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Saturday, January 31, 2009

The Value of Omega Fatty Acids

By Christian Goodman

Let me start by telling you about lysi. In Iceland where I grew up, this is what I had to drink. It is the fat from the liver of fish. Fortunately, today it is not necessary to drink this to get the benefit.

All I knew is that it was somehow beneficial to me and my health. As an adult, I developed an insatiable curiosity about natural health remedies. So, in addition to my other research, I decided to research the benefits of the fish fat.

Omega Fatty Acids are considered essential but polyunsaturated. So, the body needs them, but cannot produce them. We have to get them in the form of an ingestable.

The best place to get this is in fish such as salmon, tuna or sardines. But, because of the mercury content and other toxins, this needs to be in limited quantities. Two servings per week at most.

Flaxseed, walnuts, soybean or their oils also contain omega fatty acids. In fact, certain foods like margarine, baby formula and orange juice are now manufactured by adding the fatty acids into them.

Food is a great way to add omega fatty acids to your body. You might want to consult with your nutritionist to verify just how much is enough for you.

If your diet isn't providing you with a sufficient amount of fatty acids, supplements can be taken. You will want to research the brand of course as they are not regulated.

Why do we want to do this anyway? Studies have proven that babies require this for proper development.

Studies have shown that omega fatty acids can reduce the progression of cardiovascular problems.

Rheumatoid arthritis, depression and anxiety disorders are problems that can be assisted with omega fatty acids.

A nutritious diet is always recommended. But another all natural weight loss program is my Weight Loss Breeze Program.

EL331001 - 20611

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Friday, January 30, 2009

How To Set Up A Tickler File

By Dojo Kuhn

On Day 6 of the GTD Thirty Day Challenge, I am going to talk about how I set up my tickler file and exactly how to set up a tickler file.

From what I can tell, David Allen is a big believer in the 43 folders tickler file. If you haven't seen a tickler file before, it is 12 folders for each month and 31 folders for each day. Right now it's January so I'd have my 31 folders behind January. As each day passes, I'd move the previous date behind February. Since today is the 21st for me. Folders for days 1-20 would now be behind the February tab.

How does this work? Let's say I got a bill today that I was due on February 3. Since it's important that I remember, I would put it in the February 3rd folder. When February 3 arrives, I would look in my tickler file and it reminds me to pay the bill.

I really do not like using 43 folders for my tickler file. For starters, it's hard to remember to check it every day. People then have to remember to check it and they'll start to ask themselves "how do I remember to check my tickler file?" The next reason is it is very bulky and not very portable. Finally, when you move the daily folders behind the next month, you have to remember to move the items in that months folders to the proper day.

The tickler file is essential to your GTD set up, however, because you have to remember future items. If you have a lot of physical items then the tickler file is the way to go. In my case, I don't have tons of physical items and so here is my solution to the above problems with a tickler file.

Setting Up A Tickler File

The first thing to do is to create a plastic folder for your briefcase called "Waiting For" and put all the things you need to remember in the future in it.

After I have my "Waiting For" folder set up, next I would create a folder called "Yahoo Reminders" in my email account. You can see how I set this up if you read my article on How To Set Up Your GTD email. Then filter all of your reminders directly to this folder so they bypass your inbox.

The last component is Yahoo calendar. I put any item I need to remember and enter it as an all day event. I attach and email reminder to it that sends me a reminder 2 days ahead of the day I need to remember it. As a second reminder, a text is sent too.

In the above example, the bill I got needed to be remembered on February 3rd. I enter the all day event on the third like "Pay very important bill" and by default it sends me an email reminder two days before it occurs. The actual physical bill goes into my "Waiting For" folder in my briefcase.

On the 1st day of February, I get a Yahoo reminder that reminds me about the bill that needs to be paid on the third and it goes directly into my Yahoo reminder folder in my email account. In addition, a text goes out as well giving me a backup on my blackberry in case I can't get to my Yahoo reminder's folder in my email account. I review my blackberry text messages every day and review my reminders folder too as well if I have access to it.

This system is an extremely portable and streamlined tickler file. Everything reminds me on it's own and I don't have to move items around in my tickler file. Email reminders are awesome to remind you of things you have to do and you have no idea how much this helps your productivity until after you use them. If you use 43 folders, I'd still suggest using email reminders 100% to improve your GTD setup.

That is my version of how to set up a tickler file for maximum effectiveness. - 20611

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Thursday, January 29, 2009

Mistakes With Your Ex To Avoid At All Costs!

By Zena P Truscott

Mistakes with your ex that you can make after a break up can make it very difficult to regain lost ground and start to mend the relationship again. If you want to give yourself the best chance of making up you must use strong discipline indeed to not make the "Fatal 5" major mistakes that most people make with their ex!

The five killer mistakes you should not make with your ex are:

*Major Mistake with your Ex : - Apologising over and over again for everything that has ever happened between y has to stop. Continually apologising is a major mistake with your ex because it makes the apology look insincere. The fact is you have broken up over something and the situation is serious. Stop apologising for anything and everything. It just will not mean anything right now. If you have done something you need to apologise for, there will be a time and a place later

* Fatal Mistake With Your Ex: - Trying to Change yourself into someone else is something you must not attempt. You are the person you are, and ultimately the person your ex wanted to be with in the beginning. Trying to change is a promise you probably just can't keep! Don't do it!

*Killer Mistake With Your Ex: - Don't try and tell them you are their "one and only, true love!" You have to admit, you would not be broken up if they thought that at the moment! To take this approach is a major mistake. It is a weak move and makes you look like you will say anything to get back together. People decide who their true love is in their own way and don't appreciate in the least an ex telling them they are it!

* Killer Mistake With Your Ex:- One of the most dangerous tactics you can employ is to try and convince them it wasn't your fault! With the raw emotions that accompany a break up still being fresh, you must avoid saying you are not at fault at all cost. Don't place blame on anyone's shoulders! Common sense says you have both done or said something during the break up to get to where you are.

* Killer Mistake With Your Ex: - Stop Begging them to take you back! Begging is like emotional blackmail and will have the effect of suffocating the emotions of your ex. You will not gain any respect for being emotional and clingy so do not use this tactic !

Now that you have read the list of "Fatal" mistakes you can make after a break up, how many are you making? Behavioural statistics shown that using tactics such as the five listed here will not successfully heal a relationship. In fact, they usually drive an ex further away.

When you make mistakes with your ex like these you are actually making your break up more certain. Instead, put your energy into positive actions that can help rebuild your relationship, not demolish it totally.

Most people turn to the highly respected Magic Of Making Up System for guidance and step by step help to mend a broken relationship. Believe it or not, all the common sense advice listed here come from the program itself. The Magic Of Making Up is a proven step by step process for mending broken relationships and keeping them fixed.

The Magic of Making Up has helped over 6000 people mend their broken relationships and get back together. If you would like to learn more about the program please follow the links below to the Magic of Making Up web pages that deal with mending broken relationships. These pages also include the opportunity to listen to an inspiring video presentation from the author of The Magic of Making Up.( His name is T.W. Jackson and he has a wealth of experience in helping people just like you mend relationships after a break up.) - 20611

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Wednesday, January 28, 2009

Dont Pack It, Attack It!

By The Affordable Storage Guy

The cardinal rule of moving should be, Dont pack anything you dont absolutely need or love. This is the perfect opportunity to take stock of your possessions, and find out whether you own them or theyve been owning you. Most of us hang onto things we dont use or need for far too long out of sentiment or lack of time. Be ruthless; do it right this one time and you may never have to do it again.

Decluttering your house results in a lot more than just the satisfaction of a job well done. Youll also be rewarded with less packing, a streamlined move, and peace of mind. Youll even find that you have more time for fun activities like dinner parties and family gatherings, because you wont have to devote so much energy to making your house look presentable.

Like most people, you probably have a file cabinet, closet, or even an entire room filled with stacks of old papers. Set aside important documents (use online resources or your local library to determine what you should keep) and shred the rest. Devote one portable file box to whats left, and get in the habit of weeding it out regularly.

Consider holding a yard sale, or, if you start early enough, selling items on the Internet. You can raise some cash to help pay for your move or necessities for the new house, but only if theyre truly necessary"dont use the proceeds of your decluttering to acquire more clutter!

Helping others is a powerful motivator. As you sort through your belongings, set aside items that can be donated to charities such as homeless shelters and other worthy causes.

A great trick for getting rid of all those do-it-yourself articles and project ideas that you cant quite bear to part with is to use a scanner to save them in digital form. They wont be taking up any space, but youll still have them handy.

Life in your new, clutter-free home will be less stressful and require less maintenance. Make this your mantra to keep you going when things seem overwhelming. Youll be very glad you did. - 20611

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Tuesday, January 27, 2009

Salary Negotiation Early Can Have a Huge Financial Impact

By Trevor Davide Grant

The most significant impact a person can have on their long term career earnings is to engage in salary negotiation early in their career. This will have a direct impact on the amount of earning potential they have in their future.

This might be considered whether it is your first job out of university or if it's a mid-life job change. Further, there are financial impacts when you are in your career working for an employer that you are very happy with, of not negotiating your salary with the best timing.

During your career, you may earn pay raises and job advances within the company that you work for, but when the company offers regularly scheduled increases, as many companies do, the impact of your starting salary with that employer is significant.

This not only applies to your first salary and subsequent incremental raises but also to salary market differentials when you changes roles within a company. You may move into a job requiring significantly more responsibility or effort, but the salary you had beforehand can influence the starting salary of the new job.

Take for example a person starting a new job as a business analyst in a software company somewhere in the US. Say for example that person begins with a starting salary of $45,000. Most likely that person will have to put in 6 months to a full year before they are offered their first pay increase. Suppose it is a 10% pay raise which would be SIGNIFICANT in many companies. The employee would gain an additional $4500 per year because of that increase.

Now imagine that same employee started at $55,000 or even higher. That same pay raise of 10% would provide the same person $5500 additional salary per year. With the first salary, the employee would still be under the $50,000 level after one full year of work and after a 10% pay raise, while in the second scenario the employee would be at over $60,000 per year after a 10% raise.

Now analyze the compound repercussion of these two starting salaries on the individuals earning potential. First let's examine a 4 year timeline, all other things being equal (that is, suggesting no pay increases and no job advances). The person earning $45K will have earned $180K in total salary in 4 years. The person earning $55K will have earned $220K in 4 years. That is a $40K difference just based on where the employee started in terms of negotiated compensation.

Introduce the 10% raise after year one and consider the impact as the person continues through their career. The person with a better salary in the beginning will always be ahead of the person with the lower starting salary, ceteris parabis (i.e. same job, same performance). The person with the higher salary negotiation will be inching ahead faster than the person starting with the lower salary. This impact accelerates with each passing year assuming the same % annual pay raise for each.

When requesting a pay raise, if a person earning $50,000 earns a 5% raise without negotiating anything more, that's not bad. But consider the impact if the person negotiates a 15% raise because they have outperformed in the job and they have all the supporting research and a track record to warrant it. That employee will have negotiated salary - $7,500 in a raise versus just accepting $2500. Multiply that by 10 years, and there is a $50,000 impact on the person's earning potential.

Many experts suggest that it is better to try negotiating a raise or an improvement to the compensation package than to simply receive the package that is offered. The first offer is often the lowest offer and can be improved with salary negotiation. This negotiation must be done with care and must be well based with a supporting case for the difference.

One must also analyze factors such as market, corporate guidelines, and personal performance. However when done well, it can really pay off. Remember to consider the value of all factors of compensation when asking for a raise. Some people truly value free time, their quality of life, while others are willing to take a chance and maybe accept stock options in lieu of pay.

However, when it comes to salary negotiation, don't be afraid to consider asking for more salary. - 20611

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Monday, January 26, 2009

Belly Fat, Why Does it Happen?

By Ricardo d Argence

There are many, many people that struggle with their weight everyday. A lot of people are experiencing the same thing. A flat belly signals that your body is healthy.

When looking to shed belly fat there are no miracles but there are some blasting tips for loosing those stubborn inches. Before beginning, it is vital that you are aware of the causes so that you are not left to guess and speculate about why you have suffered with belly fat.

Due to the fact that alcoholics have big bellies, most of us would think that alcohol is the main cause of having belly fats. For one reason, it is, since it lowers down the body's metabolism. A beer belly is not actually caused totally by alcohol, it also includes the amount of fattening food you eat every day. Belly fat accumulates when extra calories are stored rather than used.

Stress and lack of exercise are another important factors. Stress levels can cause an increase in bodz fat, though you might not notice it directly. The liver secretes additional unnecessary sugar when the body produces cortisol. Stress also tends to make us eat more. Also, your body's metabolism will be lower than someone who exercises a lot. We easily plunge into these perils so this is where most of us fall.

Thyroid problems and inherited traits seem to be two of the factors governing the potential for belly fats. They could turn out to be your greatest enemy if you fall under this category. Since it is like acruise control our thyroids have a big impact that keeps our body's metabolism running at the night speed. The same happens with hereditary factor.

It doesn't matter what causes it. You still have a hope. So, here you have some tips to get rid of that belly fat.

You should investigate why you eat and how you eat. Cutting down on your intake of processed food, fast food and junk food will cut your calorie intake dramatically. Minimize the use of fatty ingredients such as oil, butter, margarine, and cream. Instead of doing this you should eat fresh fruit, home cooked meals containing fiber, lean fat, protein and a wide range of grain products.

For regular exercise to be effective it does not need to be difficult but steady and routine. It is important to start an exercise program gradually rather than overwork yourself from the get go. You can play tennis or swim to substitute.

Most importantly, lifestyle changes can help you out a lot. Cut down on alcoholic beverages most especially beers. It is also important to take some time to wind up and enjoy a stress-free life.

But we shouldn't be drastic about getting results overnight eventhough we may be living in a fast paced world. These things do take time. But it is well worth the effort. - 20611

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Sunday, January 25, 2009

Are You Ready to Date?

By Charlie Reese

Finding Partners through the Best Online Dating Services

Finding dates quickly and without hassle has been made possible by several of the best online dating services on the web today. For those looking for a suitable partner to be with, these websites offer services for their users to communicate with each other, to get to know one another, and maybe even to set a real date through messaging on their sites. The best online dating services are truly a blessing for those looking for a date online.

What the Best Online Dating Services Have to Offer

The best online dating services offer users a chance to create their own personal web page on their site, so that they can be seen online by others that are also looking for partners. Here you can post what you have to say about yourself, including your interests, you aspirations and what you're looking for in a partner. Anything you want to let others know about you is posted on your personal web page on these sites.

It is not only your web page that gets posted on these websites, but you can also browse through other users' pages to see photos of themselves, about them, who the ideal person for them is. This way you can view on your screen people that catch your eye, and know a little about them before you send that greeting to them.

The best online dating services often integrate communications into their web pages so that users won't have to look elsewhere to send messages to others that they are interested in them. This makes communications with possible dates easier than ever, and you may send whatever you want to say, whether its a simple greeting, a compliment, or maybe even an invitation to meet up for dinner. It all begins with communication.

Who You Meet Through the Best Online Dating Services

Whether you have a generally broad view on which people you would like to meet online, or are looking for a particular something in your date, the best online dating services will most likely find you a match. Online, you can find out those who have similar profiles as yours, and those who share similar interests. It's a sure bet that you would find somebody that you really like, and want to be with out on a date.

Looking for dates, and even partners in life, is a fun process. Going out with people to get to know them, and perhaps even to fall in love is something that everybody wants to experience. And now, through the help of the best online dating services, meeting the right person for you is now easier than ever. - 20611

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Saturday, January 24, 2009

Ideas For A Romantic Date - On A Dinner Cruise

By Amy Nutt

If youre going on a dinner cruise, youre looking for the ultimate romantic date. This means you need to come up with some ideas to make your dinner cruise something that will never be forgotten. It isnt that the cruise itself is not memorable, but the time and effort that goes into setting up this date is something that really needs to pay off.

You dont even have to live close to the ocean to enjoy a dinner cruise. As a matter of fact, you can live near a river or a harbour and have a great time on a boat offering dinner cruises. There are plenty of areas given this opportunity.

Some ideas

First of all, there may be various times in which the boat cruises are offered. If you live in Toronto, then you shouldnt have a problem finding Toronto dinner cruises that allow you to have your dinner at sunset on the water. This is something that is amazingly beautiful and incredibly romantic. In other words, it is a picture perfect moment. So make sure you are mindful of the time.

Also, make sure to buy your date a gift. A gift makes everything just a little more special. It doesnt have to be an engagement ring or anything, but something very nice that makes the night perfect. Thats not saying that it isnt already perfect.

Then again, cruises are a great place to present the love of your life with an engagement ring. A dinner cruise at sunset can make for the perfect proposal. That also makes for the romantic date of a lifetime. Actually, it is going to be the most memorable of both of your lives.

Basically, you need to be creative in how you go about your date. If there is dancing and you like dancing, arrange for a song that your date likes to be played. That way the two of you can dance to it. Your date will think you are so wonderful for having that kind of influence over the musicians when, in all reality, they are pretty easy to influence when it comes to the music they play.

As for what makes for a great occasion to go on dinner cruises, Valentines Day is a great day. Anniversaries are fantastic, birthdays, and just because. You dont have to have a reason to go on boat cruises. All you need is a desire to have fun and a desire to have a romantic time.

So whats your idea?

So what is your idea? It really does depend on what your date does and does not like, but it is also important that you surprise your date. Romantic surprises can melt any heart and your date will thank you for the change of events. Sometimes it is just not enough to go out to a restaurant and to the movies. Sometimes you just have to do something a little different. It sort of breaks the monotony.

So think really hard and be creative. What is it you know your date would love to do on a dinner cruise? Perhaps just walking around and talking is something that you both enjoy. Maybe you want to watch the sun go down together so that you can pay homage to a beautiful day. No matter what you choose, a dinner cruise is something that will provide you with a great time. And if you are in the Toronto area, youll find that the dinner cruises there are second to none. Youll find your date wanting to do these cruises more and more because of the essence that exists upon these ships. - 20611

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Friday, January 23, 2009

Use Glass & Unique Wedding Favors to Create an Elegant Wedding

By Aaron H.

One of the more modern traditions associated with weddings is the giving of wedding favors by the bride and groom as "Thank you" gifts for their guests. Wedding favors can be almost any small, inexpensive item chosen to convey the thanks of the couple in a more meaningful way than simply sending out "Thank you" cards would do. One way to add a touch of elegance to the wedding reception is to choose to give unique wedding favors or glass wedding favors.

Unique wedding favors can be almost anything. A pizza cutter with the word "LOVE" spelled out on the blade or a Vegetable peeler with a tag that says "A-peel to my heart "on a tag. The trick is to find something that one would not expect to see as a wedding favor, but would not be seen as out of place as a wedding favor. The number of possible choices of items is infinite. These are only examples the possible choices. This is an easy way to say thank you in the couples own special way.

Glass items of any type would make wonderful wedding favors. Glass wedding favors are often made of crystal, and add a touch of elegance that no other substance could match. Items from every division of wedding favors from seasonal to candles to unique wedding favors can be made of glass. Glass wedding favors are readily available that will blend in with any decoration theme chosen for the wedding and will make wonderful keepsakes that will act as reminders of this day and the joy shared at this wedding for years to come.

Happy memories that will come to mind whenever the favors are used or looked upon can be created with unique wedding favors or glass wedding favors. The choices available for couples to choose from are no longer limited by what local stores or bridal boutiques carry in stock. The internet has opened up stores all over the world to shopping couples looking for items that will add a touch of elegance to their wedding party before being taken home by those who receive them.

Unique and Glass wedding favors are inexpensive and readily available in the global market of today. The giving of wedding favors is a relatively new tradition that has become a fun and valuable part of the whole wedding experience at most weddings today. Shopping online can be fun for a couple choosing the right wedding favors and give them a break from the more important and tedious task of planning a wedding. They also make the whole event more memorable for the guest than a "Thank you" card alone. - 20611

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Thursday, January 22, 2009

How do Florists create Flower Arrangements?

By Amy Nutt

Many people who are unfamiliar with the art of floristry simply believe that a florist does nothing more than jam a bunch of flowers into a pretty vase and then mark up the price to make a living " this could not be further from the truth. Florists must have excellent coordination, a keen eye for design and a good working knowledge of the plants that they use in order to be even the least bit successful.

A steady Hand and a keen Eye

A good florist knows how to select the healthiest and heartiest forms of the plant they will use in a particular arrangement. They know how to cut and handle each individual flower (or any other piece of foliage that they are using) so that none of the pieces of the arrangement get damaged during the creative process. A broken and bruised flower has no place in a beautiful arrangement, so the utmost care is taken throughout the entire process to ensure that all the flowers remain healthy.

Knowledge of Color and Design

When creating a custom arrangement, a florist must know what colors will work together in the arrangement as well as what will work in particular surroundings. They must also be aware of textures and smell that will work together in a pleasing manner to make the most overall aesthetically appealing arrangement.

Some florists are capable of this entire part of the process by natural instinct, they can just tell what types of plants and flowers will work together and which will not. Other florists will study art and design in an effort to give them a creative edge in this area to produce the best flower arrangements possible.

Theme Arrangements

Creating beautiful flowers isnt just a seasonal thing; all types of occasions and holiday require the florist to put forth their effort in developing new and exciting arrangements. Weddings , birthday flowers, anniversaries, births, deaths and holidays are all occasions that flower arrangements can be provided for.

During some of these more special or thoughtful occasions, florists may go to an extra level to create a particularly beautiful piece. Some florists will create arrangements using a customers favorite flower as the centerpiece upon request " in these arrangements a florist may have to use materials that they are not entirely familiar working with so the creative part of their personality must really come into play.

For other occasions the florist may create an arrangement that looks floral, but doesnt include any flowers. Arrangements may be made from food products or other unusual items to create a truly original and custom arrangement.

For other occasions a florist may be called upon to create floral wreaths, corsages or boutonnires, which can be even more difficult because these arrangements dont have anything in which to house or contain them.

Floristry is certainly not something that just anyone can do, the how of making a flower arrangement is a difficult task that requires many elements and areas of knowledge to complete as beautifully and perfectly as possible for a special occasion. Flower arrangements are the centerpieces of such forever memorable occasions as weddings and proms and gifts that the memory of will be cherished for years to come.

Flower arrangements can alter the whole mood of an event; a truly beautiful arrangement can be the icing on the cake, so to speak. Its true that anyone can easily pick some flowers and plop them in a vase, but only a well trained and ultra creative florist can create an arrangement that will not only steal the show, but last through it as well. - 20611

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Wednesday, January 21, 2009

Drugs - Talk To Your Kids About It?

By Colon Bolden

Before you start this important conversation talking to your kids about drugs, you must keep in mind, this conversation isn't about you in the first place. This is about your kid and to warn them on the dangers of using drugs. If you remember this from the start, you wont be afraid to say or feel whats on your mind.

You also can't be afraid to speak out just in case your kid come out and ask you did you do drugs when you were young because it might happen. In my opinion, you should tell the truth right from the start. This way you wont risk losing credibility if your kid somehow find out that you did do drugs in the past. You either give a honest answer or no answer at all.

The point you're trying to make should be what really matters. Don't beat around the bush - let them understand you don't want them to do drugs and definately give your reasons why. I feel that if you dont give them a reason they just might do it anyway. If you have a lot of reasons that can last all day that's even better.

Let your kid know what you have learned being around the culture where drugs are a fact of life. You can talk about examples on TV, or if you have an experience of your own. If you seen too many examples of how drugs can change a person life for the worse. Just let your kid know what you have learned.

Make sure you ask them if they feel pressured into using drugs because some of their friends are experimenting with to try to make you fit in. If thats the case, let them know that's never a very good reason to do drugs.

When you do talk to your kid, you will anticipate that your child first reaction about drugs will be very quiet. You want a two way conversation about the subject. Ask them what do they think? Ask them if it's a subject their friends talk about? Ask them what they think of celebrities who use drugs. Keep asking questions and listen to the answers.

Before you even start this conversation, you better be calm and try not to raise your voice. If you do lose your temper, try to catch yourself. If the situation is not going well, suggest talking about it another time. It's okay to admit to them that talking about this conversation is not easy for you.

In conclusion, it's very difficult to even know how to talk to your kids about drugs. The most important aspect of the whole situation you have to remember, this is about your child's future and hopefully when you talk to them it should be much easier for yourself. Good Luck! - 20611

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Tuesday, January 20, 2009

60-Second Guide to Getting out of Debt

By JR Rooney

Imagine for a second being free of debt -- no more sleepless nights over mounting credit card balances, no more ball-and-chain of debt feeding your anxieties, and no chance of threats from dreaded collection agencies. You can do it! Here's the scoop -- in one minute flat.

0:60 Resolve to spend less than you make! Make it a habit as fundamental as changing your underwear. Realize once and for all that if you can't pay for it today -- you can't afford it.

0:55 Distinguish between Bad Debt and OK Debt. OK Debt has an interest rate well under 10% -- preferably with some tax advantages also. In the best case, what you bought with borrowed funds will appreciate in value. Home mortgages and student loans are examples of OK Debt. Car loans are on the border: Hopefully they satisfy the low-rate piece, but automobiles almost never appreciate in value. Bad Debt is everything else -- from your Platinum credit card to the 600% loan from Fast Freddy's Pay Day Loan.

0:50 Pick a winner. Out of all your cards, pick the one or two major credit cards that feature the lowest annual interest rate. Resolve to use those cards for emergencies only. As for all the other plastic pals in your wallet, remove temptation by taking them out of your wallet. Throw them behind a major appliance, freeze them in a bowl of water, or decoupage them to a shoe box. Do whatever it takes not to use them.

0:41 Gather all the bills from your accounts. Line these up on the kitchen table. Find the minimum monthly payment for each account and then add these up to get an overall monthly minimum. Make a decision to pay this overall minimum PLUS a hefty additional chunk every month -- enough to make a solid dent in the outstanding balance of at least one account. If you can't pull this off, you'll have to make a drastic move to increase your income or lower your expenses. It's harsh, we know, but it's also an inescapable fact.

0:34 Pick the card with the highest interest rate and: Attack! Next, order the latest bills according to annual interest rate charged. Apply the "hefty additional chunk" (beyond the minimum) to the highest rate account(s). Repeat this process monthly until the last stinking card is paid in full.

0:26 Ask for a lower interest rate. Grab a bill from any account charging you more than 14% interest. Call the toll-free number on the bill and demand to have your rate reduced -- say, to 11%. Tell them that you'd really like to stay with them out of customer loyalty (embellish according to your acting skills), but that you have received offers for much-lower-rate cards. Expect to be made very uncomfortable, but stand firm and remember that, to them, you are both a customer and a cash cow. You also stand to save a bundle. Practice makes perfect.

0:18 Be prudent. Be aggressive in paying down Bad Debt, but don't get so ambitious that you risk missing minimum payments on your mortgage, automobile, or any other secured credit account. (Secured means that if you miss enough payments, the bank can show up and take away your stuff.)

0:12 Commiserate with others. You'll find plenty of emotional support and great ideas by visiting debt relief discussion boards. Help others celebrate their debt-free "happy dance."

0:05 Dance, Fool! You're done when the Bad Debt is 100% exorcised and you can make remaining OK Debt payments with ease, leaving plenty of budget room for savings. - 20611

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Monday, January 19, 2009

4 Reasons Why You Should Buy The Apple iPhone 3G

By Dave Sanders

It only makes common sense to ask questions about any electronic gadget you are investing in. This should be no different with the Apple iPhone 3G. It seems that no sooner does one iphone hit the market then another is on its way for release. Better than its predecessor. So now the AppleiPhone 3G, is the big buzz word, here are some questions you may want to ask before purchasing.

Can it only be purchased via a AT&T Plan.

The answer to this is yes. There are lots of different plans available at AT&T so you would need to determine what plan would best suit you. This will partially depend on whether you are a current customer or going to become a new one.

What are the best plans that AT&T have for the Apple iPhone 3G

There are 4 plans that are available to the new purchasers. The plans vary in price in accordance to what they offer. Currently the highest price is $129.99 down to the lowest which is $69.99. There are various add ons that you can get to go with these plans.

Will I be in range for the 3G service?

This is something you must be absolutely sure to ask when you are setting up your plan for AT&T. Of course this will be dependant on where you live. Apparently there are too many areas in the USA that are within range, but they will tell you if you are not. The same thing applies, if you happen to be buying it for one of the kids to take to college. Make sure its going to be in range of service.

Will I be able to use my iphone outside of the country.

No doubt if you are a business person or a traveler this is an important question for you to ask. In these circumstances you need to be able to depend on reliable communication.

Will I be able to maximize my battery on the Apple iPhone 3G

Its questions like this that you can go directly to Apple to get the answers to. The technical questions really should be directed there.

Owing a gadget such as this is pricey, and you really want to be sure it is going to suit all of your needs. Often when talking online or on the phone we forget all the questions we really wanted to ask. A good way to prevent this is to know what you are looking for. Make a list of all of the features that would be important to you. Now when you go to make your purchase you will know exactly what to ask.

In addition knowing your requirements helps the sales rep to offer you the best package for your particular needs. This may prevent you from purchasing one of the more expensive packages because you don't need all of the benefits that package has to offer. There is no need to pay for items that you will never have the need for. You are most likely going to be highly impressed with the Apple iPhone 3G. - 20611

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Sunday, January 18, 2009

8 Best Jobs with an Online Information Technology Degree

By Mary Jackson

With an online IT degree, you can apply for great jobs in the IT or computer arena like testing the newest software and learning the latest programs. After graduation, here is a partial list of some of the most sought after occupations: Interface designer ,Systems analyst, Computer programmer,Network Administrator, Database administrator,Software Support , Software engineer, omputer engineer.

Each of these careers is rewarding and necessary as more and more companies are in need of those who can use this technology to further their businesses. According to the Bureau of Labor Statistics, U.S. Department of Labor, Occupational Outlook Handbook, 2008-09 Edition, over half of all computer programmers have at least a bachelor's degree in Computer Science or related field. This means that earning a computer science degree online will increase your chances of finding your dream job.

What education will you receive with an online IT degree?

Equal to a traditional degree program, an online degree will help you achieve any of the premium occupation mentioned above, plus other positions like computer security. However, unlike the students in the regular classroom, you pick the time most convenient to learn and study. Forget rushing from work to attend night classes, fighting for a parking space, or uprooting the entire family schedule. With online IT studies, you can take classes in the fields of: Hardware and software design, Software development, Troubleshooting, Networking, Data Security, Database management,Web design, Develop security plans.

In truth, many companies have a department exclusive to IT professionals who understand how to maintain and secure networks. The ability to stay in communication with customers, vendors, employees and others is the difference between failure and a successful and growing business. Computer systems and companies dealing in the manufacturing industries are always on the lookout for new talent to create hardware and software for customers. In fact, the employment opportunities open to individuals with technological expertise means you can explore many different fields and pick the one you enjoy the most.

Choosing an Online Computer Degree Program

When looking for an online degree program, it's important to determine which direction you want to move toward in terms of your career. While some areas of computer science, such as computer programming, have seen a slow decline in the number of open positions since 2006, other areas such as computer support and information security have seen an increase.

Once again referring to the most recent edition of the Occupational Outlook Handbook, the coming years should continue to see a rise in the need for support personnel by approximately 13%. When deciding on the best career options, make certain the online college of choice is accredited, determine your technological strengths and interests, decide whether to get a degree encompassing many areas of technology or hone in on one area of expertise. Finally, make sure to select a program most likely to ensure employment right out of college.

An online IT degree can help establish a career in one of the most vital areas in the job market today. Generally, good students will have many employment options and offers following graduation. Even if you choose an occupation less popular than some, the chances o landing that dream job will increase greatly, if you have a degree in Computer Science. - 20611

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Saturday, January 17, 2009

Flower Delivery To Austin

By Justine Scotty

When seeking flower delivery to Austin, Texas to surprise a special person with the most beautiful floral arrangement, getting down to the task of choosing the flowers and the container can be a memorable experience in itself. From teapots to ceramic containers, from specialty items to regular ones, there is something for everyone.

A favorite of many florists is the teapot container. You have something to use for your flowers and you'll have an additional kitchen must-have for your tea party. Most of the teapot containers florists used can be actual teapots. Sounds like a fun session of hitting two birds with one stone.

Flower delivery to Austin, Texas will also be made more beautiful with the use of a vase container. Although most commonly associated with a less formal flower arrangement, there are nevertheless expensive looking vases, from glass to crystal. What's even better is that vases can also be used over again.

When considering a flower delivery to Austin, Texas, an additional option is ceramic containers that are the most flexible in terms of color and design. It's not surprising therefore that this is also a popular choice for flower arrangement. Ceramic flower holders can either be painted or in a solid color. When painted, ceramics can suit anyone's creativity as they can easily match any kind of design. This sure is fun especially if you wish to reflect your recipient's bubbly, adventurous or romantic personality on the ceramic container of your choice.

There are so many different containers from which to choose when you are seeking flower delivery to Austin, Texas. You can choose from these described above or from others that are featured online. Some containers will be specialty items such as those for new babies. Others are just ordinary containers that can be stored for use later on by the recipient.

Shopping for flowers online is just as easy with the varieties online. Matching the flowers to their containers may seem a strenuous task, but believe me, with all that is offered in the market, choosing the best flowers, a tasteful flower container and the most impressive arrangement for your loved ones will never have to be stressful when you choose an Austin, Texas flower delivery. - 20611

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Friday, January 16, 2009

Important Facts You Should Know About Muscle Building

By Ricardo d Argence

It should be an important part of any person's healthy exercise routine, but a lot of people think that weight training is just for bodybuilders. No matter what is your reason for working out, maybe to improve your health or the definition of your muscles, the tips here will help you in reaching your goal.

You could lift weights forever and not build any new muscle if your body doesn't have enough protein, it is essential to build muscle. However, the question has always been how much is enough? Unfortunately, foods that are high in protein like dairy and red meat are also high in fat which can pack on unwanted pounds.

The basic rule for serious bodybuilders is to consume at least a single gram of protein for each pound of body weight. That means if you weight 170 pounds you should be eating 170 grams of protein every day in order to build muscle mass. If you're worried about that fat content, choose skim milk and low-fat protein sources such as fish and chicken over red meat.

Some exercise and weight lifting buffs almost become addicted to working out. You can see them in the gym almost daily doing their routines. While that dedication may seem impressive, they could be doing their bodies more harm than good. The reason is that medical research is showing that building muscle isn't all about the exercise.

You need to let your muscles rest for a time after exerting them like that. In order to recover between sessions, a person should eat well-balanced meals, drink plenty of fluids after working out, and take a day off before another sesssion.

Adequate sleep is essential to your weight lifting routine if you want to increase your muscle mass. During the night, many of your bodily processes take place. Your body can redirect energy resources to these other tasks because it's not being used for anything else, that's the reason.

One of those processes is protein synthesis which is necessary for muscle development. If you're only sleeping a few hours every night, you're not giving your body enough time to do the work it needs to complete. Make sure to sleep for at least eight hours every night.

Lifting weights and other compound movements help build muscle more effectively than other types of exercises that focus on only one part of the body. Nevertheless, you require knowing how to carry correctly to get the accelerated muscle building paybacks.

Basically, what you need to do is choose weights to lift that feel heavy for you. That doesn't necessarily mean you want to get the heaviest on the rack. It just means that you need to feel the muscles working when you lift that weight if you're going to really benefit from your efforts. If you're new to bodybuilding, lifting heavy might mean using a 20 pound weight. - 20611

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