Taking birth control pills to fight acne

Anybody who’s ever had a run-in with acne probably knows that there’s a vast array of products out there that all claim to get rid of zits fast and effectively. Unfortunately, there’s just not that one miracle product out there that will cure everybody’s acne ailments. More often than not, a person who suffers from acne has to try and test out a variety of products before they find anything that really works with them. It can be a long and frustrating road to travel down at times. There are really a lot of factors when it comes to determining what causes acne in certain people.

Cleanliness of the skin is one factor that is important but not the main cause. When experiencing acne breakouts, a clean, well moisturized face is essential to help prevent further attacks, but having a completely clean face at all times does not guarantee that it will be free of acne for all of that time. Diet is another widely ignored factor that is important when it comes to a clear complexion. The foods and drink a person consumes does have a direct effect on what is secreted through the skin. If someone has a diet that is high in fat, sugars, and preservatives, they have a much greater chance of experiencing acne breakouts.

Another major factor that causes acne is an imbalance of hormones in the human body. Hormonal imbalances that cause acne in humans are primarily because of the bodies over or under production of sebum. Sebum is a substance found in the sebaceous glands that the body normally produces to lubricate and protect the skin from the environment. When there is either too much or too little of this sebum being produced, the pores and hair follicles can become dry and irritated, leading to acne breakouts. Acne problems happen for women when there is either an overproduction of androgens or they are overly sensitive to the body’s natural level of those androgens. Another imbalance can be an underproduction of estrogen; the chemical found in females that counteracts the effects of androgens. Birth control pills contain two chemicals - estrogen and progestin, which are known agents in maintaining a normal hormonal balance. Progestin is a pill that contains a synthetic version of the hormone progesterone.

It is both helpful and harmful when it comes to acne on the skin. It is beneficial in that it bonds with the progesterone to maintain normal sebum production but is also known to cause the body to retain more water than usual, which can lead to bloating and blocked pores and hair follicles. The birth control pill helps to prevent excess androgen formation by reducing the amount found in the bloodstream and blocking them from the receptors or the sebaceous glands. This is why birth control pills are so effective in helping to prevent acne in so many women.

Just like acne products, there are a multitude of birth control pills that are produced and manufactured for a variety of physical body types. In order to get on birth control pills, a woman must first consult a physician in order to find out what will be the best type for her personal needs. Pills come in a variety of brand names and ingredients and range in a number of strengths. A physician will be the most helpful in determining which is the appropriate type. If you are a woman who is suffering from acne, you may benefit from looking into the use of contraceptive pills to help fight off future acne breakouts.



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Ten tips on how to get the best deal on car insurance

With the high cost of gasoline nowadays, most new drivers think twice of getting car insurance. Driving without any car insurance is a very big risk. Most drivers might think that car insurance is way too expensive, but in the long run it may save you a lot of money. Take for instance this example, if you are in a car accident it may cost you thrice the amount you might have paid for a car insurance to cover for hospitalization and for buying yet another car. Plus without car insurance you will be paying police fines as well as paying for suspended licenses. A total of 47 states require some kind of insurance for your car. It would be wise to know the basic law covering car insurance. Here are ten tips you can refer to on how you can get the best deal on car insurance. 1. Know the different types of car insurance policy The first thing to know in buying car insurance is to understand the different policies they offer. Choose a policy or policies that would best suit your needs. Liability - This policy covers physical injuries and damages to property. This includes paying for hospitalization and other medical expenses. Damage to property includes vehicles and other tangible property that might have been damaged during the accident. Liability also includes expenses for court proceedings if the vehicular accident requires one. Collision – This policy covers any damages if your vehicle is crashed to another vehicle, lamp posts, house or any another objects. Comprehensive – This policy covers damages caused by natural disaster like flood, storm, hail or wind. This also includes damages by theft or vandalism. Medical Coverage – Medical expenses are covered by this policy not considering if the cause is a vehicular accident or not. Personal Injury Protection (PIP) – A personal insurance of the driver. This policy covers for medical expenses and treatment caused by an auto incident. Uninsured Motorist – If by chance you are hit by an uninsured driver, this policy covers the damages done to your vehicle. Underinsured Motorist – This policy will cover the remaining cost for repairing your damaged car if ever the incident is caused by an insured driver with inadequate liability insurance. Rental Reimbursement – In case of a damaged car due to a vehicular accident, this policy will give a daily allowance for rental fee. 2. Know your credit rating: In most states, credit rating has always been the number one factor affecting car insurance rates. Be sure you have a copy of you credit report and check its accuracy and immediately contest any erroneous information. 3. Motor Vehicle Report (MVR) You can get a copy of your Motor Vehicle Report in your respective Department of Driver Services or Department of Public Safety in your state. A three year record may cost you 5$ and a seven year record would cost you 7$. Like credit reports, verify that all information are correct. 4. Accident Reports You can get a copy of your Motor Vehicle Accident Report from the local police department. It may take around six weeks before you can receive the detailed report. You might need to pay a higher car insurance rate if you have reported accidents within the last eighteen months. 5. Scout for a good insurance package There are some insurance companies that are offering multi-vehicle discounts. You would get a lower rate if you have two or more vehicles that you want to get insured. Also, you can get a good deal from one company that packages all their insurance policies, including home and health insurance. 6. Check out various discounts Most insurance company offers a discount to drivers over 55 years of age. It always pays to be a good student; you can get a student discount if you have a3.0 point average or higher. 7. Obtain a Driving Safety Certificate It is common for car insurance companies to give certain discounts to those who finish a safety driving course with a very good standing. 8. Check the model of your car Insurance rates can be different from vehicle to vehicle. A fancy car will obviously have a higher rate than an older model. 9. Take advantage of added features Be sure you are receiving lower rates for safety and security features like antilock brakes and air bags. 10. How much are you willing to pay Choose the option where you can handle the down payment and the monthly paying scheme. Compare other insurances’ prices before purchasing one. You can try calling a toll - free number (1-888-588-5111) where you can ask for car insurance assistance and compare rates. Having car insurance is like driving trouble-free. But, as always, being a responsible driver exceeds all effort in having a hassle-free life on the road. Never drink when you’re driving. Have a big respect for your life and that of others. Go get your car insured and be safe on the road!



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Male breast enlargement men who wish for larger breasts

Do you feel that you will learn enough from this article to help you out with the subject matter at hand? Some men just naturally have larger breasts and nipples than others. Certainly, being overweight will increase the size of a man's breasts. Age also may cause breasts to hang, creating breasts where before there were only firm pectoral muscles and small nipples. Most men who have noticeable breasts work hard to hide them, and wish they didn't have them. A marginal of men, however, require large male breasts.

They often wish to increase the size of their own breasts. The require is usually, but not exclusively, a sexual one. Both heterosexual and homosexual men may long for larger, rounder, more feminine breasts. It is not at all bizarre for a heterosexual, married man to take herbal pills to increase the size of his breasts, which both he and his consort will then enjoy during foreplay and intercourse. Men who require larger, rounder breasts should look for breast enhancers on the Internet. The Internet is a great place to discreetly and privately find information and harvest for male breast enlargement. If privacy is important to you, make sure that it is also important to the band selling you enhancers.

Look for a privacy guarantee, or you may find yourself on a lot of embarrassing and trying mailing lists. If you liked the first section of this article, stay tuned because we have more to follow in the next section! Once breast enlargement has begun, the man may wish to start wearing a bra. Enlargement may increase sensitivity to the nipple area, which a bra can counter. The bra will protect receptive nipple skin from rubbing shirts.

wearisome a bra is also very pleasurable for many men who wish for feminine, curved breasts. No matter which way you look at it, having a firm understanding of this topic will benefit you, even if it is just slightly. Pueraria Mirifica Pills KWAOTIP THAI FDA. G. 187/42 Kwaotip is a premuim grade Thai traditional herbal formula derived mainly from White Kwaotip Krua (Pueraria Mirifica). After many years of research from Dr. Wichai Cherdshewasart, the studies indicated that this herb shows estrogenic and rejuvenate effects to the female body especially at the breast, hip, facial skin, body skin, hair and vaginal epithelium. Thus elevate the appearance of the female secondary sexual characteristics and also the skin beauty. ALL Natural Dietary Supplement Hight Phytoestrogen (especially isoflavonet): *Increases sensitivity and vitality *Promotes silky shiny hair, keeps hair pattem bone calcium accumulation *Enhances breast and skin appearance *Serves as a anti-wrinkle agent *Enhances physical and mental ability *Serves as a fountain of youth Ingredients: Pueraria Mirifica and other herbs (60 capsules per box) Recommended Dosage: Take 2 capsules after breakfast and dinner. Precautions: - Not for women under 20 years old. - Women with developing cyst at the ovary, breast, and uterus. - Pregnant women and breast feeking mother should avoid taking this product. - Women who are taking birth control pill should not take this product. http:// phuketherb. com



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Top 7 finder s fees tips

Consider the lucrative opportunity open to you in earning finder's fees. A finder is someone who finds something for a person or business. The amount paid for this service is called a finder's fee. Here are seven tips to help you make your fortune in finder's fees. 1. A finder simply introduces a buyer to a seller for a fee. He does not become involved in the sales process and is not an agent acting on behalf of the seller. 2. The best areas to earn finder's fees are those in which you already have expertise and interest. For example, if you are an expert on airplanes and have connections in the aviation industry, you could earn finder's fees finding suitable planes for those needing them. 3. Protect yourself with written contracts. Also, document all efforts you have made to earn your finder's fee. 4. You can earn finder's fees in many areas including equipment (used or new), equipment leasing, finding locations for franchises or vending, scarce materials, commodities, financing, et cetera. 5. Connections are the inventory of a finder. You are being paid to find something of value by someone who doesn't know where (or doesn't have the time) to find it. Your knowledge of where and who to get something from is invaluable information that people are willing to pay for. 6. Just as the business that sells something pays its sales staff, likewise the seller generally pays the finder's fee. The seller is the one that makes a profit from the sale and so usually is the one that pays commissions or finder's fees. 7. It is possible to find finder's fees opportunities offered in magazines, newspapers, and newsletters. You can find additional opportunities by doing your own research. Use your contacts, reference and phone books at the library, the Internet, persons you know (or don't know) who might have the information you need, as well as other sources to find what is needed.



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Don t use ffa s to build your newsletter subscriber

For those of you who aren't familiar with the term, The initials FFA stand for "FREE For All" and my advice would be don't waste your time! FFA's DON'T WORK! FFA sites are directories where anyone can place their ad for free. And that's exactly what you get--a zillion people posting free ads. When you post your ad on an FFA directory or site, here's what will happen. You'll immediately get back in response to your ad a truckload of autoresponder e-mails from every Tom, Dick and Harriet soliciting you to join their programs. Hardly anyone ever actually reads your ad. FFA's will produce next to zero new subscribers to your newsletter. Here are some suggestions to help you build your newsletter subscriber list: 1. Put a subscriber box on your web site. People can easily enter their email address and send it to you. A percentage of people who visit your web site will sign up for your newsletter. Just don't scare them off by asking for a lot of personal information. Put their minds at ease by promising not to share their e-mail address with anyone else. 2. Announce your newsletter in the e-zine announcement directories. There are several sites with searchable catalogues of ezines. These sites get lots of visitors and are a surefire way to find hundreds of new subscribers. Here are a few to get you started: http:// ezine-universe. com http:// escribe. com http:// ezine-marketing. com 3. Trade ads with other e-zines. Find newsletters that focus on topics similar to yours. They'll run your ad in exchange for you running theirs. 4. Consider emailing a press release to the media. Your release should announce your newsletter and explain what's interesting or helpful about your newsletter. There are a number of press release services that will email your release. Here are just a few: http:// ereleases. com http:// majon. com http:// majornewswire. com http://submitexpress. com Whatever you do, DON'T add people to your newsletter list who haven't asked to be on it. The spam gods will come down on you like a ton of bricks! That's why many newsletter publishers insist on double opt-in. What's double opt-in? Double opt-in is your protection against the sending of unsolicited email. For example, after visitors register at your site, they will receive a confirmation email. By replying to the confirmation email, your visitors have "double opted-in" which means that: 1. They are the owners of their email addresses 2. The address is working 3. They indeed want to subscribe Usually the confirmation action is as simple as replying to the confirmation request or clicking on a link.



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Paying your credit card on time

One of the most common ways to get a penalty charge from your credit card company is if you fail to pay your credit card monthly statement on time. Therefore, if you are finding that you are being charged with a lot of penalty charges on your card or cards, one of the first things you will need to start doing is making sure your card statement is paid on time each month. Some people are naturally more organised than others. This will never change. Some of us are able to say with safety that every month we sit down with our checkbook and balance it, pay all our bills, write all the checks and have everything in order. Others of us however, are a little more haphazard than this. We pay bills as they arrive, or put them somewhere we feel they are safe and hope we don’t forget about them, like on the kitchen fridge, and then when we get a chance or feel in the mood, we pay the bill off. One of the best ways to pay your credit card bill, and one of the surest ways to make sure you are no longer slapped with unwelcome late fees and charges, is to arrange with your bank to have the bill payed automatically each month by direct debit or standing order. This way you can be sure that the bill will always be paid. Of course, what you will have to do is make sure that you have enough money in your bank account each months so that your bank does not allow the credit card company to leave you high and dry with out enough money to pay off all your other bills. What’s worse, what actually could happen is that the credit card bill is for even more than you have available in your account so that your account becomes over drawn and your bank charges you a penalty for this. If you are not confident that you will have enough money in your bank account each month to pay the entire bill in full, another option is to instruct the credit card company that you only wish to pay the minimum amount each month. While this means that you are more likely to have enough funds in your account to cover the payment, it also means that you will pay a lot of interest on your balance and it will take a very long time to clear your debt. Probably the best compromise is to pay a set amount each month that, while more than the minimum payment, is still not so high that you will be left short for your other payments.



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Historical development of electronic commerce

The meaning of the term "electronic commerce" has changed over time. Originally, "electronic commerce" meant the facilitation of commercial transactions electronically, usually using technology like Electronic Data Interchange (EDI, introduced in the late 1970s) to send commercial documents like purchase orders or invoices electronically. Later it came to include activities more precisely termed "Web commerce" -- the purchase of goods and services over the World Wide Web via secure servers (note HTTPS, a special server protocol which encrypts confidential ordering data for customer protection) with e-shopping carts and with electronic pay services, like credit card payment authorizations. When the Web first became well-known among the general public in 1994, many journalists and pundits forecast that e-commerce would soon become a major economic sector. However, it took about four years for security protocols (like HTTPS) to become sufficiently developed and widely deployed (during the browser wars of this period). Subsequently, between 1998 and 2000, a substantial number of businesses in the United States and Western Europe developed rudimentary Web sites. Although a large number of "pure e-commerce" companies disappeared during the dot-com collapse in 2000 and 2001, many "brick-and-mortar" retailers recognized that such companies had identified valuable niche markets and began to add e-commerce capabilities to their Web sites. For example, after the collapse of online grocer Webvan, two traditional supermarket chains, Albertsons and Safeway, both started e-commerce subsidiaries through which consumers could order groceries online. As of 2005, e-commerce has become well-established in major cities across much of North America, Western Europe, and certain East Asian countries like South Korea.

However, e-commerce is still emerging slowly in some industrialized countries, and is practically nonexistent in many Third World countries. Electronic commerce has unlimited potential for both developed and developing nations, offering lucrative profits in a highly unregulated environment.



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Coping with test and academic anxiety

Today is the day for an important examination. Your skills at taking this test will help determine how well you do. Academic anxiety can be a significant problem affecting many dissertation students. Many students may have physiological responses such as a rapid heartbeat, elevated blood pressure and shallow breathing. The body prepares itself to deal with stress by reacting in predictable ways. Behavioral patterns may affect your performance as well so you can focus on the task at hand. If so, there are effective techniques that can help you. First, it is important not to underestimate your coping skills. Developing a calming self dialogue is helpful. Watching your self talk is critical. The next time you find yourself listening to that discouraging voice that is blinking like a neon sign in your head stand up to it! Think of yourself as a close friend. The more you imagine the best the better your life will be. Having determined your ultimate mission of having academic success is non-negotiable. This means that in spite of difficult times you remain committed to obtaining your advanced degree. Be ready to adapt. The negative thoughts may be habitual and it is important that you develop strategic coping thoughts to keep firmly in your mind. An example could be, “I can do this, I have done well before on other tests”. Remember to relax by seeing yourself truthfully and that includes acknowledging and affirming your strong qualities. Rejoice in your academic gifts and your uniqueness. You are in control and need to trust in your talent and your experiences. Remember what your personal motives are for getting your degree. Identifying the behavior that you want to change is critical. Describe on paper the behavior you want to change. Develop specific separate steps that can be taken to ease your anxiety. You have the power to control your stress responses. How you feel about yourself going into a test situation can affect your future! It now becomes important to visualize your desired results. Do not let the face of fear define you. It is important to remember that fear is irrational. It is not based on reality. It becomes crucial to trust yourself and have courage. Do not let the fears keep you from doing your best and be there for yourself when the times are difficult. The what-ifs are the children of fear. They almost always never come true. They are a way of trying to control an unknown future. Focusing on what is rather than what if will keep you focused on the here and how. Make a true commitment to change the way you react to performance anxiety and test taking. You have within you enormous untapped resources of talent and ability. Illuminate the road of your personal journey toward obtaining your advanced degree. Coping With Test and Academic Anxiety Today is the day for an important examination. Your skills at taking this test will help determine how well you do. Academic anxiety can be a significant problem affecting many dissertation students. Many students may have physiological responses such as a rapid heartbeat, elevated blood pressure and shallow breathing. The body prepares itself to deal with stress by reacting in predictable ways. Behavioral patterns may affect your performance as well so you can focus on the task at hand. If so, there are effective techniques that can help you. First, it is important not to underestimate your coping skills. Developing a calming self dialogue is helpful. Watching your self talk is critical. The next time you find yourself listening to that discouraging voice that is blinking like a neon sign in your head stand up to it! Think of yourself as a close friend. The more you imagine the best the better your life will be. Having determined your ultimate mission of having academic success is non-negotiable. This means that in spite of difficult times you remain committed to obtaining your advanced degree. Be ready to adapt. The negative thoughts may be habitual and it is important that you develop strategic coping thoughts to keep firmly in your mind. An example could be, “I can do this, I have done well before on other tests”. Remember to relax by seeing yourself truthfully and that includes acknowledging and affirming your strong qualities. Rejoice in your academic gifts and your uniqueness. You are in control and need to trust in your talent and your experiences. Remember what your personal motives are for getting your degree. Identifying the behavior that you want to change is critical. Describe on paper the behavior you want to change. Develop specific separate steps that can be taken to ease your anxiety. You have the power to control your stress responses. How you feel about yourself going into a test situation can affect your future! It now becomes important to visualize your desired results. Do not let the face of fear define you. It is important to remember that fear is irrational. It is not based on reality. It becomes crucial to trust yourself and have courage. Do not let the fears keep you from doing your best and be there for yourself when the times are difficult. The what-ifs are the children of fear. They almost always never come true. They are a way of trying to control an unknown future. Focusing on what is rather than what if will keep you focused on the here and how. Make a true commitment to change the way you react to performance anxiety and test taking. You have within you enormous untapped resources of talent and ability. Illuminate the road of your personal journey toward obtaining your advanced degree.



Online Coping with test and academic anxiety

Do you visualize whilst you are doing breathing exercises

Q. I find breathing exercises very boring is there anything I can do to make less boring? Have you ever used visualization when you are doing your breathing exercises, a lot of people think that breathing exercises are only a manner of sitting down and concentrating as they inhale exhale, which to the outsider can seem as being very boring and monotonous but here's a few things you can try out the next time, try… • concentrating on a particular colour on inhalation and another colour on exhalation (for example some colour you link with calmness or purity, and another colour for stress or impurity) • having a picture in your mind of your body and as you breathe in, think of all the extra parts of your lungs that have been under used because of bad breathing habits. • Taking a breath and picturing the air coming into your body from different areas (such as the soles of the feet for example.) It can especially seem complicated for beginners when starting out to do breathing exercises as you can’t see the muscles that they are working on but by visualizing their lungs in action in their mind it makes it all the easier to do…and remember when you’re doing your breathing exercises you're not really learning anything new but undoing all the bad habits you've picked up over the years.



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Forex explained in detail

Forex Explained In Detail Forex (also known as Foreign Exchange or FX) is a trade between currencies of the world. Like other type of trade, Forex also has its own market. The foreign exchange market enables companies, banks and other financial institutions to buy and sell foreign currencies, sometimes in large amounts. Since foreign exchange is conducted on every part of the world, the market is open for 24 hours a day, seven days a week. The motivations behind this demand for foreign currency is that it includes capital flows arising from trade in goods and services, cross-border investment and loans and assumption on the future level of exchange rates. Forex market is the largest market in the world and also the fastest. The sums of money involved are very large with transactions that can last for one or two days only. The following are the major traded currency in the market: US Dollar (USD) Japanese Yen (JPY) Euro (EUR) Canadian Dollar (CAD) Australian Dollar (AUD) Swiss Franc (CHF) British Pound (G&P) Generally, there are three types of participants in the forex market: • Customers • Banks • Brokers Customers, such as multinational corporations, participate in the forex market because they require foreign currency for their trade in other countries. Like for example; an engineering firm based in the UK needs to use forex market to buy the currency they need to pay their counterpart firm in another country that sells heavy equipments. Banks is the most active participants in the forex market. They deal with other financial institutions who call them to ask for their foreign exchange rates and may buy them the currency they need in the forex market. The brokers act as intermediaries between the banks. Forex brokers are companies with computer software links or telephone lines to banks throughout the world. It is the job of a forex broker to know what banks has the highest buying rate for a currency and what banks has the lowest selling rate for a currency. By using a broker it is possible for banks to find the best deal available in the world. Forex broker companies do not deal with its own money but only charges a commission for their services. Unlike other financial markets, the foreign exchange market has no single location. Forex is not dealt across a market trading floor but instead, it is dealt via telephone and computer links between dealers in different financial institutions in different continents. Trading in this market is very risky and should not be attempted by a beginner without the help of a seasoned forex trader. If you are planning to enter the forex market, it is recommended that you should first learn about the forex market and how it works. In this type of market, you can easily gain profit and you can easily lose money. Forex trading is unpredictable and can make you lose large sums of money. Taking a class that offers forex trading course is recommended so you can understand more about this market and learn about how you can minimize lose and maximize profit. Forex market is very unpredictable, one minute the current value of a certain currency is high then the next minute would be very low. Forex can be a very lucrative source of income but complicated. Word count 553



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Does the world need more cats

Aren’t they cute? Yes, they are! A nest of meowing and crawling little kittens leaves only the fiercest cat hater indifferent. But does the world need more cats? A cat is the second most popular pet in the world. People love them for all kinds of reasons. Cats are social, but still have a will of their own. They have sweet faces and love to be hugged, but at the same time they are predators that don’t mind about killing a bird. In short, cats are fascinating animals.

The world would be a boring place without them. Fact: the world needs cats. But how many? According to recent figures, in the US alone over two million cats are being put to death each year in animal shelters because there are no homes for them. That’s shocking. And you can’t blame the animal shelters for that. They do their best, within the limits of their budget. There are just not enough people that want to take care of these cats. So if you have a pet cat, there is no need for you to breed.

Don’t worry, cats will never become scarce. Professional breeders will always be happy to meet the needs of real cat lovers. Fact: the world does not need MORE cats. But how can you prevent new litters? Simple.

Get your cat castrated or spayed. The answer may seem obvious, but still many people don’t have their pet neutered. Some believe it is too expensive, or they think it will harm their cat. Or people just don’t know how easy cats make babies. But neutering is not as expensive as raising kittens. And although it may change your cat’s behavior a little, there is no real harm done.

Cats will only become more loving. Fact: neutering is the solution. But what if your cat gets pregnant before getting spayed? It happens. You left the door open for a minute, Molly went out, met Tom and returned with 65 days of cat gestation ahead. Now you have a responsible task. Take care of your pregnant queen as good as you can. Get the right advice about what to expect the coming months. Love your kittens.

Make sure they get a good home once they are old enough. Because a nest of meowing and crawling little kittens leaves only the fiercest cat hater indifferent.



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A debt consolidation loan help get your finances back on track

Recent studies have shown that an average individual in a developed country spends almost forty per cent of his or her monthly salary before earning it. Today’s society runs on credit and with loans being easily available for the fulfillment of each and every desire, be it owning a new car or going on a holiday, we can easily be labeled a credit dependent society. However, a major downside to this credit trend that we are living with is that more and more people are finding it difficult to manage their numerous loans and landing themselves into bad credit situations. While some people actually end up in bad credit situations because of over spending and mismanagement, the majority of people who are finding it difficult to pay back their loans on time are those who have been faced with sudden job losses, illnesses, transfers or accidents. If you are also on the verge of getting into a bad credit situation or are already knee deep in loans that you are finding hard to pay back, then you should avail the help of a debt consolidation service as soon as possible. Many financial institutions offer debt consolidation services to people who want to make their debts more manageable. A debt consolidation firm can be of great help to people who cannot pay back their numerous debts on time and are being forced to pay back even higher amounts as a result of increasing APRs and late fees. A debt consolidation service will pay off all your outstanding debts and consolidate the amount into a single loan which you will be required to pay back. So a debt consolidation loan will be the sum of all your debts put together. However, taking a debt consolidation loan is a better option than paying many separate loans with different terms of payments and different rates of interest.

This is because companies offering debt consolidation loans will provide you with better rates of interest (much cheaper than what you were paying earlier) and more flexible terms of repayment. Apart from having to pay lesser amounts, a debt consolidation loan is easier to manage than your previous outstanding balances since you only have to make a single payment per month at a constant rate of interest. Based upon your needs and requirements, you can avail different types of debt consolidation loans. The cheapest and the most easy to get debt consolidation loan is the home equity loan where you get the loan after putting your house as collateral. This is also known as a secured debt consolidation loan.

The major disadvantage associated with such loans is that you might end up losing your house if you default on paying back the loan. You can also get an unsecured debt consolidation loan where you do not provide any collateral, but these loans carry a much higher rate of interest than secured loans and also have stricter repayment terms. Many credit card companies also offer balance transfer cards where you can transfer all your outstanding balances to a single credit card which has a very low APR for the first few months.



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Caviar environmentally friendly options and how to serve

Salted roe of sturgeon and other varieties of fish are popularly known as caviar. It is a delicacy used as a spread or garnish and with hors d’oeuvres. Caviar is a deviate of the Persian word Khag-avar which means “the roe generator” referring to roe of the sturgeon. There is good news for environmentally conscious American citizens who also happen to be connoisseurs of caviar. Now new varieties of caviars are available which are produced from paddlefish and sturgeon farmed in the US. They taste good and at the same time are environmentally sustainable. The development of American caviar also addresses the worries of consumers and culinary experts about the decline of sturgeon in the Caspian Sea. Caspian Sea Sturgeon is the major source for the caviar needs of the world. Sturgeons produce the famous beluga. Due to illegal trade, pollution, over fishing and habitat loss, there is a severe down spiral in the population of sturgeon in the Caspian Sea. SeaWeb, Pew Institute for Ocean Science and Natural Resources Defense Council of University of Miami is urging the American consumers to support American caviars as a better alternative and to safeguard the endangered species of the Caspian Sea. The caviars from Missouri and California are prominently supported by consumers, renowned chefs and media organizations. Jacques Pepinand and Rick Moonen who are leading chefs of New York’s Restaurant RM and San Francisco’s Traci des Jardins of Jardiniere removed Caspian Sea caviars from their menu and replaced them with American caviars in an effort to help the environmental groups protecting the Caspian Sea sturgeons. Most of the party givers would like to know how much caviar should be bought for their party. It depends on the number of guests attending the party and how the caviar is going to be served. With every ounce of caviar, you can serve 8 to 10 guests. Quarter teaspoon or less of caviar can be used for garnishing purposes. With caviar on top of an appetizer and to enhance the taste of caviar predominantly, use half a teaspoon. Caviar should not be opened until it is needed. Leftovers should be promptly covered and stored in the fridge to be used within a couple of days. If the taste of the caviar is to be retained, do not freeze it. When you freeze the caviar the roe membrane of the caviar gets toughened and the flavor is altered. If you do freeze it, slowly defrost the frozen caviar in the fridge for at least a day or two before you serve. Caviar should be refrigerated at 28 to 32 degrees by putting the tin in the meat shelf or surrounding the bowl containing caviar with ice.



Online Caviar environmentally friendly options and how to serve

Types of poker games

Poker, looked at simply as a card game rather than a social phenomenon, has three main varieties. “Draw poker” is the simplest version of the game; the more complex “stud poker” was the most popular form for a long time; and “hold ‘em” poker, usually called Texas Hold ‘em, is the version that most casinos and poker rooms offer today. Poker Basics These basic categories have a number of differences, but they also have a number of similarities. To begin with, poker is always played with a standard deck of 52 cards, without the jokers. In many variations of poker, the players pass a “dealer puck” clockwise around the table, so that every player gets a turn as dealer. And in all poker games, the bets are placed with poker chips. All of this is just the bare bones of getting started. As you play the game, you’ll find that, no matter what variety of poker you’re playing, there are other, more important similarities. In poker, whether you are playing a 5 card or 7 card varieties, the point of the game is to form a 5 card combination in your hand that outranks those of the other players. At various points in a hand of poker, you can place bets, receive additional cards, or discard and replace cards. At the end of the hand, the player with the strongest hand wins the money in the pot. All of that is obvious. Most people know that much about poker. But what about the basic rules of the different variations? This is where poker can get confusing. It shouldn’t, though. Let’s take a look at the main varieties of poker. Draw Poker In draw poker, every player is dealt a full hand, face down, at the start of the game. Once you have your hand, make sure that no one else can see it, and take a look at your cards. Use what you see to place your initial bet. After the first round of betting, players can choose to discard and replace some of their hand; this is the “draw.” When the draw is complete, there is a second round of betting, after which the player with the best hand wins the pot. Stud Poker Stud poker is different. In stud games, each player gets one or two “hole cards,” face down, to start, after which the rest of his hand is dealt face up, for everyone to see. The dealing is interspersed with several rounds of betting, giving stud players a chance to watch their opponents, and to study the other hands on the table. After the final card is dealt, the players have the last round of betting and then the “showdown,” to determine the winner. Hold ‘em Poker Hold ‘em poker is similar to the stud games. Seven cards are dealt, with each player getting two hole cards. The remaining five cards, however, are the “flop,” a communal hand in the center of the table. Players must use at least one hole card to form a winning hand with the cards in the flop. Because hold ‘em players form most of their hand from the communal cards, they “know” what most of their opponents “hold.” This gives the players much more of a chance to bluff and strategize during the game. Hold ‘em poker has been called the “thinking man’s poker” because of this. Always learn the rules of the specific poker game before you play. Poker is fun, but it can be hard for a novice to do well. You can find rule books, as well as other poker supplies, online at ShopWorldPoker. com.



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How to play your favorite mah jong games online

Learning how to play your favorite mah jong games online can allow you to play anytime you want. If you want to play in person, you have to find people to play, who know how to play, and who have the time. Playing online allows you to play any time of day you like and to explore your abilities against all sorts of people from all over the world. There are a number of versions of mah jong online that you can play. So you have to decide what you like to play then learn how to play it online.

Online the hundreds of mah jong versions from the world over are represented, which means you can always play what you want when you want. First, if you are in an alone mood there is solitaire mah jong. In this online version of the popular Chinese tile gambling game, the object is to clear the board. Though that is not any different than regular solitaire, in mah jong versions you have to incorporate principals of the game in order to clear the tiles.

You can play alone and you can kill hours doing so. Also, you will strengthen your skills for when you play the regular version of mah jong. When looking at how to play your favorite mah jong games on online, you have to consider the original Chinese version of the game. You can go to a number of websites where you have the opportunity to sit at tables with other players and test your skills. Since there are so many versions of the game out there, you can actually choose what kind of table you sit at usually. You will then be playing with those who enjoy the same version you do. Finally, look for unique versions of the game online as well. When you play online you will find that there are likely versions you have never seen before, learning them and learning the strategies only make you a better player anyway. While you are on the internet playing you may as well consider the chance to widen your mah jong knowledge and abilities. So learn how to play your favorite mah jong games online, but also take the time to explore mah jong options. You will find that it can not only make you a better player, but also make you a better thinker. The game, after all, means game of a thousand intelligences. You can find your favorite mah jong games online by a simple web search. Go to a search engine and search to find the site that works best for you. Find an interface you like, and a version of the game you enjoy. When you play against others from all over you will become better at the game and prepare yourself for the next time you play in real life with your friends. So learn how to play your favorite mah jong games online and you will be better at the game, more entertained, and have a chance to see how others play.



Online How to play your favorite mah jong games online

Eating junk food the hidden price

Get really big Awhy@ reasons that will drag you out of bed in the morning eating healthy. I share this and more with you in my free e-course that this article is a part of. Go to http:// HealthyEatingDiet. com to get the full e-course. Dr. Jamie wants to help give you Permanent Results with his "non-diet." He is also giving you dozens of valuable free gifts to "ethically bribe" you into helping him make his new book, "The Ultimate Non-Diet" a #1 best seller.

For details on the book go to: http:// TheUltimateNonDiet. com/free You probably are very familiar with the benefits you get from NOT eating healthy. You get to eat food that tastes good, you get to be lazy and sit on the couch and veg out and watch TV. You get to not do all the hard work of exercise. There are many other benefits that people get from not eating healthy, and many others that I probably did not list. I am not going to list them all, because you know most of them. I will list the benefits most people do not want to admit, often, even to themselves. There are four main benefits that you probably get from not eating healthy, that you don't want to admit (along with the obvious ones): Avoiding being responsible Getting to be right and making others wrong Dominating others and avoiding domination Justifying yourself and invalidating others. These things are the hidden benefits. I will talk about each of them in more detail, and explain what I mean. You have to dig down and be honest, though. These four things are usually true for everyone, and the point of my sharing them is to make you aware of them, and for you to be honest with yourself about them. Most people do not think of these things as benefits. But if you look at them and are really honest with yourself, you will see the benefit people get from them. People get to avoid being responsible by putting the responsibility on the medical symptoms and disease care system. You live under the illusion that they will create a magic pill or invent some technique or system to make you thin and healthy without you having to do a thing. They are responsible for your health, not you. It is an illusion many of us believe. Because then we get to avoid being responsible for our own health and eat anything we want. We get to do what we want, and then blame all of our symptoms on someone else. You get to be right and do exactly what you want. You don't have to listen to all those doctors, all those people, especially that annoying Ahealth freak@ in your family. Every family usually has one. You get to be right about being able to do what you want. You get to make them wrong. And don't we all enjoy making someone we don't like so very wrong? We all want to be right and I can prove it. Have you every seen someone try and prove themselves wrong? Argue that they are not right? People love to be right and that includes being right with being able to eat whatever they want for whatever reasons they want. You get to dominate others, and avoid others' dominating you. You do not have to do what they say. You can do what you want. You can probably even control people and make them angry by doing things your way, by doing what you want. You get to justify yourself and invalidate others. You get proof for yourself that what you are doing is right. You get evidence that the way you are doing it is right. You get to make sure that other people's way of thinking is wrong, and make sure they know you know they are wrong. These are the hidden benefits that many people get for not eating healthy. Benefits that, if you are honest with yourself, you like getting as well. What I am also going to point out is the not-so-obvious cost of not being healthy. There are benefits to eating junk food. But, as you know, nothing in life is free. If there is a benefit, there is a cost. What most people do not see is the cost, the price you have to pay for the benefits you are getting. There are also tons and tons of hidden costs that most people never see. I will list some of the biggest ones. This is the price you have to pay for eating junk food: Vitality An abundance of energy to do everything you want to do Happiness Love and closeness with others Satisfaction and fulfillment in life Healing symptoms and disease Symptoms and disease going away, Relief from the suffering that goes with the symptoms and disease Inner peace and harmony Being symptom and disease-free Mental focus, memory, and clarity (no brain fog) Being awake and fully alive every day (not just dragging through stuff and surviving) Being present and having the ability to be with people No worry or fear Being confident in yourself Being complete and happy The ability to deal with issues that arise, simply and with ease Having better health now, with security for yourself and your family later More time to do what you want to do Simpler choices Looking great, feeling good, reducing fat, and having tons of energy Being satisfied and Not being hungry all the time The list goes on and on, but these are some of the big ones. These are all things you do NOT get if you avoid eating healthy. It is the price you have to pay to not eat healthy.



Online Eating junk food the hidden price

A visualization exercise on managing expectations for adults with add

As adults with Attention Deficit Disorder (ADD), we often find ourselves excited by new ideas and plans, but overwhelmed by what it will take to reach the goals. Many of my coaching clients find themselves in this situation. They make a decision to make a change - a big change. Sometimes it's about moving up in the world, like finding a new and better home. Sometimes the change is about pursing a dream, like taking a passion for art and turning it into a career.

And sometimes the change involves a mental shift to become a better person, like learning to overcome anger. No matter what big and exciting change is on the horizon, we can sometimes find that our impulsivity has us not only wanting - but expecting - the change to happen much quicker than is actually possibly. We have unrealistic expectations of what we are able to accomplish when. When this happens, disappointment, lack of motivation, and even feelings of failure, are quite common. When one of my clients finds them self in a situation like this, I take them through a visualization exercise that I call "The Temple." The following directions will allow you to use this exercise in your own life. The Temple: A Visualization Exercise Step 1: Pick the Goal Pick a goal that you are excited about - a change you really want to make. Step 2: Relax Sit back, relax, and close your eyes. Focus on your breath going in and out, and allow worries and concerns to be breathed away...just for a little bit. Step 3: Visualize a Temple Create - in your mind - the vision of a beautiful, peaceful temple. It is your temple, and it can be anywhere. It can look any way you like. Get a very vivid image of this temple in your mind. The temple is your goal. When you reach your goal, you will reach your temple. Connect with your goal. What will it feel like when you reach that goal? Think of the emotions you will experience. Think about what it will feel like to be in that temple. Step 4: Visualize Your Steps Now imagine that your temple is being raised into the sky. As your temple rises, stairs appear. The stairs to your temple are steps to your goal. Ask yourself, what are the steps that I need to climb in order to reach my goal? What has to happen in order for me to reach that goal? Are there any steps on the way to your goal that you have already achieved? If so, visualize yourself climbing the stairs to your temple. Step 5: Check-in With Yourself Do this exercise on a regular basis. Each time you take a step towards your goal, visualize yourself climbing a stair to your temple. Understand that some steps will be easy to climb, and some will be a little harder and will take more time. Even though it may seem like you've been working a long time and not getting anywhere on your goal, don't lose sight of the fact that if you are climbing the stairs, then you are making progress. When you get impatient and frustrated about your progress, remember that life in itself is a journey. Growth and personal progress don't happen in the temple, they happen on the way to the temple.



Online A visualization exercise on managing expectations for adults with add

History of embroidery

Embroidery is an age old art form that has decorated clothing, bedding, and household goods for hundreds of years. Using colored threads to create patterns has dated back to the time of ancient Egypt, when women sewed metallic threads into clothing for decoration. The trend caught on with Babylonians, Phoenicians, and Hebrews, who all began incorporating embroidered pieces into their clothing. The oldest embroidered piece in existence is the world famous Bayeux Tapestry, dating from approximately 1066. Although the piece is called a tapestry, it is actually as embroidered composition reaching an astounding 231 feet long. Recalling the Battle of Hastings, the piece still hangs in the town of Bayeux in the province of Normandy in France. This beautiful embroidered piece is though to have been created by over 100 noble women in the town and is speculated to take several years to complete. European embroidery changed a great deal over the years, but became a highlight of fashion during the 18th Century in France. These elaborate embroidery designs—often made with metallic and silk threads—decorated everything from women’s dresses to men’s breeches. This style soon caught on in popularity with the rest of the continent and soon men, women, and children were wearing heavily embroidered fashion.

The decoration also served as a symbol of status and wealth in addition to simply adding glitz and glamour to the garments. Embroidery continued in popularity and soon became a right of passage for girls to be taught by their mothers the time tested stitches and often completed a lovely sampler to showcase the different stitches and techniques. These samplers were passed down for generations and have been sold at auction for phenomenal amounts. Another popular use of embroidery was to dress up homely clothing. Often, homespun cloth or poor quality purchased cloth was the most a family could afford to outfit the members, so the matron of the house embroidered the clothing to make the outfits look fancier. The end of the 19th Century saw founding of embroidery shops where scores of women completed the delicate stitches by hand. The year 1880 saw the advent of the first embroidery machine, which further mechanized the embroidery shops and produced even more products. Switzerland soon became the forerunner in embroidery designs and technology, with the United States in second, as shops popped up in New York City and Chicago. Although the times have changed, the embroidery stitches and techniques have remained the same.

Technology has greatly advanced and left the 1880s embroidery machine in the dust. Today’s machines can replicate thousands of pattern by just a simple push of a button.



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Diy plumbing repairs you have homeowners insurance use it

Since most home owners insurance policies don't cover the cost of repairs few people think to check with them when plumbing problems occur. Although they may not cover the repair, they will usually cover the value of damaged property including cleaning up after the repair. The scope of this type of project is typically not a diy plumbing repair project so you will want to find any way you can to help pay for it. A few years ago I had the misfortune of finding water seeping through a wall in my basement one spring. First this was blamed on a very wet season. Next, when dry weather came around and the leak was still there a basement waterproofing contractor was called in. It was no suprise when this contractor informed me that I had ground water and needed their expensive services. Since the company had a vested interest in me believing this they did not seem to feel the need to offer any other possible explanation. Based on the fact that the remaining 95% of the basement walls had no such problem a third opinion was in order. Based on the proximity of the leak to the primary kitchen drain pipes a third contractor was called. After a short examination, the plumbing contractor was able to determine that the kitchen drain pipe was leaking (not where we could access it easily of course but behind a cinder block wall under a concrete slab). The plumbing contractor then made an unexpected suggestion - call my insurance company before starting the repair. That was when he explained that the company would not pay for the repair, but they would pay for the cost of jack hammering up my living room, hall, and/or office floor to find the leak and cleaning up afterwards. He was also able to suggest an alternative solution that was cleaner and much less expensive and present it to the insurance company. Two repair scenarios were proposed. The first project would involved having the plumbing contractor find the leak under the living room slab, repair the drain pipe, and then replace the concrete and flooring to clean up after the project. As would be expected the estimate for this repair was on the high side ($4000+ by the time all the cleanup work would have been completed). The second repair was considerably less intrusive - they would cap off the existing drain line (kitchen only) and re-route it through the joist's in the basement and re-connect it to the main line outside the house. The only "heavy" work in this proposal was cutting a 6 inch hole in the exterior wall and digging a trench to run the new pipe to be reconnected. The remainder of the work amounted to a fairly simple plumbing repair. The net cost for this repair was about half the first proposal With both of these proposals on hand, the insurance company had no problem in justifying payment for the FULL SECOND OPTION (less deductable of course). The insurance company saved money, the home owner saved money, and the repair was accomplished within 2 days with a minimum of cleanup required. This entire project demonstrated the value of a good plumbing contractor. They were able to quickly identify the problem, propose multiple solutions, and help justify the payment by the insurance company. This repair also demonstrated the value of a insurance company. The insurance company was willing to accept and pay for an alternative solution as well as inform the home owner of all the expenses that should be recorded for reimbursement.



Online Diy plumbing repairs you have homeowners insurance use it

Taking care of futon frames furniture and mattresses

So you have bought a futon as a second bed, just in case you have visitors from another town. You not only use the futon as a bed for a guest, but also as a sofa during the day. How would you go about caring for this piece of furniture? How you look after your futon frame and other furniture depends on whether the frame is made of hardwood or metal. In case it is made of hardwood, you would dust it, remove the mattress, and polish it with furniture polish at timely intervals. You would ensure that no one scratches the wood frame.

If the futon frame is a platform bed, then you would ensure that the headboard is free of scratches. Check that your futon or platform bed is free of termites and other pests, because these could damage the wood. If you are using a futon bunk bed made of metal, then you would have to check for rust and get the frame freshly painted every couple of years. When caring for mattresses, cushions and comforters, you can do no better than the Japanese and see that these are aired during the summer. Find out if you can use the terrace in your apartment house, if you don't have a balcony. You can also get two sets of futon, comforter, and cushion covers made, along with window treatments, for the spring-summer and autumn-winter seasons. You can have one set dry cleaned while you use the second. As for furniture, such as tables, you will need to use coasters while serving tea or coffee, and table stands, while serving hot or cold meals. The aim is to avoid damaging the wood by placing excessively hot or excessively cold items on the surface.

You will also check your furniture for pests of all kinds and polish it at regular intervals. When using screens, you need to take care of the frame and the body of the screen as well. The frame and the body could be made of wood, in which case you need to dust and polish on a regular basis. Else the frame could be wooden and the rest of the screen could consist of canvas or plastic panels that depict a scene of some kind. In this case, you would dust and polish the frame and ensure that the body of the screen is not torn or damaged. For more details, visit ellensfuton.

com.



Online Taking care of futon frames furniture and mattresses