Monday, January 18, 2010

4 Quick and EASY Tips On How-To Become The Person Of Your Dreams

Quick question...

What would you like to be when you grow up?

I bet you often heard this question asked many times when you were still young from your parents and relatives.

But, have you really given that question some deep thoughts?

Different people have different dreams.

So, what's your aspiration? Do you want to become a doctor, lawyer, pilot, or entertainer?

Or...

Would you like to be a Tom Cruise or Bill Gates?

Let me tell you right now, you can become what you want to become. You can become anything you want to be as long as you put your Mind and Heart into it.

I recommend you read some biographies of the people who inspire you the most. It's a great way to give you some guidance through their experiences they share within their biographies as to how they got to where they are today.

Here are 4 more quick tips and words of encouragement to keep you all fired up towards becoming who you want to be in life.


Tip #1.

Learn as much as possible about the person you aspire to be. Let's say your dream is to become a basketball player.

Gather all facts and information about the sport. Research on the internet, read books, watch the games and analyze team strategies; in other words, strive to be an Expert.


Tip #2.

You must have the Desire and Passion to know everything you can about the subject. If you can have a real person to imitate or look up to, the better.

For example, you may see yourself as Michael Jordan (for basketball), Mariah Carey (for singing), or Heide Klum (for modeling). Feel, talk, and act as if you're that person you're emulating. You'll quickly acquire the behavior and qualities of that person. This formula works like a charm, so just give it a try.


Tip #3.

Take Motivated Action and start pursuing your dreams!

Don't wait for everything to be perfect. That will never happen. There will always be bumps and obstacles ahead. The important thing is to start Right NOW and adjust along the way.

You'll be glad did.


Tip #4.

Persist until the VERY end.

Never let failures distract you. Just keep pushing yourself to the limit.

If you think that a task seems impossible to accomplish, banish that thought... Immediately!

Your mind has the capacity to bring into reality anything you desire.

As long as you stay Focused and Patient on your objective despite any setbacks or discouragements, you will become successful much sooner than you may think.

6 Things to do if involved in a Motorcycle Accident

Motorcycle accidents have a reputation for being some of the deadliest. Motorcycles offer little protection to riders in the event of an accident; therefore the injuries are often severe requiring long recovery periods.

Usually, motorcycle accidents are not the biker’s fault. Due to the size difference between a motorcycle and passenger vehicle, motorcycles are harder to see and are frequently lost in the passenger vehicle’s “blind spot.” Due to this fact biker’s are often sideswiped by vehicles that simply did not see them.

Some shocking statistics from the National Highway Traffic Safety Administration show that motorcyclists are 32 times more likely to die in an accident than passenger vehicle occupants, and 6 times more likely to suffer injuries. It is important to remember that biker’s are entitled to compensation for injuries due to someone else’s negligence as well as passenger vehicle drivers.

If you are involved in a motorcycle accident it is important to remember the following things:
1. Report the accident to police. The police report is helpful to your auto accident injury lawyer in determining fault.
2. Record the names and statements of witnesses to your accident. Take pictures and record any unusual circumstances or whether that may have contributed to the accident. This will be especially useful should your case go to court.
3. Do not speak with any insurance agents or adjusters that may show up at the scene. This is an unscrupulous tactic sometimes used to get people to admit fault or say something that could hurt their claim.
4. Call your insurance company to report the accident. Do not speak with the other party’s insurance carrier. Let your motorcycle accident injury lawyer deal with them.
5. Even if you feel you haven’t sustained a serious injury, it is a good idea to get checked out by a physician. Some brain injuries do not show up right away and insurance companies may be reluctant to pay for an injury later on.
6. Contact a motorcycle accident injury lawyer as soon as possible.

“Cool” or “Uncool”

Health experts believe that every year 2.5 million people around the world including 400,000 from America die because of smoking. And probably millions more suffer from smoke-related illness. According to studies, additional 3,000 deaths occur in America because of lung cancer due to inhaling second hand smoke.

Smoking is linked to lung cancer which is the leading cause of cancer death. Studies show that smoking harms almost every organ of the body causing smokers to have poor health. Common diseases that may occur because of smoking are bronchitis, emphysema, and heart attacks. Smoking is also responsible for the rapid aging of skin, stained fingers and teeth because of exposure to nicotine.


But why do people smoke? People smoke for various reasons. Some smoke because they think it’s cool. Others think that it will make them lose appetite and therefore lose some weight in the process. Many believe that nicotine intake calms the mind.

Majority of smokers know the adverse effects of smoking but they just cannot or do not stop. Cigarettes contain nicotine which is a very addictive substance. Nicotine according to studies when taken in small amounts acts as a stimulant. In effect it may enhance brain activity which will be helpful in the cognitive process and also enhances one’s memory. Increase in heart rate and blood pressure are some of its harmful effects. That is probably the reason why smokers breathe faster compared to non-smokers. Large amounts of nicotine are used as pesticides.


People who don’t smoke are fitter and healthier compared to their smoking counterparts because their lungs and other organs are healthier. Also non-smokers tend to live longer than those who smoke.
Smokers should try to quit smoking for it may lessen the possibility of having smoking-related illnesses such as lung cancer and emphysema. Making someone to quit smoking is always easier said than done for it needs discipline, commitment, and sometimes medication.
Scores of “quit-smoking” products are available in the market. They come in different varieties and forms—patches, pills, and sprays. Unfortunately they are also pretty expensive.


Zyban is a drug that would help an individual quit smoking. And it is cheaper compared to its counter parts. Zyban’s side effects are generally tolerable. Dry mouth, increased sweating, headache, nausea, fatigue, and blurred vision may are some of the effects one may encounter while taking this drug.
Zyban is taken orally. Each pill should be swallowed in full. It should not be crushed or chewed otherwise the effectiveness of Zyban will be spoiled and the chances of side-effect occurrences might increase.

If Zyban overdose occurs, contact the nearest local poison control center or hospital. Symptoms of overdose may include blurred vision, confusion, nausea, and seizures.

Though there are several “quit-smoking” products out in the market. One ought to realize that quitting smoking and being successful in that task is within. It will depend on the commitment and sincerity of the one trying to overcome this adversity. There is no magical “quit-smoking” product.

Pregnant and breastfeeding women are advised to consult their physician before trying Zyban. Bupropion is the generic name of Zyban.

10 POWERFUL Reasons WHY 'Articles' Remain The Internets #1 Marketing Strategy

We've all heard it... "Content IS King" and for good reason because it IS as far as the Internet is concerned.

And when it comes to web surfers, they come online for two reasons, One is to check there email and reason number Two is to search the web for "Information".

How do you think the Internet received the reputation as the "Information Super-Highway"?

Because thats what its primary purpose was before they decided to commercialize it to what it is today.

And... what do 'Articles' contain?

The answer is quite simple... "Information".

So, what does this have to do with you?

Be the one who supplies it.

It's that simple.

Now, for the rest of this article I'm going to give you 10 POWERFUL reasons WHY you should and/or need to get started using 'Articles' as one of your online marketing strategies so you too can reap the benefits.

With that said, lets move on to reason #1.

Reason #1. Search Engines LOVE them.

It's no secret that Search Engines LOVE content, so if you supply it on a regular basis your giving them a great reason to stop on by to take a look around.

Once there they'll spider and index your website which is just what you want.

Reason #2. Website and Newsletter owners always need them.

I touched base on this earlier about why web surfers come online.

Website owners need fresh content to keep there visitors and/or subscribers coming back, where as newsletter publishers also need fresh content for there "email" newsletters that they publish and send to there subscriber base.

Remember the two reasons I discussed earlier about WHY web surfers come online. BINGO!

Reason #3. They generate Life Long residual Traffic.

Articles produce Life Long residual traffic because website owners, newsletter publishers and article directories archive them for there visitors to read and search through.

And since you have a 'Resource Box' located at the end of every article you produce with your website info and URL you'll receive traffic.

Reason #4. Great way to get One-Way HIGH PR links.

This is probably one of the best reasons because when you offer your free information with 'Reprint Rights' and the website owner decides to archive your article within there article directory and their website happens to have a High PR(popularity ranking) ranking, guess what?

You'll be able to 'Piggy Back' off there PR giving your website a PR boost because at the end of every article you produce your able to leave your 'Resource Box' with all your websites info and most important of all, your URL.

Reason #5. They're VIRAL.

This is yet another great reason to start using articles as one of your online marketing strategies simple because your going to offer 'Reprint Rights' with all the articles you produce giving Website and Newsletter owners permission to publish them causing a VIRAL explosion and Traffic surge to your website.

Reason #6. You can syndicate them via RSS.

If your up to speed on the latest marketing technology called RSS(Real Simple Syndication) and you write 'Articles' on a regular basis you can set-up an RSS feed that web surfers and/or website owners can 'Opt-In' to and syndicate your 'Articles' via RSS to them, plus, you can also submit your RSS feed(s) to RSS search engines and directories.

Depending on how many 'Opt-In' this is yet another great reason to get started with 'Articles' and another way to generate LOTS of Free targeted traffic.

Reason #7. Bloggers with BLOGS need "Information" to.

Bloggers with BLOGS or Web-Logs need information to.

If you provide quality information related to a specific Blog that blog owner just might post your article on his/her blog for their audiences/readership to read giving you again more FREE exposure for your business.

It gets better. Blogs also use RSS(Real Simple Syndication) to syndicate there content to various search engines, RSS search engines and directories giving you again more FREE exposure through there feed.

Reason #8. Info-Product developers need it to.

Ever receive a free ebook of some sort in your Inbox with related articles inside it from other authors?

When you offer your articles with 'Reprint Rights' and someone decides to include your article in there ebook for a Viral marketing campaign they're working on, guess what?

More FREE targeted traffic for YOU as that particular ebook circulates across the Internet.

Reason #9. Post them to related Forums and Newsgroups.

Remember, the Internet is all about numbers and Forums and Newsgroups contain numbers to and are yet another avenue for you to gain some extra exposure for FREE for your online business through your articles.

Just make sure you read there 'Terms' before you start posting because you don't want to receive any 'Flames' in your Inbox.(They can be Nasty.)

Reason #10. You gain INSTANT credibility as an Expert.

The best way to gain the trust of your potential customers online is to supply them with quality "Information".

By doing this your stepping up and telling them that you know what your talking about within the industry your in giving them a reason to look into what you have to offer further by following the link you provided within your 'Resource Box' at the end of your article.

WoW! Are those 10 POWERFUL reasons to get started with 'Articles' or what?

You get all those benefits by just producing ONE article.

The more you produce the more you'll benefit.

Do you see how powerful 'Articles' are now and how they can take your online business to the next level?

I certainly hope so.

In conclusion: "Content IS King" online and will remain King for as long as the Internet exists.

It's now up to you to step up to the plate and decide whether or not You want to tap into this 'Proven Internet Marketing Strategy' yourself and reap all the benefits I just finished explaining above.

Sunday, January 17, 2010

5 Relationship Killers and How to Avoid Them

As a relationship counselor, I am constantly being asked why so many relationships fail. In the 37 years that I have worked with couples, I have discovered five major relationship killers:

CONTROLLING BEHAVIOR

Most people enter a relationship with a deep fear of rejection, and this fear motivates various forms of controlling behavior. Controlling behavior falls into two major categories – overt control and covert control.

Overt control includes many forms of attack, such as blaming anger, rage, violence, judgment, criticism and ridicule.

Covert control includes compliance, enabling, withdrawal, defending, explaining, lying and denying. Often a person at the other end of attack will respond with some form of covert control in an attempt to have control over not being attacked.

Controlling behavior always results in resentment and emotional distance, bringing about the very rejection that it is meant to avoid.

RESISTANCE

Many people enter a relationship with a deep fear of being engulfed and controlled – of losing themselves. The moment they experience their partner wanting control over them, they respond with resistance – withdrawal, unconsciousness, numbness, forgetfulness, and procrastination.

When one partner is controlling and the other is resistant – which is really an attempt to have control over not being controlled - the relationship becomes immobilized. Partners in this relationship system feel frustrated, stagnant, and resentful.

NEEDINESS

Many people enter a relationship believing that it is their partner’s job to fill their emptiness, take away their aloneness, and make them feel good about themselves. When people have not learned how to take responsibility for their own feelings and needs, and to define their own self-worth, they may pull on their partner and others to fill them with the love they need.

SUBSTANCE AND PROCESS ADDICTIONS

Most people who feel empty inside turn to substance and process addictions in an attempt to fill their emptiness and take away the pain of their aloneness and loneliness. Alcohol and drug abuse, food, spending, gambling, busyness, Internet sex and pornography, affairs, work, TV, accumulating things, beautifying, and so on, can all be used as ways to fill emptiness and avoid fears of failure, inadequacy, rejection and engulfment. And they are all ways of shutting out your partner.

EYES ON PARTNER'S PLATE

Many people are acutely aware of what their partner is doing that is causing relationship problems, but completely unaware of what they are doing. For example, you might be very aware of your partner’s resistance or withdrawal, but totally unaware of your own judgmental behavior. You might be very aware of your partner’s anger, but completely unaware of your own compliance. You might be very aware of your partner’s addictive behavior, but very unaware of your own enabling. As long as your eyes are on your partner instead of on yourself, you will continue to believe that if only your partner changed, everything would be okay.

RESOLVING RELATIONSHIP KILLERS

All relationship killers come from fear – of inadequacy, of failure, of rejection and of engulfment. As long as you are coming from any of these fears, you will be behaving in one or more of the above ways.

The way out is to develop a loving adult self who knows how to take full responsibility for your own feelings and needs. You will move beyond controlling, needy and addictive behavior only when you learn how to fill your self with love and define your own inner worth. When you are willing to take your eyes off your partner’s plate and turn your eyes fully on yourself, you can begin to do the inner healing work necessary to heal yourself and your relationship.

A good place to start is to download our free Inner Bonding course and begin to practice the Six Steps of Inner Bonding. The daily practice of these steps will move you out of your addictive and controlling behavior and into the personal responsibility necessary to heal your relationship.

5 Card Stud Internet Poker Explained

To begin the game an ante is first placed on the table by every player. Remember, usually the amount is only a fraction of a bet that is set by the card room. The dealer then deals 2 cards - 1 hole card and 1 door card - starting with the player on their left and continuing clockwise round the table. The player who has the lowest card showing on the table must place the bring-in bet, which is equal to half of the lower level bet.

In the first betting round each player, with the possible exception of the bring-in player who has already contributed the bring-in amount, may either choose to fold (quit the game), call (meet the bet) or raise, increasing the bring-in to a full bet. If players still left in the round choose to only call the bring-in amount, then the player who originally contributed the bring-in is the only player who has the option to check their own amount.

During the second betting round, the game really starts to take shape as each player is dealt one more door card. Now with 2 cards showing, players have a better idea of not only the potential of their own hand, but also what winning advantages their other opponents have.

Strategies begin taking effect as the player with the highest card value begins the round of betting. The highest card value includes all cards exposed, and could consist of the highest card, pair and so on. If in the event two hands prove to be of equal value, the betting is then commenced by the player who is the closet to the dealer's left.

The player with the highest showing hand begins the betting round, and they may either check, fold or raise. If this player chooses to check or fold, the remaining players, following clockwise from that players left may check until a raise has been made.

The dealer deals a 3rd door card to each player, and the excitement continues its climb, as each players exposed hand reveals more details to their opponents at what potential their hidden card could have.

Then the final round of betting where the last door card is dealt by the dealer, giving players a pretty good idea if luck has run out for them or their opponents, or if they have instead hit the jackpot, is performed.

Finally, the single hole card and 4 door cards of the remaining players are revealed as each player left in the hand show their cards, beginning with the last player to bet and continuing in that pattern. During the showdown players may also choose to “muck” (fold out of the game, without showing their cards) their hand. The winner naturally takes the pot.

If in the event, a player wins by default, which means that every other player in the hand folded, no showdown will occur.

3 Tips For Staying Motivated Towards Your Goals

It's not always easy to stay motivated when you're trying to achieve a goal. Some experts say that the "goal" itself should be enough to inspire unwavering diligence toward achieving it...and there is an element of truth in that. However, the reality is that the discomforts of striving for a particular goal can sometimes cause us to lose focus.

Want to get in shape, save for a large purchase, "make the grade" in your studies? Don't worry...whatever you're trying to accomplish, the following tips can help you stay motivated and on track.

Visualize the End Result

Can't you just see yourself pounds lighter and fitting into a nifty outfit? The key question is how do you imagine yourself "feeling"? Healthier? Sexier? More self-confident? When you develop the ability to visualize your goals and imagine what the end results will be, you are more likely to stay motivated.

Many people have found it helpful to compose a "dream board" which is an arrangement of images representative of the goal. For instance, if you were saving money for a tropical beach vacation, then you'd get some travel brochures or create a collage of pictures from a magazine of blue ocean, palm trees, exotic fruit drinks...you get the picture!

Set Intermediate Goals and Reward Yourself for Small Victories

It's human to want results now. However, some worthwhile goals may require a great deal of effort and time to accomplish. Don't let that deter you. By setting smaller goals, you can work on each step that will eventually add up to big results in the end.

And don't forget to reward yourself when you reach small milestones along the way. Knowing that there are little "treats" along the journey to your goal will keep you excited and motivated.

Draw Inspiration from Others

Sources of inspiration to stay motivated can come from success quotes, lyrics, movies that depict people who attained their dreams through hard work or even speaking with others who have achieved what you're working toward. If they could do it...so can you!

If your focus begins to fade or you skid on a patch of discouragement, you may find it helpful to identify an accountability partner who will encourage you to stay the course. And, in instances where your partner is also striving toward an accomplishment, you'll experience the magic of motivating each other toward success.

Visualizing the end result, celebrating small victories along the way and drawing inspiration and encouragement from others are three powerful, easy-to-implement methods of staying motivated toward reaching your goals. So, go for it!

7 Surprisingly Quick And Easy Ways To Feel Happier

All of us have days when we're out of sorts. You just wish you were in a better mood. You've had days like that, haven't you? Perhaps you tried to get yourself into a better state of mind but struggled to achieve it.

Sometimes we get stuck in our own emotional dumps and forget how easy it is to feel happier, so here are seven simple ways to lift your mood. Many people have found them useful. Some of them may surprise you!


1. Go for a walk.

Most people know that going for a short daily walk is one of the best forms of exercise. When you are feeling down it is even more beneficial. If you can, go into a natural environment with plants and birds. Can you think of such a setting not? What do you notice first? The different shades of greenery, the fresh smell of country air, the sounds of birds, or the sunlight shining through the trees? Make it real by taking a short stroll.

2. Listen to quality music.

Music can shift a listener's state within moments. It's effect can be nearly magical. Dig out that CD you haven't listened to in ages or tune in your radio to something you've never listened to before.


3. Open yourself to discovering something new.

Read something (printed, not on line) different than what you would normally watch. There are a ton of different types of magazines can you get these days. Visit your local library or browse through a magazine rack. Pick up or buy a magazine you wouldn't normally buy. You may discover something wonderful.

4. Find something to laugh at.

Laughter is one of the best ways to lift your spirits. Find a humorous book, or watch a comedy. Even better, try to learn a few new jokes and tell them to others.

5. Simple breathing meditation.

Breathing meditation is a great exercise that you can do anywhere. Simply allow yourself to sit comfortably with your back straight. Now close your eyes and become aware of the flow of air into and out of your nostrils. That's all there is to it. Do this for 10-15 minutes. Notice how pleasantly surprised you can be at how you feel afterward.

6. Doodling for the fun of it.

Most people can remember when they were young and used to doodle for hours. Kids love drawing silly little pictures. Drawing is not just for kids or artists. Whoever you are get some pens, pencils, crayons or whatever you have and just draw for the fun of it. Notice how your state of mind shifts.

7. Think of others less fortunate.

The fact that you are reading this article suggests that you are probably much better off than most people on this planet. At times this may be hard to believe, but if you can read and have access to the internet, just those two things alone means you are better off than most people in the world. There are many human beings that barely have access to the basics of survival. There are people in lots of pain. Allow your compassion for them to grow.

These are all pretty simple. There's nothing profound or life changing, but when all you need is a quick pick me up these may be just the thing you need. Putting simple ideas, methods, tools and techniques into action will help you achieve change more quick and easily--surprisingly so at time-- than you imagine.

A Healthy Breakfast: Not An Impossible Mission

It’s a trite but true refrain that breakfast is the most important meal of the day. For most of us, it’s been about 12 hours since our last meal and our bodies need a good refueling. Yet, statistics show that as many at 50% of us don’t eat breakfast.

We’re too busy. We don’t like breakfast foods. We’re not hungry. We’re trying to lose weight.

Sad to say, none of those reasons are valid. There are many healthy breakfasts that can either be bought or made that are fast and even portable. There’s no law that says you have to eat breakfast foods for breakfast. You legitimately might not feel hungry in the morning, particularly if you aren’t accustomed to eating breakfast. But you should eat something, even if you make a fairly light choice, like fruit and yogurt. Trying to lose weight is the worst excuse of all. Study after study shows that people who skip breakfast end up eating more the rest of the day than people who eat a solid breakfast every morning.

So how do you get the magical mix of the right nutrients that will give you energy and send you healthfully into your day?

It’s not that hard, really. Spend a little bit of time thinking about what you like and then plan some healthy breakfasts. Here are some ideas to get you started:

* If you need something portable, the ever-popular smoothie is a good choice. Be careful when you purchase a smoothie at a shop, however, as some can have as many as 600 calories. You can purchase a good blender or smoothie maker to have at home and whip up your own smoothie in less time than it takes to stop at a smoothie store, and you’ll know exactly what’s in it.

* For an even faster breakfast, try making some breakfast burritos and keeping them in the freezer. You can use regular or whole-wheat tortillas, scrambled eggs (either whole, all whites, a mix, or an egg product), some veggies like peppers and onions, and soy sausage. These freeze beautifully. Pull one out, and while you’re pouring your coffee, it can be heating in the microwave. Add a banana or apple for on-the-go dining.

* Cereal is a fine breakfast, as long as it’s not the only thing you eat. Consider adding some banana or blueberries on top, or fixing it with soy milk for a healthy dairy addition. Otherwise, stick to skim milk.

* If you don’t like breakfast, consider making a peanut butter and jelly sandwich on wheat bread. Grab a banana on the way out the door. Have some leftover vegetarian pizza from dinner? That’s a fine breakfast, though you will want to add a glass of milk or some fruit to round it out.

* Trying to lose weight? Breakfast might be the easiest meal to fill up without using a lot of calories or fat. Have oatmeal with soy milk, or a high-fiber cold cereal. Consider a homemade version of a fast-food sandwich. You can fry up an egg, add a slice of Canadian bacon and put the two into a toasted English muffin for a 200-calorie, filling breakfast.

6 Credit Card Secrets; Banks dont tell you



1. Interest Backdating

Most card issuers charge interest from the day a charge is posted to your
account if you don¹t pay in full monthly. But, some charge interest from the
date of purchase, days before they have even paid the store on your behalf!

REMEDY: Find another card issuer, or always pay your bill in full by the
due date.



2. Two-Cycle Billing

Issuers which use this method of calculating interest, charge two months worth
of interest for the first month you failed to pay off your total balance in
full. This issue arises only when you switch from paying in full to carrying a
balance from month to month.

REMEDY: Switch issuers or always pay your balance in full.



3. The Right To Setoff

If you have money on deposit at a bank, and also have your credit card there,
you may have signed an agreement when you opened the deposit account which
permits the bank to take those funds if you become delinquent on your credit
card.

REMEDY: Bank at separate institutions, or avoid delinquencies.



4. Fees Are Negotiable

You may be paying up to $50 a year or more as an annual fee on your credit card.
You may also be subject to finance charges of over 18%.

REMEDY: If you are a good customer, the bank may be willing to drop the
annual fee, and reduce the interest rate ‹ you only have to ask! Otherwise, you
can switch issuers to a lower- priced card.



5. Interest Rate Hikes Are Retroactive

If you sign up for a credit card with a low "teaser" rate, such as 7.9%, when
the low rate period expires, your existing balance will likely be subject to the
regular and substantially higher interest rate.

REMEDY: Pay in full before the rate increase or close the account.



6. Shortened Due Dates

Most card issuers offer a 25 day grace period in which to pay for new purchases
without incurring finance charges. Some banks have shortened the grace period to
20 days‹but only for customers who pay in full monthly.

REMEDY: Ask to go back to 25 days.

 


SOURCE: MASSACHUSETTS EXECUTIVE
OFFICE OF CONSUMER AFFAIRS AND BUSINESS REGULATION

10 Good Reasons why YOU should jump into Trading FOREX

Foreign Exchange Market is a market where traders buy and sell currencies with the hope of making a profit when the values of the currencies change in their favor. People are making vast amounts of money from Forex trading. The Forex Market has a big potential for everyone, ranging from large corporate firms to ordinary, everyday people like you and me.

It is a very exciting trade with a huge money-making potential. Just imagine yourself sitting comfortably in your pajamas at your computer… you turn on the internet and make a few quick transactions and by the time that you get up to get a cup of coffee, you are several hundred dollars rich! Would you like that? I would!!

I can hear you say, “Wait a minute!! This sounds just like another one of those confusing markets like stocks, options or traditional futures, so what makes this market any different?”

Aaah! Good question! So, in answer to your question, here are 10 good (if not great) reasons to enter the Forex Trade:

1. First and foremost, Forex trading allows for small investments. You do not have to be able to invest thousands of dollars to get started with this trade. You can start trading Forex with as little as $300 to $350 and could be well on your way to earning more than that on your first day.

2. The Forex markets are always open! You are able to trade anytime and from anywhere in the world. No waiting for the stock exchange to open. The market is ongoing, with generally only minor breaks on the weekends.

3. The funds that you invest are liquid; you can cash them anytime you want. No waiting for days to get your stocks converted into hard cash.

4. The value of the Forex Trading market is COLOSSAL: it is 30 times larger than all of the US equity markets combined. It is the largest market in the world with daily reported volume of 1.5 to 2.0 trillion dollars. This massive value makes it a lucrative and desirable trade to invest in.

5. It is a highly stable trade and offers greater strength over other markets. Countries and people are ALWAYS going to need currency. Although the value of different currencies goes up and down, the fluctuations are not as dramatic as stock prices and generally follow a predictable trend.

6. You do not have to worry about commissions, exchange fees nor any hidden charges when you trade Forex. Forex brokers make only a small percentage of the bid and there are very respectable and free brokers available as well. Is that not wonderful for you?

7. You make profits no matter which way the currency is going. You will not worry about a falling currency value if you know what to do with it and make good gains.

8. Forex is a very transparent market. Unlike equity markets, where analysts have an unfair advantage over the layman because of their insider knowledge, the relevant information for Forex is equally available to every one through international news. Therefore, all Forex traders are in a position to make pertinent decisions according to the current market situations.

9. Forex market is extremely quick! It takes not more than 1 to 2 seconds to complete your transactions because it is all done electronically, online and in Real Time.

10. The final good news is that you do not need any formal education, licensing, diploma or degree to trade Forex. All you need is the know-how of how it works, trading strategies and some tips and techniques and you can be on your way to earn big profits.

Forex trading online may be the fastest path to financial freedom and an end to all your financial worries. It truly is an excellent, if not THE best home business opportunity for ordinary people.
You owe it to yourself to give it a try!!!
Prosperity and happiness to all!

A Man's Guide to Buying Lingerie for his Lady

Most men know nothing about picking out lingerie, which is understandable because it can be confusing. What type of lingerie to buy, what size, what color - how is a man to know? Here is a little guide to help you when choosing lingerie for that special someone.

There are a few things to consider before you go out. What does she like? Remember that you will not be wearing this - she will and you should go out with the intent on getting something she will like. If she is not into lacey, tiny, see-through teddies, chances are if you buy that, she will not be in much of a mood to wear it and you may never see it. So keep what she likes in mind.

If you do not know, check out her nightgown/lingerie drawer before you leave. Check for material type (cotton, silk, etc.), colors, and most importantly, size. She may be flattered if she wears a large and you get her a small, but if she wears a small and you buy her a large, you may find yourself in trouble. Avoid anything that says "control" on the label. Those items are used to firm and flatten tummys and rears and she would probably not appreciate receiving them as a gift.

Another thing to remember is if the store offers to wrap the lingerie let them. Dainty lingerie will look better in their wrapping than if you wrap it in the paper left over from your cousin's birthday. Presentation is part of the package with lingerie. Also, if you are uncomfortable in the store, check out online stores that sell lingerie. You can always start at Victoria's Secret, but most major department stores like Macys and Nordstroms also sell lingerie. Final note - remember to keep your receipt just in case it is the wrong style, size, or color.

Now, what type of lingerie is available? Just about anything you can think of! Ask yourself what the occasion is. Is this to let her know you love her? If so, something crotchless or see-through probably will not send that message. But, if it is for Valentine's Day or your anniversary, something a little more risqué might be appreciated. Bras alone have many different styles including push up, plunge, gel filled, padded, under wire, seamless, backless, strapless, open cup, and unpadded.

If you are purchasing a bra and panty set, always check out what she has in her drawer beforehand and definitely make note of the size - of both the bra and panties. Most places sell at least one pair of panties that match each bra, but some will sell several so you can mix and match. It will help to know what type of panties she likes to wear too - thongs, briefs, or high cut bikini.

When it comes to sleepwear, it can be just as confusing. One type of sleepwear is babydoll pajamas. They usually have very thin straps, a plunging V neckline, and are very short with matching panties. You will find most of these made out of silk or satin, materials that always make a woman feel good about herself. But, if she feels her breasts are too big or too small, or thinks her stomach is too big, you might want to avoid babydoll pajamas.

There are slips and chemises. Similar to the babydoll pajamas, these are a little longer and a little better at concealing problem areas such as breasts, butt or stomach. They too are usually made of silk or satin.

Gowns are full-length versions of the babydoll. Many are see-through or lacey and can help put your woman in the mood. Babydolls, slips, chemises, and gowns may also come with a robe.

A pajama set might not sound too sexy, but if it is silky, and buttons up the front, it can make your woman feel very sexy, especially if she is a plus size (size 18 or larger). Boxer sets have become very popular lately. The tops are tight, with thin straps and usually a V neckline, although there are boxer sets with normal t-shirt tops.

If you are really looking for lingerie to spice up your love life, take a look at Frederick's of Hollywood (available online). They have been selling sexy lingerie for over 50 years. They have a wide variety of garter belts, bustiers, corsets, teddies (similar to the babydoll, but one piece), crotchless panties, and fishnet stockings - items that may not be available at many stores that sell lingerie.

What type of lingerie you should get your love depends a lot on her self-esteem. Many big woman love sexy little teddies, but some will shy away from them, for fear of exposing too much of themselves. Most stores sell lingerie in plus sizes, which are a little less revealing. If she is really athletic, a boxer set might be something she would like. Thin women will look good in anything, but especially teddies, corsets, and babydolls.

When shopping for lingerie, try to keep in mind what she likes. If you purchase something similar to the lingerie she already has and in colors you know she likes, it will probably make her happy. But, keep the receipt just in case!

3 Simple Ways To Save A Bunch Of Money When Buying A New Computer!

Looking to buy a new computer?

Overwhelmed by all of the options available to you?

Stressed by the high cost of computers today?

For most people, buying a new computer does not have to be as stressful as buying a new car. Nor does it have to be as expensive. If you’re like most people, and you have a limited budget for buying a computer, then you need to try to get as much computer for your money as possible.

Here are 3 simple ways anyone can save money when buying a new computer:

1) Shop around for best deal.

Sounds pretty obvious. But many people don’t realize they don’t need the fastest, most expensive computer with the most “extras”. In fact, if you are already using an older computer, even the least expensive new computer will be a big upgrade. If you don’t know a lot about computers, you can learn a lot by shopping around. Ask lots of questions, compare prices, compare features, then find the best price. Shop at your local electronics store, and look for the best deals online. You’ll be surprised at how much money you can save by shopping around!

2) Install your own “extras”

Many computers you will find in a store have a lot of extra software already installed. While this is convenient, it is not always the best way for you to save money. Also, while many of these extras sound good, you don’t always need them. You can often find better deals by shopping around separately for your own software extras (such as a word processor, anti-virus, popup blocker, spyware removal, games, etc). And some of these you can get for free. So before you buy the “fully loaded” computer, ask yourself if you really need all the extras, then shop around to see if you can buy a scaled down computer - and get the extras yourself for much less!

3) Don’t buy extended warranty

If you are not a computer “techie”, the extended warranties offered by the computer retailers often sound like a good idea. After all, who wants to be bothered paying for service on a computer after you buy it. But keep in mind that most computers come with a warranty, and most computer problems will either happen at the beginning (when you still have the warranty in effect) or much later (when it might be cheaper to buy a new computer). Technology changes very quickly these days. So consider whether or not it’s worth the inflated price of the extended warranty. And, if you really feel you need the extended warranty, then ask to purchase it at a lower price. Not all retailers will negotiate on the warranty, but some will. And whether you buy the extended warranty or not, make sure you back up all your files periodically, just in case!

If you have an unlimited budget, consider yourself lucky. And if you do business on the computer, make sure you get what you need, while trying to keep the price down. At any price, buying something that does not fit your needs is not a good deal.

Hope you find these tips helpful, and happy computer shopping!

How to Make your Computer your Personal ATM

Do you think that ATM’s are only available at banks and credit unions? Think again. Your computer can become your own personal ATM machine. How can you turn your computer into a money making machine? Jump into the world of internet marketing. An Internet marketing business is not only profitable, but can be started quickly and affordably.

What should you do first to help you start an Internet marketing business? You need to create a website that reaches millions of potential customers all over the globe. There are hundreds of software programs, companies, and offerings out there. If you are not familiar with Internet infrastructure then you may have a difficult time trying to find the right company to host your website. We have taken the confusion out of this situation for you by providing references for the best software tools to help get you started.

First, you will need a domain name. Domain names are the text that users will type into the Internet to access you website. Think carefully about your domain name so that it is relevant to your product or service. Once you have a domain name in mind, you need to make sure that it is not taken. You can type it into your Internet browser and see if anything comes up. However, it is good to check this through the domain provider we recommend which is www.godaddy.com.

When you purchase a domain name at www.godaddy.com, make sure that you only purchase the domain name and none of the extra services. Godaddy has a tendency to jack up the prices on these services when you can find them much more affordably at www.frontierpowerhosting.com.

Frontierpowerhosting.com will be your web hosting service. This web hosting Service Company is top notch because you receive your OWN IP address. It is critical to have your own IP address so that your emails are never blocked due to an email spammer that has the same IP address. Frontierpowerhosting.com also has excellent customer service phone support. In addition, Frontierpowerhosting.com provides an “Email Tracker” feature which enables you to track your emails. Frontierpowerhosting.com also will provide you with information regarding the deliverability rate for any emails you send. This information will help you tailor your marketing efforts.

Next you will need to setup a “smart Autoresponder”. A smart Autoresponder is one that automatically sends emails or forms to users in order to capture their personal information. Make sure that your Autoresponder captures the following information: first name, last name, email address, time and date stamp.

An effective smart Autoresponder is called “Auto Responder Plus” which you can find at www.arp3.com. Auto Responder Plus is software that you can download on your web hosting account.

Once you have these tools in place, you are ready to create your website. Change your personal computer into a cash cow today!

3D Animation

3D animation deals with electronically produced computer-generated 3D imagery used in motion graphics and digital special effects. In this case, the animator creates a design style or concept that tries to visually interpret and convey the required information using both new and traditional animation techniques.

The 3D animator will have to be well-acquainted with 3D animation applications and software, film and video production techniques, production processes, digital special effects, art and design movements and methodology, typography, styles of performance and dramatization, film and broadcast genres, technical scripting, health and safety regulations for the film and broadcast industry, and an understanding of budgeting and scheduling processes.

The job of the 3D animator is to design and realize original concepts, character and content creation. The animator, therefore, is responsible for devising and communicating creative ideas and accurate technical information. They have to provide the client with detailed estimates of costs, and work within the budget and schedule.

Each assignment will have different demands. So it is imperative that the animator should have a good knowledge and experience of animation software and broadcast processes, as well as a broad knowledge of technical scripting and digital technology used in broadcasting. The designer must be able to respond with innovative concepts and practical solutions for each assignment. The assignments may be of any kind, from designing a spinning top to re-creating mythical weapons.

To succeed in 3D animation, one must have a thorough understanding of computer-generated processes and applications to be able to achieve creative responses to design briefs within the restrictions of budget and deadline. He/she will be required to possess a passion for design, good communication skills and a good understanding of broadcast, special effects and character animation. Last but not least, he or she must enjoy working as a team member under pressure.

In addition to being able to demonstrate high standards of computer-generated imagery and animation techniques you will need to have a good knowledge of art and design movements and imagery, creative problem solving and innovation, and the understanding of how to deliver design concepts and processes.

Saturday, January 16, 2010

5 Ways To Make Money With One Article

Would you like to know a winning formula on how to make money on the Web from writing articles? Here's how I do it: I write an article, create 4-5 versions of it, and sell it for use by others in my same profession. In fact, just that one part of my business generates enough income to fully support myself comfortably. Just about anyone in any profession or business can copy this formula.

I write articles for executive coaches and business consultants. They use different versions of my articles in their own newsletters, with their own names in the byline. When they purchase an article, they get reprint rights, but not exclusivity. But since they are in all parts of the country, and the world, they don't bump into others using the same article. They are also free to change the article.

This formula can be used in any industry. Let's say you are a veterinarian. You know a lot about pets, and about your vet clinic clients. You can easily write articles that appeal to your customers who are pet owners. You may already write and publish a regular newsletter with articles that appeal to your clients and potential clients.

What's to stop you from writing your article to suit the needs of other vets who need to send out a newsletter? You post a brief synopsis of this article on your website for vets, offering it to them for a fee. They buy the reprint rights, and it gets used by hundreds of other vets who want to save themselves time and energy on their own newsletters.

That is one way of making money by writing articles on the Web, but here are four more ways, all from the same article.

This same article is revised several times in several lengths. It can be sold in three different lengths, for example, 2000 words to form a 4-page newsletter, 1000 words for a 2-page newsletter, and 600-700 words for electronic email ezines. That makes three more ways to sell the same article.

You also take that same article, change the title, make it more personal adding your own experiences, including your personal details and website links. You submit it to article directories on the web.

This version of your article with your name on it gets picked up - this time for free - by other websites looking for content. Each time another website publishes your article on their site, they link back to your site. The more incoming links you have to your website, the higher value the search engines give you.

This means you will start coming up higher in the search engine rankings when people type in key words in Google or one of the other search directories. That is a fifth way to make money from the same article. This technique is more indirect. Your article is being used for free, but the linking power will drive new customers to your site.

Finally, you can use this same article, or another altered version of it on your own website and blogs, to attract new clients to you. Having quality content on your site and on your blogs will ensure that readers appreciate your expertise and use your services, or buy your products.

Here's a bonus idea for making money from your articles: compile a group of articles about the same topic, format them into a PDF e-book, and sell it on your site.

You probably have knowledge and expertise in your own field that others would pay for, in order to have quality content for their own newsletters. This method requires good writing skills, or you can hire a professional editor to help you. It also requires you master the art of marketing on the web in order to reach potential buyers of your articles. To market successfully, you can submit your articles to the many article directories on the Web, and quickly build traffic to your websites and blogs.

3 Important Planning Steps before Working with a Divorce Lawyer

If you are planning on a divorce then it is paramount to know how to work with a divorce lawyer. There are three important planning steps that you can use to make the process simpler and also try and keep costs down.

Get Organized – It is important that you get yourself organized. A lawyer is going to ask you for an inventory of all of your assets and liabilities. You can get all this information before you meet with the attorney. The attorney will need this information in the form of written evidence such as bank statements, credit card statements, etc. They cannot just operate on the work of their client in this matter. Understand that tax returns will likely be requested, also. Other items that come into play are 401K plan statements, pension statements, and IRA statements. Also, if you have wills or other documents that may prove that some of your property is separate and not community property. Separate property was either brought into the marriage or received in the form of inheritance.

Set priorities – Setting priorities can be vital in making sure that you do not get bogged down in the process. By priorities, I mean determining what is important for you. Remember that all the assets are going to be divided. You should figure out if you want to keep the house or not. You should then determine other material possessions and what is important for you. It is important not to get too carried away, because you may not be able to “keep everything”. Realize that your spouse will get things as well. If you have children, determine who will get custody. Then determine a proposed visitation schedule for the other spouse. Children and visitation are often the issues that bog down the divorce procedure.

Be reasonable - Being reasonable can help you get divorced so that you can get on with your life.
Think about what may be important to the other spouse. Sure you may hate him/her, but you still have to reach an agreement on separation of property, residence for the children, and visitation. A big part of getting through the divorce procedure is being prepared for negotiations. This way ahead of time you can have an idea of what you may give up and what your spouse may give up. As mentioned under the priorities section, these are the things that really matter. Don’t treat this like a contest. Generally, the people that win in a contest are the attorneys due to the high legal fees that can be incurred. Realize that it may be a 50/50 split in the end. Thus, being reasonable should help you contribute towards the other spouse’s 50 while getting you the things that are most important.

In summary, a divorce lawyer works for an hourly wage in most circumstances. Planning on your part can help keep these costs down and also speed up the divorce process.

"Life With Woody" 10 inspirational quotes than can improve yourself

It might take a little coffee or probably a few rounds of beer or any other booze you could get your hands on when it comes to relaxing after a hard day's work. Well, yeah I'm guilty about that one as well, unless I'm caught dead wearing a lampshade over my head after a few rounds of vodka… half-naked! Okay, bad example and I apologize to everyone reading this after getting nightmares about me in that state of drunken stupor.

Just don't ask how it happened, please.

But what's really interesting is that how do people go through the usual part of life when faced with vein-popping stress? I mean, the new age thing like Zen or yoga is one of the good things and it actually works. Is there room for the intellectual side of people who can actually smell the roses-in-a-can while on the move? It kind of had me thinking that there really must be something in this 'mind-over-matter' thing.

Humor is indeed the best medicine there is whenever you are. I mean anyone can pay good money to listen to a comedian just to make you wet your pants after laughing so hard. Despite of what's been happening, and to those who has gone though the ordeal, it's better to just laugh while facing the troubles with a clear mind than anger with a clouded vision. One of my favorite celebrities of all time may have to be Woody Allen. Now this is one guy who gives you the in-your-face bluntness that he pulls out with gusto, even without even trying. You can talk just about anything with a man, and he's bound to mock the subject and you'll end up laughing rather than being upset about it.

Woody Allen has this to say:

1. "Money is better than poverty, if only for financial reasons." It sounds good to me, I mean the practicality of all things does involve money but it doesn't have to take an arm and a leg to get it.

2. "I believe there is something out there watching us. Unfortunately, it's the government." 'Nuff said.

3. "There are worse things in life than death. Have you ever spent an evening with an insurance salesman?" This happens to be one of the classic ones. I mean the issue about life's little problems isn't all that bad, until 'he' shows up.

Sure, relationships can get complicated, or does have its complications that probably any author about relationships is bound to discover it soon. We follow what our heart desires, unless you're talking about the heart as in the heart that pump blood throughout your body.

4. "Love is the answer, but while you're waiting for the answer, sex raises some pretty interesting questions." And if you want more, just keep on asking!

5. "A fast word about oral contraception. I asked a girl to go to bed with me, she said 'no'." It sounds, 'practical', I think.

And when it comes to everyday life, he really knows how to make the best out of every possible scenario, and it doesn't involve a lawsuit if he strikes a nerve.

6. "Basically my wife was immature. I'd be at home in the bath and she'd come in and sink my boats." I never had a boat in my bathtub before. Just staring at it while soaking in hot water makes me seasick already.

7. "I am not afraid of death, I just don't want to be there when it happens." If it rains, it pours.

8. "I am thankful for laughter, except when milk comes out of my nose." It could get worse when you're guzzling on beer… or mouthwash, and it happened to me once!

9. "If you want to make God laugh, tell him about your plans." At least he doesn't smite us with lightning, and I'm thankful for that.

And despite of what may happen to all of us in the next ten, twenty, or even thirty years, I guess we all have to see things in a different kind of light and not just perspective. I can't seem to imagine life without any piece of wisdom that could guide us. Whether we're religious or not, it takes more courage to accept your fears and learn how to deal with them is all that matters when it comes to even just getting along.

And to sum things up, here is the last nugget of wisdom to go by… however, whenever, and wherever we may be.

10. "The talent for being happy is appreciating and liking what you have, instead of what you don't have."

Ciao!

3 Tips For Becoming An Outstanding Online Instructor!

Distance Learning is a popular choice for many college students these days. After all, what could be more convenient than taking a college course from the comfort of your home (or dorm … or office …) computer?

While distance learning has grown tremendously over the last few years, it is still a relatively new means of instruction.

And teaching online requires different skills and expectations than teaching in a classroom. Many faculty members are hesitant to learn these skills. But simply putting a few notes and other materials from a classroom does not make for a very effective online experience.

What are the 3 most important skills that you need to be a truly outstanding online teacher?

1) You must communicate frequently with the students.
Frequent communication does NOT mean that you must be online every hour of every day. But it does mean that you need to be in contact with students frequently. How frequently? At least every other day. Rather than teaching in 2-4 hour blocks in a single day, like you would with many college classes, spend 15-45 minutes a day answering emails and monitoring your online course. At the end of the week, the time spent teaching online should be similar to the amount of time spent teaching in a classroom.

2) Be organized & be clear
Let students know from the beginning exactly what is expected of them. And set the ground rules for the course. Let students know how often you will be online, so they don’t expect an immediate response regardless of the time of day. Explain to students how they will be graded, how quickly they will receive feedback, how they should submit assignments, how they should contact you, etc. The more students know ahead of time, the less time you’ll spend responding to problems.

3) Engage the students in the learning
Lecturing and testing are standard in many campus classes (not they there necessarily promote effective learning, but that’s another story!). Teaching online offers the opportunity to reach students in many different ways – projects, discussions, comparing ideas, sharing knowledge with other students. Use as many different ways as possible to engage students, and promote active learning. Without the confines of time that are present in a campus course, and with the ability to share and discuss ideas online, not making good use of these opportunities leads to lost “learning moments”.

There is no better way to learn how to teach online than to learn online – so, before you decide to teach online, take an online course yourself.

You’ll understand what it is like to learn from a distance, without an instructor standing in front of you. You’ll understand what it is like to have to wait for answers to your questions. And you’ll learn more about how the technology can HELP you teach.

You certainly DO NOT need to be a technical expert to teach online. But you should be:

• comfortable with the Internet
• familiar with sending and receiving email
• ready to spend some time setting up your course for the first time
• aware that becoming an effective online teacher takes some time (often several courses)
• excited about learning a new skill that will help you!

Some will say there is no substitute for seeing the student’s faces. Others will realize that many students will flourish because they have more time to prepare thoughtful answers, and won’t be fearful of speaking up in front of a large group.

Teaching online can be very exciting, and very rewarding, as long as you are prepared!

10 Basketball Skills You should Learn

Learning how to play basketball is learning its fundamentals. Here are those:

1. Dribbling - is important to penetrate to the hoop, move the ball across the court, get away from the defense, and find a good passing lane. There are different types of dribbles:

• change-of-pace,
• crossover dribble,
• behind the back,
• pull back dribble,
• low dribble,
• basic dribble,
• between the legs dribble

2. Passing - A good offensive attack requires good passing from players. This helps find an open man, to find a good shooter or to get away from a defender. There are several types of passes you need to learn:

• Overhead Pass
• Chest Pass
• Push Pass
• Baseball Pass
• Off-the-Dribble Pass
• Bounce Pass

3. Shooting - The object of the game is to win by scoring the most points. Therefore, improving the team's shooting is important to win a game. There are several ways to score in the game:

• Jump Shot
• Dunk
• Alley oop
• Free throw
• Layup
• Three-Point Shot
• Hook Shot

4. Rebounding - is essential to gain or regain possession after the shot. Usually, the team who has the most number of rebounds after the game has more shot attempts and chances to score.

5. Offense - is the only chance that the team has a shot at the basket and scoring. Playing a good offense requires coordination among players and individual skill to execute well plays.

6. Defense - To be able to get a chance to score and gain possession, the team should play good defense and try to stop their opponent from scoring. As said, "A good defense is a good offense."

7. Moves - There are different kinds of basketball moves that are important in executing both a good offense and a good defense. Moves are helpful in finding an open man, make a good shot or create an amazing play.

8. Violations - Knowing the kinds of basketball violations improves your game.

9. Assist - is given to a teammate to help him score easily. Thus is it important to find an open man on the court

10. Foul - is often an accidental contact made by the defender to his opponent or an aggressive move by the ball-handler towards his defender. However, a foul is also used as a strategy to stop the clock or to keep the shooting player from scoring easily. Learning how to use your fouls well is important in the game.

It’s Not Rocket Science

Wagerweb.com has posted odds offering bettors the chance to predict which Major League Baseball team Roger Clemens will return to. Clemens is clearly enjoying the attention he is garnering from his four suitors. Let’s take a look at how Clemens has played this situation thus far, and how it will play out at the end.

THE EASY MARK:
Roger Clemens enjoyed opening day in Arlington Stadium, sitting next to owner Tom Hicks. When Clemens was introduced and shown on the scoreboard, the fans went crazy. Do the Rangers, who have gone all these years searching for pitching, really have a shot at Roger Clemens? Well, the Rangers are an improved team, with Kevin Millwood leading some young up-and-coming pitchers. And it would do wonders for Clemens’ legend to ride into Arlington on his horse and lead them to their first World Series. Is it going to happen? No. Why would Clemens pitch in a hitter’s park for a team which, despite their improvements, is not a serious World Series contender? More likely, Roger was paying attention when Tom Hicks bid against himself to sign Alex Rodriguez to his franchise-crippling $250 million dollar contract. This is exactly the type of guy you want to draw into the bidding. Wagerweb.com has the odds on Clemens going to the Rangers at 6-1. Trust me, it’s far longer than that.

AN OFFER HE CAN’T REFUSE:
Roger Clemens still keeps in touch with buddies Derek Jeter and Jorge Posada, and there were reports that Jeter had his ear during the World Baseball Classic. And if Clemens is looking for a sure bet to get to the playoffs, it’s been a while since the Yanks sat out October. Can Clemens return to the Yankees? Probably not. Roger Clemens already got a Hummer as a retirement gift, and you have to figure, after feasting on weaker National League number eight hitters, and pitchers’ feeble attempts to catch up to his fastball, he might not be dying to face more formidable American League lineups. If Randy Johnson keeps looking his age, can George Steinbrenner make Roger Clemens an offer he can’t refuse? Could happen, but George will never let Clemens skip road trips in fear that all of his stable of superstars will demand the same special treatment. At 1:2, this is not a good bet.

FINISH WHERE HE STARTED
Imagine the nostalgic feeling of coming back where you began your career, and leading that team to a World Series. What a perfect symmetry to a career. Almost like a movie script. Only the impact of leading the Red Sox to a World Series is not nearly what it was two years ago. The Red Sox already have had a hero who started in their organization come back and lead them to the Promised Land. And that hero wore a bloody Red Sock. How can Clemens possibly top that? Besides, if the Red Sox really get close, Mr. Steinbrenner may very well make him an offer he can’t refuse. At 1:1, I just can’t see this as a good bet.

FINISH WHAT HE STARTED
The first year, Clemens led the Astros to the playoffs. His second year, he helped them to their first World Series. Why not finish what he started? The Astros are off to a great start. Besides, the Mets, Cardinals and, possibly the Phillies, who can you remotely predict can stop them from at least getting there? His best friend Andy Pettitte has mentioned the possibility of retirement after this year (Don’t bet on that, though). Houston offers him a chance to stay close to home and it lets him skip those pesky road trips. They have already made him a generous contract offer. The odds are 2:1.

After all that analysis, it must come down to this: If you could work closer to home, travel less, and not have to work as hard, for similar money, what would you do? Come on, this may be Roger Clemens, but it is not rocket science. Bet the 2:1 on him returning to the Astros. It may be the best bet available on the entire website.

5 Tips For Fountain Pens Gift Giving

Fountain pens make great gifts. They're personal, stylish and fun, not to mention very useful in everyday life.

There are so many fine pens to choose from, and you can guarantee personalization by having them engraved. However, because there are a lot of options, choosing the "right" pen for that special person on your gift list can be intimidating. Here are some tips for making it easy and enjoyable instead.

Tip #1: Focus on the other person's preferences, not your own.
If you like the same things, you've got it made. But that's usually not the case. Put yourself in the other person's shoes and you're off to a good start.

Tip #2: What type of writing instrument?
There are four choices: Fountain Pen, Ball Point Pen, Rollerball Pen and Mechanical Pencil. What type is used as an everyday writing instrument? How about for special occasions like signing documents or writing personal correspondence? What is his or her profession? Answering these questions will help you determine the type.

Tip #3: Evaluate a handwriting sample of the person.
This is especially helpful if you're going to pick out a fountain pen. And it's easier than it may sound. For instance, a fine nib is your best bet for smaller writing or writing that has slimmer lines. On the other hand, a medium to broad sized nib works well for writing that's larger and darker. If the sample wasn't written with a fountain pen, it will either confirm or change the decision you made as a result of Tip #2.

Tip #4: Decide how much you want to spend.
This can help you narrow the field and not get too distracted. But give yourself a reasonable range so you'll still have plenty of choices. Sometimes a slightly more expensive writing instrument will make a big difference in quality, performance and appearance.

Tip #5: What's the person's style?
Is he or she traditional, a trendsetter or somewhere in between? Get your clues from personal or business attire, accessories such as watches, jewelry and eyewear, even what the person drives. These answers will help you pick a pen brand, finish, color and more, until you've made your final selection.

Facebook: $750 Mil in Hand Worth More than $2Bil in Sky

It came up conversationally, but I believe I’m the only person at my company to have firsthand experience as a user of Facebook.com. It was kind of funny to have all these online advertising professionals asking me all about the website everybody used in college. Didn’t they get the memo? I’m new. I should be asking the questions around here. The subject of Facebook.com is an interesting one that’s worth a closer look.

Without question 2005 was the year of MySpace. Before Rupert Murdoch’s $580 million social networking venture took the interactive world by storm, it’s difficult to believe that even the most optimistic of the billionaire’s lackeys would have predicted that new acquisition would more than quadruple its reach within a matter of months. With 23.5 billion page views by February, MySpace became the second most trafficked site on the Internet.

Murdoch’s success naturally generated buying interest in anything deemed online social networking. One proposed deal in March 2006, was Viacom’s unsuccessful $750 million bid for Facebook.com, the phenomenon started by wunderkind Mark Zuckerberg. After Facebook.com declined the offer, its founders pegged Facebook.com’s worth at two billion dollars. Perhaps the brilliant sparks from MySpace’s success has blinded Facebook.com to the flipside reality of Friendster’s paradise lost. There’s a real chance Facebook won’t see an offer this generous again.

Facebook.com is essentially an online medium of communication for college students and high schoolers. For its valued reach Zuckerberg and his crew of Harvard dropouts (taking their cue from Bill Gates, no doubt) must be looking for Google-sized compensation, but the two billion dollar figure is arbitrary and difficult to justify. Perhaps Facebook is emboldened by their own wise decision in not selling to Yahoo for $15 million in 2004.

Zuckerberg was likely trying to establish a market value for his creation, not an unwise move on the face of things. However, Viacom’s offer was not by any stretch of the imagination pocket change and the number of entities that can and will double the bid Facebook already got is finite.

Facebook’s traffic numbers, as referenced on Alexa.com, during the last three months are not encouraging; that is, if the goal is to fish for more and greater buyout bids. The numbers actually have trended downward since March, anathema for enticing hyper bidding growth. These diminishing statistics can be at least partially attributed to the cyclical nature of the school year since Facebook, after all, is geared towards the college student. It doesn’t matter how great the product is, it won’t keep students from doing their own thing during summer vacation and this yearly dip is potentially damaging.

Seeing as how fast online fads can expand and contract in social networking as we’ve seen in its short time span, what if the numbers don’t come back? What if something new pops up in two months that steals Facebook’s thunder? (And, again, MySpace’s success serves as good reason why this thunder is worth stealing.)

Facebook.com’s success has also been marred with some controversy that could taint its popularity with students. At Syracuse University a flap over freedom of expression ensued when a Facebook.com group went overboard in critiquing a student teacher and ended up with expulsions from the class and social suspension before three students transferred. After Penn State’s football team beat Ohio State this year students rushed the field and made a ruckus. Overwhelmed police made only two arrests that day, but later in the week they logged onto Facebook.com and, like Canadian Mounties who always get their man, got plenty of names and faces and photos from the info posted by students about their on-field shenanigans. Kids talk and these stories spread like wildfire, which may affect Facebook.com negatively – they can’t control misuse of their product and the negative repercussions that come from it.

The future is promising for the social networking business space and I don’t believe Facebook.com is doomed. Still, given the nature of short-lived and over-hyped dotcoms, Facebook may have reached their growth climax this school year, with possibility for expansion and success only contingent on acquisition. Time may not be on their side because as the pages of the calendar turn there will doubtlessly be new fads and trends that will threaten to make something else the “Next Big Thing” at Facebook.com’s expense. The clock is ticking.

1.000.000$ With Google In 6 Months

Did you know?

That internet advertising revenues reached an estimated new record of $4.2
billion for the third quarter of 2006 and that the internet advertising market
has been growing more than 30% for the last 4 consecutive years.

"Google reported revenues of $3.66 billion for the quarter ended March 31, 2007"

Google Adsense is revolutionizing the web, high school kids are making fortunes
per month with Adsense paying their classes and helping their fathers paying
the bills at home.

Lawyers and doctors gaved up their practices to make millions with Google.

Thanks to Google Adsense revenues the internet is growing faster each day, while
Google is paying the bills webmasters create more quality websites with free
content and utilities for everyone, websites that you look for when your cash
flow is fading. People create websites just for make money with Adsense and
this reason is reflecting on the web contributing to the fast growth of
thousands of websites and ideas that born every day. When you use Adwords to
promote your products you are sponsoring and broughting to life a new star
rising website that can be a must value to the web.

That's why Google Adsense/Adwords programs are so great, because everybody wins,
advertisers pay per click and make sales using Adwords, clicks and impressions
are made by the Adsense publishers that receive compensation, it's a
rollercoster that never stops so therefore it is unbeatable.

It's called "revenue sharing" and it's the most powerfull internet marketing
tool you will ever find!

Thousands of people every day discover Adsense and start making money at home
with their websites, they share the secret with others and when others make
money everyone makes money, that's why I had the trouble to write and
distribute this little article, to spread the good news and off course make my
own fortune.

If you have a website and are looking for a serious income this is the perfect
opportunity for you to grab, Adsense is the best money making program
circulating on the web, one of the most well paid if not the number 1 and best
of all it is real!

Join Google Adsense free and retire from your job in months, use Google Adwords
to rise up your business and become a millionaire in the next year.

Let me show you the headline 1.000.000 in 6 months:

Besides the Adsense earnings and the Adwords traffic that you can generate you
can also make big money referring others to the Adwords and Adsense programs,
when they use the programs you get paid, well paid.

This is how the programs work, by own Google words:

"When an advertiser who signed up for Google AdWords through your referral
spends $5.00 (in addition to the $5.00 sign-up fee) within 90 days of sign-up,
you will be credited with $5.00. When that same advertiser spends $100.00
within 90 days of sign-up, you will be credited with an additional $40.00. If,
in any 180-day period, you refer 20 advertisers who each spend more than
$100.00 within 90 days of their respective sign-ups, you will be awarded a
$600.00 bonus."

"When a publisher who signed up for Google AdSense through your referral earns
$5.00 within 180 days of sign-up, you will be credited with $5.00. When that
same publisher earns $100.00 within 180 days of sign-up and is eligible for
payout, you will be credited with an additional $250.00. If, in any 180 day
period, you refer 25 publishers who each earn more than $100.00 and are all
eligible for payout, you will be awarded a $2,000.00 bonus."

Do I need to say anything else to convince you to sign up? I Don't think so.

Just do the math and you will find out the potential of your earnings, if you
already know the programs you know what im talking about and have a better
perspective, if you don't I tell you this, you can look but I guarantee that
does not exist nothing else like it.

And don't worry, take it easy, take your time, it doesn't matter if you don't
understand any of this, the only matter is that you have a website and want to
make money with it, in the process you will discover how everything works and
how tho succeed in your goals.

That's for this and many other reasons that Google is and will be the internet's
number 1 for many years to come!

Follow the path, become rich and make your dreams come true forever!!

5 Tips To Maximize Your Child’s Wardrobe During Seasonal Change

While the northern hemisphere prepares to put away their winter wear in preparation for the warmer summer months, we here in the southern hemisphere are doing the exact opposite.

Living here in southern Queensland, Australia, we experience relatively stable seasons. Therefore it’s not uncommon that particular clothes worn for one season are not needed again until the following year.

As adults, the uncomplicated approach to a new season can simply involve resurrecting the previous year’s items, and rearranging these items to the front of your wardrobe. Any changes to particular items are generally dictated more by fashion or personal preference than by ‘fit’ (unless of course we have gained or lost a few kilos!).

Now when it comes to growing children, the change of season often dictates a totally different approach. Depending on the individual child and their age, they’ll grow at different rates from one year to the next. The impact of this growth on an existing wardrobe, can range anything from the requirement for a ‘part’ modification (where most items still ‘fit’), up to, and including the situation where a ‘complete overhaul’ is in order (where virtually everything has been outgrown).

Particularly where the latter situation is the case, one of the first reactions to this sudden realization can be panic and stress (especially if you’re the parent who’s responsible for finding, and financing these ‘modifications’).

So ‘BEFORE’ pulling out your credit card, and rushing out on a panic shopping spree with your child / children, here are 5 practical tips to consider to save both your purse and your sanity:

1. INVEST THE TIME to go through each child’s existing wardrobe. If the idea of this task is stressful for either party, consider breaking it down into smaller manageable parts. (I.e. concentrate on one child’s wardrobe at a time, and/or break the exercise up over several sessions or days. E.g. Spend 15-30 minutes per session going through a particular section. Perhaps jumpers 1 session, and long pants the next etc.)

2. AVOID GUESSING whether an item fits or not. This includes ‘calculated guesswork’ which is the exercise of ‘holding an item’ up against the body. If it’s been several months since a child has worn an article of clothing, take the time to physically get them to TRY EACH ITEM ON. You’ll be amazed at how much more accurate your assessment will be by basing your judgments on practical testing and not calculated guesswork.

3. If you have children of the same sex, consider WORKING THROUGH THEIR WARDROBES FROM OLDEST TO YOUNGEST. Working in this manner means that ‘pre-loved’ or outgrown items from an older sibling can be passed down to the younger siblings and included in the items they will try on, along with their existing wardrobe. The benefits of this exercise are two-fold: 1. Younger siblings can find themselves with an ‘instant brand new’ (to them) wardrobe. 2. Minimizing the requirements for any one child’s wardrobe can result in a significant saving in time and money.

4. KEEP ONLY THOSE ITEMS you (and particularly your child), feel confident your child will wear. Depending on the age, personality and maturity of your child, if your child appears uncomfortable wearing a particular item, ask ‘them’ to consider if they feel they will wear it or not. If the answer is a resounding ‘no’, or their body language relays the same message, seriously consider removing that item from their wardrobe. No matter how much attachment another person may have to an article of clothing, if the person to whom it belongs is not going to wear it, the truthful fact is, it’s likely to end up taking space and energy in a cupboard. Learning to respect your child’s preferences and choices is an exercise that long term will not only save you heartache, but save your well-earned money as well.

5. SELL OR DONATE items of clothing that can’t be used by immediate family members or relatives. Occasionally there may be an article that has particular sentimental value that you may wish to retain as a ‘keepsake’. However for the most part, clothing serves its purpose when it is being worn and used. If an article is no longer being used within its current location, why not allow another individual to experience this pleasure. Not only is it a wonderful feeling to be able to give something to someone else, -- it can be also be an extremely liberating feeling to not only clear your physical space, but also clear the emotional energy attached to holding onto something that is not fulfilling its purpose.

Although the above tips require an investment of your time and energy at the outset, you’ll be well rewarded for your efforts in both the short and long term. Armed with accurate information about your child’s existing wardrobe well before you part with a single cent, will help to ensure that when you ‘do’ shop, you’re investing your time and money into the most appropriate and needed items for that particular child.

And as an added bonus, remember our children are children for such a short time. So why not take advantage of this opportunity when going through their wardrobes –- celebrate the fit of your child’s clothes as a measure of their growth from the previous year!

Preparing For Pregnancy

Almost every woman is blessed with the capacity to bear a child at least once in her lifetime. It is considered to be one of the greatest gifts that a woman can give her husband. Bearing a child would make the couple more closer together, and at this certain point in their lives they can actually call themselves a family. Upon learning that the woman is pregnant, most couples enthusiastically start planning for her pregnancy and eventual childbirth.

When talking about pregnancy, it is important to know about preconception issues regarding on giving birth. A check up with the physician or midwife would be advisable for the woman in order to face facts on childbirth. Physical preparation is needed for giving birth, since this could really change the normal function of the woman's body. A caregiver would be helpful in preparing the woman's body in conceiving, and also impart information concerning potential problems in pregnancy. Anxiety is felt at this point, since the woman would really have to follow certain precautions in order to conceive a healthy baby. By seeking advice regarding on preconception, safety, lifestyle changes, prenatal vitamins, and the importance of folic acid, the woman could really prepare for giving birth.

In preparing for pregnancy, a change in the woman's lifestyle is needed. Smoking cigarettes is a definite no-no, and also the consumption of alcohol. These addictions can affect the health of both the woman and her unborn baby. A woman might need to lose or gain weight, according to her present weight relative to her height and build. Being too fat or too thin might bring complications for both the woman and the baby. A good start in preparing for childbirth would be to establish a fitness regime for the period of the pregnancy. Asking the physician about nutrition and working out would be recommended for possible questions regarding exercise and food intake.

Learning more about the woman's body while on the early stages of giving birth is essential for proper knowledge of the situation. Various parts of a woman's body have specific roles when it comes to pregnancy. Certain disorders from both prospective parents should be discussed with the physician for additional health background information. Anxiety and stress is also felt by the couple since this is a very critical stage for the woman. Preconception stress is normal in women about to give birth, considering factors such as scheduling, sexuality, and self esteem, among many others.

When preparing for pregnancy, the couple should be confident enough to know how to handle a child. Knowledge of early pregnancy symptoms are also important since these are signs that giving birth would happen in due time. When the couple feels that they are ready, then a visit to the Obstetrician/Gynecologist (OBGYN) would help in gleaning more information on pregnancy. At this point, the couple can make use of a pregnancy calendar in order to follow the due course of giving birth.
Anxiety is often felt by women when they know that they are pregnant. Feelings of worry and tension are usual signs that shows her being anxious about giving birth. But by spending time with your husband, regular visits to the OBGYN, finding time to relax and unwind, with good exercise, anxiety should not be a problem at all. All you have to worry about is what to name the baby?

3 Top Acne Skin Care Tips For A Healthier Skin

When dealing with acne skin care, most of the medical professionals commonly suggest that people affected with acne must practice certain acne skin care methods that will help improve the condition of their skin.

Acne, as you may already know, is a very severe skin disorder that affects thousands of people from all over the world. It not only affects the surface of the skin but also the inner layers of the skin. Acne usually occurs on the face, neck, chest and back, and it starts during the adolescence period.

During the past several years, a good number of acne experts and skin care professionals have conducted many studies on how to prevent the formation of acne. And fortunately, these skin care specialists have come out with certain acne skin care tips that can be of great help for fighting acne. I have selected the three simpler yet most powerful acne skin care tips that you can follow in order to have a healthier skin. These are mentioned below:


Acne Skin Care Tip # 1: You Should Always Clean Your Skin Very Gently

First of all, personal hygiene is very necessary for fighting acne. So as what most experts usually suggest, you should gently clean your skin with a mild cleanser at least twice a day. This simple acne skin care step is deemed important for fighting acne since washing your face or the other affected areas will wipe away the acne-causing bacteria found on the skin. Also note that although you are sometimes told to scrub your face, scrubbing is not a good acne skin care move since it will just trigger the development of acne, worsening the condition. In addition to this acne skin care step, it is worth noting that astringents are not always suggested unless the skin is very oily. And, they must only be applied on the oily spots.


Acne Skin Care # 2: You Should Refrain from Frequently Holding Your Skin

Another helpful acne skin care tip is to avoid frequently handling of the skin. Don’t pinch, pick or squeeze your pimple since it will only worsen the condition. Many of the people have considered this acne skin care step as one of the most important acne skin care pointers knowing that it may only cause infection and scars formation. As this acne skin care tip holds, you should avoid rubbing and touching your skin lesions if possible.


Acne Skin Care # 3: Always Choose Cosmetics Carefully

This last acne skin care tip holds that people who are being treated for acne must change some of the cosmetics they use. Note that in order to avoid the onset or the development of acne, the cosmetics you plan on using like the foundation, blush, moisturizers, and eye shadow should be oil free. Aside from that, this acne skin care tip also holds that you must avoid oily hair products for they may cause closed comedones. Therefore, those products that are labeled as noncomedogenic should be applied.

It is a fact that many of us are very conscious of our skin condition. And as such, we are always wanting to have a fresh, good-looking skin as much as possible. Unfortunately, many of us also fail to come to the conclusion that simple steps are the best ways to accomplish this goal. We often are blind enough that we don’t see what’s really right or wrong for our skin. We often fall in so much frustration and desperation that make us go buy any high-priced beauty products that in the end just turn out to be a waste of time and money, and even worsen our acne. Hopefully, the above mentioned acne skin care tips will be a good start to help you enhance your skin condition.

5 Reasons To Grow Your Own Fruit And Vegetables

Having your own vegetable patch or fruit garden was once commonplace, but fell out of favour as the food industry become more commercial and supermarkets began to take over. In recent years however, more and more people have started explore growing their own produce again. Here we give 5 reasons why you might consider starting your own kitchen garden.

- Freshness

Fruit and vegetables taste better and are healthier if eaten as soon as possible after picking. Most fruit you buy from supermarkets and the like is picked well before it is properly ripe, to extend shelf life, and this usually has an impact on flavour. Growing your own lets you taste the freshest possible produce as it's meant to taste.

- Quality

Commercially grown crops are often selected for their high yields, uniform appearance and long shelf lives rather than for quality and taste. When you grow your own, you can concentrate on the quality rather than the economics.

- Price

Much supermarket fresh produce is hugely overpriced, despite their advertising claims. Growing your own from seed is about as inexpensive as you can get, and even growing from small plants you buy is likely to provide you better food at a lower cost. With many plants, you can use the seed from one growing season to provide plants for the next - a self sustaining cycle that will cost you only time and effort to keep going.

- Provenance

More and more people have concerns about how our food is produced, with chemical pesticides and GM food a particular worry. With your own vegetable patch, you know exactly where your food is from and how it was grown.

- Variety

There are literally thousands of different varieties of fruit and vegetables, but supermarkets tend to concentrate on only the most profitable and easy to sell. This means that our choice is often limited to a few select varieties of apple, for example, rather than the hundreds of traditional kinds that exist. Growing your own lets you pick the varieties you like the most, and experiment to find new ones you'll rarely see on sale.

There is of course a downside to all this - it takes time and effort. In these increasingly busy times, we might not think we have the time to spare, but starting small with a few herb plants on your windowsill, or even the odd tomato plant, will give you a taste of growing your own and might even be enough to hook you into it for life!

$1000 Provable Income Cash Advances: Should You Take The Opportunity?

Many finance firms are wiling to offer a sum of $1000 to those in need, provided the beneficiary has a provable source of income and agrees to repay the amount as per the firm’s outlined repayment schedule. However, needless to say that you would end up repaying more than you acquire from the cash advance firm. This is because the cash advance firm is likely to charge an interest on such credit lending.

Getting hold of a $1000 cash advance won’t be a cinch by any means. You would have to carry out a preliminary research of reputable cash advance firms willing to lend $1000. Though it’s easy to find cash advance of around $250 to $500, you might have to shop around a bit in order to bag $1000. It is recommended to keep several options open during your quest for a cash advance. This way, if one cash advance firm leaves you high and dry, you could easily switch to another.

Sums of $1000 and below are considered trifling amounts by bigger loan firms’ standards. Therefore, it is highly unlikely to acquire a $1000 loan from a loan firm. However, cash advance firms are a viable option for people in urgent need of around $1000. Cash advance firms would gladly approve your application, provided you have a provable income source. But, cash advance companies normally charge a higher rate of interest relative to bigger loan firms.

All in all, cash advance is a nice and quick way to acquire that much needed cash in a jiffy. But since the rate of interest is on the higher side, it’s best to take up a loan from a loan firm, if possible. In general, you should turn to a cash advance firm only when you have no other means of acquiring cash.

Friday, January 15, 2010

"Bad Credit" Credit Cards: How You Can Avoid High Fees

Individuals with problematic credit histories often suffer unfairly from high mortgage, insurance, and car loan rates. On top of that, they have difficulty getting approved for credit cards. The whole situation can get extremely frustrating. Frequently, I get emails from consumers wondering what they can do to rebuild their credit. The first thing I tell them is to get a credit card designed for people with bad credit. The second thing I tell them is written in bold: READ THE FINE PRINT.

There are only a limited number of credit cards for individuals with bad credit. At first glance, many look the same. They all help build and rebuild your credit by reporting to the major credit bureaus on a monthly basis. They all provide you with the Visa or Mastercard you need to make many purchases. And they are all necessary evils that can save you thousands of dollars in mortgage and car loan rates in the future. However, you must read the fine print before applying for one of these credit cards, as they often charge high yearly fees, set-up fees, and even monthly fees. Here, I will examine a few examples of charges current “bad credit” credit cards bury in the fine print. Of the three major cards I will examine, only one stands out as consumer-friendly.

“Bad Credit” Credit Card #1: This credit card charges a very low interest rate for an unsecured credit card. However, your first fine print glimpse reveals that there is a one time setup fee of $29. Not too bad. So far, since the next charge is a one time fee of $95. So far, we’re up to $124 in expenses. That’s got to be it, right? No. Add in another $48 for the annual fee and $6 per month in account maintenance fees. That’s brings the cost of your new credit card to $244 the first year, and $120 each additional year. This is no small change, and a card such as this should be considered only if you cannot be accepted for a better unsecured credit card for bad credit.

“Bad Credit” Credit Card #2: This credit card charges a very high interest rate for an unsecured credit card. This can’t be good. But the setup fee is only $29. Maybe this card isn’t so bad. There is that pesky monthly maintenance fee of $6.50 per month which brings the cost of this unsecured credit card to $107. Maybe we’ve found a bargain. Not quite. The annual fee is a whopping $150. Yes, $150 every year. That not only brings the initial cost up to $257, but you will also pay $228 a year just to maintain the credit card. There has to be a better offer.

“Bad Credit” Credit Card #3: This credit card is available as both a secured and unsecured credit card, based on the issuer’s review of your credit history. The interest rate is average, even competitive. Now, the fine print reveals that there is a one time setup fee. However, based on your credit, this fee can be as low as $0 or as high as $49. So far so good, especially if your credit is not that bad. But, there must be a huge annual fee. Not exactly. The annual fee for a secured credit card is only $35, and for an unsecured credit card, this fee can be as low as $39 or up to $79. So far, the cost of this card ranges from $35 to $128. Now its time for the monthly maintance fee. This one has to be huge. Or not. Its $0. That means the most you could possible be charged to obtain this credit card is $128, about half of what competing cards are charging.

Clearly, there are substantial difference between “bad credit” credit cards. Of the three offers we have examined, only one doesn’t take you to the cleaners. In fact, “bad credit” credit card #3 provides great value. All positive changes to your credit history and credit score will translate into lower loan rates, lower credit card interest rates, lower insurance rates, and ultimately, thousands of dollars in savings. The path to rebuilding credit has its costs, but in the long term, rebuilding your credit with a “bad credit” credit card is the fastest and most cost-efficient way to correct the often unfortunate circumstances that have damaged your credit in the first place.

©2006 Credit Card Depot Inc.