home business as a hobby or you will never achieve real success. Treat each day as a potentially life or death situation, it is in these moments that we have the greatest insight, motivation and determination to be successful and to succeed. (Feel free to use this article online and in your email newsletters as long as you leave it intact and do not alter it in anyway. The byline and biography must remain in the article.)



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Why is it useful to change jobs

Changing jobs is quite natural for many people nowadays. Specialists kept on switching companies looking for a better place to work at. But their functional responsibilities still remain the same. However, such rotation without the change of your occupation is not 100% useful. Psychological research has showed that a person will have more chances to succeed if he changes his vocation once 5 – 7 years. Thus he will acquire new knowledge and experience and he will learn how to deal with new unusual tasks. Even if you have created a dynamic plan for developing your career from a clerk to a senior manager in a particular company new responsibilities don’t substitute old ones, but are just added to the existing duties.

In other words, you don’t change your activity – but the sphere of your responsibility becomes wider. In fact, a person keeps on working in the same professional area. However paradoxical it may be, but after a few years since submitting your sales resume you are more likely to lose your sales competence than to gain or improve it. You get tired of routine work; you fulfill your duties mechanically with no zest and enthusiasm. That is why psychologists suggest changing the content of the work not its place.

Human resource managers still make the same mistake: they are looking for the applicants with at least a year – relevant experience. They don’t consider retrained specialists or those who have no experience in the pertinent area. They don’t take into account that inexperienced candidates have considerable advantages over the experts: they have no professional stamps/ clichйs, they are ready to improve themselves, and they have sincere interest for the new job and others. Today more and more people are changing their specialty. Social psychology defines this phenomenon as professional reorientation. Mostly it applies to young people. Older people have less flexible thinking – their professional life is influenced by prevalent stereotypes and they have too high demands for themselves. People older 35 are afraid of taking risks.

Even if his life-time dream was to become an executive of car manufacturing company, he won’t set himself to writing a resume. The idea of cardinal retraining seems senseless and even careless to older people. Most of them can neither afford no do they want to spend their time and money for obtaining a second education. Two categories make an exception of this statement. They are housewives, who have adult children and now are free to take up their career. Another category is retired servicemen.

Both groups come across a lot of objective and psychological difficulties. Psychologists admit that only few people with a specific temperament are capable of abrupt changing their professional life. The ability to take reasonable risk in your professional life - is the major factor of success. And on the contrary – fear of changes or failure inhibit your success. You will always have a well – paid job if you learn to regard studies and job changing as a natural component of your working life. A well – known American businessman, the author of several books on business psychology wrote: “It is not worth sticking to your primary vocation for being rewarded a golden watch when you are retired.

” Think, may be it is time for you to stop sending your teacher resume from one school to another and consider better choices.



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Sprint pcs treo 650 pda camera phone review

I ordered my Sprint PCS Treo 650 and it was delivered within days. I was replacing my older Sprint Samsung I300 which is another Palm PDA phone but uses the older Palm III OS and has no camera. I really wanted a camera phone but needed a PDA with calendar and contact information to get my Outlook data synchronized with my PDA. When the Treo 650 came out with the camera phone and Palm V PDA I knew it was time to retire the I300. I initial impression is that this is one easy to use phone. It has a built in tour that will make you a phone expert within minutes. I went from poking around with the built in stylus to running the thing one handed from the arrow and button pad. The Qwerty keyboard is amazingly fast and moving from application to application is seamless. The only thing I wish it did better was give you a quick shot button to activate the camera. The best I could figure was to put the camera icon in on the main screen and then get real good at running that app and snapping the shot.

The camera also functions as a video recorder and you can save video and pictures to a SD memory card if you purchase one separately. Setup of the phone was easy, simply drop the CD-Rom in your PC and let it load. Reboot and have the phone hooked up to your USB port and it will setup your Palm Desktop or Outlook synchronization. Installing applications is easy with the Palm installer that comes with the software. The Treo is quite slim and the feel in your pocket is deceptively small. My I300 was slightly longer and maybe 1/4" thicker but felt like it took up my entire pocket. With the Treo 650 I worry about losing it because I'm used to a larger feel from my phone / PDA. The camera on the trio is top notch for a camera phone and lets yo shut off the sound for stealth. No flash is available yet pictures come out well indoors. Overall the Treo 650 performs the duties of a phone/PDA/Camera well enough to justify the $600.00 price tag.



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Wifi vs wimax

Wi-Fi vs. WiMax – Wi Do I Care? Wi Fi Fo Fum, I think I smell the blood…oops wrong tale. This story doesn’t involve giants, but it does involve giant leaps forward in technology that will affect us all. The other day I was watching two kids play. Each had a tin can up to their ear and they were speaking to each other on the ‘phone’. Talk about technological leaps. Yes, the string that I used as a kid to hook up this intricate communication system had disappeared, and they were now wireless! When I was Batman back then, the string always kept me close enough to Robin so we could hear each other, even around the corner of a cinder block wall. Unrestricted by ‘the magic string’ these kids tended to drift out of range from time to time. Showing true genius, they engaged Billy’s little brother to position himself on middle ground, and he relayed wireless messages back and forth. They called him ‘tower’. I laughed. It really is a reflection of a changing world. We’ve gone from HiFi to Wi-Fi, and next on the endless chain is WiMax. The transition from ‘High Fidelity’, which simply related to sound quality, to ‘Wireless Fidelity’ or Wi-Fi, took about thirty-eleven years. The transition to WiMax is already in play, yet most of us haven’t figured out what Wi-Fi is really all about. According to the ‘Webopedia’, the term is promulgated by the Wi-Fi Alliance, and is short for Wireless Fidelity as I indicated above. What it means is that you can access the Internet from a laptop computer with the right stuff (wireless card) in various locations without the burden of a physical wire. Hold it – Webopedia? Yikes! Yes, it’s real, and it defines and explains web ‘stuff’. I guess Babe Ruth probably thought that Encyclopedias were on the bleeding edge, yet I wrote my 7th grade essay all about him using that standard, great source of knowledge. Makes you wonder what ‘pedia’ is next doesn’t it? It goes on to say that any products tested and approved as Wi-Fi certified (a registered trademark) by the Wi-Fi Alliance are certified as interoperable with each other, even if from different manufacturers. That’s kind of like Fords & Toyotas use the same gas to make them go, and their owners use the same ramps and highways to pick up milk, or go to the cottage. Even Hudson Hornets used a leaded version of the same fuel. An example where this wasn’t so well planned is the access to the electricity grids in Europe as opposed to North America. The same plugs don’t work in both places. Rather than making that mistake, the Alliance has created an accepted standard so that manufacturers create equipment, and the like, that can be used in a similar fashion to access the web. That means that your laptop, regardless of brand, will use the same ‘hot-spots’ to get access. Hot-spots are areas where the facility, like Starbucks or the hotel that owns the lobby, has put in the proper equipment to provide access from your wireless card to the great big cloud called the Internet. The wireless card is the gas for the Fords & Toyotas, and the hot-spot is the on ramp. And therein lie both the beauty and the problem. The beauty is that I can access the web from Starbucks in Atlanta, as well as a hotel lobby in Vancouver. If you’ve ever seen someone doing the hippy-hippy shake with their computer in their hands, you’re probably witnessing the problem. Wi-Fi access is limited in both speed and distance. The twisting person was probably trying to get a more consistent signal in the ‘hot-spot’. Enter WiMax. That’s not Max Smart and his wireless shoe communications, but it is the next generation of Wi-Fi. According to WiMaxxed. com it “will connect you to the Internet at faster speeds and from much longer ranges than current wireless technology allows.” They go on to say “WiMax promises up to a ten mile range without wires, and broadband speeds without cable or T1.” The result – we are absolved from the penance of viewing way too many hippy-hippy shakes. Well, not so fast, don’t throw out your dancin’ shoes quite yet. It’s not on the Wal-Mart shelves for next Christmas, but there are a lot of indicators that it’s real, and it’s just around the corner. First of all, it is an acronym for Worldwide Interoperability For Microwave Access, and it has actually been in the works for quite a while now. An article titled ‘FCC Move Could Boost WiMax’, states “A number of vendors and carriers have announced products, testing, or support for the standard in the last month, including Intel, Nokia, AT&T, BellSouth, Sprint, and Motorola.” These companies aren’t akin to Duke’s Pool Room – these are the big boys. The article continues to say, “Congress has been lobbied for months now to free more frequencies for wireless broadband.” AlcaTel states that WiMax will “bridge the digital divide by delivering broadband in low-density areas.” If you really study that statement, you can see where we are in the world today. Where governments once ensured that all residents were able to receive phone service in the Ma Bell days, that lingo is now being used in relation to broadband access to the Internet. May everybody have equal access is the refrain, but only if it’s high speed! So instead of hot-spot hopping, WiMax will provide true wireless mobility. And there’s more. In an article by Al Senia of America’s Network, he states that ‘Phone manufacturers such as Samsung and LG are expected to introduce Wi-Fi handsets compatible with this service by year’s end.” O. K., so that’s VoIP, except it’s wireless VoIP in hot-spots. Next is WiMax, with wide-area wireless VoIP. To be sure, there are quality and security issues to be resolved, whether that’s for surfing, voice applications, or a gazillion other Internet applications, before wider market acceptance is achieved. However, I attended a recent presentation by the Gartner Group, where the presenter stated emphatically that security is not an ‘if’ but rather ‘how much’. His meaning was clearly that the level of security required for business applications will be achieved, and that commercial providers will find the economic model that works. Ditto for quality. We used to trade information at the speed of the Pony Express, when the air was just filled with farm smells. Now when the air is filled with zeros and ones, information is transferred at speeds faster than Clark Kent. If we’re to remain on competitive even ground, we had better pay attention to these applications that are on the horizon. We have to assume that our competitors are paying attention. It took a century to transform from Alexander Bell’s basic invention to wireless phones. However, in the last decade alone, the Internet has met with wide acceptance by business, VoIP has become more common, Wi-Fi and Wi-Fi VoIP is now a reality, and WiMax and wide area wireless VoIP is very nearly on the market. In the past, I’ve often used an example of future possibilities by alluding to a chip in our eyebrows that can transmit holographic images around the globe. That’s not even that far-fetched anymore, so I guess I’ll have to come up with a better example. I’m going to have to track down the Jetsons and Star Trek reruns. “Grandpa, why is the sky blue?” That’s always been a puzzler. What on earth are you going to say when the question is “Grandpa, why is the sky zeros and ones?” That’s when you ask yourself, “Wi me?” That begs another question. Where do all the zeros and ones go when they’re used up? Is there a big Z&O dump somewhere? Or should that be backwards – OZ. Oh, that Wizard, I knew he was up to something.



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how to start trading the forex market part 2

Why is FOREX trading so popular? Because you can trade from anywhere. From your kitchen table, bedroom, garage or from the nearest Starbucks coffeehouse ( most of them have wireless Internet connection). If you have or like to travel, take your laptop with you and you can trade the FOREX anywhere in the world where you have an Internet connection. When you want to start trading the Forex Market nobody is asking you for a diploma, a formal license or a proof of how many hours you have spent studying the Foreign Exchange Market and/or Banking Industry. FOREX Trading is Economical and Start-up Costs are Low! You can open an account to trade Forex with as little as US$ 200 at he most brokerage firms. I personally do recommend Fenix Capital Management, LLC, which offers a state of art Trading platform, that allows you to place orders directly by clicking on the chart. The Main Benefits of Trading the FX Spot Market are: YOU don't pay commissions or fees! YOU can trade 24-hours a day ! YOU can trade up to 400:1 Leverage ! YOU can have FREE Streaming executable Price quotes and live charts! It is important to know the differences between cash FOREX (SPOT FX) and currency futures. In currency futures, the contract size is predetermined. With FOREX (SPOT FX), you may trade electronically any desired amount, up to $10 Million USD. The futures market closes at the end of the business day (similar to the stock market).If important data is released overseas while the U. S. futures markets is closed, the next day's opening might sustain large gaps with potential for large losses if thedirection of the move is against your position. The Spot FOREX market runs continuously on a 24-hour basis from 7:00 am New Zealand time Monday morning to 5:00 pm New York Time Friday evening. Dealers in every major FX trading center (Sydney, Tokyo, Hong Kong/Singapore, London, Geneva and New York/Toronto) ensure a smooth transaction as liquidity migrates from one time zone to the next. Furthermore, currency futures trade in non-USD denominated currency amounts only, whereas in spot FOREX, an investor can trade in almost any currency denomination, or in the more conventionally quoted USD amounts. The currency futures pit, even during Regular IMM (International Money Market) hours suffers from sporadic lulls in liquidity and constant price gaps. The spot FOREX market offers constant liquidity and market depth much more consistently than Futures. With IMM futures one is limited in the currency pairs he can trade. Most currency futures are traded only versus the USD. With spot FOREX, you may trade foreign currencies vs. USD or vs. each other on a 'cross' basis, for example: EUR/JPY, GBP/JPY, CHF/JPY, EUR/GBP and AUD/NZD More and more well informed investor and entrepreneurs are diversifying their traditional investments like stocks, bonds & commodities with foreign currency because of the following reasons: (will be continued) RISK WARNING: Risks of currency trading: Margined currency trading is an extremely risky form of investment and is only suitable for individuals and institutions capable of handling the potential losses it entails. An account with an broker allows you to trade foreign currencies on a highly leveraged basis (up to about 400 times your account equity). The funds in an account that is trading at maximum leverage may be completely lost if the position(s) held in the account experiences even a one percent swing in value, given the possibility of losing one's entire investment. Speculation in the foreign exchange market should only be conducted with risk capital funds that, if lost, will not significantly affect the investors financial well-being.



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Debt consolidation service in birmingham

Jane was a fun loving girl from Birmingham, you could say she lived for today. She wanted all the latest fashions and gadgets and certianly was not afraid to use her credit card to pay for them. She had a weird philosophy on life. For some reason she believed she would die before the age of thirty, however thought that if she was still alive, she would by that stage be earning lots of money. This huge wage packet would be more than enough to pay for any debts that she accrued in her late teens and twenties.

Jane was a girl who could never say no to going on holiday with her friends. There were a number of occasions where she booked a holiday when in reality she could not afford it. Never mind, I will pay for it with my credit card and worry about it at a later date, she thought. At the age of twenty four, Jane decided to buy a car. Not just any car, or a car for somebody on her earnings but a quite expensive model. You may be wondering how she paid for this car, it was a car loan of course. Clothes shopping and actually shopping of any kind was a weekly must do thing for Jane. She was a true friends to shop retailers and signed up with many of stores card schemes, who's motto is buy now, pay later.

Jane had a very happy and exciting time during her late teens and twenties, however she did not die before the age of thirty. Companies started knocking at her door, asking for the debts to be repaid. Jane had loan repayments and credit card repayments coming out of her bank account on around eight different days in the month. This was when Jane needed help and she sought the help of a debt consolidation service provider.

For Jane it was now time to grow up and to live in the real world. This was very hard for her to keep track of.



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Kids in a bubble

As you’re wiping your child’s hands with instant hand sanitizer, you may hear some people say, “When I was a kid we didn’t have sanitizers for everything. How do today’s kids build their immune system if we keep them in a bubble?” The reality is, the bubble has been burst, as more kids than ever before are trotting off to daycare at young ages, going to restaurants and traveling on airplanes more frequently than generations past. While we are doing our best to expose our kids to these enriching experiences, we’re also exposing them to viruses and bacteria that spread easily from person to person. Since children under the age of five are more prone to complications from colds and flu, what can parents do to keep our kids healthy? The first step is to be aware that 50 to 80 percent of infectious diseases are caused by things we touch in our environment. Here’s one example: The next time you go shopping think twice about this: When you touch the shopping cart or your child touches the handle on the shopping cart, and it is laden with e. Coli from a leaky meat case, and then you sample the deli turkey or put your hand to your mouth, your life could literally be in your own hands. The solution? Bring along a disinfecting wipe for the cart or let your child hold a toy so his hands are less likely to find their way into his mouth. Use a piece of paper towel to open the public restroom door on your way out, since studies show that there are more germs on the faucet in the restroom than almost anywhere else, including the toilet seat. Never place your purse on the floor in a public restroom; put your purse on your lap or hang it around your shoulder; the floor is a germ breeding ground and the problem is you’re likely to take that contaminated purse and put it on your countertop at home where you’ll be preparing food for your family. When eating out with very young children, bring along sanitizing wipes to clean the area where they will be eating. Why? Most restaurant servers use the same dirty rag as they go around wiping the tables “clean” and actually transfer dangerous bacteria from table to table. If you have children, they will likely drop food on the table and, as a reflex, will pick it up and eat it. Do you really want them taking a handful of bacteria with their Cheerios? Pack your kids’ lunch box with some instant hand sanitizer: Studies show that using these sanitizers cuts absenteeism in schools by 30 to 50 percent. Consider putting a HEPA filter in common areas of your home so that if child gets sick he won’t pass it to everyone near him. Sanitize your work area if you plan to eat your lunch (or a snack) while sitting at your workstation and/or desk. Studies by Charles Gerba, Ph. D., revealed that public toilet seats actually have less germs per inch than desktops in a typical workplace. To get more information, please go to: http:// germfreaksguide. com/offer/index. cfm By Allison Janse, Author of The Germ Freak’s Guide to Outwitting Colds and Flu



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Humminbird fishfinder 565 essential every time you head to the lake river or ocean

The Humminbird Fishfinder 565 offers many great, high quality features that are essential for finding a load of fish every time that you head out onto the lake, river, or even the ocean! Any fisherman who is serious about finding the best fish needs to have a fishfinder like this one. Simply consider the features that it offers. Let’s take a look at them. The Fishfinder 565 has a high definition, 240V by 240H five inch screen. Sounds great, but what does it actually do? This high definition screen allows for a very good picture. In fact, the grayscale is very precise and you will not miss the color. It is a big screen so you get a good sized picture for easy viewing. But, what does the 565 put on this screen? The 20 degree single beam sonar is optimized for coverage and precision bottom detail. With this amount of sonar, you can see very clearly what is lurking below whether it be a structure or the fish you are searching for. And, you don’t just see directly below your boat but in the area next to it as well.

This gives you the best opportunities to see the fish you want. Other features offered by the 565 include Sonar Echo Enhancement so sensitive that it will see your jig up to 40 feet away which allows you to watch the fish become lured towards it! Imagine seeing the fish latch on to it! It also allows for separate targets within 2 Ѕ inches of precision. Perfect to allow you to get things just right. To make moving your Fishfinder 565 easier to move, you get the Tilt & Swivel Quick Disconnect Mounting system. In this system, you simply need to push a button to move it from place to place, no dealing with cables.

With many more features than these, the Fishfinder 565 is the perfect gift for any fish lover as well. You will enjoy the ultimate fishing trip, finding the fish that you want.



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Golf secrets to dramatically improve your game

Every amateur golfer is constantly looking for golf secrets to dramatically improve their game. Yet they are not very easy to come by. The competitiveness of the game will not allow the professionals to easily share all their valuable secrets. Since the golf game is all about making the correct golf swing, a golf secret related to the swing would be considered pretty valuable. This article carries two valuable secrets related to the golf swing. Firstly, the following simple realization can go a long way in improving your golf game.

It is the simple fact that a golf drive is a very unnatural movement for the body. Because of this, the body naturally resists every effort we try to make towards perfecting our golf swing. Realizing this and taking steps to condition the body so that swinging a golf club becomes as natural a movement for the body as possible, is a golf secret that will improve any game in leaps and bounds. Conditioning of the body will involve exercises designed to strengthen your key ‘golf muscles’. The second golf secret I will share in this article has to do with stretch exercises.

For a better golf game, stretching before the game should be part of your warm-up. Carefully warming up before the stretch exercises so that your core body temperature is raised will help you avoid injury which is common with people who are careless about warming up or totally ignore itv altogether. Warming up does not have to be an elaborate thing. You can for example walk very fast from your car to the practice range. The shoulder joint is the first you should stretch with movements like arm circles and arm crosses. The hamstrings and lower back are also very important areas of the body for a golfer.

You should slowly ease into toe touches starting off with slightly bent knees and slowly straightening them. Another important golf secret you should note is that stretching exercises should be repeated again after the golf session ends. Spending a few minutes stretching your muscles which you will have just put through a lot of stress will be a great help. This will prevent a lot of soreness and tightness of muscles. These are valuable golf secrets that will transform your game.



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Weight loss survey why dieters fail to lose weight

Current levels of overweight and obesity, together with weight-related disease, have made weight control a major health priority throughout America. Yet statistics indicate that average weight reduction on conventional diets adds up to a mere 5-8 pounds per year. So why do we find dieting so difficult? According to a new survey(1), the answer seems to be: because we make 3 crucial mistakes. We don't have a good enough incentive; we allow ourselves to go hungry; and we can't cope with "bad days".

The weight loss survey conducted by annecollins. com asked dieters to select the three biggest problems they faced when dieting. The most common problems reported were: "Inadequate incentive to lose weight" (76%); "Hunger" (72%); and "Bad days" (70%). Although these results will come as no surprise to most dieters, they highlight the importance of motivation in the dieting process. We examine how these problems occur, and what steps can be taken to overcome them. Why Do We Need an Incentive? We gain weight because we take in more energy than we use. Either because we eat too many calories, or burn too few, or both. So if we want to reduce weight, we need to improve our eating and exercise habits.

And this is not easy, because let's face it - old habits are not easily discarded, especially if they involve cutting out our favorite treats. We need a powerful incentive to help us change. Specifically, we need an answer to the question: "How exactly will I benefit from losing weight?" When faced with this question, many dieters have no answer. Those who do, typically reply: "I'll feel better" or "my health will improve". Others explain they are trying to lose weight to please their doctor, or their partner, or simply because they are "overweight". Unfortunately, none of these reasons are strong enough to help us succeed. So when temptation strikes, we are unable to resist. What Type of Incentive is Best? Our motivation to lose weight must be based on a selfish, specific benefit. A good example might be an upcoming beach holiday, or a family occasion, or the achievement of a specific mobility or fitness goal. It must be as specific as possible (general benefits are useless) and ideally related to a fixed date. In addition, it must be selfish. Losing weight to please others rarely works. The advice I give to my clients is very simple. Do not bother dieting unless you have a good incentive. Because no matter how good the diet, no matter how valuable the exercise plan, unless you have a powerful reason to change your habits you won't succeed. Hunger Kills Diets Most dieters are still convinced that calories are their enemy. So the less they eat, the faster they are likely to lose weight. This is not true. In reality, the less we eat, the more hungry we get and the easier it is to fall into temptation. The human body is trained to eat when hungry and no amount of willpower will neutralize this basic urge. This is why binge eating is such a common response to low calorie diets. How to Avoid Hunger No rocket science here. Avoiding hunger simply means eating regularly throughout the day, and keeping your calorie intake above 1000-1200 per day. This prevents hunger, thus reducing the urge to overeat, and in addition helps to maintain a regular high level of calorie-burning. Eat Too Much Rather Than Too Little We all have days when we feel extra hungry, even when we are dieting. This is no problem - simply eat more! It is always better to eat a little too much than not enough. Might this delay your weight loss? Yes. But so what? Taking a few extra days to achieve your goal is not a problem. The real danger is not eating enough and ending up hungry and depressed. This is a recipe for a binge. Bad Days and The Problem of Perfection No dieter is perfect. The truth is, all dieters experience "bad days" or fall into occasional temptation. Sadly, most dieters insist on "being perfect". They cannot tolerate these lapses. So if (say) they visit a friend and end up eating 2 containers of ice cream and a box of cookies, they go to pieces. "I'm useless!" they cry. "I'm a failure!" Overwhelmed by guilt at not being perfect, they then quit their diet in disgust. It's the Guilt That Does the Damage In this situation, the actual binge is typically fairly harmless. I mean, we need to eat a huge quantity of food (3500+ calories) to gain even one pound of weight. The real damage is caused by the ensuing guilt. And this is what we need to address. Guilt Comes From Trying to Be Perfect All dieters make mistakes and this is perfectly normal. Having an occasional binge is no cause for alarm, far less guilt. Even my most successful clients - those who have lost 100+ pounds - had regular lapses. The difference is, they didn't see themselves as "perfect" individuals. So they felt "entitled" to make occasional mistakes, and so should you. Once you accept this, you will find dieting a whole lot easier. We Need Support to Make These Changes In order to overcome the 3 problems described above, an essential first step is to find proper support. This is just as important as choosing the right diet plan, because no matter how good the diet, it can't motivate you to stay on track - only people can do this. Dieting is ten times easier when you receive encouragement from others. So when choosing an online weight loss program, choose one with an active forum. Because at the end of the day, it's all about people. When we are alone and isolated, the smallest obstacle can seem like a mountain. But when we have people behind us, anything is possible. Notes: 1. Weight Loss Survey (Oct 2005) by annecollins. com. A total of 17,403 subjects replied to the survey. They were asked to choose 3 from a list of 10 diet-problems. The results were as follows: (1) Inadequate Incentive (76%). (2) Hunger (72%). (3) Bad Days (70%). (4) Boredom (69%). (5) Stress (60%). (6) Interference From Others (51%). (7) Too Much Eating Out (32%). (8) Eating on The Run (28%). (9) Ill-health (5%). (10) Lack of Sleep (1%). Copyright Anne Collins 2005.



Online Weight loss survey why dieters fail to lose weight

Sports assists

Persons who have become disabled since birth and/or even due to accidents are more open-minded nowadays. They think of their situation as something that doesn’t tell them that it’s already the end of the world. Otherwise, it gives them the chance to ponder on the other things that they can do now. They do engage in various activities that can help them overcome their condition and become more confident about themselves. In fact, some of them already established integrity and a good reputation in various fields including sports. Along this fact is their need to have something – I’m talking about wheelchairs – that can “support” them in carrying out these activities. According to the article “Wheelchair Seat Angle” by Gary Karp which was posted at spinlife. com, your chair seat does not necessarily need to be parallel to the ground. Seats can slope down toward the back. The angle of the seat compared to the ground is known as "seat dump" or "rake".

Having some degree of seat dump makes those persons with disabilities more stable in their seat. People with higher level spinal disabilities gain security and safety with the use of seat dump. Manual riders are able to exert more push with less effort through their arms and shoulders. This so-called seat angle in wheelchairs helps keep your weight in place, preventing you from sliding forward because it controls stability and safety for the rider. Seat angle or “squeeze” is when the seat has permanent slopes from high in the front to low in the back. However, the disadvantage is that seat angle increases pressure and shear forces increasing the risk of skin breakdown, and too much angle can cause scoliosis, disk problems, curvature of the spine, and sacral pressure sores.

A more pronounced seat dump might also make it more difficult for you to transfer in and out of your chair. Doesn’t sound fun, right? I believe the wheelchair was primarily invented to make disabled persons feel comfortable all the time. We all know that these people indulge in sport activities, too. In fact, I’ve heard about this Paralympics for persons with disabilities. There are also some athletics events for them using their wheelchairs to win the race. What a great way to honor them and make them realize that they’re still fortunate for the opportunity to have a beautiful life they can spend in this wonderful world!

Above all these, we can still never deny the fact that wheelchairs have become a big part of the lives of disabled persons and it will continue to be such. And indeed, these people also have a place in the wonderful world of sports after all!



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No time for exercise try this

“Fitness” is an elusive term covering a vast array of attributes: flexibility, cardiovascular endurance, muscular endurance, strength, power, balance, coordination, body-fat percentage and more. While its generally accepted that multiple 30-60 minute sessions per week are optimal for producing results, the truth is that it’s possible to do a great amount in far less time. EVERYONE has five minutes a day…the only question is, can anything really useful be done in just 300 seconds? The answer is a resounding “yes”, but we need choose our exercises carefully. If there is such a limited amount of time, the best choice is to pick the most important muscle group. Chest?

Back? Shoulders? Legs? All wrong. The abdominals are the most important muscles in the body. In no particular order, they: 1) Protect the low back. 2) Are vital to sports performance, transferring power from the lower to upper body. 3) Aid digestion, and massage the internal organs. 4) Are important for proper, healthy sexual function. 5) Are “the window of health”—we judge fitness and health more rapidly with a glimpse at the waistline than any other single indication. 6) Are vital for posture, which increases physical energy and mood. 7) Are the linchpin of your entire fitness program. You’ve never seen someone with toned abdominal muscles and flabby arms and legs, have you? The reverse is not true. 8) Are the most important muscle group for physical attractiveness in men or women. No matter the wonderful definition of arms or legs, if your gut is sagging, you have a problem! There are other reasons, but one of the best is the fact that of all body parts, the abs tend to be the least favorite body part to work. They’re hard! That reason alone should be enough to motivate you: anything other people don’t like working is a golden opportunity for you! But how can you do anything useful in just five minutes? One daily approach is to perform five minutes of the toughest ab exercises you can find, and a fantastic tool for this is a “Roller Wheel” available for five dollars at any sporting goods store. Not the fancy ones, just the simple get-on-your-knees variety. Try this: perform one rep, and take a breath. Then do two reps, and take two breaths. Then three, and take three breaths…and so on until you can’t go any higher. Then, drop back to one rep, and start climbing again. When that gets easy, take one breath for every two reps. An even better method is to break up your exercise into multiple daily sessions. The roller wheel is useful here as well, but you might want to investigate some of the powerful “Vacuum” exercises from yoga, or the dynamic-tension style “stomach flattening” exercises. In these, you exhale all air, and flex the abdominal muscles for several seconds. Believe me, if you do these properly, even without aerobic exercise your waistline will decrease! While there is no serious disagreement that longer sessions produce better, and more balanced results, the busiest man or woman on earth can find five minutes a day…and sometimes, that toehold is what it takes to get you started on a new, healthier lifestyle.



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How to trace your ancestors with the 1790 1810 us census

: Most genealogists working in the US have learned what a valuable tool the US Census is. But the ins and outs of each census record are intricate. It seems like each decade something changed about the information included or the way it was recorded. This perception is quite often the case. The history of the US Census Records is important to understand when using it as a resource to trace your ancestors. This article features census searching tips and covers the history of the US Census from 1790 to 1810. Part two in this series covers US Census history from 1820 to 1880, including 1850, a watershed year in census history.

The third and last article covers the history of the census from 1890 to the present. Census Searching Tips Try any and all spellings of first and last names, or use Soundex if possible. Some enumerators were quite "creative" in recording people's names. Especially in earlier censuses, many people could not write or spell their own name for the enumerator. Recent immigrants might also have had thick accents. McCollum, for example, might be rendered McCullum, McCullom, MacCallum (its derivation), MacCollum, McColm, McCollin (that's straight from the census record), etc. A fairly common name, Franklin has fourteen extant spelling variations that might appear (including two f's, two n's, ck for k, y for i, a silent e, and combinations of the four). My husband's genealogy has the surname Faulkner spelled four different ways in four generations, and each of those men could have used any or all of those spellings during their lives, if they were literate. You get the idea.

Keep in mind that city, county and state boundaries have changed, especially from the times of the earliest censuses. Counties existed then that don't now, and vice versa. There is a map guide to help you find locations in each census. When reading census records, read every column, all the way across the page. The wealth of information contained in each census records helps you to learn more about your ancestors. It can also point you toward more documents, like tax, property, military, immigration and naturalization records. Searching census and other records can be a time-consuming task.

A professional genealogy research service can provide you with thoroughly-researched, pertinent information from census and other records. Tracing Your Ancestors with the 1790-1810 Censuses By order of the Constitution, an official enumeration of United States citizens needed to be made to determine the exact number of representatives each state warranted in the new Congress. Repeated every ten years, the census was posted in a public place for verification and sent to Congress. The first censuses listed each head of household by name and gave the number of free white persons and slaves in the household. Beginning in 1810, these counts were divided by age group and gender. For example, a family might be listed by the father's name and indicate that there was one free female under 10, one slave female and one slave male 10-16 years old, one free female between 16 and 26, one free male 26-45 and one free male over 45. For these six people, we have only one name. For full names and exact ages, other records are necessary. This notation system was used through the 1840 census. Census records of the 1790 census are missing from Delaware, Kentucky, New Jersey, Georgia, and Virginia.

They were lost some time before 1830. These were the first but not the last census records to be destroyed through carelessness. It appears that the 1800 census is complete. The 1810 census also lists information on "manufacturing." Census takers were not told exactly what to inquire about for this category, so it may include personal property, livestock, etc. Indications of property should also lead you to tax and deed information.



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Fathers who work from home

These days more and more fathers are choosing to work from home in a quest to spend extra quality time with their children. They have chosen to get out of the normal routine of travelling to and from work each day in order for them to be able to take their kids to school as well as pick them up in the afternoon. I am somebody who has taken up this type of lifestyle. I am a kind of house husband who also is able to earn money each month which helps to pay towards some of those unwanted bills. I love the fact that I am able to take my young son to school, he is currently in his first year which is called reception class and looks so cute as he chats to his mates whilst awaiting his school day to commence. This is a side of my sons life which I would be unable to see if I had what most people call a regular job. In the afternoon I collect my son and help him with his homework when we arrive back home. He will then relax which then allows me to get on with some more of my work. While he is at school, I run speech therapy courses which are aimed at helping people who stammer to achieve fluency. I myself had a speech impediment up until the age of twenty-two and I really enjoy helping and teaching other people the ways in which they can also eradicate their own stammer. I also spend time helping people to promote their website/s. I do this in a variety of ways including writing articles like the one you are reading.

In this role I am able to work at times that suit me. This includes some evenings when the house is a little quieter but basically is at times when I choose. Working from home may seem like an easy life but you have to ensure that you put the hours in. I know quite a few people who have a similar role in life to the one I have. What I mean by that is not so much in the type of work that they do but in the fact that they also work from home. One of them is able to work as a type of travel agent and helps people who contact him to book holidays over the internet. Another friend is a website designer who has an office in his house. He tends to prefer to work in the evenings and is able to spend his days doing the things that interest him such as playing golf. There are many different roles for other people who are looking to work from home, it is just a matter of finding them. Market research is another area that a lady I know does very well out of. The hours are less sociable but it suits her lifestyle down to the ground. If you are fed up with working in say an office, there may well be options out there which could include working from home, which could suit you and lead you to having a much happier life.

Good luck.



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Skip troweling method for textured ceilings

There are several ceiling texture choices to choose from when finishing a room. You can simply apply a flat paint to the ceiling, or spray or roll on a popcorn textured ceiling. However both these choices seem to be waning in popularity to the Skip Toweled look. The Skip Troweled look provides a compromise between the flat painted ceiling and the popcorn ceiling. It provides texture but to a lesser extent than a traditional popcorn ceiling. Skip Troweling is relatively simple to do and can be performed by a homeowner who is doing a home addition project.

Skip Troweling should be performed after the sheetrock, mudding and taping are complete. Skip Troweling simply involves applying water downed Joint Compound onto the ceiling and running a trowel over it once. To Skip Trowel a ceiling, simply water down a batch of Joint Compound to a soupy consistency. Then using a trowel (the pros use a sprayer for large areas) simply spread the material onto the ceiling.

Note that this is a very messy job as there will be significant spillage and dripping. Consequently protect yourself and your floors with eye-protection and plastic on the floors. If the Joint Compound is of the right consistency the material applied onto the ceiling will begin to form stalactites that dangle from the ceiling. Not too worry as this is what you want to occur. After the joint compound has begun to dry somewhat, use your trowel to knock off the high points (the stalactites).

To do this, simply run your trowel over the now partially stiff joint compound area. The completed surface will have a mottled look. Let the Joint Compound completely dry then paint the ceiling using a roller. When employing the Skip Trowel method you can get creative by adding fine sand to the Joint Compound mixture before applying to the ceilings, or by moving the Trowel in a swirling pattern when applying the compound. In addition, some of the pros actually mix paint with the soupy Joint Compound mixture to eliminate the need for applying paint after the material has dried.



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Let your bathroom decor brighten your day

: Decorating can be a very fun and easy way spruce up any home. Whenever one gets the urge to make a change, a great way to mix things up without any permanent damage that one might later regret is to engage in a redecoration project. Something as simple as a new shower curtain for your bathroom can bring a sense of renewed contentment and comfort to your bathroom. For a more drastic change, many people embark on larger remodeling projects, such as buying new furniture or replacing kitchen cabinets. Making A Change No matter what the reason, shopping therapy has long been established as a way to make many people feel better.

For people who utilize shopping as a feel good measure, they generally spend money on pointless expenditures that could quickly suck finances dry with nothing to show for it. On the other hand, shopping with a purpose can be fulfilling, and it can provide a real sense of accomplishment. In many cases, it can be very difficult to decide on what would be a valuable use of ones' time and money. Decorating a home can be a very special experience, especially when the homeowner has recently purchased her first home. There are many different ways to approach decorating a new room. Some approach decorating as "working around a theme", while other people choose to "work around a particular item" in a room. Choosing a room to decorate can also be very difficult. In every home, there are many rooms to choose from. Finding the right on to start with can be challenging, because it is difficult to decide which room needs the makeover the most.

Bath Accessories One of the rooms in the house that can the most fun to decorate is the bathroom. It is also one of the least expensive rooms to redecorate, depending on the level of commitment given to it. It certainly does count as a room that can be redecorated on the cheap. There are many fun bath accessories that one can choose from in the marketplace. There are countless bed and bath stores around the country, dedicated solely to selling a variety of home and bath accessories that make shopping for them fun and interesting. One of the neatest things available on the market is the decorative toilet seat. Generally, toilet seats are not considered to be designer objects, but recently there have been many new options made available for the bathroom. There are many ways in which toilet seats illustrate a decorative vision, combining functionality with aesthetic appeal. These essential seats come in a variety of colors and sizes. Some of the more creative toilet seats are clear and have little decorations molded inside of them, like little ducks or frogs.

Okay, I admit it. I am an adult, but watching Sponge Bob Squarepants with my nieces and nephews is fun. So, for a fairly long time, I had a Sponge Bob Squarepants toilet seat and shower curtain. It was a great idea when money was tight. But, with my last home decoration project, I decided to add a little more class to my master bathroom. While the ranges of available toilet seats are designed for any bathroom dйcor, they are still very functional accessories. In reality, there is nothing more important in a bathroom than the toilet, but just because they are necessary does not mean that they cannot be attractive and stylish too. Many other bath accessories offer the same possibilities. Simple, bland shower curtains have firmly been removed from the past, along with the cucumber green bathtub… Thank goodness for the smallest favors. With more styling options, manufacturers have allowed for numerous decorating options to become available to us, including lace and children's shower curtains.

No matter what template or theme you use in decorating your home and bath, finding something to suit it can be as easy as a quick online search. There are more options available now, than our grandparents could have discovered over the course of their lifetimes. Putting it All Together Once all of the necessary parts have been gathered, the fun of actually putting everything together can actually begin. There are many ways to go about doing this. Forming a good image of how you want everything to look is a wonderful way to begin. Place everything in its relative location, step back, and survey the results.

Generally, things will not always appear as planned and some fine-tuning is going to be necessary. Many times, it will be difficult to find the exact pieces that would look good in a room right away. Some people select temporary decorations to fill the holes that await other important decorative purchases. Other people simply leave those empty spaces until they can locate the suitable decoration to fill the empty space. Conclusion No matter which approach you take to decorating your home, the end results should always leave you satisfied with your accomplishment. Adding personal touches, like decorative toilet seats or cute bath accessories, will make a home feel more like it actually belongs to you. It definitely increases the sense of home ownership that we can treasure for years to come.

Having a home of your own is one of the few aspects of the American Dream that will never fade in our changing culture. A space that you can call your own is like a sanctuary against the demands of the outside world. A personalized sanctuary can be one of the most inviting places in the world. And given that we spend as much time as we do in the bathroom, it is imperative to our well being that the final design of our bathrooms creates an adequate sense of satisfaction for us.



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Short live telecoms monopoly

"Free will cannot be debated, but only experienced like a colour or the taste of potatoes." My question: can we really experience it? In a world in which everybody talks of nothing else than Democracy, is our wolrd slightly democratic? Have we really come a long way through History? Or are we just repeating the same mistakes all over, just changing the pattern of them? " We go on discovering that we are this, that and other things and sometimes we have astounding experiences. We are unfinished, we are growing and changing. Yet that future personality which we are to be in a year's timeis already there, only it is in the shadow. These potentialities naturally belong to the dark side of the ego. We are all aware of what we have been, but we are not aware of what we are going to be." But do we really change and improve or we are just the same all over? " In point of fact what is interesting about people is the mask that each one of them wears, not the reality that lies behind the mask. It is a humiliating confession, but we are all of us made out of the same stuff. Where we differ from each other is purely accidental:in dress, manner, tone of voice, religious opinions, personal appearance, tucks of the habit and the like. The more one analyses people, the more all reasons for analysis disappear. Sooner or later one comes to the dreadful unioversal thing called Human Nature." For two thousand years or more man has been subjected to a systematic effort to transform him into an ascetic animal. He remains a pleasure seeking animal. And some are pleasure seeking animals at any cost. Cheating, robbing, killing is nothing that a mean to achieve it. The biggest the Corporation, the more polithically involved, the more cheating and crooking. Look at the Politicians of today, at the big Monopoly corporations... When will we wake up? They try to shut our mouths and minds with any kind of stupid fullfilling devices, but still keeping the hand ( and the profit) in it. Once they said man built his own pleasures, now they say he has to pay for them. They also say it takes gut to be a dreamer and a visionary, I think on the contrary it comes naturally, either you are or you are not. Either you see reality or you see what they want you to see. The economy of means is founded on the richness of thought. I have just started my personal peaceful war and I am looking for people who can share my dreams. Short live the Telecom monopoly! http:// worldonip. com/community



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