Were the ten commandments abolished

In Colossians 2:16 it reads “Let no man therefore judge you in meat (offering), or in drink (offering), or in respect of an holyday, or of the new moon, or of the Sabbath days:”. Many people who have read this verse out of context have concluded that this means that the fourth Commandment, which says “Remember the Sabbath day to keep it Holy….”. was abolished at the cross.

Is this really what the Bible is teaching? What do the preceding verses say? Can they shed any light on the validity of this conclusion?

Colossians 2:14 states, “blotting out the handwriting (the only laws written by hand were the ceremonial laws, written by Moses -) of ordinances that was against us, which was contrary to us, and has taken it out of the way, nailing it to the cross.”

The ceremonial and sacrificial law was a rigorous system of rites and ceremonies and feasts that were put in place as a shadow of things to come. They pointed to the coming of the Messiah. Whenever an animal was sacrificed and it’s blood was shed, it served as a reminder to the onlookers that someday a Saviour would come and die for their sins. The ceremonial law was symbolically placed in the side of the Ark of the Covenant, to show that it was temporary, and ‘against’ the people. The Ten Commandment law on the other hand, was written in stone by the finger of God, and placed inside the Ark of the Covenant, symbolising its eternal nature.

Luke further clarifies that there is a distinction between the Ten Commandment and Ceremonial laws. Luke 1:6 “And they were both righteous before God, walking in all the commandments and ordinances of the Lord blameless.”

James described the Ten Commandment law as a “law of liberty”.

Jesus showed that they were a law of love. John 15:10 “If ye keep my commandments, ye shall abide in my love; even as I have kept my Father's commandments, and abide in his love”.

As well as being about love, the first four showing us how to love God, and the last six how to love our fellow man, the Ten Commandments also depict aspects of the character of God. In many places the same words are used to describe the nature of God and the nature of the law. For example:

Romans 16:26: God is Eternal - Psalm 111:7-8: The law is Eternal

John 4:24: God is Spiritual - Romans 7:14: The law is Spiritual

Psalm 145:17: God is Righteous - Psalm 119:172: The law is Righteous

Matthew 5:48: God is Perfect - Psalm 19:7: The law is Perfect

Luke 18:19: God is Good - Romans 7:12: The law is Good

Deuteronomy 32:4: God is Just - Romans 7:12: The law is Just

1 John 3:3: God is Pure - Psalms 19:8: The law is Pure

I John 4:8: God is Love - Romans 13:10: The law is Love

I John 1:5: God is Light - Proverbs 6:23: The law is Light

Psalms 48:1: God is Great - Hosea 8:12: The law is Great

Deuteronomy 32:4: God is Truth - Psalm 119:142: The law is Truth

Isaiah 5:16: God is Holy - Romans 7:12: The law is Holy

It seems obvious from the very nature of both the Ten Commandment law and the ordinances, that it was only the Ordinances that were made obsolete at the cross, through the death and resurrection of our Lord.

The Ten Commandments remain as an eternal law of love. Jesus Himself said about the commandment law. Mat 5:18 “For verily I say unto you, Till heaven and earth pass, one jot or one tittle shall in no wise pass from the law, till all be fulfilled”.

All Bible references are from the King James Version.

Baby sleep tips - developing sleep associations

Everyone who has had the experience of being a parent knows all too well the difficulties of getting your baby to sleep soundly throughout the night. The dark circles around the eyes of new parents are usually familiar to all those that have been around them. In terms of baby sleep tips, one of the most important things you must try and establish as a parent is getting your baby to learn to fall asleep on his own. The process by which your child begins to fall asleep on his own is one that involves a natural transition from falling asleep with the mother to falling asleep in an independent fashion. One of the best ways in which you can speed up this transition is to encourage your child to develop sleep associations that he or she can recreate independently.

Naturally, everyone - and babies in particular - will develop sleep associations. These are the things that you associate with bedtime, and allow you to create an environment in which it is easy to fall asleep. When your baby is at an extremely young age, he will naturally develop sleep associations involving the mother, as he will often fall asleep in her arms. As you attempt to get your baby to sleep in his own, however, it is crucial that you work to change these associations.

If you always put your child to sleep by holding him, or allowing him to use a pacifier, you create a sleep association with these things. Then, when your child wakes up in the middle of then night, he can't go back to sleep on his own because he is unable to recreate his sleeping environment without you: he needs you to feed him or rock him in order to sleep.

As you begin to try and get your child to sleep on his own, you should introduce items into his sleeping routine that he can sleep with, such as a particular blanket or a stuffed animal. What this will do is create associations for your child with these items for sleep. Then, when he awakes in the middle of the night, he will be able to recreate a sleeping environment without your assistance by grabbing his stuffed animal, etc. It can also be beneficial to introduce "transitional items" into your baby's bedtime routine: Allow him to have his stuffed animal or blanket with him during a final feeding and before-bedtime activities, and allow him to take these things with him to bed.

No matter what you do, your child is going to be creating his or her own sleep associations. Your job is to try and create associations with items that are under his or her control. By giving your child as much control over his sleeping environment as possible, you allow him to begin to achieve sleep independently. The most difficult transition in early parenting is the one towards independent sleep for your child, and if you introduce new items into your child's sleeping place, you will hasten this transition, which will soon allow both you and your child to get a good night's rest.

The basics of binoculars

Also called field glasses, binoculars are like a couple of telescopes put together and pointed at a similar area. Unlike a monocular, it is easier to perceive depth thanks to the two lenses of binoculars.

Binoculars are not exactly a new invention since man has been using it for the past couple of centuries. When the telescope was invented, people began to look through telescopes mounted side by side.

In the 18th century a prism kind of binoculars came out, enabling greater perception as the eyepieces were spaced wider.

Porro prisms are the most inexpensive types, allowing bright images. These are also precise instruments, since the binoculars are wider, although they also need to be re-aligned.

The roof prism binocular, on the other hand, is an expensive type. It is smaller and narrower, although it losses some of the brightness. However there is no need to realign the binoculars. Optical coating is used for this type of binoculars.

This is a great feature among binoculars, as optical coating helps in creating a brighter image through the reduction in the amount of light reflected. Images are often seen hazy when there is reflected light inside binoculars.

There are also other types of binoculars like general binoculars, which are focused through movement of a round wheel, which in turn focuses both telescopes. More advanced types make use of independent focus; meaning one has to adjust both sides separately.

There are binoculars, which make use of image stabilization technology preventing sudden movement. The binoculars can be turned off or on by the user. High-powered binoculars are also handheld, although the image quality leaves a lot to be desired. The prices are also steep.

In most tourist destinations, binoculars appear in coin-operated machines allowing tourists a more detailed sight of the tourist attractions. Most of these coin-operated binoculars are placed on a pedestal, and they are normally high powered.

Binoculars are also used by military personnel. Military binoculars are hand held, with a magnification of at least 5 to 7 times of the image. The typical military binocular is far tougher and rugged compared to other binoculars. They also boast of other features like the capability to work even when wet and capability of blocking out laser beams

Those who are interested in viewing stars and planets would need an astronomical binocular. Pluto, Uranus, and Eris can be viewed using astronomical binoculars.

Three steps to repairing your credit

Have you spent a little more (or a lot more) than you should have with credit? Most American’s have several credit cards with a few thousand dollars in debt racked up, as well as car or personal loans. When you combine these payments with your every day living expenses, it can be really hard to get yourself out of debt. Here are 3 steps you can take right now, to get on the road to repairing your credit.

1. Thanks to changes in federal laws, every citizen in the United States is now eligible for a free credit report every year. It used to be you had to be denied credit with a company before you could obtain a free report, now you can request one each year to keep on top of what’s being put in your credit report. This allows you to find errors and fix them before they cost you your good credit reputation. Order a copy of your credit report to determine how severe your financial situation is. You may think that you have bad credit, but your credit report may show otherwise, and vice versa. If your report shows a lower score than you would like, you can then start taking steps to improving the situation.

2. Investigate the credit report thoroughly and look for errors. You would be amazed at how many people have found accounts on their reports that they have never had in their name. The usual errors are credit card accounts that are showing open when you’ve paid them off and closed the account, and this appears to be money available to you that hurts your overall credit score. You can fix these errors by writing to each of the companies that have reported information in error, and asking them to correct it immediately. Save a copy of all correspondence and seek the advice of the credit reporting agencies if necessary. Once you get the errors corrected, you may be happy with your new credit score!

3. Fix your long term credit situation. Once the errors have been corrected from your credit report, chances are you still have quite a bit of debt you need to get rid of in order to fully improve your credit rating and get yourself out of debt. The first thing you absolutely must do on the journey to repairing your credit is “STOP USING CREDIT CARDS”. If you have them, get rid of them! You must work at paying off the existing debt, and it will only be worth your time and effort if you stop adding to that debt by continuing to spend using your credit cards.

Consider a Loan to Consolidate Credit

If you are still able to, you might consider obtaining a loan to pay off each of your individual credit cards. Doing this will help you because it changes your monthly expenses from several, individual credit card payments, each with their own interest rates and finance charges, to a single monthly loan payment, with just one interest rate. You should also accept a loan with high interest in this case, if it’s all you are able to get, if it means paying off ALL of your existing credit card debt. Why? For the simple fact that having a single monthly payment with high interest is still going to save you money over the long term than having four or five credit cards with their own interest rates and finance charges that are added, month after month. Your payment will go further on a single loan payment than when it is sent to individual credit cards, regardless of the interest rate on the loan.

Refinance your car loan - 3 tips for refinancing your auto loan online

Refinancing your car loan is an ideal way to lower your interest payments or reduce your monthly payments. By using online auto loan lenders you can be assured that you are finding the lowest rate. To be sure you are getting the best terms, follow these three tips before you refinance your vehicle.

1. Plan Your Payments

Before you refinance your auto loan, decide what your goal is. Do you want a reduced interest payment or have a smaller monthly payment? With your goal in mind, you can choose terms that will best meet your needs.

To find reduced interest payments, it is best to have improved your credit rating. One easy way to do this it to pay your credit cards down to 50% of their limit. You can also find lower interest rates by choosing a loan shorter than the typical five year period.

To reduce your monthly payments, look for a loan for a longer period. You don’t even have to find lower interest rates to lower your monthly payment. However, you will be paying more in interest payments over the course of your loan.

2. Come Prepared

To speed through the refinance process, gather all your financial information ahead of time. If you don’t know the current balance on your loan, call to get the exact amount. Also be sure that you have the correct address to mail in the check.

Having a copy of your last tax forms will also make filling out the forms for quotes or a loan application easy.

3. Compare Quotes

When you are ready to find an auto loan, compare quotes before you pick a lender. You can get quotes instantly from online lenders and brokers. Auto loan brokers partner with several lenders to offer you multiple quotes. Auto loan brokers strive to offer the lowest rates, so you may find a better deal through their sites than going to the individual lender’s site.

While rates and terms are important to compare, also take a look at fees and repayment options. You don’t want to get locked into a deal that you can’t pay early or refinance.

To view our list of recommended auto finance companies online, please visit this page: abcloanguide. com/autoloans. shtml

Characteristics of a whitewater river

The basic definition of a whitewater river is simply a river that has quite a few rapids along its length. The whitewater itself is formed in the rapids, when the river drops suddenly enough to let the water drop rapidly which then makes the water churn and froth enough to form whitewater, or basically foamy water.

Types and Features of Whitewater Rivers

Whitewater rivers are classified into six different categories worldwide. The ratings range from one, the easiest, to six, the hardest. The grades also refer to how technically difficult and dangerous the river and rapids are. The whitewater river’s rating can change over time, depending on how quickly the water is flowing through the river, and also how deep the river is at that particular time. When a whitewater river is flooding, it may become more dangerous and difficult because the water is flowing much faster and is much deeper.

Whitewater rivers can have many different features along their path. These features all have their own names. Strainers are a blockage of the river that still lets the water run around and partially through it. Strainers are very dangerous features of whitewater rivers because once something is trapped against it, the water will continue to push against it, and the object or person will be forced down under the water.

Sweepers are simply trees that have fallen into the river or are partially in the river, but are still attached into the riverbank by their roots. Sweepers don’t form whitewater but can still be dangerous because they can trap paddlers or seriously obstruct their path.

Hydraulics are a more serious threat on a whitewater river. Hydraulics form when water flows over the top of an object under the water, which can then cause the water to flow back upstream over the top of the underwater object. This essentially causes a whirlpool effect, which kayakers can easily become stuck in.

Pillows are another cause of whitewater. These are formed when a lot of water runs into a large object, which makes the water rage against that side of the object. Often the object that is the cause of the pillow can be undercut and kayakers may be forced underwater and trapped under and against the object.

Whitewater rivers can be thoroughly exciting and cause adrenaline rushes. This is simply because they can be very dangerous and the primal adrenaline rush makes it just that much more exciting. If you use common sense and take necessary precautions on a whitewater river, you will have a great time and more than likely survive the trip itself.

There is something for everyone in the caribbean

No matter what your favorite activity, the Caribbean has something for you. There are Caribbean activities for everyone, from unbelievable marine life, to never-ending mountainous terrain. You can explore dense tropical rainforests, or take in the fascinating, rich native culture. The islands vary from tranquil, serene landscapes to bustling party hubs, and there is an endless amount of history to take in.

Caribbean activities offer the chance to experience the true meaning of adventure – you can bike or hike around a wide range of island trails, explore the rainforest, or visit national parks to enjoy the wildlife. You can go snorkeling or diving to enjoy the deep blue waters and get close to more varieties of fish than you ever knew existed, or, if swimming is not your thing, you can take in the views from a boat.

And for the ones who like less adventure and more of sunbathing, what could be better than the numerous Caribbean beaches. So, sun bathe at the picturesque heart shaped Magens Bay on St. Thomas or the Orient Beach on St. Martin. For golf lovers, there are a number of world renowned golf courses. Some of these golf courses have been designed by some of the greats of golf world. And if you are thinking of less energetic pastimes you can opt for other Caribbean activities like visiting museums, sugar mills bearing marks of history, distilleries of rum and plantations.

If you are traveling alone then you can hop from activity to activity as you wish. If you are traveling with your family then it may be a good idea to speak to a travel agent and make sure your chosen resort will meet the needs of all family members. Speak to your family first and make sure that they will all enjoy the vacation – a little planning in advance should make it easy to meet everyone's needs and expectations.

Scuba diving is one of the most popular Caribbean activities, and it is something that every visitor to the Caribbean should try. There are few locations in the world as suitable for scuba diving as the Caribbean, with its clear waters, and calm weather. No matter what time of year you visit, scuba diving will be available, and there are a variety of sites, some of which are more popular with tourists, and others offering you the chance to experience scuba diving the way the locals do it.

It is up to you how you choose to engage in scuba diving, and both ways will give you an experience you will never forget. Whatever you do, you can be sure that you will have an exhilarating experience, and most likely you will want to return to the Caribbean again and again.

Universal law of attraction

The Universal Law of Attraction states that we attract whatever we wish to give our attention to – whether it is wanted or unwanted. This is a universal law because it doesn’t matter who you are, what your religious beliefs are, where you live or even where you were born. This law is true for all people equally. It is just as true as Newton’s Law of Gravity.

Most of the time we happen to attract by “default” and we do not make a deliberate choice. We just sort of go about our daily existence and focus on problems that need solving, or we focus on things that did not seem right or feel good. By doing this, we actually end up creating more problems. For those who are trying to focus on running a home business, this is not so good.

Consider yourself to be like a huge magnet. A magnet does not “try” to attract, it simply does. This is the same for us. Whether we are trying to attract or not, we are doing it all of the time. We happen to attract the likeness of what we are thinking about. If we are thinking about the success of our home business, chances are we will see some degree of success in this area of our lives. If we happen to be thinking about a certain lack of something, then we will attract more lack or scarcity. If we think about something we love, then we will attract more of what we enjoy and love. This is what the Universal Law of Attraction is all about. It does sound incredibly simple, and it is.

As human beings, we are very powerful attractors. We are able to use this God-given power to attract the things we want in life by simply paying attention to where we put our thoughts and desires. Most of the time we believe we are thinking with our mind when most of the time it is from the heart. This is where we do our believing, thinking and our “vibrating”. Therefore, we attract from our heart. Think of your heart as a very powerful magnet. It is the “vibrator” that attracts all signals.

The Art of Deliberation consists of three main parts:

1. You are able to get a very clear picture of what it is that you want.

2. You must raise your vibration until it matches what you want.

3. You allow what you want to come to you.

We are given the chance to gain clarity to know exactly what we want by using the many “contrasts” that life has to offer to us. How can we use contrast as it relates to home business? We must observe it briefly, and then use it to help you make the decision as to what you want to do. This is an art that takes some practice as we have the habit of talking about, telling others about and focusing on that which we do not like. We must change these negative contrasts into positive vibrations in order to be successful in our home business.

The best credit cards for overseas purchases

Many credit card companies charge fees for using your credit card overseas. If you plan to travel overseas and use your credit card, then you should select a credit card that does not impose fees for overseas usage. This article will show you how to select a ‘globe trotting’ credit card that is easy to use and affordable.

Most credit card companies increase fees for foreign use around the holidays because many travelers are overseas purchasing foreign gifts. Credit card companies usually post these fees in small print. Many of these fees are in the form of interest. Most credit card companies charge a loading fee of around 2.75%. Some also charge a flat fee each time a credit card is used as well. Many consumers do not notice the loading fee until they get there statement. These fees can add up when you are purchasing expensive items overseas. Many of these charges and fees are hidden on your statement in small fine print.

Another area of high fees is overseas ATM’s. The typical American ATM charges $2.00 for a transaction. Overseas ATM’s can cost you as much as $5.00 to withdrawal money. If you do not want to order a credit card that charges minimal fees for overseas purchases then your best bet is to use the ATM. Use the ATM sparingly. Patrick Thompson, lead credit card reviewer at the number one credit card review website sparecard. com – suggests you take use the ATM to take out large amounts of money. He warns consumers against using the ATM for low cash amount transactions because the Interest fees and ATM use fee is too high.

Many credit card companies offer travelers a shorter amount of time for card transaction dispute processing. If you think you may have been overcharged by a merchant or scammed then it is best you check your online credit card statement as soon as you can because credit card companies usually only offer a 5 day grace period for disputes resulting from purchasing products at overseas merchants.

The best credit cards for overseas travels are pre-paid debit cards because you control how much money goes on the card and you won’t be charged the higher fees that you would if you used a credit card or withdraw led cash from an ATM. A good credit card on the market today for overseas use is the Choice Privileges Visa Card. You get 8,000 points awarded to you after your first purchase. You get 2 points for every $1.00 on net retail purchases. There is no annual fee and you earn 15 points for every dollar you spend at choice privileges locations throughout the US, Canada & Mexico. I will also suggest the Gold Delta SkyMiles Credit Card. Check with your credit card company to see what they charge for overseas use. You have a few options if you plan to spend money overseas. The cheapest of the options is to use an ATM and take out large amounts of cash.

Loan officer career objectives

As loan officers it is very important to set career goals and objectives for yourself.

Although a very nice living can be made as a loan officer, you still want to put some goals and objectives out there to shoot for in order to prevent burn out.

First and foremost you need to eat, so weekly goals are just as important as long term goals.

When I worked as a loan officer, I did a lot of cold calling. From Monday to Friday I cold called from 5:30pm to 8:00pm.

I called with an expectation of taking no less than three applications per night giving me fifteen applications for the week, with a goal of turning three of those fifteen applications into closed loans.

Experience in the mortgage industry is the key to your success and how far you can advance. So the more knowledge you gain and the more experience you have, the better off you will be.

There isn’t a broker of record in the mortgage industry who did not start out as a loan officer.

That is the beauty of this industry, and the sky is the limit. If you want to be the broker of record and work alone from a home based office, or open your own store and hire loan officers to work for you, it can be done.

It takes time and hard work, but it can be done.

And don’t forget about all the other avenues the mortgage industry can lead you down.

You will undoubtedly learn more than you ever imagined about tiles, deeds, appraisals, real estate, etc.

Just think of the opportunities this opens up for you and how nice it will all look on your resume.

The benefits of a golf club

If you are a busy professional man that has any opportunity at all to be a part of a golf club, then I'd suggest you join it at all costs. I never was an advocate of golf clubs until I got married and realized just how high a level of stress my poor husband dealt with every day at work. Quite frankly, I never knew why men were always talking about their love for golfing and their need to get out and hit a bucket of balls before this.

It took me a few months to realize how serious my husband was about joining a golf club. We both knew that we didn't have the finances to make it happen, but it only took me a little while of seeing how stressed and unhappy my husband was after work before I started making sacrifices in other areas so that he could join a golf club.

Oh my goodness, what a difference being a part of a golf club has made for my husband and hence to our entire family. He looks forward to his Wednesday night golf matches more than anything. His golf club membership has given him an excuse and an obligation to do things for himself simply because he enjoys them. I encourage all of my friends to let their husbands get memberships at golf clubs. I promise them that they will see a difference at home when they are allowing their husbands to spend an evening or two a week at a local golf club.

Now, obviously a man who is wanting to spend everyday golfing is a different story. That man needs to refocus his priorities badly and take a good look at his relationships. But an overstressed and underappreciated husband, father and worker would benefit greatly from a golf club membership.

Don't get worried, women, that you have to spend an outrageous amount of money for a golf club membership for your husband. You don't. There are package deals that are becoming more reasonable all the time for golf club memberships. So take your time and look around to get the best deal. Talk to other men that go to a golf club and get their opinions.

Surprise your husband with a membership to a golf club and I guarentee you will be his favorite person in the world. You will see tremendous changes at home as you allow him to get out and enjoy some time and space to himself.

Audi a4 from passat and back

Sometimes an automaker will introduce a vehicle based upon the platform of a “lesser” model. Typically, this plan is employed when costs need to be cut to realize real savings. The theory is that the shared platform can be tweaked enough to distinguish the upscale model from the ordinary one. Add in leather, a taut suspension, and upgraded powerplant options and you can probably pull it off. For Audi, the introduction of the all-new Audi A4 during the mid1990s allowed the German automaker to capitalize on the success of the Volkswagen Passat, a midsize car from its European cousin. The plan worked, but it was only a temporary move. Let’s take a look at the Audi A4 and its surge to the top of German automotive excellence.

For years, the Audi 80 defined the smaller cars in Audi’s line up. By the early 1990s, the aging model was in need of updating and the name itself would need to be changed with the two digit alphanumeric model designation recently adopted by Audi. Cost pressures, however, made the development of an all-new from-the-ground-up model impossible. Instead, Audi tapped Volkswagen and based the original Audi A4 upon the successful VW Passat.

Platform sharing has been common amongst automakers for generations. General Motors regularly spreads it platforms across brand lines while Toyota and Honda have learned that their respective Lexus and Acura luxury makes could share much with their high quality and successful standard brands.

Still, the wheels of autodom are always turning and the original Audi A4 is now in its fourth generation and is built on its own platform. Indeed, the newest Audi A4 shares nothing with its VW cousin and is poised squarely to do battle with the BMW 3 Series, Mercedes C Class, the Volvo S60, and Cadillac’s Swedish built BLS.

So, what does today’s Audi A4 owners get for the money? Quite a lot! Read on:

A choice of three models including a sedan, a wagon, and a cabriolet

Two engine choices: a 2.0L I4 and a robust 3.2L V6

Front wheel drive or Quattro all wheel drive

A plethora of transmission choices including manual, automatic, and manumatic shifters

Major safety initiatives including power assisted safety restraints, head and side air bags, antilock brakes

12 way power seat for the driver

Leather, aluminum, and clothe appointments

Premium 10 speaker sound system

16 inch, 5 spoke alloy wheels

Base prices start around $28,000 for the sedan and climb to just over $37,000 for the cabriolet; all prices are slightly lower than competing models from Mercedes and BMW.

Fortunately for Audi A4 lovers, the German automaker isn’t holding still and plans for a fifth generation Audi A4 are underway. The newest model may switch to rear wheel drive and a coupe is receiving serious scrutiny. Regardless of the final decisions, Audi A4 owners know that their favored model will keep up with the competition. This is great news for those wanting a car incorporating German engineering without the Mercedes or BMW price tag.

Spam scams how not to become a victim

All spam emails we receive every day in tens or hundreds are annoying and disgusting. But the worst of them are scams, hoaxes, and illegal schemes aimed at defrauding you of your money, private information, and even your life. Being aware of how the spam scams work you will be able to protect yourself against the spammers-fraudsters and not to become a victim of their fraudulent schemes.

A lot of spam scams arrive in the form of a great investment offer. It usually works as a Pyramid scheme. Spammers ask you to pay money for a membership, goods, or simply to "invest" promising you much money as revenue. Your revenue will come from those people who will invest after you. Your investment is distributed to those who joined before you. At some point the pyramid ruins because there are not enough new investors to keep the money flowing. The spammer is at the top of the pyramid and he is the only one who benefits. The scan may not always look like an investment offer. The spammers can ask you to distribute some advertising letters to a list of email addresses, for remuneration. Although they will tell you that the list contains only opt-in email addresses, it’s not true, and you will be sending spam directly from your computer.

Another fraudulent scheme you may meet looks like a letter coming from a company that you do business with. Usually the spammer asks you to follow a link within the message supposedly to update your account. But actually this is done to worm you out your personal and financial information. If you click on that link, you will be brought to a page that will look like a company’s web site. While you are logging in or filling the form in, the program is recording your keystrokes and all your private information – account number, user name, password, social security number – is disclosed. Never click on the links included in such emails. Just open a company’s web site in a separate window and check your account details out.

Nigerian spam is one of the most dangerous email scams. The mechanism of the scam is simple. The spammer sends you a badly spelled letter on behalf of a government official, deposed ruler, or relative of a ruling family asking you for help. They have some goods, money, or jewels that they cannot access due to political reasons. They ask you to allow them transfer large sums of money into your bank account. They promise to remunerate you for your kindness, or even leave all money to you. Attractive offer, isn’t it? Don’t be a dolt, don’t believe them. They tempt you into a trap. Their object is to obtain your account number and bank transfer information. They also may ask you to send them a fee to bribe some corrupt government officials. Further you may receive additional officially looking letters where you will be asked to provide further documents, private information, and money. When they have “played” with you long enough, or believe that you may suspect to be led on, they will rob you and quite.

Take care! Don’t react upon any spam message whatever tempting offer it contains. Delete it at once, or let an anti-spam filter delete all spam before you download it into your inbox.

Dirt bikes. speed in the dirt

There are various dirt bike competitions like Motocross and various trial events where variants of a large number of dirt bikes compete with each other.

An interesting fact to note is that dirt bikes have no number plates. Every year the US Department of Motor Vehicles issues green stickers especially for dirt bikes. Another important fact to take care of is that dirt bikes are not allowed on city streets as they are only allowed to be ridden on off-road tracks.

Different Types of Dirt Bikes

Some of the bikes that you might see when it comes to dirt bikes are Yamaha YZ, Yamaha WR, Yamaha DT, Honda CRM, Honda CRX, Kawasaki KX, Kawasaki, KLR, and Suzuki RM, amongst various others. Though al these bikes have their own distinctive features they have one thing in common. They are light, strong, and have the ability to handle the roughest of tracks.

The Composition of the Dirt Bike

Dirt bikes are mainly built of either a two-stroke engine or a four - stroke engine. In a two stroke engine the mixture of oil and gas is ignited in the cylinder, and thus not only does the bike get powered up, but the engine is also lubricated in one go. The four stroke dirt bike engine is like a smaller version of the car engine wherein, the gas is ignited but the oil can also be used again.

If you are looking for differences between a normal street bike and dirt bike then you have to look no further than the suspension of the dirt bike. They have a higher ground clearance and not only this; they are much lighter as well. Their tires are also different, and have deep treads in them, so as to; offer them a better amount of traction through, gravel, sand, dirt or mud.

Moreover, the engine of the dirt bikes is also placed at a much higher level as compared to normal bikes, to protect it from various obstructions like rocks etc. Also, the gas tank installed in the mid-section offers it a better balance.

Choice of a Dirt Bike

There is a large amount of difference between what you want and what you really need. The one significant parameter that will determine the kind of dirt bike that you want to buy is dependant on your own skill sets. If you are a beginner it wouldn’t be a good idea for you to buy a mean machine that you have seen speeding its way to glory in a Motocross Race.

The purpose of your purchase is also a key determinant of the kind of dirt bike that you purchase. If your objective is to have fun just riding with your friends and going out on trail rides then, you definitely do not want to buy a full blown racer dirt bike. On the other hand if you want to buy the bike, primarily for a racing purpose then you must surely get a true dirt bike racer.

End Words

Everyone is actually on a budget. Nobody wants to buy a dirt bike that is not within their means. Moreover, if you are on a minimal budget and cannot find a dirt bike to suit your purpose; then it’s best that you tone down your demands a little and think of a middle-weight, slightly used dirt bike.

There are times when some of the best buys, in terms of dirt bikes, can turn out to be some of the most underrated bikes that are available in the market. Whatever the bike you buy, it’s important that your objective is to have some fun. Don’t think beyond having an exciting time, riding your bike!

Aquarium aeration basics

As we all know rivers and lakes are the natural habits for fish and other marine life. Rivers and lakes have large surface area which makes maximum provision of oxygen for fish survival possible. On the other hand an aquarium is not like river or lake, it has a smaller surface area and there is limited movement of habitats.

This makes the provision of alternative means of oxygen for fish to breathe important. This artificial process of providing oxygen is called aeration. It's a simple process of re-oxygenating the water in aquarium tank.

The Aquarium Aerating System:

An aquarium aerating aystem made up of a series of materials that increases the supply of air (thereby increasing oxygen concentration) they are:

-the air pump

-t-pieces

-rubber tubing

-clamp or regulator

-diffusers or airstone

Air pumps come in different shapes and sizes but the most popular ones are tecax air pump from Taiwan together with 'dyna free, and the dragon' another popular one is super 555 from India though cheaper, but not as rugged. Occasionally available are the more expensive whisper and rens air pumps from Uk and rance respectively. Always place air pumps above the water level hooked to a non-vibrating material.

You can accomplish aeration in your aquarium tank by using the above listed aeration materials.

For small tanks all you need is to attach a simple aquarium air pump to airstone by means of a rubber air tube. The system will be blowing air into the water which causes motion in aquarium tank and thus provide the necessary oxygen your fish needs to breathe in the aquarium.

Sometimes people complain that the airpumps are too loud. A tricks to keep the air pump quiet is to insulate it's vibrations by placing the air pump on a large sponge.

I have even heard of some people who have buried the pump in cat litter with a air tube running to the surface from the air inlet... but you don't have to go to that extent. A large sponge should do the trick.

What is an unsecured loan

:
There are so many people who have an urgent need for money. You may be one of them. The need may arise any time. Most of us do not have sufficient savings to use during these times. This is where a loan can help you. You can take out a loan from a bank, a building society or a private lender.

Loans are broadly classified as secured and unsecured loans . Secured loans are given against the security of a property. The property guarantees the repayment of loan. The lender may repossess and sell off the property if the borrower defaults. There are several benefits of secured loans such as low rate of interest, small amount of monthly payments, flexible repayment terms, etc.

In spite of these benefits of secured loans, there has been a rise in the popularity of unsecured loans. This is because there are so many people who do not own a house. Tenants and those who live with their parents cannot obtain secured loans. Unsecured loans are a boon for such people. They can fulfill their needs and see their dream coming true by taking out an unsecured loan.

Personal loan business is expanding like anything. Lenders have realized that there is a huge untapped market of personal loans. Personal loans are usually unsecured and can be used for a number of purposes. You need to show your income proof to obtain a personal loan. The amount of loan depends upon your income. Personal loans can be used for a number of purposes such as home improvement, debt consolidation, to pay for a holiday trip, to buy a household item, etc.

You can find an unsecured loan of your choice over the internet. There are many lenders who offer loans online. Many introducers and brokers help you find a lender over the internet. The online loan application process is fast and simple. All you need to do is to provide the information regarding your requirements and the lender may offer you an unsecured loan that meets your needs.

The ball in the hole

A popular mantra to commit to memory is successful golf putting the ball into the hole in the minimum number of strokes. Developing a beautiful golf swing, hitting a nice, long drive or even having the latest golf equipment doesn’t mean much if high numbers appear on the scorecard next to your very own name. It makes perfect sense to start with the very skill that is generally most responsible for achieving the ball getting in the hole-putting.

You will never become a successful golfer if you are not a good putter. One of the most esteemed golf teachers in history, Harvy Penick explained that if a beginner attempts to learn the game of golf at the tee and move on towards the golf green, postponing the short game until the very last, then this particular beginner will be lucky if he can beat anybody in a game of golf. In short, learning to putt the ball is the first step to achieving status as a successful golfer.

Although a putt can be achieved with any golf club in your bag, the putter is especially designed for this golf stroke. Due to the fact that putters come in an assortment of shapes and sizes, it is best to attempt a variety of putters to determine the one putter that leads to best results. A traditional putter’s works like a wonder for most golfers and it’s a smart place for novices to begin.

Compared to the other shots in golf, the intention of the putt is for the ball to roll along the green and avoid becoming airborne. To accommodate the effective putt, the putter has a near-vertical face with little to no angle. Of all the golf shots known to man, the putt is struck with the most minimal amount of force. Traditional putters have very short shafts to generate more controllable, slower clubhead speed.

There are several points of golf etiquette for the putting green, but there are two major putting rules. The fist rule affords you to lift the golf ball once it has come to rest on the green. However, the ball must be returned to the spot from which the golf ball was lifted. The failure to return the golf ball to its initial location can result in a two-stroke penalty. To mark the location of this spot, you can place a small coin behind the golf ball before lifting the ball. It’s advisable to also mark your golf ball if it intercedes with the putting line of another golf player. Once the golf ball is clean, you may return the ball to its initial spot on the green and remover this marker before stroking our golf putt.

The second rule of putting declares that when you are playing a golf ball from the putting green, your ball must not hit the flag or flagstick, or even another golfer’s ball lying on the putting green. You can incur a penalty of two strokes if you strike the flagstick, flag or a ball resting on the putting green. It is the golfer’s responsibility for the opponent’s golf ball or flag to be removed if there’s any chance your putt may strike the object. Only if your ball has come to rest on the putting green does this particular rule apply.

Italian swimsuit industry high prestige at international level

Some history

In all probability, since 1400 BC Roman and Greek athletes were used to dress costumes as much similar as the modern bikinis (This is well shown on frescos and findings of that historic period).

However, proper bathing suits (swimsuits) finalized to recreation and water sport activities, date back to the end of XIX century. Of course, speaking about women swimwear, they were one-piece swimsuits aimed to hide any sinuous, female shape.

On the contrary, modern bikini swimsuits, were created and introduced in the market by the Parisian engineer Lous Reard ( the word bikini derives from an atoll of the Marshall Islands).

Naturally this innovation on women’s swimwear outfit - with naked gluteus and belly-, provoked clamour and diffidence in United States, where only in the 50’s was definitely accepted and introduced in the market.

Italian manufacturing of women’s swimwear

Nowadays, after years of experience and style, the Italian production of bathing suits covers a big part of the business representing research, offer and purchasing volumes of swimwear.

This is probably due to the great tradition, as well as in the sector of summer swimsuit fashion, also in the manufacturing development of the fashion clothing industry able to offer a trend and define fashion on a planetary level.

For a total globalization of swimsuit products, it is fundamental that those Italian Companies dedicated to the creation and development of summer swimwear, adopt advanced web technologies that will allow worldwide visibility and whole satisfaction of the sector demand.

For this purpose, Toscana Chiarugi offers experience and professionalism in the production and online sale of swimwear thanks to promotional investments and realization of a new online catalogue illustrating the whole new summer collection.

Chiarugi is a reference point on the web for swimwear and lingerie sale, being its users not only Italian but women in general, wishing to distinguish themselves by femininity and prestige.

Another score gained by the ‘made in Italy’ clothes manufacturing compared with the European and International Competition!

How to get all the free traffic you want with only one marketing activity

Are you a “traffic juggler”?

That is, do you attempt to get traffic to your site by doing all kinds of activities ranging from SEO to PPC listings to buying solo mailings?

In other words, do you “juggle” your traffic generation activities like multi-colored balls – never holding on to one for very long and always moving on to the next one?

As a recovering “traffic juggler” myself, I can tell you this with great certainty ... you and I aren’t alone.

Sadly, most internet marketers wear the same hat. They complicate things by trying every new traffic strategy, buying ever new traffic tool and joining every new traffic program.

It doesn’t need to be that way.

In fact, what I want to suggest to you in this article will make your life a whole lot easier, and, as a direct result, will actually get more traffic to your site than ever before.

Brace yourself for a life-changing statement –

** If you have your own product to sell online, you only need to focus on ONE traffic strategy! **

Yep, you read that correctly.

Instead of trying to do a gazillion things, there is a very simple, very effective approach: focus on the ONE thing that really matters, the ONE thing that produces the greatest results, the ONE thing that will get you all the traffic you’ll ever need.

And that ONE thing is to...

** Start, Strengthen and Spread Your Own Affiliate Program*

Let’s look at that statement in 3 steps for simplicity purposes...

Step 1: *START* Your Affiliate Program.

There is one major reason why you need to start your own affiliate program that stands head and shoulders above the rest: every traffic generation concept (past, present and future) can be done FOR YOU, BY OTHERS if you have your own affiliate program in place.

Let that sink in. Chew on that for a while. It’s such a paradigm shift that most people don’t even realize the tidal-wave-like power behind the concept.

Instead of you working with PPC ads and you working on the SEO stuff and you buying the solo mailings, you can get others to do this FOR YOU as a member of your affiliate program.

So, to begin with, you need to start your own affiliate program. A great place to do this is Clickbank. com.

Step 2: *STRENGTHEN* Your Affiliate Program.

After establishing your affiliate program, it’s important to “strengthen” it. That is, you will need to train your affiliates to do all of the marketing for you. You’ll also need to provide them with marketing materials such as brandable PDF reports, articles, advertisements, banners, etc.

But, let’s take this another step.

Instead of loading some marketing and training materials to your affiliate center and leaving it up to your affiliates to figure out how to use them, why not point out how to use them?

Example: List 10 great newsletters where they can purchase solo mailings to promote your offer. Put something in there for every budget. (What a nice treat it will be when one of your aggressive affiliates purchases a $500 solo mailing to promote your offer!)

You’ll be SHOCKED to see what this one additional step can mean to your bottom line.

But, you could take it even another step further.

How about offering to personally train 10 affiliates in how best to promote your offer? You could teach one how to use ezine advertising; another how to buy PPC ads in numerous engines; still another how to distribute ezine articles.

(Here’s an idea: how about you purchase a copy of the latest traffic tool or manual for one of your affiliates and get them involved in using it to promote you?!)

Can you imagine the impact?

Step 3: *SPREAD* Your Affiliate Program.

Finally, you want to continue growing your program by recruiting more and more affiliates. As your numbers grow, so will your results.

The bottom line is simple: instead of “juggling” a bunch of different traffic ideas, a much more effective use of your time is to focus on ONE source of traffic: your own affiliate program.

Juggling is great for clowns, but lousy for internet marketers.

Don’t be a clown when it comes to your business.

Jaguar xk powerfully elegant

:
Got $74,385? No. Not to buy a new set of XJS Jaguar parts. $74,385 would be so you surely can own one of the latest 2007 Jaguar XK series coupe models. It now comes equipped with a 4.2 liter V8 engine that could produce 300 units of horsepower, and it has also been built with an accompanying chassis made out of aluminum. For city driving, you can get 18 miles per gallon out of it and some 26 mpg for cruising down highways. Just by the name that it holds, the Jaguar XK is a superb vehicle and surely exudes class and power. Is it not something you would want to own?

What is new about this new 2007 Jaguar XK is that it is very fast, even much faster than the models before it. And to add to that note, its speed is a product of its getting lighter. In fact, according to the Jaguar brand, it is now five per cent lighter. The previous models were already topnotch vehicles and with changes like this, it not would be very surprising to find that this vehicle has maintained its reign as the best selling sports car for all time for the Jaguar brand.

This sports car has a huge amount of standard equipment made available for all interested parties. You can count in the usual like traction control, stability control and antilock brakes. You can also find whiplash reducing front seats included in the list. For added safety, Jaguar has added in a tire pressure monitoring system as a standard feature. Oh, and do not forget fun features like the DVD navigation system, plus a keyless start. Jaguar also boasts that the Jaguar XK has an adaptive suspension system, power adjustable front seats that are also heated and has a memory function, and parking sensors are also included.

Fishing adventures in canada

If you are the sort of person who enjoys a more extreme and thrilling fishing trip, then Canada is definitely the place for you. In Canada there are rivers, lakes, and streams in abundance. You can find both fresh and saltwater fishing areas all within close proximity of each other. And the fish themselves are plentiful in this great part of North America. And as a result there are many types of fishing trips to choose from, so you are sure to find one or more that you love.

As for bodies of water, there are two main types of fishing in Canada – salt water and lake water fishing. Both are different from one other, and information concerning either is available in most any of the plentiful fishing equipment shops. You can also buy everything in the fishing shops that you will need for your trip.

Salmon fishing is particularly popular in Canada. And as there are many "versions" of salmon to fish, you might experience some difficulty making a choice. Frequently, people base their trips simply and exclusively around salmon fishing.

Fishing in the salty waters of Canada’s three coasts is immensely popular. There are scores of large fish to be caught off the shores, increasingly as the waters reach deeper levels. Tuna and shark are two of the species that are highly sought.

The older sport of fly fishing is also very common in Canada. Fly fishing is performed by using a lure, also known as a fly. If this is of interest to you, check out some of the fly fishing packages available.

Ice fishing is another form of fishing that offers a lot of fun while in Canada. There is quite a bit of equipment that you need for such trips, however, but your guide - if you hire one - will be more than happy to help you gather what you require. While there, you can rent an ice hut to serve as shelter from the elements. Ice fishing truly has to be experienced to gain a good appreciation of its nuances. And if you are an adventuresome fisherman, you will no doubt want to try it yourself - at least once.

Regardless of the form of fishing you enjoy in Canada, it is wise to enlist the help of a guide. By hiring a guide you will be able to gain the most benefits from your fishing trip. It is also wise to pack emergency equipment such as your cell phone, first aid kit, and extra clothing to keep warm.

You will have a great time fishing in Canada!

Benefits of levitra over cialis can ignite your sex life

Levitra and Cialis both are oral therapy medications that are used for the treatment of erectile dysfunction. Still levitra stands one step ahead of cialis. Studies conducted earlier have portrayed that the percentage of people benefited by levitra is more than those benefited by cialis.

Both levitra and cialis are the medications that have been approved by FDA. Levitra has captured the pharmacy industry by its effective results and fewer side-effects. It helps attain an erection within 15 minutes after taking the medicine. Its effect lasts for a longer period of time, nearly about 16 hours. On the contrary, cialis starts its effect after 30 to 36 minutes and any long term positive effect with this medicine has yet not been reported. Hence, levitra works quicker and has longer lasting effects.

One should not consume any of these medicines without the prescription of the doctor. One pill of levitra is taken daily whereas cialis usually requires the patient to take 2 pills in a day.

Levitra can be taken with or without food. There are no food or alcohol restrictions with the intake of this medicine. You can go ahead enjoying parties and romantic dinners. Whereas if your are consuming cialis, you may require to take it empty stomach. You doctor can guide you better regarding the dosage of the medicine.

Levitra has proven to have lesser side-effects as compared to cialis. Although levitra has been found to be a safe medicine for heart patients, the use of cialis in a similar condition can be dangerous. The side-effects that can be caused while consuming cialis are as under-:

•Headache

•Flushing

•Stomach upset

•Nasal stuffiness

•Diarrhea

•Dizziness

•Skin rash

•Blurred vision

•Urination problems

Side-effects other than those listed above can also occur. Levitra may cause a few mild side-effects such as dizziness or a slight headache. Unlike cialis, it is not expected to cause any damage to the patient’s vision.

The success rate with levitra is calculated to be more when compared to cialis. Although both the drugs work alike, recent findings suggest that levitra may work much better.

Levitra has revolutionized the pharmacy industry. Erectile dysfunction cannot land you in a state of embarrassment any more. Use levitra and get an easier and much harder erection. Refurbish your sex life and enjoy the climax of sexual intercourse. Make you spouse happier by gratifying her sexual urge.

Causes of stretch marks

Stretch marks are fine lines of thin stretched tissue that may appear on the body, often during rapid weight gain or pregnancy. Naturally, our skin is very flexible. However, during rapid growth, the production of collagen is disrupted (collagen is a protein found in our skin that makes up most of the connective tissue giving it a smooth texture). This leads to reddish lines on your skin with a rough texture that will eventually turn grayish or white before fading. Stretch marks can affect both men and women, however, they are more prevalent in women, especially during pregnancy.

Apart from pregnancy, often times people who are obese, people how have excess amounts of body fat, or even body builders can both develop stretch marks as a result of the rapid bodily changes that occur. Heredity can also play a role in the development of stretch marks. Some people are naturally born with dry skin that is less elastic than that of other people. In these instances, it will require less body change in a short period of time to develop stretch marks. Also, many steroids which are taken through contact with the skin can cause stretch marks in one’s body.

Stretch marks will eventually fade over time, although they will never naturally be removed from your skin. There are a few medical operations and products that you can use to help remove the stretch marks from your body, ranging from surgery to a variety of creams available which claim to help remove stretch marks. These operations and creams are very expensive and most of them are not very good or dangerous, so it is best to help reduce your chances of developing stretch marks in the first place.

This can be done by insuring that you are drinking a sufficient amount of water daily. It is also important not too drink excessive amounts of caffeine found in coffee, soda, and other drinks, as caffeine will help weaken the dermis, the layer of skin which gives it elasticity. Research has also shown that a healthy balanced diet helps reduce the chances of stretch marks.

Make sure that your diet includes protein rich food such as eggs, chicken, turkey, fish, milk, yogurt, and other dairy products. Zinc rich foods such as fish, as well as foods rich in vitamins will also help. A proper intake of fruits, vegetables, dairy and grain foods can all help reduce your chances of developing stretch marks.

Stretch Marks are a truly unfortunate condition. It is best that you make all attempts at avoiding them if possible. Try to be sure to maintain a healthy balanced diet and have a sufficient intake of water. There are certain times in your life where the chances of stretch marks are high and it is not feasible to avoid these because of circumstances, such as pregnancy. In these cases talk to a dermatologist (skin doctor) to determine what treatment is best for you if they do develop on your skin.

The butt lift

The plastic surgery operation known as a butt lift, thighplasty, or excisional thigh lipectomy is a procedure which addresses a range of problems in the inner thighs ranging from excess fat deposits to loose skin to weak muscles and stretch marks. Butt lift is a common plastic surgery operation for the removal of loose skin after massive weight loss following successful bariatric surgery. It may also form part of a body lift - a more complex plastic surgery procedure that combines tummy tuck, thigh, and buttock lift.

A Butt lift is typically performed under general anesthesia. The butt lift procedure will usually last three hours or less. Before the operation, the surgeon plans the operation by marking where the skin-incisions are to be made for optimum body shaping effect. Several incisions are made where the doctor believes cutting will be most effective for the patient with the least side effects and scarring.

With this particular procedure, you will want to know that your surgeon is qualified and experienced to perform the butt lifts. Many surgeons have taken special training and passed exams given by a national board of surgeons. Ask if your surgeon is "board certified" in surgery. Some butt lift surgeons also have the letters F. A.C. S. after their name. This means they are Fellows of the American College of Surgeons and have passed another review by surgeons.

Suppose that your butt lift doctor recommends that you consider having an operation. How do you go about finding a qualified surgeon? If you or someone you know is considering elective surgery, you should be aware that there are some ways to objectively evaluate your surgeon. The American College of Surgeons—the largest international organization of surgeons in the world—recommends that you look for the following qualifications:

A good indication of a butt lift surgeons competence is certification by a surgical board that is approved by the American Board of Medical Specialties (ABMS). In order for a physician to become board certified in butt lifts, he or she must complete the designated years of residency training in that specialty, and then demonstrate his or her knowledge by successfully completing a rigorous examination. When you choose a surgeon who is certified by an ABMS-approved board, you select a physician whose specialty is in surgery, and who has been rigorously tested by fellow surgeons in their field. This is the best possible type of reassurance, and will put the odds in your favor that once all is said and done, you will be happy the results.

Celebrate with the gift of champagne

When you are looking for a wine gift, or a gift in general there is nothing else that creates such a sense of occasion than champagne. So why not put the two together and send champagne as a gift. Ideal for celebrations like weddings, christenings, birthdays, engagements or just to say ‘I love you’ at anytime of the year, champagne creates a fizz at any event and is always appreciated by the party host.

Champagne gifts come in a range of different ideas, so there is bound to be one to suit the person you are buying for and you pocket. A single bottle of champagne, beautifully packed in a stylish box is a gift suitable for even the most discerning palates. For something a bit different you could go for a rosй this will appeal to everyone on a summer’s day and is a different take on the usual wine.

However if you wake to really make an impression and also make the party last twice as long why not go for a Magnum - one magnificent 150cl bottle – It will be twice as appreciated and all those bubbles are bound to get the party started. A gift that's sure to get you noticed!

You could also spoil someone rotten with 6 bottles of champagne. This will enable the party to last for several days or just ensure they have some bubbly in store for whenever you come round to visit!

When it comes to buying the champagne, what better place to look than online. Not only is there a host of different products available, but they are delivered direct to the person you want to give to.

The champagne gifts are always excellently presented in special boxes, and because they are delivered by the company directly there is less chance of damage occurring en route, allowing your gift recipient to receive a perfect present direct to their doorstep. Ready for them to open with that unmistakeable ‘pop’

The best part about sending champagne online though is that you don’t have to trawl through the shops looking for the product. It allows you to avoid the sales patter of the salesperson and the queuing crowds of the checkout.

In addition to that, you can choose exactly what you want with the guarantee that your champagne will be perfectly presented and will arrive safely.

Time to start using those 0 credit cards

It would have been unthinkable just a decade ago, but now it is commonplace in the UK to hear of zero per cent credit cards. Brought about by fierce competition, both from UK and American lenders, and also by historically low interest rates, zero per cent credit cards have become extremely popular. Today, it is almost impossible to find a lender that does not offer some form of zero percent credit card. They simply have to if they want to compete in the business as it is run today. However, before you start signing up for a zero per cent credit card, you should be aware that there are different types of zero per cent card and you will need to be aware of what it is you want to use the card for before you decide which type is right for you.

The first thing to consider is a cash advance. These are typically charged at higher than normal interest rates and it is still extremely unusual to find a credit card that will give you a cash advance at zero per cent. So if you are looking for zero per cent cash, then it is unlikely that a credit card is going to give it to you.

Zero per cent purchases however, is something you might have a better chance of getting. There are now a number of cards on the market place that offer customers zero percent on new purchases. So if you would like to for example buy something large and expensive, and cannot get a good financing deal to fund the purchase, then perhaps buying it on a zero per cent on purchases credit card would be a good way to go. You will be charged no interest at all, and will have the entire interest free period, usually of six to nine months to pay back the amount without incurring any interest charges.

Probably the most common form of zero per cent for a credit purchase is on balance transfers. So if you find yourself paying a lot of interest on existing credit card balances, then you could look into transferring this balance onto a new credit card that offers you zero percent to do so. This has the potential of saving you hundreds of pounds in interest payments.

Finally, if you are one of those customers that are in the habit of paying off your credit card bill in full every month, then you will not need a zero per cent card at all. This is because you already pay no interest. In this case you would be better of looking for a card that offers some cash back or other form of reward rather than a zero per cent interest.

Now is probably the best time to take a closer look at an interest free credit card. More and more credit card companies and banks are now starting to draw back from offering such large introductory 0 per cent deals. More credit card companies are increasingly coming under pressure to reduce the amount of 0% credit card they offer due to the fact they do not make any profit from them.

Children can learn with classic toys

Have we lost our children in a hypnotic video game trance? Have they become “drones” to the “video age”?

Sometimes it may seem that way as many children spend hour upon hour in front of a video screen, pressing buttons or jockeying around a joystick. But it is up to the parents of children to say enough, let’s find some educational alternatives. However, it wasn’t that long ago when we were kids….we had real toys….classic toys.

Let’s step into a time tunnel of sorts and recall some of the fascinating toys that we had the pleasure of playing with:

Tinker Toys

Ahh..Tinker Toys..rods, sticks, spools, spokes..simple, but a true classic toy invented in 1914 by Charles Pajeau, who was a stonemason by trade from Evanston, Illinois. He was inspired by children playing with pencils, sticks and empty spools of thread to create his new toy. He saw them improvising and using their imaginations and wondered if improve upon what they were doing. He designed his first set of Tinker Toys in his garage and displayed them in 1914 at the American Toy Fair.

Alas, his Tinker Toys drew no interest. So he tried again, this time at Christmas time, but with a new marketing plan. Pajeau hired several midgets and had them dress in elf costumes. He then had them “play” with the Tinker Toys” in a store display window in a Chicago department store and with this publicity a new toy was born. After a year or so, over one million sets of Tinker Toys had been sold!

Lincoln Logs

Notched redwood logs that could be used to construct log cabins, Lincoln Logs were the invention of John Lloyd Wright, son of famous architect, Frank Lloyd Wright. The inter locking logs, invented in 1916, were fashioned after the foundation of Tokyo’s earthquake-proof Imperial Hotel, which the younger Wright witnessed being constructed.

During the World War I era, it was in vogue to encourage American patriotism and for American’s to buy American made products, thus the new toy was named after one of our most revered presidents, Abraham Lincoln.

The original sets sold very well and became even more popular with the introduction of television to the United States. In fact, Lincoln Logs were among the first toys to be advertised and promoted on television. Capitalizing on the popularity of westerns in early television, Lincoln Logs were successful promoted on 1953’s Pioneer Playhouse.

Today, Lincoln Logs are still available and have stood the test of time. As a matter of fact, as late as 1975, Lincoln Logs were still selling at a rate of one million sets per year. A sophisticated toy, it challenges youngsters to use their imagination and improve hand-eye coordination skills.

Gold coins are an excellent investment

If you are looking for coins with definite investment potential, gold coins are an excellent place to start. Though they are expensive when starting out, the investment value of gold itself makes them a very attractive option. And, because gold is bought and sold routinely on the commodities market, it is easy to stay on top of the price of gold, making it easy to follow the price of your gold coins. Which makes gold coins the equivalent of stocks or bonds for the coin collector.

Admittedly, it is not always easy to get into the market for gold coins. After all, gold is expensive, so coins made from gold are going to be pretty pricey. However, there are usually several weights available, so you will be able to find something that will fit your price range. However, when looking for gold coins, it is usually fairly easy to find a dealer. Many coin dealers are attached to the gold coin market and, if they cannot sell them to you directly, they will be able to connect you with someone who can.

There are also several internet merchants who offer gold coins, but it is a good idea to be careful when shopping online. After all, there are a lot of proper merchants out there, but there are also a lot of shady folks looking to make some quick money. So, before purchasing online, do some research and check the vendors out thoroughly. Be especially careful of anyone selling coins for prices that are lower than the market value for gold. This is a case where anything that seems too good to be true absolutely is too good to be true, because nobody is going to sell you anything at a loss – especially not a commodity like gold.

Of course, because gold is a commonly bought and sold commodity, the value of your gold coins can be tracked easily. The price can be found online, in the newspapers, and on the evening news. And, because the prices of gold coins are tied to the price of the gold that it contains, you don’t have to worry about the coin market itself. While collectible coins may have upswings and downswings, gold not only increases in value over time, but it also tends to keep its value very well. Which means that gold coins are a way to stabilize your investments as you place your money into a very tangible resource.

When looking for a solid investment that does not require a great deal of knowledge and research, gold coins are a very good place to start. They are easy to find, their value is easy to determine, and they are steady, reliable investments that will hold their value better than almost anything else. And, let’s face it, gold coins are just plain neat to look at. So, if you are looking for a tangible, sturdy investment that is not only valuable, but attractive as well, gold coins will make you happy every time.

The best sites in alaska

One of the most beautiful places on earth is the state of Alaska. Although cold, the sites are simply stunning. Whether sightseeing through natural parks, looking for bear, camping, taking a tour, or just dining out, you will fall in love with the land and the people. If you have been thinking about a vacation and are not sure where to go, we recommend you consider a trip to the most stunning place – Alaska. To help you plan your trip, we have provided some suggestions on what you might do and see.

Alaska Native Heritage Center – Anchorage

To help you learn about the various cultures of Alaska and the native people, this center teaches about customs, practices, and arts. This experience includes walking through native homes, watching ancient practices and performances, and being able to gain a better understanding about the importance of hunting and fishing in this vast land.

Iditarod Headquarters – Wasilla

If you have never taken the opportunity to watch the Iditarod on television, you are missing an amazing adventure. At the Iditarod headquarters, you can learn about this massive dog sled race. Then on the first Saturday each March, the ceremonial start of the race occurs in Anchorage with the actual race starting in Wasilla the following day. Exciting and fun, this is truly an incredible experience.

Alaska Seal Life Center – Seward

From monetary settlements coming out of the Exxon Valdez oil spill, this center was created to help teach people about marine biology, seal life, and animal rehabilitation. This area of Alaska is mesmerizing, rich with an abundance of sea mammals, fish, and birds. Perfect for families, the Alaska Seal Life Center offers hands-on exhibits while teaching about this state’s ecosystem. Known as one of the most intriguing places to visit, we highly recommend it.

Denali National Park

Denali, which translates to “The Great One”, is the native name for the highest peak in all of North America – Mount McKinley. This mountain range offers a number of peaks where all types of wildlife live to include bear, wolves, Dall sheep, wolves, and moose. If you enjoy the great outdoors, you can take a tour of the area or enjoy a day of hiking. Spread out over some six million acres, you will immediately fall in love with the natural beauty.

Glacier Bay – South East Alaska

At Glacier Bay, you will discover 13 tidewater glaciers. Although they are all spectacular, the three largest and most impressive include Margerie, Muir, and Johns Hopkins. Glaciers are located in the south half of the state, with many of those being accessible by foot or vehicle. For those harder to reach, you can enjoy magnificent views from airplane or boat. To see the largest concentration of calving glaciers in the state, you want to spend time at Prince William Sound.

Bear Watching

One of the favorite things to do in Alaska is to look for bear. With grizzly, brown, and polar bears, the very sight of these incredible creatures is breathtaking. Of course, safety rules are important to follow but the best places to visit include the Anan Wildlife Observatory where black bear feed in the salmon stream and Pack Creek where brown bear live on the island. Additionally, Katmai National Park is an excellent adventure where from July to September, you can enjoy brown bear feeding off salmon runs and Kodiak Island, the famous place where the largest bear in the world is seen, the Kodiak brown bear.

U. s. needs comprehensive immigration reform

The immigration debate is once again dominating the news as members of Congress focus on the long-neglected problem of fixing our country's failed immigration laws.

American lawmakers are now at a critical point. Enforcement-only legislation won't work and hasn't worked. Previous efforts to solve this problem by focusing exclusively on border security have failed miserably.

In fact, during the past decade, the U. S. tripled the number of agents on the border, quintupled the budget, toughened our enforcement strategies and heavily fortified urban entry points.

Yet during the same time period, America saw record levels of illegal immigration, porous borders, a cottage industry created for smugglers and document forgers and tragic deaths in our deserts.

We must learn from our mistakes, not repeat them. What we need is comprehensive, bipartisan immigration reform that deals smartly with the estimated 11 million undocumented immigrants living and working in the U. S.

Most are relatives of U. S. citizens and lawful residents or workers holding jobs that Americans do not want. People already here who are not a threat to our security, but who work hard, pay taxes and are learning English, should be allowed to earn permanent residence.

The Secure America and Orderly Immigration Act, introduced by Sen. John McCain, R-Ariz., Sen. Edward Kennedy, D-Mass., and others, includes the necessary components of reform and provides the basis for fixing our system. It combines toughness with fairness, creating a new temporary visa program that provides a legal flow of workers.

This "break-the-mold" worker program would significantly diminish illegal immigration by creating a legal avenue for people to enter the U. S., something that barely exists today. Current immigration laws supply just 5,000 annual permanent visas and 66,000 temporary visas for essential lesser-skilled workers, in no way meeting the annual demand for 500,000 such workers.

In addition, reducing the decade-long backlog in family-based immigration would reunite families faster and make it unlikely that people would cross the border illegally in order to be with their loved ones.

Congress and the administration must act wisely as they weigh their choices. We've had enough "quick fixes" that have made an already unworkable system worse. We cannot control our borders -; or enhance our national security -; until we enact comprehensive immigration reform.

Deborah Notkin is president of the American Immigration Lawyers Association. - NU

When to buy shares or trade the forex for maximum profits

Ideally, you buy stock or currencies at its lowest price and sell at its highest.

Practically speaking, you do the best you can between these unpredictable extremes.

For, as you will see, the low does not become apparent until your stock begins to rise above it, the high is not established until your stock begins to drop away.

Although all of us could wish it otherwise, no bells, no flashing lights, no 21-gun salutes ever mark the bottom or the top.

Timing your stock transactions, therefore, is perhaps the most delicate element of investment, the decision requiring the keenest judgment and the surest touch. Experience helps, although success is not necessarily proportional to it. Veterans of the market, men who have been buying and selling for 30 or 40 years, sometimes seem to have a sixth sense about turning points, up or down, for individual stocks, or industrial groups, or the market as a whole.

On what seems to be no discernible evidence, they will mutter, "Well, I think the market's going to fall out of bed," and, sure enough, within a week there is a 9 or 10 point reaction. Yet newcomers may also acquire this skill with surprising speed.

Since judgment is a subjective quality, there are no firm rules for applying it. But there are generalities that can begin to define objectives and delimit areas of choice. And there are a number of techniques which attempt, more or less successfully, to better the average results obtained from trying to calculate timing arbitrarily.

Most professionals will tell you, right off, not to try for the extremes. The surest way to miss tops or bottoms is to wait for that last extra point of gain, that one more point of drop. Usually, an investor is considered to have done very well if he buys or sells within 5 points of the limit on a moderate-to-wide swing, within a point or two over a narrow range.

Another way of looking at the ideal objective is to reverse it: try to avoid selling at the low or buying at the top. This may seem to be superfluous advice, but both have happened many times when emotion entered heavily into judgment. Buying near or at the top is a temptation when a stock has been rising swiftly and steadily and the investor is eager to get aboard. The top, after all, is only relative.

New tops may be within reach which will make the current one seem a reasonable buying level. Selling near or at a low is tempting when a stock has slid downward and the holder has become disenchanted with it. The impulse is to sell out, take the loss, avoid further trouble, and be well rid of the dog.

The correctness of these decisions cannot be judged in the abstract. They depend, first, on your objectives (See Chapter 3) and on how closely or satisfactorily you have realized them. And they depend on your analysis of the several dimensions of highness and lowness involved.

Buying for income is relatively easy. The indicated dividend divided by the current price will give the yield in percentage terms. If the yield suits you, and investigation suggests that it is likely to be maintained, the price is right, whether it is in the high, middle, or low range for the year.

The problem of the buyer-for-income in recent years, of course, has been the fact that a rising market has reduced yields to some very uninspiring levels. The average yield of 10 big oils in the first quarter of 1959 was 3 per cent. For five chemicals it was 2.24 per cent. For seven steels it was 3.85 per cent. Only the better railroads were around 5 per cent, as a group.

Strictly on an income basis, the investor would do better at the savings bank than in oils and chemicals, and might be considered to have missed his market in these categories. The choice then is whether to argue himself into accepting 3 or 3.5 per cent (or 2.2 if he wants G. E., 1.5 if he wants Dow) in a sought-after category, whether to switch categories, or whether to ignore the market until conditions are more to his liking. There may also be a temptation to jump into a stock that for some reason is still yielding 5 or 6 per cent, although it would be foolish to do so without determining why it has maintained a high price/dividend relationship when everything else is low.

If the objective is capital gain, timing becomes more crucial. Somehow you must determine how many more points above the current price your stock is likely to go, and whether this will be a satisfactory profit, considering that possibly 25 per cent of it will go for taxes.

All rises must be predicated on earnings, or the expectation of earnings. Take, for instance, a stock selling at 50 and paying $2. This is a 4 per cent yield, which, we'll say, is about average for this market this year.

Now, news gets out that it is possible that the company will earn $6 per share by year's end. Since a 50-per cent payout is the general practice, a dividend rise to $3 is indicated.

Naturally, there will be a small rush toward the stock and a rise in the market price, probably to 75, or the new equivalent of 4 per cent.

This is the simplest sort of cause-and-effect relationship, so simple, in fact, that it practically never happens just this way. If prices reacted exclusively on good or bad dividend news or expectations, the market would be far more static than it is. Still, earnings and the benefits there from that shower down on the stockholder are the basic premise of stock activity.

The biggest complicating factor is the general absence of hard information. It's rare that a jump in earnings can be positively pin-pointed, or pin-pointed before a market rise has taken effect. As a result, most investors have to contend with a vast range of other investors' hopes, guesses, anticipations, and facts.

Furthermore, the stocks believed to have the greatest potential for growth usually vary the general pattern. The Dows, Minneapolis Honeywells, Owens-Cornings, and Minnesota Minings have long since been pushed to levels where their dividend returns are virtually meaningless, and where perhaps even their growth potential has been completely discounted.

Still, these extremities were more marked when stocks generally were yielding 5 and 6 per cent. Now that so many yield 3 and under, the growth specials do not seem so unreasonable at less than 2.

If you are trading shares or Forex you can also benefit from software that can help you time your purchases and sales for maximum profit.

Virtual law enforcement answered with earning a criminal justice degree online

Many individuals are drawn to considering law enforcement or criminal justice as career choices. Next to psychology, most people today consider a profession in law to be one that's desirable and that offers strong job security. Colleges and campuses offering instruction in criminal justice are easy to find, but choosing to train for a criminal justice degree online may be the smarter choice, taking into consideration our technological world and its increasing need to crack down on virtual law enforcement. Receiving training in the very environment that many individuals will end up actually working in can boost appeal for prospective employers. What's more, the personal requirements needed to obtain an online degree including determination, dedication and the will to achieve, are desirable ones for criminal justice areas, portraying to potential employers an individual serious about his or her career.

An Associate's or Bachelor's degree in criminal justice can open the door to many positions in the field, such as courtroom administrator, police officer, private security officer, probation or parole officer, juvenile delinquency case manager, corrections officer, or police detective. Even the very jobs that one would think need on-site training at campuses can be a possibility via online education. Colleges can provide a solid start in enforcement positions and once an individual has completed their criminal justice degree online, he or she can certainly move on to more in-depth training to narrow down the career of their choice and receive more pertinent, specific skills. Students wanting to increase their credentials can pursue a Master's degree, which certainly makes any individual a strong contender for positions in the law enforcement industry.

A criminal justice degree can also involve other job options, such as becoming a paralegal or working in computer network security. Many enterprises and corporations look to save costs by hiring the services of paralegals or even employing a paralegal directly and having one on staff at all times. Tasks that were once thought to only involve lawyers are now being delegated more and more to paralegals, and the prospectus for employment options for this occupation is expected to rise as more businesses become savvy and seek to reduce expenses.

For network security considerations, technology and law enforcement meet head on, and skills tailor-made to deal with security breaches and cyber terrorists nearly guarantee job security in a high paying position. Insidious stealth attacks designed to bring companies crashing to their knees require highly skilled individuals with critical training toward valuable database information and protect businesses from unwanted infiltration, either by hackers, attackers or viral activity. Cyber security is claimed to be the top priority by 81% of business executives, and salaries are double what other online degrees might provide. The rewards of such a high-tech employment position and the growing demand for professionals makes this field a solid choice with strong job placement opportunities.

Online training is a good option for those individuals who need to work at their own pace or blend employment and family. The convenience of being able to earn college credits towards valuable certification, combined with pertinent instruction that rivals any education directly on site at college campuses, makes studying online an excellent option. Curriculum is offered by colleges that have a fine reputation and are recognized by employers and businesses, as well as large corporations. The business world has moved to embrace and accept technology, and also shown its approval of distance education. A criminal justice degree online is more than enough for individuals to be attractive additions to any enterprise and can provide job security in an age where turnover can be high and solid qualifications are important to professional survival.

Is lasik eye surgery for you

Lasik eye surgery can be used to correct myopia, astigmatism and hyperopia. Presbyopia, which causes those of us in our late 40's to need reading glasses is actually a loss of flexibility of the eye lens and cannot be treated with lasik corrective eye surgery.

During lasik surgery the ophthalmologist actually reshapes the cornea with the use of a laser. How much reshaping you have done to your cornea depends entirely on your particular sight problem. The FDA first approved the excimer laser for eye correction in October of 1995. Lasik was approved in 1998.

The first thing you need to do before you see the doctor is homework. Read online about lasik, write down questions for your ophthalmologist. Talk to friends and family who have had the procedure. Ask them their experiences. As with any medical procedure there are real risks involved with lasik and you must weight the risks and benefits of the procedure based on your personal desires.

Some patients seeking lasik eye correction surgery come away with a worsening of their vision. Some come away fighting constant eye dryness. Some have bouts with severe infections. Some suffer from halos and double or triple vision.

Your doctor will evaluate you on an individual basis to see if he thinks you will be helped by lasik eye surgery. Not everyone is a candidate for lasik. Women who are pregnant or nursing are not. People with autoimmune or immunodeficient diseases are not candidates. People who form keloids are not good candidates for lasik. People who suffer from cataracts cannot have lasik. Your ophthalmologist will also most likely want you to have no change in your eye glass prescription for at least a period of one year prior to lasik.

The best way to help yourself obtain the best result from lasik is to arm yourself with knowledge.

Quit smoking by nguang nguek fluek

Nicotine addiction is very powerful and you know it is tough to quit smoking if you’ve tried and failed. Most smokers become edgy just thinking about quitting. But why is it so hard? The answer is nicotine which is a drug naturally found in tobacco and is highly addictive. The body becomes psychologically and physically dependent on nicotine over time. To be successful in quitting you must overcome both of these.

Withdraw Symptoms

When you try to cut back or quit smoking, nicotine’s absence leads to withdraw symptoms. Psychologically, the smoker is giving up a habit, which means a major change in behavior. Physically, the absence of nicotine makes the body react. If you want to successfully quit smoking you must deal with both. Withdrawal symptoms can include depression, feelings of frustration and anger, trouble sleeping, restlessness, irritability, trouble concentrating, headache and increased appetite.

You may start smoke again to get rid of the symptoms but who said it will be easy to quit smoking? Withdrawal symptoms will occur if a person who has smoked regularly greatly reduces the amount smoked or abruptly stops using tobacco. Symptoms start after a few hours from the last cigarette and about 2 to 3 days later peak, and they can last several weeks.

Why Quit?

Why should you quit smoking? Health concerns should be on top of the list of reasons. Smoking can cause not only lung cancer but also many other kinds of cancer such as cancer of the mouth, throat (pharynx), voice box (larynx), esophagus, kidney, cervix, some leukemias, bladder, pancreas and stomach. Smokers are more likely to die from heart attack than nonsmokers. Smoking also causes yellow fingernails and hair, wrinkling of the skin, bad smelling clothes and hair, bad breath and increased risk of macular degeneration.

Special Risks at Women

Smoking at women over 35 who use birth control pills is a risk factor for heart attack blood clots of the legs and stroke. Also a lower birth-weight baby and having a miscarriage are unique risks for women.

It is Never to Late!

No matter how long you've smoked or your age, quit smoking will help you live longer. Quitting before age 35 you will avoid 90% of the risks attributable to tobacco. And even if you quit smoking later in life you can significantly reduce the risk of a premature death.

If you find it hard to quit smoking remember that in a long run your life will improve with fewer illnesses from flu viruses and cold, reduced rates of pneumonia and bronchitis, and better self-reported health status.