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  http://world.suplementynaaodchudzaniee.pl test na otyÅ‚ość darmowy czy Å‚atwo schudnąć jak skutecznie schudnąć allen carr pdf dieta za otslabvane Copyright © Jeanette J. Fisher.6 Steps On How To Relieve InsomniaThere is few things in life more frustrating than having to lie there in bed, staring at the ceiling and being unable to fall asleep. Night after night you try to get some rest, but you just can't seem to get and stay asleep. You know you have to sleep, but for some reason it doesn't happen. There are some steps on how to relieve insomnia that might be able to help you get your much needed rest. Eventually, you might have to go see a specialist to help you, but if one of these steps works, then that expensive trip might be avoided.1) Eat consistently throughout the day and be careful what you ingest. A sharp decline or spike in your blood sugar level can disrupt any sleep patterns you might fall into. Try avoiding caffeine the last half of the day. Avoid alcohol in the evening. Yes, alcohol might relax you and help you get to sleep, but the quality of the sleep isn't that good and you stay in a light sleep and are easily wakened. Tobacco can also have a negative effect on your ability to go into a deep sleep.2) Light exercise in the evening. After a sensible dinner, take a nice evening stroll. This will help you work out tension you might be feeling and helps your body relax. Try to avoid doing anything strenuous as this might cause your body to get overstimulated.3) Allow yourself a chance to wind down in the evening. Stay away from work, the news, or anything that might get your mind active. You have to get yourself to a point where your mind and body are moving towards a relaxed state. Take a nice warm bath and then sit back and relax sipping a nice warm chamomile tea or glass of milk with honey.4) Set a regular bedtime. If you can put yourself on a routine, your body will respond favorably. Your body loves to be on a consistent schedule. Just make sure that you are able to keep that schedule going over the weekend.5) Make and keep your bedroom a sleeping chamber. Try to keep everything out of there that might get you stimulated. Try to make it as dark as possible. Take your TV and computer out of the room so you aren't tempted to use them. Keep your work out of the bedroom as well. You have to associate it with just sleep.6) Empty your brain. There are many ways to do this. The first thing to remember is not to remember anything. Don't think about the day you just had and don't think about what has to be done tomorrow. Read a boring book, do a boring crossword or sudoku puzzle, or count backwards from 100.It may take a lot of planning and changing of behavior to get to the point where you can do these things on a regular basis, but no matter how much you don't want to do some of these things, life can't continue for long with your not getting the sleep you need. Whatever you have been doing so far obviously isn't working. Try to do something to change your routine following these steps on how to relieve insomnia and you might just find yourself getting that every elusive full nights sleep. Title: 6 Steps To Goal Success With HypnosisWord Count:787Summary:Follow these six steps and use them with the power of hypnosis and you will be catapulted towards your goal faster than you can imagine.Keywords:hypnosis, self hypnosis, self improvement, self help, personal growth, personal development, goals, subconsciouArticle Body:Many people think of life as an obstacle course full of hurdles and ditches that need to be navigated successfully in order to be happy. In many ways they are right.If you are a very goal-orientated person then it is inevitable that you will encounter obstacles on your way to achievement and success. The bigger the goal the more set-backs there seem to be. These obstacles and set-backs can act as tests. They test your character and your resolve. Each barrier that is overcome and each challenge that is met head on develops your character, belief in yourself and strengthens your resolve to succeed not matter what.However, when the same obstacles keep showing up over and over again and failure seems to be a common occurrence it's time to re-evaluate your approach to your goals. These recurring problems are an indication of your inability to learn from the temporary failures you are experiencing. The conscious mind is obviously having trouble analysing the reasons behind the failures and keeps making the same mistakes.At this point some outside help is needed. Obviously you are unable to consciously work through the trouble you are having and it must be a subconscious block that is preventing you from learning your lesson and moving forward. In such situations hypnosis and self hypnosis can be of immense vale. Either Hypnosis or Self Hypnosis can most definitely be used successfully and effectively to get to the root of the problem and eliminate it forever.One extremely powerful benefit of using hypnosis is the ability to train your mind to stay focused on the successful attainment of your goal. You can program a specific outcome and retain the ability to consciously divert your attention to it in a positive, success-affirming manner. You can also eliminate self-sabotage and remove the negative feelings and thoughts that are blocking your path to success.Here are some tips for using hypnosis as a goal achievement tool.1. Visualize. Program yourself with your desired outcome. While under the influence of self hypnosis visually imagine that your goal is already accomplished and your objective has been reached. See it as real. See it through your own eyes and experience all the wonderful feelings associated with that goal attainment.2. Persistence. Get down into your subconscious mind and change your inner character traits to match those people who NEVER give up. Program your subconscious mind to be persistent regardless of what is going on in any given situation. Post hypnotic suggestions to develop an iron will and persistent approach to your goals will be invaluable in times of stress and disillusionment.3. Think Positive. Learn to think positively. The subconscious mind has a tendency to replay past memories and throw them back into consciousness in the form of doubts and fears. Through the use of self hypnosis you can totally eliminate them. Program your subconscious mind to think positively and expect positive results.4. Program out the Problem. Enevitably some problem will arise when you pursue worthwhile goals. Through hypnosis you can solve these problems fairly rapidly. While in trance see yourself successfully traversing the obstacle. You don't have to see how you did it, just see yourself at the other side, relieved, happy and proud that you "figured it out" and reached the other side. If this, in itself, is a probelm for you, or you find it hard to do then seek the advice of a qualified hypnotherapist. A competent hypnotherapist will find the root of your problem probably in the fits consultation!5. Pre-pave your path. Imagine yourself meeting the right people and being in the right place at the right time. Program your mind like this, through the power of hypnosis, and your subconscious mind will pick up on non-verbal clues, process the millions of bits of information you receive every second and guide you to the right course of action.6. Develop faith Use hypnosis to convince the subconscious mind that your goal is already a reality. "Fake it till you make it". Fool your subconscious mind into believing the "real" world is actually exactly like the world you have been visualizing. In the deeply relaxed state that hypnosis offers you can get fully involved in your mental image. Really feel how great it is to have already accomplished all those things you wanted for so long. Enjoy the fact that you are enjoying the benefits of having reached that goal.Follow these six steps and use them with the power of hypnosis and you will be catapulted towards your goal faster than you can imagine.Title: 6 Steps to Take before BankruptcyWord Count:612Summary:If you currently have unbearable debts and thinking of wipe it off from your statement by declaring bankruptcy; Just on-hold your decision for a while, there may be other options available. Read this article to get more information on how to improve your situation before you investigate the bankruptcy option.Keywords:bankruptcy, debt relief, debt free, grid rid of debt, alternative option, debt consolidationArticle Body:If you currently have unbearable debts and thinking of wipe it off from your statement by declaring bankruptcy; Just on-hold your decision for a while, there may be other options available. Try to improve your situation before you investigate the bankruptcy option. No matter which way you go, evaluate the 5 steps below to see if you could avoid taking that drastic step. 1. Detail out all your debts First, look at all your secured debts such as mortgage and car loan. How much are the repayment for each month? What are the interest rates? Then, list down all the fixed expenses such as power, phone, insurance, food, etc. What are the total costs for these expenses? Follow by examining your credit card debts. Take out all your credit card statement and write down the amount you owe for each card and their interest rate. Finally, write down all your other expandable; these are your optional expenses such as entertainment, gym, membership, dinners at restaurant and other impulsive purchase. 2. Eliminate the unnecessary expenses Now you should have a better idea on where your money goes; Make a diet plan on your cash; In your Cash Diet Plan, list down all the your savings from the elimination of the optional expenses. You will be surprise that how much money you can save by carefully control your expenses. The money you saved can be used to pay down your debts. 3. Get your family involve and work as a team Don't do it alone because under such as stress condition, you may out of control and may not think and plan in clear mind; get your family together and let them know your financial problem and have them to work together to control the household spending and eliminate the unnecessary expenses. 4. Cash out with your assets If you have equity, you are in a better situation because you could refinance or get a secured loan for pay off your debts. If you are looking for bankruptcy as your debt relief options, your may not have any equity in hand already. But equity is not the only asset; many people tend to forget that things that have cash value, but not sentimental value. Think antiques, old clothes or collectibles. List down all the assets you own which your can sell and cash out. Check the closets, garage and storage locker, she says, "and find out what you can live without". Then, cash them out through garage sales, eBay or consignment shops. Use the money to pay down your debts as much as possible. 5. Go for consumer counseling service Arrange an appointment with a credit counseling agency and let the counselor to understand your finance situation and draft a budget for you. Review the debt management plan proposed to you before your sign to enroll into the plan. You may get a few plans from other credit counseling agencies for comparison. Choose the one which best suit your current financial needs. Although a debt-management plan can have a negative impact on your credit, it's better than bankruptcy. 6. Get A second or part time job Utilize your out-of-work time on second or part time job. Although you may not earn much in your part time job, a little money coming in can keep a bad financial situation from getting worse. Summary Bankruptcy may be your easy way out from debts but the consequences may follow you for 7 to 10 years. Always look for other alternative before choose for this dramatic options.6 Ways On How To Avoid Facial Hair GrowthEveryone has hair all over their bodies, men and women. When it becomes a problem is when they get an excess of hair particularly on the face. How much body hair you have is largely a genetic factor. Some people will have more hair and it is dark and easy to see, while others won't have as much and/or it is light and not very easy to see. Whatever your situation, take heart, you can learn how to avoid facial hair growth.Getting rid of unwanted facial hair today is easier and has more options than in the past. There are many ways of getting rid of facial hair, you don't have to rely solely on a razor anymore. As a matter of fact, using a razor in some instances may not be the best thing to do at all. Here are some options you can use to have the silky smooth, hairless face you've always wanted:1. We'll start with the most obvious: shaving. This is the most temporary of solutions and has a lot of negative side effects, such as razor burn and rapid regrowth. For those two reasons, shaving is not the preferred hair removal method for women. 2. Using tweezers. This method is effective since it literally pulls the hair out by the root so it takes longer for the hair to grow back. But it is uncomfortable and it takes a very long time. Tweezing will work best on very small areas such as eyebrows, and stray chin or lip hairs. 3. Depilatory gels. These products are formulated to affect the hair shaft in such a way as to make it easy to remove. They tend to work well for most people, but they are made up of harsh chemicals which can be very irritating to the skin. Before you use one, you should test a small amount on an inconspicuous spot on your face to make sure you don't have a severe reaction. Only use a depilatory that is formulated for use on the face, and make sure to carefully read and follow all directions. 4. Waxing. This is the same basic technique as tweezing: you remove an area of hair literally from it's roots. The difference is that wax can be applied to a large area of skin and you can get a lot of hair removed in one fell swoop. There are many types of waxing products on the market, some work better than others, so you may want to experiment with a couple different brands to find the best one for you. As with the depilatory, make sure to use the wax on a small section of your skin to see if you have any adverse reactions to it before putting it on a large section of your skin. 5. Electrolysis. This is a permanent solution to unwanted hair. This method involves killing the hair by running an electrical current through the shaft. This method is extremely effective, but it can be time consuming and expensive. You will need several treatments since each hair follicle needs to be 'zapped' individually. 6. Laser. This treatment has to be done by someone who is licensed. It too can be time consuming and expensive, and it may not be permanent. Before choosing this option make sure you take the time to ask a lot of questions. There you have it, a complete list of the various methods for getting rid of unwanted facial hair as well as a few things to learn how to avoid facial hair growth in the first place. Take some time and learn more about each method, then find the one that is right for you.Title: 6 Ways To Overcome Shyness And Gain ConfidenceWord Count:603Summary:Many people have problems with shyness and confidence. Most of these problems can be overcome by applying easy to learn tips and ideas designed to overcome shyness. Here are 6 simple tips to overcome shyness and boost your self confidence.Keywordsnfidence, overcome shyness, shyness, gain confidenceArticle Body:Are you shy? Do you have difficulty coping with people or situations? Then I have good news for you. You do not have to suffer from shyness and you should not feel insecure and fear that you are being judged with every step you take. Winning the war with shyness takes practice, but is definitely well worth the effort as the result is increasing confidence and self esteem. Wake up feeling good about yourself, able to face the world with confidence and security and the knowing that no feeling of shyness can come in your way of achieving your desires.There are hundreds of books written on the subject of how beat shyness and gain confidence, but there are a few techniques that anyone can practice. Here are 6 suggestions of techniques on how to overcome your shyness:1. Every morning, as soon as you get up, get in front of a mirror and say out loud "I feel terrific! I feel terrific! I feel terrific!" Repeat this affirmation with enthusiasm at least ten times everyday until it's ingrained into your subconscious mind. If feel a little self conscious to begin with lock yourself in the bathroom. The results will amaze you.2. Feel good about yourself. Look your best. Dress up more often. This gives you an extra feeling of confidence and self esteem. On its own just knowing that you look good will boost your confidence and reinforce with others that there are things about you that are worth getting to know. 3. Take a risk at least once a day. It's very invigorating and conquering fears by taking risks helps you grow in confidence and self esteem. Start with small risks and fears and as you overcome them move onto bigger things. There's nothing you cannot do. Be confident in knowing that change can only help you grow, and boost your self confidence.4. When you are engaged in a one to one conversation, or with a larger group of people, let them know that you're shy. This prevents them from misreading you and they are far more likely to invite you into the conversation rather than leave you just listening and wishing you could contribute. Many people, me included, find following a conversation in a noisy room difficult. If you are having difficulty say so and move so that you can hear. People respect honesty, and vulnerability and you will attract more honest people into your life as a result.5. Rejection is a fact of life that everyone experiences. It is rarely you that is being rejected. If you are rejected, for example if you ask someone for a date, remember that everyone has different likes and dislikes. You may be attracted to one type of person and not others. The same applies to other people and you are probably just not their type. That does not devalue you in any way. Accept this and know that you will get over it. Never take it personally and keep in mind that if people reject you it is because of their own likes and dislikes and not because of who you are. You are equally entitled to reject others because of your likes and dislikes.6. Engage in an activities that make you feel excited and good about yourself or start a hobby that gives you a feeling of relaxation. This could be anything from gardening to Tai Chi to Karate. Take some lessons, learn or master a musical instrument or take singing lessons. Do something that excites you and take a risk. Exploring things that make you feel excited is a great antidote for shyness.7 Reasons Why The Need For Teambuilding At Your Offsite EventsYou will find that when you are trying to create a great event that will stand out from a crowd, you will want to make sure that you are using team building to make it happen. You want to use your friends and colleges to make sure that you are doing the very best that you can for your next event. You want to plan something that is so great and exciting that people will want to come back for more.If you are trying to build a great event at an offsite location, you will need to have a lot of help. You need to depend on others to give you the special help that you are looking for. This is one way to ensure that you are not going to miss something and mess up the evening. The following are the reasons why you need team players on your team.1. You want to make sure that you have trust worthy people helping you out on your next event so that you can make it a great success. You want to choose only people that you can really count on so that they are able to create the best party ever. You need them to be in charge of details that will help make your night a success.2. You will also want to have team building for your next off site event because you need to get as many people to help you with your needs as you can. This is very important because you want to have the best available help that you can in rder to get everything accomplished so that there is nothing left undone.3. You have to be able to work together with others on an event because you need to make things happen. When you are all on the same page and looking to make the day better, you will find it a lot easier to create the perfect event that will make the night shine. You want to make sure that everyone is getting along just perfectly so that the work is being done and no one is left out.4. Getting to have team players on your event team is important. You want to be able to trust everyone so that they can do their job and not have to worry about watching over them all the time. This is so important because you need to create the best event that you can as well as keep your close team together so that no one is getting upset.5. Make sure that you are able to communicate. When you have team players that do not communicate with each other, you will find that you can create chaos when it comes to an event. You need to be able to get the most from your team that you can so that no one is causing trouble and making it hard for others to make the night perfect.6. Getting help at an off site location is not always easy. You will want to make sure that you are doing the necessary background checks so that you can be sure that you have reliable and dependable people working for you. You do not want to have to worry about who you have on your team because it is important to keep trust and honesty there so that you are not double-checking everything that they are doing.7. You want to find someone that is going to be able to handle anything that is thrown his or her way. You need to find reliable people that can take on the pressures of anything that can go wrong when it comes to the event. You need them to be cool and calm and ready to take on challenges. You will find that once you have these people working for you and on your team, you can relax and stop worrying so much about what you have to do. You can feel good about your choice and know that you have done your best. 7-Step Guide To Building A Fast CarReadying the slot car for a race is, without a doubt, crucial to winning. Sometimes, it's all that separates one car from another in the race track in terms of performance. So how to you ready the car for a race? Here is a 7-step guide.InspectionThe first step is to inspect the entire car, the moving and non-moving components. Look the under garage and replace or enhance anything that can be changed. For example, if you know of a better-performing motor, replacing the existing motor of your slot car is a good idea. Check all car parts. Inspect how they fit with one another. If they're loose, tighten them. If they're very tight, loosen them up a bit. Take a mental note of all the parts and test drive the car. If it performs according to your expectations, you're done with inspection. If not, make some more adjustments.Motor Burn-InLike in any car, real or miniature, burning-in the motor is critical to the car's performance. Some drivers like to do it the conventional way – that is racing a few laps; some prefer to do it underwater. If you are leaning towards the latter, follow the steps below:First, remove the car's shell then attach the power source to the car's braids and submerge it underwater. You can use a bowl of distilled water for this. Run the car in the water for approximately 20 minutes while changing the voltage from lowest to the maximum speed the transformer could give. Hold the speed at slow, mid and high for about 5 minutes each. Now, for the final part, simulate the actual speed you run during an actual race. Drying and LubricationThe next step is to remove the water from every nook and cranny of the car then lubricating it. Use a spray lube on the motor, a door opener lube on the gears and light lube on the axles and bushings. Wheel and Tire TuningTruing the tire, a process that involves polishing the surface of the tire on sandpaper, is a process that shouldn’t be missed when fine tuning a slot car. Do this by first removing the tires from the rims and run these on 220 grit sandpaper. This should remove any burr that is created by the mold. Sand the cars down until the general profile becomes similar. For further polishing, use 220 to 800 grit sandpaper. You can see that they are ready for racing once they shine.Braid and Guide TuningInspect the guide and braids and remove them when you see that they need some polishing. The key here is to make these components as optimized for racing as possible by allowing them better contact with the groove on the track.Axle Polishing and Gear MeshingBefore fixing the axles and the gears, it is advisable to glue the motor in place to prevent it from moving while on the track. Once you're done with that, you can look to the car's axles and gears and see where improvements can be made.Now you're ready for the race. Put all the disassembled components of the car back in place and test-drive it. Learn how you can best control it by making further changes on its setting.Summertime PicnicsSummertime, kids, and picnics are meant to go together. Having a picnic doesn’t have to be reserved for a day out at the beach or park. Kids love to eat outside, especially if it means they don’t have to stop playing to come inside and get cleaned up. If you are going to have a picnic during an outing, be sure to practice food safety and have icepacks in with the food or cooler.Picnics can be as simple and easy as peanut butter and jam sandwiches with apples to as complicated as fried chicken and potato salad. It all depends on how much time you have and the preferences of those you will be serving. But whatever you make, let the kids help you prepare. If your little ones are active, you can prepare a picnic that consists of all finger foods. Let the kids come and go as they please have a snack here and there as they need it. Some easy finger foods for a picnic include:* Cheese and crackers* Vegetable sticks (carrots, tomatoes, and cucumber)* Ants and dirt (fill celery sticks with peanut butter and top with raisins)* Fruit * Deli meat* Hard boiled eggsEven if none of your children are in diapers anymore, having baby wipes or another wet wipe on hand after a picnic is necessary. They help with clean-up before and after eating. They also can do double-duty to clean off the picnic table at a park before you use it. Paper plates are practical but if you use them a lot they are an added expense – you can pick up a plastic picnic set that is easy to wash and can be used over and over throughout the summer.Not nice enough outside for a picnic? Who says you can’t have one indoors too!7 Things You Should Know Before Going to Buy a Kitten1. They are not unlike fast growing babies. They start off lying in your arms looking at peace with the world but before you know it they’re at the “toddler” stage and running up drapes and under rugs!2. They are fussy eaters. Even the smallest kitten will spit out everything it doesn’t believe to be the very best available – oh and “the best” is very subjective, it depends less on the price/brand and more on the cat’s likes and dislikes!3. Which brings us onto number 3, your kitten will grow into an opinionated cat with strong likes and dislikes. It won’t care if that’s your chair, your child’s bed, an antique sofa or fragile houseplant. If your cat likes it, it’s his! 4. If you have friends and family who don’t like – or even better, are allergic to – your kitten from a very young age will see these as their new best friend and insist on sitting on their lap!5. Don’t believe what your cat tries to make you think – it is possible to train a cat to do certain things. Just take potty training as an example, you can train a cat to use a litter box, so it follows a cat is capable of learning. Unfortunately an ability to learn does not automatically mean a willingness to learn, especially in a cat!6. A kitten will grow, and grow fast. Remember this as you think it’s cute to have that tiny ball of fluff curled up next to you on your pillow at night! Pretty soon that little kitten is going to take up all the pillow, and not be happy when it suddenly finds itself on the cold floor in a property fight over whose pillow it is!7. A kitten will quickly worm itself into your heart and stay there – so make sure you only take enough money to buy one or you could end up bringing two or three home because you couldn’t choose between two of them, and then the third one looked so lonely!7 Party Planning Tips for Building Your Party TimelineOne of the best things that you can have when you are planning a party or event of any size is a written party timeline and master shopping list. By making yourself a good solid timeline and comprehensive list for shopping, you can ensure that your party goes off without a hitch. Here are seven tips from professional party planners to get you on the right track in planning your shopping list and timeline:Tip #1 – No matter what the size of your event, if it is for children or adults, a wedding or a simple birthday party, you must have a master shopping list as well as a good timeline. Simply use a pen and paper and decide on how long things will take you to do and start filling in your timeline. And, while you are going through the process, this is the time to start a shopping list as well. Tip #3 – Before you can start to build your timeline and shopping list, first you must decide on where your party or event will be held and how many people you will be inviting. If you will be using an event location or a restaurant, you need to secure your space before moving along to do anything else. Tip #3 – Once you have secured your location for your party, then you can start to build your lists. To start building your timeline think about the things you will need to do before the party, such as send out your invitations. If you will be having them custom printed you will need to allow extra time for the printing before you can mail them out to your guests. Tip #4 – Now that you have your date and location secured, and you have ordered your invitations, if necessary, then it is time to think about what you will be doing at your party, what type of food and drinks will be on the menu, and how long you want the party to last. Dedicate a single sheet of paper just to your party day and list everything you will need to do, in order, by time. For example, preparing food before guests arrive would be at the top of the sheet of paper, while giving out party favors may be at the absolute bottom. Tip #5 – In addition to your timeline for the day of the party, you will also want to formulate a timeline for the two weeks or so leading up to the event. Here you will need to block out time for cleaning, shopping, decorating, etc…Tip #6 – As you do each of the steps above, you will start to develop a good timeline and a great shopping and supplies list of things which you will need. This will be a great help to you and can even help you to remember to pick up things that you might otherwise have forgotten. In addition, you will also start to see if there will be any conflicts in your timeline where you might need to move a few things around or enlist the help of others.Tip #7 – Once you have your lists generated then it is time to stick to them and make sure everything gets done. If you are finding that you have more work to do than time to do it in, it is perfectly acceptable to ask other people to help you with carious parts of the event. In fact, most people you will find would be happy to help you. If you will be hosting a party or event, the best thing you can possibly do for yourself is to follow these tips, and others you hear from friends, and develop yourself a good timeline and master shopping list. By writing things down, you will much more clearly see what you need to do and what you will have time to do yourself. PPPPPWord count 6607 Professional Party Planner Tips for Clearing and Cleaning After a Large MealIt is always fun to plan an elaborate party and see it come to life. However, in addition to the pre-work of the party, afterwards always comes the drudgery of the after meal clean-up, including clearing the table and washing up the dishes. Here are some professional party planning tips for dealing with your after meal clean-up and dish washing to help make your life a bit easier.Tip #1 – Devise a simple plan ahead of time on how you will deal with such issues as storing your leftover food items, dishwashing, and trash disposal. If you will be keeping leftover food items for your family to eat at a later time, then make sure you have enough of the right sized bowls and platters to store them on in your refrigerator. If you will be sending leftovers home with other people take the time to purchase some appropriate disposable containers which you can give to them and not have to worry about them being returned. For the dishwashing component, decide ahead of your meal which items can go in your dishwasher and which cannot. For your trash and recyclable items, have bags inside containers placed at strategic locations around your home. Assign someone to look at them from time to time and empty them when necessary. Tip #2 – One of the best things you can do to make your life easier post-meal is to start off with a clean kitchen and refrigerator. The day before your party take the time to clean out your refrigerator and remove all unnecessary clutter from your kitchen and countertops. By doing this you will be able to work on your counter tops and easily clean them. In addition, you will be able to simply open the refrigerator to store things without having to move things around to make room. Tip #3 – Another one of the best things you can do for yourself is to clean up your dishes and messes as you are preparing the meal itself. Your goal should be to sit down at the table with your guests, with as little waiting in the kitchen to be cleaned up as possible. By doing this, you can ensure that the only dishes which will have to dealt with are those which are sitting on your table.Tip #4 – Once your meal has concluded is the time where you should gather up all of the dishes from the table, scrape them, start soaking them in water while you continue to clear the table of leftovers, and then wash all of your dishes either in the dishwasher or by hand. While it is always very tempting to let the dishes sit until your guests have gone home, you will find the work is much easier if you do it right away at the conclusion of the meal. While you are clearing off the table gather up any leftovers and immediately put them into containers and into your refrigerator for safety. Tip #5 – It is polite for people to ask to help clean-up after the conclusion of a meal. Allow your friends and family to help you out. This will make your clean-up go much quicker and smoother. It will also allow you to get back to enjoying your company as soon as possible. Tip #6 – Your party day is not the time to deal too much with what goes in your dishwasher and what you hand wash. Things which are dishwasher safe should go in the dishwasher, and when it is completely full that is the time you should start hand washing what is left. Hand washing while everything is soaking makes it a very easy task, and your hand washed dishes can then rest on a drying rack while you get back to your party and guests. Tip #7 – If you find a pot which is very miserable to wash and doesn’t want to come clean, let it soak overnight with a solution of baking soda and dish soap. This will allow it to be easily cleaned the next morning. While clearing the table and washing dishes is never the most fun part of a party, it can be relatively simple and pain free when you incorporate the tips above. PPPPPWord Count 719Title: 7 Common Refinancing Mistakes to AvoidWord Count:361Summary:Whenever interest rates drop, a refinancing frenzy naturally follows. Whether you're looking to trim your mortgage payments, eliminate credit-card debt or pay off your car loan, experts say you should fully understand all of the options available to you before deciding to refinance.Keywords:7 Common Refinancing Mistakes to AvoidArticle Body:Whenever interest rates drop, a refinancing frenzy naturally follows. Whether you're looking to trim your mortgage payments, eliminate credit-card debt or pay off your car loan, experts say you should fully understand all of the options available to you before deciding to refinance. The 2007 Chevrolet Tahoe is one of the first creations of General Motors as per new full size sport utility vehicles. The interior layout of this vehicle is quite symmetrical and very engaging. It also incorporates a build quality that is vastly superior to any other previous vehicles crafted by the company. The vehicle had dropped off the hard plastic trim framing controls and put in its place modern and cohesive construction that provides and exudes a more European look. The new interior holds beautiful import materials thus providing a premium-touch surface and a tasteful element in styling. As per noise, this hubbub from the road and the wind is well hidden and kept away from its passengers. It holds the capacity to absorb persistent surface degradation. The whole vehicle is very rattle-free. 5. Passing the Department of Transport Driving Test, sooner rather than later, will result in further reductions in already high Insurance costs. Lessons taken just before the Driving Test will not cut it in today’s Test environment; there is just too much to learn if one wants to be successful first time out. |schudnąć 5 kg w dwa tygodnie dieta odchudzanie motywacja gÅ‚odówka dzieÅ„ 5 dieta aby schudnąć w tydzieÅ„ http://world.suplementynaaodchudzaniee.pl If you therefore miss a loan payment on your boat or car, but still pay the payments due on your cards, you can find that your credit card interest charges jump to 2 or 3 times the original rate. In the last installment of this series I covered "Article Directories". Tips on What Color is Right for Your vehicle and Storage Needs It's important to be aware of the warning signs that your vehicle's shocks or struts may need to be replaced. I asked her what she would like to see her career in a few years. I asked her where she'd like to see her life in a few years. 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  http://thinker.fabrykasylwetki.pl zioÅ‚a w tabletkach na odchudzanie odchudzanie przepis miód imbir cytryna jak dobrze schudnac forum odchudzanie brzucha po ciąży Minimize Your Swing Thoughts Eat According to your metabolic type, "the metabolic typing diet" -- Instantly decide on a course of action for your ailing pet - so you can ease pain and start treatment immediately. |bezpieczne tabletki na odchudzanie forum dieta schudnac 5 kg skuteczny preparat na odchudzanie forum odchudzanie systemu windows 7 http://thinker.fabrykasylwetki.pl * The vehicle bounces or slides sideways on a winding, rough road. • Copy of deed to property. It really doesn't take a lot of rocket science to get through the shell of hard core customers. These 3 tips will get you off to a good start.4 Essential Tips To Become A Winner In Slot Car RacingIt would be a waste if a top-grade slot car is not properly cared for. In the sport of slot car racing, proper maintenance and effective improvisation almost always determine the victor. And if you're serious about being competitive in slot car racing, it'd do you well to heed the tips that are going to be discussed in this article.1. Keep Your Slot Car CleanSlot cars can accumulate dust and dirt in its nooks and crannies, which can cause congestion on the wheel hubs, axles, and pick up shoes. If not properly cleaned, these components will have a hard time to rotate freely.What you should do is remove the body and make sure that the chassis is clean. The moving parts amount to tires, gears, axles, springs and motors. Rotate them and determine if they can move without difficulty. In case there are parts that are worn out, replacing them is the smarter thing to do. As long as all these components are working properly, the slot car will perform better and last longer. 2. Apply LubricationCleaning is simply not enough. Even a clean car will have difficulties in maintaining a solid run if friction is left alone to do its nasty work. To avoid this problem, make sure to lubricate the slot car chassis and the motor. A small drop of oil on each of the chassis axle bearings is a good insurance policy as far as keeping the axles spinning without any interruptions is concerned. Do the same procedure for the front and rear end bells to make sure that the armatures can spin without difficulty. Remember, a small drop on each component will do; otherwise, the operation could become messy. 3. Stick to One CarYou have to choose a slot car that works for you. In case you have a lot of slot cars to choose from, do a test drive on each one and choose the one you can handle best. If you think that some tweaks have to be made, feel free to do so and do a test run again. 4. Practice Makes PerfectOnce you're finished choosing your "baby", you need to do regular drills in order for you to have a better "feel" for all the little but important nuances that are involved in handling the slot car. Believe it or not, each slot car is unique. And funny as it may sound, each one seems to develop its own set of characteristics. So treat your slot car like a prizefighter. Do a test drive for a few hours each day. Try different types of tracks. If you spot a weakness, do the necessary adjustments and then give it another try. With plenty of time, you can spot subtleties more effectively and know exactly what you need to do with each one. These are the basic guidelines to ensure that you and your slot car remain competitive in the slot car racing arena. Slot cars are curious things, but if you are familiar with all the little things, you are well on your way to making it big in the sport of slot car racing.4 Reasons Why Some People Aren't Crazy About iPadMany waited in line for the release of Apple's 'revolutionary' tablet PC, the iPad. But many, too, shrugged their shoulders with indifference and dissatisfaction over the fact that this almighty device would not deliver on its promise. Well, these two opposing views clearly show how polarized people are with iPad. Let us take a look at a few things that make iPad a not-so-hot item for some. iPad 2.0 will be available soon, so why bother?This is a big issue. The currently released iPad is a big disappointment for many and that doesn’t help much with Apple's efforts to make its newest tablet PC a big hit. Whether the disappointments of the general public – techies, mostly – are justified or not, it still hurts Apple's sales. It still, in many ways, discouraged quite a huge number of people from buying the product. But on top of this issue is the expectation that Apple will release a new, upgraded version soon. (Maybe this time, iPad will come with a built-in camera.) People would rather wait for the upgraded version, which many expect will offer a substantially improved version of its predecessor. Following this line of thinking, people would rather wait for one full year or two than dole out their more than $500 on a device that will soon be replaced. It doesn’t support Flash.Ok, big deal. Apple seems to have a thing for Adobe's Flash, a standard on the web. Flash is what most websites and rich media are built with. It's the program that runs videos, audios and games that have saturated the online world. But Apple seem not to like it. The company prefers a more stable, less vulnerable to hack platform. It prefers its own HTML5. It only makes perfect sense that all Apple's products – iPad included – runs on this platform and not on Flash. What most people don’t quite get though is that nearly all websites on the internet use Adobe Flash. For the end users, this means that when visiting websites using iPad's browser, Safari – glorious and beautiful as it is – there would still be some problems that may be encountered. Big problems. No Hulu and HBO for now, buddy. No built-in camera. Na ah.Before Steve Jobs formally presented iPad to the public, everyone thought it's a no-brainer that Apple will attach a camera to the device. Apparently, iPad doesn’t carry one and there seems to be no clear indication that iPad 2.0 will have one. For now, iPad can’t be used for taking snapshots of yourself or for making video calls over Skype or YM. You only get to multitask when running Apple's native applications.iPad runs on iPhone's OS, fine. What is not okay though is that the same limitations on iPhone are experienced with the iPad. Say goodbye to multitasking. If you are a regular user and if you see iPad as nothing more than a sophisticated, multifunctioning multimedia player/toy/laptop hybrid, it won't be much of a problem. But if you live your life online, you'll be stumped. There is no way you can listen to iTunes while making a video call using Skype. Scavenger HuntsA scavenger hunt is a fun way to keep little hands busy. It can be pre-planned or spur of the moment, either way it will still be great fun. This is a great activity for children of all ages, for younger children make it simple and tell them exactly what they are looking for. If you are playing with older children, give them hints and see if they can guess and find what they are supposed to be looking for.The best type of scavenger hunt is a nature one that can be played in your backyard or in the park. This will lessen the chances of children picking up garbage and having to leave your supervision to do their hunting. A good rule of thumb for nature scavenger hunts is to incorporate a lesson for the kids and have them find items already on the ground so they can be gentle to nature. Some examples of nature scavenger hunt items are:* A special color or shaped leaf* A flower – specify color or type* Rocks – size, shape, or color* Ladybug, ant, or a worm* Moss* Pinecone* Anything of a certain colorWith some pre-planning and a trip to the dollar store you can have a scavenger hunt with any theme you can think of. Turn it into a secret agent mission and hide clues that they have to find or make it a treasure hunt and hide chocolate gold coins that they have to hunt for. This is an activity that can take at least an hour or more. If you have older children and know your neighbors quite well, you can include items that they can knock on doors to find – a penny from a certain year, a cinnamon stick, an unmatched sock – have fun with it.4 Easy Ways to Spice Up Things in the BedroomAre you in a relationship that seems as if it is stalled in the bedroom? If so, your first thought may be to terminate the relationship. But, what if your relationship is long-term? What if you are married? What if you really do love your partner? What steps should you take then?When it comes to being unhappy in the bedroom, it is important to know that ending a marriage or a relationship should only be used as a last approach. Instead, you will want to take steps to spice things up. Doing so may improve more than just your intimacy, but it may do wonders for your relationship in general.As nice as it is to hear that you can and should spice things up and in the bedroom, you may be unsure as to how you should proceed. If that is the case, please continue reading on. Below, four easy ways that you can spice things up in the bedroom, are covered.1 – Engage in ForeplayWhen you do have sex, what happens? Do you and your partner get right down to business? If you do, that may be a huge problem. Unfortunately, many couples do not realize that intimacy is more than just about having sex. It is also about having a happy and healthy relationship. If you rely on sex to make your relationship succeed, there is a very good chance that it will actually fail.If you and your partner don’t already engage in foreplay, start doing so. Also, remember that foreplay doesn’t have to start in the bedroom. Call your lover, send a text message, or a handwritten note expressing your desires to get intimate with them later on.2 – Be SpontaneousWhen you want to have sex, what do you do? If you actually take the time to ask your partner if they want to be intimate with you, you may be doing more harm than good. Asking first can make being intimate seem more like a chore than something that should bring you pleasure. The next time that you want to move to the bedroom, don’t ask first. Just lead your partner there. In fact, who needs a bedroom?Know that being spontaneous is about more than not talking about sex first. Ways that you can be spontaneous with your partner is to have sex at a different time, date, or place. 3 – Talk About Your FantasiesOne of the biggest reasons why couples have problems with sex is because one person isn’t having their desires fulfilled. If that is the case with you? Does your partner know what you like or what you want to get out of being intimate? If not, it is time for you to let them know.Be sure to talk to your partner about your sexual fantasies and desires. What would you like to try in the bedroom? In addition to expressing your wants, needs, and darkest fantasies, be sure to let your partner do the same. Remember that both of you should walk away from an intimate encounter pleased.4 – Experiment in the BedroomAnother one of the easy ways that you can spice up things in the bedroom is by experimenting. When doing so, you may be pleased with all of your options. For starters, you can try a new sex position. This may not only lead to extra pleasure, but fun and excitement. Sex toys, romantic or pornographic videos, and role playing are other good ideas for experimenting in the bedroom.Remember that experimenting in the bedroom is a good way to spice up your intimacy, but be sure to use your best judgment. It may be a wise decision to first discuss making changes with your partner, as you will not want to make him or her feel uncomfortable.So there you have it! You know have a few ideas on how you can go about spicing up things in the bedroom. So what are you waiting for? Get started today.PPPPPWord Count 669Kite Surfing 101 - A New Sport To Try OutKite surfing is a new surface water sport you can try out if you're looking for a safe way to surf without exposing yourself to huge waves. Many consider kite surfing to be an extreme sport but if you really look at the basics, you will see that it is practically the safest among the rest. Let's look into how this new hobby can give you the best time of your holiday escapades.FactsAs the name implies, kite surfing is surfing using a kite to help you skim through the surface of the water. This is also called as "wave riding" by some but it is more common to call it as kite surfing. A controllable kite is used to propel you through the water and you can easily let go if you think that you're going too fast or losing control over your footing. Due to these safety precautions, many consider this method of surfing as the safest for holiday goers looking for extra thrill without the risk.GearsYou don’t need high-end gears to enjoy this sport. First of all, you need a kite to help catch the wind and propel you through the surface of the water. You can either go for inflatable kites or you can use foil kites for this hobby. A kiteboard is also used in contrast to the traditional surfboards used by most surfers. You can opt for those with a foot strap to keep your board in place -- recommended for beginners. Also, since you will be constantly exposed to moderate to strong winds for a successful kite surfing experience, it is important that you wear a wet suit to keep your body temperature in normal range.As a safety precaution, it is normal to carry a knife with you during wind surfing. If you think that you're going out of control and you think that your kite is dragging you off the water then you can just cut the lines instead of just unhooking the straps connecting you to it. Other equipments, though deemed optional, are helmets, floatation device, an impact vest, and a GPS for those who plan to surf far from the shore.Safety PrecautionsAside from the gears you will be using for kite surfing, certain safety precautions are necessary to avoid putting your life in danger. For example, kite surfing rentals often require surfers to undergo a training regime or a refresher course before attempting to kite surf. If you're a beginner then it is best to have a guide accompany you during surfing or make sure that you're near the shore in case you need to call for help.It is also a good idea to consider the location where you plan to kite surf. You need an open body of water without any risk of hitting solid objects, like a sand bar, reef, or loose rocks since you can easily get out of control when you're under the throes of strong winds. Also, if you think that you're starting to leave the water as your kite is exposed to strong winds then it is better to cut the lines before you get too high up. 4 Secrets to Article MarketingLet’s say you started up your own business. The only way for the business to succeed rather than fail is for you to promote it. You can do this by paying for advertisements or get the same attention for free through article marketing. To help you get started, here are 3 secrets. 1. First, you must come up with a catchy title to promote your business. Ever heard the line, “Curiosity killed the cat”, in this case no one is going to get hurt. But could you just imagine what would happen if people would like to know more about the article just by reading the title? It would also be helpful if you use keywords so people who type it will see your article. At the same time, you can mention the benefits of what reading your articles can do for them. 2. Second, make sure that your article is well organized. Instead of just writing your article paragraph by paragraph, maximize the use bullets or numbers to stress important points. This will make their reading experience a memorable one because they are able to remember it. 3. Third, your articles have to be informative and not just impress the reader. You can do so by using simple words instead of using big ones by putting this in a way that the average person can understand. You may have had an experience at the hospital where the doctor told you of your condition using some medical term that sounds serious but in English simply means you have a stomach ache. Once you finish writing the article, read it over and see if you understand it. Better yet, give this to someone and see what they say. If there are some concerns, edit it because although you may be an expert in this matter, your readers may not and the reason why they want to read it is to learn more about what you have to offer.Don’t forget to check on your article to see if there is anything new you would like to add. This is where variety comes in as there are different ways of stressing a point when the bottom line is that you want people to visit your site. You can get new information by joining and posting in online forums and blogs. Some even put snippets in their articles. You should add something daily and don’t forget to put a link to your site. 4. Lastly, each article has an article summary. Most websites require this so in just 3 or 5 sentences, get down to it and say what your article is all about and why should they spend their time reading the entire thing. If you don’t put any effort here, you may have already lost the opportunity to make it look interesting for the reader to find out more. Promoting your site thought article marketing is very easy. You just have to follow the 4 secrets mentioned and then use this to your advantage. Again, you need to have a catchy title, make sure it is well organized and informative so people will be encouraged to visit your site.If done properly, you will undoubtedly get more traffic which is what this form of advertising is all about. 4 Secrets To Finding The Right Beginner Yoga Class For You When you are new to Yoga you are probably going to be uncertain as to what to expect when you first enter a beginner Yoga Class on your first day. Most people are uncertain about what they should even be looking for in a beginner Yoga class, so this article will let you in on the four secrets to finding the right class for you.Secret Number One: Decide on what you want to achieve before choosing a style. The number of different reasons for taking up Yoga is usually at least as high as the number of new people in a Yoga class. Broadly people will be looking for one of three things - physical health, mental health or spiritual health. All three are important and all three are realistic goals in a Yoga class. Whatever it is you are trying to achieve through Yoga there will be a class and style that is suitable for you. You can research in a library, online or even by asking various Yogi and this will hep you find the Yoga that will get the best result for you. It's worth actually setting some solid goals and many newcomers are surprised at how willing a Yoga instructor is to talk over these goals with them and discuss whether they are realistic or an alternative may be better suited.Secret Number Two: Join a class-by-class program These are sometimes referred to as drop in classes, or pay as you go. These are a good way of getting a feel for Yoga. There will be a regular turnover of other students in the classes and the contrasting level will mean the instructor will keep the classes at a relatively mild level and give everyone a taste of many different aspects of Yoga. The advantage of this method is of course that you are not committed to an expensive series of classes and you can get a taster for Yoga and see what types of Yoga interest you. You will also quickly learn whether the goals you set earlier are realistic for you, or even too low and need expanding upon. Your next step will be to choose a series of classes in the areas that you found most suitable from the drop in classes. These classes will build on each other from week to week and you may find yourself behind if you miss a week.Secret Number Three: Ensure that you are being taught by someone who knows what they are doing.Surprisingly enough considering the relatively low intensity and the many physical benefits, Yoga has begun to regularly show up on the statistics for sports injuries. Two key causes are identified. Firstly students pushing themselves too fast too soon, and secondly instructors with inadequate training or appreciation of the individual level of their students(large classes are sometimes to blame for this). When you are considering a new class don't be embarrassed to ask your Yoga instructor what their qualifications and background are. Many 'instructors have nothing more than a three day training course in 'gym yoga' and many people put this in the 'enough knowledge to be dangerous category'. Traditionally a student would train for many years under a guru before they would be considered fit to pass on even the simplest of Yoga techniques to another novice. The Yoga Alliance is a United States organisation that features a register of teaches who have completed 'appropriate' training. This means having completed courses that meet a certain standard. A nice rule to work by is that less than 200 hours of instruction would mean a part time Yoga education. Secret Number Four: Be aware of hidden costs.An unpleasant surprise that can put people right off Yoga is turning up to the first class and finding that there are expenses that they haven't allowed for. Some studio's require each student to have their own mat, a special strap or other props. Some classes will work through a book which you are obliged to buy and some classes will have a dress code ranging from specific colours to specific articles of clothing. Being unaware of any of these things and being refused your first class because of them can be very off-putting.PPPPPWord count 7184 Ways to Improve Your Intimacy with Your WifeAre you married? If so, you likely love your wife, right? Despite a deep and intense love for your wife, you may still want to see an improvement in your intimacy. After all, what man doesn’t want good sex? If you want to improve your intimacy with your wife, it is important to know that you have a number of different options. Unfortunately, many men automatically start think of the bedroom. Yes, you do want to “wow,” your wife in the bedroom, but that is not all that sex and intimacy is about. In fact, that is where many marriages go wrong. Too much focus is placed on the sex or the lack of it. To help you properly improve your intimacy with your wife, please continue reading on. A few easy to implement, yet successful approaches are highlighted below for your convenience.1 – Date HerHow long have you been married? If you have been married for a number of years now, do you honestly remember when your last “real,” date was. Unfortunately, many men underestimate the power of a date. You will not want to make this mistake. If you opt just for the sex, your wife may start to feel like it is her responsibility to please you and this is not how a relationship should work.To not only improve your satisfaction in the bed, but to improve your wife’s satisfaction, take her out on a date. Many times, getting out of the house is enough to bring new excitement into a relationship. For the best level of success, choose a romantic date theme, such as a fancy dinner, a romantic movie, or a night at a nice hotel.2 – Compliment HerWhen is the last time that you have paid your wife a truly nice and unique compliment? If it has been a while, it is time for you to start again. Is your wife wearing a new outfit? Has she recently started a weight loss plan? Did your wife get her hair cut? If so, be sure to compliment her. Complimenting your wife on her appearance will increase her self-confidence. This, in turn, can improve experiences in the bedroom.As important as it is to compliment your wife on her appearance, it is also important to remember to compliment her on other areas of your relationship. Do you notice that the house is clean? Has your wife prepared a nice dinner? If so, thank her for the job well done. This will not only help to improve your relationship in general, but it can have an impact on your experiences in the bedroom.3 – Seduce HerWhat is sex like in your home? Does it occur like clockwork? Do you actually take the time to ask your wife if she wants to have sex? If so, try to refrain from doing so. Yes, you may be rejected, due to a headache or being tired, but why not take the chance? Be spontaneous. Seduce your wife. Make her want to have sex with you.4 – Fulfill Her FantasiesIn keeping with seducing your wife, let her know that you want to fulfill her fantasies. It may take your wife a few times to open up about what she likes or fantasizes about sexually, but the information will likely come out soon. Give it your all to fulfill your wife’s sexual fantasies. It is also important to note that afterwards is the perfect time to share your fantasies and sexual desires with your wife. In end, you may all end up being much more pleased.As you can see, there are a number of different ways that you can go about improving the intimacy in your relationship. Please remember, however, that you want to get started in someplace other than the bedroom. Sex in a marriage is about more and should be more than just the act itself. Taking the time to date and compliment your wife will more than pay off in the end.PPPPPWord Count 659Become a Summer TouristThere are many activities in or around your city that you probably know all the tourists go to, but when was the last time you went? Just because you have been there many times before along with your children doesn’t mean they wouldn’t love to go again (and again and again).Take a few days during the summer break to visit attractions and destinations that you haven’t been to in awhile. If you know that the place is going to be crowded on the weekend or in the afternoons go on a weekday morning. The added benefit of being a local and going to a tourist destination is that you know the ins and outs and the tricks to get the most out of your day.Water parks are always popular and tend to fill up around and after lunch time. Try and go when the park first opens to beat the crowds. If you leave before lunch time, you can save money by eating at home and get out of the hot midday sun.Going to your local zoo is an all day event. Pack a picnic lunch and if you aren’t able to bring it into the park get a hand stamp and leave for awhile to eat. Consider buying a season’s pass too. Most times a pass will pay for itself in less than three visits. If you don’t want to spend all day at the zoo, break it up into 2-3 hour chunks and keep coming back.Go to your local visitor’s center and pick up the free brochures that are available there. You might find some excursions you didn’t know about or had forgotten existed. The staff at the visitor’s center usually have coupons for free or discounted admission too. Take advantage of your local resources.40 Year Mortgage A New Option For A New EraThe 40 year mortgage makes monthly home payments more affordable, especially in areas where the real estate prices have skyrocketed. It is an attractive tool for homeowners who might otherwise be priced out of the housing market entirely.In order to understand the 40 year mortgage, we have to look at the history in which the concept came about.The “standard” 30 year fixed rate mortgage was developed in the 1930s. In 1935, the average home cost $3450 and the average salary was $1600. That means, the average home cost just over two years’ salary.Fast forward to today. In 2005, the median home price in California was $524,000 while the average salary in that state was $43,000. As you can see, homes now cost ten times annual salary. This makes spreading the payments out over a 40 year mortgage quite attractive.Another difference was that in the 1930s, people bought homes that they would live in until they died and then pass down to their children. Today, people live in a purchased home for just 8 to 10 years on average.All of this makes the lower payment 40 year mortgage an attractive option for people whose home purchase is a temporary investment. A 40 year mortgage may offer you a lower monthly payment. You may also be able to obtain a secure, fixed rate. But these mortgages typically have a balloon payment at the end of thirty years. AT that time, you have to refinance the loan or pay off the remaining balance.A 40 year mortgage has lower payments than the 30 year fixed mortgage because it stretches out the amortization schedule over a longer period. The loan is actually only for 30 years, but is amortized over 40 years, thus the balloon payment.An alternative to the 40 year mortgage is the interest only loan as it offers a similar low payment schedule. In some ways, the 40 year mortgage is more attractive though, because it allows you to build at least some equity in the home.Both the 40 year loan and the interest only loan allow you to purchase a more expensive home than you can afford with the same amount of cash. A $200,000 home would be $100 per month cheaper with a 40 year mortgage than it would be with a 30 year fixed rate mortgage.The people who will benefit most from 40 year mortgage plans are those who don’t plan on moving from their home during the mortgage period. If you do move, you risk leaving the home during a downturn in the market which puts your entire investment at risk.It made a lot more sense to take out 40 year loans when it looked like the housing market would continue to rise from year to year. In a depressed market, you need to be sure that you will be in the home for a long time before you take out a 40 year mortgage.Movie DayIts summer time and you don’t want the kids cooped up in the house in front of the television set. But a day here and there is not going to hurt and it could be a sanity saver for you on a wet and cold day.Make it a planned event. Go to the video store and let each child pick out their own video. Make sure the ground rule is set. They can pick out their own videos but have to agree to watch what the other children pick out too. Make sure to pick up some popcorn if you don’t already have some at home.Set the mood; let the kids create their own movie theatre in the living room. Their movie theater can take the form of a fort, lawn chairs, or whatever else they can think up to make themselves comfortable for the movie marathon.As the parent you will have to be in charge of the concession stand. Popcorn is a given but also have some healthy snacks on hand to satiate their appetites. Vegetable sticks and sandwiches are easy to make and if you are letting them eat in front of the television they won’t make a big mess.When children are in front of the TV for extending periods of time their energy gets pent up and they are going to need a way to release it. Come in between movies and have a stretch or exercise burst to shake away the sillies. It can be just like the 9th inning stretch at baseball games. Play follow the leader in the house or do jumping jacks – make it fun.When the rain stops, send the kids outside. You will find they won’t ask for TV as often with a few of these days thrown in each month.It’s a CircusThe idea of a circus can make a child’s eyes light up. If there isn’t one coming to your town or city this summer help the kids put on one of their own. You can be the ring master and invite over friends and family to watch the finished production.Depending on how many children are participating some kids may have to perform in more than one act. Find out what each child wants to be and try to find a way to include all of their talents.Older children may like to take on the challenge of learning how to juggle before the big show. So now one gets hurt (including the audience) use tissues or kerchiefs for a beginning juggler.An acrobat can use a log or long piece of 2 X 4 to showcase their balancing skills as they cross the high wire – with no net. This might be a popular one, let all the practicing acrobats participate.If your family owns a well-trained dog, recruit the family pet to be a lion and have one of the kids be a lion-tamer. If there are no animals to use for this, convince one of the children that they can be the lion. You can’t have a circus without a lion and a lion tamer.Another popular act at the circus is the clowns. Let your clowns dress up and create their act by themselves so it is a surprise for everyone. As the ringmaster, try and be as authentic as possible and introduce each performer as grandiosely as possible. You will know you are doing a good job by the number of giggle you elicit as you announce the children’s names. Don’t forget the popcorn and peanuts for the audience to munch on as they watch the show.Make a Wind ChimeThe sound of a wind time in the summer breeze is very relaxing and making one can occupy the children for an afternoon. The materials you will need are items that will make a pretty sound when they rub against each other (shells, beads, or even old utensils), something sharp to poke a hole through each item, a hammer, string, a round item (a lid or piece of wood) for the top, and a hook to hang the wind chime.Once all the items are collected the adult should use the hammer and sharp object (such as a screwdriver) to make a hole in each object. If the item is too hard to make a hole in (like a rock) tie string around it several times until it is secured. After the holes are made tie a piece of string to each item.Take your tools again and punch holes in the round lid that you are going to use, one for each item that will be hanging from the wind chime. Thread the string through the hole and tie a knot so that it will not fall back through. Poke two more holes in the lid and tie one piece of string through both holes and attach the hook. All that is left is to find the perfect spot for your wind chime. Place it close enough so that it can be heard through an open window on a breezy day. If the items do not knock against each other when the wind blows you may have to adjust the lengths of the string a few times until you get it just right. Keep an eye on the wind chime to make sure it doesn’t loose any of the pieces. If it does be sure to pick them up as they can pose a choking hazard to young children.Making Musical InstrumentsSpend a summer day making musical instruments with the children it is lots of noisy fun. Once everyone is equipped with their homemade instrument go on parade through your neighborhood to show off you new marching band.Make a tambourine with two paper plates and something that makes noise to go between them. You can use beans, rice, or small bells from a craft store. Use staples to keep the two plates together with the noise makers inside. Have the child decorate the outside and hang long streamers from the edges.You can make a drum with a large empty cereal box. Punch two holes in the sides of the cereal box and tie a piece of yarn to go around the child’s neck. Use two pencils or wooden dowels with corks or empty thread spools affixed to the ends for drum sticks.Use a wrapping paper or paper towel cardboard tube to make a horn. This can be used just as is and some decoration. To make it sound more interesting, cover one end with was paper and keep it in place with a rubber band. Poke some holes along the tube and make noise through the open end.Use a shoebox, a paper towel roll and some strong rubber bands to make a guitar to take on the road. With the cover off of the box, put the rubber bands around the box. The bands should be stretched but not too taught that they can’t be plucked or strummed like a guitar. Glue the paper towel roll to one end of the box to be the arm of the guitar.After everyone has made their musical instruments let them jam for awhile and then march about sharing their music with everyone. You can carry the baton and be the band leader.Build your own SandboxKids of all ages love to play in the sand. It can be a construction site, made into a sand castle or add water for a muddy mess. It is easy and inexpensive to build a sandbox in your own back yard to enjoy for the entire summer.When you are deciding where to put your sandbox try and find a location that gets a lot of shade throughout the day. When the sun is hot, and the kids still want to be outside this will be a great activity for them if it is out of the sun.All you will need are four boards, a weed barrier for the bottom, a tarp or piece of plywood for covering and the sand. Nail the four boards together into a square shape and then take the weed barrier and affix with a staple gun. If you do not want to use a weed blocker or barrier, you can nail a piece of plywood to the bottom of the frame you made but this will require measurements and a bit more planning. Then add your sand. The cover is a nice touch to keep out rain and unwanted animals such as cats digging in the sandbox. But it is not a necessity. Now relax as the children spend hours creating cities and other imaginative buildings in their very own sandbox.If you do not have enough pails and shovels or other sand toys available for all the children, raid the recycling box and re-use old plastic containers to fill and pour sand with. If the children want the sand to stay together like it does in at the beach you can give them some water to play with. The sand will dry and if you use the weed barrier it will allow water to drain out of the sandbox.What is acid test ratio and ROA ratio?Investors calculate the acid test ratio, also known as the quick ratio or the pounce ratio. This ratio excludes inventory and prepaid expenses, which the current ratio includes, and it limits assets to cash and items that the business can quickly convert to cash. This limited category of assets is known as quick or liquid assets. The acid-text ratio is calculated by dividing the liquid assets by the total current liabilities. This ratio is also known as the pounce ratio to emphasize that you're calculating for a worst-case scenario, where the business's creditors could pounce on the business and demand quick payment of the business's liabilities. Short term creditors do not have the right to demand immediate payment, except in unusual circumstances. This ratio is a conservative way to look at a business's capability to pay its short-term liabilities.One factor that affects the bottom-line profitability of a business is whether it uses debt to its advantage. A business may realize a financial leverage gain, meaning it earns more profit on the money it has borrowed than the interest paid for the use of the borrowed money. A good part of a business's net income for the year may be due to financial leverage. The ROA ratio is determined by dividing the earnings before interest and income tax (EBIT) by the net operating assets. An investor compares the ROA with the interest rate at which the corporation borrowed money. If a business's ROA is 14 percent and the interest rate on its debt is 8 percent, the business's net gain on its capital is 6 percent more than what it's paying in interest. ROA is a useful ratio for interpreting profit performance, aside from determining financial gain or loss. ROA is called a capital utilization test that measures how profit before interest and income tax was earned on the total capital employed by the business.What are independent auditors?Indpendent CPA auditors are like referees in the financial reporting arena. The CPA comes in, does an audit of the business's accounting system and methods and gives a report that is attached to the company's financial statements. Publicly owned businesses are required to have their annual financial reports audited by independent CPA firms and any privately owned businesses have audits done as well because they know that an audit report will add credibility to their financial reports.An auditor judges whether the business's accounting methods are in accordance with generally accepted accounting principles (GAAP). Generally everything is in place and the financial report is a reliable document. But at times an auditor will wave a yellow or red flag. Some indicators of potential trouble include when the business's capability to continue normal operations is in doubt because of what are known as financial exigencies, which could mean a low cash balance, unpaid overdue liabilities, or major lawsuits that the business doesn't have the cash to cover.An auditor must exercise professional skepticism, meaning the auditor should challenge the accounting methods and reporting practices of the client in order to make sure that its financial statement conform with accounting standards and are not misleading - in short, that the financial statement are fairly presented. Indeed, the words "fairly presented" are the exact words used in the auditor's report.A good auditor need technical know-how, but also needs to know how to be tough on the accounting methods of the client. His job is to be the agent of the shareholders and other users of the business's financial report. It's incumbent on an auditor to strictly uphold GAAP, and not let any irregularities slide. There are a number of well-known companies that engaged in accounting fraud recently and that fraud was not discovered by the CPA auditors. Enron is one of these companies. In this case, the auditing firm, Arthur Anderson was found guilty of obstruction of justice because it destroyed audit evidence.What do you Feel?With this activity, your children are going to be using their sense of feel to figure out what different objects are when they are blindfolded. You can create different themes to play this game (items from nature or the kitchen) or mix things up for a game that is a bit harder.All you need for this activity is a blindfold and many different objects that are different shapes, sizes and textures. The children have to wear the blindfold and try and guess what they are holding by touch alone.Examples of items to use from nature: * Pinecones * Moss* Flower (all different kinds)* Blades of grass* Leaf* Stones* Dandelion seedsExamples of items to use from the kitchen:* Sponges or washcloths* Potato or other textured vegetable* Pineapple or other piece of fruit that won’t be damaged easily* Soap in a container, have a cloth handy to wipe their hands with afterwards* Measuring spoonsYou can set-up different stations for the children to go to or having everything laid out on one table. A variation on this activity is to use the sense of smell instead of touch. Still use the blind fold but use items that have a distinct odor to see if the children can guess what the item is. Spices such as cinnamon and pepper are easy to identify.You can set up different tables where different senses have to be used at each table. A touching table, a smelling table, and a tasting table. The tasting table can be fun, but if you are playing with children that are not your own make sure you are aware of any allergies that they may have. Also, don’t put anything out that a child strongly dislikes it will prevent them from wanting to play the game again.Print Making with FoodStamps are great for crafts or decorating stationary before you send a letter. Here is a way that children can make their own stamps to decorate clothing, make a picture, or to make homemade wrapping paper to wrap a present in.The best food to use when making your own stamps are apples and potatoes. Apples make a great design on their own cut in half vertically (for a traditional apple shape) or horizontally (for a circle with a star-shape in the middle). With a potato, cut it in half and then make your design. Depending on the age of the children you may or may not want to let them execute this part. An easy way to make a design on the potato to use as a stamp is with small cookie cutters. Press the cookie cutter into the potato and the remove the excess flesh. You can make a positive or negative impression by removing the inside of the area or the outside of the area where the cookie cutter made its mark. With tempura or another toxic-free paint, dip the apple or potato into the paint and have an extra piece of paper handy to dab off the extra paint. Make many different designs with the potatoes to great a variety of designs.If you want to use the stamps as print making on clothing, buy some fabric paint at the craft store. If the paint is too thick add a few drops of water at a time until it is at a consistency that is easier to work with.Be creative with your choices, you may also want to try carrots or another hard vegetable to see what kind of mark they leave. An alternative and less messy way to get the paint on the vegetable is to paint it on with a brush instead of dipping it into the paint.What is accounting fraud?Accounting fraud is a deliberate and improper manipulation of the recording of sales revenue and/or expenses in order to make a company's profit performance appear better than it actually is. Some things that companies do that can constitute fraud are:--Not listing prepaid expenses or other incidental assets--Not showing certain classifications of current assets and/or liabilities--Collapsing short- and long-term debt into one amount. Over-recording sales revenue is the most common technique of accounting fraud. A business may ship products to customers that they haven't ordered, knowing that those customers will return the products after the end of the year. Until the returns are made, the business records the shipments as if they were actual sales. Or a business may engage in channel stuffing. It delivers products to dealers or final customers that they really don't want, but business makes deals on the side that provide incentives and special privileges if the dealers or customers don't object to taking premature delivery of the products. A business may also delay recording products that have been returned by customers to avoid recognizing these offsets against sales revenue in the current yearThe other way a business commits accounting fraud is by under-recording expenses, such as not recording depreciation expense. Or a business may choose not to record all of its cost of goods sold expense fore the sales made during a period. This would make the gross margin higher, but the business's inventory asset would include products that actually are not in inventory because they've been delivered to customers. A business might also choose not to record asset losses that should be recognized, such as uncollectible accounts receivable, or it might not write down inventory under the lower of cost or market rule. A business might also not record the full amount of the liability for an expense, making that liability understated in the company's balance sheet. Its profit, therefore, would be overstated.Back to School PartyParents can celebrate a back to school party or kids may prefer to call the festivities an end of summer party. Other way, it is a fund way to look back on the summer and have a get together with everyone before school starts again (or for some the first time).An outdoor party with a barbecue is the perfect way to feed the party guests. Ask the children what their favorite parts of the summer were and what they are looking forward to most when going back to school. Try and incorporate these things into the party.Make a school bus cake using two square cake pans. Use one cake as the body of the bus and cut up the second cake making wheels and the front part of the bus that jets out. Make goodie bags for all the children to take home and place them in brown paper bags with their names written on them. Things to put in the bags:* An apple* Small notebook* Pencil* Eraser* Calculator* Anything else school related Hold a spelling bee and give a prize to the winner (maybe a new backpack). Have a large jar full of jelly beans or another fun treat and have the children guess how many are in the jar. The closest person gets to take the jar home. Think of other activities that revolve around the curriculum the children will be going back to once the school bells starting ringing again.Invite children from your child’s class that maybe he or she hasn’t seen in the summer. For younger children this can make the transition back into the classroom easier if they have a familiarity with the people they are going to be seeing everyday. The other parents will be appreciative to as it will help their children too.What does an audit do?If a business breaks the rules of accounting and ethics, it can be liable for legal sanctions against it. It can deliberately deceive its investors and lenders with false or misleading numbers in its financial report. That's where audits come in. Audits are one means of keeping misleading financial reporting to a minimum. CPA auditors are like highway patrol officers who enforce traffic laws and issue tickets to keep speeding to a minimum. An audit exam can uncover problems that the business was not aware of.After completing an audit examination, the CPA prepares a short report stating that the business has prepared its financial statements, according to generally accepted accounting principles (GAAP), or where it has not. All businesses that are publicly traded are required to have annual audits by independent CPAs. Those companies whose stocks are listed on the New York Stock Exchange or Nasdaq must be audited by outside CPA firms. For a publicly traded company, the expense of conducting an annual audit is the cost of doing business; it's the price a company pays for going into public markets for its capital and for having its shares traded in the public venue. Although federal law doesn't require audits for private businesses, banks and other lenders to private businesses may insist on audited financial statements. If the lenders don't require audited statements, a business's owners have to decide whether an audit is a good investment. Instead of an audit, which they can't really afford, many smaller businesses have an outside CPA come in on a regular basis to look over their accounting methods and give advice on their financial reporting. But unless a CPA has done an audit, he or she has to be very careful not to express an opinion of the external financial statements. Without a careful examination of the evidence supporting the amounts reported in the financial statements, the CPA is in no position to give an opinion on the financial statements prepared from the accounts of the business.Summer LearningSummer time is a break for children from lessons, homework and the everyday structure that school provides. But if you let the children stray too much from this routine during their summer break it can make the transition to school harder in the fall.You do not have to make the children sit down every day to learn a lesson but you can include summertime activities that are fun and are centered on learning. You can purchase workbooks for children that are meant to be preparatory for the next grade level at school and they are a great stepping stone. But you can have a conversation with the child’s teacher at the end of the school year to determine what they need to work on and choose some activities that will help develop those skills.For young children entering kindergarten count and name everything around you. Read and spell out street signs to help with letter recognition. Independence is the most important skill you can teach children entering school for the first time. Encourage them to clean up after themselves and put on their own coat and shoes just like they will at school.For older children, use little chores or errands and learning tools. Have your child write down your grocery list as you go through the cupboards. Have them pay for things with their own money or figure out how much money they need to save for a special item.School is a big part of a child’s life and you want them to be successful. Remember that taking a break is part of that so don’t overwhelm them with learning in the summer. But don’t let them forget the important skills that they worked hard to learn the year before. Continued reading through the summer is the best preparation.What does an audit report contain?Most audit reports on financial statements give the business a clean bill of health, or a clean opinion. At the other end of the spectrum, the auditor may state that the financial statements are misleading and should not be relied upon. This negative audit report is called an adverse opinion. That's the big stick that auditors carry. They have the power to give a company's financial statements an adverse opinion and no business wants that. The threat of an adverse opinion almost always motivates a business to give way to the auditor and change its accounting or disclosure in order to avoid getting the kiss of death of an adverse opinion. An adverse audit opinion says that the financial statements of the business are misleading. The SEC does not tolerate adverse opinions by auditors of public businesses; it would suspend trading in a company's stock share if the company received an adverse opinion from its CPA auditor.One modification to an auditor's report is very serious - when the CPA firm says that it has substantial doubts about the capability of the business to continue as a going concern. A going concern is a business that has sufficient financial wherewithal and momentum to continue it normal operations into the foreseeable future and would be able to absorb a bad turn of events without having to default on its liabilities. A going concern does not face an imminent financial crisis or any pressing financial emergency. A business could be under some financial distress but overall still be judged a going concern. Unless there is evidence to the contrary, the CPA auditor assumes that the business is a going concern. 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BPM Property, Private Company Limited by Shares, 19 The Seapoint Building, 44/45 Clontarf Road, Dublin 3 Ireland, Company Reg. No. 510673 Registered VAT No.9823759I. Phone : 086 8339542 01 5240447 Fax: 045 889642 E-mail: fiona@bpmproperty.ie
Registered Office - GDPM Ltd, 19 The Seapoint Building, 44/45 Clontarf Road, Dublin 3, Ireland

 
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