2011年10月26日星期三

You want to avoid the wet season if possible.

You want to avoid the wet season if possible. Leave the dancing shoes at home and pack a solid set of walking shoes.Personal care items such as sunburn cream and lip protection are essential. I hope you are not one of those people who like to pack the entire wardrobe? Well, forget it! The last thing you need when on safari in Africa is to be lugging arNIKE FREE RUN,ound heavy luggage. They will have the answers you need. As far as the heat is concerned it may be a little more bearable than spending all your time battling wet weather.This is an area you should discuss with a travel agent. Travel light was the advice given to me several years ago and it was very good advice.Light clothing is a must but don't forget to pack a sweater Chaussures Lacosteor jumper because if you are staying out in the wilderness then yes, the temperature can drop. Everything from clothing to sunburn cream should be on your checklist.Clothing is interesting. There is a little preparation to be done and we will look at some of the main requirements you need to include in your checklist before calling for a cab.Check The WeatherWeather conditions will have a big bearing on how enjoyable your holiday will be. It's one of the first things I look at when I travel overseas and believe me, it can make a huge difference to your enjoyment factor. Believe it or not, there are professional safari vacationers who make the pilgrimage to this mighty continent on a regular basis.A safari in Africa vacation isn't just a matter of jumping on a plane and heading off into the magnificent African sunset. A travel agent is usually qualified enough to know when it's when or dry in most other countries.Personal CareAgain, very important when taking an African safari vacation. It would certainly be no fun to get hauled in by airport security over not having your immigration papers up to speed.Once again, your travel agent is your first African safari vacation guide. If you are on medication set up an appointment with your doctor and make sure you will have sufficient supplies to see you through the trip. An African safari vacation for many of us, is a once in a lifetime holiday. While on the subject of medication, check with your travel agent on exactly what you can and cannot take to another country.Your doctor's visit should also include an examination to make sure you are in a good puma pas cher Homme healthy state.Personal information such as passports should be up-to-date. Good preparation should ensure your adventure gets off to a good start.Want The best tips and tricks in preparing for an African safari vacation? Don't spoil your African safari trip by being unprepared..




Skip the winding roads and corny billboards

Skip the winding roads and corny billboards and enjoy your weekend in a cozy cabin in the mountains. When you fly, even the trip home is exciting, with picturesque ocean views from the sky.3) Fly to the Florida Keys.Every beach over in Florida has heard of Key West, where fishing, diving and shopping as the main attractions. Once the peaceNIKE FREE RUN, and quiet set in, you will forget the anxious sound of car horns and the metallic, chlorine tainted taste of city tap water. Consider how much easier, more fun and adventurous it will be to visit those places once you have your sport pilot license. Spend time relaxing by the beach, and fall asleep to the sound of waves crashing outside the window of your resort. Fortunately,Nike Free Run Homme there is now the sport pilot license, which will authorize you to fly an airplane with a passenger. Since a sport pilot license requires safety training and not the rigorous of training a private pilot for night flight or commercial pilot for an airline requires, it is more affordable than a private pilot license. Fly your significant other to a new city for a romantic date.Everyone has a favorite restaurant - somewhere you go for every anniversary, and probably birthdays as well. They will talk about it for years. It's always nice, it isn't too far away, and you know exactly what to expect. Take the scenic route up in the sky, and you'll be there early enough to run to the grocery store and back at the family gathering in time to brag how refreshed you are from you short journey in your incredible aircraft. That relaxing island getaway is just a short flight away with picture perfect views all the way there. Think of the most exotic, exciting or relaxing places you've ever visited, or just wanted to visit. Children love to dream about adventurous experiences such as becoming astronauts, rock stars and pilots. So for your next special occasion, you can pick a place in a city that you two have never seen before, and have a brand new experience.2) Fly to the Bahamas.New regulations enable sport pilots to fly to the Bahamas. In the morning, stroll the beach and pick up a few shells to take back as souvenirs. The trouble is, as human beings, we often appreciate the new and exciting, so that perfect restaurant can become boring after a few visits. You and a friend can spend all day soaking up the South Florida sun instead of having seven-hour punch-buggy marathon in the car.4) Fly to the mountains.Sometimes the fun and sun just doesn't make up for the heat and humidity, and you want to get away. Unfortunately, the other thing everyone in Florida knows about Key West is that there is one way in and it takes all day to get there. But if she had a sport pilot license, she and Toto would have had an easy trip back to Kansas. Start spending your weekends the same fun and carefree way you spend your vacations.Chaussures Lacosterlando Gateway Sport Pilot Flight Center was created to lead the Sport Pilot industry in safety and flight training. Maybe you've even visited the Keys before. You can rule the skies, just like in your dream. We are dedicated to flight training and providing an environment to make your training experience fun, while also providing the safest and best maintained aircraft in Central Florida. As we become adults, we find ourselves revisiting those dreams and realize that we forgot what they meant to us.Piloting an aircraft is a dream shared by so many, yet achieved by so few, often because of a lack of information about the benefits and ease of attaining such a privilege. Once. The roads can be a nightmare over the holidays, and one broken-down motorist two miles up ahead can mean missing your dad's hilarious annual attempt to carve the turkey. Here are just some of the diverse places your sport pilot license can take you once you have that golden ticket.1. Oh, and gifts for the family? Just take them down to the airfield for rides in the sky. And with four gallons of gas at $4 a gallon as your only expense, it's the kind of gift that keeps on giving.Now it's your turn. And the smooth crisp air will remind you that in the rest of the world, seasons really do change.5) Fly home for the holidays.Dorothy had it right, there is no place like home. Lucky you, with your sport pilot license. If you are interesting in turning your dream of flying into a reality please visit us online at http://orlandogatewaysportpilot.com.




2011年10月22日星期六

I think every parent should actively encourage

I think every parent should actively encourage their kids to participate in as many sports as possible right up until (if not through) high school. But should they? A kid that grows up playing NIKE FREE RUN, nike free run +2,soccer every single season since the age of 6 should have some mad skills in the game by the time college recruiters come around, but what are the sacrifices?The worst possibilities are injuries and just plain boredom. And here's why:The excitement. I say, save the single-sport-mindset for college.The "you never know" factor. In high school Nike TN Requin Dollar I raced cross country and nordic skiing, froze my butt off, and had the time of my life. I was encouraged (well, yes, actually forced against my will) to take lessons in tennis and skiing as a young kid (which i hated), as well as play softball (which i also hated) and soccer (which I liked). There's just something about spending just one season for each sport that allows kids to build up real enthusiasm for the next year. People naturally assume I can play basketball because I am tall, so I was roped into a game at school, and realized for the first time I knew absolutely nothing about the sport. I already went over this, but it's one of the saddest things to me when an athlete, recruited to play in college, spends their first season on the bench because they are dogged by injuries from playing too much of the same sport in high school and before. Depending on the sport, playing all year round can lead to repetition injuries, exacerbated by years and years of playing, so that by the time athletes reach a highly competitive age, they have bad shoulders, an injured knee, or are relatively apathetic about a sport that they've been playing for so long. Time away from a sport can be healthy physically as well as mentally, allowing you to shed discouragement over a poor season and look forward to a fresh beginning, as well as letting you savor the victories you did have, without diving right back into the fray. In the end, they'll thank you.Margaret Sullivan is a former collegiate rower and currently works as a graphic designer at ChalkTalkSPORTS and writes for the ChalkTalk blog.ChalkTalkSPORTS is the leading online retailer for non-licensed sports gifts and apparel. In college I played an intermural sport called innertube waterpolo Basket Adidas Homme (look it up and play) and once again enjoyed every minute.Sports should be fun. Because now that I am over the trauma of the dreaded lessons, I can go out and play a fun pickup game of tennis with my friends. As a fan of sports that are off the beaten track, I say try a new sport! Encourage your kids to do so, because they can be incredibly fun and you may even discover a hidden talent.Injury is bad. I may have mentioned this before, but I am a fan of the sports that are off the beaten path. Again with the rowing analogy, I'll say that you might be surprised at the number of people I know who tried rowing (not the most commonplace sport) after injuries had ruled out what they had been playing for years, and were surprisingly good. Some of them thank their lucky stars for getting injured in the first place because they discover an incredible, and occasionally olympic level aptitude for the sport they had never even considered before. I couldn't shoot or dribble well, had three fouls called against me (what, I can't stand there or do that? who made up these rules?), and lasted ten minutes before I was asked to leave the game so they could get on with playing already. Switch it up and, when you can, listen to your body when it protests that it has had enough.Lifetime skills. As someone who grew up encouraged, if not forced, to try out a ton of different sports, I would say in the long run I am so much happier for the experiences. nicely) your kid to play multiple sports. They are the ones that I often enjoyed the most. And soccer was fun, but I was horribly bad, and still am, so gee am I glad I can play something else. I wish my parents had made me play even more sports, like basketball for example. And now, as an adult, I am actually quite grateful. You never know if your kid has a superstar talent waiting to burst into some previously untried sport. I started rowing in high school, and remember looking forward to the spring with huge anticipation for an exciting season of the sport I'd missed so dearly for 9 or so months. well that was useless, but at least I know the drill if I ever get pulled into a pickup or company game. And I actually enjoy it now. And the softball... So I say encourage (if not force... The lessons in skiing brought me to teach myself to snowboard, a sport I now love. With clubs, traveling teams, and all sorts of youth leagues running two, three or four seasons for one sport, young athletes can literally play competitively all year long. I continued rowing in college and realized, spending month after month training and competing, that the break that allowed me to look forward to the next season was one of the things I missed the most. A lot of injured athletes who would otherwise be warming the injured bench, are drawn to rowing because of it's low (or no) impact level sport. Maybe your kid might not become a major league baseball player, but a lifelong appreciation of sports leads to a healthy lifestyle and a mentally stronger adult. With an emphasis on team sports the ChalkTalkSPORTS website offers personalized sport-themed gifts, coaches gifts, over 400 t-shirts, sport room decor, jewelry and hundreds of other great gifts for your sport.Visit The ChalkTalkSPORTS website at http://www.ChalkTalkSPORTS.comLooking for a great gift for athletes, coaches, fans and family? Give your favorite person a SportBEAR! MySportBEAR.com carries teddy bears in tons of sports, with a huge assortment of personalization options, add-ons and accessories to make this the perfect gift. Recently I've noticed that a lot of kids are starting to specialize in a single sport much earlier than, say, just ten years ago. I do wish I had had at least a clue of what to do.The obscure ones. Visit us at http://www.MySportBEAR.com.





Team work is essential in life,

Team work is essential in life, in business, in government, well, just about everywhere, even in a family.And speaking of staying in school because of sports, what about all NIKE FREE RUN, nike free run +2,the emerging Sports Technologies and Sports and Fitness Studies available? As a coordinator for a Technology type Think Tank, I realize that we too need this collective knowledge of sports, and we Nike Air Max Ltd Homme Strategic Business Decisions in our society and civilization.For the last five years, I've been watching the Emerging Technologies in sports, and even offered my Consulting Services to various sub-sectors of the sports and recreation industry, and all I can say is that I see lots of upside, opportunity, and a bright future. Competition breeds excellence in all aspects of our endeavors. Keeping it on the field has been a wonderful thing, which few can deny. We need to better integrate the sports mentality into our society if we are to push ahead. It appears that we need most sports think tanks, and sports technology forecasting to find the synergies needed to bring a little competitive spirit back to our great nation. Sports stars have helped teens stay off drugs, out of jail, and in school - but that's only a start.Sports and Fitness Presentations at local high schools have made a world of difference, and prevented much of that teen testosterone from causing problems in the community. Competition is good for the United States, in fact, it's made us great. Sports areNike TN Requin Dollar an integral part of American Society, and yet, it seems that sports can do so much more for our American psyche than it currently does. Sports and Fitness Preparation builds strong bodies, and strong minds, and it build strength of character too. Why not take advantage of it all? Why not make sports and team work the foundation of human success?Lance Winslow is a retired Founder of a Nationwide Franchise Chain, and now runs the Online Think Tank. Lance Winslow believes writing 21,500 articles was a lot of work - because all the letters on his keyboard are now worn off..





Popular since the 50's bowling has been the sport of the beer

Popular since the 50's bowling has been the sport of the beer drinker for a very long time! Many a men would put on their shoes, grab their ball and head to the alley to show off their skills in an effort for that elusive 300. Grass roots racers enjoy hot weekendNIKE FREE RUN, nike free run +2,s under the sun wearing their own form of sport sunglasses as they tune their engines, rev their motors and take their car down the quarter mile track in a competition that creates a level of Nike Shox Torchexcitement unseen in any other sport. Nothing says America like it's national sport of baseball and nothing is as exciting as lacing up the cleats picking up your bat and walking out to home plate. Auto racing began simultaneously with the advent of the automobile. Although drag racing has seen it's fair share of time in other counties it shares a spot on the American sporting legacy that will go on for centuries to come. This sport eclipses baseball in gross revenue each year but had exclusively remained an American sport much to the sagtrin of the NFL and NFL Europe. Although you can likely find a bowling ally in just about any country, it's roots belong to the good old USA!The most common sport after baseball would have to be football. Sure other countries play it but it's essentially a farm league for the NFL. It's a sport that has evolved to include motorcycles, boats and even tractors! It will surely adapt to anything modern technology can throw its way!Another uniquely American sport has been the sport of professional bowling. Racing on the sand dunes of the Jersey shore to racing across the salt flats, drag racing has remained a unique American sport that has lasted for generations. You know they are wearing some cool sport sunglasses! Some may say that football has become America's past time and it has replaced baseball as a national treasure but one thing is for certain, it is an American sport and is likely to remain that way for a long time to come.No matter what sport you enjoy the most it's undeniable as to the influence the United Stated of America has had on the sporting world. We continue to lead the way when it comes to innovative sports such as Slamball, extreme sports and ore traditional sports such as baseball and football. The feel of the sun beating down on your back, Nike Air Max Ltd Homme the sweat in your eyes and the faint smell of dust in the air; there is no wonder that they call baseball "America's past time." As deeply rooted as baseball is to the fabric of America baseball is not the only sport that's so deeply routed into our psyche.As American is baseball is, motor sports is equally as American. You can rest assured that, if it can be thrown, raced or launched someone in America will figure out a way to turn it into a sport.Author Kim Green never participates in a sporting event without her sport sunglasses.





2011年10月21日星期五

I used self hypnosis to maintain my peak physical

The baseball ring is beautifully made, and stands out a bit from the rest of the rings. These rings, cost the baseball teams thousands of dollars to make for the winning team, and are often sought just as much asNike Requin the World Series trophy itself! Baseball rings can fetch quite a high price, due to their over the top decoration of diamonds, gold and other expensive materials.Changing each year, baseball ring designs have seen some of the best craftsmanship, and some of the worst...Chaussures Timberland Pas Cher When I say baseball rings, I refer to the rings given to each individual player of the winning World Series game. Baseball rings offer baseball players an extra incentive to go out there and give their all, and anything that boosts a players morale and incentive is ace's in my books! I can't wait to see what baseball rings are in store for up and coming World Series Champions!There is much to learn about baseball. The most expensive baseball ring to date, is the 2003 ring given to the Florida Marlins after winning the 2003 Major League Baseball World Series. It's round, not square like most of the other baseball rings, with an Old English style of writing on the front spelling "Sox". The ring is so big it has the name, number and position of the baseball player! It even has the baseball team's season record, results of all three post-season series', and the likeness of the World Series Trophy on the side! The baseball ring was designed by owner of the Florida Marlins, Jeff Luria. The baseball ring consists of 95 diamonds, weighing more than two carats!The standard of baseball rings do vary year to year, but one thing is for sure... It was crafted by InterGold, containing 14-K White Gold withNike Air Max Bw Femme 18-K Gold inserts, 13 rubies and 229 diamonds! The Marlin's eye is even crafted from a rare teal diamond!My favorite baseball ring by far is the 2005 ring given to the Chicago White Sox. Visit Major League Baseball Brainiac [http://www.baseball-brainiac.com] - an excellent source for baseball history, facts and information.For more information about World Series rings, check out the Baseball Brainiac page 'World Series Ring [http://www.baseball-brainiac.com/world-series-ring.html]'..




The mania for the 2010 World Cup in South

 Africa is building up really fast. Get yours today before the stocks run out. These sports fanatics will remain awake throughout the night, following their favorite team and egging them on to win.Those who do not have time to watch this live event keep themselves updated by following the latest world cup news of the world cup soccer event. Due toNike Requin the difference in time zones, some parts of the world will be sleeping while the world cup 2010 games will be under way. Only an ignorant handful of people who do not have any idea about soccer might not have heard Tn Pas Cher Classic about this event which takes place every year. Each home in such countries will have several people staying awake throughout the night. As a football fanatic, you too should take an active part in the games and show of your true colors. 32 teams spread evenly in 8 groups will have their eyes set on a common goal... to with the golden cup and bring it back home. Such is the zeal of this event that leading websites and sports portals have set up countdown tickers on their websites to notify visitors how many days, hours, minutes, and seconds are left for the beginning of the South Africa world cup event to begin.It is not possible for each and every fan to attend this gala sporting event and keeping this in mind, the sponsoring country has spared no pains to ensure that there are live telecasts available to each and every country in the world. Different countries across the earth have their different national sports, but if there is one sport that can truly be called the king of all sports, it is only football (also known as soccer).No other sport has such a huge worldwide following like soccer and this is one of the main reasons why all eyes are riveted towards the date when the soccer world cup will finally take place. There are many online stores that sell memorabilia and souvenirs for this amazing gala sporting blockbuster event. However, there is one thing you can be assured of. The popularity of WC 2010 can be gauged from the fact that there is hardly any country, even those whose teams are not lucky enough to take part, where this fever has not spread.Throughout the day people go around their variousChaussures Lacoste Pas Cher tasks, but once the evening sets in, they change over to a different mindset. They meet each others in the favorite pubs or bars and start discussing in earnest about the 2010 World Cup in South Africa. Specialty websites are set up with the sole purpose to sell world cup tickets to soccer fans all over the world so that they have an opportunity to purchase tickets from the relative com forts of their home. Time will stand frozen from the moment the kickoff to this gala event begins to the moment the last goal has been scored in world cup 2010..





A betting bank is the amount of money that you should

A customer is simply buying the recommendations and advice of sports analysts and experts who will offer their opinions and guidance on the most winnable wagers or bets.For individuals looking to greatly increase their success rate with sports wagers a well chosen sports picks Nike Requinservice is the best way to big winnings. The expert advice within sports picks comes from deep and long term knowledge of a sport, its current season, its long and short term statistics and expertise with the betting systems that apply to each type of sporting event or game.For example, sports picks will take different approaches to such popular games as football Tn Pas Cher Spiderand baseball. Expertise and enthusiasm are not the same thing. Many sports enthusiasts have tried their hands at sports betting and wagers only to be deeply disappointed by the outcome. This takes a two fold set of analysis skills and complete season data. There are not many sports fans who know enough about an entire league's statistics or current season to wager successfully.For people who want successful results with their betting experiences, sports picks are the best investment. This is not because they don't know their favorite teams or sports well enough; it is because they don't know how to apply their knowledge to the specific betting systems around their favorite sports. The advice and recommendations in the sports picks for baseball will not take a points spread into consideration, while the football sports picks will.The information that is purchased through a sports picks service is considered a totally legal activity - as long as the home state of the agency allows it. The complete analysis provided by an expert on sports and betting systems Tn Pas Cher Classic is a sound method of placing reliable and effective wagers.At BestBetOnSports.com thousands of sports enthusiasts have found tremendous financial success by following the advice contained in the company's popular sports picks.When wagering on athletic events, the best Sports picks can be found at BestBetOnSports.com, where the information you need on every sport is at your fingertip. Visit http://www.bestbetonsports.com to find out what information is available..





2011年10月16日星期日

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You carry a balance everyday and the balance might be different on some days. Variable rates
can increase when based on an index that increases (for example, if you have a
variable rate that is prime plus two percent, and the prime rate increase one percent,
then your APR will increase with it). The operative term is "up to" because the
credit card company will issue you a credit limit based on your credit rating and
income and often issues much lower credit limits than the "up to" amount. So, as
long as you pay on time and don't open an account in which the credit
card company discloses every possible interest rate to give itself permission to charge whatever APR
it wants, you should benefit from this new rule. Late
PaymentsSome credit card companies went to extraordinary lengths to cause cardholder payments to be late.
Allocation of PaymentsDid you know that your credit card account
likely has more than one interest rate? Your statement only shows one balance, but the
credit card companies divide your balance into different types of charges, such as balance transfers,
purchases and cash advances.Here's an example: They lure you with a zero or low percent
balance transfer for several months. So, you'll need to keep your eyes open for an
increase in tricks designed to plummet you into more debt and make a habit of
insisting that these companies abide by the new rules of the game once they kick
into action in 2010. These new rules go into effect in 2010 and could provide
relief to many debt-burdened consumers. After receiving over 60,000 comments, federal banking regulators passed new
rules late last year to curb harmful credit card industry practices. It may also reduce
the amount of time it takes to pay off balances.This rule will only affect cardholders
who pay more than the minimum monthly payment. and good riddance!5. However, if you adopt
a policy of always paying more than the minimum, then this new rule will directly
benefit you. This is two-cycle (or double-cycle) billing.The new rule expressly prohibits credit card companies
from reaching back into previous billing cycles to calculate interest charges. Furthermore, these rules do
not go into effect until 2010, so be on the lookout for an increase in
late-payment-inducing tricks during 2009.2. Alternatively, some people trying to get out of debt can negotiate
their own debt-reduction settlements with the help of do-it-yourself debt settlement kits. If you only
make the minimum monthly payment, then you will still likely end up taking years, possibly
decades, to pay off your balances. The amount of interest the credit card company charges
is not based on the ending balance for the month, but the average of every
day's ending balance.So, if you charge $5000 at the first of the month and pay
off $4999 on the 15th, the company takes your daily balances and divides them by
the number of Nike Tn days in that month and then multiplies it by the applicable APR.
Some credit card companies are already lowering credit limits and increasing the minimum monthly payment
amount from around two percent of the outstanding balance to as much as five percent.
So, some cardholders may see their payments double and this could cause a lot of
problems for cash-strapped consumers. High Fees on Low Limit AccountsYou
may have seen the credit card advertisements claiming that you can open an account with
a credit limit of "up to" $5000. So, credit card companies have one year to
wreck havoc on consumers (not that they haven't been doing so over the past 30
years). Two-Cycle BillingInterest rate charges are based on the average
daily balance on the account for the billing period (one month). If you fall into
this category, then you will want to pay close attention to the postmarked date on
your credit card statements to make sure they were sent at least 21 days before
the due date. You should also pay close attention to notices from your credit card
company and keep in mind that this new rule does not take effect until 2010,
giving the credit card industry all of 2009 to hike interest rates for whatever reasons
they can dream up.4. Some companies mailed statements out to their cardholders just days before
the payment due date so cardholders wouldn't have enough time to mail in a payment.
This reduces the amount of interest charges cardholders pay by reducing higher-interest portions sooner. You
would think that you should owe nothing on the next month's bill, right? Wrong. Now,
imagine that you paid off that extra $1 on the first of the following month.
Credit card companies can increase an account's interest rate when the cardholder is "more than
30 days delinquent."This new rule impacts cardholders who make payments on time because, from what
the rule says, if a cardholder is more than 30 days late in paying, all
bets are off. So, that new pair of shoes you bought at 9.99 percent APR
is now costing you 29.99 percent.The new rules require credit card companies "to disclose at
account opening the rates that will apply to the account" and prohibit increases unless "expressly
permitted." Credit card companies can increase interest rates for new transactions as long as they
provide 45 days advanced notice of the new rate. Period. You'd get a bill for
$175.04 because the credit card company charges interest on your daily average balance for 60
days, not 30 days. So, when you send in your payment, they apply all of
your payment to the zero or low percent portion of your balance and let the
higher interest portion sit there untouched, racking up interest charges until all of the balance
transfer portion of the balance is paid off (and this could take a long time
because balance transfers are typically larger Zapatillas Puma than purchases because they consist of multiple, previous purchases).
Bankruptcy is often an obvious option for people financially pinned against the wall, but the
2005 bankruptcy law revision made it more difficult for many consumers. So, all the cardholder
was getting was just a little more credit than he or she needed to pay
for opening the account (is your head spinning yet?) and sometimes ended up charging a
purchase (not knowing about the large setup fee already charged to the account) that triggered
over-limit penalties -- causing the cardholder to incur more debt than justified.The new rules place
restrictions on how much credit card companies can charge for these account setup or membership
fees and requires that they spread out these fees over at least a six-month period
if these fees consume more than 25 percent of the account's credit limit.What now?It's 2009
and these rules don't take effect until 2010. The practice gets more interesting when Bank
A gives itself the right, through contractual disclosures, to increase your APR for any event
impacting your credit worthiness. Of course, paying more than the minimum is always a good
idea, so don't wait until 2010 to start.3. Of course, you should still strive to
make your payments on time, but you should also insist that credit card companies consider
on-time payments as being on time. However, there are three universal points to live by
to get the most out of these new rules: always read your cardholder agreement and
notices, always pay on time and always pay more (much more) than the minimum monthly
payment.Time to Get Out of DebtThese new rules may also have other side effects. It
is essentially reaching back into the past to drum-up more interest charges (the only industry
that can legally travel time, at least until 2010). Gone... Debt settlement is growing in
popularity because it provides financial relief through negotiated reduction in the amount owed, but people
looking to enroll with a debt settlement company should make sure they are dealing with
a well-established, reputable company. Universal default is when Bank A raises your credit card account's
APR when you are late paying Bank B, even if you're not or have never
been late paying Bank A. Consumer credit counseling is another option that's popular, but it
involves more organizational relief than financial relief. But what happens when the credit limit is
a lot lower -- I mean A LOT lower -- than the advertised "up to"
amount?College students and subprime consumers (those with low credit scores) often found that the "up
to" account they applied for came back with credit limits in the low hundreds, not
thousands. So, if your credit score lowers by one point, say "Goodbye" to your low,
introductory APR. To make matters worse, this APR increase will be applied to your entire
balance, not just on new purchases. However, purchases are assessed an 18 percent APR, so
that portion of your balance is costing you the most -- and the credit card
companies know it and are counting on it. For example, some companies set the date
to August 5, but also set the cutoff time to 1:00 pm so that if
they received the payment on August 5 at 1:05 pm, they could consider the payment
late. Essentially, the credit card companies were rigging their payment system to maximize its profits
-- all at the expense of your financial wellbeing.The new rules state that the amount
paid above the minimum monthly payment must be distributed across the different portions of the
balance, not just to the lowest interest portion. This just means that there is no
better time than now to start getting yourself out of debt and out from under
the thumbs of the credit card banks.There are a few ways to get out of
debt. In this case, your daily average balance would be $2,333.87 and your finance charge
on a 15% APR account would be $350.08. To make things worse, the credit card
company charged an account opening fee that swallowed up a large portion of the issued
credit limit on the account. People saw their interest rates go from a reasonable 9.99
percent to as high as 39.99 percent overnight just because of these and similar tricks
of the credit card trade.The new rules state that credit card companies cannot consider a
payment late for any reason "unless consumers have been provided a reasonable amount of time
to make the payment." They also state that credit companies can comply with this requirement
by "adopting reasonable procedures designed to ensure that periodic statements are mailed or delivered at
least 21 days before the payment due date." However, credit card companies cannot set cutoff
times earlier than 5 pm and if creditors set due dates that coincide with dates
on which the US Postal Service does not deliver mail, the creditor must accept the
payment as on-time if they receive it on the following business day.This rule mostly impacts
cardholders who often pay their bill on the due date instead of a little early.
Universal DefaultUniversal default is one of the most controversial practices
of the credit card industry. Here are those practices, how the new regulations address them
and what you need to know about these new rules.1. After you get comfortable with
your card, you charge a purchase or two and make all your payments on time.
As soon as one of these tactics worked, the credit card company would slap the
cardholder with a $35 late fee and hike their APR to the default interest rate.
Do-it-yourself debt settlement kits are available online and are less expensive than a professional,
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45 seconds is generally enough time to take a few photographs, chill out with the fish,
or even shoot your supper. Nothing is absolute and barriers are mere mental hypotheses. According
to him, this category should not be considered nor used as a sport!His quest led
him to achieve 'the ultimate dive'.In June 2005, within 3 weeks and only 10 dives
in the Red Sea, Patrick Musimu marked history by diving consecutively to 100, 136, 151,
170, 185 metres, and on the 26 th of June, he finally reached the mythical
mark of 200 metres.On 30th June 2005, his body, exhausted, forced him to stop after
a dive of 209,6 metres, shattering the deepest human performance registered by almost 40 meters.
Little by little, my mind gains the conviction that there are no limits. The activity
that garners the most public attention is competitive apnea, an extreme sport, in which competitors
attempt to attain great depths, times or distances on a single breath without direct assistance
of a self-contained underwater breathing apparatus nike tn (scuba).The record holder for freediving, an incredibly dangerous sport,
is Patrick Musimi who dived an incredible 687 feet on one breath. an inch underwater
on a breath of air. Best of all the average person can master these sort
of dives in about 2 weeks without spending valuable cash on expensive kit. His record
was finally broken by Herbert Nitsch on 14th June 2007 with a dive of 214m.
You live in the moment, so absorbed that an hour under water (obviously not all
in one go if you're free diving!) erases a week of worries...Wikipedia's definition of freediving
is: any of various aquatic activities that share the practice of breath-holding underwater diving. but
that's how amazing his record is! His decision to step out of the freediving competitions
and go for the 'no limit' catagory marked him out as an extroadinary human being.
Your essentials - mask, snorkel, fins, wetsuit and weightbelt pack easily into a duffel bag.If
you have any romantic views on achieving, or attempting to achieve, depths tn requin similar to Patrick
Musimu's - please first watch the 1988 film "The Big Blue". Free diving has become
an extreme sport where competitors attempt to attain great depths on a single breath -
without the assistance of underwater breathing apparatus. However, this is not only a competitive sport.
A 45 second dive to about 30ft is generally quite deep enough. A simple definition
of freediving is "an inch and a breath" - or otherwise ... He was under
water for close to three minutes.Patrick's record is incredible. Listen to his thoughts on how
he achieves his dives: "During a free dive I feel my mind detached from my
body. You needn't be an athlete to enjoy freediving because the sport is more about
mindset, technique and correct weighting than strength.Snorkelers do qualify, but there is one important element
separating freedivers from snorkelers (and this is heresay) - apparently you achieve a feeling of
true ease and relaxation under the water. See more in the next article...Musimu is a
very focused man. After all, it's dark down there... In this quest, free diving becomes
my instrument, which I play like a virtuoso in the silent world of great depths."It
is not necessary to dive to 200m. We've discussed one of our favorite pastimes frequently
here - scuba diving, but there is a further dimension to diving - freediving. Most
of the ocean's colour and animal life resides within 30ft of the surface so there's
little reason to go deeper. Ok - 3 incredibles... Examples include breathhold spear fishing, free-dive
photography, apnea competitions and, to a degree, snorkeling. As I merge into the maritime world,
I separate from the predetermined idea I have of myself. Nothing but tragedy will be
your reward so for heavens' sake admire others and stick to where there is light
in the ocean! - unless of course you do it properly, take instruction, etc etc
etc.To learn more about this and other extreme sports go to http://www.xtremesport4u.wordpress.comHere we discuss such
varying sports as kite surfing to wingsuit flying.author: Lola Jones.
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The reality of the matter is that most people live in a fairly cosseted environment where
their only contact with the wilderness areas of Africa is through the 'not always entirely
accurate', television and other media. When this happens, history shows that the game is quickly
wiped out by illegal poaching.SummaryWhere African hunting is practised in a properly controlled manner, it
can and does produce large financial and conservation benefits. If the dominating species is not
controlled in numbers, then not only will grazers and browsers suffer, but also the predators
and scavengers and eventually, even the dominating species itself may eat itself out of its
habitat resulting in mass die off by starvation. The hunters also provide regular employment for
them and the money is used to finance schools, hospitals, and safe fresh water bore
holes etc, free from such diseases such as bilharzia and amoebic dysentery (both of which
kill and maim many people in Africa). And would then decide on how many of
each species can be healthily maintained by the ecosystem, and therefore how many of each
species can be hunted whilst maintaining a healthy balance of age groups and sex. Everything
eats everything else in the African bush and the ecosystem of Africa is extremely sensitive
and requires careful, scientific management if the wild places and it's inhabitants are to survive
into the future for coming generations to enjoyThe hunting safaris that we offer to clients
are high income for the country involved, and low impact for the environment (which is
the opposite of photo safaris) and are all part of the game management programme run
by the government of whichever country the hunt takes place in. This rescue was made
possible largely by allowing a few males who were past breeding age and attacking and
killing younger bulls to be hunted by sport hunters. It also helps resolve the conflicting
interests of human and animal populations. This camp, (which would not be there if 925 silver it
were not for the hunter) provides employment for many local and international staff. Despite what
most media and Walt Disney will have you believe, hardly any African animal ever dies
of old age. In African countries where hunting does not happen due to political upheaval
or is banned, the game has no value to the local populations. It is in
those countries where sport hunting does not take place that the wildlife is at greatest
risk.One of the greatest and most successful examples of modern species recovery was achieved by
KZN Wildlife when they succeeded in saving the white rhino from extinction. The story of
this shameful example of political correctness and mismanagement is eloquently told in the book 'The
End of the Game' by Peter Beard.One of the best examples of using hunting as
a responsible conservation tool used to be found in the CAMPFIRE project of Zimbabwe. Some
areas have lost over 60% of their wildlife populationsBy involving the local populations, the Parks
Boards ensure that the local populations will find it more profitable to conserve the wildlife
rather than find them in the position where they have to turn to poaching the
game to feed their families. Walt Disney has a lot to answer for by way
of anthropomorphism!So let's take a look at some of the realities of life in Africa.
If one species is allowed to flourish too much it means the decline and possible
demise of other species. Examples of this might be the rise and fall of lion
populations in the Masai Mara of Kenya where hunting is not allowed, or a more
shockingly graphic example would be the crash of Elephant and other game populations that occurred
in the Tsavo region of Kenya during the drought of 1971 when the Government refused
to cull some of the respective populations to ensure sufficient food supplies for the remainder.
Professional Hunters Association of South Africa).A hunting client will pay a large sum nike tn of money
to cover his camp expenses, which pays for his full board accommodation and camp, hunting
services and the many and all the varied Government levies imposed on the hunter and
his companions. Since the political and economic collapse of Zimbabwe the CAMPFIRE project is in
decline and consequently game populations are suffering enormously from uncontrolled poaching. (Chefs, maids, cleaners etc)
He will then pay a sum of money for each animal that he hunts. Hunting
makes a crucial and essential contribution to that. The licensing system allows populations to be
effectively monitored and controlled by the relevant Game Department or Parks Board.Compared with the random
and indiscriminate slaughter carried out by poachers, selective culling by hunters can and does lead
to a healthy and balanced population and prevent one species flourishing to the detriment of
another. Hunting, especially African hunting has always been an incredibly emotive and often misunderstood subject
amongst people from the western world. This means that poaching and illegal killing is dramatically
reduced. As a result, many thousands of Elephants and a huge number of other game
animals in the area died out. All clients are also accompanied at all times by
a fully qualified and licenced Professional Hunter during their safari. Consequently the locals only see
the game as something that competes with their own survival by eating their crops and
further polluting their own water supplies. This sum is used to pay wages to the
hunting staff (local and Professional) to pay for vehicles which are maintained locally by local
labour) and a large percentage is paid to the relevant Parks Board or Game Department,
who use it to fund further game research and conservation.The hunter also spends considerable additional
amounts of hard currency and provides further employment 'in country' with local taxidermists, hotels, airlines
and air charter companies etc.All animals that are hunted are animals that would otherwise need
to be culled to maintain the balance of the ecosystem. In many parts of Africa,
wildlife has now been recognised as a valuable resource, providing it is managed wisely. These
locals not only benefit from the hunting by gaining the meat from these animals and
a percentage of the profits. Revenues from hunting where a portion is given to the
local communities, not only improves the material condition of that population, but it also gives
them a stake in the wildlife as an incentive to conserving it. The Zimbabwean Parks
Board regularly met with a delegation of locals from each area and the licenced hunting
operator for that particular area. These Professional Hunters are all regulated, examined and licenced by
the relevant National or Provincial Parks Boards and/of Game Departments. All are also members of
the relevant national Professional Hunting Association of that particular country (i.e. When this occurs, the
species that is causing it needs to be culled to maintain the balance of the
eco-system. They would also often decide on the level of trophy fee to be charged
for each animal of each species. This happens for example when one species consumes all
of one type of tree or bush to a height where the smaller species are
unable to reach to feed. All animals hunted, prior to the hunt have all been
issued with the necessary (local, national and international) licences and permits that are required to
be issued by the relevant Parks Board and CITES (Confederation of International Trade in Endangered
Species). These Professional Hunters are a group of highly qualified, knowledgeable and very professional men
and women. The high fees from these hunts have financed most of the KZN Wildlife
White Rhino breeding and research project and the same thing is now being achieved for
the black rhino in an identical manner by the same organisation.Steve 'Shakari' Robinson During his
almost three decades of working in the African hunting industry, Steve has hunted professionally in
six African countries and has a wealth of experience with dangerous game.http://www.shakariconnection.com.
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