Is your money keeping up with inflation

In today’s unpredictable global economy, you obviously never know what is going to happen next. Uncertainties and concerns regarding the Iraqi threat, North Korean crisis, and hidden terrorist cells and networks continue to loom in the back of the minds of consumers. Moreover, the stock markets and industries around the world. Price inflation is another major concern for everyone. The latest Consumer Price Index (CPI) number released by the U. S. Department of Labor’s Bureau of Labor Statistics states that prices, in all U. S. cities, are up 0.1% in the month of December for the calendar year of 2002. The Consumer Price Index (CPI) is a program that produces monthly data on changes in the prices paid by urban consumers for a representative basket of goods and services. Furthermore, the national unemployment rate continues to remain steady at 6.0% for the month of December 2002. Believe it or not, this may not be as bad as it sounds.

Economic theory suggests that an increase in the inflation rate will lead to a decrease in the national unemployment rate. But since the unemployment rate is currently 6.0%, this may also suggest that in order for this rate to eventually decrease, we should expect more inflation in the future. The recent upsurge in oil prices together with precious metals supports this theory and may also be a hint of what’s to come. Well, it seems that you probably can’t avoid inflation, but there are definitely opportunities that you can take advantage of, in order to keep up with it. One option might be to consider depositing your money into a savings account rather than a money market account. Most major banks are currently yielding an Annual Percentage Yield (APY) that ranges from 0.5% to 0.75%. Even though this is pretty low, it is higher than what most money market accounts are currently offering.

One of the best rates that I have recently seen is ING Direct’s offering of 2.25% APY for their Orange Savings Account. But if these rates are not what you are looking for, consider investing in the stock market. With the latest downturn in the economy, shares are pretty cheap and going fast. There are now many online brokerages that allow consumers to purchase stocks for a small fee. For instance, Sharebuilder lets consumers invest for as little as $4. However, please be wary, this investment option is a greater risk so you should consult with a financial advisor before taking this step. Whether you choose to put your money in these investment opportunities or not, it is up to you. But just remember that if you don’t, you are actually losing money because the “purchasing power” of your dollar is decreasing as the inflation rate is increasing.

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4 customer service mistakes companies should avoid making

1) Being placed on hold endlessly. Don't you just love it when you call a company and they place you on hold, leaving you to listen to their latest on-hold, recorded sales pitch, over and over again. Would you think it normal business practice for a retail store clerk to ask you to "wait a minute" while they disappeared into the back of the store for ten, fifteen, thirty minutes or longer? People do things over the phone that they would never do in person. It's bad business either way to leave a customer hanging without at least coming back to let the customer know how much longer they'll be holding. 2) Getting rude with a customer. As the saying goes, even if the customer's wrong, the customer's always right. There's never any reason to get rude with a customer. If a customer gets rude with you, let them blow off steam and remember that their behavior is not an attack directed against you personally. Always keep in mind that as long as you remain calm and in control, you can address the reason behind the customer's anger. 3) Ignoring a problem. Ignoring a customer's problem won't make it go away. The same can be said of fixes that work for the company but not for the customer. Some customers have problems with a service or product that don't fit comfortably into any category. Those are the problems that need special attention, not standard responses. Too many companies ignore this and try to use the "one size fits all" method of complaint resolution. Companies have to realize that their policy must fit the customer's needs, not the other way around. 4) Making the customer jump through hoops for a refund or exchange. I recently had to return a product to a national bookstore chain. Before the clerk refunded me, she asked me for all sorts of personal information. I refused to give this information. I explained that I hadn't given this information out when I made the original purchase, and didn't see the purpose in giving it out to get my money refunded. After 15 minutes and a visit from the store manager, they finally relented and gave me my refund. The time spent waiting in line, plus the time spent to get my refund, added up to 20 minutes. This company wasted 20 minutes of a customer's time, all in the effort to get information. If you have to disregard your customer's time in order to gather a marketing profile, you're defeating your long-term marketing goal, which is to retain a satisfied customer base that makes repeat purchases.

Online 4 customer service mistakes companies should avoid making

How to quickly fix your bad credit

: Our credit history makes a great impact on our lives, beyond what may appear on the surface. For example, a good credit history will help us to easily obtain loans for a car, a house or other large items with lower interest rates; beside that, a good credit history also help us to obtain more attractive interest rates for our credit card accounts. Many of us may not know that many companies check their job applicants' credit history to determine their financial responsibility. So, if you have a good credit history, you will have a better chance to land on the job of your dream. Now you know how important your credit history is and it is important maintain it. Your credit history will suffered every time you delinquent your payment on your credit card or loan installments. In some cases, the situation can get worse to the point where repair is almost impossible. Having a bad credit history definitely will not be a good experience when come to the loan application, but luckily if you are in bad credit situation, with some effort, you actually can turn it around. How quickly it takes to fix a bad credit score will depend on you. Your credit history can not be cleaned up overnight.

It takes patience, discipline and some strategies to put in place to rebuild the good credit records. Here are some tips to quickly fix your bad credit: 1. Create a realistic budget The first thing that you need to do is to budget your spending. With a budget in place, you know where your cash flow. Allow some funds for non-necessities, but keep this amount down for the time being. This way, you make sure that your needs are covered, and you won't feel like you are sacrificing your fun. This kind of budget is easier to stick to than the punitive kind that only allows expenditures on requirements and loan payments. 2. You must cut your spending Many who try to fix their bad credit failed at this stage because this simple task is always the hardest to implement by most people due to the incurable spending habit. The first thing to change is your spending habit; try to reduce the unwanted impulse purchases first (sometimes it hard to cut it totally) and then eliminate it totally; plan what your want to buy and buy things which are in your budget plan.

3. Have fund in your bank account Open a bank account and keep funds in it at all times; most banks report to the credit bureaus; this will help build a good credit rating. 4. Get your debt under control Keep payments current and whenever possible make extra payments on your debt. This will dramatically improve your credit rating over time. 5. Keep your credit account open Don't close accounts even you have paid them off; let them stay open but don't use them. This improves your credit to debt ratio and is one of the fastest ways to rebuild your credit rating and FICO score. This tip is the most important factor to quickly fix bad credit. The bottom line If you are already in the bad credit situation, fixing it won't be easy.

But this is the only way to go. Patience & discipline are the key factors to determine the success of turning your credit history and rebuild your credit record.

Online How to quickly fix your bad credit

Ever have a problem with your credit card company

What happens if you complain, but you are found to be wrong? You need to know what your rights are. What if... ...the bill is incorrect? If your bill contains an error, the creditor must explain to you - in writing - the corrections that will be made to your account. In addition to crediting your account, the creditor must remove all finance charges, late fees or other charges related to the error. If the creditor determines that you owe a portion of the disputed amount, you must get a written explanation. You may request copies of documents proving you owe the money. ...the bill is correct? If the creditor's investigation determines the bill is correct, you must be told promptly and in writing how much you owe and why. You may ask for copies of relevant documents. At this point, you'll owe the disputed amount, plus any finance charges that accumulated while the amount was in dispute. You also may have to pay the minimum amount you missed paying because of the dispute. If you disagree with the results of the investigation, you may write to the creditor, but you must act within 10 days after receiving the explanation, and you may indicate that you refuse to pay the disputed amount. At this point, the creditor may begin collection procedures. However, if the creditor reports you to a credit bureau as delinquent, the report also must state that you don't think you owe the money. The creditor must tell you who gets these reports. ...the creditor fails to follow the procedure? Any creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges, up to $50, even if the bill turns out to be correct. For example, if a creditor acknowledges your complaint in 45 days - 15 days too late - or takes more than two billing cycles to resolve a dispute, the penalty applies. The penalty also applies if a creditor threatens to report - or improperly reports - your failure to pay to anyone during the dispute period. An important caveat Disputes about the quality of goods and services are not "billing errors," so the dispute procedure does not apply. However, if you buy unsatisfactory goods or services with a credit or charge card, you can take the same legal actions against the card issuer as you can take under state law against the seller. To take advantage of this protection regarding the quality of goods or services, you must: - have made the purchase (it must be for more than $50) in your home state or within 100 miles of your current billing address; - make a good faith effort to resolve the dispute with the seller first. The dollar and distance limitations don't apply if the seller also is the card issuer - or if a special business relationship exists between the seller and the card issuer. Other billing rights Businesses that offer "open end" credit also must: - give you a written notice when you open a new account - and at certain other times - that describes your right to dispute billing errors; - provide a statement for each billing period in which you owe - or they owe you - more than one dollar; - send your bill at least 14 days before the payment is due - if you have a period within which to pay the bill without incurring additional charges; - credit all payments to your account on the date they're received, unless no extra charges would result if they failed to do so. Creditors are permitted to set some reasonable rules for making payments, say setting a reasonable deadline for payment to be received to be credited on the same date; and - promptly credit or refund overpayments and other amounts owed to your account. This applies to instances where your account is owed more than one dollar. Your account must be credited promptly with the amount owed. If you prefer a refund, it must be sent within seven business days after the creditor receives your written request. The creditor must also make a good faith effort to refund a credit balance that has remained on your account for more than six months. Suing the creditor You can sue a creditor who violates the FCBA. If you win, you may be awarded damages, plus twice the amount of any finance charge - as long as it's between $100 and $1,000. The court also may order the creditor to pay your attorney's fees and costs. If possible, hire a lawyer who is willing to accept the amount awarded to you by the court as the entire fee for representing you. Some lawyers may not take your case unless you agree to pay their fee - win or lose - or add to the court-awarded amount if they think it's too low.

Online Ever have a problem with your credit card company

To get the best rate be sure to check out free debt consolidation loan quotes

Getting into debt is fun isn’t it? You get to buy all those cool clothes, take your friends out to dinner, do anything you want, after all you’re just going to “put it on your card” -- Spending money is fun and paying with a credit card to just too easy, so easy that before you know it, you’ve buried yourself under a mountain of debt. Once you’ve fallen into the trap of credit card debt, it’s very difficult to get out. Taking out a debt consolidation loan is sometimes the best way to eliminate the burden. There are a few ways that you can get a loan to consolidate your credit card bills but in my opinion the best way is to gather some free debt consolidation loan quotes. There are a number of agencies that will do some of the work for you and help you find the best loan for you. The fastest way to get out of debt is to pay off your existing debt with the lowest interest rate. A debt consolidation loan is the best solution for this. A few minutes of online research will reveal a number of agencies that will give you a free debt consolidation loan quote. Be sure to take all your quotes and compare them side by side to get the best rate and terms. The time you spend researching will be well spent because it can save you thousands of dollars. So what do you want to look for when making your comparison? The first thing is the most obvious; you want to make sure you are getting the lowest interest rate. This rate should be lower than the rate that you are currently paying for your credit cards as this will accelerate the pace that you’ll be able to pay off the debt. The other detail that some people over look is weather the loan is secured or unsecured. Make sure that you are getting a loan that is unsecured. If you have to put your home or automobile up as collateral for your loan, you now have the added stress of worrying about losing your property in addition to paying off the loan. Unsecured loans will generally be at a higher interest than an unsecured one but the lower stress levels may make it worthwhile. Many consolidation loan companies offer online quote applications. You can apply to a number of agencies and then select the best quote. You can apply for a quote on the telephone or they may send you an application for you to fill out and then send it back through the mail or fax. There are also companies that will offer an application online and give you an answer in just a few minutes. Getting a free quote before you decide on a debt consolidation loan is the best way to get yourself out of debt fast. Take advantage of the ability to compare these free quotes choosing the right one will have you back on the road to freedom from debt in no time.

Online To get the best rate be sure to check out free debt consolidation loan quotes

Adult adhd and fear why we procrastinate

One of the things people with Adult ADHD symptoms really struggle with is procrastination. And procrastination really comes out of fear. What kind of fear? There are two main fears people with Adult ADHD symptoms face when they try to start a big project. 1. How do I know I'm choosing the right thing to work on? 2. How do I know I won't fail, especially if I don't know anything about this yet? First of all, you've got to ask yourself, "What am I so afraid of?" Let’s just bring it out into the open. If I pick an opportunity, the fear becomes, "Oh, my gosh. What am I going to miss?" The truth is, the second someone with Adult ADHD focuses on something, you're missing a lot of other things. That’s just the way it works. It’s not about the opportunity. It’s not about which Internet-type thing you should be doing. It’s "why." You've got to ask yourself, "How would this particular opportunity fit in with my larger vision?" Some people with Adult ADHD might not feel like they know exactly what they want to do with their whole lives. And this is where a lot of fear about choosing what to do next comes from. Well, you know what? Whatever you want to do with your life right now, it probably is going to change at some point (especially if you have Adult ADHD). Just because you're going full tilt on something right now doesn't mean you have to do that for the rest of your life. It does mean that, if you're going to spend your time doing something, it should be something you're incredibly passionate about to begin with, something that you'd like to spend all your time on anyway. Most likely, if you have Adult ADHD symptoms, you'll find yourself in the exact same situation at some point in the future. It happens. You work really hard. You go full speed at something, and occasionally, you look up and you say, "What the heck am I doing?" That's ok. At that point, if you really want to, you can shift your focus. No one's stopping you. But don't let that fear stop you from starting. The second fear those with Adult ADHD symptoms feel has to do with how much there is to learn about a subject or skill, and the information overload that occurs so often with Adult ADHD. My experience was, I said, "I'm going to learn this Internet thing. I'm going to go out and I'm going to learn everything that I possibly can," and I didn't realize at the very beginning that there were so many different subspecialties. It’s an entire industry. You could be a specialist in list building, in search engine optimization, in advertising or all these different subspecialties, and you realize that what you're trying to do is go out and learn an entire industry. Of course, it doesn't really work that way. You don't go out one day and say, "Okay, I'm going to be a lawyer," and understand every aspect of law. Even lawyers have to pick a specialty, be it corporate, criminal, bankruptcy or whatever. You don't say, "I'm going to go out and learn everything there is to know about foreign language," right? You pick one. So, if that is true, that brings up another question for people with Adult ADHD symptoms: "What sub-specialty do I pick then? I have to pick one." Again, we're teaching you ways to think with your Adult ADHD brain instead of against it here. As you're thinking about the anxiety of having to pick one area of specialty, for example, to grow your business or to work on in your life, remember that people with Adult ADHD symptoms have something that they use automatically every day they don't usually appreciate, and that is a very highly-developed intuition. Intuition is why people with Adult ADHD make snap decisions all the time. You're really good at it naturally. It’s coming from your gut. But you need a clear head to do it. So if you've got information overload, and you can't decide to focus on one thing, how do you clear your head? What you need to do is this: You need to go on an "unsubscribe" campaign! Start with the information you have coming in on your computer every day. You should continue subscribing to or buying the information from the people that you intuitively know are going to help you with your one main focus. But clear out the rest, so you don't even see it. Let your computer sort it so your head doesn't have to. Do this with other things in your life too. Once you decide what you're main focus is (at least for now)--then "unsubscribe" or disconnect from anything, and anyone, that doesn't contribute to that one goal. Then you can get down to the business of choosing a specialty and learning all about that one thing. You'll be amazed how much more focused you'll be, automatically! To learn more about how to beat procrastination and focus on your goals with Adult ADHD, see below.

Online Adult adhd and fear why we procrastinate

Good distance learning study habits

Learning at home has a great many benefits like the ability to learn whenever and wherever you like. But distance learning is still getting an education and that means paying attention to the course material and presentations you receive online, and also the hard part of studying and doing your homework and assignments. In order to be successful you will have to learn to avoid the day-to day distractions that exist in your current living arrangements and you will also need to develop good distance learning study habits. You need to create a routine and environment that is conducive to learning and the time and space to study and learn. The basics of creating good distance learning study habits start with your physical surroundings. Your study space needs to be well-lit and ventilated and it also needs to be as free as possible from outside distractions like people, telephones, loud music and the greatest distraction of all, television.

You wouldn’t let your kids do their homework in front of the big, blinking screen, so why do you think that you can learn while you are watching your favorite soap opera or reality show? Create a special place in your home for your distance learning study program. It can be your kitchen if that is separate from the rest of your house. It can be your rec room or a newly cleaned storage area. It can also be your living room, as long as you turn off the television. As long as it is clean, uncluttered, and quiet it will work for you and your studies. If you have enough room in your house or apartment then you might wish to consider purchasing a desk and organizing it so that you have everything you need near at hand and all in one place. Then find a good chair with strong support for your back as you listen and learn. It should be comfortable enough to study in, but not too comfortable that you want to take a nap. That comes after you have done your work.

Organize all of your supplies and material around you and you are ready to get to work. You also need to organize your time in order to develop good distance learning study habits. Set aside regular times to go online for your lessons unless they are pre-scheduled and allow for adequate time to study and complete assignments. Stick to your routine religiously unless an emergency happens and tell everyone, especially your friends that you will be unavailable during this period of time. Follow the basics to create a distance learning program that fits your life and your schedule and you will be well on the way to a productive and successful distance learning program.

Online Good distance learning study habits

Cheekybrats mothers

By keeping your baby nearby you and by listening to him and responsively meeting his needs with promptness and love, you will come to know your baby better than any one else ever could. . . you will be the expert on your baby. All the advice in the world won't change what you feel in your heart your baby needs. Go with that feeling. Cheekybrats is designed to bring you the essential baby products and information you'll need for yourself during pregnancy & later during your baby's first year of life. there are a lot of little but must essentials that can easily be overlooked... until they are required. You'll find trust worthy resources and recommended baby products that you can easily purchase online for yourself & your baby. shopping online can be a spree Safe and secure, comfortable and easy to manage, something all first time experiencing the mother's title need more of that. When it comes to baby care, cheekybrats is a right choice to provide you much more secure & enjoyable experience.

Before coming on to a decision regarding opting one of the more expensive accessories, take time to think about your individual needs. During pregnancy you need to comfort yourself by going for a glider chair. After having a baby, in the early weeks moses basket, followed by a cot bed makes pleasent option for your baby and for you. If you travel a lot, a travel cot or a baby car seat could also be a wise option. Whatever you opt, you must ensure that it meets the indigenous British Standard.

In the end I must say that we are not just a shop of the baby products but we feel like a partner with mothers in a unique and evolving relationship during a time of up bringing your child. Both of us start out knowing very little about each other and go on from there to learn more & enhance our relationship every day, synchronizing with each other. http:// cheekybrats. co. uk

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A dog day care business can be a lot of fun

If you love dogs and you enjoy making money then a dog day care business may be a very good fit for you! Let me ask you a question, "Can you imagine starting your very own dog day care business?" If you asked yourself that question and still aren't sure, let me give you a bit of dog day care business advice.... First, make sure that you truly love dogs. Second, study your area and see if there is a large dog population. Finally, get some legal advice. You see, if you love and care for the dogs that you keep, the chances of your dog day care business being a huge success is much better than if you are just starting a dog day care business for the money. Now the reason that I mentioned studying your area to make sure there are plenty of dogs is simple, no dogs equals no money for your dog day care business! Here's a dog day care business tip: See how many veterinarians are in your area. Also, be sure to look in the paper at the classifieds section. Finally, I mentioned obtaining proper legal advice. A local attorney in your area can give you valuable information about starting a dog day care business in your area. You want to make sure you comply with all laws. A dog day care business can be a lot of fun! Just make sure you enjoy dogs, research your area, and always obtain good legal advice. Good luck in your dog day care business endeavor!

Online A dog day care business can be a lot of fun

How to find a good inexpensive hotel

When going on vacation somewhere you have never been it can be hard to find a good quality Hotel working on a budget. So here is a guide to help you find a good place cheap, so you don’t have to worry about where you will stay. In my life I have done a great deal of traveling, and I have many nightmare stories about the things that have happened to me in some of the cheap hotels I have stayed in. I remember once I was ok a ski trip and half the floor in my room actually dropped about 6 inches. I woke up and my head was lower then the rest of me and was confused for several seconds before I managed to come to my senses. Lucky for me the room was on the first floor. On another trip, the police raided the hotel looking for illegal immigrants, and there was noise all night long. It was probably quiet the next night, but I did not stick around to see. Finding a good inexpensive hotel should not be a gamble. The best way to find a good hotel is to go to a place you have been before, but assuming that is not an option the next best thing is from someone who has been there. If you know someone who has been to the same vacation spot as you are planning on going, ask them about the place they stayed, the worst that can happen is they tell you they hated it or that it was too expensive. But what if no one you know has ever been to where you are going to be? Unless you like to gamble, you can't just make reservations anywhere, if you are looking to gamble on something play blackjack or poker in a casino, but don’t roll the dice with the place you are going to use as your home base for your vacation. Use the internet to look for hotel reviews. There are many websites that have reviews from people who have stayed in the hotel. Now one mans hell may be another mans heaven, but at least this way you can see that 5 people stayed there and said it was fine and two said it was not good maybe these 2 people were the exception. Or maybe the two that did not like the hotel were in town for business in an area popular with tourists. This can be an annoying situation when everyone around you is partying and you are trying to sleep, this is one of the reason why no business is conducted in Daytona Beech during Spring Break. Talking with a travel agent is always a great way to assure your happiness with your lodgings, and helps keep the gambling in the casinos and out of your room. A good thing to do is to make sure to ask lots of question on the phone with any hotels you are considering staying in.

Online How to find a good inexpensive hotel

An early guide to the 2006 world series of poker

Welcome to the poker betting column. Every week we will be analyzing recent player performances, the betting market and predicting future winners. Hopefully this column helps you make more informed bets, increases your edge and chances of poker betting success. It truly is a market where knowledge is money. Today, an overview of the upcoming World Series of Poker and a few points to remember when making your picks. The 2006 World Series of Poker is quickly approaching with an expected first-place prize of $10 million. Of course, that winner is going to have to battle through a grueling week of flush draws, open enders, 2 outers, cold decks and hot streaks. It will be a mental and physical roller coaster, testing a combination of skill, stamina, guts and luck.

Almost all sportsbooks will be offering lines on the ‘winner’ market. Obviously this is the hardest pick to make, and therefore I’d advise choosing a few long shots rather than any top-ranked player. There is clearly little value backing Phil Ivey at 125 – 1 or even Dave Colcough at 80-1!! Not only are these terrible prices to begin with, but also the players may not even be on form or running well in and around the tournament. It’s always important to track each player's recent performances when gauging their chances of success. Poker players are a lot like horses in that recent form plays a huge part in how they perform. The best player in the world cannot beat cold decks or bad luck, and therefore running well is essential to having a real shot at winning. The five most important factors to consider when making your picks are: 1) Recent form – running well vs. being cold decked.

2) Hunger to win – any recent close wins fuel players' desire to win the next event they enter. 3) Skill/experience level – Players must be able to compete at the highest levels or at least have the guts to gamble. 4) Age – As the main event is expected to take nine days to complete (though there are multiple Day 1’s and 2’s), players must be physically and mentally fit, able to stay sharp throughout. Fatigue causes mistakes, and mistakes cost you tournaments. 5) Style of play – Weak/ tight vs. tight/aggressive. Here is a breakdown of those factors: 1. Recent Form: This is a key topic when analyzing the market and making your picks. Therefore, it is worth waiting until the last couple of days before the event to place your bets. We all know Ivey is widely regarded as the best player in the world, but even he will need to be focused and running well to win WSOP 2006. If he is too fatigued from the preliminary events and side action, then he will not be a serious contender. 2. Hunger to Win: Due to the volume of players entering the main event, competitiveness and hunger to win will play a vital role in players' chances of success. For example, a player who simply wants to go deep and cash out is limiting his or her success level as opposed to the player who is playing to win. Even though the tournament cannot be won in a single day, players still need to be pushing every edge they can, staying sharp throughout, picking up every possible chip. With so many chips in play, chip accumulation is vital – every day. Waiting for aces will not work. Remember, it is much easier to dominate the action at a table when you hold a large chip advantage, and if players can combine a large chip advantage with superior skill, there will be little that stands in the way of success, particularly if they are running well too! 3. Skill / Experience: Due to the volume of entrants, and the grueling nine-day schedule, skill and experience will be vital to staying alive in the tournament. Even though Chris Moneymaker miraculously won in 2003 with little to no experience, it is worth remembering that the field was less than 1,000 players then, as opposed to 6,500-plus this year. Therefore, players lacking in skill and experience will need to get lucky many more times than Moneymaker did. There are simply too many skilled players and chips in play for an unskilled newbie to cruise to victory. However, with the increased popularity in online poker, many young players have the skill and experience to compete against the older brick and mortar veterans – though any additional live experience Internet players have will be invaluable as many top online players fail to make the correct adjustments for live play. It's a lot easier to pull off a stone-cold bluff online than it is face to face! 4. Age: Again because of the schedule and necessity for mental and physical fitness, many of the great, experienced veterans will find it difficult to stay in contention throughout the main event. At the same time, an overly aggressive youngster lacking in experience may blow up too early after having dominated the action early on. So both ends of the age spectrum can be advantageous and disadvantageous – the key being to find the right balance and mental psyche in your player picks. 5. Style of play: Players will need to accumulate as many chips as possible at every opportunity while also avoiding the risk of elimination. Therefore a weak/tight strategy will not be successful. Tight, aggressive play will win this tournament and crown the new champion. (Be careful not to confuse fearlessness with recklessness when analyzing players). Good luck everybody, both playing and betting this week!

Online An early guide to the 2006 world series of poker

Baseball betting yankees bring brooms to motown

: The New York Yankees look like they flew to Detroit on a broom rather then a jet and they may leave the wooden sweeper when they depart the motor city just before midnight tonight. The pinstripers have sent an emphatic message to the upstart bengals, that they are the bullies of the American East. I have been propping the Tigers pitching but both the starters and relievers have been awful this week, being outscored 21-7. While we are blasting the pitchers, the offense must have the finger pointed at them as seven runs in three games against the anemic Yankee pitching is embarrassing. The Tigers hit five consecutive grounders to Miguel Cairo in the first and second innings to give him five assists and a putout on Detroit's first six batters. Detroit's Nate Robertson (5-3) allowed six runs and 10 hits, walking two and striking out seven in 8 2-3 innings. Certainly have to question Angel’s general manager Bill Stoneman’s decision to award pitcher Kelvim Escobar a whopping $28 million for three years. The guy is only three games over .500 (77-74) and is 19-19 in his career with the Angels. Escobar gets a $1.5 million signing bonus, $8.5 million in 2007, $9 million in 2008 and $9.5 million in 2009. The pitcher signed a three-year, $18.75 million contract with the Angels on Nov. 24, 2003, after pitching five full seasons and parts of two others with the Toronto Blue Jays. He was 11-12 with a 3.93 ERA in 33 starts in 2004 and 3-2 with a 3.02 ERA in seven starts and nine relief appearances last season.

I mean the entire 25 man roster of Florida is getting $14 million and that includes all star Dontrelle Willis, while Escobar is grabbing $9 million. Go figure? Three major components of their team’s ultimate success were reported suffering from injuries on Wednesday. Jake Peavey the stud of the Padres starting staff, Vernon Wells the star center fielder of the Jays and Jim Edmonds the leader of the Cardinals outfielder. Bob Acton Online Sports Betting

Online Baseball betting yankees bring brooms to motown

Was the ephedra ban really a success

Ephedra and Ephedrine consumers are still under the assumption that the Ephedra ban is still in place. It probably comes as a great surprise that the ban on Ephedra, one of nature’s most powerful weight loss supplements, was lifted in April of 2005. A Utah Judge overturned the FDA’s decision. So why is it that the most sought after diet pill so difficult to get your hands on? We spoke to four of the top nutritional suppliers. They tell us that the demand is higher than ever. However, they admit they haven’t been following the new ruling. As a result, they missed the boat.

There is one company, Ephedra Labs that did follow the series of rulings very closely. Just as quickly as the gavel fell on the final decision last April, Ephedra Labs purchased the entire supply of the pure form of MaHuang. They now own the entire world supply of pure form Ephedra for the next 9 months. The only place a consumer can purchase Ephedra is by visting EphedraLabs.

com. They even offer discounts if the order is placed online. The power of Ephedra cannot be denied. It has helped hundreds of thousands of people with weight problems slim down. Where other pills and potions have failed, Ephedra still remains as the top challenger for the most powerful weight loss supplement out there. Ephedra Labs tells us they can barely keep it on the shelves with some of the wholesale suppliers stepping up to the plate wanting to purchase crates of their product. This is great news for Ephedra consumers is that the “weight” is over.

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Drug rehabilitation the key component

Drug and alcohol use can be traced back to 4000 B. C., in Egypt. By the 19th century, active substances were being extracted from the raw materials, and these psychoactive substances were being sold without any regulations. By the early 1900s there were an estimated 250,000 drug addicts in the United States. The anti-war upheaval of the 1960s brought with it a dramatic increase in drug use and increased social acceptance. The 1980s saw a decline in most drug use, with a slight increase in Cocaine use. Despite this overall decline, most Americans still regard illegal drug use as one of the nation's most serious problems.

Opinion polls show the public favors a variety of different approaches to the drug problem. In addition to strict laws, it is vital to effectively treat individuals already suffering from drug dependence and substance abuse, through education, therapy, medicine, and group support. Drug rehabilitation is a key component to a successful campaign against the use of illegal drugs. At its fundamental level, humans use substances such as alcohol and psychoactive drugs because these substances give the user a feeling of pleasure. Pleasure is a very powerful force. Our brains are wired in such a way that if you do something that gives you pleasure you will probably want to do it again. All drugs that are addicting can energize and enhance the brain's pleasure circuit. Addiction is a chronic disease that affects ones brain, and ones behavior.

Addicted individuals abuse drugs without regard to the consequences of health, relationships, money, work etc. It is a consuming disease that not only effects the individual directly, but others indirectly. If left untreated, this disease can lead to the social death, as well as the actual death of the inflicted individual. Proper management must be instituted immediately to return the individual to a life that is more manageable, and drug free. A program of drug rehabilitation best achieves this goal. Drug rehabilitation is the process of medical or psychotherapeutic treatment for substance abuse. The goal of any drug rehabilitation program is to provide comprehensive drug treatment and alcohol rehabilitation services, and introduce individuals to a new lifestyle free of chemicals. Successful treatment of substance abusers depends upon the severity and nature of the addiction, as well as motivation. Some treatment programs use medicines that neutralize the effects of the drug.

Acupuncture has also been successful in treating the cravings that accompany drug withdrawal. Comprehensive substance abuse counseling and education is another component for a successful plan. Evaluating the efficacy of any treatment plan is difficult because of the chronic nature of drug abuse, and the fact that the disease is usually complicated by personal, social, and health factors. Statistics show that getting sober is easy; staying sober is the hard part, and the first year of recovery is the most difficult.

It may take a number of attempts before success is achieved. Nobody chooses to become a drug addict or alcoholic, this disease cannot be wished away, it has to be treated.

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Chakras 101

The chakras are different coloured energy centres that originate from seven different points in our body. Chakra is a Sanskrit (East Indian) word that means "Wheel". For millennia the chakras have been visualized as round balls, blossoms or spheres of light that can open, close, darken, brighten and spin! The location of each of the seven chakras represents a different aspect of human experience. Our emotions, ability to connect with others and physical health are thought to be reflected in the condition of each chakra. Seeing your own chakras requires mental focus and powers of meditation. Remember these are imaginary entities that were invented by great mystics thousands of years before medical technology. The manipulation of these spheres or wheels of light, particularly the brightening and opening of them is thought, by many, to relieve a variety of ailments.

There are seven main chakra centres in the human body and the correspond with the seven colours of the rainbow or light spectrum: The Red Chakra, also often referred to as the Root, First or Base chakra is at the base of the trunk of the body and is thought to correspond to the sex drive and to primal drives such as the desire to procreate, survive and destroy. This is the chakra to work on if you are having troubles with your health. The Orange Chakra, sometimes called the Second, Sexual or Spleen chakra is in the abdomen and relates to the lower digestive organs. It corresponds to our ability to physically digest and eliminate food, emotionally digest events and process them in a healthy way and emotions such as joy or affection. This is the chakra to work on if you are having trouble letting go. The Yellow Chakra, sometimes called the Third, Stomach or Solar plexus chakra is located in the upper stomach area just below the rib cage. It is the centre where we connect to others on an astral level and it relates to our abilities to transform or manifest events. The Green Chakra is located in the chest and is related to the lungs and heart. It is sometimes called the Fourth or Heart chakra. It represents the flow of energy and flow of love in our lives as well as our ability to connect to others. The Blue Chakra, sometimes called the Fifth, Thyroid or Throat chakra relates to the immune system, the regulation of hormones. It represents our ability to communicate effectively with others as well as creative and personal expression. The Indigo Chakra, sometimes known as the Sixth chakra or the Third Eye, is located just slightly above and between the eyebrows on the forehead. It is related to the pituitary gland and mental and spiritual processes, as well as intuition, second sight. The Violet Chakra, also sometimes known as the Crown chakra, the Seventh chakra, the White chakra or the lotus chakra is located at the top of the head. It is thought to be the gateway or connection to the spirit world, ascended masters and the higher self. It is the receptor of divine wisdom and divine inspiration. When functioning well, the chakras are thought to be a conduit for the constant flow of energy through out our bodies. If these chakras are blocked, slowed in their spinning, darkened or not working, then you can correct this imbalance by imagining them being cleared from negative energies such as resentment, fear or trauma. Tuning up your chakras can make an enormous difference to your sense of well-being in general as they conduct the natural flow of energy through our bodies. Chakras that are blocked are thought to cause physical disease and emotional and spiritual dis-ease. Common blockages are negative emotions, the desire to hurt, being emotionally hurt, and the holding on to of fears and resentment and sometimes past life issues. The chakras interact with each other in a constant dancing of the spheres that extends outside our bodies. They exist in a constant state of renewal that can be enhanced by meditation, creative visualization, light working and breath work.

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Stress and anxiety 101 what is anxiety

It is normal for every person to experience anxiety attacks, especially during stressful situations and traumatic events in life. As health experts say, anxiety is a typical response of person's body that signals possible dangers ahead. However, when anxiety becomes extreme to the point that it prevents a person from living the normal life that he intends to have, that person may possibly be suffering from anxiety disorder. Defining what is anxiety disorder Anxiety disorder is generally a term that covers different types of extreme pathological phobia, fear, and anxiety. A person suffering from an anxiety disorder may experience abnormal feelings of anxiety even without knowing the cause or he may also have intense and sudden panic attacks. The attacks may be in the form of unwanted obsessions or compulsions and uncommon social inhibitions. Even though anxiety disorders have different forms, they are all the same in one thing – extreme and persistent worrying or fear. This condition becomes alarming as the intensity and frequency of the said responses can disrupt or undermine an individual’s everyday routine and productivity. Below are the three characteristics of anxiety disorders: 1. Consistent, all-consuming, and continuous. 2. Interferes social interactions and activities. 3. Causes emotional withdrawal and isolation. Enumerating the factors leading to anxiety disorders There are a number of factors that can lead to the development of anxiety disorders. These factors are categorized according to personality, environmental, hereditary, and brain chemistry. 1. Personality According to medical studies, differences in personality can significantly affect the development of anxiety disorder in an individual. It is common in individuals with extreme anxiety condition to view the people and environment around them as threatening. People suffering from anxiety disorders also have inferiority complex, thinking and believing that they are powerless towards other people or situations. 2. Environmental The environment is also a very strong contributing factor in the development of anxiety disorders in individuals. Traumatic situations such as separation of parents; death; weak support system; as well as conflicts with family members and friends can definitely lead to abnormal anxiety condition. 3. Hereditary Studies proved that anxiety disorders are also hereditary. This means that these psychological conditions run in the family. Those who are found to be suffering from anxiety disorders have family members who are also experiencing extreme anxiety conditions or mood disorders. Recent studies also claimed that there are certain generic factors (such as vulnerability to stress) that contribute to a person’s susceptibility to anxiety disorders. 4. Brain chemistry The occurrence of imbalances on a human brain’s neurotransmitters can also lead to the further development of anxiety disorders. As such, the medications commonly given by doctor or health practitioners are meant to readjust the chemical imbalance in the brain. Apart from the four main factors enumerated above, chief life stressors such as marital problems and financial difficulties can also trigger the development of an anxiety disorder. However, it is important to remember that anxiety disorders cannot be triggered by only one cause or factor. The life stressors and the four main contributors to anxiety disorders are oftentimes interrelated.

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Combating childhood obesity

A common misconception in today’s society is that a chubby baby is a healthy baby. Yes, we all love cute, chubby babies, but the sad reality is that too many of those chubby babies will later turn into unhealthy, chubby adults. As parents, it is our job to ensure we build a good foundation for our children by introducing them to a wide variety of foods, and not let them over indulge on sweet sugary deserts and empty calories. With the increasing popularity and convenience of fast food, nearly one out of every five children is battling obesity. Obesity is now common throughout the world, regardless of race or gender. With obesity becoming a problem at these early ages, there is a significantly higher likelihood of adult disease and health problems earlier in life. Obesity is fast becoming a wide spread health danger to our human world. With more advances in modern technology, we have found ways to do things the lazy way, eliminating a lot of physical exercise we used to get on a daily basis just going about our normal routines.

Kids now ride scooters or four wheelers rather than bicycles or roller skates. They now choose to spend their free time in front of the computer, television, or with a video game rather than outside playing tag and hide and go seek. This decrease in exercise is a common culprit among today’s children. We, the parents, have to be strong, and limit the time we allow them to spend playing video games or in front of the television. Sometimes, we may have to change our own habits to get them to change theirs. Go outside and play with your children, play ball, go bike riding, etc. Doing things as a family often makes them more fun, and therefore will be easier to get your kids involved in. It seems like everyday as parents, our lives get busier and faster paced, and we have less and less time to accomplish what needs to be done. We often look for the easy way out, giving in to running thru drive thru on the way home from work, rather than going home and cooking dinner as we should. If we prepare our meals, we know what the ingredients are, and have the power to make healthy choices. Going with the fast food option is more convenient, but often is very low on the nutritional value side of things, and also teaches your kids that it is okay to eat that junk, often leasing them to develop bad eating habits of their own. If you have to go the fast food way occasionally, opt for salads and grilled chicken, or try to go with the healthiest choices on the menu, rather than the all too alluring burger and fries. Kids who spend a lot of time inside in front of television or video games also increase their risk for obesity by indulging in junk food. They eat ice cream, potato chips, cookies, etc., adding to their caloric intake, while reducing the amount of physical exercise they get, again increasing their odds for becoming obese significantly. Basically, childhood obesity is caused by lack of physical exercise, bad food choices, and to be frank, lack of parental control over their children’s lives. Obese children are at increased risk for all kinds of health conditions. Common problems include early onset diabetes, joint problems from carrying excess weight, heart disease, and mental and social issues caused by being overweight. School age children often think it is fun to pick on each other, and this joking can cause a world of self esteem problems for the overweight child that will often carryover into adulthood. Then of course, the health risks are increased due to the fact that most obese children will eventually turn into obese adults, with a variety of other health issues to deal with. It is important to do everything you can to prevent childhood obesity from striking your kids, as you are the first weapon against this dangerous problem. Teach your kids how to make healthy food choices, and most importantly get them outside and active, even if you have to do it too. Parents by no means take all the blame for this problem, but we can take steps to help combat it before it begins.

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Reducing stress to improve your personal life

Reducing Stress to Improve your Personal Life When you are feeling under the whether all the time perhaps it is because you are stressed. Stress alone can cause major psychological and mental problems. In fact, stress can cause self-induced exaggerated problems. Stress causes confusion, since it targets your physical, emotional responses, and psychological aspects while causing you pain. Stress is the leading problem that everyone in the world faces at one time or another. What causes stress: Bills cause stress, especially if you do not have cash flow to pay the bills. Jobs will cause stress, since you battle to make sure your duties are correctly handled. Children cause stress. Especially nowadays, since the media, television, etc has polluted and corrupted the minds of our children by offering them nudity, violence, and other harmful actions on air. A bad relationship can cause stress. If you are in a bad relationship, it only affects your mind and physical well-being, causing you stress. There are many reasons a person can feel stressed. The upside is, you have the choice to make stress your best friend or worst enemy. What are the different kinds of stress? There are many kinds of stress that can cause you problems like the acute stress this is a short term stress problem normally, which may last shortly or could carry forward. You want to avoid overstressing self. One of the common reasons someone develops acute stress is because they are thinking of how to change things they cannot change. Only change the things you can change and learn to accept. We all deal with everyday challenges. Take each challenge as a learning experience. We all have to pay bills, work, and so on. It's a part of life. We all have to face it. Sometimes we do not have the money to pay bills. Learn to set a budget that relieves you of stress. You may loose your job. Instead of sweating the problem, do something about it. Children these days are increasing stress for parents. Many teenagers these days are difficult to manage. Today our children are plagued with mental illnesses, far more so than at one time in history. When you feel chronic stress, burned out and do not see hope, it is time to seek help. Your doctor or mental health expert can help you manage stress emerging from difficulty teenagers. How to reduce stress: You can reduce stress by managing, planning and setting goals. When you have something to look forward to, it improves your personal life. The first thing you want to consider while planning and setting goals is truth. The truth is what sets you free. Everything you do in life should uphold the truth. If you are not sure, research to learn the truth. You can take many steps to reduce stress. To improve your life and reduce stress you may want to consider education. If you lack skills, experience or education you will benefit from returning to school. You want to avoid setting traps for your memory and intelligence, since the emotions play unhealthy games if you allow it. What I mean is you want to avoid telling yourself I cannot do it. Life is too hard. Life is easier if you learn to think positive. How you can improve, your personal life is up to you. You will need to consult with your inner counselor to learn what you need, what you are lacking and the steps you can take to improve your personal life. If you are unsure, seek feedback. Feedback is the key that leads you to success.

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Roller shades have evolved over time

It used to be that roller shades were used by old people for their old homes to accompany their drapes. You know the style, dreary old carpet maybe some finger prints worn down maybe with tassels and of course one color, off white. Plain roller shades which were quite boring and commonplace were located everywhere. It was this look at night roller shades to be less popular and not widely distributed. Consumers look for alternatives. Some of these alternatives turnout to be wood blinds, vertical blinds, even draperies or mini blinds. However none of this changes the fact that roller shades serve an important purpose - room darkening on a simple low cost window treatment. As a result of the evolution, the changes to the window treatments industry, and specifically to the roller shades manufacturing category, people are now discovering their roller shades can look good once again. New applications for roller shades include office spaces.

Commercial offices are very valid new uses for roller shades. Office spaces where computers are used, or work privacy is required, demand the use of roller shades. Roller shades which can block the light are increasingly common. Media rooms, office suites, conference rooms, and secret spaces, as well as rooms used to store perishable items, are all placing demands for room darkening window treatments. Some offices are making good use of solar shading roller shades. These increasingly important window treatment products are those which filter the light of allowing occupants to manage the lighting in their spaces. Roller shades which allow a percentage of the exterior light to enter room can thus lower internal lighting bills by allowing electric lights to be used to lower extent.

This applications becoming increasingly common with the goal of becomingly. When exterior lights are able to pass through window treatments, occupants are able to work in a more pleasant and individually lit workspace. It is this method of lighting which is part of the ergonomic design their roller shades, solar shading, which is desired. Older roller shades were controlled with a pull mechanism. This pull mechanism, sometimes, called a spring mechanism, work well, particularly in the beginning of life of the roller shades. However, as roller shades got older in were used more regularly, the control system, the springs, would wear down and weaken. Spring controlled roller shades more recognizable by the fact that on the control ends of the roller shade to that the very top of the window they would be very small metal and sticking out of one side and something of about block sticking out of the other. Each of the use panes or blocks would fit into a very small roller shade bracket that the top of window. Sometimes the roller shade can slip from his racket because there’s no strong anchoring of the roller shade into the bracket, they are from cheap.

New roller shades, on the other hand, use a more extensive stronger and much better fastened roller shade chain control. These chain controls use internal springs to actually reduce the load, the amount of force required to lift the roller shade, substantially. Sometimes the load reduction for a roller shade can be as much as thirty percent. This type of load reduction is important when you talk about using roller shades for larger windows. Imagine trying to raise a roller shade that weighs as much as fifteen pounds. This would be the consumer pulling on a chain to raise the shade or to lower the shade and putting it least fifteen pounds of pull force on the chain. That’s a lot of work when you’re tired in the evening or tired of the morning trying to block the sun or let more sun in. The beauty of the new control systems is clear when you consider color coordinated chains that actually make the roller shade look nicer with the chains that match the fabrics. These new roller shades, in particular, actually also have a color coordinated bottom rail. This bottom rail is a metal bar at the bottom of the roller shade and serve a function of providing a good solid weight to the roller shade. This weight is necessary to help the roller shade fabric hang flat straight. In addition, color coordinated bottom rails also provide a nice finish and attractive clean look to the roller shade. Roller shades have evolved tremendously over the past few years. This is part of the fuel on the fire of the interest for roller shades in residential and commercial applications. Consumers, architects, designers, contractors, and building owners are all recognizing the enhanced value of attractive roller shades.

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Time management for your online business

One of the first things that I had to change was the way I used my time. When I first started doing affiliate marketing I thought I would learn how the big super affiliates did it so I went to all the forums and spent hours and hours reading. Although some information was useful my problem was I spent too many hours on a forum. Next thing I knew I had not built any web pages at all that day. The next day I logged into my affiliate accounts and seen that I made nothing yesterday I got pissed off. I blamed everyone but me. I kept saying things like tracking wasn't working or my merchants were ripping me off. Most of the people reading this probably do the same thing complain and blame everything on someone else. Now I was very new to affiliate marketing and really had no clue as to what I was doing at all. I had about 15 pages of just banner ads, I think back now and just laugh. I was so nieve as many are when they venture into this. For some reason most newbies have a bulid it and they will come and buy from my site theory that just doesn't work. Don't get me wrong I still love forums but you have to manage the time spent there. It was tuesday afternoon around 3pm that I changed what I did online. I set up a time management schedule that I follow everyday. I set a time up for certain things like Email, creating links, checking stats, making web pages, and learning. I don't follow that exact order at all. I always make my web pages first, but that wasn't always the case. I use to log in to my email first where I would get all these "join our affiliate program" E-mails. The first thing I would do is join them, every single one of them. This was the biggest mistake I made as they didn't fit my site or category at all. All of a sudden I had 100 affiliate programs that I belonged to and none of them made me a dime. I knew this had to change and change quickly. I now have a Must Do List - Notice I didn't say a "to do" list, that is because these things must get done. I set up the schedule the night before, it takes 3 minutes to make my next day effective. If you think about it there is always going to be something to do and you can't do them all so you might as well just do the things that you can and get them over with. This will give you a good feeling when it is done then you can go and check your stats. The funny thing is your stats actually improve by checking them after you make web pages on a steady basis. The emails will be there in the afternoon after you make pages and you know what so will the forums. Although these things are addictive then can be done last. After I make pages I spend a half hour learning something new. By doing things this way I have been able to learn what RSS is and what CSS is. If I had learned what these things were six months ago I would of had extra time as my sites would have been easier to update. Set yourself up with a schedule the night before and stick with it no matter what your online business will be more effective and the money will come easier to you.

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