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Tuesday, January 15, 2008

6 Techniques To Beat Credit Card Debt

Did you know that credit card companies don't want you to pay off your credit card debt? Why would they? The more credit card debt you have, the more interest you pay to them. And interest is their lifeblood.

Credit card companies have helped to foster our acceptance of debt as part of our lifestyle. We keep spending more than we make by about 10% each month and keep adding to our debt. As those credit card balances keep growing month after month, so too do those minimum monthly payments. There will come a time when we will not be able to afford even those minimum payments. Many people have already reached and surpassed that point.

We have fallen into the credit card trap where we get sucked into the convenience of it all, easily put off payments, and overspend. Have you compared your monthly income to your monthly credit card limit? Pretty remarkable how much larger your card limit is. We use credit cards for just about everything and we have maxed out. The convenience has lulled us into the credit card trap.

So how do you break the cycle? It's all about changing your attitude towards credit card debt. Here are 6 techniques you can use to turn the table in your favor and allow you to break free of credit card debt.

1. Treat your credit card spending as a loan. Most people dont see their credit card debt as a loan. It really is just that. You borrow money and it has to be repaid. Its all about an attitude change.

2. Always watch your balance. Instead of looking at your credit card limit, look at your monthly earnings. Always make sure your credit card balance doesnt grow beyond what you can afford for the month.

3. Keep all your purchase receipts. Costly errors can be fixed quickly if you have the receipts. Also, they help you visualize how much you are spending. Put the receipts some place where you'll see them everyday. As the pile grows, you can see your debt grow.

4. Pay off your whole balance on time each month. This is the best way to break free of credit card debt. You dont pay interest and there are no late penalties. Over time, the savings can be huge.

If you're struggling to pay off your credit cards, there are many different options that can help for example, you can consolidate credit card debt or get credit counseling. They can make it easier to get a grip on your monthly payments.

5. Treat your credit cards as emergency cards. Don't take them shopping. Use cash or debit cards. If you use cash or a debit card, you can drain your bank account until it's empty but at least you can't spend any more. Amazing how in our society, we aren't comfortable about having our bank account balance go to zero but we'll let our credit card debt grow which, in effect, is taking our bank account below zero.

6. Keep your lowest interest rate credit card and cut up the rest. If you dont have them, they cant help you add to your debt.

The credit card companies have you right where they want you carrying high balances and paying lots of interest. However, by changing your attitude towards credit card debt and using these 6 techniques you can break free.

Thomas Erikson is co-founder of http://www.your-debt-consolidation-loan.com which provides http://www.your-debt-consolidation-loan.com/consolidate-credit-card-debt.html information and solutions.Casino Rancho Mirage60178
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Is It Time for a Band Manager?

Great Managers & How to Find Them

A rock headliner-turned-artist manager shares her insights into the business side of music.

By Maureen Herman

August 9, 2006

In 1991 I was living in a drafty warehouse on Chicago's South Side, practicing with my band in the basement and playing local clubs -- until I got a call that would change my life.

An old friend phoned with news that the bassist had quit the band and asked if I'd like to join. That band, Babes in Toyland, had just signed to Reprise and was about to record their major label debut. I joined. In two weeks I was on tour, with a recording session scheduled immediately after we got off the road.

In true punk rock fashion, we split all of the work. But things soon became hectic, and it became an overwhelming responsibility to keep on top of our business -- touring, recording, upgrading equipment, something about ASCAP, and needing someone to tell us that A&R didn't stand for Artists & Restaurants. We wanted an ally, someone like us who understood what we were doing, who knew the business and could help us protect our interests and image.

It was time to get a manager.

In all my previous bands, I'd never thought of having a manager or even known what music business people really did. Entrenched in the DIY ethic of Chicago's indie scene, when I pictured a manager, I saw a cheap suit, a cigar, and a snake holding someone else's money.

Fast-forward a few years, and today I'm a music business executive. I dress pretty cheaply sometimes, and I do smoke cigarettes -- but I know now that most managers out there are not thief-like Svengalis. By and large they're hard-working people from all walks of life, with a passion for music and a respect for artists. How do you find one of these managers -- someone who has the drive, if not the experience, to nurture your career?

Glad you asked.

Where do I find a manager and what does it look like?

'Be clear early on about where you could use some help. Look at the people around you -- can any of them offer you that help?'

Calling up a big coastal management firm is not the best first step in finding representation -- especially if you're a "baby band" (which is an unappealing term used by the industry to describe a band that's just starting out or shopping for a deal). The best thing to do is look at the people closest to the band -- people who appreciate what you're doing and can offer constructive support. It may be the friend who's always helping you put up flyers and load out equipment at the end of the night. Or maybe it's the woman who books the club you call home and awards you the primo slots. Those situations can grow naturally and successfully into management/client relationships. Witness Maggie McPherson, formerly booking agent for the Uptown Bar in Minneapolis, now manager of then-local bar band and current Columbia artists the Jayhawks.

Many managers, like me, become involved with no intention of full-time management. Instead, they see a talent, become passionate about its potential, and feel they can contribute something to that artist's drive for success. Steve Hutton of Upper Cut Management was a friend of Kid Rock's back in Detroit and, until recently, his manager. "There was a local band that I really liked," Hutton recalls. "I started working with them. I used that as an excuse to network and teach myself the business."

Like Hutton, Janet Billig at Immortal Entertainment has an eye for indie talent and has learned about how to develop it on the job. One of her first clients in the early '90s was Courtney Love and her band Hole; she now works with Lisa Loeb, Cibo Matto, and Guided by Voices, and partners in a film production company with Love. "At different stages of an artist's career, you need a manager to do different things," Billig says. "Sometimes newer artists think, 'I need someone to help me design flyers.' Well, some managers might be really good for making flyers, but that may not be the best use of their time or abilities. Think of how they can facilitate your goals instead of thinking of them as your personal assistant."

In other words, be clear early on about where you could use some help. Look at the people around you -- can any of them offer you that help? What could you give them in return?

'A manager needs to love and appreciate the music of an artist, but they also need to be able to tell them the truth.' -- Danny Goldberg

Is experience necessary in a good manager?

Let's say you're thinking about asking someone who has a track record with other artists to manage you. The fact that this person has been in the music business gives you grounds for doing some research. Danny Goldberg, currently Chairman & CEO of Artemis Records, founded Gold Mountain Management and counted Nirvana, the Beastie Boys, Bonnie Raitt, and Rickie Lee Jones among his clients. "If someone's dishonest with other people," he warns, "they're going to be that way with you. Bands should also avoid managers who are intimidated by them. A manager needs to love and appreciate the music of an artist and like them, but they also need to be able to tell them the truth, which sometimes includes bad news or advice they don't want to hear."

Sometimes these qualities can compensate for a lack of experience. "Depending on how far along the artist is in their development, the manager should have some skills and expertise in the business," Goldberg continues. "If they don't have direct expertise, they should have a temperament that makes them open-minded and able to learn."

Steve Hutton agrees. "People should not look down on managers who haven't had success yet. Everyone has to start somewhere, and frankly, a lot of times a new manager may be better than an experienced one, because you're probably going to be their only act and their most important work. The experienced manager has other acts and more things on their plate."

Beyond honesty and respect for the artist, what qualities are important for the novice -- and veteran -- manager? "Patience and perseverance are the two most essential qualities," says Hutton. "You cannot be tenacious enough. At the same time, you have to be diplomatic, creative, and intelligent."

That's just the beginning, according to Boche Billions, a.k.a. David Viecelli, of Billions Corporation in Chicago, a booking & management firm whose roster includes Nick Cave & the Bad Seeds, Southern Culture on the Skids, Wire, Calexico, and the now disbanded Jesus Lizard. "Besides the obvious things, it is about finding someone who understands who the band is, what they want to get out of being a band, and what the realistic expectations for that band are in the marketplace."

'Good managers are worth a great deal to an artist. And bad managers are worth zero." -- Danny Goldberg

What exactly do managers do?

"A lot of work goes into the public hearing the music," states Danny Goldberg. "It's time-sensitive, and it requires finesse and intelligence to avoid disasters. Whether it's something going wrong in a club, the relationship with the media, the record company, the attorney, or the booking agents, I don't know if artists are always aware of how much work it is. It's the kind of profession where anything good that happens is credited to the artist and anything that goes wrong is the fault of the manager.

"It's hard sometimes to measure a manager's real contribution, impact, and value in a tangible way," Goldberg admits. "Therefore, you're hoping that there's an intuitive grasp of it. There's no chance for an It's a Wonderful Life run-through of what your career would be like without the manager. That's the most frustrating thing for both parties. The artist always wonders, 'Am I getting my money's worth?' The manager wonders, 'Do they appreciate what I'm doing or not?' I believe good managers are worth a great deal to an artist. And bad managers are worth zero. So the profession is extremely valuable -- when done correctly."

Good managers are networkers; they understand that the business is all about relationships. Though it may be your song in the movie, the path it followed to get there may be this convoluted: Your manager is backstage at the Foo Fighters show, which he got into because he used to book bands at the club part-time. He runs into his ex-girlfriend's brother, who works for a film company. They talk about a film that's under production there, and it turns out they're looking for a song with a train theme for the soundtrack. The manager remembers that your band has a train song on their demo. Phone numbers are exchanged.

The point, of course, is that it's not always easy to trace or gauge the manager's positive effect. As Billig points out, "There are little accomplishments that seem insignificant to the artist or outside world but are gigantic for the artist's career. It's hard for anyone, even an artist, to see that opportunity the manager gained for him or her."

"I think there's a quote from Andy Gould [manager of Rob Zombie and Monster Magnet] that says, 'A manager's job is to be the thing that gets between the bullet and the artist's foot,'" laughs Hutton. "I think that's true, combined with contributing to the artistic process. That doesn't necessarily mean creating the music, but representing the music in the proper spirit and in a creative way."

Managers essentially work for free until they can create financial opportunity and exposure.

"You want me to pay you what?!"

Commission: Anywhere from 5% to 20%, with the norm being 15%.

This is how the manager is able to afford to work for you and still pay the phone bill and eat out once in a while. In the early days, it can be tough: The client doesn't have income, which is why he or she wants a manager. The manager essentially works for free until he or she can create financial opportunity and exposure.

At this stage, it's important for all parties to be realistic. In the beginning of his career, manager Chris Moon [Josh Rouse] still worked a second job -- and for as long as it took, so did his client. "I've talked to several people who made big money on big deals," he says. "They still have to work on the side because of the initial investment of getting to that point. Unless the artist gets a signing bonus you can commission, all the money from a record deal goes toward making a record. You can only commission what is actually income, not expenses. That's why it's good to get a publishing deal and get some money up front for you and your client. Either way, you have to have someone administer your publishing or you're never going to take all your money in -- that's a given. So you either sell your publishing or you hold onto it and get an administration deal. In the leverage for that money, you give up ownership for 'x' amount of years."

How many years? "That depends," Moon says. "Do you want to wait to earn the money, or do you want somebody to pay up front? Other than that, income comes only from merchandise and live performance -- and that's where your management efforts should be focused after the deals are done."

As Billions points out, "For every one of those deals, there's 30 other tasks that have absolutely no income related directly to them. For me, the reward is in the relationship itself. Of course there's satisfaction in having something become a success from a fiscal standpoint, but there's a lot of little victories, and lots of little to medium frustrations. You miss out on the fun of managing if you don't see the process as worth it."

Sometimes artists forget how they got to be successful. To them, their first manager transforms into something like an old guitar they want to trade for a shiny new red one. In both sides of this scenario, the artist has forgotten how their old association helped them get to where they are, and that history -- especially the trust and communication built into a manager/client relationship -- is priceless.

This is not to say that you should never change management or fire your manager. If you feel your needs are not being met, or that your interests or money are no longer protected, or if you plain don't like each other anymore, you should part ways. But associating humble beginnings with the "small time" can put you in the hands of someone who wasn't there when you were broke, unknown, and losing faith. Even if things are on the upswing with your next manager, the minute things look shaky, you could find yourself deserted by someone whose allegiance to you began after all the toughest work was done.

'I don't have a problem picking up an artist with no deal; I have a problem picking up an artist without experience.' -- Janet Billig

How do I get a manager interested in me?

If you have no record deal or solid interest (a negligible term in the flaky netherworld of A&R), and depending on how far you are in your career, you may not be able to attract a higher-level manager unless you really blow him or her away. Even so, there's a lot you can -- and should -- do to make your band appealing to a good manager, regardless of your label status.

"I tend to not pick up really small artists that haven't accomplished a certain number of goals by themselves," says Janet Billig. "It's really important that an artist go through the process of recording an album, generating press, building a buzz, and booking and promoting shows. I don't have a problem picking up an artist with no deal; I have a problem picking up and working with an artist without experience."

Steve Hutton's approach adds some gut instinct to the mix. "I get in trouble and have problems if I have to convince myself to manage a band and don't feel it immediately. I look for a good rock band with great songs, with relatively attractive people who are of a certain age, have a similar vibe, and look like a part of the same team. You don't want a bass player that looks like he's in Korn and a guitar player that looks like he's in Backstreet Boys -- that won't work. And this clich will always be true -- it's all about the songs."

'If you can't get your brother-in-law's indie label to get back to you about the three demos CDs you sent them, you just might need someone with contacts.' -- P. W. Long

Do I really need a manager?

My former management client P. W. Long came up with the following definitive checklist that you can use to answer this question for yourself.

Your band is finally getting some label interest. You're wondering if it's time to get help navigating those perilous waters. Most certainly, if you do end up on a major label you'll need someone to protect your integrity from the A&R person who wants your techno-metal-hop outfit to fill a support slot for Ani DiFranco's tour and a radio department clamoring for you to do a Hooter's grand opening. Maybe, on the other hand, you can't even get your brother-in-law's indie label to get back to you about the three demos CDs you sent them. If so, your career just might need a kick-start--someone with contacts.

You Need A Manager If

1. You have a major label deal. If you somehow swung your record deal without a manager, the label will either recommend or demand that you get one -- now.

2. You have more success with indie-label releases, gig earnings, and merchandise proceeds than you can keep track of efficiently.

3. Your band's income and popularity are stagnating, and you need to get your music into the hands of people who can generate income for your band (record labels, music publishers, film music supervisors, etc.).

Manager Criteria

1. Make sure your manager will be readily accessible and have the necessary time to devote to your project. If your selection pool is limited to friends and acquaintances, realize that your friendship will likely become strained if not entirely jeopardized.

2. Find someone whose reputation and methods will not compromise your band's image. A good manager is aggressive and firm, but also careful not to embitter a lot of people.

3. Make sure he/she is an ardent fan of your music. Your manager's enthusiasm and confidence about your future should be infectious.

What to Know Going In

1. The band and manager should agree on what to expect from each other. Define "manager." Does it include booking gigs, mailing posters, sending press materials, etc.?

2. Sign an agreement that's fair to everyone. This should prevent misunderstandings when -- after a term of failed efforts -- the manager says, "You owe me $5,000.00." You say, "Not according to this contract we don't."

3. Pay the manager the agreed percentage for his or her efforts whenever you can. This keeps everyone interested in staying actively involved.

4. Demand performance from your management. At the same time you must show the same commitment you expect from them: Do what you say you're going to do.

In all cases, use common sense. Trust the instincts of the band-member with the best judgment of character. If you don't have a solid list of management candidates, ask friends in other successful bands for guidance. If those efforts turn up nothing, Pollstar's quarterly "Agencies" issue offers an exhaustive list of management and booking agencies. Good luck.

Maureen Herman is the Director of Biz Dev at http://Fuzz.com. Her writing has appeared in Rolling Stone Magazine, AOL, The Village Voice and Musician Magazine. Herman was the bassist for Babes in Toyland and her background includes television production (VH1, CMT), artist management and artist development. Check out her music downloads at http://fuzz.com.Casino Celebrity Windsor10306
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A Slots Quiz From Gamingquiz

OK, Class, its test time. I have created this quick test for novice and veteran slot players.
I offer up this quiz in the expectation that all slot players will forever hear the sound of raining coins.

Lets get started...

1) What is an RNG?
A. Really Nice Gambling?
B. Random Number Generator?
C. Right Number Gaming?

B. Random Number Generator: a computer chip placed inside each slot that is programmed to generate multiple combinations of symbols and payouts. A selection is picked randomly, thus determining the final outcome. A busy little drone.

2) What are the three types of slots?
A. Basic, Progressive and Bonus slots?
B. Red White & Blue 7s?
C. Flat Tops, Megabucks and Double Diamonds?

A. The three types of slots are basic, (aka straight slots or flat-tops) that have a constant jackpot. Progressives with an ever-changing jackpot and the latest gaming trend, bonus video slots that offer a bonus round for extra winnings. Although the RNG runs all three types, there are different playing strategies for each type.

3) What is a multiplier slot?
A. Slot that has multiple graphics and symbols?
B. Pays more for more coins played on certain winning combinations?
C. Multiplies your win no matter how many coins played?

B. Stated simply, the more coins played, the better the winning payouts. Particular symbol payouts, as per slot schedule, are multiplied by number of coins played. This can mean the difference between a 2-coin payout and a 10-coin payout for max. coin in play. So, 1 bar, 2 bars, 3 bars--oh yeah!

4) What is a nudge slot?
A. Wild Symbol combination pays?
B. A certain combination nudges you to the Bonus round?
C. Paying Symbol dropping up or down on center payline for win?

C. Come on baby, drop that paying symbol down and give mama a big win.
It could be a basketball, diamond, cherry or wild symbol. You just need a little nudge up or down to that center payline and you are in the money.

5) Whats a short win?
A. A small jackpot?
B. A win just before you are running out of money?
C. A large win with a small cash outlay?

C. This happens all the time. A large jackpot is hit with a minimal cash outlay.
15 bucks gets you $1000s. Now thats a long win on a short chance.
Take the money and run!

6) What is flying solo?
A. Gambling alone?
B. Slot Players who play one coin only.
C. Only winner of a progressive jackpot?

B. I call them onesies. Slot players who play only one coin. I know I advocate wager management, but this is wager suicide. I suggest you drop down a denomination and play max. coins where at least you are in the running for the top jackpot without the slot bends of missing out because you should have played just one more coin. The only exception here is the bonus multi-line slots.

7) EASY POINT. Whats Call Attendant?
A. Large cash hand-paid jackpot?
B. Machine is broken, needs maintenance?
C. My slot club card points have reached their limit?

A. Its party time! Big time payday with hundreds peeled off into your sweaty, winning palms. All casino players should get this one right and truly enjoy the experience.

Gayle Mitchell is the creator of GamingQuiz: Custom Gambling Q&A at http://www.contentgambling.com & http://www.contentgamblingPL.com #1 Source for gambling content online providing 5 premium services incl. CGPL Membership monthly article pkges. Free! Subscribe to ContentGambling Newsletter.The Rendezvous Casino78062
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A Plus B Equals C: A Poker Player's Worth is Judged by His Bottom Line

Some poker strategies will surprise you with their simplicity. This is one of them. Write down your results, every single time you play.

In common with all churches, we believe in donations. Bad players will pay your mortgage for you every month, and enjoy themselves as they lose their money to you.

But how much? You must make detailed notes.

Church of Texas Holdem Psalm #3:

Thou must record thy wins and thy loses; for it is the sum of all a mans achievements which create his bottom line.

How detailed is up to you. I tend to think that hourly rates and that kind of intimate detail is wasted. Simply work out how much ahead you are and how much (if anything) you have withdrawn. Of course, if you lose, record that too, no matter how much it hurts.

Don't forget to record what type of game you're playing, if that's important to you. (In my experience, most players stick to what they know and don't experiment. If all you do is keep up, down and withdrawals, you're way ahead of most players out there!)

Give yourself realistic goals, such as a 'dream' target (new car, holiday or whatever). When you withdraw, add the dollars taken out to your dream counter. The more successful you are, the nearer that dream will get!

Do I ever get tired of giving advice which makes you work harder? Yes. Of course. Who said religion was an easy path to take? But keep following the path and you will become a better, richer poker player!

Here endeth the lesson.

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The Smart Way To Buy A Vehicle

Believe it or not, it is a skill to buy the right vehicle, at a good or better price than what a particular vehicle is sold for in the market.

Before you do anything else, apply for a bank loan to purchase a new vehicle, find out what is your maximum loan amount your bank or any lender is willing to lend you. Once you know how much your loan approval is, then you are ready to start looking for the car you want.

Decide on the vehicle you will truly be happy or at the least very satisfied with, so that the notes will not feel painful. This is very important.

Will your next vehicle be a truck, a car, a SUV? Whichever type of vehicle you prefer start comparing different makes and models and get a general idea of what they are worth in the market. One easy way to do this is by visiting the Kelly Blue Book online at: http://www.kbb.com. Here you can check what the MSRP value is (Manufacturer's Suggested Retail Price, is the price set by the manufacturer).

Once you have a check from your lender, that check will good as cash at the dealership. This will give you buying power. You will be able to get the best possible cash on a vehicle you really like.

As you shop around do not let car salesmen to intimidate you, remember, you have done your home work, you have research the market value for the car you want, you know a fair price down to the miles of it. Now you have a check in hand and can negotiate a cash deal. Make cash offers and see what reactions you get from salesman. Do not give any information to salesman.

Once you are down to a few dealers where you will buy your car from, go to each, or call each of them on the phone, work with the ones that have a decent sense of customer service and who are willing to work with you, and via telephone make a cash offer for one of the vehicle you are looking for. For instance, you have researched a vehicle that easily sells for $15K or $16K with less than 30K miles. Offer $12K cash and gauge each of their reactions and see what happens. Its not for nothing that Cash still the reigning king!

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7 Things You Can Do Today to Double Your Energy

Admit it, there are times when you wish you could just feel more energetic and get more done. Don't you just hate it when you feel like hiding under your bedsheets, and yet more and more things come up that you have to deal with?

Though mastering the energy game is a complex topic, I'd like to give you 7 things you can do anytime you need an extra boost.

1. Breathe

Breathing is one of the best ways not only to calm yourself but also to energize your body. Whenever you start feeling overwhelmed, take one minute to do a simple deep-breathing exercise.

Here goes: Sit in a comfortable position, then breathe in for 5 counts, hold your breath for 5 counts, and breathe out for 5 counts.

Repeat for approximately 1-2 minutes, or longer.

2. Yoga

One of the best ways to feel more energetic is to combine stretching, movement and breathing with yoga. It works like a charm every time, but you probably think you have to spend an hour doing it.

Not so! Just 15 minutes of yoga give tremendous benefits. Practicing a few sun salutations, along with a back bend and a few more postures will really make a difference in your day.

Another possibility, which is just as powerful or even more so, is to spend ten minutes practicing the five Tibetans, a simple series of exercises that anyone can do and that give tremendous benefits. (For more information, go to this link ).

3. Wait for True Hunger ... Or Eat!

Depending on how you feel, you can either eat to gain more energy, or wait.

Why the two diverse options? The reason is that tiredness can either be caused by your body trying to detox the previous meal, or simply due to the fact that you haven't eaten enough.

If you're in detox, you might feel a little depressed or irritable. Your stomach might make all sorts of noises.

In that case, I find that when I fast a few hours until I feel truly hungry - I will gradually feel more energetic as my body is restored to homeostasis.

But if you have eaten well lately, then try the following drink for quick energy. The water, the electrolytes (like sodium in the celery) and the natural sugar will help recharge your batteries.

- 1-3 bananas
- 1 cup of blueberries (fresh or frozen)
- 2-3 stalks of celery
- 1 to 2 cups of water

Blend and enjoy!

4. Drink

One of the main reasons people feel tired is that they are dehydrated. It happens very often in hot weather. You can easily forget to drink. If you feel tired for no apparent reason, it's warm outside and you haven't been to the bathroom in the last 2 hours, then you should drink a liter of water and watch what happens.

If you were dehydrated, you will immediately feel more energetic.

5. Dump Your Brain

Often you may feel overwhelmed by everything on your schedule, especially if you don't know exactly where to start to get things done. This is a major energy-drainer.

Trying to keep things in our brain becomes extremely draining when there are more things than we can keep in mind at one time.

Here's one quick solution: Take out a bunch of sticky notes. Write down as many things as you know you have to do. Write one item per sticky note.

Literally dump out your brain. Then organize the stickies by category, and identify your top 3 priorities.

For each of those 3 priorities, identify the very next action you have to take to get it done. Then schedule a time to do this.

When you do this, you will immediately feel yourself coming back to life, and your energy will instantly double.

6. Clean Up Your Space

Untidy or messy surroundings are a major drain of energy. Especially when getting through the mess seems overwhelming.

My suggesting is to spend 15 minutes to clean up, and see what happens.

What I recommend is actually timing yourself. I personally use a countdown timer. I set it to 15 minutes and then get as much done as possible in those 15 minutes, like a race!

Try this and you'll find that so much can be done to clean up your environment in just 15 minutes. You'll feel your mood instantly change and your energy double.

7. Find a Program That Works

The best thing you can do to keep your energy up is to pay attention to the factors that influence your health.

Those factors include: eating a good diet based on fruits and vegetables, getting sufficient nutrients, training your body in the 5 areas of fitness, mastering your sleep, and more (there are more than 21 in total).

Your health program should focus on mastering these different factors of health - not just diet - and show you how to become a high-energy person!

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Softball In Disney - My Daughter's Comeback (March 2006)

Its the end of March, 2006. The trip to Disney to play in a tournament has finally arrived. My daughter Manteee and her team of Indian Hills Braves from Oakland New Jersey is about to take on a team from Livingston New Jersey. Livingston and Oakland are about 20 miles apart. So what that we traveled 1500 miles to play each other.

The top of the first inning for Livingston.

While watching Livingston practice I said to myself. Hey it looks like these girls can play. Livingston gets a few runners on base and then there is a hot grounder right at my daughter. She errs and a run scores. My Manteee is not looking so good. Two batters later with the bases loaded for Livingston, another grounder is hit to my daughter with the same results as the previous ball in the dirt. Manteee goes to her right and boots the ball.

As two runners crossed the plate I shifted my attention from my daughter to the coach. He was livid. The first inning ends with Livingston in front 3-0. This was the low point of the trip for my daughter. She did not play again in this game. The coach yanked her and had her sit the bench.

As I watched the game my thoughts were about Manteee as I observed the field. I often gazed into the dugout to see how my daughter was doing. It seemed like she was hiding. When I got a rare glimpse of her, she looked like she had lost her best friend. This was a low point to say the least.

Next game had different results.

Back at her position at second base my Manteee seemed to be apprehensive about what could happen. Her fears and concerns soon subsided. In the first inning another team from New Jersey hit two balls her way. She played them well and threw out both runners.

As the game moved on more balls were hit her way. A dozen chances at least. Maybe two or three hard plays had to be made. She handled all the plays and Indian Hills won the game.

After the game assistant coach Phil Lemenza said. Sammi is my hero. After playing a horrible game she came back strong. (My wife and I are the only ones that call her Manteee everyone else calls her Sammi)

To say I am proud of her is an understatement. She fights; she claws and never gives up.

She is my hero as well. Thats why she is one of my top ten favorite players of all time.

Please pass this on to your friends.

The great game of baseball. What could be better? Loving the game of baseball for Aron Wallad has been a job of joy for a long time. For over 45 years he has followed the game by coaching, watching games, reading stories and checking players stats. Playing baseball, softball and stickball were his games of choice. Join Aron as he looks at the game from some different points of view. You will find his stories moving. You will be amazed when you see some of the unusual statistics he presents. The quotes will move you or make you laugh. Crown Casino Hotel In Melbourne67920
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Soccer Gear

Soccer gear accessories come under a wide price, ranging from under $30 to over $1,800.

An exhaustive list of the soccer gear probably would run something like this, ball, corner and linesman flags, bags, footwear along with their accessories, training wear including, shirts, T-shirts, shorts, socks, shin guard and goalkeeping accessories like the soccer helmet, gloves, elbow and flexible knee protection pads and athletic tapes.

Separate apparels for women are also available including undergarments designed to provide maximum comfort during the game.

A Franklin 2-Soccer set is designed to suit all ages to mainly develop skills like precision kicking and goal keeping. Used to a large degree in practice sessions, this costs about $20. An Air Puck Soccer Training set is used for training indoors, so one need never feel out of shape during soccer season. A complete soccer goal set with a ball, a pump, 6-low cones and a water bottle can be obtained for around $45. A portable, inflatable mega soccer set is specially tailored for kids to play anywhere, be it the beach, in the front or the backyard of the house.

Branded footwear for soccer ranges from $80 to an autographed game model costing $400. Nike, Puma and Adidas are some of the most sought after brands. Comfortable footwear are molded with a cushioned sole. The studs at the base serve to increase the stability and acceleration. For women special soccer shoes for enhanced performance are available for $60. Studded and molded shoes with raised collars offer great comfort with no compromise on traction and speed. These shoes can usually be used in even as well as natural surfaces.

Among one of the products created for game training is the soccer practice sessions software. These softwares have specific, individual system requirement. These softwares can be broadly categorized into two types. One that prescribes a series of work-outs for the individual to increase the fitness level and another that presents a scheme of strategies for attacking and defending during the game. In a whole sale point the softwares may be obtained for around $57. Tactics 4.0 Disk 1, PDA Soccer Statware, Soccer Manager Standard Edition and SPRI VIC-SR Training Pack are some of the known packages. The softwares are a definite asset for coaches as it helps them tremendously in efficient team management.

Cathy Peterson writes about http://www.sportsteamfanheaven.com/Categories/NHL.aspx, http://www.sportsteamfanheaven.com/Categories/WorldBaseballClassic.aspx and http://www.sportsteamfanheaven.com/Categories/WorldCup.aspxWynn Las Vegas Casino Resort29460
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When Business Needs Urgent Money!!! Commercial Bridging Loan

Commercial bridging loan is known as the fastest way of funding your immediate funds requirement for your business. It can give you the quick access to cash with minimum of formalities. The basic principle of a commercial bridging loan is to bridge the large financial gap for a short term. This happens when you sell your existing property to serve your commercial purpose. But as we know that selling a property is a time consuming job and commercial needs are urgent. You cant put them on hold; else it can affect your business adversely. Commercial bridging loan steps in here for your help.

Commercial bridging loans are of two types. Depending upon the status of sale of your existing property, they are classified as open-ended or close ended. But that doesnt affect the features which such loans offer. A commercial bridging loan is secured and a first or second charge will be taken against new or existing property or can be combination of both. Following are the securities or properties which can be used as collateral for a commercial bridging loan:

Residential or commercial properties

Development sites or auction properties

Buy to let properties or retails shops

Land with planning permission

A commercial bridging loan offers you amount ranging between ₤27000 to ₤100000 and more depending upon the collateral offered. Lenders usually offer up to 70% of the value of the collateral. As the loan is secured, you can apply for such loans irrespective of your credit status. This allows people with bad credit score i.e. defaulters, arrears, CCJs and IVAs etc to easily apply for the loans.

You can use the commercial bridging loan amount to buy office buildings and shopping centers, automobile dealerships, manufacturing facilities, commercial real estate, paying salaries and creditors, urgent working capital requirements, purchasing raw material, miscellaneous requirements.

To apply for a commercial bridging loan, you can log on to dozens of internet websites and apply for such loans. People often believe that it is not safe to give your personal information on internet as anybody can misuse it. But the presence of data protection act ensures that your details are kept confidential. So you can select a commercial bridging loan deal and apply for it by filling a simple application form. The application process takes is quick and you may get the approval just in 3 to 4 working days or even lesser depending upon the circumstances.

Commercial bridging loans are for short term and should be repaid on the agreed date. These loans are an interest only loan, which means that you only have to make monthly interest payments till you get the sale proceedings of your property. The principle amount is paid out of that money. This makes a commercial bridging affordable in any situation giving you quick monetary support.

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Differences Between Canadian And American Football

American and Canadian football both descended from rugby and began in Canada as a game played between British soldiers garrisoned in Montreal. The soldiers played a series of games against students at McGill University. McGill played several games against Harvard in 1874 and a tradition was born. Despite their mutual origins, the Canadian and the American game developed differently and now have substantially different rules and regulations.

The biggest difference between Canadian and American football is the size of the playing field. In Canada, football fields are 110 yards long and 65 yards wide. In America football fields are 100 yards long and 53 and 1/3 yards wide. The goal posts in Canadian football are placed at the front, rather than the back of the end zone which is also deeper in Canadian football than American.

Canadian football teams have twelve players as opposed to the eleven on American teams. Because the same number of players is required at the line of scrimmage in both games, this results in an extra backfield player on Canadian teams. This means that the typical Canadian offensive setup has two slot backs instead of a tight end and on defense, two defensive halfbacks and one safety instead of two safeties as is typical in the American game.

Another difference between the two games is the number of downs. Instead of four as in the American game, Canadian football has three. This results in a more pass and kick oriented game since there are fewer downs available for short-yardage running plays. The kicking rules are also slightly different with the kicker being able to recover and advance his own kick. For this reason, kicking is a much more integral part of Canadian football than American.

The biggest difference between the kicking rules in the two games is that there is no fair catch rule in Canadian football. In American football, if a kick returner thinks he will not be able to advance the ball after recovery, he can signal for a fair catch and be immune from contact. In Canadian football no player on the kicking team except the kicker and any players behind him on the field may ever be within 5 yards of the ball unless it has been touched by an opponent. Also, in Canadian football any kick that goes into the end zone is a live ball, except for successful field goals.

There are other minor differences as well including scoring, motion and time rules but they are not as significant as the major differences noted here.

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Investment Property Mortgage Rate: Some Key Considerations To Note

Investment property mortgage rate is one of the most decisive factors when choosing a mortgage. Typically, the lower the interest rate, the better the mortgage. But the assessment of viability of a mortgage really depends on the type of mortgage and other loan terms. It is crucial that you shop around a bit to find a mortgage and mortgage rate that suits your requirements. A mortgage can be obtained from reputable banks, financial institutions, credit unions, and even private mortgage brokers, who would find the best rate possible for you.

Investment property mortgage rate can be classified into three major types: fixed-rate, adjustable-rate and balloon or reset.

Fixed-rate mortgage is a mortgage in which your interest rate and monthly payments are fixed throughout the life of the mortgage. There are two major types of fixed-rate mortgages based on the duration of the mortgage 30-year & 15-year. The major advantage of a fixed-rate mortgage is that the interest rate and the monthly payments dont increase with an increase in market rates. However, this can sometimes work against you, simply because the mortgage interest rate remains fixed even if the market rates are down.

Adjustable-rate mortgage (ARM) is a mortgage that has a variable investment property mortgage rate. ARMs usually start with a lower interest rate and lower monthly payments this contributes to their wide popularity. However, it is imperative that you be aware of the specifics of an adjustable-rate mortgage, including the adjustment periods; indexes and margins; caps, ceilings and floors; and the number system.

Balloon or reset mortgage is based on a 30-year amortization schedule, with a 5-year or 7-year term. At the end of the term, you have an option to either pay off the remaining principal, or reset the mortgage at the current market rates. Therefore, you have the benefit of lower monthly payments, but you are required to repay the complete mortgage by the end of the specified term.

With several types available, you might be perplexed as to what type of investment property mortgage rate should you choose. The following few points will elucidate this aspect.

A fixed-rate mortgage is perhaps the best option if you plan to own the investment property for more than 5 years. But if you wish to sell the property earlier, or you want to start with a lower monthly payment, an adjustable-rate mortgage seems like an apt choice. And if you believe that your income will increase over time, and you can pay off the whole mortgage within 5 or 7 years, then you can go for a balloon or reset mortgage.

Copyright © 2006 Joel Teo. All rights reserved.

Joel Teo writes on various financial topics relating to Ahwatukee Real Estate Investment. Signup for his free online Real Estate Investing newsletter today and gain access to the Six Day Real Estate Investment Profits Course now at http://www.realestateinvestment101.info/Ahwatukee.htmlHotel Casino Windsor Ontario12726
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RV Travel Tips For The Beginner And Seasoned RV Enthusiast

Theres never been a better time to take up the RV life. Whether youre a weekend wanderer, a snowbird or a full-timer, theres an RV to suit any travel budget and any taste. With baby boomers starting to hit retirement age, more and more people are taking to the road with their motor home, RV or travel trailer. The Recreation Vehicle Industry Association recently reported that nearly 8 million American households have and RV, motor home or travel trailer and that there are as many as 30 million RV enthusiasts in the US.

Seeing the country in an RV offers many benefits to the traveler looking for an affordable and exciting way to spend quality family time. According to one study, a family of four can save up to 74% traveling by RV instead of more conventional ways. And with more than 16,000 public and privately-owned campgrounds in the US, theres a site to fulfill everyones vacation fantasy, whether its an oceanfront view, hiking trails, casino gambling or tennis.

RV travel is easy to learn, and once youve got the hang of it, therell be no going back! Here are six helpful tips that will come in handy for both the beginning and seasoned RV enthusiast:

Map it Out

A large part of the RV appeal is the exhilarating freedom of the open road to go wherever you want, whenever you want. But it helps to have a solid travel plan in place. If you know where youre heading, you can determine the best route, which offers the most interesting places to see. Look in travel guides, contact tourism boards in states youll be passing through, and search on the Internet. Make sure to have the correct road maps with you; a GPS system is a good idea as well, especially if youre new to this kind of travel. If youve carefully designed the route youll be taking, it makes it easier to do spur-of-the moment things like checking out that oddball museum you just spotted on a roadside billboard!

Have A Checklist? Just Checking

During your pre-trip prep, in addition to working out what needs to be in the RV, put together a thorough checklist of things to do when setting up at a campground. There are the basics, like finding out where all the campground connections are, making sure your RV is level and properly hooking up your water, gas and electric systems but dont forget comfort concerns, like making sure youve packed your favorite CDs and DVDs and those new lawn chairs. Equally important, you should have a second checklist of what has to be done when you break camp, both in terms of setting up your RV for departure (quick hint: when you think the job is done and everything is ready, check again).

Be Prepared - Have A Just-For-The-RV First Aid Kit

Always make sure you have a fully stocked, up-to-date, just-for-the-RV First Aid kit, and keep it in an outside storage compartment. It should include basic medical supplies (bandages, ointment, OTC pain reliever, insect repellant, scissors, etc.) and items like a flashlight, paper and writing implements, and a disposable camera in case you have to take photos of an accident site. If you dont feel up to the task of putting one together yourself, an extensive range of ready-made First Aid kits are available for purchase. Also include an emergency supply of must-have medications and a list of important contact names (family members, doctors, insurance agents etc).

Camping with Kids

If youre traveling with children, make sure to set aside time during the day for outdoor activities, as even the roomiest RV can be confining for kids. And give each child his or her own space in the RV, no matter how small, for personal stuff and toys and games. RV traveling is a unique opportunity for your children to see new and different places and faces. There are often plenty of other kids at campgrounds but be sure to walk around a new campground with your children when you first get settled there. They need to know which campsite youre in and how to find it from other places on the grounds. If youre also taking the family pet, check beforehand to see if theyre allowed at the campground

A Little Help From Your Friends

When in doubt, ask your fellow RVer. However well-traveled you might be, odds are theres someone youll meet along the way who has been somewhere you havent, solved a problem you havent yet encountered, or spotted an out-of-the-way delight youve never heard of. No matter how much research youve done, theres bound to be a campsite you havent read about, a storage system that has escaped your notice or a funny anecdote that youll laugh about for years to come. The new folks you meet may or may not become close friends for life, but theyre an important part of the journey.

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Whip Yourself into Shape with Boxing Fitness

Everyone seems to be concerned with their health these days. And with good reason, since the advent of processed foods and the degree of pollution in our cities, peoples health can really be in danger. To help combat these problems, health improvement facilities like gyms and spas have popped up on every street. But since traditional exercises are not really enjoyable many people prefer activities that allow them to have fun while keeping fit.

Hiking, ballroom dancing, rock climbing, and biking are just a few examples of recreational activities that can also be enjoyable. Sports, weight training, and martial arts have also become popular ways of trimming down. One type of martial art type of exercise program which you might want to try is boxing fitness.

You might think of boxing as a violent sport. Professional boxing as seen in television is a dangerous sport reserved for athletes who train extensively to get in shape for their bouts. But unknown to most it can also be a satisfying and effective form of workout.

Boxing fitness involves hours of diligent training, cardio workout out and can even teach you additional self-defense. Boxing fitness improves your, flexibility, agility, stamina and coordination. You dont necessarily have to go as far as fighting in the ring but a little sparring mixed in your routine can make for a fantastic workout.

Besides being a lot of fun boxing fitness also improves your self-defense skills. One look at professional boxers shows you that training allows you withstand punishment and give back as much as well. Todays world can be quite dangerous and learning a practical martial art like boxing can really be useful. While you might not turn into the next Mike Tyson you can be good enough to keep your self safe on the street.

If you want to try it you can try local gyms to see if they have a boxing fitness program. If none are available you can hop online and do a search for boxing fitness to find a program and gym that are convenient for you. Put on those boxing gloves now and punch your way into an exciting way to be healthy.

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CSI (Season 2) DVD Review

Nominated for 20 Emmys and 6 Golden Globes, including Best TV Series - Drama, CSI (Crime Scene Investigation) quickly rose to become the number one show on television following its Fall 2000 premiere. The brainchild of creator Anthony Zuiker, the show follows the investigations not of traditional TV detectives working the streets, but forensic scientists who unravel complicated crime mysteries in their ultra-modern laboratory. Either the #1 or the #2 Nielsen rated show since the start of its second season, CSI has helped CBS to reemerge as the #1 network television station, spawning (similar to predecessor Law & Order) two series spin-offs CSI: Miami and CSI: New York. Each exciting hour-long episode begins with the theme song "Who Are You" by The Who, a song more than befitting of a show where criminals are aggressively tracked down, sometimes years after committing their crimes

CSI focuses on the Las Vegas Police Department's Crime Scene Investigation nightshift unit headed by Gil Grissom (William Petersen), a quirky outsider whose obsessive quest for the facts and dedication to his work dominates his life. The CSI team is composed of a number of individuals with differing backgrounds and personalities - single mother Catherine Willows (Marg Helgenberger) specializes in blood-splatter analysis, the highly competitive Nick Stokes (George Eads) specializes in hair and fiber analysis, recovering gambling addict Warrick Brown (Gary Dourdan) specializes in audio/visual analysis, and the rambunctious Sara Sidle (Jorja Fox) specializes in materials and element analysis. Throw in hard-nosed homicide captain Jim Brass (Paul Guifoyle), CSI understudy Greg Sanders (Eric Szmanda), and lab coroner Al Robbins (Robert David Hall) and all the ingredients are present for a show wrought with suspense, drama, and tension. As transients from all walks of life travel to Las Vegas to enjoy the wonders of its adult playground, increased levels of crime accompany them, and the team at CSI is determined to stay a step ahead of the criminal element

The CSI (Season 2) DVD features a number of dramatic episodes including the season premiere "Burked" in which Grissom and company are called in to investigate the death of a high roller and known drug addict found dead in his own home. With drug paraphernalia on the premises, detectives initially suspect an overdose, but further probing leads them to believe the man was restrained by duct tape and forced to ingest lethal amounts of drugs Other notable episodes from Season 2 include "And Then There Were None" in which Grissom investigates a casino heist that left several innocent bystanders shot while Catherine and Sara investigate a murder in the rural desert region, and "Stalker" in which a stalker somehow infiltrates a heavily secured home and murders his victim, prompting the CSI to take over the investigation

Below is a list of episodes included on the CSI (Season 2) DVD:

Episode 24 (Burked) Air Date: 09-27-2001
Episode 25 (Chaos Theory) Air Date: 10-04-2001
Episode 26 (Overload) Air Date: 10-11-2001
Episode 27 (Bully for You) Air Date: 10-18-2001
Episode 28 (Scuba Doobie-Doo) Air Date: 10-25-2001
Episode 29 (Alter Boys) Air Date: 11-01-2001
Episode 30 (Caged) Air Date: 11-08-2001
Episode 31 (Slaves of Las Vegas) Air Date: 11-15-2001
Episode 32 (And Then There Were None) Air Date: 11-22-2001
Episode 33 (Ellie) Air Date: 12-06-2001
Episode 34 (Organ Grinder) Air Date: 12-13-2001
Episode 35 (You've Got Male) Air Date: 12-20-2001
Episode 36 (Identity Crisis) Air Date: 01-17-2002
Episode 37 (The Finger) Air Date: 01-31-2002
Episode 38 (Burden of Proof) Air Date: 02-07-2002
Episode 39 (Primum Non Nocere) Air Date: 02-28-2002
Episode 40 (Felonius Monk) Air Date: 03-07-2002
Episode 41 (Chasing the Bus) Air Date: 03-28-2002
Episode 42 (Stalker) Air Date: 04-04-2002
Episode 43 (Cats in the Cradle) Air Date: 04-25-2002
Episode 44 (Anatomy of a Lye) Air Date: 05-02-2002
Episode 45 (Cross-Jurisdictions) Air Date: 05-09-2002
Episode 46 (The Hunger Artist) Air Date: 05-16-2002

Britt Gillette is author of The DVD Report, a blog where you can find where you can find more reviews of movies and TV series. Source: http://thedvdreport.blogspot.com/2006/02/csi-season-2-dvd.html.Limited Edition Casino Chips30934
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Teaching Children the Game of Golf

So, you think your little guy might be the next Tiger Woods? If you think your child has a propensity for golf, or if you have a love for the game that you want to share, how can you best teach your youngster the game? How can you tell that they are ready to learn? What age is best to start a child on learning golf if you want to develop a quality player?

Golf, a detailed and complex sport, can be tough to teach to kids. For this reason, get them started early and ensure that you build a firm foundation in their gameplay so that they learn to be confident in the sport and in their own abilities. This type of learned confidence can help them embrace the complexities of the game as a whole and will turn them into golfers that are ready to learn.

Once a child is walking well independently and able to hold a child-sized golf club, he or she is probably ready for the first introduction to the sport. This can happen when the child is as young as two or three years old. Preschool children will not be ready to play golf as a game, but they can be given small putters and practice swinging the club correctly.

Children at this age learn almost everything through imitation. The best way to teach them proper swinging and putting techniques is to demonstrate, and then have them imitate the motions. But use caution that you do not make this tedious for the child. These imitation sessions should be short and fun. Try having the child hit a small balloon. Not only will this be fun, but the child will also have success in hitting the balloon, which will keep the frustration at bay. To make it even more fun, try filling the balloons with water for added resistance! This is a great summer time activity for you and for your child!

Once the child has entered school and has a good handle on the swinging and putting techniques learned through observation, it is time to start teaching the game of golf. School aged children are accustomed to verbal instruction and can listen to explanations about the game better than their preschool counterparts. You need to keep in mind, however, that they are still children! They will thrive on encouragement, and all teaching sessions should be kept upbeat!

Start by taking your child to the driving range. Show your son or daughter how to hit the ball correctly, aiming for distance. The driving range is a good place to start since there is not a specific target they must reach, so the child is less likely to get frustrated. After the child demonstrates aptitude on the driving range, you can head to the course. By this point you should be able to tell whether or not your child is going to share your love for the game of golf.

Parents need to remember that no matter how hard they try, not all children have the same likes and dislikes that their parents have. If you have introduced your child to the game of golf, and he or she does not enjoy it, try not to push them. By pushing, you might find that you drive your child away from the game. All you can do is give them the experience at an early age, and they must come to a conclusion about the game on their own.

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Kindly Mother Goose Gets Hit by Merger Mania

Mergers have taken over the world. My very first bank Bell Federal - has long merged with LaSalle Bank, and now if I want to talk to someone about my mortgage, I have to call a place I never even heard of before Troy, Michigan! Here in Chicago, Marshall Fields has been swallowed up lock, stock and barrel by MACYS almost bringing about second Revolutionary War.

Now, just think about what would happen if our beloved Mother Goose friends were also to be bitten by the Deadly Merger Bug. Lets start off with pretty Little Bo Peep. The same day that she found her sheep, she bumped into her old friend, Goldilocks, and they immediately went to the home of The Three Bears and did some negotiating and they are now known as the jazz group, Peep, Goldi and the Bears. Now look at poor lean Jack Spratt. He and his hearty wife stopped to chat with Simple Simon as he was going to the Fair. Deciding to merge together, they made lots of dough selling their wares. And what about Old Mother Hubbard whose cupboard was always bare? She moved in with Little Jack Horner while he was relishing his Christmas pie, and they became known as H&H, Horner and Hubbard, and their business grew and grew and she no longer had any worries about feeding Fido. The Famous Three Blind Mice moved in to the cupboard, and made a nice comfortable home for themselves, but they continued to squeal an awful lot.

Little Boy Blue blew his horn one day and was overjoyed to discover that his music had led him to find that frolicsome twosome, Jack and Jill; the poor kids got lost as they trudged up that hill. They got together and created Jack and Jills Horn of Plenty English Tea Shoppe. One day the Cat and his Fiddle came over to cheer up Little Miss Muffet, who had fallen off her tuffet and then all got together as they went over to say hello to Old King Cole, who called on his Fiddlers Three and they incorporated themselves as Music a la Mode and played at the kings fabulous birthday party. After quite a bit of trouble, Humpty Dumpty got himself together and limped over for needed rehab to the Old Woman Who Lived in a Shoe. She worked hard to get Humpty completely back to his old self, and he reciprocated by starting up Humptys Bedie-By Service, 24-hour care for tough toddlers.

Pumpkin Pies International was started by Peter the Pumpkin Eater and Georgie Porgie but Georgie had to promise not to kiss the girls and make them cry. Now they have branches in Paris, Rome and London. Of course, in Paris he is allowed to kiss the girls! One, Two Three Little Indians got together with the Blackhawks and created a gorgeous casino -- named the Call of the. HEY STOP THE PRESSES, heres another merger AT&T is back in the limelight with a marriage to the SBC phone company. Got to hand it to AT&T its back in the saddle again. Koch Industries has merged with Georgia Pacific, a company that owns practically all of the paper products in America, and probably most of the trees! Where will it all end? Maybe tomorrow the headlines will shout out, Lake Michigan about to merge with the Atlantic Ocean!

Arlene Weiss balbec@comcast.net

Arlene Weiss spent over 15 years working for major NY agencies, including McCann-Erickson (Interpublic). She also freelanced for such large advertisers as R.R. Donnelley, Intercontinental Hotels, Keri Skin Cream. She won an advertising award for her campaign for Greeview Palos Verdes housing development and Amoco Motor Club.Myrtle Beach Casino Cruises81797
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The Gradual Shaping Of The Microwave Oven

The underlying incident in the emergence of the microwave was rather weird and unexpected sometimes in 1946 by Percy Spenser, who worked for Raytheon. Waves from the radar set he was working on were transmitted to the chocolate he was carrying in his pocket, causing it to melt.

By more scrutinizing facts that heat of his body alone was insufficient effect of melting the chocolate, he was able to discern the reality of what was happening, having many exposures on research and experimentations.

That same year the Raytheon patented their first Microwave oven and the first set of microwave was out in the market in 1947. Looking back to the "Radarange" that had been the first microwave of Reytheon, it had long since gone on a broader range of development and usage expanded to a great extent to people all over the globe. The "Counter-oven" original Amana brand has been by-passed by two other styles, the (1) on top of the oven and (2) Built-in Style.

The Built-in type microwave oven, not to mention any preference in name, is more specifically created for smaller space-households. It is almost like being typically installed and saves a lot of space resulting to better home trafficking, attaching it to walls. Some built-in ovens combine that of the convection with attached features (built-in roast and grill performances).

Over a dozen or more type of selections can be availed in this type of oven. Most units come in variation of neutral colors in white, black, bisque, beige, stainless, and silver, without preference in cooking technology. Built-ins are made from sizes of 27/30, or 29/32 dimensions, or up to the manufacturer. Power Watt volume from 800 to l200.

Specific Features of a 27' Built-in Microwave (Example, Kitchen Aid brand):

Capacity is 1.4, Exclusive Crispwave(r)Technology, 900 Watts, combination microwave and convection, Crisp and Broil functions, and removable Turntables.

Dimension: Depth is 25 5/8 in.; Depth without handle is 23 7/8 in.; Height is 20 1/2 in.; and Width is 26 3/4 in.

Warranty choices are from 2 year to 6 years.

Prices of Built-in sold from different sources of produces approximates at $130 to $1000 and more, attaching incentive bonus on free handling and expediting deliveries.

Extensive use of microwaves are raising a lot of controversies about the effect in radiation that the wave carries just like any use of televisions, and other appliances transmitting the same electromagnetic energies. Children should never be allowed to manipulate it, and adults direct in charge of the kitchen should be alerted to take a professional technician if something goes wrong with oven.

This content is provided by Low Jeremy. It may be used only in its entirety with all links included. For more information on Microwave-Ovens & other information, please visit http://microwave-oven.articlekeep.com.Isle Of Capri Casino In Mississippi99
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Legal Implications of Remote Controlled Golf Trolleys In Europe

Golf is no longer a game of just trying to hit the ball in the right place. It requires a great deal of concentration, calculation and thinking. There are plenty of decisions to be made and accuracy to be mastered in order to excel in the game of golf. To help a golfer stay focused on the game and eliminate other hazards like injury and fatigue, remote controlled golf trolleys have emerged.

Remote controlled golf trolleys are assistive golf equipment that reduces much of the stress by carrying the heavy golf bag, which often weighs thirty to forty pounds and other accessories around the course at the push of a button and at the convenience of the golfers. As the game of golf calls for more strenuous efforts from its players, these remote controlled golf trolleys have become a real necessity for serious golfers around the world. However, not all remote controlled golf trolleys are legal. So it is always better to check before purchasing one, especially if you are in the European Union.

Many remote controlled golf trolleys are being imported into the European Union as their demand increases. However, not all these trolleys abide by European standards. Hence they are illegal. In order to be legally marketed within the EC, the products need to pass the R&TTE test. This test is to ensure that the transmitter of remote controlled golf trolleys abide by the strict guidelines and maintain European standards. It ensures that the transmitter is within safety limits and would not interfere with other devices in the area. OFCOM, the regulatory body for communication devices in United Kingdom has banned several products for failing the test.

The products also need to pass an EMC test in order to be legally marketed in the European Union. This test checks the other mechanical parts of remote controlled golf trolleys like the motor, power source, electrical equipment, etc. This test ensures that the products are safe, without any electrical noise or chance of interference with other devices in the area.

Moreover, it is required that the European Union retailer or wholesaler properly labels the transmitter and the trolleys, and to ensure in the packaging that the products are certified for use in the market.

In order to market remote controlled electric golf trolleys legally in the European Union, it is essential for the products to pass the R&TTE and EMC tests. Any other product will be marked unsafe and can be banned from use. It is always better to check if the products are provided with the Declaration of Conformity, a document that provides the details of where the product was tested, thereby making it traceable. A mere CE certificate from a foreign test house does not prove the product to be legal in the European markets. Always check for the legal documents while purchasing remote controlled golf trolleys in Europe.

This article is written by Ronn Jones, a marketing expert with years of experience in branding and internet marketing. For more information on remote controlled golf trolleys visit : http://www.protrolley.com/River Rock Casino Resort Vancouver139
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Is Home Business really a Business?

Home business, doesn’t it strikes you? But then another question hammers in your mind, whether it is a credible & lucrative business just like others? This is a never ending argument between Successful and Botched people who tried this business. Do you know that only 2 % people are successful in home business and 98% are failures. Can you think of who are those 2 percenters. successors?Why majority people are botched? Let me discuss some core issues about home business.

What is the Home Business?

A business you can operate from your home in flexible hrs. You will be your own boss. There is only a small investment and above all you can work with World’s Top marketing companies. You can earn decent money for your efforts and knowledge.

Who is the right person to do it?

In my opinion everybody can do this business, who have a strong urge to do something with certain level of commitment and dedication. But one can generate a handsome income only after having accumulated a reasonable knowledge about marketing techniques, knowledge of your target audience/market and certainly latest promotional tools, because INTERNET is the fastest way to market your products and services. A good knowledge of email marketing, websites and search engines will be additives to your income & success. You must be innovative and creative while marketing your products and services. There are no set rules, every successful marketers have developed their own strategies. You will also learn when you decide not to quit but to persist your enthu to succeed.

Is it worth to invest money in home business?

YES! I say yes, if you are really serious about this business you have to invest some money wisely just like any other business. For eg. if you are planning to open a shop, you need space at a high traffic area, you need some hot selling products, you have to do some interior to make it attractive and last but not least you have to advertise your business to get customers. All the above requires wealth/capital to invest. Right! Same basic rule also applies in home business.

Why 98% peoples fails?

This is a naked and callous truth about home business that 98 % people are failures. The foremost reason is lack of knowledge, patience and earnestness. Most of the people joins Network marketing companies to earn quick money without doing anything. They endeavor it for few months and then give up. They never attempt to learn the right techniques and strategies, they only want some quick bucks. They don’t be bothered for their customers or downline. They are reluctant to solve the problems of their customers and downline, which results in dissatisfaction and frustration and then finally surrender. This ends the business in itself because ‘U’ ultimately will end up with no earning and get only a ruined business.

Who are the Successful 2 percenters?

These 2 per centers are the people who never quit and have faith in themselves. They learn from their mistakes and imbibe a lot more from apex of these businesses. They motivate themselves endlessly and help others in their downline to achieve the same. They are taking towering risk as they know that nothing comes without efforts. They strive to imitate and generate new ideas from their upline and other successful Marketers. They always welcome new ideas, believes in acceptance, always ready to take risk, and have a ‘NEVER SAY DIE’ Attitude. Believes strongly in “If someone can earn, then why can’t I?”

Why more and more people are going for it?

According to my study and observation, a lot more individuals are looking for home business opportunities and the only one main reason is ‘TIME’. Today maximum no. of populace is fed up of their working schedules, jobs and lifestyle. There is no time for the family, oneself and/or society. A hate feeling has developed for routine 9 to 6 hrs job as the maximum times goes in commutation (3-4 hrs. daily) from home to office and then office to home. After a long drenching day reached home fully exhausted and frustrated. So the Idea of home business always fascinates them. They would have always dreamt about it. That’s why every 45 second someone has joined the home business worldwide. It is an alarming figure and more and more people opt home business as substitute earning source. You know 90% of the working mothers don’t have more then 2 hrs daily for their kids. This is very provoking for both mothers and kids, their family bonding is at a risk. The only solution for this problem is owning home business where one can not only earn well but also have a suffice time for family and oneself.

In my opinion everybody has a right to live freely and must devote enough time with their family. So joining a home business is really good decision but mind you, you have to work smartly and not hard. Now a days a lot of successful marketers are ready to share their secrets with you and you get all valuable information for just a few bucks. If you are really thinking about to start a home business consider some points before you join:

1) Check the company’s reputation, their promoters their products and existence of company and Track record.

2) Check if the company paying their affiliates timely.

3) Is the products are really good quality.

4) Is your upline supportive.

Once you verify the above points, go and join it and start working as this is your own business. If you are determined and ready to learn, you will definitely win.

Best of luck for your successful home business.

Amar Srivastava is a successful Affiliate of some top notch Network marketing companies and have a 7 years of experience in Internet marketing. If you wish to contact him and want to subscribe his weekly news letter just send an email to: mail@amihomebiz.com or visit http://www.amihomebiz.com/indexold.html for a legitimate Home Business opportunity.Limited Edition Casino Chips85400
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