A lot of individuals handle money shortfall at some point in their life For that reason, bad debt will likely be encountered. An individual may confront these crises because of loss of work, adjustment to marital relationship, sudden passing in the family or just simple bad personal money management. Small businesses traditionally face misfortune inside the initial 2 years of operation. At fault for a venture failure can stretch from greater competition, accidents, loss of important clients to name some. No matter the cause, bad-debt might lead to insolvency. On the other hand, there are bankruptcy alternatives that may diminish damage to your individual credit report and your company credit.
Insolvency can be defined as the inability of a person or a corporation to pay back monies owed to a credit granter. When filed, the defaulter is bound to give up all exemption free real property and possessions for sale. While individual possessions are protected, you have to also promise a bound portion of your attained revenue to the creditors based upon a repayment agreement. Your credit report scores will go zero for ages, which signifies that you won’t be capable of receiving funding for whatever personal or business ventures for a long time.
Troubles such as these can cause incredible trouble. Dissolution proceedings are extremely abrasive and can result in harsh ideas and deeds. Looking for constructive paths out of a stressful position prior to going to insolvency lawcourt is better. Debt settlement could perhaps be just the option for you.
If you are inquiring why a financial institute will wish to work with you to settle the debt think of that resolution is an substitute for them too. In certain insolvency judgments a bank carrying unsecured paper might possibly receive nothing. Yet, after their customer makes out a settlement the creditor can recover at least a share, if perhaps not every bit, of the debt the lending institutions hold. Think about too that when added the interest that has been sent in already along with the late charges and over limit charges the lenders might have possibly charged, the lender could be in the black even prior to the settlement.
Debt settlement is a good choice for individuals attempting to get help with overdue payments. When even a solitary payment is neglected, most credit lines obtain an exceedingly sizeable interest rate increase that will weigh on the current balance due. This interest rate hike makes it more problematic to pay off the credit in the months ahead which will easily send your debt spinning out of control. Debt settlement will permit you to pay off your debt with just a fraction of what is owed without tearing down your FICO score for ten years.
Banish Loans Forever
If ordinary, hard-working, people ran the bank… the very first thing to get rid of would be loans. Absolutely no more loans!
Because once they’re gone, there wouldn’t be any more:
- Due dates
- Interest charges - at any rate of interest
- Late fees or penalties
- Liens
- Applications or rejections
- Credit reports [Old joke - If it weren’t for bad credit, I wouldn’t have any credit at all]
- Playing catch-up month after month
And that means all the related emotional frustrations vanish as well. That would certainly make a lot of people happier. Don’t you think?
Instead of lending money, how about just giving it away? That should make everyone happier still.
Imagine a bank saying, “Help yourself - and never worry about paying it back.” If it doesn’t matter whether money ever gets repaid - there goes accounting and bookkeeping. There goes financial records. There goes debt - along with bad debt. But that’s not a stretch for a bank that re-writes the rules. If you thought familiar bank policies were cast in stone, think again.
Up with Emotional Solvency - Down with Debt
A whimsical bank that just started on the Internet eliminates debt and loans. Won’t touch ‘um. No way, for nobody. That’s because it rates a person’s emotional health higher than their financial wealth.
This quirky website places more value on emotional solvency than wealth accumulation. Huh? How’s that possible? It’s the logical (illogical, more like it) outcome of putting feelings first. And its other policies are equally unprecedented and unique. http://www.joyfulbanker.com/goofypoliciesdept.html
The Joyful Banker is a parody of all things financial. It just wants to make you happy - and it wants to keep money worries at bay (even if only for a little while). It exists solely to amuse and delight. To make people feel both generous and rich - with access to unlimited money (admittedly funny munny). This site delivers a high level of frivel (wordplay), giggle, and absurdity in the process.
People are More Valuable than Money… Really
Joyful Banker’s avowed purpose is to deliver joy and up-beat energy to all comers. But it can’t pull it off without putting money in its rightful place - which isn’t first place. Or even second. This is the only bank on the planet devoted to what’s really valuable - relationships, generosity, kindness and joy.
Joyful Banker is the Mother Lode of Binkle Lore and Wisdom
A binkle is the energy that’s created when people really connect with each other, with nature, or anything that inspires. It’s the zizz of energy one feels. Although the word is new that feeling is not. It’s been part of every profound or happy experience you can remember. That sensation is always called something else: love, awe, the thrill, peace, inspiration, etc. But the energy of that moment is binkle energy.
This joyous website is devoted to increasing binkle energy in any way possible http://www.joyfulbanker.com/binklepage.html It’s not hard to find binkles showing up anywhere - if you’re looking for them. Can’t have too many. But if you run low, just come beck to fetch some more.
Probably should warn you - it’s addictive. The zizz of binkle energy keeps you constantly alert for how to get more more. And if you can’t find any… that’s a downer. But a moment of caring and sharing is sure to get them flowing.
The Binkle Standard Simplifies Your Life
- Spend MORE of your time and attention with people (or activities) that give binkles
- Spend LESS time and attention on people (or activities) that drain binkle energy
- Pass it around! Leave a trail of binkles wherever you go
That’s it! But the rewards you feel cannot be exaggerated. Playing “spot the binkle” sure beats a Do List when it comes to banishing stress. Not to mention, it attracts some pretty nice people.
There are still a few bugs being worked out. The funny munny is just for fun. Not to knock fun, but you can’t use joy bucks to pay the phone bill.
Come to the Joyful Banker for Binkles and Joy
Anyone who comes to the website has an account (their email address), so can partake in the Unlimited Withdrawals or Open Vault policies. This is one financial institution that won’t leave you empty handed. Or empty hearted, either.
© 2005, Lynella Grant
This is Part 1 of a 5-part series.
Read the rest http://www.joyfulbanker.com/articles.html
About The Author
Lynella Grant - The Joyful Banker, a parody of all things financial http://www.joyfulbanker.com The funnest, most joyous fool service non-bank in the world. With unlimited withdrawals. Off the Page Press (719) 395-9450 mailto:banker@joyfulbanker.com
grant@joyfulbanker.com
It is the right point in time to get some West End theatre show tickets. The West-End of London is the middle of entertainment! The Theatre area of the City is up there as 1 of the most cherished tourist locations of the United Kingdom. Subsequently, it’s no wonder that many foreign visitors queue-up for a significant number of hours at the ticket stand with not even a small scowl on their faces to procure discount London theatre tickets. For fans that detest waiting in a queue, the Web or the telephone are always available to get theatre tickets.
It is achievable to acquire London tickets at a sale rate. You can see outstanding musical shows like “Lion King,” “Mamma Mia,” and other smashing hits without paying a small fortune. As well these shows, the other London shows running at present comprise of “Chicago,” “Wicked,” “Sound of Music,” “Les Miserables,” and “Phantom of the Opera.” London has numerous amazing shows in the West End. Buy discount tickets from www.lsbo.co.uk
So, if you’re on a city break to London, then you are going to have the most excellent time of your entire life! Don’t forget to consider West End in your places to stop at. The Capital is the hub of theatre plays. It boasts of over 45 world-class productions performing at a time. Moreover this is not every single one. You can also get hold of admission to ticketing services that are professionals in offering you with the best seats of the theatre. They are here to make your theatrical experience a truly superb one.
Besides using the ticketing services, you can reserve London theatre tickets from the Leicester Square Box Office (more universally known as LSBO) situated in Leicester Square, & from the ticket managers. The Leicester Square box offices are in general open from ten o’clock in the morning. They close 30 minutes after the commencement of the evening show. If you opt for the ticket office at Leicester Square, you can get reductions on shows for the existing day’s performance. The stall is open from ten o’clock in the morning to seven o’clock in the evening on the weekdays and weekend. Yet, on Sundays, it is typically open from midday to 3pm in the day. This is the solitary certified stand in London. It is managed by the Society of London Theatre. Though you possibly will not buy theatre tickets for each & every show, you can defiantly get theatre tickets for the big hits. Alternatively you can even take a look at the Leicester Square Box Office site for additional info.
The probabilities of scooping up the Euromillions jackpot is a remote 1 : seventy-six million but the likelihood of winning a cash prize is a fairly decent 1 in twenty four. When the jack-pot is not won in a given week, it is carried forward to the next lotto draw which results in an ever increasing jackpot value. New rules added on the 2007-02-07 set the number of successive roll-overs to 11, with the jackpot rolled out to lower value levels succeeding the eleventh lottery draw if the prize is not collected.
The Euromillions lotto or the Euro lotto, as it’s ordinarily better-known, pools the ticket receipts of the 9 partaking Euro countries showing a gigantic Euro Lotto jackpot. With the sum of countries joining the EU on the increase, that will without question will lead to even more countries partaking in the Euro Millions lottery. A growth in the number of people partaking in the EURO MILLIONS will result in a prolonged growth of the already immense Euro Lottery jackpots.
The recent regulations likewise initiated European Lottery Super Draw which come about twice annually and offer jackpots in the region of 100 million pounds. The difference with Super-Draws is that the jack-pot must be won during the week of the lotto draw; as a result, if there is no lotto ticket corresponding, all the numbers drawn and top prize will be allotted to the lottery ticket bearer(s) in the next winning prize tier.
Each player has to pick out five main numbers from 1 to 50 plus two Lucky Star numbers from 1 to 9. During the draw, 5 primary plus 2 lucky star numbers are then picked out at random from two draw machines containing numbered lotto balls.
Countless keen skiers will shortly be looking for their ski equipment and scooting forth trying to find the largest snowfall. And without doubt the results from your carbon footprint will be almost as far down the list of vacation musts as a xmas cracker after the Christmas vacation. Merely last Christmas, a late snow made the the headlines and holidaymakers were panic struck about the smattering of snow disappearing nearly as soon as they settled.
Snowboarding company Chalet 1802, placed at the foot of Monte Bianco in Chamonix ski resort in the Alps, is one of the first autonomous firms to go carbon neutral and afford snowboarders an environmentally friendly selection whilst organising their skiing holidays. Chalet 1802 proprietor OENEUS stated: Last season was quite a shock with the warmest wintertime in 50 yrs in Europe. Skiing ski fields for example La Plagne, Hautacam and La Chavanette has difficulty.It was balmy and the snowfall didnt settle so a lot of the early season skiing season in the Alps was limited. We selected to become carbon neutral to assist in the preservation the ski resort.
OENEUS said: We are not trying to dictate to holiday makers but we consider it is crucial to grant the clients the choice without raising the cost of the holiday. If they book with us and goes to our skiing chalet they can further off-set their carbon output and we absorb the extra prices. Naturally we still have a sauna and a hot tub - clients wish for luxuriousness but not at the expense of the alps mountains, so we looked at means of reducing the affect of someone flying over here for a ski holiday.”
The firm have also joined with charity Climate Care, who attacks global warming by making C02 deductions on behalf of people and firms.
Try VoIP Before Buying
So you like the concept of ‘cutting’ your phone service in favour of VoIP but are hesitant to take the plunge and abandon your ‘Landline’ without trying it out for yourself first. Perhaps the advertised features and rates all sound a little ‘too-good-to-be-true’. The terrific news is that you can make VoIP calls using your computer to virtually any telephone or computer in the world with little more than an Internet connection and a headset.
‘Free VoIP’ Using a Softphone
Firstly, let’s look at the ‘Free’ way of taking VoIP for a test drive. So what’s a ‘Softphone’ I hear you ask? A ‘Softphone’ is merely a ‘Software’ ‘Phone‘ that enables you to use your computer like you would a telephone. Softphones are programs that generally resemble the keypad on a telephone and function in much the same way.
Softphones enable you to call other ‘Internet-connected’ devices or softphones for free (Free PC to PC VoIP), or conventional telephones for a small fee (PC to Phone VoIP). The reason that ‘PC to Phone VoIP’ calls (i.e., to conventional phones) are not free is that in order to call normal telephones, your call needs to route partially through the heavily regulated, heavily taxed Public Switched Telephone Network (PSTN). As long as the person you’re calling is also connected to the Internet, you can talk for as long as you like across the neighborhood or on the other side of the world for free. Furthermore with PC to PC VoIP, there aren’t any contracts to sign or commitments to make. Just download the softphone, and start talking.
PC to Phone VoIP
If you’d like to try VoIP by calling conventional telephones, consider PC to Phone VoIP. Depending on the Service Provider you choose and the destination country you’re calling, the cost could be as little as just a few cents per minute. As long as you purchase ‘pre-paid’ calling credit, you won’t need to enter into a contract of any kind and can use that credit to call any telephone around the world. The smallest denomination of prepaid calling credit usually begins at $10 USD. However, at just a few pennies per minute this easily equates to over 5 hours of talk time. As an added bonus, some PC to Phone service providers also enable free PC to PC VoIP calls using the same softphone as that used for their PC to Phone VoIP calls. That way, you can call a conventional phone using PC to Phone, then arrange to meet the person you’re calling online (PC to PC VoIP) to continue talking for as long as you like, free of charge.
So try VoIP for yourself before you buy. You’ll get an idea of the exceptional call quality and fantastic call rates available before entering into a contract that replaces your landline.
Nathan is the owner of http://www.netphonedirectory.com and http://www.bluetoothpcheadsets.com. Netphonedirectory contains information about ‘PC to Phone VoIP’ and ‘Free PC to PC VoIP’. The site includes a comprehensive directory of Service Providers as well as general information relating to Internet Telephony.
Bluetoothpcheadsets.com contains information regarding the use of Bluetooth (Wireless) Headsets with PCs for VoIP (Internet Telephony).
“He is happiest, be he king or peasant, who finds peace in his home.” - Johann von Goethe
Home. Family. Backyard cookouts. A table laden with more than we can eat on Thanksgiving day. These things ground us, offer us stability, and give us an environment where we can learn, explore, grow, and even self-actualize.
Yet for 210 million children, these basic human needs will never be met because most of these children will come of age in an institution, never knowing a family, never experiencing the warmth, joy and acceptance of a home environment.
These children are orphans. And for them, finding a family is like winning a lottery. It is a dream come true, when all the pieces fall together and home becomes a reality.
Those who never find a home face hurdles and burdens that no child should bare. They face years of loneliness and despair. Many fail to thrive in their institutions, most experience developmental/language delays and grow slowly. A general rule of thumb, children raised in orphanages lose approximately 1 month of linear growth for every 3 months in orphanage care.
The good news is that many of these children will make a complete recovery after adoption. Within just a few years, some of them will have caught up physically, mentally, and emotionally to their home grown counterparts. Others progress more slowly, but they all progress given the right environment.
Many warm, loving families want to bring these wonderful kids into their homes. To take them in, love them, nurture them, and support them. In fact, there are many couples who would jump for joy at the chance of adding an orphaned child to their family. Adoption fees, court costs, attorney fees, immigration fees and so on quickly pile up. Before a prospective couple or family can even begin to look for a child, they know theyll have to overcome the biggest hurdle of all the $20,000 or so price tag.
Unfortunately, most good, prospective parents cant afford to pay even a fraction of these costs. So the children sit and wait.
Private and community efforts can change all that they can bring orphans home to the loving parents that so desperately want them.
Just imagine seeing the glee in a young boys eyes the first time he sees his new home. Not just any home, but one with a mom and dad he can call his own.
You can help make that happen as a volunteer and donor for A Childs Desire or any one of many organizations which provide financial assistance for adopting families. And A Childs Desire makes it easy for individuals and groups to get involved in a volunteer program and to play a central role in providing adoption grants for children who have waited in an orphanage for more than a year for a family to choose them.
Youth groups, scout troops, social clubs, etc. can sponsor a child and if all goes well see that child find a family and a home just for him. There are volunteer programs suited for home-schooled teenagers, for college students and for senior citizen centers.
Even if you are unable to adopt a child yourself you can still make a difference by volunteering your time or through making a donation, which will enable another family to overcome the hurdles of adoption. All children deserve to have families and homes. Dont make a lonely child wait, together we can make his dreams come true.
Tanya Sturman is the volunteer director for A Childs Desire, Inc., a 501 c(3) childrens charity. More information can be found at www.aChildsDesire.org
grants@achildsdesire.org
Single moms, more so than anyone, have to be exceedingly careful about the type of man they select as life-long partners. No sensible woman wants to be judged soley on her appearence or sex appeal, right? Moreoever, who would even want a man mostly interested in sex without a real commitment, right again? These questions create an age-old conundrum. Exactly, how does one find a guy who loves them and only wants what is best for them? Let’s take it up a notch. How do you resist those natural impulses to throw caution to the wind and break down and have sex?
For starters. . .
Read between the lines.
A wise person once said, Words carry a little weight, but actions truly reveal the entireity of a matter. When you meet a new guy, be especially observant of the kinds of things he talks about. Carefully listen to his conversation. Remember, you can usually learn plenty about a person simply by listening to them. If the conversation is laced with sexual innuendos, that is your “red flag”.
Where’s the fire…
Be leery of physical contact early in the relationship. Someone who is overly “touchy” after knowing you for a short amount of time might have less than honorable motives. Yes, some guys are “touchy feely” with women. But think for a moment, if you marry a man who can’t keep his hands to himself, you are asking for trouble!
Let get real, here. As single moms, it’s only natural to enjoy the attention of men, but don’t allow loneliness or insecurity to propel you into a relationship that may bring pain later. You are far too precious for that, single mom.
Take your time with the physical stuff. Approach the dating relationship the same way you would with a platonic friend. Save the kissing or hugging until you really know the guy.
We often give away far too much too soon in our interpersonal encounters. Don’t be the type woman that every guy in the neighborhood knows what it’s like to kiss and squeeze. Even if he says he loves you, remember that love waits. Love is patient, love is kind and real love will never disrespect you. Slow down, enjoy the progression of the new relationship. There’s no fire, so hold your horses!
God’s plan for you…
God has a plan and it’s not about pointless denial. His plan is first marriage and then sex after the legal, spiritual and emotional commitment. When you create a list of rules for your kids, you do so to protect them, right? Well, God is no different. He loves you and wants to spare you unnecessary grief.
There is forgiveness….
If for whatever reason, you have engaged in a sexual relationship outside of marriage understand that God still loves you. Our blunders don’t make Him love us any less. He desperately wants to put the pieces of your life back together and make all things new again.
Living life “our way”, guided by our emotions or feelings, always brings disappointment and shame. However, God specializes in such wounds. Allow Him to cleanse your pain and remove your guilt (read 1John 1:9). If you confess your sin, He WILL forgive it. He’s promised. The next and most crucial step is for you to forgive yourself.
Our children….
Our children rely on us to model appropriate moral standards. Most wise moms advise their teens to abstain from sex before marriage. We carefully explain to them the dangers of sex “now a days”. We share how abstinence protects us against sexually transmitted diseases and unwanted pregnancies. Taking this into account, why should we want anything different for ourselves? Our children are growing up so fast. Our time with them is very precious. Let’s not taint it recovering from unecessary love- related heartbreaks. Nothing is worse for children than to see their moms wounded, hurt, bitter and dejected.
My mother recently told me, (relative to my health) ‘a good mother takes supreme care of herself for the sake of her children’. I think the same applies to emotional health. Don’t run the risk of giving your body and soul away only to be left with an empty bed and broken heart. It really isn’t worth it, single mom.
A beauty salon will help you look your very best with a price that will fit in almost any budget. A beauty salon will be able to make your hair, skin, toes, and fingernails look marvelous. In addition, most beauty salons offer their services for a fairly reasonable price. However, sometimes it may be difficult to choose what service you want. If that is the case, simply be on the lookout for any fashion style that you like. Look through magazines and cut out photos of styles and colors that you find pleasing. Take notes so that when you do go to a beauty salon, you will know exactly what you want. However, be aware that some beauty salons are better than others. To make sure that you are in high-quality beauty salon, check to see if it has clean beauty salon equipment and a clean work area. Also, be aware that in most states, beauty salons are required to publicly display their establishment license. If the salon or barbershop won’t show you an establishment license, you don’t know whether the shop’s health and safety procedures have been approved by the state.
Time saving Beauty Salon Tips.
A beauty salon visit can be time consuming. To get the most from your visit and still have time left in your day, try these time-trimming tips. Before you leave your beauty salon, schedule your next appointment. Call ahead on your appointment day to see if your stylist is running on time. If not, you won’t have to waste time sitting at the beauty salon when you could be home. If you want to be quickly in and out for your beauty salon appointment, try to schedule the first appointment for the day.
Mike Yeager
Publisher
http://www.a1-beauty-4u.com/
According to various sources on the internet, a 1996 article in Iron Man Magazine revealed Bruce Lee’s workout. In addition to his cardio and karate workouts, Lee lifted weights three times a week and performed the following routine:
clean and presses 2 x 8
squats 2 x 12
barbell pullovers 2 x 8
bench presses 2 x 6
good mornings 2 x 8
barbell curls 2 x 8
Unfortunately, he injured his back doing good mornings, which nearly ruined his career. Otherwise, his weight training was successful in that it is credited with helping him add 30 pounds of solid muscle to his relatively small frame.
Although Lee is the most famous martial artist ever, it may be that the strongest was a man named Masutatsu Oyama. Therefore, it will be interesting to contrast Lee’s workout with Oyama’s.
The Karate Bull-Fighter
Oyama was one of the first to bring Karate to America and founder of the Kyokushin style of Karate. His 1958 classic “What is Karate?” was one of the first books on the subject written in English, and designed to make the subject accessible to westerners.
Oyama initially became famous with stunts such as bull-fighting Karate-style. Unlike Mexican bull-fighters, he would actually wrestle the bull to the ground and break off one of its horns. (He wasn’t too popular with animal rights activists in Tokyo.)
Oyama’s Strength Training
According to Oyama’s 1958 book, strength and speed are more important than skill for Karate, and speed more important than strength. Also, he said it was very important to practice jumping.
Here are some recommendations he gives in “What is Karate?” (He doesn’t give an exact workout.)
Running - 4km per day
Rope-skipping - 20 minutes per day
Dumbell arm exercise (shoulder press?) - 200 times
Dips - 100 times
Push ups (with hands in fist) - 300 times
Inclined push ups - 100 times
Jumping side kick over 4 foot vaulting horse
Inclined dumbell bench press
Exercises requiring a partner:
Hitting bag with upper elbow and side of elbow - 200 times each
Practicing jumping kick with bag
Exercises for neck (with partner)
Leg exercise (squat with partner on back)
Back and Abdomen exercises with partner
Elsewhere in the book, Oyama said that he would bench press 175 pounds 500 times a day.
Then there are karate-specific exercises such as straw striking and exercises that are specific to board and stone breaking abilities. All this was in addition to practicing forms, sparring, etc.
Comparing Lee and Oyama
Now, what strikes me as the essential difference between Lee’s and Oyama’s workout styles is volume. Lee’s weight training routine is relatively brief, and he avoided lifting on days of heavy martial arts training.
While Lee might do an exercise for 2 sets of 8 reps (which is fairly typical), Oyama would do it for hundreds of reps. Clearly, Oyama’s is a more time-consuming approach that would require a lot of dedication.
If you look at pictures of these men, they have quite different builds. For Lee, his training goal was apparently to add bulk. Before the weight training, he weighed only 135 pounds, and he added 30 pounds of solid muscle.
Oyama, on the other hand, was obviously a stockier fellow, and talks in his book about losing weight during periods of intense training. Judging from pictures of him with other people, I would say that he was probably slightly taller than Lee (who was 5′ 8″). Although Oyama was of average height, he doesn’t look like a small guy when standing next to American professional wrestlers, boxers, and strongmen.
Possible Conclusions
The point is not to compare them as saying one was better than the other. I do wonder what affect their training style had on the way they looked and how much was just genetic.
At any rate, if Oyama struggled to keep his weight down, it sounds like high volume training helped him to achieve that. Lee, on the other hand, seems to have been naturally lean and wanted the weight training to bulk up (probably to look better on camera). Too much volume (without steroids anyway) might be counter-productive to that goal.
So, maybe the lesson in this is that if you want to lose weight while simultaneously getting stronger, it might be worth considering an old-fashioned high volume workout routine, assuming you can make that kind of dedication. On the other hand, if your goal is to look like Bruce Lee… well, all I can say is “good luck”!
The author, Greg Bonney, is the owner of Bonney Information and E-Commerce and founder of Scoutcamping.com (http://www.scoutcamping.com).
Copyright © 2005 Bonney Information and E-Commerce.
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