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    8.2 of 10 on the basis of 2894 Review.
     

     

     

     

     

     

         
     
    Tasting The World 202

     

    Tasting the World: Cigar's From Different Countries Most everyone is familiar with the much lauded flavor of Cuban cigars. But how do you know if you're smoking a Cuban cigar, or a cigar from any other country for that matter? For those new to the world of cigar smoking, you should know that every cigar producing country has its own unique flavor and character. The soil quality and the way the tobacco is produced and rolled contribute to the overall flavor of the finished product. One must of course allow for significant regional variety, here are some very basic guidelines for getting to know the world's flavors. The famous Cuban cigars are renowned for their smoothness and 'creamy' flavors. They are applauded for their rich flavors and overall premium quality. Cigars from Central American countries like Honduras and Nicaragua are known to be strong and rich in flavor. Caribbean countries like Jamaica and the Dominican Republic are known for their milder flavors. Whatever country you purchase from, remember that a good way to gauge the overall flavor of a cigar is to note its diameter and length. In general, cigars with a thicker diameter will have a richer flavor. Longer cigars are generally cooler. 202 PPPPP



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    Dont Skimp On Digital Camera Accessories

     

    A digital camera is nothing without all the other accessories that allows it to perform superbly. The memory card is the most important addition you can make to a digital camera, but a soft camera case is also very handy to have around as it will protect your camera from damage. 1. Camera Cases A soft camera case costs $10 to 20 but it can protect your camera from damage caused by dropping or careless handling. Those who travel a lot should buy a strong camera bag for further protection. 2. Cleaning Kit A cleaning kit is a great investment for your digital camera. You should never clean any optics of your camera using your shirt, fingers, water or breath. The kit, that costs a few dollars, includes a small blower brush, a soft cloth, a small plastic bottle containing the lens cleaning solution and a number of lens cleaning tissues. 3. Tripod Another accessory is a tripod, that is needed to prevent camera shake especially when the shutter speed drops below 1/60 second at a wide angle shot. Some digital cameras are equipped with an LCD monitor, that flashes a blinking light as a warning when the shutter speed is likely to cause a camera shake. A tripod is necessary when you are too close to the object in macro photography. 4. Batteries It is also advisable to buy a spare set of rechargeable batteries. This saves you the embarrassment of getting stuck with drained out batteries during the middle of a photo shoot. Rechargeable batteries last longer, and save you the bother of hunting for battery stores in desolate places. 5. Battery Charger Batteries from the store will typically only last 30 minutes inside a digital camera you will need NiMH batteries if you want to be able to take more pictures. These batteries carry a higher charge. Never attempt to charge NiMH batteries in a charger that wasn't designed for NiMH batteries you could ruin your batteries or worse start a fire and burn your house down.



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    A Completely New Way To Get Rich Rapidly

     

    This new way is catching on around the world. People are compounding money rapidly for themselves. Its called "opportunity investment" and it has nothing to do with the traditional way to invest. Stocks, bonds, shares etc. This is hands on. The entire premise is based on compounding and becoming the "investor source" You see when we hand over our funds to "professionals" to invest our capital we dilute our returns dramatically. It makes sense if you think about it. They have no interest or incentive to manufacture returns any better then maybe 10% if you are lucky. "Opportunity Investment" is a term that describes the process of taking responsibility for your own funds. Thereby becoming your own "investor source" What that means is that you determine by your daily actions and decisions, what your returns will be. I have managed over 2500% per year and it was easy. Starting with just $100 and on a whim, I compounded that in to $1 million dollars within 27 months I discovered this 5 years ago. There is a book written by a guy who pioneered this formula and lives the results every day. Hayden Muller. The book is called "The inside trade secrets to an ethical opportunity investor" The idea is to identify "investment objects" that are endowed with "excess intrinsic value" By recognising profit where others do not we put ourselves in the position to access this unseen stored portable value and transform it into profits which we pyramid and compound into a rapid fortune. Its my opinion that this is not new at all. I believe, this is the narrow path that all "high net worth individuals" discovered for themselves. What is novel and new is the way its packaged as a book and disclosed freely to all who choose to recognise its worth. I am so impressed with it, as were my associates, that we invested in an online resource to share with the many who already compound their wealth rapidly and certainly day by day. (Theres a link to the site below if you wish to learn more) Theres revolution in the air. Ordinary people are daring to reach for their first million and taking it. Millions are not content to work their whole lives, then retire then die. They express it by their actions. They are living in large comfortable homes. They are sending their children to good schools, driving nice cars and living the life they choose today not tommorow. We are part of that paradigm shift and we fan the flames with knowledge. Wealth education need not be complicated. Your wealth education could be alot simpler and direct if you choose it to be. Simpler is always better, and opportunity investment is the bare bones. The structure is robust and direct. Take it and earn like the many who already do.



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    Charleston S Best Places To Grab A Bite To Eat

     

    : The Wreck of the Richard & Charlene Although settled in an old icehouse, this seafood restaurant has all the warm southern charm it needs. The Wreck of the Richard & Charlene is one of Charleston’s local favorite food establishments. As hurricane Hugo swept through back in 1989, it plowed over the same spot the restaurant now stands. Directly in its path was The Richard & Charlene, a North Atlantic trawler. As the winds and the water did their damage, the trawler was slammed back and forth into the neighboring dock. This restaurant was named in memory of that stormy day. If you want a true southern experience, this is the place to come. To the citizens of Charleston’s, it truly is one of their prized gems. Gullah Cuisine Charlotte & Frank are famous for their traditional Gullah cuisine. The food became so popular while they were in the catering business that they decided to open up their own restaurant in 1997. If you are not familiar with the term Gullah, it stems from a unique and rich heritage. The Gullah are African Americans who have settled into the Low Country region of

         
    Personal Loan After Bankruptcy Can You Qualify

     

    : If you want to qualify for a personal loan after bankruptcy there are four key areas that will determine how successful you are: 1) Your credit score 2) Collateral 3) Existing debt 4) Time Let’s look at each factor in more detail and how they can help you increase your chances of qualifying for a personal loan after bankruptcy: 1) Credit score: In order to qualify for a personal loan after bankruptcy you will need to meet the lender’s minimum credit score criteria, provided the lender extends loans to individuals with a recent bankruptcy. You’ll want to find out before applying for a loan: Simply ask the lender if they consider applicants with a bankruptcy on their credit report. Let’s suppose the lender does. How can you increase your credit score enough to qualify for a personal loan after bankruptcy? The first step is to order copies of your credit reports from the three major credit reporting agencies (Experian, Equifax, and Trans Union).

    Next, make sure any inaccurate or obsolete negative information on your credit reports is removed or updated. I go into detail on this in After Bankruptcy Credit Solutions. I also explain how to legally add positive lines of credit to your credit reports, which is a very powerful way to increase your credit score – but I’ll save that for another article. 2) Collateral: Another major factor in obtaining a personal loan after bankruptcy is how much collateral you have.

    Why? Because if a lender has collateral that they can go after (i. e., equity in your home) should you default on the loan, that reduces their risk dramatically. So if you can provide collateral to the lender, it can increase your chances of qualifying for a personal loan after bankruptcy. 3) Existing debt: You don’t want to have too much debt when you apply for a personal loan after bankruptcy. If you do, the lender may feel you don’t have the capacity (enough income) to cover the loan payment, because you have too many other monthly expenses to pay (i. e., credit cards, auto payment, etc.) – as a result you could get turned for a personal loan after bankruptcy.

    On that note, find out if the lender has a minimum income requirement, or debt to income ratio you need to meet. If they do, make sure you meet their minimum requirement before you apply for the loan. 4) Time: It’s been said that “time heals all wounds” – well, when it comes to obtaining a personal loan after bankruptcy this can certainly be true if you’ve developed a positive payment history since your bankruptcy.

    When a lender is deciding whether or not to extend you a personal loan after bankruptcy, your credit report will play a major role. Generally speaking, if your credit report reflects a positive payment history for at least two years since your bankruptcy, it will certainly help.

    We have looked at the four major factors that will determine whether or not you qualify for a personal loan after bankruptcy: Your credit score, collateral, existing debt, and time. To the extent you can strengthen each one of these you increase your chances of being approved for a personal loan after bankruptcy. Even if you can’t qualify for a personal loan after bankruptcy immediately, don’t be discouraged!

    Remember, time can heal all wounds when it comes to qualifying for a personal loan after bankruptcy. Just make sure to focus on increasing your credit score, pay your existing bills on time, don’t take on too much debt, and build up your net worth. Copyright (c) 2006 Innovative Solutions Publishing, Inc. All rights reserved.

    The company and product/service names referenced in this article are the trademarks, registered trademarks or service marks of their respective owners. None of the owners have sponsored or endorsed this article.

    DISCLAIMER: This information is designed to provide only a general overview of the subject matter herein. This information is provided with the understanding that neither the publisher nor author is engaged in rendering legal, accounting or other professional advice. If legal or other expert assistance is required, the services of a professional should be sought. Neither the publisher nor author shall be liable for any loss or damages, including but not limited to special, consequential, incidental or other damages, caused by the information contained herein.



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    Saltwater Aquarium Plants... Here S What They Re About

     

    Saltwater aquarium plants add color and interest to your marine tanks and form part of any well thought out marine tank. But that’s not all they do. Macroalgae and marine plants will also make the ecosystem in your tank healthier. Macroalgae are particularly beneficial as they provide a natural form of filtration in the saltwater tank. Saltwater aquarium plants take in nutrients from the water in order to carry out their biological functions and growth. This action reduces the accumulation of toxic nitrates and phosphates and other impurities in the water. When you use plants in your marine tank the idea is to reproduce your fish and other organism’s natural habitat. A tank that contains saltwater aquarium plants is likely to be a healthy one. Here are some examples of saltwater aquarium plants that you can choose for your marine tank: Halimeda or cactus algae are hardy saltwater aquarium plants and won’t be fed on vigorously by most marine fish. It is also non invasive so it won’t damage nearby corals or invertebrates. It does need good light to grow in however as well as enough calcium for growth. Halimeda are sensitive to high nitrate and phosphate levels and don’t like to be pruned. Penicillus or “shaving brush” are saltwater aquarium plants that do a great job at absorbing excess nutrients like nitrates and phosphates from the water. They are usually not fed on by most fish and invertebrates except sea urchins. Plant the pencillus in the substrate and make sure the area is well lit. If you add an iron supplement and trace elements regularly your pencillus should thrive. Pencillus has a hard calcium carbonate skeleton like halimeda an coralline algae and will do well across a range of conditions. What about macroalgae? Macroalgae are saltwater aquarium plants that come in a variety of different shapes and sizes. They are to be found in a range of colors – red, green, brown and blue. These saltwater aquarium plants are able to photosynthesize. This means they use a pigment called chlorophyll to make their own food for growth and other functions. In general these saltwater aquarium plants get most of the nutrients they need from the water in the marine tank. These include nitrates and phosphates. This makes them good allies in keeping your tank clean. You will need moderate to strong light for the growth of macroalgae. The way to avoid macroalgae growing out of control is to control the environment in which it lives. This means the water chemistry and amount of available light. So are there ‘bad’ saltwater aquarium plants? Certain kinds of algae can become problematic in a marine tank. Bubble algae is one of the most common pest saltwater aquarium plants. Bubble algae forms green bubbles on any hard surface, for example live rock. It can occur in masses of bubbles or single or in small groups of big bubbles. The bubbles might be smooth or rough. Bubble algae look nice, BUT they aren’t! These saltwater aquarium plants grow fast and can take over your tank. Once you discover it the best thing to do is remove it and keep it under control. It can damage other plant species. You can usually remove it by hand. When you do, try not to break the bubbles as this might cause it to spread. You can try to introduce certain types of fish like the Sohal Tang or Red Sea/Indian Ocean Sailfin Tang (Acanthurus sohal) to eat bubble algae. The best means of control, however, seems to be the “Emerald Crab". These crabs won’t damage your corals but will eat the bubble algae. It is a good idea to learn about other such interactions between saltwater aquarium plants and herbivores as they might save you time and trouble in the future. The emerald crabs are a great idea for the reef aquarium where they won’t fight with other inhabitants. There are even coral farmers who use emerald crabs to control algae around their hard corals! So you can protect your saltwater aquarium plants by stocking some of these little helpers. So what’s your next step? Now that you know a little bit about the good and the bad kinds of saltwater aquarium plants, it’s your job to make sure you learn more. Your local aquarist will be able to tell you more about which saltwater aquarium plants are most suitable for your tank, level of expertise and the other species you want to stock. You can also do more research on the Word Wide Web, visit your local library or buy books on the subject. Don’t ever buy your saltwater aquarium plants on a whim because you like the way they look. Always make sure you know as much about their nutrient, environment and lighting needs as possible. That way you can avoid making mistakes that cost time and money or even threaten the health of your tank in the long term. Do choose saltwater aquarium plants that you find attractive as this is part and parcel of keeping a marine tank but never let your desires cloud your common sense. Once you have all you plants set up you will be able to enjoy the animal plant interactions that are so much a part of the marine ecosystem. The purpose of any aquarium is to provide both the fish and you with hours of pleasure and enjoyment. A healthy tank is a happy tank so do take the time to do your research. Saltwater aquarium plants are very beautiful to look at and interesting to grow so make sure that you take the time to enjoy the plants in your tank. Find out if it is possible to propagate any of these plants from, how to increase or decrease their growth and what nutrients they need to stay healthy. Never share plants between aquariums unless you know they are 100% disease free and always put the health of your tank at the top of your list of priorities! Have fun and enjoy your saltwater aquarium plants!



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    Alcoholism Disease Or Not

     

    Alcoholism can be given a lot of definitions and all of them stress the fact that there is a terrible disease that involves addiction to spirits. Apart from the physical dependence on alcohol, there are other psychological, genetic and social factors that may play a role in the development of alcoholism. Many social, economic and public health problems are determined by this very serious disease. When alcoholism is concerned, symptoms include craving for alcohol, incapacity to have control over the use of alcohol, a greater tolerance to its effects, and withdrawal symptoms during the periods of abstinence. One should as well know that many alcoholics deny having a problem. In many cases intervention is necessary in order to persuade them to start treatment. Treatment in cases of alcoholism usually includes detoxification, counseling and psychotherapy, as well as treatment of associated medical problems, and different programmes for recovery and support. Alcoholism involves physical and psychological addiction to the alcohol, and it often gets to a chronic, progressive form. There are situations in which it can become fatal, when alcohol consumption begins to interfere with your health, your social life or your occupational functioning. Alcoholics often continue to consume alcohol in huge quantities despite the multiple negative consequences of the disease. Nowadays, alcoholism is the most serious form of alcohol abuse. Alcoholism can be also defined in terms like "having a problem with drinking". If one has a problem with drinking, that can result in health or social problems (drunk driving, for instance), but that doesn’t make one yet dependent on alcohol and it doesn’t mean one has fully lost control over using spirits as in the case of alcoholism.



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    What Is Electronic Data Interchange

     

    Electronic Data Interchange, or EDI is a method of computer to computer exchange of various types of information. While many people know of the internet and the World Wide Web as communication methods, the electronic data interchange is much similar. It allows the transfer of data from one place to the next with very minimal need for people to get involved. Today, the Electronic Data Interchange is regulated. It offers specific interchange methods that transpire overseas and nationally as standard bodies when it comes to moving information and business transactions from one place to the next. For example, this is the most common form of communication in the process of purchasing goods and services. Communication for the location to the financial institution to deliver a message of the amount of funds required, in this case, is what data will be transferred. In most cases, the information that is transmitted in an electronic data interchange is done so that companies can communicate. They can provide information to allow business transactions or the passage of very important information. For example, in the healthcare industry they can be used to help communicate through the network about a patient allowing for a faster method of receiving information. This technology is still being developed in many areas, though. In fact, more and more so, people are turning to Electronic Data Interchange as their means of communication especially with more people turning to the Internet. The Electronic Data Interchange allows for networks of all sorts to communicate and this is helping ecommerce as a great way for companies to buy, sell or trade information and services. In fact, ANSI has just approved a set of Electronic Data Interchange standards. They are known as the X12 standards. Nonetheless, you will see more and more people using them because more and more people are getting online to do just these things.



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    Simple Secret To Savings Start With A Single Step

     

    “The journey of a thousand miles begins with a single step.” It’s as true with saving money as with anything else. These days, we’ve been frightened into thinking we must save thousands of dollars immediately. Most of us simply cannot do this, and the media does us no favors when it makes the situation sound so hopeless that we might as well give up. Financial planning should be focusing on real people, people who have trouble saving, people who really need the help that instead seems geared towards the wealthy. As a result, many of us think that if we can only save, say, $10 a month, then it isn’t worth it. Not true! Once you sock away that $10 and realize that you’re still okay, you’ll realize you can put away a little more. Maybe you increase it to only $20 a month, but that’s $240 a year, plus the interest you’ll receive for putting the money in a savings account or money market. You only need $250 to open an IRA, and that’s a worthy goal. Even if you stick with $10 a month, that’s $120 a year, and if you think that isn’t much money, you can probably afford to put away more. The best part of this technique is that you get into the habit of saving. Once you do that, savings can grow and grow as your income increases, your expenditures decrease, or you receive a bit of extra money from your tax return, a work bonus, etc. Here are a few tips for saving more by starting small: Pay yourself first. You’ve heard it before, but that’s because it works. When you pay your bills, write a check to yourself. Depositing as little as $5 from each paycheck into a savings or money market account should get you to that initial goal of $10 a month. If that’s painless, increase it to $10 per paycheck. If, after a couple of months, you find $10 is painless, increase it a little more. Keep doing this and you might be surprised at how much you can afford to sock away! If your employer offers direct deposit, even better. Open a savings or money market account and have at least $5 per paycheck deposited into that account. Again, keep increasing this as you get comfortable with saving the money. Do you spend $2 a day on coffee, a muffin, or some other inexpensive treat? Do that five days a week for 50 weeks, and you’ve spent $500! Spend a little of that on a coffee maker and some ground or whole coffee beans, and put the rest into your savings account. When you save money with good deals or coupons, consider putting the difference into your account. Most importantly, get yourself into the habit of saving, and don’t underestimate the effect of saving just a little. All you need to do to begin the journey is to take that first, single step.



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    Best Work From Home Job Nailing It In No Time

     

    I remember one time I was going to a concert at First Avenue. Probably you don’t know where First Ave is, so I’d like to highly recommend you go rent the movie Purple Rain tonight…or soon. Anyways, that’s where I was. On the way across a parking lot a guy approached my friends and I and offered to play that game where he has some cups and a ball and you have to guess under which cup is the ball. Well my friend lost. He said it was a scam and didn’t want to pay. Then out of nowhere the cup artists muscle appeared and assured that my friend pay up. Guess what. The leaders of my country I don’t respect...but that guy with the cups and ball has garnered as much respect as I can garner for one individual. He’s the poster child for the American Dream. He makes his own schedule, meets lots of interesting people, chooses the location where he wants to work and doesn’t have some irritating boss breathing down his neck all day. Sound good? Well you can do it to…with all those benefits from day one. But, if you don’t have the muscle to force people like my friends to pay up you have a stay at home job instead. With so many uncertainties in the corporate world today, all the forced overtime, missed moments with your family and every other difficulty with a traditional position, having a stay at home job is pretty much a no brainer. There are plenty of opportunities and options to choose from in regards to what type of stay at home job you pursue, so it almost seems that the most difficult part is making the decision to do it. From there, its your interests and abilities that will guide your new career and destiny. If your still not convinced that a stay at home job is right for you; consider again my hero in the red, velvet running suit. He made twenty bucks in five minutes; chew on that.



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    The Bond Market And How You Can Benefit

     

    In the investment world, there are two words we hear more than any others—stocks and bonds. While each can offer their own advantages and disadvantages, both should be included in your portfolio. As a general rule, stocks have outperformed bonds since 1926; returning 10.4 percent against government bonds’ 5.4 percent showing. However, when stocks go bad—and they will—bonds will always be there for you. Over short periods of time (like the bear market of 2000 to 2002) bonds easily outpaced the growth of stocks. However the world of bonds can be a confusing one, so let’s learn a little more about them. Why to get fond of bonds The first word in smart investing is “diversification”. That means you own a good mix of volatile stocks and steady bonds in your portfolio. When one takes a hit, the other will usually hold steady. Whereas stocks will only give you liquid results when you sell, bonds pay interest regularly, making them an attractive investment choice for retirees looking for regular income. Bonds are also some of the some of the safest investment choices you can make, second only to cash. U. S. Treasuries offer a risk free vehicle of stashing funds for a limited amount of time, and you’ll usually see modest gains while you’re at it. Also, many bonds provide income that’s tax free. That’s a good thing, even though most of these pay a lower yield than what you might get from taxable bonds. Bonds at work When you purchase a bond, you’re basically lending money to a corporation or the government so they can go about their everyday business or complete certain projects. In return, they pay you interest annually and then give back what you’ve invested once the bond “matures”, meaning its term ends. Now for a little lingo. A bond’s “par value” is the price paid for it when it was new. A “coupon”, is what the bond pays annually in interest. For example, a $10,000 bond paying 8 percent a year would have a coupon of $800. If you don’t buy a bond new, you’ll be purchasing from another person in the “secondary” market, and you’ll pay the current market price on the bond (which fluctuates daily) though still receiving the same coupon. A bond’s “total return” is all the money you will earn off of the bond. That includes the annual interest along with its loss or gain in the market. Bountiful Bonds There are a ton of bonds to choose from, but the safest choice is a U. S. Treasury. Interest and payments on these are guaranteed by the “full faith and credit” of the United States Government. Within Treasuries, there are several bonds to choose from, all requiring different investment commitments, terms, and interest rates. You can also choose from mortgage backed bonds, which can yield around 1 percent more than Treasury bonds with a typical $25,000 investment. Then there are corporate bonds. Most of these are issued in $1,000 denominations and have terms ranging form one to 20 years, or even a few weeks to 100 years. The values of corporate bonds depend on the credit of the company you’re bonding. Like everything else, it’s a risk reward proposition when selecting a corporate bond. Finally, you can also purchase municipal bonds in state and local governments and agencies. These are usually available in denominations starting at $5,000, with terms of 30 to 40 years. The great thing about municipal bonds is that your interest returns are typically exempt from most federal, state, and local taxes. Risk Reward Though bonds are typically less volatile than stocks, there are still risks. Interest payments can be worn by inflation. If interest rates rise, bond prices will fall. Also, some bond issuers reserve the right to “call” back bonds before term. If this happens, you’ll only get “par value” on the buy back, though “callable” bonds offer higher interest returns than noncallable bonds. Also, if a corporation you have bonded goes belly up, say goodbye to your money. Finally, bonds, as with most investments, are at the mercy of the ups and downs of the everyday market. Just remember, the longer before your bond matures, the more unpredictable it becomes.



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    Bwpb Basics Of Playing Paintball

     

    Paintball Basics Paintball is a safe, simple yet challenging and strategic sport that is played usually by two teams, each with at least two players. Adults and kids alike enjoy this sport as they often refer to it as an advanced or improvised game of tag. Tournaments attract many spectators of all ages, as it is a very exciting game to watch. Paintball games are of various types, however, the most popular game often played is called "capture the flag". The object or the goal of this game is for teams to advance to the opponent’s base, move the other team’s flag to its destined location, at the same time guarding your own flag. The paintball field has many obstacles such as tires, forts, old cars, hay and the newest are “inflatables” that are constructed as refuge for team players; making the game all the more exciting, as if participating in an actual game of war in videos. When one is hit, it can hurt briefly and at times give players bruises. Players are typically required to be in long sleeves shirt and pants, making sure that the color is not be identical as that of the judge and complete paintball gear such as mask, helmet and goggles for safety. The sport of paintball has a distinct and accurate set of rules that are strictly followed. The producer of the tournament is the absolute authority in regard to either an alteration or addition to the rules; marshals oversee the event, and their decision is always final. No dispute on the paintball field is accommodated or entertained. A military approach to paintball is useless, as that knowledge is recognized and understood by the teams. A team’s tactic should be carefully planned; your team’s line of attack will not be known by the opposing team, and there should be a quick switch of plans in case something goes wrong. There must be a lot of team work involved, as everyone moves through the field. As a team member moves, there should be others to guard and keep watch and give off covering shots when necessary. A team that moves together with a common objective will have a great chance of succeeding in this game. Communication in the field is also very important. A team mate can shout the position of the opponent. The moment that a player is seen, the game for that player is up; so there is no reason for you to keep quite; instead, inform the others the location of the enemy. The excitement of this game concludes when you are seen and eliminated a situation that all team players struggle to avoid.



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