Monday, October 31, 2016

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Age-old wisdom states that too much of a good thing is a bad thing. This has been true for everything, from food to wine, from emotional stimulation to intellectual pursuit. Yet, the modern world and the nature of the consumer's market make people so very prone to material excess. Of course, it isn't just material excess that people are prone to. The global landscape is also filled with so many people who are attempting to achieve peak physical fitness using even the most extreme methods, to the point that a few have developed habitual abuse of muscle relaxants. In some minds, the old adage can be applied and the question asked: is too much exercise bad for you?

The short answer to that loaded question is one that is guaranteed to earn the ire of exercise and fitness buffs the world over. Because the short answer is a resounding and unpleasant “Yes.” Too much cardio, for example, can put such a toll on your heart that it may increase the chances of heart failure. Too much physical training is already known to lead to the need for muscle relaxants and pain killers, which both carry the risk of being habit-forming. One does not even need prolonged use to fall into that trap, though the way some people exercise, regular use over an extended period is practically a given. So it is true that excessive exercise can have negative effects on the body, but it also begs yet another question. What, exactly, is too much exercise?

In the realm of cardiovascular exercise, the American Heart Association has set down some concrete guidelines on just how much of a work-out the average heart can take before the exercise starts to do more harm than good. The recommendation is at least half an hour worth of brisk, but not intensive, physical activity daily, with more intensive workouts at least three times a weak. Anything more could put potential risk on the heart, though some variances and allowances have to be made for certain individuals and factors.

General consensus among the medical community is that defining the point where exercise becomes dangerous and damaging can be as different for every individual as their fingerprints or DNA. Some health experts ultimately believe that the best person to tell someone that they're exercising too much would be the person doing the exercising. There are various signs, physicians say, that can help one figure out whether or not they're exercising too much for their body's good. Among those signs are feelings of fatigue after light physical activity, the need to regularly take muscle relaxants despite engaging in less stressful workouts, and dizziness during exercise.

There are problems with that, however. Since the best person to indicate whether an individual is over-exercising or not is the individual himself, there is a very good chance that physical signs can be misinterpreted. While the guidelines are clear on what signs constitute over-exercise, some people might not have the medical knowledge required to objectively tell whether or not they are overdoing it. Still others might convince themselves that they are over-exercising, using it as an excuse to disengage from unpleasant physical activity.

Sunday, October 30, 2016

Credit reports and what to do with them

There are three major credit reporting agencies within the United States: Equifax, TransUnion and Experian. These are the organizations that lenders go through to verify potential borrowers credit worthiness.


Federal Law indicates that individuals are able to receive one copy of their credit report from each of the three agencies annually, and at no charge. It’s a good idea to look it over once a year to make sure there are no errors or omissions.


How do you read a credit report? There are abbreviations and numbers and codes, and for people who are looking at them for the first time, they can be a little confusing.


Obtaining Credit Reports


In order to get your free credit reports each year, you can go to annualcreditreport. com, which is the only authorized source for free annual credit reports under the September 1, 2005 federal law. If you go directly to the credit reporting agencies, there will be a charge to view your report - unless you qualify for another criteria to view a free report (being denied credit, for example).


If you want to monitor your credit report more often than annually, you can sign up for reports at any of the three credit reporting agencies, and pay about $10 per report. You will want to view the report at all three agencies, unfortunately, because the information is not exactly the same and you need to check for errors at all locations.


Reading Credit Reports


Credit reports are divided into four different segments: identifying information about the individual, credit history, public records, and inquiries made to the credit file.


Identifying information should include your name and address, and social security number. If you see a few variations of your name or more than one social security number, it’s because one of your creditors has reported it incorrect, but that information should remain because taking it off can hurt the connection between the report and the creditors who use it.


Identifying information also includes your employer(s), driver’s license numbers and sometimes your spouse’s name.


Credit history includes a list of individual accounts and account numbers (which may be encrypted). Information for each account will usually show the date it was opened, the type of credit (mortgage, car loan, installment, revolving), total amount of your loan and the amount you still owe, as well as the status of the account (open, closed, paid as agreed, inactive) and how you’ve been making payments on the account (on time, 30 days late, 90 days late, etc).


Public records is a section that you hope has nothing in it. This section provides details for bankruptcies, tax liens and judgments. This section will lower your credit score faster than anything else can.


Inquiries provide a list of “hard” inquiries - credit you’ve applied for and can affect your credit score - although FICO ignores most inquiries when coming up with their scores for individuals, and “soft” inquiries from credit card lenders who check your file before sending out promotional credit card offers. Soft inquiries do not raise or lower your credit score.


What to Do with Mistakes on Your Credit Report


If you find mistakes on your credit report - such as incorrectly reported amounts on an account, or an account that doesn’t belong to you, you can fill out the dispute form included on a mailed copy of a credit report, or use an online form to dispute the discrepancy online.


The credit reporting agency must then verify the information within 30 days of your filing the dispute (or the mistake must be removed). If they find it to be correct, and you still disagree - you can contact the creditor directly to have it corrected. If they find the information you’ve disputed to be incorrect, they are required to remove the item from your credit report.


Wednesday, October 26, 2016

Famous gamblers past and present

There have been many casino players throughout history who became famous as a result of gambling. Although the following persons did not necessarily achieve fame through gambling, they did nevertheless attract a significant degree public attention as a result of their gambling activities.


One of the first famous gamblers in the world was John Montagu, the Earl of Sandwich. He led a scandalous private life and was addicted to gambling. In 1762, he sat for over 24 hours at a gaming table in his home, refusing to attend meals. In desperation, a servant offered the Earl a piece of salted beef as food; the Earl suggested that the beef be encased between two slices of bread so that he could eat it in his hand at the table. This is where the sandwich got its name.


One of the West’s most famous gamblers was “Doc” Holliday, who maintained a fierce reputation as a hard drinker, tough fighter and ruthless killer. He is chiefly remembered for fighting alongside Wyatt Earp at the famous gunfight at the O. K. Corral.


“Wild Bill” Hickok was another American legend, renowned throughout the world for the tall tales surrounding his violent life. He’s chiefly remembered for taming two of the most lawless towns in Kansas. Unfortunately, Hickok made many enemies and his day of judgment came at a poker table. He was shot in the back of the head by an assassin and died clutching a pair of aces and a pair of eights; ever since, this particular hand has been known as the ‘Dead Man’s’ hand for obvious reasons!


Benny Binion was born in 1904 and lived his life as a bootlegger and conman. At the age of 43, he gave up his life of crime and moved to Las Vegas, where he later opened his own casino. Binion was the gambler’s gambler, and in the 1970s he bought and marketed the World Series of Poker tournament, which has grown over time to be the biggest in the world.


Magazine owner Kerry Packer made his name through his family’s media empire, which owns 60% of all magazines in Australia. Packer became known as a high-stakes gambler when he won $26 million playing blackjack at the MGM Grand in Las Vegas. However, Packer has not always been successful; he lost $16.5 million at the Crockfords casino in London, although this barely dented his $8 billion fortune.


The World Series of Poker tournament has created many famous gamblers of today. One such example is Johnny Chan, nicknamed “The Great Wall of China” after his amazing success winning the World Championships in 1987 and 1988 consecutively. He’s played in all the major games of the last two decades and is also known as a genuinely nice guy.


Although gambling is primarily a recreational activity, many people have approached it with a different mindset, and as a result, made and lost vast fortunes with it, while becoming famous along the way.


Sunday, October 23, 2016

Cell phone shopping advertisements

At any given time, you can log into the Internet and find cell phone shopping advertisements on your homepage. These cell phone shopping advertisements are presented in a manner that is fast, concise, and to the point. Sponsors have paid a lot of money to bring the cell phone shopping advertisements to your attention, and simply ask that you take the time to visit their dealer to see what discounts will be right for your family.


Through direct hyperlink advertising methods, consumers can access cell phone shopping advertisements with the click of their computer mouse button. This link will take you directly to a sponsored website, where many models of cell phones are offered. You might not be interested in purchasing a cell phone at that time, but curiosity take a hold on your and you visit the site to find out the latest rates being offered on cell phones.


Some of these cell phone models offered in these cell phone shopping advertisements might be for a personal digital assistant device that allows you to access your email at any location, and others are simple pay-as-you-go cell telephones, offered by many cell phone companies, that center around the needs of budget cell phone customers.


Some of the cell phone shopping advertisements are short lived, and are presented to the customer in the form of scripted, digital presentations that pop up on your screen just long enough to get the sales message across. The consumer has the opportunity to block these types of cell phone shopping advertisements by selecting pop up blocker filters on their web browser toolbar.


Other cell phone shopping advertisements might require some time to find, because they are hidden deep within the multiple categories of cell phone companies that offer cell phones for purchase under one retailer’s virtual storefront. When you do reach the right cell phone shopping advertisements, you may have lost interest and close the web page without reviewing the information.


Other cell phone shopping advertisements will provide cell phone customers with knowledge about how you can synchronize your cell phone to your laptop computer. This form of information might be more than any cell phone user needs because their phone plan does not support such an opportunity, or you do not own a laptop computer system to take advantage of such technological advances.


Other cell phone shopping advertisements stress the technology benefits offered through Bluetooth technologies that make the wireless features of your cell phone model seem outstanding and state-of-the-art. After looking at the information contained in these cell phone shopping advertisements, you have a better understanding that your cell phone is not capable of performing that function.


There are question and answering blogs on cell phone use that are included in cell phone shopping advertisements. These open forum discussions will bring simplicity of use, or product errors to the attention of the consumer, who may or may not be enticed to purchase the model of cell phone that is being advertised. All cell phones have different features, and if you are not trendy enough want a cell phone with a camera, then these questions are certainly not beneficial.


Travel leather bag shopping

Travel bags are the most chic, stylish and expensive when they are made from leather. There are several brand names that sell original, well styled and well made leather goods that are famous around the world for their quality.


These well known brand names are like the Leather Specialty, Millennium Leather which manufacture the best quality of leather travel bags that are well known and well liked. People who like style and elegance and can also afford one like to buy items that are made out of leather. There is different variety in leather which is all attractive in the type you like it.


The leather ranges from buffalo leather made from buffalo skin, camel skin, snake skin, etc. Snake skin products are supposed to be the costliest since there is shortage of the raw materials. Buffalo skin travel bags are affordable than any other since this leather is commonly used when it comes to using leather.


Camel skin leather is also liked by many for its beige color and rugged looks, which allow unique style for the consumers. Many camel skin products are matched with brass handles and locks to add to the charm all ready existing with the camel skin.


Snake skin products are classified as exotic products. These are costly as well as happen to be high society products. Highly costly, these products can be combined with several other costly items to appear decorative and give the owner a unique piece to own.


The leather brand names have been in the business of producing branded luggage for generations therefore they have certain goodwill that comes only to the people who have carried on business by maintaining quality with their products.


Leather products require to be taken good care of. While storing, these require to be stored in dry placed preferably covering it with good plastic or a soft cloth which will avoid its coming into contact with the daily changes in weather as well as wear and tear that is caused by the dust particles settling on these luggage items.


You can surely go forward to buy leather products because these are unique products to own and cannot be compared with ballistic nylon in elegance. The shine and charm that these products provide.


So enjoy the pleasure of shopping for leather travel bag shopping and owning the best luggage. Shopping leather bags will prove to be challenging since there is a lot of variety available in the market.


Saturday, October 22, 2016

Franchise opportunity - what questions should you ask the franchisor

With all franchise opportunities there are a few questions that all potential franchisees should ask of the franchisor. Bear in mind that this relationship could last many years and your business potential and your future happiness rests on the answer received. Money whilst important in the decision making process is by no means the only important consideration in business.


First and foremost it is important to ask about the franchisors background. Their experience in business and their knowledge of the field that you are about to enter in should be comprehensive. Not only will this give you a chance to inquire about their knowledge but will also help you understand the people behind the business opportunity that you are about to enter.


How does the franchisor evaluate new franchisees? If this has not been as well developed as it should be then surely it questions the value of the franchise as well. All franchisors should have a clear understanding of the types of people they are searching for and clear guidelines as to how evaluate and score them. Bear in mind that a chain is as strong as its weakest link.


How well do they communicate with you? What methods do they use do communicate? Are they in touch with the latest technology? Technology is changing rapidly and in the future only the business men with their fingers on the pulse will survive.


How fast do they respond to requests for further information? If the franchisor can not be bothered with answering your questions before you they have your money how will they react once the monies have changed hands? When you find a franchise where the lines of communication are not only open but they are also professionally conducted then you can almost be sure that you are backing a winning team.


How many franchises have they sold and how well are the other franchisees faring? Are the franchisees generally happy with their business? Is it what they expected? The moral of each part of the network will be a major factor in the growth potential of the group as a whole. Getting a grip on the profitability of their systems and understanding your chances of succeeding with their business ideas are very useful bits of information to have.


If possible get a full list of their franchisees names and contact details so that you can ascertain for yourself if the facts and figures quoted are reliable and trustworthy. Speaking to other franchisees will also help you to discover the pros and cons of the franchise business.


Finally it is important that you see eye to eye both with the franchisors and their long term plans for the business. Knowing what they hope to achieve and how they plan to do it will affect you and your business plans for many years. Are they receptive to ideas from other franchisees? Do they have a system of logging all the ideas received from their franchisees? Most of the best ideas invariably come from the people who are at the front end and dealing directly with the consumer.


Once you can get a feel for their long term plans and possibly approve of their way of thinking then you stand a better chance of not only living within their requirements and systems but also growing within them.


If you are ready to buy into the dream that the franchisor is selling then you have to be sure that not only the systems are in place to handle your growth but also that this strategic partnership will also develop further due to common ideas shared.


Abortion - no time to say goodbye

Sadly to say there are times when we have to lose a life to save a life when a decision is made to terminate a pregnancy. An early termination is known as an abortion. There are people who strongly oppose abortions but unfortunately when it is a matter of life or death then there is no argument to fight.


Are you left traumatised by feelings of remorse after going through the experience of an abortion or are you hurting on the inside because you had no time to say goodbye to the little one. Then remember heaven is a big place so baby will not be alone.


It is a big decision for any woman to have to make so listen carefully to all the reasons given for why the proposal of an abortion has been suggested. This will help you understand matters better.


Having an abortion does not affect you conceiving future babies but it can if you don`t regarding the circumstances on your health issues.


This is the 21st century where so much help and advice is at hand but still the numbers are on the increase with unwanted teen pregnancies. Girls why put yourself through all the pain and heartache that comes with making decisions on abortion - unlike some unfortunate mothers where their choices were zilch


Abortions are legal under 24 weeks in the areas of Scotland England and Wales if agreed upon by two doctors who believe the health of mother could be affected seriously should the pregnancy be allowed to continue to go the full term.


Crucial elements that will be considered by the doctor before finalizing any decision on aborting the pregnancy are major issues like the woman`s mental stability and physical well being where permanent damage can be done. If there are signs that baby may be born with a serious handicap then this is another reason why a woman may agree to a termination.


Remember the earlier you address the situation the easier it is to for any matters to be conducted appropriately for the abortion to take place. However even though the legal system states 24 weeks the sooner the better - this will help ease stress and pressure. Appointments for abortion clinics can tail back to at least two to four weeks.


We have two methods of abortion one is the medical abortion - known as the abortion pill. This procedure is carried out in the first 9 weeks of pregnancy and does not engage any surgery. The patient is given a tablet (mifepristone) a second tablet (prostaglandin) is inserted into the vagina approx 36 to 48 hours later. These two pills can end most pregnancies in about four hours.


The vacuum aspiration - known as the suction is the other method performed in theatre where the woman will under go a general or local anaesthetic.


The entrance to the womb (cervix) is lightly stretched to permit a tube to pass through. Once the tube is inserted it only takes about 60 seconds to remove by suction. Recovery after surgery in healthy women is not long roughly about an hour (if no complications).


It is common for a woman to experience some discomfort and bleeding for a few days after the abortion. You will be given just as much advice after the abortion as you were before going in for treatment.


If you are trying to come to terms with a loss or about to go through the experience of one then please be strong.


The open wound of heartache heals itself after a matter of time but it is the mental scar that stays with you for ever. Remember not to beat yourself up over the decision you made if it were the right one. How do you know if it was the right decision or not, well that is easy, it was when you realized god was at your side?


If mental anguish still prevails, then to help ease your mind body and soul talk with a yoga master. They do not have the cure but they certainly can help sedate your way of thinking in easing any displeasing thoughts that you have.


Friday, October 21, 2016

Some financial pros and cons of practicing search engine optimisation specifically for and in the uk

Economic pragmatism would be the main reason. If I have a dispute with a client having an office in the UK - not that t his ever happens, of course! - I can go to court in the UK and in the first instance get my case heard locally and in the second instance have the further option of sending the bailiffs round when the defaulter simply ignores any court judgment against them.


If the client is based abroad, then the chances of bringing them to book are remote and improbable if they exist at all. Being a one-man band, I don't deal in the sort of figures that make extradition a realistic proposition, and suggestions of invasion or all-out war evaporate when I wake up. Nor, reverting to pragmatism again, is it feasible to sue them locally and, while the local public bar would no doubt be packed with eager volunteers, it's an expensive effort sending the boys round.


So from the point of view of resorting to legal redress, sticking to UK based clients makes sense.


It can be embarrassing, though, working in the UK and trying to explain our archaic and exploitative banking system. Clients from more enlightened countries (read; anywhere else on the planet) find it hard to believe that the money they sent by bank transfer a week or so ago has yet to emerge from that mysterious bourne where money temporarily vanishes to when it enters the British banking system and appear in my account. "Certainly we paid it", they indignantly assert in response to my timid query about, er, actual payment for my services. I feel like an idiot trying to explain that despite the interim period I still haven't seen hide not hair of any remittance.


I've known my bank to indignantly deny any knowledge of any monies being in the system the very day before it appears in my account, right up till closing time. I've logged into my online account the next morning and there the money is, in some cases to my intense relief. Paypal money can be transferred between international accounts in a matter of moments, so how can the banks possibly justify not operating at the same speed? My guess would be that they can't justify it but a succession of supine governments allows them to get away with this, bad for all other business though it is.


This regularly presents me with a dilemma - has the client paid me for the work already carried out or not? Should I do more work for them effectively on their say so - and remember, this is likely to be someone I've never met or spoken to even on the telephone, that's the nature of the business, you communicate by email - or do I do work instead for a known and reliable client who lives, relatively speaking, just up the road? Obviously, I have to do work for the known client as I can't live on assurances, which in some cases can mightily displease those whose patronage I would dearly love in order to be able to expand my business. Rosy visions of future prosperity have been known to gloomily recede under these circumstances.


So there's good and there's bad aspects to practicing search engine optimisation in the UK.


Pink the reigning queen of ring tones

With advent of real tones or MP3 ring tones, ring tone market has witnessed a great surge and various artists have been incorporated into this global business of ring tones. Musical ring tones created after editing favorite musical numbers of popular pop or rock stars have become order of the day. A good number of artists are competing to top the charts that do not hail from the world of music. Instead it hails from the world of ring tones. Some artists have even geared up to grab this opportunity to popularize their songs.


But right now I am going to talk about the artist that has left a good number of her superior rivals from the music world behind the ongoing MP3 ring tone battle and clearly seems to capture the imagination of a great chunk of mobile phone users in America. Folks! I am talking about Pink, the artist whose ring tones have set the world of ring tone on fire. An increasing number of Americans and Western people are seeking her numbers as ring tones.


This twenty seven year old lass from Doylestown tasted the success with her debut album “Can't Take Me Home” way back in 2000 and her second consecutive album “Get the Party Started” gave her the recognition, she truly deserved.


Her numbers like ‘You make me sick’ and ‘There you go’ became instant hits. And even now she is encashing on these numbers. These numbers are most sought after as ring tones. Right now it is ‘Stupid Girl’ which is high on ring tone chart. Pink’s other numbers like God id a DJ, Respect and Family Portrait are among popular choices by ring tone users.


Don’t Let Me Get Me and Misery are the other two popular ring tones by Pink. Pink could be truly considered as reigning queen of ring tones in United States.


Don't miss on this Pink rage and be a part of it. Even if you haven't heard Pink's music, I am sure her ring tones would make you buy some of her albums as she is a distinct voice in music world.


Breast augmentation considerations

Many women would like to take advantage of breast augmentation in one way or another. Many do not like the shape or size of their breast. Others are looking to have them match better. Augmentation can work to help you in any of these situations. You will find that you can make some serious improvements in your body’s look with these changes. But, what does it all mean to you? Should you be worried that something can go wrong, and how do you find someone to do the work?


Considerations in breast augmentation:


• First, get the consultation. Call your family doctor first and ask for a recommendation or you can look for those that are on your insurance plan. If you need additional help, interview and talk to several surgeons until you find one that fits your needs. You need experience, communication and also a good explanation what the results will be. You want someone that you trust and feel comfortable with.


• Get a few consultations. This is serious work that is going to cost you serious money! Make sure that what you want is what the doctor’s are going to provide as well.


• Talk to them about your health and don’t level things out. Also, find out what risks are involved in breast augmentation. What guarantee will they provide or they won’t.


• Ask any and all questions that you may have. Having all of your questions and fears taken care of will allow you to feel better about what is going to happen.


You will also want to talk about the emotional side of this as well. While you want your body to look good is the question, if you are able to understand that people are going to treat you different and that if something should go wrong it may look worse, then you can keep moving on. Getting a bit of counseling to insure your ability to deal with these outcomes of breast augmentation is necessary.


Thursday, October 20, 2016

Understanding how to get the best car finance deal

Finding your ideal car is the easy part, finding the best car finance deal to pay for your new car can be a nightmare especially if you know very little about the subject. Luckily there is an option which is available to everyone which makes life a lot easier when it comes to getting the best car finance deal possible and that is to go online with a specialist website.


Not only will a specialist site be able to find you the cheapest loan but they will also be able to offer you great advice regarding loans, one of the most confusing matters when it comes to car loans is the technical terms which are used; a good website will give you this information in plain English.


One of the biggest factors that you do have to take into account even when going with a specialist is to make sure that you can afford a loan in the first place. While this is only common sense some thought should be given as to how much you want to borrow up to a maximum, how much you can afford to pay back each month on the loan and whether you prefer a fixed rate or variable rate of interest on the loan.


When taking the cost of the loan into account don’t forget one very important point and that is the cost of the car for its running and maintenance. Factors to take into account here include the amount of petrol it will cost to run the car, how much the insurance will cost per year and also the road tax, all of these things will have an impact on your income and outgoings.


Loans and interest rates do vary from lender to lender and of course a specialist will realise this and are able to use their expertise to find you the best interest rate along with taking any other offers into account when getting you the best car finance deal.


Eating low on the food chain vegetarianism

Vegetarianism is becoming more and more popular. Some people chose to become vegetarian because of health issues, animal right issues or they simply don’t enjoy the taste of meat. There are several types of vegetarians which include semi vegetarians, who still eat meat, but eat meat and all animal products in small amounts. These type of vegetarians usually eat this way because of a health problem such as high blood pressure, obesity or heart disease. Lacto-ovo vegetarians don’t eat any meat but include dairy products and eggs in their diet, this is the most common type of vegetarian in Western cultures. There are also lacto vegetarians, who do not eat eggs, but still eat dairy. The last and most extreme type of vegetarian is a vegan. This type of vegetarian doesn’t include any type of animal products in their diet, including honey and gelatins. They often avoid wearing clothing made out of leather or wool and only use products which are not tested on animals. Most vegans become vegetarians because of issues concerning animal rights. Some vegetarians will only eat white meats, such as chicken or fish, or will only eat meat that is labeled “free range”, which indicates that the animals were not raised under cruel conditions.


A lot of people who eat meat can’t understand how a vegetarian can be healthy. The truth is that vegetarians tend to be a lot healthier than meat eaters. Statistics show that meat eaters are three times more likely to develop heart disease or breast cancer than vegetarians. Meat eaters are also 400% more likely to develop colon cancer. Eating too much meat has also been linked to obesity and excess weight. On average, vegetarians live about 6 years longer than meat eaters.


If you decide you want to become vegetarian, you have to make sure you are consuming enough healthy foods. A healthy vegetarian doesn’t survive off of white bread and pasta alone. Make sure to include a lot of fresh fruit and vegetables, whole grain pastas, breads and rice, lots of beans and legumes, soy proteins, tofu, and nuts. Make sure you get adequate amounts of calcium by eating a lot of soy milk, tofu, spinach, kale and other vegetables high in calcium. If you are still eating dairy products and eggs, make sure you are consuming them in healthy amounts.


By switching to a vegetarian diet, you will improve you’re health and lose weight as long as you are eating the right foods. There is a lot of information on the internet concerning the issue of vegetarianism, so you can find out which type of vegetarianism is right for you.


Wednesday, October 19, 2016

I m new to ebay what scams are out there

I have been looking at the possibility of doing some Ebay trading. And, since I have been on the Internet for a while, I decided that I should see what Ebay scams, if any, was floating about. Why? It is always good to be aware of the good, the bad, and the ugly of any online venture. And since, I’ve seen all sides – it’s wise to have cautious optimism.


Wholesale List Scam


With this scam, the wholesaler gives you a photo of say, a computer monitor or DVD – the buyer is under the assumption that they are buying a monitor or DVD, right? Wrong? You may only be buying a wholesale list. This is what they call a “bait and switch”. They are hoping that the individual is in a hurry or cannot read English well, and they blindly buy. Rule of thumb: read


everything before buying.


Note: Wholesale List scams are very common for monitors, laptops, camcorders, DVD players, flat screen televisions and mp3 players; cutting-edge electronic devices.


Fake Money Order


The buyer sends the seller a fake money order, a bad check – and the seller sends the item before the money order or check has been successfully cashed. Seller is out the item and the money.


Credit Card Chargebacks


The buyer pays with a credit card through Paypal. Once the buyer has received the item, the buyer initiates a chargeback. This is where the novice come in, if you do not have proof that the item was sent – you are out the money, the item, and you have to pay a chargeback fee. Rule of thumb:


Send your item through UPS, or certified mail to protect yourself.


Fake Escrow Scam


The scammer says that they want to buy your item, but they want to use an escrow service. The purpose of the escrow service is to add a layer of protection for the buyer. They will hold on to the money, and once the buyer has received the item from the seller, the escrow service will release the money to the seller. This is where the scam comes in – The buyer will request that you use the escrow service that they, so they say, have used with other transactions. The escrow service is a front – set up by the buyer.


Email Ebay Scam


The email Ebay scam – is an email that says it has come from Ebay. The email will state that it looks like your account has been compromised and they would like your to verify the information, for your protection, of course. Never click the link. Open a new Internet session and manually type the information to get into your account.


Other email scams, include the fake payment received email. You will receive a payment-received notice, that looks authentic, but be aware, it could have been sent by the buyer. Never send anything, until you have verified that the payment has been received and the info received is valid.


To conclude, when you are looking at any new venture, it is always good to do the research and be aware of what you may be up against. It hard enough to start any business – and you definitely don’t want anyone running off with your hard earned money. Being aware – can keep your business moving forward.


Holiday sanity savers from a mostly-sane mom

The Holidays are a stressful time. Between the additional errands, the extra traffic, and the stress of spending money that you don’t have – even the sanest mom will be questioning her sanity as the holidays near.


Here are a few ideas to help you keep your sanity this holiday season.


Make a list (and check it twice). Keep your shopping list in your purse to keep from being overwhelmed or worse – overspending. If you walk into a store and are bedazzled by all the shiny things, I can relate. I get so overwhelmed that I get nothing accomplished. But, as the Holidays near, I tend to switch into “SuperMarket Sweep” mode and I start throwing everything into my cart (whether I really need it or not). Having a list can help fight this urge, keep you sane – and help your budget stay sane in the process.


As soon as you start buying, start wrapping. There's nothing more stressful than tackling a mountain of unwrapped gifts two days before Christmas. Save on the cost of wrapping paper by buying it after the holiday each year and stowing it away for next year. Be sure to attach gift tags as you wrap. If you're wrapping a month in advance, there's no way you're going to remember what that funky rectangular shaped box is, let alone who it's for.


To save time and sanity, wrap gifts that go together in all the same paper. For instance, wrap all gifts that will be going with you to your mother-in-law's on Christmas Eve in the red paper with the gingerbread men. And put all gifts for your friends and neighbors in the blue paper with the snowflakes, etc.


Cook in advance. Did you know that you can make mashed potatoes during the summer, freeze them, and have them ready for the holidays? Mashed potatoes can be kept in the freezer for months if you use a freezer-friendly recipe. Cook your mashed potatoes in advance and offer to bring them to Christmas dinner. You can skip the stress of cooking, because they’ll be ready and waiting for you.


Limit your travel. The holidays are about family, but they are also about togetherness and making memories. If you’re spending your holidays trapped in the car together, driving down icy roads, stressed out, consider ways to travel less.


The Holidays are a time to make memories. Oftentimes the memories we are making are of a stressed-out mom, running around missing out on all the fun because she’s trying to create a perfect moment. Instead, relax and experience the holidays with your family. Between a little planning and taking some of the pressure off, you’ll have a Holiday that would make Norman Rockwell sigh.


Basic soccer rules

Soccer rules - Despite being a sport with roots reaching out to medieval and even ancient times, soccer was never really played under a set of strict rules until 1863.


On 26 October, 1863 several amateur and semi-professional clubs from England gathered up in London and formed up the Football Association and devised a "constitution" for the game, including a set of standardized soccer. Obviously the "Laws of football" as they were called back then were just a set of basic soccer rules and they didn't cover all aspects of the game.


The main points covered by the Football Association were regarding violence on the pitch, as oftentimes the tense clashes in no-rules matches lead to bloody fistfights between the teams. Since then, soccer rules constantly evolved and began covering more and more of the game's principles and also adapting soccer to the age it was played in.


A simple example of this would be the offside rules which was introduced later on in the game, when matches became more and more tactical.


Without the offside rule, attackers would often have a hibernating role in the team, simply staying up front and waiting for the ball to come, hence with the new rule, they were forced to work as much as the other players on the pitch.


Let's take a look at some of the official soccer rules of today and give them a small explanation for why they are there and how they affect the game:


Soccer field dimensions - since not all soccer pitches could share the exact same size, FIFA decided a small length and width size threshold in order for a pitch to be playable. So the minimum length of a soccer field must be of 100 yards (90 meters), whereas the maximum length must be 130 yards (120 meters).


A bigger size difference was allowed for the width, which can be as small as 50 yards (45 meters) and as big as 100 yards (90 meters). You might have noticed that the minimum length coincides with the maximum width! Although strange indeed, soccer could actually be played on a square field, however for entertainment's sake no one built that kind of pitch yet (thankfully).


Number of players - The official soccer rules book states that each team can enter the field with 11 players (one of which is the goalkeeper).


The number of substitutes depends on the competition the match is played in, but in official FIFA matches the number of substitutes can range from none to 7, with 3 substitutions eligible for each of the two teams.


However, in friendly matches, it's often the case that both teams agree upon a set number of substitutions or simply go all-out and allow every bench player to get in the game at some point, replacing one of the first team members.


Ball in/out play soccer rules - The ball is in play whenever the referee doesn't intervene whistling a game stop and whenever it stays inside the play area.


If the ball crosses the goal line or touch line by more than half its circumference, then it goes out of play and a goal kick/corner or throw in is given to one of the teams (the opposition of the team that last touched the ball). If a ball hits the referee, the corner flag, the goal post or any other object on the pitch, the game remains in play.


Fouls - Fouls are one of the most problematic soccer rules nowadays, since they can be easily misjudge or interpreted by the referee, which often causes arguments on and off the pitch. Theoretically, a foul is whistled and a direct or indirect kick is given when a player trips, kicks, pushes, punches, charges or holds an opponent.


However, in the fast pace of the game, it's often hard for the referee to see if a tackle touches the feet of the attacker or the ball. It's considered a foul even if the defending player doesn't touch the attacker at all, but has a dangerous intervention such as a high kick.


Goals - Last but not least, the essence of soccer rules and the object of the game itself, the goal.


In order to score a goal, the attacking team must pass the ball beyond the other team's goal line. The attacker can kick the ball, head the ball or push it in with any other body part other than the hand (in which case it is considered handball).


Not all shots that end up in the net are goals though, as a goal can be cancelled if it was scored after the attacker broke one of the other soccer rules, such as fouling a defender or the goalkeeper, using his hand to control the ball, being offside or scoring directly from an indirect free kick.


These are the basic soccer rules and although there are a few smaller twists to learn, if you manage to understand these, you'll be able to watch, and understand a soccer match without problems. Outside the offside rule the other official soccer rules are quite easy to grasp.


Tuesday, October 18, 2016

I know my destiny can i change it

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Destiny, another common word that holds a lot of meaning. How many times have we used this term in vain?? What does it mean? Most commonly it means an event or a course of events that will inevitably happen in the future. In other words, fixed natural order of the universe. How many times has something happened, something we cannot really control and we can’t help but say, "I don’t know what to do? Its destiny!”

There are several ways to go about understanding destiny. There is the spiritual/ religious way, scientific way, and then there is a way that says that destiny is nothing but something made up or fictitious. It is widely believed that our lives are fixed by an almighty power that decides our fate, Hinduism believes in the law of karma. It states that our life is dominated by that actions or "karmas" of past life. It believes that good deeds lead to "punya" and bad deeds lead to "paap" and on the bases of our karma, we get happiness and suffering in our next life. It is also believed that there is a god up there looking down on us, keeping record of all we are doing, I had heard this in a movie, but it made a lot of sense to me. The message was that god has chosen 10 doors for us, but he leaves it to us to choose which one is right for us. It just depends on us to find the rite way.

Our modern world is highly dominated by logic and science. So as always there is a scientific view of things. Our perception of what our life is going to be like is dominated greatly by many aspects of our environment. When you are growing up your beliefs and attitude towards life, your spiritual or religious background, what part of the world you live in, your confidence level, the locus of control are greatly influenced by your parents. These factors also play an important part in your understanding of the word called “destiny”.

If your parents are strong believers, living with them and learning from them you sub-consciously have the same beliefs. Then in college you get influenced by your friends and what they think. Suddenly what you learnt at home and at school is overridden. Yes, you certainly still believe that destiny does exist but are a little confused whether to listen to your friends or believe what your parents say, what your religion teaches you.

But another question may arise, who really thinks of destiny when they in college? Yes college is the time of life almost no one forgets, your first dance with your date, first set of exams after all the fun and games that made you so nervous. The first time you fell in love. Doesn’t everything just look so beautiful? But then if you fail that exam or have had your heart broken or both and you don’t quite understand why this is happening to you? Did you do something horrible to deserve this? or was it just destiny?

But sometime in all our lives we all have gone through some or the other phase where we think to ourselves that it was destiny playing a prank on us. You not only think of destiny when we are sad but also when we are happy. When you find a spouse, someone you really love, or when you have been working so hard and finally get a break you were looking for. What ever the reason be we wonder about our destiny when we don’t really understand what is going on. But not everyone is so like minded. There are so many others who do not believe that their life is already decided. They very strongly believe that their life is in their hands, destiny has nothing to do with it. Everything is simply a matter of cause and effect.

Interestingly, that is something similar to what the Caravaka School of philosophy believes. They say that there is nothing called past life, future life, hell, heaven, etc. The past is gone and can never come back, the future is unknown and is unsure, the only certainty is the present. So enjoy the present and live life to the fullest. Many people believe this. May be not to the extreme but they do, to them life is just the consequence of choices. Everyone is entitled to their own point of view. No perception is right or wrong.

So many people, everyday, begin their day with new aspirations of doing something new, something productive, so often they go through the daily news paper and read their “luck” and know what is stored for them during the day. So I pause with the question, can knowing our destiny really change it? The answer to this is a paradox. I personally believe that life is full of decisions and choices. Each decision alters our life in one way or the other, and knowing what is written in our destiny can help us make better decisions.

Humans are ultimately hedonistic and we all want what is best for us and for the ones we love and care about. Knowing what the future might hold can show us a way, or may give us hope that something wonderful is waiting for us. We can spend most of our life dreaming about something wonderful to happen to us or we can work hard to achieve what we want. Either way the future is going to come. All we can do is make the right choices with the available knowledge so we can get there.

But then it is also true that what ever happens, happens for a reason, may be that finding out what is in our destiny is a part of the destiny itself. It could be that we are destined to find the knowledge so we live our life better and healthier. Well, to conclude, it is safest to say that whether knowing destiny can change the future itself, well at this moment I would only conclude that you can run from it but you can’t hide!!

Monday, October 17, 2016

Revolutionary workout routine for burning maximum body fat

You only have two choices when it comes to losing fat...


Either you chase the pill and powder hype, or you do it the real, proven, effective way. The choice is yours, but I'm hoping that you're reading this article in hope for a healthy solution, not a chemically-tainted one.


There is no real secret to losing fat. There are better solutions that many people are unaware of, but there are no secrets. As a health and fitness consultant, my objective is to help you get informed on the best possible methods of losing bodyfat.


It all boils down to three simple things. You need to eat right, exercise often, and change some habits. The main objective of this article is to lay out the exercise and workout component. Based on extensive research and real-world results, I've identified a workout routine that is sure to deliver great results.


The following workout routine incorporates cutting-edge science with the methodology of some of the elite trainers in the country. Give this workout a shot, and you should be able to lose a considerable amount of bodyfat, without losing muscle mass or going on starvation diets.


The principles are simple, yet powerful. Basically, the emphasis of this workout routine is to force your body to burn fat for fuel, and elevate your metabolism for a prolonged period of time. The key principles are pre-workout preparation, short weight training, and variable intensity cardio.


Anxious to get started? Check out the fat-burning workout routine below:


*Pre-workout*


This is a very important phase. Preparation during this phase can help you burn bodyfat for fuel and gain the energy needed to sustain a fairly intense workout.


- Make sure you haven't eaten for 2 hours prior.


- Take natural green tea extract, standardized with 60% polyphenols and EGCG as the marker compound. Green tea is a wonderful energy booster and it has been proven to help the body burn more fat than caffeine along.


- Be well hydrated - Water is your best friend for fat-loss. It helps to increase your metabolic rate, increase your muscle contractile strength, and increase aerobic ouput.


*Workout*


First of all, you have to warm-up properly to promote blood-flow. Secondly, a short weight training session before your cardio session depletes glycogen. Glycogen is the substance that is burned before your body taps into fat for fuel. Lastly, the cardio you'll be performing is of variable intensity. Basically, variable intensity means that you don't perform the cardio at the the same intensity, but rather you change the intensities to prevent your body from adapting.


- 5 minutes light aerobic exercise


- 20 minutes medium intensity weight lifting


--- Squats or leg-presses


--- Leg Curls


--- Bench press or chest press


--- Machine rows


--- Lat Pull-downs


--- Hanging Leg Raises


--- Weighted Crunches


--- Sidebends


- 30 minutes fat-burning cardio


--- Variable low to medium intensity (Switch speeds or intensities frequently. Don't do the same intensity for prolonged periods)


*Post-Workout*


- Drink 20-26 ounces of purified or spring water


- Wait 1 hour


- Then, consume 300-400 calorie meal with 50-25-25 caloric ratio (Carbs-Fats-Protein)


- Eat same meal every 3-4 hours


The post-workout guidelines are straight-forward. Water is essential, and eating the right meals is key to keep the metabolic fire burning. Small, frequent meals is one of the best ways to keep the calorie burning at a high level.


Give this workout routine a try, and you'll see the difference it makes in your overall physique. You will feel fit and look toned. In time, as the fat just melts away, your current wardrobe might feel a lot looser. Just don't say that I didn't warn you.


There are may more tips and tricks you can apply for burning maximum bodyfat. The key is to find the right information and apply it in your workout routines. Always remember, the supplement industry may not have your best interest in mind, and when you're buying a fitness book, don't judge it by its cover.


Designing a website that loads quickly

The amount of time it takes for your website to load onto the visitor's screen is a major influence on traffic to your site. Research has shown that most internet users will leave your website if it takes more than 10 seconds to load and some potential guests will exit even faster. A quick loading website is vitally important to the success of your site.


There are a variety of different ways a person may access your site. Individuals still using dial-up connections will typically see the slowest load times. If you have a site that loads slowly for high speed internet users, chances are that those with dial-up will give up long before the site is loaded. To get visitors to browse your website, it must load quickly.


One way to tell if your website may load too slowly is to check your visitor statistics. Look for a high number of page loads for your home page with little or no activity on the other pages. This could mean your visitors are clicking away because they become tired of waiting for your page to load.


To ensure a quick and efficient loading time, monitor the size of each of your website pages, as well as the download time. There are a few other things you can do to increase your loading time as well.


Weigh Your Graphics


Images, pictures, and other graphics are one of the main causes of slow loading web pages. Use a minimal amount of graphics in your website design, only using those that are really necessary. If your page is loading too slowly, reevaluate your graphics and eliminate more if possible.


Revise Your Code


Unnecessary coding can create a larger file size that slows down your page loading. Design your pages using style sheets to decrease the amount of HTML coding in each page. You can also use a tool like HTML Tidy to eliminate any coding within your page that is not needed.


Resize Your Images


If you have eliminated your unnecessary coding and unneeded graphics, but still experience sluggish loading times, you can resize your graphics. Using a photo editing program like Adobe Photoshop, you can make the images and pictures you need to keep in your website design smaller so they load faster.


Evaluate Your Web Host


A website can only be as good as the web host. If you have followed the previous suggestions and still have slow loading web pages, your host could be to blame. Test the loading time of your website on other computers with various types of internet connections and if the problem remains, you should consider contacting your hosting company to discuss the issue. If your situation is not resolved, it may be time to find a new web host.


Fast load times will increase your traffic and visitors will browse your site longer. An increase in traffic and visitor lengths can only bring an increase in sales!


Law of attraction how to be a money sucking magnet

You are about to discover one of the important steps to allowing the law of attraction to bring you riches beyond your wildest desires.


One of the biggest flaws that most people make in their desire to attract more money into their lives is their inability to be flexible about the way in which money enters their lives.


Perhaps you are one of the people who have discovered the law of attraction and you may be wondering how you can increase your finances. Maybe you are duped into believing that you can wish away and make millions on the lottery.


It isn’t that you couldn’t win the lottery it is just that you are missing one most vital tool to doing so and that is the power behind the intention. This of course is a secret few people realize and so people flounder with their manifesting techniques.


It is surprising just how many educated and seemingly intelligent people spend most of their time dreaming up a win in the lottery. There is nothing wrong in dreaming of winning the lottery. However what is limiting about that focus of ones energy is how limited it can make a person.


People who are discovering the law of attraction do not open themselves to the many possible ways in which money can enter their lives.


People have forgotten that life is a school for greater learning of the soul and if you allowed yourself to become inactive and lazy you would surely miss the many wonderful schools of teachings.


There are many lessons which the universe has to teach you about your very own self and that can only be done though your interaction with others. The dynamic flow between others is far more rewarding and it is also the true secret essence to amassing money and great wealth.


Did you get that secret? Did you hear it or did you fly pass it?


True money attraction requires that you be open to the magic right around the corner and it starts with the exchange of your talents and abilities to give and nurture the lives of others. You can start where you are at your job. You can begin to interact with the boss in a certain way and that way will bring you money beyond what you have previously experienced.


You do have the power to manipulate money as long as you understand the energy that goes with money.


Discover the advanced techniques to spinning money out of thin air using the law of attraction. Discover just how you can attract wealth exactly where you are.


Steps in information sharing

Information sharing is one of the most important aspects of driving web business. If you have a website and if you are not able to share relevant information regarding your service or product with your readers or internet users then it will greatly impact the web traffic to your website. There are quite a few advantages of effective information sharing and they are:


• It will help in building instant credibility


• There will be a higher number of inbound links


• Your website will achieve a better SE ranking


• There will be an increase in the number of visitors to your website


• At the end of the day, all this will generate sales or increase revenue


Well! These are some of the benefits that you will derive through information sharing but it is not as easy as it seems. There is a step-by-step process that goes behind it and if you follow them to the suit then you will be able to not only capture your target audience but also get ahead in the internet rate race.


Let us take a look at the various steps:


Step I: Add relevant and useful information


Content creation is a process and the only way to get meaningful content is by adding relevant information; information that is useful for the reader. This is where you should also apply niche writing. If your website is selling a product like camping tents, then provide as much information as possible regarding the product and how it can be useful to the buyer. Write about how to camp, what are the altitudes where you can use a particular camping material, what are the various benefits, etc.


If you feel that you are unable to provide the type of content required then you can hire content writers who can do the job for you. It is an affordable option and these days most writers are aware of the requirements of various search engines and they will be able to churn out some really informative content for you.


Step II: Make your content Viral


If you want your content to spread across the internet rapidly then the best option is to make it viral. All you have to do is add a small footer in every article stating that readers can re-publish this article/the content. Here’s an example:


{Start Footer} Article by John Scali of johnscali. com - A definitive guidebook to landscape photography. You are permitted to use the article on your web site but please make sure to include this footer. {End Footer}


It is important to include a link to your website in the footer where the anchor text will be a keyword phrase like landscape photography, which is the hyperlink. Due to the growth of links across the web, your website ranking will also increase for the particular keyword phrase i. e., landscape photography.


Step III: Internal Publishing of Content


There are many ways of publishing content and the web is one of the most powerful publishing sources. But before you publish your content on the web, you need to publish it internally. One of options is to introduce the content to your subscribers. If you are publish it on the web then maintain a single page listing of all the articles. The list will ensure that the search engine spiders are able to find all the valuable information with ease.


Step IV: External Publishing of Content


When we say external publishing, it means publishing the content in other websites, e-zines etc. There are many free and membership oriented websites and directories where you can submit your articles. There are also some online magazines that may be targeting audience who might be interested in your product or services. Contact such editors and have your articles published on their website. This will help you to share information with a wide base of audience.


While publishing content externally, include footer where you can mention your website URL. This will help in driving traffic to your website.


RSS, Google, Marketing, SEO Services, Search Engine Optimization specialist, SEO, Company, internet marketing, link building, SEM, ROI


Blackjack strategy

Blackjack, the card game that adds a dash of European style to American casinos is simple enough: At the start of each round you get two cards and so does the dealer, one of which is shown. Keep drawing cards until you hit a total value of 21 or quit just before you go over the limit and bust. It's you against the dealer and whoever comes out on top gets the winnings. At first glance the game seems one of chance an intuition. After all, you can't know what card is coming up next. However one of the reasons that Blackjack is so popular is that there is a strong element of skill involved. Rather than just trusting to blind luck you can play your cards wisely and hopeful leave the table with a fist full of dollars.


Perhaps the most important thing to bear in mind is that what matters is not just your card value but also the dealer's shown card. Winning is all about assessing your hand against the dealer's potential hand. Because the dealer has to hit on sixteen or stand on seventeen you can use this to plan out your strategy. The higher the dealer's shown card the stronger his hand is and the more trouble your are in.


Here is a quick list of possible cards showing in the dealer's hand and what they mean for you:


Ace: Big trouble. This round is going to be the dealer's unless you have spectacular luck.


10 or face card: Bad news for you. The dealer is in a strong position.


9 : Things aren't looking good. The dealer has got the upper hand here.


7 or 8: Loosen up a bit, you can beat the dealer on this round if you play things right.


4 to 6: The dealer has got that sinking feeling. This hand looks like it will be yours.


2 to 3: Be careful. It could go either way, so play cautious.


Always draw a card if your total is less than 11 because there is no danger of you busting. As a general rule you should always stand if your hand is 17 or higher. If you are on 13 to 16 only draw a card if the dealer is showing 7 or better.


If you hand totals 12 you should take a hit unless the dealer is showing 4 to 6. In this case the dealer may very well bust so you should sit tight and wait for that to happen.


If you play your Blackjack right you can narrow the house odds down to almost even and with just a little luck, you can come out ahead.


What cosmetic surgery is about

Most women never satisfy with their shape and size even though some of them have a perfect body already. Our demand for beauty never ends. If you are thinking along the lines of having cosmetic surgery for your problem, remember that some size and shape differences are normal and while breast implants will increase the size, they won’t correct basic shape and form defects. It is possible to have other forms of corrective surgery for that.


The breast implant operation is carried out under general anesthetic and involves the insertion of the implant by means of a small incision under the breast, the armpit or even the belly-button area. The implant is made of silicone that is filled with a saline solution. The shape is based on the individual needs of the patient.


Gynecomastia can be corrected by cosmetic surgery. This condition is affecting 40/60 percent of men in the USA, where fatty deposits due usually to an inherited factor cause enlarged breasts. This is called Liposculpture surgery and is a fairly recent development that will restore a thinner, more masculine contour to the chest.


It is a must that the patient-after-surgery should wear a snug-fitting garment for several weeks. This will minimize bruising and swelling and help the skin to shrink more quickly. Return to work varies depending on the job. Office workers can return sooner than those doing more physically challenging work.


Even though tummy tucks might sound simple and easy, any operation that requires a general anesthetic should be considered seriously. For this reason, never be afraid to ask about your surgeon’s qualifications and experience.


Mostly, a skilled professional trained in this field, excises folds of loose skin and fat, having previously marked the areas to be cut out. Slack muscles are then tightened before the operation is complete. The incision is usually made along the bikini line; the skin is pulled down and afterwards secured with several rows of sutures to minimize scarring. Fat may be harvested at the same time and frozen for use in a future Lipo-suction operation. This possibility should be discussed with the surgeon beforehand.


There are other operations involving a removal of sagging skin, which can be carried out on the thighs, upper arms and neck area. Moreover, face-lifts can be used to remove wrinkles and lift sagging areas and scarring is usually minimal, but if indulged in too often, the whole face can become a ghastly caricature of what Mother Nature intended.


Sunday, October 16, 2016

Search engine optimization history

Webmasters today spend quite some time optimizing their websites for search engines. Books have been written about search engine optimization and some sort of industry has developed to offer search engine optimization services to potential clients. But where did this all start? How did we end up with the SEO world we live in today (from a webmaster standpoint seen)?


A guy named Alan Emtage, a student at the University of McGill, developed the first search engine for the Internet in 1990. This search engine was called "Archie" and was designed to archive documents available on the Internet at that time. About a year later, Gopher, an alternative search engine to Archie, was developed at the University of Minnesota. These two kinda search engines triggered the birth of what we use as search engines today.


In 1993, Matthew Gray developed very first search engine robot - the World Wide Web Wanderer. However, it took until 1994 that search engines as we know them today were born. Lycos, Yahoo! And Galaxy were started and as you probably - two of those are still around today (2005).


In 1994 some companies started experimenting with the concept of search engine optimization. The emphasis was put solely on the submission process at that time. Within 12 months, the first automated submission software packages were released. Of course it did not take long until the concept of spamming search engines was 'invented'. Some webmasters quickly realized that they could swamp and manipulate search results pages by over-submission of their sites. However - the search engines soon fought back and changed things to prevent this from happen.


Soon, search engine optimizers and the search engines started playing some sort of a "cat and mouse" game. Once a way to manipulate a search engine was discovered by the SE-optimizers they took advantage of this. The search engines subsequently revised and enhanced their ranking algorithms to respond to these strategies. It was clear very soon that mainly a small group of webmasters was abusing the search engine algorithms to gain advantage over the competition. Black Hat search engine optimization was born. The unethical way of manipulating search engine resulted in faster responses from search engines. Search engines are trying to keep the search results clean of SPAM to provide the best service to customers.


The search engine industry quickly realized that SEO (Search Engine Optimization) as an industry would not go away, and in order to maintain useful indexes, they would need to at least accept the industry. Search engines now partially work with the SEO industry but are still very eager to sort out SPAMMERS that are trying to manipulate the results.


When Google. com started to be the search engine of choice for more than 50% of the Internet users it was highly visible to anyone in the industry that search engine spamming had reached a new dimension. Google. com was so much more important to the success of a website that many webmasters solely concentrated on optimizing their sites for Google only as the payoff was worth the efforts. Again - Black Hat SEO took place, pushing down the honest webmaster and their sites in search results delivered. Google started fighting back. Several major updates to Google's algorithms forced all webmaster to adapt to new strategies. Black Hat SE-optimizers but suddenly saw something different happening. Instead of just being pushed down in the search results their websites were suddenly completely removed from the search index.


And then there was something called the "Google Sandbox" to show up in discussions. Websites either disappeared into the sandbox or new websites never made it into the index and were considered in the Google Sandbox. The sandbox seemed to be the place where Google would 'park' websites either considered SPAMMY or not to be conform with Google's policies (duplicate websites under different domain names, etc.). The Google Sandbox so far has not been confirmed or denied by Google and many webmasters consider it to be myth.


In late 2004 Google announced to have 8 billion pages/sites in the search index. The gap between Google and the next two competitors (MSN and Yahoo!) seemed to grow. However - in 2005 MSN as well as Yahoo! Started fighting back putting life back into the search engine war. MSN and Yahoo seemed to gain ground in delivering better and cleaner results compared to Google. In July of 2005 Yahoo! Announced to have over 20 billion pages/sites in the search index - leaving Google far behind. No one search engine has won the war yet. The three major search engines however are eagerly fighting for market share and one mistake could change the fortune of a search engine. It will be a rocky ride - but worth watching from the sidelines.


Saturday, October 15, 2016

You can save your home how to avoid possession orders turning into eviction

There are many companies who are experts in remortgaging for people who have credit problems, including mortgage arrears and imminent repossession. They get hundreds of calls every week from customers who face circumstances that to them seem dire – many even face the threat of eviction.


In almost every case, they’re able to help them keep their homes and set up a new mortgage with a repayment plan that will suit them.


Debt can be a very difficult thing to deal with. Often, one or two missed payments can start a downward spiral that becomes increasingly difficult to stop.


A common factor seems to be that repayments on borrowings (usually on unsecured loans, retail finance and credit cards) start to outweigh the amount needed for basic costs – with the result that you have to borrow more money just to take care of your basic needs.


It’s a snowball effect that goes from one or two missed credit card payments to missed mortgage payments. With the monthly mortgage payment usually the largest single outgoing for most people the temptation to miss one payment to try and alleviate other debt and relieve the immediate financial pressure is often great.


However, without drastic action one missed mortgage payment can lead to another and very soon you’re facing a County Court appearance added to the persistent emails, telephone calls and letters from your other creditors.


It’s a highly stressful situation to be in and for a large number of people the temptation is to bury your head in the sand. Unplug the telephone. Don’t open the post. Don’t check your emails. After all – it’s just going to be more bad news - right?


It's called the ostrich effect – many people in this situation simply can’t believe it’s happening to them. Even with a possession order in place, they keep telling themselves, “It won’t happen, it can’t happen.”


The hard fact is – it can and it does. Losing your home is a devastating experience and it can be the beginning of a tragic downward spiral in many people’s lives.


One missed mortgage payment can be enough for a mortgage company to start repossession proceedings and that means a County Court appearance.


If you can’t convince the court that you are able to clear the arrears – or if you fail to turn up for you County Court hearing they will issue a possession order. This gives you 28 days to settle your debt or face eviction.


Now comes the crunch.


If you act now then you could save your home. By acting quickly, the situation can be resolved. One call could be enough to sort out all your problems and let your start afresh, free from your immediate credit problems.


It's often asked, “I’m having all this trouble with the loans I already have. Why would I want to get another loan?”


The initial answer – and one that is often overlooked is that you could actually have enough money in your home to resolve all your debt issues. The problem for most people is how to get access to it.


Once you’re in debt, with a County Court Judgement against you and possibly facing imminent eviction you will find it difficult to get approval on a new mortgage with a High St lender.


Fortunately, they is an abundance of specialists in remortgages for those with debt problems. Once you contact them they can arrange a loan that:


a) Relieves the immediate problems caused by debt - imagine all that stress fading away instantly!


b) Consolidates all your debt in one place, with one monthly payment.


c) Has a repayment plan that suits your lifestyle.


d) Saves the equity in your home.


At any stage before eviction, you can apply to the court to suspend action – even if you’ve been served with a possession order. The company you choose to act on your behalf can make representations to the judge and you can keep your home.


Cuckoo clocks tracing the history

The craft of clock making is said to have started in Black Forest, Germany. The abundance of both time and woods have fashioned the idea of creating clocks, which was followed after an imported clock from a nearby area.


The first clocks that were produced in this region were rather primitive but are great alternatives for the sundials hourglasses that were ordinarily use during those times. Wooden toothed wheels were the first parts and the weights are normally made of stones. The pendulum was created from the wood named as Waag that runs back and forth on top of the dial to keep the cuckoo clock in time.


In due time, the inhabitants of the Black Forest became artisans in their own fields. Some specialized in wood carving, others on clock making. Still others became clock painters while some make the toothed wheels and the chains.


And from this peaceful countryside of Black Forest town of Schцnwald, Germany did the cuckoo clocks originated. Later, cuckoo clocks have gain worldwide popularity due to their uniqueness. What was originally the Dutch clock was reinvented to capture a nature's sound-the cuckoo's call. Franz Ketterer outlined the system of a clock that imitates the whistles and billows of the cuckoos. Refinements on the original design of the cuckoo clocks had led to the familiar set of a chalet or a birdhouse.


Since 1738, the production of the cuckoo clocks is still centralized at the Black Forest area in Germany, specifically in Neustadt and Triberg. However, cuckoo clocks are often thought of having its origin from Switzerland.


This confusion may have been due to the fact that there are other versions of the cuckoo clocks from neighboring regions, which had been around for quite some time even before the making of the cuckoo clocks. One good example is the rooster clock.


A cuckoo clock typically has a pendulum built into it. Conceptualized after the striking of a gong, the cuckoo clocks are characterized by whistles and billows that are imitated after the calls of the cuckoo birds. The designs of ordinary cuckoo clocks are often conventional with birds popping up from the openings and rustic designs all over with occasional nature designs like animals and leaves. Cuckoo clocks are hanged on the walls and are frequently enclosed in wooden boxes.


As the clock strikes, the bird that is hidden within the cuckoo clock appears through the trap door and vanishes immediately after the striking is done.


The typical cuckoo clocks have birds that move everytime the clock strikes. This is done through an arm that is being lifted from behind the carving. Most cuckoo clocks are programmed to play musical tunes from a musical box before the hour strikes. This type of cuckoo clocks has other automata that creates the musical tunes. Most clocks are driven by weight, they are seldom made with spring drives.


With modernity comes the change in the cuckoo clocks. There had been created clocks that imitate the billows and whistles of the cuckoos, only electronically. Mostly of these are fake quartz that runs through battery.


With the clocks' fame, many of them have moved their ways into the homes worldwide. Many are still fashioned after the traditional cuckoo clocks but many were created with the touch of modernity. A display of these clocks is a genuine mark of Germany.


Super-inclusive vacation packages simplifying your planning

Are you interested in taking a trip within the next year? Whether you are interested in taking a vacation, a romantic getaway, or a honeymoon, it is advised that you start making your vacation reservations as soon as possible. This is particularly important if you are interested in visiting an area such as the Caribbean Islands, like Jamaica, as they are considered popular vacation destinations.


As important as it is to make your vacation reservations in advance, there are many vacationers who put off the process as long as possible. While there are a number of different reasons for this, many dislike the hassle that is often associated with planning a trip. Yes, it can be time consuming, stressful, and frustrating to plan a vacation, but it doesn’t have to be. In fact, vacations are associated with fun and excitement and there is no reason why the planning of your vacation shouldn’t be the same way.


If you would like to plan your next trip, whether that trip be to Jamaica, the Bahamas, or another popular vacation destination, there are multiple steps that you can take to simply the planning process. One of those steps involves carefully choosing how you book your travel arrangements. Even if this is the first trip that you have taken out of the country, you likely already know that you have a number of different options.


One of your options, when it comes to booking a trip, is making your travel arrangements independently. While this is more than doable, you will likely find this to be the most time consuming process. Making your airline reservations first, your overnight accommodation reservations next, followed by all other additional reservations can be an extremely time consuming process. However, if you would like to save time and possibly money, you may want to examine vacation packages. Vacation packages enable you to make multiple travel arrangements all at once, in the form of a vacation package.


Vacation packages, saved time and saved money; they sound nice don’t they? What is even more amazing about vacation packages is that they come in a number of different formats. For instance, it is possible to find standard vacation packages, all-inclusive vacation packages, as well as super-inclusive vacation packages. In terms of just saving time, any vacation package type will do, but it is advised that you examine or place most of your focus on super-inclusive vacation packages. Super-inclusive vacation packages come highly rated and recommended by vacationers who have purchased them in the past.


Super-inclusive vacation packages, as you can likely gather from the name, are vacation packages that are large or super in size. Often times, the only difference between all-inclusive vacation packages and super-inclusive vacation packages is the accommodations and amenities that are included. For instance, an all-inclusive vacation package may include airline reservations, overnight accommodations, such as a vacation resort, as well as food and drinks at that resort. As for super-inclusive vacation packages, they often include more than just overnight accommodation reservations, airline reservations, and food and drinks. Many super-inclusive vacation packages include entertainment activities, like a concert or a round of golf, as well as other onsite services, such as childcare or laundry.


As previously mentioned, super-inclusive vacation packages are most well-known for their time saving abilities. This is especially apparent when you examine all that super-inclusive vacation packages include. When you purchase a super-inclusive vacation package, your airline reservations and overnight accommodation reservations are automatically booked and your meals are all taken care of. The same can be said for any entertainment activities that are included in your vacation package. The ability to not only make your vacation reservations, but also have your vacation activities all planned out for you can save you a considerable amount of time, as well as stress.


If you would like to reduce the amount of time and stress that it can take to plan a trip, you will want to take the time to seriously examine super-inclusive vacation packages. When purchasing a super-inclusive vacation package for you and the rest of your traveling party, no matter how large or small it is, it is important that you do business with a company that is reputable, as well as well-known for their ability to delivery what they promise. For that reason, you will want to examine Superclubs. com and all the vacation packages that they have to offer.


Friday, October 14, 2016

N a s c a r merchandise

The sponsors of a NASCAR racing team want to give fans something to hold on to so they can remember the good time they had at the NASCAR track during NASCAR racing season. Some NASCAR fans select NASCAR merchandise that has the name of their favorite driver on the front and the other merchandise with the NASCAR emblem on it will go home with a fan who simply loves NASCAR and wants to wear the emblem to show people that they love a sport that is very competitive.


Some NASCAR fans want to own memorabilia that features the name of a certain racetrack. That NASCAR track might have been the place where two NASCAR fans fell in love and are back once again to see the race and relive old memories that are important to them. NASCAR racing is a family oriented sport and star crossed lovers will usually bring their children back with them one day. Each and every child is sure to want some type of NASCAR merchandise to take home to commemorate the memorable event called NASCAR racing.


There are people who want to collect any type of merchandise that bears the NASCAR logo. Some NASCAR collector's get their start in trading NASCAR memorabilia by taking home a cushioned seat from a memorable race. After they see the amount of interest that people in their hometown have about such a simple item, they might delve into the other possibilities of trading NASCAR collectibles and branch out to bobble head dolls and other racing memorabilia.


A fan might prefer to take home NASCAR merchandise that comes directly from their favorite driver. These fans get into collecting photographs of the racetracks where NASCAR races are run throughout the country. They might continue their photo collection by searching for photo opportunities that are provided by each driver. The collectibles of NASCAR are often more collectible if they bear the signature of the driver. NASCAR has merchandise for sales at the tracks that is autographed at some point by drivers and shrink wrapped.


NASCAR fans know that there will be a lot of choices to make when it comes time for them to select a piece of merchandise at the track. All of the authentic NASCAR collectibles will be ready for fans to take with them when they leave the track. Some merchandise is very special and cannot be endorsed by a driver until the end of the season because it is the merchandise that declares which driver is the winner of the Winston Cup point's series.


NASCAR fans might select miniatures of the Winston Cup trophy or a die cast car that bears the winner's name for a certain race. The automobiles for NASCAR are one of the best sellers at the racetrack and fans know that if these items sell out, they can still be obtained through mail order catalogs and vendors throughout the country who are licensed to sell NASCAR merchandise. At times, the NASCAR merchandise left over from last racing season has doubled in value but still sells for the original asking price at many retailers.


Wednesday, October 12, 2016

Choosing the best credit cards for you

The best credit cards for you are those tailored to your individual financial needs and objectives with low interest rates and, of course, those for which you will be approved. To find out what you’re looking for, answer the following questions:


1. Do you anticipate any large purchases in the next year (i. e. furniture, appliances, etc.)?


2. How long will do you anticipate keeping the principal of a purchase on your card?


3. Do you want to pay your entire balance every month?


4. Are you planning to use this card for purchases over a short time period or do you intend to hold it for a long time?


5. Do you currently have credit limits totaling more than 40% of your annual income or balances outstanding on those cards greater than 50% of the credit limit?


If you answered yes to the first question, you will need a card with a high credit limit and a low interest rate. This may seem obvious but not all people need these things. You may do best getting a card with rewards attached to something you are interested in, like an airline miles card.


If you answered greater than three months on the second question, you will need a low interest rate. Do not be discouraged by a low credit limit. The interest is where you will save money.


If you answered yes to the third question, you may be interested in finding a 0% interest charge card, such as American Express. These cards will not charge you interest as long as you pay your bill promptly and in its entirety every month.


If you answered that you want to hold on to your credit card in the fourth question, you should look for a moderate credit limit and a low interest rate. If you answered that you plan to use this credit card only in the short term, then you should look for a card with an introductory 0% interest rate. These are best coupled with a plan to pay off the balance by the end of the introductory term.


If you answered yes to either part of the fifth question, you may have some difficulty securing new credit cards. Part of your credit score is determined by the amount of credit you carry and the ratio of the balance outstanding to the credit limit. Some banks are unwilling to grant additional credit to those applicants whose credit scores are low due to outstanding credit, even if you have paid on time. The best credit card for you may be a card specializing in bad credit, regardless of how close you are to the acceptable credit rating.


Saturday, October 8, 2016

Life insurance vs life assurance

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People spend a lot of money on complicated financial products and it is sometimes difficult to keep track of what products perform what tasks. Many people are not aware of all the financial products that are available or they only know of them vaguely. They may not know how much they cost or the potential benefits they offer. How can consumers make informed decisions on what products they would be willing to buy if they do not have this basic information? This problem can often lead to consumers buying unsuitable of overpriced products simply because they feel they should have some financial protections available but don’t have the details to make an informed choice.

One of the common questions many consumers have is regarding the difference between insurance policies and assurance policies. Put simply, insurance policies cover the costs of an event that might happen while assurance policies will pay out on the occurrence of an event that is certain to happen. Insurance policies only last for a specific period of time. If the event occurs within that time, they pay out, otherwise they are finished. Therefore, if no claim can be made within the term of the policy, they have no remaining value.

Guaranteed Payout

An assurance policy is different. Assurance policies always pay out. For example, a life assurance policy will generally pay out upon death or upon reaching the age of 65. How does this policy work? Well, they combine two elements; an insurance element, which will pay out if, the person dies early. This will then be used to pay for the funeral or support his family. But then there is another payment made every year and this is the investment portion. The insurance company invests this part of the premium on behalf of the policyholder and when they reach the age of 65, they pay this out. Life assurance policies are therefore often used both as a method of life insurance and as a method of saving for retirement.

Do You Need Money Now?

If you wish to cash in the investment portion of a life assurance policy early this is generally possible. However, there will usually be hefty penalties added to this so it is unadvisable to cash in early if you don’t have to. The distinction between insurance and assurance is also becoming more blurred as more companies offer both types of policy or add features of one type of policy to their other type to make them more attractive. The distinction is still important so that you know what to ask for and know what kinds of facilities are available for insuring your life and providing for your future.

Friday, October 7, 2016

Is your life a do-it-yourself project

We all know life is full of choices. The most powerful choice you have to make is how you view your life.


Choice #1: Life happens, you react


Choice #2: You are the director of your life


The wonderful thing is that there is no “wrong” choice. Since it’s your life, you decide which is best for you. However, each option produces extremely different results. Perhaps the best approach is not to choose which option you like, but choose the option that has the end result you believe is best for you.


End Result of Life Choice #1 – Unknown


It’s impossible to determine the outcome here. Why? Because you’re letting everyone and everything else determine your life’s outcome. The one constant is that you will spend your life reacting to events around you.


But beware: many who choose this road end up considering themselves a victim of life. It’s easy to spot a Life Choice #1 individual – they are full of excuses and are quick to blame others. Like why they’re late every day to work (“traffic is horrible”), why they have no job (“nobody will hire me”), why they don’t have supportive relationships (“my parents didn’t teach me who to look for”), and in general, why they just can’t seem to get ahead.


End Result of Life Choice #2 – Known


The outcome here is much better defined because you are in charge. Essentially, your life is a movie, full of main characters, supporting casts, dramatic events, and even a few twists in the plot. The exciting part about Life Choice #2 is that you are also the director in your own life. What do directors do? Edit. Review. Revise. Add comedy, love, action – whatever it is that makes the movie best.


It’s easy to spot a person who’s chosen Life Choice #2 - you take responsibility for your actions and accept the consequences, both negative and positive. The end result is that your life is yours.


Who’s Your Life Director?


You…or everyone else? (Remember that not making a choice is not an option – it’s a passive way of picking Life Choice #1 - letting life happen.)


Now is the time to actively take control of your life. What path do you choose?