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    Free Essay
    9.3 of 10 on the basis of 1324 Review.
     

     

     

     

     

     

         
     
    04 The Budget

     

    The Budget – The Ultimate Financial Management Tool A carpenter uses a set of house plans to build a house. If he didn’t the bathroom might get overlooked altogether. Rocket Scientists would never begin construction on a new booster rocket without a detailed set of design specifications. Yet most of us go blindly out into the world without an inkling of an idea about finances and without any plan at all. Not very smart of us, is it? 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. Just use any search engine you choose and type in “free budget forms”. You’ll get lots of hits. Print one out and work on it with your spouse or significant other. Both of you will need to be happy with the final result and feel like it’s something you can stick to. [Insert Your Resource Box Here] (Words: 333)



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    Edgerrin James 1999 Draft Day Pick

     

    Edgerrin James was born on August 1, 1978 in Immokalee, Florida. At 6 foot tall and 215 pounds James is known to be one of the most punishing runners in the NFL. And to go along with this size, James also has a high level of speed and strength. When you combine all of this with his knowledge of the game it is easy to see why he has become one of the best of the best. And it is safe to say that his career is only getting started. After a successful high school career James decided to take his game to the University of Miami. Despite scholarship offers from many schools he felt that he would do best staying in state. And this ended up being a great decision because by the time that he left school he had established himself as one of the top runners in its history. Although most of his records have been broken, there was a time when he was at the top of the list for many running back statistical categories at the school. In the 1999 NFL Draft James was selected with the fourth overall pick by the Indianapolis Colts. Soon after the draft he signed a seven year contract worth approximately $49 million. This was one of the largest deals in the entire draft class, and it did not take long for him to start earning his money. In his first season he was named the NFL Offensive Rookie of the Year by the AP. In fact, he won the NFL rushing title in both of his first two seasons. After a successful career with the Colts, James decided to take his game across the country to play for the Arizona Cardinals. His first season with the Cardinals was 2006, and thanks to a poor offensive line he had one of the worst years of his career. Edgerrin James will surely have his game back on track sooner rather than later.



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    How Insulin Affects Us

     

    The glycemic index helps us to understand which foods are best and worst for controlling our blood glucose levels. As we have seen, when blood glucose levels get too high, insulin is released into the bloodstream by the pancreas to help disperse the glucose. The insulin transports the glucose to cells needing extra energy. The cells have "insulin receptors" positioned so that insulin can bind to them, facilitating glucose entry and utilization in the cells. Once inside the cells, the glucose is burned to produce heat and adenosine triphosyphate, (ATP) a molecule that stores and releases energy as required by the cell. When cells become less sensitive to the effects of insulin, they accept less glucose, so more glucose than usual remains in the bloodstream. Result? The pancreas over compensates by working harder and releasing even more insulin. The combination of insulin insensitivity and insulin over production typically leads to one of two results: Either, the pancreas gets worn out and insulin production slows down to abnormally low levels. Result? We develop type 2 diabetes. (About 30 percent of cases) Or, the insulin resistant patient doesn't develop diabetes (because the pancreas continues to produce sufficient insulin) but, instead, contracts hyperinsulinism (abnormally high levels of insulin in the blood), which can cause chronic obesity as well as high blood pressure, high levels of triglycerides, low HDL (good) cholesterol, heart disease, and possibly some cancers. Low GI Foods Cause Lower Insulin Levels This is why experts are beginning to recognize the health advantages of following a low GI diet. Because lower GI foods are converted into glucose much more slowly, causing less insulin to be produced. This is not the last word on this subject, by any means. Research into insulin insensitivity and the relationship between insulin levels and obesity is ongoing. However, the overconsumption of high GI foods (and high fat fast food) is a major cause of concern. The new carbohydrate classification system known as the Glycemic Index rates the carbohydrate quality in foods according to its immediate effect on blood glucose level. Thus carbs that break down quickly into glucose during digestion, causing a rapid rise in glucose levels, have a High GI value. Those carbs that break down more slowly, are given an Intermediate or Low GI value.



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    Dietary Supplements Do We Need Them

     

    No dietary supplement can provide that, but with the assiduous use of vitamins and minerals, we can often achieve optimum health for our age group and certainly ease the symptoms of diseases we may suffer from. Dietary supplements can be divided into two main types; nutritional, (vitamins and minerals and amino acids) and botanical (herbal types). But is it really necessary for someone who is young and healthy to take dietary supplements? You may consider that your diet is healthy enough, but vegetables and dairy food can only be as good as the soil in which they are grown and many farmers will agree that their soil is worn out. Why else do they have to add chemical fertilizers at ever increasing rates? If the soil were farmed organically, instead of with an eye to profit all the time, it would be in much better health and so would we. Another point to consider is the freshness (or otherwise) of the products we buy. Most vegetables are at least a week old by the time they get to our homes. Although many are kept in cool storage, this length of time causes the nutritional value to greatly decrease. Fruit is often picked before ripe and put into cold storage for weeks or months, then when it is needed, hit with a gas to make it ripen quickly. This gas is supposed to be safe in small amounts, but it is carcinogenic…. Some dietary supplement exponents declare lack of magnesium to be a major cause of high blood pressure. People who have found the usual blood pressure medications to cause more discomfort than they cure tried out magnesium supplements and in some cases were able to stop using their prescription medication entirely within two months. Of course, you should never do this without consulting your health care professional. There are some people who claim that dietary supplements do nothing but give us expensive urine. That may be true if you have a super healthy diet and are therefore less likely to be lacking in vitamins, but health care professionals are increasingly advising extra supplements for those under stress such as illness, pregnancy, or periods of sudden growth spurts. If your tongue is inflamed and you suffer from loss of appetite, shortness of breath, are irritable, forgetful and mentally sluggish, you may have a folic acid deficiency. Folic acid is one of the B group of vitamins and most animal and plant foods are poor sources of it. The exception is liver which most people don’t eat a lot of these days. Some habits and diseases like celiac disease, alcoholism and irritable bowel syndrome, also play a major part in causing a deficiency of this vitamin, so if you suffer from any of these problems, ask your doctor if you need a supplement.



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    How To Get Permission To Quote Someone In Your Book

     

    Note: the following information was collected by posting many questions on forums for small publishers; in many cases it represents opinions and should not be taken as competent legal advice. As a compiler of a book of quotations, I sometimes get questions like, "How do I get permission to quote someone in a book?" or "What do the copyright laws say about quoting someone?" Here are a few things I learned while researching the subject for myself. To start, if you want to quote someone, you need to get permission from the author or publisher. Consider it to be a necessary step in writing your book. How do you go about doing it? I sometimes had success with sending the author/publisher a faxed agreement and having them fax back a signed copy. Other times they preferred to just send a quick email saying it's ok, as long as I agreed to provide a "by line" in the back of the book. Let me say this: it is hard getting "permissions". If you only have 1 or 2 to go after, it isn't too tough. But in my case, with a book of quotes, wow...it was difficult. Copyright law in this area is called "Fair Use". Fair Use says that you can copy someone without permission if it's for educational purposes or if they've been dead for over 50 years. Keep in mind that these two points aren't exactly 100% fool proof. You can still get in trouble. In my case, at a late stage in the publishing process, I decided to re compile my whole book using quotes from people all dead over 50 years. This was a bummer, since I had my heart set on a few really good quotations. Why did I re compile the whole book? Because it just became way too hard to track down so many "live" authors. Some people gave me permission to quote them, but other people flat out said "NO!" Before you can ask for permission to quote someone, first you need to find out who they are! How do you find out when they lived? When did they pass away? Google is great for this...especially if you type their names in quotes: ex. "John Doe". If you have a lot of people to track down, there are services that can do it...but I never found anyone who offered such a service. I called a few BIG publishers who said they have small departments that do this job. It's tricky, so they themselves like to stick to long dead people to quote. Apparently, a lot of people do quote other people without permission. Will the copyright owners find out? Will they care? Will they be honored to be included in your work? Will they look at it as promotion or damage? What if you can't locate the owner and you really "need" to use that quote? When/if the copyright owners find out, will they take legal action against you for a small quote? And, what if you provide a generous "by line" in the "Resources" section at the back of your book? Under Fair Use laws, they have to prove that your quote caused them financial damage. If it appears to have actually helped them, by referring people to their book/company/service/website, is that damaging? You decide. Also, it appears that the courts will take into consideration how big your quote is in relation to the work as a whole. If it's a small quote in a big book, some people say you're "safer". If you can't get permission, maybe you can find another similar quote, or perhaps you could reproduce/re write the idea into your own words...without blatantly plagiarizing. Your last line of defense would be writers/publishers insurance...which can or can't be expensive. Shop around. Spannet. org has some specials if you join their association. As one last thing to think about: please don't take my words as "Gospel" or competent legal advice. Check out publaw. com and ivanhoffman. com for some very good information on copyright law.



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    Bwp Parasail Preflight Checkup Tips

     

    Parasail Preflight Check Up Tips Normally, there are two methods in parasailing. There is the traditional towing, then there is the stationery pull in winch. These two methods allow parasailers to be flexible when operating high up in the air. What is a parasail? It is a parachute that lets individuals go high up in the sky. Designed to be pulled behind a boat or any 4 wheel vehicle, a parasail snaps the passenger up to take flight. Next thing the parasailor knows, he is soaring in the sky. The distance of the parasailor’s travels depends on the length of the tow rope. Parasailing has become popular all around the United States. Any one brave enough can try this fun and adventurous activity. Parasailing has been around as a recreational activity for about 30 years. Its designs have adapted to modern times that will allow any individual to take flight, as if he were riding a roller coaster. If you would to fly like a bird, then this is the flight for you. The flight is enjoyable and breathtaking. Those who have tried it claim that the parasail is stable and it lets the passenger take in each moment of the ride. Considering the fact that he doesn’t have to steer, all he has to do is take in the view. Landing is quite easy too. The tow vehicle must slow down and the parasailor must inch his way closer to where it is located. Nonetheless, the parasailor must be responsible for his safety. Also, the sportsmen and the ground crew must take care of the parasaling newbies as much as possible. Parasail pre flight check ups and inspections must be done. The gear should be meticulously looked at and it must meet the requirements a flight insures. The wind is a factor that is strongly considered. All take offs mustn't exceed 15 up to 20 mph. A test flight is done by a member of the ground crew. When all is safe, then that is when the parasailor wears his helmet and straps tightly to the harnesses that are hooked to the parasail. When the signal is given, then the flyer takes flight. He doesn’t have to run toward the towing vehicle. Instead, he resists the pull of the tower so that he can maintain his balance and keep the line tight. Just make sure that the equipment is checked before taking off. You will also need an emergency kit – to be on the safe side when the situation calls for it.



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    Grill Up An Easy Elegant Meal This Summer

     

    If you're craving a summer menu with more elegance than the standard hot dogs and hamburgers, but need something that won't keep you in the kitchen all night, try combining convenient items already in the pantry with elegant, easy to prepare foods. One starting point: canned Bartlett pears. Although enjoyable right out of the can, with a little imagination they can easily be added to the main course. For example, try them in a simple salsa served alongside mild grilled halibut for a delectable, light taste with a little kick. Not only a winning union on the palate, the recipe is also a healthy one canned pears contain no fat or cholesterol and are a good source of potassium and fiber. Halibut is an excellent source of protein and omega 3 fatty acids. Grilled Halibut with Sweet and Spicy Pear Salsa Makes 6 servings 2 cans (15 oz. each) Bartlett pear halves, drained 1/2 cup mango chutney 2 tablespoons chopped fresh parsley 2 tablespoons thinly sliced green onions 2 tablespoons sliced radishes 1/4 teaspoon ground cumin Red cayenne pepper, to taste 6 halibut steaks, 6 to 8 ounces each 2 tablespoons olive oil 2 tablespoons lemon pepper Set aside 6 pear halves. Dice remaining pear halves. In small bowl, mix diced pears with chutney, parsley, green onions, radishes, cumin and cayenne pepper; set aside. Brush halibut steaks on both sides with olive oil. Sprinkle with lemon pepper. Grill or pan fry halibut, cooking 3 to 5 minutes on each side or until fish just flakes when tested with a fork. To serve, place halibut on serving plate. Arrange pear half next to fish. Top with pear chutney mixture. Nutritional Information (per serving): Calories 371, Protein 36g, Carbohydrate 38g, Fiber 4g, Fat 9g, Sodium 494mg, Cholesterol 55mg.



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    The Basics Of A Good Home School Course Program

     

    Reading, writing and arithmetic form the core studies that compose the basic curriculum for school grades one through 12. This basic curriculum is the same whether public, private and home schooling. The major differences between the three types of schooling are that a public and private school setting is the delivering of education to children in a social setting and facilitated by professional instructor. Home school courses are taught to a child, and usually, within the confines of the family's home under the teaching supervision of a parent. Obviously, it is the desire of parents to provide the best education available for their children. Coupled with this desire is to control the educational environment as much as possible. Those controls include the provision of a safe environment and an education that reflects the values and beliefs of the child's parents. These are two reasons why so many parents today have chosen to enroll their children in a home school course program to meet the educational needs of their kid. There are four basic types of a home school course program that you can choose from. It includes home schooling through the Internet, computer software, videotape instruction and from textbooks. Each of these type of a home school course is acceptable and should be selected by keeping one overriding factor in mind. That factor is based on choosing the program that best suits the learning style of your kid. For example, some kid are very visual in their learning process. Therefore, you may wish to consider the videotape instruction which is more appropriate. If your child enjoys working at the computer then perhaps the best home school course program to enroll in is through the Internet. With home schooling becoming more popular, it is important to consult with the various levels of government that oversee the education of child. It is important that your home school course meets the educational guidelines as imposed by those governments. Length Of Study In Home School Because any home school course is facilitated by a parent or legal guardian of the child, the pace at which the children learn is completely up to the parent. However, there must be steady progress in the child's educational process. If you choose to access the classroom materials via the Internet, often the Internet provider will grant to a license of up to 365 days for completion of that particular program course or curriculum. Testing In Home School In addition, many of the governments require that children enrolled in a home school course be tested to assess the learning being gained by the child. Some of this testing is required to be done on a yearly basis while some states require that testing be done every other year, it depends. Often, the test is administered by the parent teacher and can be submitted in accordance with the rules and regulations surrounding the home schooling. Even if this is not a requirement in the area where you live, it is often a good idea to have your child tested on a yearly basis. This will help you to evaluate the curriculum as well as the progress you and your child are making in hid study.



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    Connect With Your Child But Don'T Overdo It

     

    Connect with Your Child but Don't Overdo it We all want to connect and be involved with our child. Children of involved parents generally feel more confident, assured and have a higher level of self esteem. They excel in school and do well in extracurricular activities and with their hobbies. But is there such a thing as too much involvement? It's imperative when you're becoming involved with your school aged child's activities and academics that you recognize the line of what being too involved can be. Remember, you're becoming involved in your child's life. It's important that you don't intrude too much upon it. Children need their space and privacy and they need to be able to develop their own skills, talents and abilities. In our eagerness to help our child succeed, it's tempting to want to step in and start doing things for them because you feel they are doing it incorrectly or inadequately. But remember, you had to learn too, and this is their chance to learn on their own. Be there to encourage and support your child, and offer praise at a job well done. But also remember to step back and allow your child to learn from their own mistakes, and to develop their own way of doing things. We all know from our own life experiences that there's always more than just one way to do something, and just because your child is doing it differently than you would doesn't make it wrong. Who knows, it could present a terrific opportunity for you to learn from your child as well. In addition, try not to become too overbearing or nosy when it comes to their social life. Be available for them should they need to talk and encourage them to share their troubles with you so you can help them sort through a problem. But if they say they don't want to talk about it or they just need some time to figure things out for themselves, respect that need by letting them know you're available whenever they need you. This is an important part of growing up and allowing a child to figure his own way through things is an integral part of that process.



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    Obtaining A Free Car Insurance Quote

     

    Insurance is one of those things that we all need to protect us from the unforeseen. When it comes to obtaining coverage for our vehicles many of tend to find one insurer and stick with them. However, smart consumers know that by being a comparison shopper when it comes to obtaining coverage can significantly reduce their monthly premiums. Many insurers have made being a smart consumer easy by offering the ability to get a free car insurance quote directly through your computer. One of the largest insurance companies out there that focuses most of its marketing efforts and sales online is Progress Auto Insurance. They are unique in that they not only will give you their rates, but also provide rates from competing companies. Many times they are the lowest, but on occasion other companies can beat their rates and they actually encourage you to use the other guy if they can't match or beat the competition! Talk about customer service! Of course, there are hundreds of insurers you could use. Since you probably don't want to spend days or weeks online or on the phone getting quotes it is best to narrow your selection down to about 10 companies and go from there. Remember, the reputation of the company is as important as the rate you receive you want an insurance company that will be there for you, not just one that collects the premiums and then disappears into the night when you need to file a claim. Once you find an insurer with a good rate you might want to do a little background research on them online by seeing what others are saying. How is their customer service? What about claims handling? Do they offer low rates at first and then raise them significantly when it comes time for renewal? Being a smart consumer means you will be able to find the best deal to meet your insurance needs while making sure you have a reputable company to stand behind you if you are ever involved in an accident.



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    Creating Your Own Blogging Site Can Make Money

     

    Creating Your Own Blogging Site Can Make Money The internet has plenty of blogging sites and resources. There are thousands of blogging sites and almost a hundred contain topics such as yours. To compete with the thousands of blogging sites, you need to create your own style. It is always easy to have your own blogging site because blogging sites allow users to set up an account for free. You just need to fill out some forms and you’re done and you can start posting anytime you want without the expense. You can also add related links to your own blogging site. You do not actually have to be a wizard if you want to create your own blogging site. Most of the people who keep up their own blogs are enthusiasts and common people. If you have your own blogging site, you can converse with someone and learn about their comments. If you have a blogging site, it will be easy for you to market yourself and make benefits from your products provided that it has all the important facts and that can keep your customer interested. Setting up your own blogging site means that you are creating a little space on the Internet where you can update and make posts on your own with just about anything that interests you. Of course, your blogging site will have variety of topics within your specialty. If you want to make money with your own blogging site, you need to have multiple blogs with different topics. If not, your blogs will be too messy if all topics were all posted into one blog. Now to have a good blogging site, you can post anything from your hobbies to your interests. There are lots of people who can get interested in reading your blogs. If your blog is interesting and can give knowledge to the people, they might visit your blogs more often. In having a good blogging site, you need to come up with interesting topics. It is important that you know your target and you know what they like to read about. If you personally love dogs or a certain type of pet, you can write about it and post it in your blogging site. You can include useful information that the readers may be interested about. Blogging sites are a good resource for knowledge and information. If not, what will be its use anyway? If you have your own blogging site, you can start using Adsense to it. Adsense program can give you enough money and increased traffic out of your blogging site. If you want to upgrade your own blogging site, you need to have at least 10 15 pages which has relevant contents. You also need to have 5 posts on your blog. To apply Adsense in your blogging site, it should have an interface that is easy to use and it has to be clean. All pages must be working and it should not contain broken links or under construction pages. It should not contain popups and animated gifts. Your blogging site does not need professional designs. It can stay simple because designs are not the main requirement. If you have simple designs and a simple site overall, it will have more chances to get searched in the search engines. Users will also find your site easy to navigate because it is readable and not confusing. PPPPP Word Count 343



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    How To Repair Bad Credit

     

    The first step needed to overcome a bad credit is to snatch a copy and take a look into your own credit report because incorrect information on your credit report will only make matters worse if you already have a bad credit rating. According to the US Public Interest Research Group, one quarter of the credit reports ordered contained errors. You can order a copy of your credit from three credit reporting agencies – Experian, Trans Union and Equifax. You are entitled to one free copy of your credit report per year, and each time you are refused credit, employment or insurance. If you are sure that there are false Statements on your Report, write a letter to each of the Credit Reporting Agencies. Explain the questionable items in detail, and provide proof to back up your claims (Paid Receipts for example). Investigation takes 30 days, and decision will be made after that period. If you are planning to get professional help, be aware of your rights as a consumer outline in the Credit Repair Organizations Act (CROA). According to some of the provisions provided by this Act, the credit repair company cannot make false claims about their services, or charge you until they have completed the promised services, must have a detailed description of the services to be performed, duration, and guarantees if they can offer any. One important step that can be really helpful in repairing bad credit is to negotiate with your creditors for a repayment plan keeping in mind how much you can afford and intend to pay. It may also be possible to get them to remove the charge off from your report and replace it with "paid as agreed" by offering to pay a certain amount per month. Many creditors agree to remove the negative from credits report in return for payment because they are sure that the will get their money back this way. You can also try to get them to drop the interest too in exchange for a lump sum as first payment. Another action that can be taken in order to deal with bad credit is to get help through a credit counseling company. Many universities, military bases, credit unions, housing authorities, and branches of the U. S. Cooperative Extension Service operate nonprofit credit counseling programs. These agencies can advise you on managing your money and debts, help you develop a budget, and offer free educational materials and workshops, information and referrals. Certified and trained counselors will discuss your entire financial situation with you, advice and help you to develop a personalized plan to overcome your financial problems. Here are some other important steps that can be taken to improve bad credit: 1.Pay all of your bills on time, which accounts for 35% of your FICO score. 2.Get a secured credit card to help reestablish your credit 3.Request in writing to your creditors to reduce the credit limits on your accounts to lower your amount of available credit since the total amount of available credit is considered by lenders even if you owe nothing. 4.Request in writing to your creditors to close some of your credit card accounts and report this status change to all the three credit reporting agencies.



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