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A money plan is called a budget and it is crucial to get us to our desired financial goals.Without a plan we will drift without direction and end up marooned on a distant financial reef. If you have a spouse or a significant other, you should make this budget together. Sit down and figure out what your joint financial goals are…long term and short term.Then plan your route to get to those goals. Every journey begins with one step and the first step to attaining your goals is to make a realistic budget that both of you can live with.A budget should never be a financial starvation diet. That won’t work for the long haul. Make reasonable allocations for food, clothing, shelter, utilities and insurance and set aside a reasonable amount for entertainment and the occasional luxury item. Savings should always come first before any spending.Even a small amount saved will help you reach your long term and short term financial goals. You can find many budget forms on the internet. 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The result is that he often chooses the wrong card and then regrets his decision when he's already neck deep in problems with his credit card account.So, never pick up a 0 balance tr...Keywords:0 credit card, best credit card rate, low rate credit card 0 balance transfer credit card.Article Body:It's a plastic ocean out there with numerous banks and financial institutions scrambling to sell you their 0 balance transfer credit card. And there are so many kinds of credit cards available in the market that a credit card user gets intimidated and perplexed about which card to choose. The result is that he often chooses the wrong card and then regrets his decision when he's already neck deep in problems with his credit card account.So, never pick up a 0 balance transfer credit card without considering some crucial factors. 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You cannot carry forward a balance with a charge card.(iii) Reward cards are credit cards that earn you points every time you swipe them and such points are redeemable for some goodies (air tickets, supermarket goodies, etc.) at selected establishments.(iv) Then there are cards for people who have a bad credit history. These cards carry a low spending limit and a higher rate of interest. (v) Prepaid cards are another type of credit card that are mostly used by teens and some kids too. The parent makes a deposit and the card is valid until the deposit is used up. (vi) Secured credit cards require that the cardholder deposit a certain percentage of the credit limit upfront into their bank accounts.Once you have decided what kind of a credit card is right for you, do a comparison between different brands of cards. Compare their rates of interest (APR = Annual Percentage Rate) and also check whether they carry an annual fee. 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Or is it?Yes, children need activities to learn and have fun but it is also just important for them to have some free play time too. So while you are planning all of the activities and outings for them to participate in remember that they need some free play time too. Depending on the age of your children and their level of independence the free play time may take different forms. For younger children independent time will have to be supervised but for older children it can be a nice break for both of you to let them play alone in their room or outside in the yard. Let your kids have a say in what goes on too. Have a couple of options ready; let them help plan how you will spend the day. Letting your kids plan what goes on in the day is a sure way to get their buy-in and participation. Just be sure that if there isn’t any wiggle room in what you have planned for the day you make it clear from the beginning. 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Despite being classified as a world-renowned sport, surfing pose to be a challenge to some while others consider it a way of life -- traveling from one location to another in search of huge swells to satisfy their adrenaline rush.Origin of SurfingThis water sport was said to begin in Hawaii where European adventurers in the 17th century observed the locals treading the huge swells of the Hawaiian coast with boards made of wood. In the early days, surfing is part of the local Hawaiian customs though there have been evidence that this sport is also a custom in many islands in the South Pacific. Custom dictates that surfing is more than just a leisure activity, especially in the case of Hawaiian culture. It is considered as a form of art where surfers invoke the blessing of the gods for protection before skimming the waves. Western TraditionToday, surfing is a major sight in many beaches in the United States of America, Australia, and the South Pacific. Huge swells were considered as a challenge -- both men and women bring their boards, paddle to the waves, and show their moves for the world to see. Competitions are being held during peak seasons when waves reach suitable heights for surfers to show off their skills, winners earning the trophy, prestige, and of course, the money that comes with it.As the sport continues to gain popularity in the Western world, it evolves to conform to current trends -- crafting unique and better surfboards are now being practiced as a hobby or livelihood, surfing gears are being continuously improved for better performance. Even cultures are being affected in the height of the "surfing fever" the gripped the US that gave way to beach music, groups, and even the creation of new surfing styles and norms. 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When they are laminated you can choose to use a marker or crayon instead of stickers to check off the bugs that are found.A good list of bugs to put on the cards:* Ladybug* Ant* Caterpillar* Worm* Bee* Spider* Wood louse* Beetle* Butterfly* Any other bug or insect that can be easily found in your yard.Different variations of this game include using leaves or flowers instead of bugs. A prize for winning the game can increase the fun for the kids. It doesn’t have to candy or a toy, even letting them decide what video to watch or have for dinner can be enough of a prize for a child.10 Tips for Professional SpeakersPut your best foot forward every time! One of the reasons that many people fear taking the podium is because they are afraid of being the focal point of everyone's attention and they don't want to make a fool of themselves. There are several things you can do to "fool-proof" your speaking event so that you present well every single time!1. Take the time to prepare well for your presentation. Preparation enhances your confidence and it's also an opportunity to refine any weak areas in your presentation.2. Begin and end your presentation on time. Arriving late to your presentation is simply unprofessional; not to mention that it won't win you any points with your crowd. Also speaking over time shows your audience that you don't value their time.3. Know your audience. The only way you can really relate your audience is if you know who they are. Profile your audience. Are they male or female? What income bracket are they in? Why would they attend your presentation?4. Dress appropriately for your audience. Not all speaking engagements require a business suit! There are many places where business casual attire has become the norm. Before your audience even hears your message, they are already sizing you up and this is impacting whether or not they are hearing what you have to say!5. Have a backup plan for visual aids used in your presentation. You've selected to use visual aids because you thought they would be helpful in getting your message across. What happens when laptops fail or the room cannot accommodate presentation equipment? Create a plan on how you would handle a situation like that.6. Tone down information overload. Yes, you can overload your audience with too much information and if you're not careful, you'll lose them. They'll mentally check out. As a speaker, you'll want to present enough information that hooks them into getting more information from you!7. Don't use inappropriate humor. Humor can be a tricky thing working for you or against you. You will really have to know your audience in order to use jokes or humor appropriately.8. Vary your speech tones. The monotonous speaker will lose their audience within the first 15 minutes. It's okay to be animated during your presentation and in fact, doing so will transmit flair and passion that keeps people engaged in your message.9. Relate your topic back to your audience. Basically, stop talking about yourself! Your audience might want to hear a testimony or two, but mostly, they'll want to hear about them and how your presentation can help them!10. Solidify your message. Support your ideas with data and evidence and build a solid case for your viewpoints. You can use statistics, testimonies, demonstrations, pictures and more!Your presentation can be fool proof if you take the time to minimize mistakes. By going through these key points, you can assure yourself that you are well prepared for any challenge that might come your way and you will experience the success you've always dreamed of!10 Benefits Of BluetoothBelow, are 10 benefits and reasons to use Bluetoothtechnology.1. WirelessAs you probably already know, there are many benefitsand advantages to using wireless devices. Along withimproving safety as a result of eliminating wiresyou don't need, wireless also offers you plenty ofother advantages. When traveling with your laptop or other wireless devices, you'll no longer have toworry about bringing connection cables.2. Bluetooth is actually inexpensiveThe technology of Bluetooth is cheap for companiesto implement, which results in lower costs for thecompany. These savings are then passed from thecompany on to you.3. Bluetooth is automaticBluetooth doesn't have you set up a connection orpush any buttons. When two or more devices enter a range of up to 30 feet of each other, they willautomatically begin to communicate without you having to do anything. 4. Standardized protocolBluetooth is standardized wireless, meaning thata high level of compatibility among devices is guaranteed. Bluetooth will connect devices toeach other, even if they aren't the same model.5. Low interferenceBluetooth devices almost always avoid interferencefrom other wireless devices. Bluetooth uses a technique known as frequency hopping, and also low power wireless signals.6. Low energy consumptionAs a result of Bluetooth using low power signals,the technology requires very little energy and willuse less battery or electrical power as a result.This is an excellent benefit for mobile devices, as Bluetooth won't drain the battery.7. Sharing voice and dataThe standard for Bluetooth will allow compatibledevices to share data and voice communications.This is great for mobile phones and headsets, asBluetooth simplifies driving and talking on yourcell phone.8. Instant PAN (Personal Area Network)You can connect up to seven Bluetooth devices toeach other within a range of up to 30 feet, forminga piconet or PAN. For a single room, you canalso set up multiple piconets.9. UpgradeableUpgradeable is the standard for Bluetooth. Thereare newer versions of Bluetooth in the works, which offer many new advantages and backward compatible with older versions.10. The technology staysBluetooth technology is a world wide, universalwireless standard. With it being as popular asit is, you can count on it being around for yearsto come. As more and more devices start to useBluetooth technology, more manufacturers will beeager to make their products compatible. A chainreaction will occur, making Bluetooth the standardfor cutting edge wireless.(word count 419)PPPPP"Life With Woody" 10 inspirational quotes than can improve yourselfIt might take a little coffee or probably a few rounds of beer or any other booze you could get your hands on when it comes to relaxing after a hard day's work. Well, yeah I'm guilty about that one as well, unless I'm caught dead wearing a lampshade over my head after a few rounds of vodka… half-naked! Okay, bad example and I apologize to everyone reading this after getting nightmares about me in that state of drunken stupor.Just don't ask how it happened, please.But what's really interesting is that how do people go through the usual part of life when faced with vein-popping stress? I mean, the new age thing like Zen or yoga is one of the good things and it actually works. Is there room for the intellectual side of people who can actually smell the roses-in-a-can while on the move? It kind of had me thinking that there really must be something in this 'mind-over-matter' thing.Humor is indeed the best medicine there is whenever you are. I mean anyone can pay good money to listen to a comedian just to make you wet your pants after laughing so hard. Despite of what's been happening, and to those who has gone though the ordeal, it's better to just laugh while facing the troubles with a clear mind than anger with a clouded vision. One of my favorite celebrities of all time may have to be Woody Allen. Now this is one guy who gives you the in-your-face bluntness that he pulls out with gusto, even without even trying. You can talk just about anything with a man, and he's bound to mock the subject and you'll end up laughing rather than being upset about it.Woody Allen has this to say:1. "Money is better than poverty, if only for financial reasons." It sounds good to me, I mean the practicality of all things does involve money but it doesn't have to take an arm and a leg to get it.2. "I believe there is something out there watching us. Unfortunately, it's the government." 'Nuff said.3. "There are worse things in life than death. Have you ever spent an evening with an insurance salesman?" This happens to be one of the classic ones. I mean the issue about life's little problems isn't all that bad, until 'he' shows up.Sure, relationships can get complicated, or does have its complications that probably any author about relationships is bound to discover it soon. We follow what our heart desires, unless you're talking about the heart as in the heart that pump blood throughout your body.4. "Love is the answer, but while you're waiting for the answer, sex raises some pretty interesting questions." And if you want more, just keep on asking!5. "A fast word about oral contraception. I asked a girl to go to bed with me, she said 'no'." It sounds, 'practical', I think.And when it comes to everyday life, he really knows how to make the best out of every possible scenario, and it doesn't involve a lawsuit if he strikes a nerve.6. "Basically my wife was immature. I'd be at home in the bath and she'd come in and sink my boats." I never had a boat in my bathtub before. Just staring at it while soaking in hot water makes me seasick already.7. "I am not afraid of death, I just don't want to be there when it happens." If it rains, it pours.8. "I am thankful for laughter, except when milk comes out of my nose." It could get worse when you're guzzling on beer… or mouthwash, and it happened to me once!9. "If you want to make God laugh, tell him about your plans." At least he doesn't smite us with lightning, and I'm thankful for that.And despite of what may happen to all of us in the next ten, twenty, or even thirty years, I guess we all have to see things in a different kind of light and not just perspective. I can't seem to imagine life without any piece of wisdom that could guide us. Whether we're religious or not, it takes more courage to accept your fears and learn how to deal with them is all that matters when it comes to even just getting along.And to sum things up, here is the last nugget of wisdom to go by… however, whenever, and wherever we may be.10. "The talent for being happy is appreciating and liking what you have, instead of what you don't have."Ciao!10 Steps On How To Work From Home On eBayHere are 10 steps on how to work from home on eBay. Follow the information outlined here in order to successfully sell your items and start making a profit. It is easier than you think to have a profitable eBay business.Step One:Get started the right way. Accurately describe your item. If it is new say so, if it is not also state that. An accurate description will ensure that the buyer knows what they are getting.Step Two:Have great keywords in your title. Look for an item just like yours in an eBay search. See what comes up. 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Building one on eBay can be rewarding and fun.PPPPPword count 645Surfing Classes...Selecting The Right Experts To Teach You How To Surf ProperlyOld-school surfers would tell you the best way to learn surfing is to do the same thing they did -- pick up the skills by winging it. Not anymore, surfing classes can help you surf like pros in the shortest possible time. No need to suffer humiliating wipe-outs, life-threatening blunders, and serious pressure just to become an expert. Learn it from experts quick and easy in just a few hours a day.The Benefit of Learning the BasicsThere is more to surfing than just knowing your equipment and the courage to brave towering swells. If you really want to become a veteran in this popular water sport then you need to start with the basics as preparation. Taking lessons from surfing classes will arm you with all the necessary knowledge to do well in the sport -- preparing your body in terms of power and balance, knowing the equipments used in surfing, exercises to keep your body in top shape, safety tips to avoid life-threatening situations, and more.Finding the Right Classes to EnrollNow that you have an idea why it is necessary to learn basic surfing from experts, the only thing left on your list is to find the right classes to enroll in. If it's your first time then it is safe to say that you won't have any idea on what enrollment entails or how these classes are conducted, even finding them can be a chore if you don’t know your way around. Here are some tips that should help you find the right one to help you learn from scratch.Tip # 1: Visit the Local Surfing ClubIf you don’t know where to find a surfing class to enroll then the best way to start is to look for a surfing club or surfer group to help you introduce you to one. These veteran surfers know their way around the surfing culture and can direct you wherever you need to go with ease.Tip # 2: Search for A Class OnlineThat's right; the Internet should help you find surfing classes you can enroll in with ease. Use search engines to look one up in your area. Their sites should also give light to details, like types of lessons, schedules, fees, and a contact number if you have more questions you want to ask before enrolling.Tip # 3: Visit the BeachWhere else can you find veteran surfers other than the beach? If you're a beach bum then you will surely spot a lot of surfer kiosks in the beach where swells are abundant. Take some time off from your schedule to visit these impromptu surfing establishments to learn more where you can take classes.How To Decide If It’s the Right OneAside from the credibility and cost of surfing classes, you also need to consider if the location and schedule fits your lifestyle. 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If you are looking for some ways to show your love this Valentines Day, here are some tips to get you started:Tip #1 – One of the best things you can do on Valentines Day is to write your lover a love note. Don’t send an electronic greeting or purchase a card, spend the time to write an actual, traditional love note to someone you care about. Your love note does not need to be long; however, it needs to be handwritten with some thought having gone into it.Tip #2 – If you have zero writing skills, then instead of an all out love note, you can write down a list of the things you love about your lover. A simple “I love you because…” list can go a long way to showing someone how you care about them. Tip #3 – Place your love note on your lover’s pillow or if you will not see each other in the morning then you can have it delivered to them with some flowers or candy. Tip #4 – If you want to add some creativity to your Valentines Day gift then you can create a scavenger hunt which your lover will have to follow around your house to find their gift. You can leave clues around the house which all lead your lover to find the next clue, and then ultimately to find your gift to them. Tip #5 – If you have a variety of gifts for your lover then you can start at the front door and run a string from one gift to another. By doing this, your lover has to follow the string to get to their next gift. You can use inexpensive kite string from the dollar store to string your gifts together. Tip #6 – Rather than going out and fighting the crowds on Valentines Day, you can celebrate it at home by cooking for your lover, or you and your lover can cook a meal for each other, together. Cooking at home can be both romantic and a lot more fun than going out and paying for an expensive meal out. Tip #7 – If you are looking for a non-traditional gift to give to your lover this Valentines Day, consider making some coupons for them that they can redeem for a variety of things throughout the year. You can make them for simple things like washing their car, or for more sensual gifts. Thanks to home computers and cool paper, you can make some really great coupons or gift certificates in the comfort of your own home. Tip #8 – If you are single this Valentines Day, there are many fun ways which you can spend the day or evening with friends. On fun way to spend the evening is to have a “Valentines Day Sucks” party with your other single friends. Each friend brings a romantic comedy movie and their favorite junk food to the event. You spend the evening making fun of sappy movies and eating as much junk food as you want, just for one evening. Tip #9 – Another fun way to spend Valentines Day if you do not have a lover to share it with, is to go to a very expensive restaurant with a friend and order the foods you have always wanted to try – including desert. Take a long evening to enjoy the food and company of a good friend. Tip #10 – If you will not be seeing your lover until a day or two after the big holiday, you can wait to purchase your flowers or candy until the later date and save a ton of cash. PPPPPWord Count 69510 Tips for Hosting an Amazing Easter Gathering Each year here in the United States, the celebrations of the Easter Holiday tend to take on two distinctly different meanings. Traditionally, the celebration of Easter is about the resurrection of Christ. However, celebrating Easter as a secular holiday is all about the Easter Bunny and eggs. Whether you are a religious family who celebrates Christ’s resurrection, or you choose to have the day be about Easter egg and basket hunts, here are ten tips for making your Easter gathering a success:Tip #1 – As with planning for any party, you want to plan your Easter Sunday gathering as far in advance as possible. People often tend to make plans for holiday celebrations many months in advance, and the last thing you want to happen is to plan a party and then find out that all of your potential guests are unavailable. Tip #2 – It is important to plan your menu for Easter early as well. You will find many special deals on foods such as ham and roasts near the Easter holiday. By planning ahead, you will know which deals to be on the lookout for. To save yourself time and a lot of aggravation make sure to write down a list of things you will need. Tip #3 – Make sure that when you are planning your Easter gathering, or any other party for that matter, that you give yourself enough time to plan and shop. You will not want to be in a grocery store the week before Easter because the entire rest of your town will all be there. If you have some lead-time, then you can avoid the last-minute crowds. Also, you do not want to plan your menu and then find that the store is out of a key ingredient which you need.Tip #4 – If you want to use dyed eggs as decoration, make sure you dye your eggs a couple days before your event. If you don’t, then you might be hosting your party with weird colored fingers. Tip #5 – If you will be having an Easter Egg hunt for the children in attendance, you might want to consider purchasing some plastic eggs which you can add small toys and candy inside of. This makes you less likely to loose an egg which will smell if you don’t find it in time. Tip #6 – If you will be cooking a large meal, try cooking everything you can the day before. At the least prepare anything the day before which you can. This will save both your time and your energy on the holiday. Tip #7 – When you home is packed full of your friends and family; accept their help when they offer it. Remember, the party is for you too and by allowing people to help you, you can enjoy your own party as well. Tip #8 – If there will be a lot of children at your Easter party, have some fun activities which they can work on to keep them busy and out of trouble. You can always offer a prize for the best craft project, or whatever, to give them a sense of competition and to help them spend more time working on their projects.Tip # 9 – If you will be making Easter baskets, the best place you can find the baskets are at your local dollar store or thrift stores. Both of these offer you a great basket selection at a very low price. You can give the baskets to the kids, or you can have the kids build the baskets and then deliver them to a local charity or homeless shelter.Tip #10 – Don’t forget the less fortunate at Easter time. If you have excess food in your pantry, take some of it to your local food pantry so that those who are hungry in your community can enjoy a good meal for the holiday. PPPPPWord Count 665"A Piece of Blarney Stone" 10 ways to empower your communicationThe Blarney Stone is a historical stone, or actually part of the Blarney Castle in Ireland where it was believed that kissing the stone can grant you the gift of gab. Yeah, it seems strange in this day and age, but who are we to question tradition? It's not like I'm saying that Santa Claus doesn't exist (OOPS!).There is so much to know about conversation that anyone, even I, could ever realize. You can go though watching talk shows; radio programs; clubs dedicated to public speaking; ordinary conversations; certain rules still apply when it comes to interaction through words. It may sound tedious, I know, but even though it's your mouth that's doing the work, your brain works twice as hard to churn out a lot of things you know. So what better way to start learning to be an effective communication is to know the very person closest to you: yourself.1. What you know.Education is all about learning the basics, but to be an effective speaker is to practice what you've learned. My stint as guest at every Toastmasters' meeting I go to taught me that we all have our limitations, but that doesn't mean we can't learn to keep up and share what we know.2. Listening.It's just as important as asking questions. Sometimes listening to the sound of our own voice can teach us to be a little bit confident with ourselves and to say the things we believe in with conviction.3. HumilityWe all make mistakes, and sometimes we tend to slur our words, stutter, and probably mispronounce certain words even though we know what it means, but rarely use it only to impress listeners. So in a group, don't be afraid to ask if you're saying the right word properly and if they're unsure about it then make a joke out of it. I promise you it'll make everyone laugh and you can get away with it as well.4. Eye ContactThere's a lot to say when it comes to directing your attention to your audience with an eye-catching gaze. It's important that you keep your focus when talking to a large group in a meeting or a gathering, even though he or she may be gorgeous.5. Kidding aroundA little bit of humor can do wonders to lift the tension, or worse boredom when making your speech. That way, you'll get the attention of the majority of the crowd and they'll feel that you're just as approachable, and as human to those who listen.6. Be like the rest of themInteraction is all about mingling with other people. You'll get a lot of ideas, as well as knowing what people make them as they are.7. Me, Myself, and IAdmit it, there are times you sing to yourself in the shower. I know I do! Listening to the sound of your own voice while you practice your speech in front of a mirror can help correct the stress areas of your pitch. And while you're at it you can spruce up as well.8. With a smileA smile says it all much like eye contact. There's no point on grimacing or frowning in a meeting or a gathering, unless it's a wake. You can better express what you're saying when you smile.9. A Role ModelThere must be at least one or two people in your life you have listened to when they're at a public gathering or maybe at church. Sure they read their lines, but taking a mental note of how they emphasize what they say can help you once you take center stage.10. PreparationMake the best out of preparation rather than just scribbling notes and often in a hurried panic. Some people like to write things down on index cards, while other resort to being a little more silly as they look at their notes written on the palm of their hand (not for clammy hands, please). Just be comfortable with what you know since you enjoy your work.And that about wraps it up. These suggestions are rather amateurish in edgewise, but I've learned to empower myself when it comes to public or private speaking and it never hurts to be with people to listen how they make conversations and meetings far more enjoyable as well as educational.Title: 100% Financing Or No Down Payment & Bad Credit Mortgage LoansWord Count:350Summary:Sub-prime lenders now offer financing packages with zero down. Interest rates are higher on these types of loans, but they make purchasing a house easier. And unlike a conventional loan, there is no private mortgage insurance required. 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