Top brands of birth control condoms

For couples who are not yet ready to start having children, the only solution for this dilemma is to take a reliable and effective birth control method. Today, many forms of contraceptive methods are introduced and promoted to be used by millions of sexually active men and women worldwide. In fact, there are many methods to choose from. It is up for couples to decide and plan which methods and practices would best suit their health conditions as well as needs. Perhaps, one of the most popular and widely used forms of birth control is the condom, which is available for both men and women. Condoms are not only cheap and easy to use, but they are also known as among the most effective and convenient forms of contraceptive products. As for availability, condoms can also be acquired almost anywhere – drugstores, convenience stores, and even department stores. Apart from efficiency in preventing pregnancy, condoms also protect men and women from acquiring sexually transmitted diseases. Overall, condom is, indeed, the best choice of birth control if one is looking for an effective and reversible form of protection. With the popularity of condoms among sexually active men and women, there are also numerous product variations available in the market today for consumers to choose from. Below are some of the most sought-after brands of birth control condoms that are widely available in the market today: 1. Trojan condoms Trojan, which is also the manufacturer of Trojan ENZ, Trojan Magnum, and Trojan Warm Sensations, is known to be the leading condom brand in the United States. This condom brand offers wide variation of packs. Trojan condom prices range from seven to 10 dollars, depending on number of packs. 2. Okamoto condoms Among the top condom brands out in the market today, Okamoto condoms are known to be the most reliable packs. These condoms are made from Sheerlon, a material that is well-acclaimed for its sensuous and natural feel. One of the best brands of Okamoto condoms is the Crown, which is noted for being the thinnest condom available on many stores today. For a different protection experience, try Okamoto's Crown condom for men. 3. Lifestyle condoms For condoms that are available in different lubrication variations, Lifestyle condom is the recommended brand to sexually active men and women. Lifestyle condoms vary in spermicidically lubricated, non-lubricated, and lubricated styles. This popular condom brand also comes in variety packs for those who prefer to try and check out the brand's assortment styles. 4. Elexa condoms Elexa is one of the preferred condom brands today by many people. These condoms are inexpensive, convenient, and very easy to use. Elexa and other safer sex products are also available on various online stores that sell contraceptive products. 5. Inspiral condoms Called as the revolutionary brand of condom, Inspiral's loose spiral makes a sliding action once used, giving stimulating sensation to both partners. Inspiral condoms are also notably thicker, thus, providing better protection from leaks or sexually transmitted diseases. Since an Inspiral condom has a thin texture, it is more durable and stronger than other condom brands.

Motivate unmotivated students with these surprising motivators

So many youth believe that they are already prepared to live independently, and don't need anymore training or education before embarking on life on their own. Here are some very creative ways to show youth that education will be essential to their future. All these interventions focus on common adult transportation problems. If your youngsters don't readily have the answers to these adult situations, perhaps they also don't "know it all" about other key adult independent living issues too. ** Off the Road Again Explain what happens when you hydroplane, and when you hit black ice; how do you try to still stay on the road? Answer: When you hydroplane, your car floats on a sheet of water caused by rain on the road. Black ice is ice on the road that you may not be able to see. Black ice can be present before any evidence of icy or dangerous driving conditions is obvious and can send you flying. Slow down and avoid turning your wheels abruptly. Perhaps people think about all those science classes that they skipped as they hydroplane off the road or fly through the air on black ice... ** Say Good Bye to a Good Buy You're buying a car. The dealer says that they will add the option you want to your car on Thursday. What is an option, and what do you say? Answer: An option is a feature that can be added to a car, such as a cassette player. You say "I must see the option on the car before I pay." Once you have paid for the car, the dealer has no incentive to follow though, and you lack any clout to gain compliance once you pay. ** Do You Know the Way to San Jose-- Today? Name a good site on the internet to get free directions to anywhere in the US then show how to use it by finding the way from where you are right now to San Jose. Answer: Some great, free map sites include mapquest, mapblast, travelocity, anywho and charlotte. ** Filling Up Can Drain You You fill up your gas tank at a gas station. Later, you write a check for another purchase; the check bounces. You know you had over $100 in your account. What happened? Answer: You used your debit card to buy gas and gave your card prior to the gas being pumped. The gas station put a "hold" on $100 of your checking account funds. Next time, don't use a debit card, or wait to use the card until the amount of gas purchased is known. Then you'll only be debited for the amount you bought, not the amount you might have bought. ** Insure It You total your car. You and the insurance company finalize the amount that you'll be paid for your car. Their check arrives but it's missing $250. What happened? Answer: The $250 was your deductible. ** It's Classified You need to buy a car. Ads refer to "OAC," "AC," "4D" and "4WD." Translate. Answer: OAC means "on approved credit," that if you are deemed worthy of credit, they will loan you money to buy a car. AC is air conditioning. 4D means four doors, but 4WD means four wheel drive; got all that?! ** Did You Know That Cars Can Swim? You're about to get a good deal on a used car. How can you tell if the car has been for a swim? Answer: Sometimes that good deal means that the car has a soggy past. For example, after a flood, cars can be restored to look and smell okay, but may have hidden problems from time underwater. Use the internet to search a car's past and discover past collisions and even undersea adventures. Want more strategies like these? These strategies are taken from our Maximum-Strength Motivation-Makers book. We have many more lively, compelling strategies just like the ones here. ( youthchg/guide. html).

Bathroom vanities the focal point

When it comes to dйcor in the bathroom, there are only so many things one can do with most elements of the bathroom. There are only so many colors a person can paint their walls or have their tiles. One element of a bathroom stands out above most others, though, in its ability to completely change the look of a room. What feature has such remarkable power over dйcor? The answer is bathroom vanities, of course. Bathroom vanities are able to set the mood for the whole room from their style, and are inevitably the focal point of a bathroom's dйcor. With bathroom vanities playing such a vital part of the dйcor in your bathroom, the different styles of vanities available obviously merit some consideration. Finding the right vanity can be a bit tricky, but it is well worth the effort. A vanity can, after all, do a number of things for your dйcor. Firstly, the right vanity can fit perfectly into your dйcor and become the central point that brings your whole room together. On the other hand, finding a vanity that catches your eye can just as easily be the thing which inspires your dйcor. In this case, rather than being the thing that brings your room together, it is the starting point on top of which you build your room. Whether it is the focal point or the cornerstone, though, there are nearly endless different bathroom vanities available. Each one will have a different effect on the room. But with so many possibilities, it is easy to get caught up in the impact that the flashy and dramatic styles have. It is, however, important to remember that in many cases simplicity is the best way to go. Your basic vanity usually consists of a countertop with an inlaid sink, as well as a mirror, and often some form of cabinet underneath. This design is quite adequate to fit into most decors. The vanity itself can be stained wood, or painted, whichever works best, and the countertop can be any number of surfaces. The greatest advantage of going with a more basic model is that it will give your room a kind of simple elegance that models that are more glamorous may lack. If you do wish to go with a somewhat more unique model, though, you have a number of choices. If your dйcor demands bathroom vanities that are more ornate, you may want to look into a model with a hard wood countertop, and perhaps a more out of the ordinary sink, to give your bathroom a very up scale feel. If bathroom vanities of a more wild nature strike your fancy, you can even find a few models that may turn a few heads for an entirely different reason. For instance, a plastic counter top and sink complete with shining chrome exposed piping will lend your bathroom a futuristic flare. Dull metal counter tops and blockier construction can be used instead, if you want to go for an industrial look. Copyright © Jared Winston, 2006. All Rights Reserved.

Skills for the beginning mountain biker

Mountain biking is a fun sport but it is also dangerous. However, participants can lesson their chances of injury by taking a few precautions. First off, of course, they should have the necessary skills before even getting on the mountain. Practically anyone can get on a bike and ride around their neighborhood, go across flat countryside or ride up and down hills, but when it comes to mountain biking, the rider should have certain skills before giving it a try. Depending on how long you've ridden your bike, it's quite possible that you do have these skills - so let's just run through them. 1) Feel the pedals Are you used to keeping your feet on your pedals at all times? Of course you are. But when you're mountain biking (or doing stunts), feet come off the pedals... and have to be able to find them again without hesitation. So practice taking your feet off the pedals and replacing them...this will instill "muscle memory" so your feet always will know where the pedals should be at any given time. 2) Shift the gears If you live in a flat area, you probably don't do a lot of gear shifting. This will change when you get on the slopes, so find yourself a hill near your home and practicing shifting as you go both up and down. Also, if you get tired just biking up a regular-sized hill, you'll want to do some wind sprints up that same hill for a couple of weeks before you decide to take on a mountain. 3) Stand up for yourself Most people sit on their bikes while they ride, but again, on a mountain bike you don't have that luxury. You'll be off your seat more often than not. So practice coasting along while standing, and then pedaling while standing....and don't do it for just a few yards and then stop. 4) Before you go hurtling down Mountain biking is a dangerous sport, and you should always wear a helmet, and knee and elbow pads. And when you're practicing going over curbs - the same should apply. You want to practice going up and over curbs to get the feel of doing it on a hill. You know your own bike best - exactly how high can an obstruction be before you can't go over it with your bike? Probably about six inches. Going off a curb is another thing entirely. As long as you have good balance and strong hands to keep your front tire straight, you can get quite a bit of "air" before hitting the ground again - but you need to know the ground you'll be landing on to ensure that there's no obstructions that will get in your way. So always ride a downhill trail relatively slowly the first time, before you go full out. But back to practicing. Check out the curbs in your neighborhood, and - while wearing your safety gear and making sure there's no traffic in the area - practice going over them at different speeds. If all the curbs are of the same height, you'll have to increase them using man-made objects such as ramps. However... you learned to crawl before you could walk, and by the same token, become very comfortable on those short curbs before you try to increase the height and air of your jumps, and always wear your safety gear while you do it. There's no need to be impatient. Work on your skills first, then tackle a beginners mountain biking trail or two to perfect your skills even more. Once you've got the skills, mountain biking will be a breeze!

How to end the frustration of insomnia

Insomnia is a common sleep sickness that has bothered many people around the world. But the consequences brought about by this disorder may not be as ordinary as it may seem. It can be downright punishing. You know the frustration of looking repeatedly at your clock while endlessly moving around in your bed. It's mental and emotional agony to say the least. The tension builds up to its peak when you see the sunrise, and you have to go to the office lacking so much energy after spending a sleepless night. You don't have to suffer anymore. Here are some tips to help you snooze faster than you could ever expect. 1) Wake up and go to bed at the same time everyday, even during the weekends. Some insomniacs tend to sleep at any time of the day to catch up on some sleep they lose during the night. Now this is the biggest mistake you can make. It ruins your body clock and will only worsen your insomnia. If you can't sleep one night, get up the usual time the next morning. You'll be sleeping soundly like a baby the next night. 2) Don't eat within 4 hours before you go to bed. If in case you went hungry, try some crackers or light snack. But don't indulge in an "eat-all-you-can" feast right before bedtime. Your food won't be digested well, resulting in poor and uncomfortable sleep. 3) Don't drink caffeine or alcohol. Caffeine can obstruct your ability to sleep. Alcohol can make you drowsy, but it can wake you up in the middle of the night and bring you side effects that will hinder a continuous sleep process. 4) Relax and stay fit. Avoid having a stressful lifestyle. Exercise daily to release tension. Engage in breathing exercises to relax your body. Most important of all, don't carry your problems or emotional baggage to sleep with you. Forget about it for the mean time. You can go back and solve your dilemma better the next day after a restful sleep. 5) Never force yourself to sleep. Trying your best to sleep requires some work. You don't want to work when you want to doze off. Sleep comes best if you are in a relaxed and comfortable state. Just lie down, relax, and let the sleeping fairy cast its spell upon you.

Business credit cards

Competent accessories are the forte for setting up any business empire today. And if the tool gives you maximum benefits and least tensions, it is indeed a boon in disguise. Business credit cards with its multifaceted twin benefit system — of simplicity in application and of churning out a lot of profits for the owner are truly designed for people who want to make a mark in the business world. A boon it is. From looking after your daily operations to organizing your business expenses to guiding you towards saving money, business credit cards are the real managers behind a successful entrepreneur. What makes it more popular is that its application is not complicated at all. And you have varieties to choose from. There are business credit cards designed to suit entrepreneurs with poor credit history and then there are those made especially for the corporate business owner. Some of the bigger players of credit cards nee Visa, MasterCard, American Express, Discover, and a host of others pride themselves with having created the perfect card for any business owner. The onus is on the customer to pick and choose the best credit card to suit his type of Business Empire. Once you have done that just sit back and enjoy doing business because the credit card that you have actually pocketed will do your business for you. Financial advisors oft advise that business and personal expenses should be clearly bifurcated to avoid tax complications that could arise later on. For this reason alone, it is advisable to keep these business credit cards that will easily categorize business and personal expenses. No need for you to keep any receipts either. By large the best part of these cards is the profit-generating factor attached to it. One will get much more than you would have dreamt of. Sample this, office supplies can be discounted, free travel accommodations can be earned, and you can earn as many discounts and offers on your card. The bonus benefits like rewards for holding the card are really the icing on the cake. Each of the card big names has something lucrative and irresistible to offer. While everything sounds hunky dory, there is a word of caution too. Low introductory rates, unrestricted spending limits, and cash advances are all attractive but each one can lead you to trouble. Where cards with high introductory rates could land your business in trouble and could result in no savings. On the other hand if you have no control over what you spend, you could end up paying much more and saving much less. Remember you have to pay a due amount every month. So check your limits. Lastly one has to be careful with cash advances too. While cash advances allows an owner to access cash during periods of low cash flow, most cards have extremely high interest rates and extra fees attached to advances. If measured in a beam balance one is sure to find out that the high points outweigh the low points with quite a big margin. As for the rest, the choice is all yours

Building courage to improve your personal life

Building Courage to Improve your Personal Life When you build courage, you start to improve your personal life. Building courage will help you take risks to a brighter future that you ordinarily would not take. When you build courage, you put fear behind you. courage is the process of admitting that you have fears, yet you are willing to find a way to defeat those fears and not allow these fears to take control of you. It is ok to experience your fears at appropriate times. For instance, if a bus is heading in your path, swerving you have a right to fear. There is nothing wrong with healthy fear. The problem is you have to put healthy fear in its place and unhealthy fear out of your life. Once you build courage, you will learn to self-direct you in life. You will learn to accept punishment and rewards gracefully. A courageous person will often feel motivated to accept blame and responsibility while reviewing their actions and using what they learn to move forward. Courageous people will step to the front, rather than stepping back when opportunities come their way. On the other hand, a courageous person will step back and take a view at his or her mistakes gracefully. Sometimes the courageous person is spontaneous. It is never good to plan each day, because no one knows what the next day will bring in. Think about it. How many times have you planned something all to see it shatter in your face the next day. For instance, I plan to go to the ballgame tomorrowe tomorrow a blizzard, hurricane, tornado, wind storm, or rainstorm could change your mind. You planned, but did you plan for the weather. Did you make a backup plan in case your first plan failed. As you can see, planning is not always in your favor, which is why courageous people are sometimes spontaneous. A person willing to improve their life will relax. This person will relax even when plans fail. For instance, if it stormed the next day the person will find something else to occupy his or her time and feel just as happy about joining this adventure. To become successful and improve your life you will need to learn how to trust you. When you trust you, you can trust others as well. Unfortunately, we live in a world where trust is hard to find, yet when you trust you, you can’t blame others when things go wrong. Improving your life includes using your creative and critical mind. When you can create new ideas, you are off to the road to success. You have many options in this world, it takes you to pull up resources to find those options. Sometimes in life, we feel uncomfortable. In fact, this is common. Are you willing to accept your discomforts? Perhaps at an interview you feel misplaced. Are you willing to accept this discomfort and find a way to deliver a good speech to impress the interviewer. Alternatively, are you willing to allow negative energies cost you the job. Do you accept? Do you accept the things you cannot change? Do you accept the things you have control over? Do you accept other people regardless of how these people act? Do you accept you for who you are? Do you accept the changes that life brings your way? Acceptance is your key to happiness. When you can learn to accept the good with the bad, you can learn how to live happier and improve your personal life. If you cannot accept however, well, reread this article again.

Is it a heart attack signs and symptoms

While you may be aware of the most common signs of heart attack, there are some variances between men and women. In addition, there are also less obvious, but just as import symptoms of which you need to be aware. The most common symptom of a heart attack for both men and women is persistent chest pain or pressure that does not go away when you sit or rest. If this is experienced, immediate emergency help is required. Even if it is not a heart attack, this could be a symptom of heart disease or other serious problems. Other symptoms of a heart attack include pain that radiates through the shoulders, back, arms, or jaw. Less intense chest pain accompanied by shortness of breath, dizziness, or nausea should also be taken seriously. These could be signs of a heart attack or something else, but is better to find out immediately. Women may experience other symptoms not normally associated with a heart attack until recently. Women are more likely to experience the "milder" warning signs such as shortness of breath, dizziness, anxiety, fatigue, and cold sweats. Women may also experience similar signs days or weeks prior to an actual attack. If you are experiencing any of these symptoms, make an appointment with your doctor to be monitored for heart disease. Adults of all ages can be affected by heart disease, although many people still consider it to be something that only older adults need to be concerned with. Certain risk factors add to heart disease, including tobacco use, high blood pressure, diabetes, and high cholesterol. Some of these risk factors can be lowered through proper care and exercise. Seek help to eliminate tobacco use, add an exercise program to your daily routine, and change dietary habits to lower cholesterol. If you have diabetes, follow your doctor's recommendations on taking proper care of yourself and monitor your blood sugar levels on a regular basis. Lifestyle changes can be difficult, but many resources exist to help you make these changes. Your doctor will have plenty of information on all the major risk factors. You can also find additional information from organizations such as the American Medical Association. If you find yourself in a situation where you are experiencing the signs of heart attack or warning signs of heart disease, be sure to describe accurately all your symptoms. Some people try to appear "tough" and minimize their symptoms. Others may feel that they are being a bother or overreacting to the symptoms, particularly if they seem mild. However, if your caretakers do not have an accurate picture of your symptoms, they may not be able to diagnose your condition effectively. This is particularly true of early warning signs and symptoms. It's much better to address heart disease as early as possible rather than finding yourself needing an emergency quadruple bypass. Of course, genetics play a role, but this is even more of a reason to monitor your health closely and any potential warning signs. In general, the healthier a lifestyle you can maintain, the better off you are, for both coronary and general health. Be sure to have a complete medical evaluation completed by your doctor, particularly if heart disease runs in your family. Eat a varied diet that includes fruits, vegetables, fish, and healthy oils. Maintain a regular exercise program, and try to keep your weight within a healthy range (your doctor can help you with this as well). Additionally, make an effort to keep your stress levels at a healthy level. When you take care of your health, you can significantly reduce your chances of suffering a heart attack or other coronary disease.

Changing attitudes towards i. o.u. s

Changing times give rise to changing attitudes. With education and the growth of industry, so much of what we previously believed in has become obsolete. Schooling has become essential for people of all classes today. Educated people are no longer limited to only the privileged upper classes. Governments all around the world have for quite some time recognized the importance of raising the literacy levels. The changing attitudes are not just visible in the field of education. Gender issues have also been affected by the changing times. Women are no longer permanent fixtures in front of the hearth. They now have the freedom to venture out in the world to find their fortunes. Finding one's fortunes is no longer limited to the men of the world. Moreover, it has become easier than ever before to actually find one's fortunes. This is partly due to the immense growth in the world of personal finance. To what can we attribute this growth in the field of personal finance? One of the reasons will have to be the changing attitudes of the people. There was a time when people felt embarrassed to go out and ask for loans. Then, they simply waited for conditions to get better till they became convinced that no further improvement was possible. It was only then that they decided to go out and get some loans to help them out of their monetary woes. Times have changed a great deal. Today, people have no qualms about going to a bank or some other financial institution to avail of loans. They know that they will not be laughed at or insulted. Banking representatives are well trained in the arts of politeness. So even while rejecting a client, they use the softest words possible. Gone are the days when people developed goose bumps at the mere thought of having to go to a moneylender. These days it is normal procedure to walk into a bank and check out for yourself the loan deals that are available to you. Thanks to the changed attitudes of the people at large, banking institutions have taken it upon themselves to make life easier for all those who are trying to improve their lots in life. As a result, our world is overflowing with loan offers that pertain to houses, cars, education, home improvement and more. Working up a tab is no longer a bad thing. After all, credit cards have turned into status symbols. And all this is thanks to changing attitudes.

Using your health savings account to build retirement savings

Health Savings Accounts are an excellent way to build a second retirement account. These tax-favored accounts, which have only been available since January of 2004, can be opened by anyone with a qualifying high-deductible health insurance plan. Once you open an HSA account, you can place tax-deductible contributions into it, which grow tax-deferred like an IRA. You may withdraw money tax-free to pay for medical expenses at any time. The biggest reason more people don't retire before age 65 is lack of health insurance, and many Americans reach age 65 woefully unprepared for the medical expenses they'll face once they do retire. One of the most important long-term reasons for establishing an HSA is to build up some money for medical expenses incurred during retirement. Fidelity Investments reports that the average couple retiring in 2006 will need $190,000 to cover medical expenses during retirement. This assumes life expectancies of 15 years for the husband and 20 years for the wife. HSAs are, without exception, the best way to build up money to pay for medical expenses during retirement. You should not contribute any money to your traditional IRA, 401 (k), or any other savings account until you have maximized your contribution to your HSA. This is because only health savings accounts allow you to make withdrawals tax-free to pay for medical expenses. You can take these distributions anytime before or after age 65. Your HSA contributions won't affect your IRA limits -- $3,000 per year or $3,600 for those over 55. It's just another tax-deferred way to save for retirement, with the added advantage being that you can withdraw funds tax-free if they are used to pay for medical expenses. For early retirees who are healthy, a health savings account can also be a smart option to help lower their health insurance costs while they wait for their Medicare coverage. The older someone is, the more they can save with an HSA plan. For many people in their 50's and 60's who are not yet eligible for Medicare, HSAs are by far the most affordable option. Any money you deposit in your health savings account is 100% tax-deductible, and the money in the account grows tax-deferred like an IRA. For 2006, the maximum contribution for a single person is the lesser amount of your deductible or $2,700. In other words, if your deductible is $3,000, you can contribute a maximum of $2,700; if your deductible is $2,000, then that is the maximum. For families, maximum is the lesser of $5,450 or the deductible. If you're 55 and older, you can put in an extra $700 catch-up contribution in 2006, $800 in 2007, $900 in 2008, and an additional $1,000 from 2009 onward. The contribution limit is indexed to the Consumer Price Index (CPI), so it will increase at the rate of inflation each year. How much you accumulate in your HSA will depend on how much you contribute each year, the number of years you contribute, the investment return you get, and how long you go before withdrawing money from the account. If you regularly fund your HSA, and are fortunate enough to be healthy and not use a lot of medical care, a substantial amount of wealth can build up in your account. Health savings accounts are self-directed, meaning that you have almost total control over where you invest your funds. There are numerous banks that can act as your HSA administrator. Some offer only savings accounts, while others offer mutual funds or access to a full-service brokerage where you may place your money in stocks, bonds, mutual funds, or any number of investment vehicles. One of the biggest advantages of retirement accounts like HSAs are that the funds are allowed to grow without being taxed each year. This can dramatically increase your return. For example, if you are in the 33% tax bracket, you would need a 15% return on a taxable investment to match a tax-deferred yield of only 10%. As another example, if you are in a 33% tax bracket and were to invest $5,450 each year in a taxable investment that yielded a 15% return, you would have $312,149 after 20 years. If you put that same money in a tax-deferred investment vehicle like an HSA, you would have $558,317 - over $240,000 more. Because catch-up contributions are allowed only for people age 55 and older, if one or both of you are under age 55 you should establish your HSA in the older spouse's name. This will allow you to capitalize on the expanded HSA contribution limits for people in this age range and maximize your HSA contributions. Once that person turns 65 and is no longer eligible to contribute to their HSA, you can open another health savings account in the younger spouse's name. Strategies to Maximize your HSA Account Growth If your objective is to maximize the growth of your HSA in order to build up additional funds for your retirement, there are three important strategies you should implement. Strategy #1: place your money in mutual funds or other investments that have growth potential. Though this is riskier than placing your money in an FDIC-insured savings account, it is the only way to really take advantage of the tax-deferred growth opportunity that an HSA provides. Strategy #2: delay withdrawals from your account as long as possible. Though you may withdraw money from your HSA tax-free at any time to pay for qualified medical expenses, you do have the option of leaving the money in the HSA so that it continues to grow tax-free. As long as you save your receipts, you can make medical withdrawals from your account tax-free at any future date to reimburse yourself for medical expenses incurred today. As an example, let's say a 45 year old couple places $5,450 per year in their HSA over a period of 20 years, they have $2,000 per year in qualified medical expenses, and they get a 12% return on their investments. If they withdraw the $2,000 from their HSA each year, they'll have a net contribution of $3,450 per year into their account, and they'll have $248,581 in their account when they begin their retirement years. If on the other hand they delay withdrawing that money, they will have $392,686 in their account at age 65. If they choose they can withdraw the $40,000 to reimburse themselves tax-free for the medical expenses incurred during that 20 year period, and still have $352,686 in their account - over $100,000 more than if they had withdrawn the money each year. Strategy #3: make the maximum allowable deposit to your HSA at the beginning of each year. Even though you are allowed until April 15 of the following year to make deposits to your HSA, you should take advantage of the tax-free growth in your account by funding it as soon as possible. The extra interest you can earn by contributing to your account on January 1 of each year rather than the next April 15 can amount to over $40,000 in a 20 year period, and over $100,000 in 30 years. Using Your HSA to Pay for Medical Expenses during Retirement When you enroll in Medicare, you can use your account to pay Medicare premiums, deductibles, copays, and coinsurance under any part of Medicare. If you have retiree health benefits through your former employer, you can also use your account to pay for your share of retiree medical insurance premiums. The one expense you cannot use your account for is to purchase a Medicare supplemental insurance or "Medigap" policy. Though Medicare will pay for the majority of health expenses during retirement, there many be expenses that Medicare will not cover. Nursing home expenses, un-conventional treatments for terminal illnesses, and proactive health screenings are all examples of medical expenses that will not be paid for by Medicare, but that you can pay for from your HSA. Long-term care is assistance with the activities of daily living, such as dressing, bathing, or feeding yourself. It can be provided in your home, a retirement community, or a nursing home. Long-term care expenses can be paid for using funds from your HSA, and long-term care insurance can even be paid for from the HSA up to the following maximum annual amounts: - Age 40 or under: $260 - Age 41 to 50: $490 - Age 51 to 60: $980 - Age 61 to 70: $2,600 - Age 71 or over: $3,250 To establish a health savings account, you must first own an HSA-qualified high deductible health insurance planpare HSA plans side by side to determine the best value to meet your needs. Once you have your high deductible health insurance plan in place, you can open your Health Savings Account with the financial institution of your choice.

Studying high school at home

The mainstream concept of educating children has to be the common thing: dispatching them everyday to the big grounds of a private or public school run by organized institutions. It is quite rare to find families choosing the option called "high-school home schooling" for their kids. The truth is, the higher percentage of parents availing this option, are those of higher educational attainment. It is almost impossible to project high school students and their social life if they are taking home schooling. In a complete study kit of formal home education, socialization is part of the curriculum, where they intermingle with fellow home-schooled children on field trips and assigned extra curricular activities. These outdoor activities are required weekly. Contrary to what has been traditionally expected, home-schooled children excel academically, more contented and socially mature compared to the rest who attend the institutions. What are the advantages of high school home schooling? Bad peer influence is the primary reason why teen-agers and minors go astray without parental control. It happens in institutions where classrooms are gaping open to all possibilities of worse vices like drugs, alcohol, illicit sex, pornography; formation of clandestine groups or fraternities; being influenced with religious perversions and cults. Confining a teen to high-school home schooling is a very smart but tough decision a parent can do as best option for a child, especially if the family is influential in the community. The ultimate advantage of home schooling is SAFETY. It means the child, who is a very vulnerable minor, will be fully attending a complete education without the hazard of unsafe classrooms. This option may not work for all families, but it has been noted in researches that home-based high schools have higher percentages of students pursuing higher education because of the programs' focus on the academic aspect of studying without distractions. Thus, faster learning on advanced subjects efficiently happen at home. Families who opt for high school home schooling are those who want to create stronger family bonding by keeping the relationship intact, instead of the teen-ager always away for 6 to 8 hours a day. High-school home schooling are available online and in every advertisement directories. Choose the reputable one, read the information and interview the personnel about the program. It is lesser in cost and everyday maintenance compared to attending institutions. Availing this option is a personal choice. Schooling will not determine a person's success. People achieve great in life out of many factors while there are others who did well without even the right education.

Air travel rules flying with pets

Air Travel Rules: Flying With Pets When it comes to air travel, a large number of individuals hit the skies daily. People fly for all different reasons. Some individuals need to make a business trip, others are visiting friends or family, others are going on vacation, and some are making a cross country move. If you are moving, there is a good chance that you may need to bring your pet along with you. If this is the case, you will find that you are subject to a whole new set of air travel rules. Before leaving for the airport, with your pet or pets in tow, you are advised to famialrize yourself with those rules. The first step in traveling, in the air, with a pet is to make sure that they are even allowed. Certain pets are allowed to be on airplanes, but that does not mean that all airlines will allow it. If you are planning on traveling with your pet, you will need to inform your airline of this information upfront. This is vital because not all airlines will allow you to bring a pet onboard. Therefore, if you do not check with your airline before heading to the airport, you may be unable to board your flight. When traveling with a pet, you will need to keep that pet contained. That means that if you are traveling with an animal, such as a dog or a cat, that animal will likely need to be in a carrier. When purchasing an animal carrier, it is important to know that not all carriers are permitted onboard. If you will be keeping your animal in the cabin with you, as opposed to having your animal treated as checked baggage, you will need to make sure that your pet carrier will not negatively affect other passengers. Your pet carrier must not block aisle ways or encroach on other passenger’s seating spaces. In addition to these general rules and restrictions, you may find that each airline has their own set of pet carrier rules. Almost all airlines require that your pets have the proper documents before being allowed on their airplanes. These documents most commonly include information on your pet’s health. Most airlines require that your pet undergoes a medical evaluation before being transported by airplane. This information is not only used to ensure that your pet is healthy enough to fly, but is also used to ensure that they are protected with the proper vaccinations. Proper vaccinations will not only protect your pet, but other passengers, as well as airline staff. Once you have received clearance from the airline, which you wish to fly on, purchased the appropriate pet equipment, and obtained the proper health checks for your pet, you will need to wait until your day of travel. On that day, you may want to arrive at the airport a little bit earlier than recommended. This will help to ensure that you could quickly straighten out a problem, without having to miss your flight, should one arise. When you and your pet arrive at the airport, whether it be early or not, you will both be required to go through airport security. Your pet will be required to pass through a metal detector, just like everyone else. If you are using a pet carrier, it is also likely that your pet carrier will be subject to examination. This examination most commonly includes being sent though the x-ray machine with your carryon luggage; however, it is important to note that your pet will not have to go through the x-ray machine; the metal detector should be enough. As previously mentioned, not all airlines allow their passengers to fly with their pets, even in the cabin or below deck. That is why it is advised that you determine whether or not your pet can fly with you, ahead of time. In addition to different air travel rules, you may also find that some airlines charged extra fees for pet passengers. In the event that you are charged, you will be notified of this charge ahead of time. Word Count 681

Sanford and son season 6 dvd review

One of numerous comedies created in the 1970s by the talented Norman Lear (other hits such as All In The Family, Maude, Good Times, and The Jeffersons come to mind), Sanford And Son received 7 Emmy nominations and 6 Golden Globe nominations for its widely acclaimed humor. Based on the life of Los Angeles junkyard owner Fred Sanford (Redd Foxx) and that of his son Lamont (Demond Wilson), the series was one of the first with an entirely African-American cast. Through every episode, Fred manages to insult and offend just about every person, group, race, ideology, etc. The show was such a hit, it stayed in the Nielsen Top Ten for its entire run, excluding its final season... The Sanford & Son (Season 6) DVD features a number of hilarious episodes including the season premiere "The Hawaiian Connection: Part 1" in which three jewel thieves conspire to smuggle some stolen jewels from Hawaii to Los Angeles. When Fred hops a flight to Hawaii to attend a Junkmen of America conference, the thieves plant the jewels on Fred in the hopes of using him as a dupe to carry out their nefarious plan… Other notable episodes from Season 6 include "The Winning Ticket" in which Fred becomes the victim of a con game by a pair of crooks who convince him to run a $500 raffle promotion for Sanford & Son, and "A Matter of Silence" in which Fred nearly goes deaf due to the wax buildup in his ears… Below is a list of episodes included on the Sanford & Son (Season 6) DVD: Episode 112 (The Hawaiian Connection: Part 1) Air Date: 09-24-1976 Episode 113 (The Hawaiian Connection: Part 2) Air Date: 09-24-1976 Episode 114 (The Hawaiian Connection: Part 3) Air Date: 10-01-1976 Episode 115 (California Crude) Air Date: 10-08-1976 Episode 116 (The Stakeout) Air Date: 10-15-1976 Episode 117 (I Dream of Choo Choo Rabinowitz) Air Date: 10-22-1976 Episode 118 (The Winning Ticket) Air Date: 11-05-1976 Episode 119 (Committee Man) Air Date: 11-12-1976 Episode 120 (Fred's Extra Job) Air Date: 11-19-1976 Episode 121 (Carol) Air Date: 11-26-1976 Episode 122 (Aunt Esther Has a Baby) Air Date: 12-03-1976 Episode 123 (Here Today, Gone Today) Air Date: 12-07-1976 Episode 124 (Aunt Esther Meets Her Son) Air Date: 12-10-1976 Episode 125 (Sanford and Gong) Air Date: 12-17-1976 Episode 126 (Fred Meets Redd) Air Date: 01-14-1977 Episode 127 (Chinese Torture) Air Date: 01-21-1977 Episode 128 (A Matter of Silence) Air Date: 01-28-1977 Episode 129 (When John Comes Marching Home) Air Date: 02-04-1977 Episode 130 (The Reverend Sanford) Air Date: 02-11-1977 Episode 131 (The Will) Air Date: 02-18-1977 Episode 132 (Fred the Activist) Air Date: 02-25-1977 Episode 133 (The Lucky Streak) Air Date: 03-04-1977 Episode 134 (Funny, You Don't Look It) Air Date: 03-11-1977 Episode 135 (Fred Sings the Blues) Air Date: 03-18-1977 Episode 136 (School Daze) Air Date: 03-25-1977

Health safety ignoring it will close your business

Occupational health and safety and public health and safety are two areas that have become increasingly important, but also easier to manage, in recent years. There has been an increase in awareness of Health and Safety concerns in the general public and employees. The increasingly litigious cultural atmosphere has brought health and safety to the forefront of most public and business decisions. This has been paralleled, however, by a growth in the availability of health and safety professionals, and also in better and more detailed health and safety information on the Internet. More help is available at health-safety-now. info. Occupational health and safety measures can take many forms - from the management of physical risk in your place of work, to employee health and safety concerns about noise or stress levels. The important thing for businesses is to have a plan for every possible health and safety situation that could arise, or that all could be feasibly predicted anyway. Depending on your business area, there may be an organization that monitors the health and safety in your workplace - this particularly applies to dangerous locations such as railways, nuclear installations and mines, and to workplaces involved with vulnerable people, such as nursery schools, care homes and hospitals. The occupational health and safety of these businesses will probably be monitored and checked regularly by an independent organization. If such a group does not cover your place of work, it is recommended that you invest in a professional health and safety inspection. Alternatively you could appoint a permanent group of occupational health and safety experts, depending on the size and needs of your enterprise. Public health and safety may be monitored by a government agency, or independent health and safety professionals may be employed to judge the health and safety of a prospective project or place of work. Public health and safety should take into account both the health and safety of the public sector employees and of members of the general population whose health and safety may be affected by a project.

Three steps to attracting more satisfying relationships

As long as the Law of Attraction has only the 'DON'T want' script, it is restricted to orchestrating that script over and over. We must give the Law of Attraction some NEW MATERIAL to work with. What do you really want in your relationships? Security? Affection? Loyalty? Companionship? Communication? What? Do you wonder why you keep attracting certain types of people into your life? Are you tired of feeling disappointed in 'love? Have you ever been 'blind-sided' by someone you thought was a friend? Do you feel desperate to find that special person you can live with forever? Here are three steps that can help you in attracting more satisfying relationships: Step 1: Make a thorough list of all the characteristics or scenarios of your past relationships that you DON'T WANT to experience again. You can use the T-toolTM for this exercise or just take a fresh sheet of paper and draw a large 'T' on it. Label the left hand column: 'I Don't want' and the right-hand column, 'I Do Want'. Ask your Inner Self to remind you of past events that you do NOT want repeated. Write a few words about each event that express the essence of that event. Step 2: Examine each item on the 'I DON'T want ..." side and ask yourself this question: "If I don't want this, what DO I want?" One major reason why we keep attracting the same unsatisfactory relationships is because we fail to use the contrast contained in those negative events to get clear about what we DO want. Step 3: Write a Script about how you DO want your relationships to be: As long as the Law of Attraction has only the 'DON'T want' Script, it is restricted to orchestrating that Script over and over. We must give the Law of Attraction some NEW MATERIAL to work with. Scripting accesses all four parts of the brain. The left brain which deals with words and logic; The right brain which understands patterns and symbols ; The mid-brain which experiences emotions; and The brain stem which registers physical stimulation . When we write a Script, starting with a phrase such as: "If I had my way...", and use our imagination about that which feels good to us, we are accessing our right and mid-brain. A thought or feeling comes and we translate it into words (using the left brain) that symbolize the thought or feeling (right brain again). Writing the Script engages the body, which registers in the brain stem. When all four parts of the brain are engaged, a powerful message is delivered to the Universe. I like to end my Scripts with the phrase, "And do this in ways that are for my highest good and the highest good of everyone involved." This is a phrase that helps me let go of 'HOW" this will all happen, and allows the Law of Attraction to bring it about in the very best possible way. Remember, the Law of Attraction brings us precisely what we vibrate. So if we want to experience relationships that are more satisfying, then we must change our dominant vibration to match the experiences we WANT to have.

Alcohol detoxification

If you love someone who is an alcoholic, or you are struggling with your own alcohol problem, you may be interested in the process of alcohol detoxification. Alcohol withdrawal symptoms can range from uncomfortable to life threatening, depending on the severity of the addiction, and detoxification can help with this process. Alcohol detoxification is simply eliminating alcohol from the body and providing medical assistance for the symptoms of withdrawal that accompany this process. Medical professionals will generally prescribe a limited course of treatment with one of several drugs developed for this purpose. The most common is called Chlordiazepoxide. While I do not like the use of drugs in most cases, I do concede that in certain instances, such as this, they can be extremely helpful and effective in helping someone to recover from a harmful addiction. The treatment will usually last about a week. The dosage is highest on the first day, with declining amounts on the following days. This allows the highest dosage to be used at the time when the effects of withdrawal are strongest. Close supervision by a medical professional is usually required, and the patient must agree to discontinue all alcohol use during the treatment time. Without treatment, an alcoholic who suddenly discontinues the use of alcohol can experience mild symptoms like sweating, cravings for alcohol and trembling. More severe withdrawal symptoms can include delirium tremens, hallucinations and even convulsions in a small percentage of patients. The detoxification drugs help the body eliminate alcohol and limit these uncomfortable and sometimes dangerous symptoms. With the use of drugs like Chlordiazepoxide, withdrawal is less dangerous and more comfortable than it would be without medicine. Most users still experience some trouble sleeping, nervousness and irritability, though. Detoxification only addresses the physical issues of alcoholism, though, and many professional endorse a combined therapy that includes counseling or a 12 step program to follow the detoxification process. Most contend that the cravings for alcohol, both physical and psychological, will remain long after it is out of the system. Counseling and continued treatment is required to help the patient change their attitudes and resist returning to alcohol use. In addition to counseling and support, there are several drugs that may be prescribed to help avoid a relapse and make recovery easier. Acamprosate helps reduce cravings and another drug, Disulfiram, will make the user sick if they ingest alcohol. There is no shame in asking for assistance with an alcohol problem. Most family doctors and counselors can prescribe the detoxification treatment or make the appropriate referrals. Take advantage of the assistance available; recovering from alcoholism is an often difficult road. Using the help available can be the difference between recovery and relapse, so ask your healthcare professional about detoxification programs today.

What you need to know when picking a puppy

This was a last minute e-mail I sent to a friend in California, who contacted me only a few hours befote she was leaving to pick a puppy from a breeder she's been researching. (EMAIL FROM ME, STARTS HERE) Actually, everything looks really good - for a show breeder. And even better, what I really like is that she's doing things with the dogs (using them in commercials) - which to me, suggests that the dogs she's breeding should (in theory, anyway) have solid temperaments. The only thing I really wasn't crazy about is the way her dogs look. I don't like the pigment or the luster of the coats. But really, that's more of a personal preference, as I'm not a show breed judge. I also like that she gets the pups started with crate training. The main test I recommend is that you should cradle the pup in your arms, so that its feet are up toward your chin, and its back is cupped in your hands. The pup should lie still, like a sack of potatoes and just gaze sweetly up into your eyes. If he won't let you turn him upside down, or won't stop squirming... throw him back and pick another one. If he passes that test, the next one should be to pin him on his side. He might squirm a little bit at first but then settle down and let you hold him in that position... at least for 10-20 seconds. And finally, find a metal bowl... or something that makes a lot of noise... like a ring of about 20 keys... and while the pups are playing, toss the bowl or object about five feet from the pups (the breeder won't like this, but ignore it, you're picking a companion for the next 15 years, and you want to make sure you get a good one! So don't ask permission... just do it!) Watch the pups. Good pups should run up to it to investigate. Weak pups will cringe and hide. Do not buy a pup that cringes and hides. If the dog just shows indifference, this is okay... but then I'm going to test to see if the pup is deaf or not. If he's not deaf (clap, or shake keys behind the pup, when he's not looking)... but he was still indifferent to the bowl drop... then the dog is still one I WILL consider. This is really all you need if you're choosing a dog for a pet. You can also test his ball drive, but to be honest, for a pet that's just going to lounge around the house, a pronounced ball drive is unnecessary. She seems like a good breeder, as far as one can tell from a web site. So, I'm sure she'll help you out. Just be honest about what you are and aren't looking for in a dog. That's all for now, folks! Adam

An order of healthy food please

When you have no time to cook your own food, what do you do? The answer is obvious, of course. You go out to your local fast food outlet (in deference to your kids’ preferences), you go out to the food strip at the mall, or you order take out. It is convenient and you can eat your fill at these joints. What’s not so obvious, however, is what such a practice is doing to you and your children’s health. Healthy eating habits are crucial to achieving a healthy mind and body. Healthy eating habits refer to eating meals regularly, eating well-balanced meals, and eating only what’s necessary. Healthy eating habits do not involve eating burgers and fries for lunch. The Fast Food Culture Unfortunately, some people do think that it is healthy to have burgers and fries for lunch. Advertising spiels have a lot to answer for this. In a world filled with fast food and restaurants, it is but natural that the companies serving up this food have to undermine people’s preference for home-cooked meals or they will become redundant and not make any profit. As such, big food corporations put millions of dollars into TV commercials that assert in not so many words that a meal eaten at a fast food is special while eating at home with your family the meal your mother cooked is nothing but ordinary. Such a reversal of values was helped along by the faster pace of life, where people have no more time to devote to preparing home-cooked meals. People are always driving or commuting to work, attending business meetings, or maybe holding one or two jobs. You cannot expect someone who has already been working 12 hours straight to come home and prepare a lengthy meal. It makes more sense to buy some take-out or bring the family out for a meal. People are aware that they need to eat healthy food. However, what do you do if you are misled into thinking that restaurant fare and fast food taste better than home-cooked food? Sadly, there’s also an underlying effort to make people think that food in restaurant and fast foods are all healthy, that there’s really not much difference when you eat in or out. It’s all the same, but eating out is more convenient. As people continue to be bombarded with mass media advertisements advocating the value of fast food and eating out, and as people become even more busy trying to hold on to their jobs, more and more people stop cooking and begin taking these commercials to heart. People have deserted home-cooked and nutritious meals that need hours of preparation for big servings of calorie - and fat-rich food that gets served up within minutes. The Diseased Nation The success of the fast food industry in establishing a culture that thrives in fast food and meals eaten out, our people’s health has been placed on the balance. Thus, America is now an ailing nation. Incidence of heart disease, diabetes and high blood pressure continues to rise as obesity becomes even more prevalent. I am not saying that fast food is to be avoided at all costs. What I am saying is that a trip to the fast food should be made only very infrequently, not three times a week as most people now are wont to do. A change should be instituted to bring back the days when there’s no doubt about what healthy food is and where to find it. This is all I ask.

How to install a toilet in bathroom accessories

How to install a toilet in Bathroom Accessories When you want to install a toilet, it usually takes 10 minutes and a few minutes to mount the seat. To install a toilet seat, first you need to wax the bowl rings. This is important, since if you fail to do so, you are only expecting future problem. Do not wait for those problems, since you have options. You can apply to wax bowl rings to apply a skilled toilet bowl. You want to place it where you want it, and move it to the tank. The tank will lead you to the toilet bowl, and you can move to attach the item and then level it to your point of return. The starting point will take you to a new level, especially if you do not want to project a new flange. Flange is something you want to deal with, since it is the process of cleaning the toilet before you install the units. If you have previously clean the unit, why are you asking me why I need to ask you what is up. How to mount your toilet and seat: If you have a prior toilet seat used on the flange, you want to consider rings. You can tell if this was the case due to there being some remains of an old wax bowl ring. In incident, this being the case you should take something and scrape it off. Afterwards I would suggest taking the toilet seat parts out for inspection. There are certain parts that you should place on the toilet or the foam packaging so it does not get dirty. This also helps to prevent chipping of the enamel. Generally, toilets come in two boxes one box containing the tank for the toilet then the bowl in the other box. Next, I would take the parts that you have, put them together making sure that all of them fit as intended. If you were just to try to place, everything got so far then came to the realization. The wrong time would increase the work you would have to do installing this new toilet. The wax bowl ring is an old-fashioned item that is still used to this very day. Even though there are some minor improvements that make it better then the older models. If you want, less trouble in setting this toilet up you should use a plastic flange. Those kinds of wax bowl rings seem to have less trouble in the bathroom. The only thing that the wax bowl does is seal the porcelain toilet to the flange. But if the toilet ever moves the seal would becomes broken this could be trouble cause gases for the sewer or water can leak out. Take in that this water would not be clear enough to drink. (Can someone say tap water?) Sometimes the leak cannot be detected because of the water dripping down. This can caused rotted floor structure and damage to ceilings in room below. Toilets seats are easy to install. If you choose a quality toilet, it will augment your bathroom if you put on a toilet seat that attracts interest. Perhaps you like fish. If you like aquarium, you can purchase for around $7.99 a nice fish seat for your toilet. Go to Value City, or related stores to get the bargains. Once you add your toilet and seat, you might want to purchase a rug to match. Shower curtains, window curtains, and other bathroom accessories can offset your environment. You can purchase toothbrush holders, cup, and other items at local stores or online.

Chinese gambling games casino games with chinese origins

The Chinese culture has a significant influence on the American gambling industry. Many of todays popular casino games were introduced to American casinos by Chinese immigrants. In this review, you can read about some of the most popular Chinese gambling games that had a successful immigration to the West. Pai Gow Poker Pai Gow Poker is a hybrid of American poker and traditional Chinese tiles game called Pai Gow. The original tile game Pai Gow, which means Make 9, is one of the most ancient gambling games that are still available in cotemporary casinos. Pai Gow Poker is played with playing cards instead of tiles and it uses the traditional poker hand ranking. It is one of the most popular casino games worldwide and it can be found in almost every major casino in the US. Its online version can be played at most casinos on the internet. The object of the Pai Gow Poker is to form the highest possible two poker hands, one five card hand and a two card hand, out of the seven cards dealt to each player. Each player competes against the banker that can be either the casino dealer or one of the players who can afford paying the players winnings. Sic Bo Sic Bo is yet another popular casino game with roots that go back to ancient China. The chance game came to the States around the beginning of the 20th century by Chinese immigrants. It can be played in most land based casinos in Macau, the US and the UK. Sic Bo has an online version as well. The meaning of Sic Bo is Dice Pair. It is played with three standard dice on a special table. Each player places any number of bets on the table and then tosses the dice. The outcome is determined by the combinations of the three dice. Each combination has a different payoff according to a payoff schedule, which vary from one casino to the other. Fan Tan Fan Tan used to be the most popular gambling game among Chinese gamblers but the glory days of Fan Tan have already passed. During the 1890s, Chinese immigrants brought the game to the United States. At that time, every Chinatown in American City had several Fan Tan houses that were always full of enthusiastic gamblers. Nowadays, you can find Fan Tan in some casinos in Macau as well as in some online gaming sites. Traditional Fan Tan, not to be confused with the card game of the same name, used to be played with any objects such as coins, dried beans or small buttons on a table with a square marked on it. Fan Tan. The object of the game is pretty simple and odds are 1: 4. The play begins with the banker puts on the table a pile of objects then covers them with a bowl. Each player has to bet on one of the numbers that mark the four sides of the square, or on one of the corners of the square. After the bowl is removed, the croupier removes four of the objects each time until the last group remains. If 1 object is left, then the player who placed a bet on 1 wins the pot, and so on. Mahjong Mahjong is probably the biggest inherit of Chinese culture to the gaming world. The ancient Chinese tile game has many variants worldwide including variety of online games. According to the myth, Mahjong was developed by Confucius around the 500 BC. The game was brought to the United States during the 1920s and soon was very popular especially among women. The game was played in Chinese style decorated rooms with waiters wearing traditional customs. The American version of Mahjong was developed during the 1930s and it is played in America until today. At the same time, the National Mahjong league was founded. In addition to American Mahjong, there are Japanese, Vietnamese, Cantonese and other variations of the game, which vary from one to the other by their scoring structure, number of tiles and rules variants. In 1998, the China State Sports Commission had set a standard set of rules that will differentiate the illegal gambling game from the skill game. Mahjong Solitaire, the online version of Mahjong, gains wide popularity recently. The online version of the classic Chinese game is a matching game that uses the Mahjong tiles. Online Mahjong games can be found in many online gaming sites in variety of layouts and versions.

Mannose is it just for uti

Mannose: is one of the 8 Glyconutrients. It helps to build tissues and aids with communication between the cells. It assists the body in strengthening the immune system and repairing itself. Mannose helps the body produce cytokines, which fight off infections and serious diseases. It is found in the leaves of the Aloe Vera plant, which has been used for many centuries to promote the healing of wounds. Mannose is similar in structure to glucose. It is a sugar compound made up of 6 carbon atoms. It is found in many plant polysaccharides and glycoprotein. Plant polysaccharides are also known as mannans, hence the name for this saccharide Mannose. The liver in order to make glycoprotein absorbs mannose. It is also absorbed from the intestines walls into the blood stream and lastly into the cells. Glycoform synthesis in mammals uses dietary mannose. Mannose is readily absorbed by the body and clears within several hours. It is made into Glycoprotein in the liver, intestines, brain and even fetus. People have been taking diet supplements for over 150 years. They were 1st given to sailors in the Royal Navy to prevent scurvy; a disease caused by lack of vitamin C. It was given in the form of lemon or lime juice, as these fruits are rich in vitamin C. Since then other diet supplements have been developed to aid in prevention of other illnesses and for improvement of health. In 1941 the 1st RDAs were published. They were meant to be a guide for the basic nutrition intake for the public. The Food and Nutrition Board of the U. S. National Research Council published them. In Europe and Canada they publish a similar report. Since the last 10 years scientists have been researching the carbohydrate group of foods, among them Glyconutrients. Scientists, until recently, have not given any importance to this complex group of foods but now with the advent of Glycobiology (study of Glyconutrients) research is revealing new facts about these vital nutrients. Diet Supplements are best taken at room temperature with cold water. They will be most effective when taken this way. They are usually taken on a daily basis. It is important to take these supplements with your doctor’s advice. Supplements cannot cure diseases but they can help the body protect and heal itself better. Taking these glyconutritional supplements will help you to improve your health and well being. In today’s busy world it is important that we try to maintain our health and we can do this with the help of supplements such as glyconutrients. Note: Glyconutrients are not intended to heal, treat, or cure any disease.

Credit cards for college students finding the best available

Student credit cards are geared primarily toward college students. But there are many factors that can make credit cards for college students the right choice for young people. So, it is very important for all consumers, not just students, to first learn about each type of available card and then choose the one that is most suitable. Secured credit cards are one type of card for students to consider. These cards are funded in advance of purchases and do not actually extend a line of credit in the form of a loan. Rather, the cardholder sends money to the card ahead of time and uses those funds to make purchases later. In essence, a secured credit card is a bank account that does not earn interest, but can be accessed easily with the swipe of a credit card. Secured credit cards for college students are a popular choice with many students and their parents. One of the reasons for the popularity of these student credit cards is the fact that it is not necessary to have a credit history in order to receive the card. Of course, most college students have not yet had the opportunity to build a credit history. Therefore, a secured credit card is an attractive option. In addition, secured student credit cards typically offer instant approval and do not require employment verification or even a bank account in order to receive a card. Secured credit cards are also popular with parents because they can "load" the credit cards with as much money as they see fit for their college student. Loading a credit card is simply placing money on the card. Parents can generally choose to have money directly added to the card with each paycheck. Or, they can send money through the mail in the form of a money order or cashier's check. There usually are also banks that will accept payments to be added to the credit card. With a secured student credit card, parents can essentially provide their college-going child with an allowance to pay for food, school materials, or any other need the student may have. At the same time, there is no risk of the college student building a huge debt on an unsecured credit card. Once the money is spent, there is no more for the college student to spend. Secured credit cards for college students are a great way for parents to help teach their children to be responsible and independent while still providing a little help along the way. Another benefit to using secured credit cards for college students is that many report to the major credit bureaus. In this way, the college student can begin building credit without the concern of harming his or her credit rating by being unable to pay the debt off. For some college students, secured credit cards are not the most attractive option. One reason is because there tends to be a great number of fees associated with secured credit card. Theses fees include application fees, processing fees, and annual fees. There is generally also a fee associated with loading funds onto the credit card. Thought these fees usually range from $1 to $5, the fees can add up over time. Another reason secured credit cards may not be attractive to a college student is because the student is truly on his or her own and unable to receive financial assistance from the parents. Or, the college student may simply not have the funds available to place on a secured credit card ahead of time. No matter the reason, unsecured student credit cards are also a popular option with credit cards. Credit cards geared toward college students are specifically designed for individuals with little credit history. Often, the Annual Percentage Rate (APR) on these cards is higher than average. Therefore, it is best for the college student to pay off the card at the end of each billing cycle whenever possible. As with secured student credit cards, unsecured credit cards for college students go a long way toward building the student's credit history.

Home decor planning

Before you do anything to change your home decor - whether it's just one room or the entire house, ask yourself (and others in your family, if it's a group decision), what do you want to accomplish. Is it just to get a fresh look with a new color on the walls, or is it to really throw out the old and start all over again? If it's a new wall color you're considering, make sure the paint you purchase will compliment your existing furnishings. Don't rush out to your nearest home supply store and purchase a can of paint because it's on sale or your think the color will do. Get several paint swatches and bring them home. In fact, many stores now have sample jars of paint that enable you to actually paint a small portion of you wall to see how that particular color works with your scheme. Get several and paint them on the wall, let them dry and view these colors in different light; i. e., daylight and artificial light to determine which color really does enhance your room's furnishings. A color that looks really great during the daylight hours can look entirely different in artificial light. So, do your homework and you'll be pleased with the new look. Even if it is just a new paint job! There's really no one ideal way to start a home decorating project. You can get the bug by looking at a magazine and imagining some home decorating ideas, or seeing a beautiful fabric in a store and suddenly feeling that yours just doesn't match up. Go online to get some really great home decorating ideas and cost saving tips. Also, the many online merchants allow you the luxury of cost comparisons without leaving your home. You'll be able to find casual and formal furniture as well as creative decorating ideas for any room in your home. There's a wealth of information available to you, including books on decorating, accessories—from lamps to rugs and from throw pillows to wallpaper. You'll find some extraordinary ideas for children's rooms, bathrooms, living rooms and even outdoor rooms. Homework applies as well to major jobs. Consider what each room is used for and get furniture that's appropriate. Chairs and couches for a family fun room would not necessarily be right for a formal living room. Make sure you have proper measurements and diagrams of where windows and doors are located and, above all, have a decorating plan so that all items coordinated—from carpets to wall covering. Whatever your reason is to tackle a decorating job, it is very important that you set your goals first. At the same time, you must establish your budget. It's all well and good to have very lofty home decorating ideas and goals when doing home decorating; however, your goals may have to be tempered by your budget. Develop your budget and establish a plan. So, before you start pounding the pavement, going from one retail store to another, go online to see what's available, determine pricing and see if your plan is a reasonable one. You may be pleasantly surprised at the cost savings ideas that are presented that will enable you to add just the right touch to make your home decorating dreams come true and to make your home one that is truly unique, functional and beautiful. Just follow good principles of decorating and use your imagination and good sense to achieve your desired look. The online resources are numerous, so check them out before you do any impulse buying. Good luck on your decorating.

The importance of article submission

Many website owners find the task of creating a website and then promoting that website a daunting prospect. This is especially true for anyone who is creating their own website for the first time. Although they may have great knowledge about their website niche, this is not enough when it comes to generating traffic to the site to get the information read. Unless a website owner is creating a site on an obscure topic, the likelihood is that there will be millions (or sometimes billions!) of websites to compete against for search engine traffic. This means that the site needs to generate the all important backlinks that play a significant part in many of the top search engines algorithms for high search engine placement. This is where writing and submitting articles to article directories can be very rewarding, but this is not the only benefit that article writing possesses: - Aswell as the backlinks that are provided to a website, an article also provides an opportunity for an author to display their expertise in a particular field. The hope is that readers would then be encouraged to find more of your articles and to visit your website for further information that would be of interest to them. - In all probability the visitor to the article directory who has decided that an article is of interest to them is reading the article because the article topic interests them. This means that any visitor that chooses to then visit a website in the resource box can be described as a highly-targeted visitor. It’s one thing getting a visitor to a site, it’s another getting a targeted visitor - they are already interested in the topic your website represents! The level of success that one can achieve from article submission is largely dependant on the article quality and the value of the information it contains for the reader. The article topic will also determine the success and readership of that particular article. For example, it is likely that there is a greater audience for marketing related topics than there is for a niche like coin collecting. This is certainly not to say that an author cannot reap great benefits by submitting such an article. In fact it could be argued that an article written about a topic such as coin collecting has less competition within the article directory sites, allowing the possibility for a potential targeted reader to find it easily. Article writing and submission holds benefits for all authors, no matter the topic of the article. Concentrating on the quality of an article and how informative it is for a prospective reader is important, but sitting down and actually giving article writing a go is essential for all webmasters in order to drive targeted traffic to a website. Article submission should not be underestimated - it is one of the best promotional tools a website owner possesses.

The value of the individual

How can we, as individuals, participate in waste management? Because some of us are so overwhelmed with Earth’s problems, we feel that our contributions have no real consequence in the end. For others, social barriers can be an issue. A lady we once knew confessed that she did not want to be seen buying used items or being concerned with power use. She was worried people would see her as cheap – a scrooge – when the family was so affluent. Yet, she was very careful to be seen with recycling bins out on the curb on pick-up day, because that was thought to be the thing to do socially. Now is a good time to put an end to these negative thoughts and feelings of false pride. Waste reduction is not about ego - it is about the health of the planet and of our nation. Communities would be wise to look at Nova Scotia’s waste reduction success and try to emulate it in their area. With the highest waste reduction rates in Canada, Nova Scotia has reduced landfill contributions by 46% - saving about $31 million per year - simply by making the most of the organic and recyclable materials. Curbside recycling service (Blue Box) is available to 99% of its residents and 76% now enjoy curbside organic service (a. k.a. Green Box). With better management of organic and recyclable waste, we will find we do not have to put the trash out as often because the odors and volume are greatly decreased. As a fiscal incentive, many garbage collection companies offer discounts to homes with reduced waste. We can also help the waste management industry run more efficiently. For instance, when only full garbage bags and Blue or Green boxes are put out on the curb, the garbage truck does not have to stop as often and burn fossil fuels inefficiently while idling. (Incidentally, vehicle idling is responsible for 3% of the air pollution problem.) Similarly, by collapsing boxes before recycling we are ensuring that space is used more efficiently, thereby reducing the number of bins needed for transporting materials. Recycling, alone, has a huge impact on the environment. A study of a 100-unit apartment building practicing maximum recycling found it would save 21.93 thirty-foot trees, 26.86 cubic yards of landfill space, 8,389 kilowatts of electricity, and 77.4 pounds of air pollution in just one year! So you see, these seemingly small choices and efforts towards waste management really do make a difference.

Binoculars made by bushnell

You may be looking for the best product for enlarging your items. You will need to add Bushnell products to you list of manufactured items because they will give you your moneys worth. The 4 x 21 XtraWide gives you a Bushnell product that will give you the range but in a small binocular. This product is great for taking along with you outside because it is very small and does not weigh much. it also works great for sporting events. This particular product has become very popular because of the ability to provide you with a view of the ground that will be two times bigger than others that are also one the market for sale. Being able to provide this to you is the way that you will be able to get what you are shooting for. This product runs in the neighborhood of about $100. The 10 x 50 Perma gives you the best focus out of any of the Bushnell products. They are perfect for getting the view fast. you will not have to adjust the focus on this yourself. The binoculars will do that for you. This feature is one of many that this product gives the user. You will only need to set the particular target you are looking for and it will find the focus for you. You will be able to have the perfect visibility for those far away items. You will be able to have the crispest and clear object and also the light will be bright for better viewing. The outside of these binoculars are made from a rubber that is safe for any wet situation. The price on these binoculars runs about $80. The 12 x 25 Power binocular is one of the best of the binoculars that Bushnell provides for you to have the ability to view the scenery wherever you are. this particular product is very popular with others that have a love for adventure and are on the road looking for it. People that love to go to concerts to see their favorite celebrity will also consider these. These binoculars will give you the best way to travel with them because they fold up. This is to provide you a light and compact way to transport them to each venue. You will also love the prism design in the top of the binoculars. You can get these for about $30. The 10 x 42 Fog is the Bushnell binoculars that will give you the best in water resistant design. You can take this product and completely cover them in water. This particular product has no limits. You can clean them easily without worrying about getting them wet. This is great for those muddy excursions through nature. this item will be waterproof not only from the outside but, the inside also. To find products that are on sale from the Bushnell company, you will want to look at the website of bonoculars. You will be able to choose from a large assortment of binoculars. you can also get in touch with their customer service department at (800) 246- 6285. This number will give you the ability to get all your questions answered.

How to compare offshore jurisdictions

Today many unscrupulous firms are offering corporations and bank accounts in many different jurisdictions with a shopping list of countries available almost every one of them no longer any good, many being located on Caribbean islands and are misleading the customers into thinking they are real offshore jurisdictions with privacy benefits. Wrong!!! Let's analyze some things to look for when shopping for an offshore jurisdiction. Bank Secrecy - Without this we are not interested. We want the bank to not be able to divulge any information about the bank account including whether or not such a bank account even exists unless there is an order from a competent court in the country where the bank is located. More secrecy than this does not exist any place today. Numbered accounts are gone. Sparbuch accounts in Austria are all gone, yes I know people offer them for sale on websites but they are all long gone and closed down. The bank secrecy laws must be written into the law of the land in question. Belize has no such bank secrecy laws written in their laws, people just seem to trust them even though there would be no legal penalty for them to reveal bank information if they see fit to do so. We want bank secrecy laws to call for prison and civil penalties for any violations in addition to allow for one to bring suit against the bank for violations. Panama meets this test. MLAT - Mutual Legal Assistance treaty. Many nations have entered into these agreements. For a list of countries that have entered into these agreements with the USA courtesy of the US Government click here: travel. state. gov/law/info/judicial/judicial_690.html It is shocking as to how many countries are in such agreements. Even Panama is in such an agreement but it is fairly limited in scope, see below: Essentially Panama will cooperate in a multi-national case involving narcotics and money laundering (these crimes need to be tied to narcotics). They also will get involved in cases concerning child pornography and real terrorism. If you are not a narcotics dealer and are not a money launderer (money launders are typically dealing with many millions of dollars), not a child pornographer, and not a terrorist you should not be concerned by this. The MLAT requires that there first need to a criminal prosecution case on file in the criminal courts of the requesting government (which means no fishing expeditions) then through diplomatic channels involving the embassies, requests are made for information, then reviewed by Panama officials and a decision on compliance is made or requests for more information are made so a determination can be arrived at. These cases can take months and even years for completion. At times the country where the bank is located has been known to once alerted to the problem, conduct their own investigation first and this usually requires them to seize the relevant records and documents which can stall the process for a long time even years since their justice systems typically moves quite slow and statues of limitation can run out, please don't construe this to mean Panama does this routinely it is just something that does occur from time to time around the world. The MLAT has no application to civil cases such as divorce, bankruptcy, civil judgments, business litigation, any sort of civil litigation, civil tax matters etc. Taxation matters of any sort are not covered by this as far as Panama is concerned. Income tax evasion is a civil (non-criminal) offense in Panama. Switzerland cooperates on income tax cases if the return is filed falsely like all income was not declared, things were omitted or so the complaining government says. Panama has no extradition treaties. Panama passes this test. Tax Treaties ? Many so called Offshore Jurisdictions are in Tax Treaties. For a list of countries with tax treaties with the USA click here. Panama has NO tax treaty with any country. Even Switzerland and Belize are in tax treaties as are most of the so called offshore jurisdictions. Click here to see a list of countries in tax treaties complete with links enabling you to read the actual treaties, a real eye opener click here: panamalaw. org/countries_with_tax_treaties. html Type of Bank License - Many of these offshore banks have offshore banking licenses versus regular banking licenses. Let me explain. These island jurisdictions usually have different classes of bank licenses ? one class allows the bank to do business with only residents of the country, the other class usually encountered is the offshore license that allows the bank to ONLY conduct business with non-residents of the country, and they usually have a third class of license that allows the bank to do business with both residents and non-residents. It is a natural conclusion that a bank with an offshore only license is a risky proposition at best since the government won't let them do business with the citizens of their country. The banks we use in Panama are open to the citizens of Panama and are never offshore only banks. Most of the bank accounts being offered by various web site businesses are with bank having only an offshore license. Corporation Privacy - This is an important point. I see many websites selling offshore corporations from dozens of countries. The only kind of corporation worth anything when it comes to privacy is a bearer share corporation. By this what is meant is the ownership of the corporation rests with the person who has the physical stock certificates of the corporation. Ownership need not be reported or recorded anywhere. A sale of the corporation does not need to be reported. This is what is called a non-transparent corporation and is extremely disliked by many governments who think people have no rights to privacy. In Panama a S. A. Corporation or bearer share company has no ownership reporting or recording requirements. One merely hires professional directors (which we provide) who appear as directors on hundreds of corporations and that is that. Directors are made public but you need not be your own director, we provide professional nominee directors complete with resignation letters and general power of attorney letter. Corporation privacy is especially important since governments have taken to monitoring bank wire transfers including recently the Swift System scandal showing the USA was monitoring Swift Transfers and we do not know to what extent and for exactly how long but is best to assume the worst. If one uses an anonymous bearer share Panama Corporation there is lack of transparency in that no one knows the ownership behind the corporation, they only know the corporation received or sent a wire and the other side of the transaction. This serves to preserve your privacy to a large extent. Imagine how silly it is to use an offshore corporation where ownership is made public and can be computerized thus one could tell in seconds who is the person behind the corporation receiving or sending the funds. This is what is being sold all over the internet as an offshore corporation misleading the people into thinking their privacy is being protected. Once again Panama passes the test. Taxation Free - The offshore jurisdiction must be taxation free in that offshore derived income is not taxed by the country where the corporation is domiciled. Panama meets this test as does numerous other countries. Panama also has no capital gains tax for you stock market investors and there is no inheritance or probate tax. Panama passes this test. Weather Considerations - Many of these offshore jurisdictions are located on islands and are subject to power outages from hurricanes. Also one must look for risk from volcanoes, tsunamis and earthquakes. Just what you don't need is a power outage from a storm preventing you from getting your money out when you need it. The reason the Panama Canal was built where it is, is because there is no risk from hurricanes, tsunamis, volcanoes and earthquakes. Panama passes the test. Infrastructure - One must look at the power generators, telephone system and internet when evaluating an offshore jurisdiction. You don't want to have to wait days or weeks to be able to use your online banking or to be able to talk to your bank on the phone. Panama was basically built by the Americans who just left it in 2000. It has American style phones, electricity, roads, etc. The cells phones and internet in Panama are as good as Canada or USA. Panama passes the test again. Government Stability - The last thing you need is to be banking in some tax haven offshore jurisdiction and find out a revolution has taken place and you can kiss your money goodbye. Another possibility is like what happened in Grenada when there was rampant bank fraud causing the closure and liquidation of the offshore banks with people losing their savings. Panama is a stable democracy. Panama is a UN neutral country so a war is most unlikely. Panama is in a treaty with the USA concerning the Panama Canal which was given to them by the USA in 2000. If the canal is threatened the USA has the right to step in to protect the Panama Canal. This means that if there was a revolution (unlikely occurrence since Panama is a most stable democracy) the USA would have fighter jets there within an hour or two and by the next day one could expect to see a navy aircraft carrier group in Panama Bay with an expeditionary force of marines. Next would be an airlift, paratroopers, helicopters, nuclear submarines and you have the idea. Forget about an invasion, attack or revolution in Panama, it passes the test. Currency - Panama uses the US dollar as its currency. The banks are on the US dollar and the ATM machines dispense US dollars, they even use US coins. This means a stable currency. I know some of you will say they like the Euro better fine but when I say stable compare it to the Bahamian Dollar or Grand Cayman Dollar. No currency conversion costs in Panama if you use dollars. Panama again passes the test. EU Ties - Panama has no ties that could erode privacy again passing the test. No reportage of income for EU residents or collecting of withholding taxes. Tax identity numbers from your home country are not required to open a Panama bank account, own a corporation, buy real estate etc. Panama again passes the test.

Memorization connected to many things

Learning is part of growing up. But if you’re done with learning and you think that at your stage right now you don’t need to learn at all; well, you’re wrong. Our brain never stops working and each time we absorb in new information, it continues to store it. The fact is that the brain doesn’t delete anything. It stays there even if we’re not aware that it is still there. So what can you do to preserve your memory? Get enough sleep, that’s what. Remember that sleep is highly related to memory and memory is depended to sleep. REM sleep, otherwise known as the Active Sleep is related to the spatial and procedural memory of a person. Another type is called the SWS which help consolidation of declarative memories. In short, having a good night sleep increases a person’s ability to retain memories. When you are deprived of a good night sleep, it doesn’t only cause memory decline but other behavioral problems as well. Next time you need to stay up late, remember that you have cells in you which need development overnight. You can still do something to help your memory though. If there is still a reason you need to stay up late, involve your brain on daily activities which can boost memory function Read as much as you can. It’s better to read fiction books because your mind tends to work twice as much compared when just reading newspapers since imagination helps increase or maintain your memory ability. Music is involved with learning also and with memorization, you need to learn. Studies show that music helps in retention. Also, music is a fun way of learning and memorizing. A simple exercise for memorization doesn’t rely on flash cards only. You can use another way which only involves you and your imagination. Try to picture the road as an endless highway of blanket. So before you go home, you surely won’t forget that your mom asked you to buy her new sheets of blanket for tomorrow night’s visitors. Tweak your imagination for memorization’s sake a little and you’ll see everything around you as something else, but if you’re not inclined to any memorization activities and still see the world differently, then that is another story.

Taveuni island resort spa

Consistently voted one of the top Fijian Resorts, Taveuni Island Resort & Spa is a small exclusive luxury resort which offer's the Ultimate Tropical Island Experience. It has been described as the most beautiful small resort in the world 'Set amongst ten acres of lush gardens are twelve elegant luxury bures of unsurpassed style and comfort. Romantic and private they boast panoramic views over the beach, ocean and surrounding islands.' This is the description of the Taveuni Island Resort & Spa that made me want to find out if it was all that it seemed. In fact I didn’t realise that the bures [cottages] are not on the beach, but perched on a cliff top above the beach, so there is a walk involved here. Accessing the hotel is not difficult, there are several flights a day from Fiji’s international airport at Nadi, the flight time being about 90 minutes. Be aware there are quite strict weight baggage limitations. The staff meet you at the airport on Taveuni and it only takes about two minutes to get to the resort. Accommodation is important to all of us on our vacation, and the bures at the Taveuni Island Resort & Spa are exceptional. All are decorated with cool tiles, native floral arrangements, and water colours. There are king size beds with beautiful linens, either fans or air conditioning. Add to this private romantic courtyard showers, and views to die for. As you would expect from a top class resort Taveuni has a mini bar, coffee and tea making facilities, bathrobes and hairdryers, but it is the little extras like fresh daily cookies that set it apart. The view from the cliff top pool is another major plus, and in fact the lack of children is a joy, compared to other resorts I have visited. Dining is another high spot, and the dining area is situated on ‘The Deck’. You can expect dishes from Fiji, India, and everything grown locally is organic. If you stay in one of the villas, you have your own chef and staff!! Meal times in common with other Fijian resorts are quite rigid. The Taveuni Island Resort & Spa is a definite honeymoon destination, near the top of the list