Sundays Are For Reflections!

Thank God for Sunday. A day for reflection. Life is moving as I feel it in different speeds. When we were kids the seasons were so long. The winter holidays were extreme long. The snow was deep and high. Our summers were very hot.

In the early teenage time seemed to speed up little more. Do you remember your older relatives always made comments like Gosh how big you are now and oh what time is running away. Now you can relate to those comments. So what can we do? Is it always like this? I think when you are busy and you are happy time is moving faster. When you are sad, unhappy and do not have things to do time seems to stand still.

What is the advice then? Time is always moving so we can not do anything about that. It is the way we see it or interpret it.

Lucky us we can not do anything to change the time so it has to be ourselves. Take the Sunday to reflect on how you use the time. Is it important to do that? Well it is all up to you.

For me I like to take the time to do it on Sunday. As the bible say to rest on the seventh day. I prefer to take the rest on Sunday. You can choose which day you like most. Maybe you are working on Sunday and prefer another day and thats fine. It seems to be a set time we are on this planet. What we do of it is very personal. Some people just live the days as it come others like to plan every detail of it. If you do plan it think again of what you are planning. What is important in your life today? Is it the same as it was years ago? So now when you plan what is it you are aiming for? Maybe it is the brand new car or a great holiday? Or is it a long life plan for the family? Can we enjoy life more without planning? If we would let go of the watch who would tell us about the time? Try that every now and then. Let go of time. Enjoy the moments that comes by. Look at the nature. How is the nature created by the time? Watch the animals they do not have a clue what time it is. When I am at my evening walks I notice that the gees walks in different ways as I approach them and another direction as 1, 5 hours walk I meet them again. They have their night snacks along the path. The sunrise is also in a different look. The colours are different and the air is thicker in the evening and thinner in the morning. Flowers and the grass smell different depending on the time. Be out there taking a smell and watch the nature. That is what I mean by thank God is Sunday.

MarieLouise is working as a personal trainer and a life coach. She is also very skilled as a networker with several years experience from different MLM companies. http://marielouisefalk.blogspot.com

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A Writer's Vacation

I usually dont go on vacation. A vacation takes me out of my house, away from my keyboard, far from my wireless network. Ive grown to love the little conveniences of my home, the height of my desktop computer, the luxury of using my laptop even while cooking a big meal, the unexpected warmth of my dogs breath against my leg. Before even packing, I miss my bed, my bathroom, my EVOO.

A vacation poses a leap of faith into the unknown. Aside from my normal apprehensions about going way up in the air on some physics principles and prayers, I wonder about the accommodations which never seem to match the brochure. Furthermore, there are noises I am used to sleeping through, locks I feel secure behind, and small amounts of identifiable dirt I can live with peacefully. And then there is the matter of being idle. Vacationing people are not only expected to leave home and family, theyre expected to leave their work. Needless to say, I had more difficulty with the latter, but I did agree to give it the old college try.

Yellow-belly that I am, I did not brave the trip alone. In addition to members of my immediate family, packets of Immodium, and a big bottle of hair conditioner, I packed a few other writers for company. I packed a modest size notebook. I packed enough pens and pencils to rewrite War and Peace, all of which I carried around in my oversized purse, awkwardly lifting and dropping passports and tickets, removing and replacing the books innumerable times for Tic Tacs and gum, knowing it was worth any inconvenience to be able to read on demand.

At our destination, my family predictably abandoned me to pursue fun, and I set up shop. I angled a lounge chair out of the sun on a balcony facing the ocean, and pulled out the first of my books. I grabbed a bottle of water from the refrigerator in our suite, and sat out there a good thirty seconds enjoying the view, the breeze, the quiet, noting my husbands position on a sailboat in case he asked the way the kids used to ask if I had seen them doing tricks in the water. Now my vacation was beginning. I was finally going to be able to enjoy someone elses work, without interruption.

The first ten pages were easy enough. And once I put the towel over my legs to keep from getting one of those sunburns I preached about to my kids, the second ten were bearable. During the next five or so, I finished the last of my peanut M&Ms from the airport, moving directly into my pack of Eclipse. And then I did my best to balance my sunglasses over my reading glasses, which worked, until there was no getting out of the sun on that chair.

As luck would have it, there was also a table and chair set on the balcony, which I could easily position in the shade, so I picked up my water bottle, my towels, my purse, my book, and changed locations. So I was upright. Being upright didnt preclude relaxation. I methodically noted the position of my daughter and husband now in a yellow kayak, acknowledged the mountains, the palm trees, my son who came to get his bathing suit, the heat of the sun, the strength of the breeze against the pages of my paperback, and then this strange black bird which started yelping insistently. I stood up as if to ask why it was disturbing my newly found peace. It seemed to be cursing me out, again and again, until I knew how Dorothy felt to be so very far from Kansas.

Offended, I clutched the railing of the balcony, mourning my lack of peace, wondering how early they started serving tropical drinks at the bar. The bird was relentless. What, I asked myself, could it possibly want from me? I was a stranger, invisible to the other, nicer birds who didnt feel the need to keep calling out to me. I stared up at the sky until my eyes watered, watching this bird for any Hitchcock leanings. He was definitely a screamer. Mom? That would be my luck. While the other tourists were bobbing to reggae, I was under attack by the winged ghost of my mother.

Suddenly I seemed to wake up and understand where I was. I wasnt on vacation. I had traveled into a wonderful new setting! I immediately reached for my notebook and cursed the very resolve that brought me here without my computer, because I was certain I would never be able to write as quickly as necessary in order to capture every sight, smell, and sound for some future story. Six pages later, the ocean still rolled about laughing at me. Bring it on, I smirked. I had towels. I had water. I had a whole new world to imagine.

L. A. Rentschler, author of the newly released novel Mother (amazon.com). Author of Jitters which was produced as a Lifetime Original Movie. Playwright, best known for Deathbed. IWWG. Dramatist Guild of America. http://www.larentschler.com

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The Most Underrated Golfer in History... Buffalo Bill! Huh??

Buffalo Bill was introduced to golf by his father at age 5 and started his PGA Tour career in 1955 at the age of 24, which could be considered a late start compared to today's standards. Even with this late start he ended up with 51 wins on the PGA Tour, 6th on the all time win list. Included in those 51 victories are two U.S Opens and one Masters. He also has won nine Senior Tour Championships including two Senior Majors, one of them the USGA Senior Open in 1983.

Buffalo Bill was inducted into the World Golf Hall of Fame in 1978 and the PGA Hall of fame in 1982. He played on eight Ryder Cup teams and captained the 1979 Ryder Cup. He won five Vardon Trophies, awarded to the player with the lowest scoring average for the year, and was a two-time Player of The Year winner. In 1968 he was the first player to surpass $200,000 in single-season earnings and won his second money title. He was also the second player in history to reach the $1 million career earnings mark, Arnold Palmer being the first.

These are the highlights on Buffalo Bill's golfing career. Only five people in the history of game have accomplished more on the PGA Tour. Sam Snead leads the all time victory list with 81 wins, followed by Jack Nicklaus with 73 and Ben Hogan with 64, "The King", Arnold Palmer, has 62 and Byron Nelson has 52, to round out the top five. All five of these great champions, as well as lesser-accomplished pros, are talked about all the time, but not Buffalo Bill. For some reason his name only pops up occasionally. One would think that with credentials like these, his name would be a household word at least through-out the golfing world. Yet, for some reason that is not the case.

Heck his name hasn't even popped up here yet! Who is Buffalo Bill?

Well for those of you that haven't figured it out yet, it is none other then San Diego's native son, Billy Casper.

Why Buffalo Bill?

When Billy Casper began a strict diet of buffalo meat, he went on a winning streak - 51 PGA Tour victories in all - that assured him legendary golf status. This culinary peculiarity earned Casper the moniker "Buffalo Bill." The rest, including the above-mentioned Masters championship and two U.S. Open titles, is history.

If you have a Great Golf Story you would like to share, email it to floyd@sbmag.org

More interesting golf stories at http://www.sbmag.org/Golf_Stories/Great_Golf_Stories_Index.

Floyd Snyder is an avid high handicap golfer and the owner of Strictly Business Magazine at http://www.sbmag.org and http://www.TraderAide.com

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Refinancing and Car Finance - Is it worth it?

Refinancing and Car Finance - Is it Worth It?

No doubt you have heard of refinancing your mortgage. It has become all the rage, but now you can also refinance your car loan.

You stand to save several hundred dollars over the term of the loan.

My take on it is go for it. Competition is healthy and it will keep the finance companies on their toes providing better service for all. There's just one thing to be careful of online:

Just make sure you go with a reputable company. There are car finance companies on line these days such as E-loan or Capital 1, which are proving themselves worthy adversaries to the standard brick-and-mortar loan companies.

It's not hard to see why? Simply apply from the convenience of your home rather than trudge all the way into some downtown office and line-up in a queue.

It's even better than on the phone, because you can send your application in and forget it. Before you blink you have an approval or not. If you don't, then you can simply find another one.

You can start off with a higher interest rate if you have bad credit and then refinance to a better rate later on.

Be sure to read all the terms and conditions and check with your accountant or financial advisor before making financial decisions.

Graeme Sprigge is the webmaster of SellMyCarForCash.Com, a website dedicated to enlightening you on how to get the most for your car in a private sale. The site is is constantly expanding and includes more great articles, some of which are available for reprinting in your ezine. There is a lack of unbiased information on the net in this are so this site aims to fill the gap.

For more cool articles, cool car selling tips, car finance tips visit http://www.sellmycarforcash.com

For his recommendation on the best online car finance there is more info here

Copyright 2005 Graeme Sprigge. Please feel free to pass this article on to your friends, or use it in your ezine or newsletter. It's a shareware article.

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Don't Pay For Financial Aid Information That You Can Get For Free

Commercial financial aid advice services can cost well over $1,000. You might have heard or seen these claims at seminars, over the phone from telemarketers, or online:

You can't get this information anywhere else. If you are patient and organized, you can find all the information you need yourself free. Below, there are a list of sources.

Give me your credit card or bank account number and I will hold financial aid for you. Never give out a credit card or bank account number unless you know the company or organization you are giving it to is legitimate.

"Buy now or miss this opportunity." Don't give in to pressure tactics. Remember, the opportunity is a chance to give a company money for information you could find for free elsewhere.

Try these free sources of information:

The Student Loan Network

A college or career school financial aid office

A high school counselor

The U.S. Department of Educations website: http://www.FederalStudentAid.ed.gov

Other federal agencies (including the military, if appropriate): www.students.gov

Your state education agency

The reference section of your school or public library

Free online scholarship searches

Foundations, religious organizations, community organizations, local businesses and civic groups

Organizations (including professional associations) related to your field of interest

Your employer or your parents' employers

Dont Pay for the FAFSA
Several Web sites offer help filing the Free Application for Federal Student Aid (FAFSA) for a fee. These sites are not affiliated with or endorsed by the U.S. Department of Education. We urge you not to pay these sites for assistance that is provided free elsewhere. The official FAFSA is at www.FederalStudentAid.ed.gov, and you can get free help from:

FAFSAOnline.com, from the Student Loan Network

The financial aid administrator at your college

The FAFSAs online help at www.FederalStudentAid.ed.gov

Remember, if you are asked for your credit card information while filling out the FAFSA online, you are not at the official government site.

Keep Your Information Safe
How does identity theft happen? Criminals use their access to personal data such as names, Social Security numbers, and bank and credit card information. Using the stolen data, the criminal can fraudulently obtain credit cards, buy items over the Internet, and even establish cell phone accounts.

Reduce Your Risk
Apply for federal student aid by filling out the FAFSA at www.FederalStudentAid.ed.gov.

After completing the FAFSA online, exit the application and close the browser.

Keep your Federal Student Aid PIN in a secure place. (Get your PIN at www.FederalStudentAid.ed.gov.)

Dont reveal your PIN to anyone, even if that person is helping you fill out the FAFSA.

Review your financial aid award documents and keep track of the amount of aid applied for and awarded.

Shred receipts and copies of documents with personal information if they are no longer needed.

Immediately report all lost or stolen identification (credit card, drivers license, etc.) to the issuer.

Report Financial Aid Fraud
A company charging for financial aid advice is not committing fraud unless it doesnt deliver what it promises. For more information about financial aid fraud or to report fraud, call the Federal Trade Commission toll free at 1-877-FTC-HELP (1-877-382-4357) or go to www.ftc.gov/scholarshipscams.

Report Identity Theft
If you become a victim of identity theft or suspect that your student information has been stolen, contact:

U.S. Department of Education
Office of Inspector General Hotline
1-800-MIS-USED (1-800-647-8733)
complain online: www.ed.gov/misused

Federal Trade Commission
1-877-IDTHEFT (1-877-438-4338)
complain online: www.consumer.gov/idtheft

Social Security Administration
1-800-269-0271
www.ssa.gov/pubs/idtheft.htm

Equifax Credit Bureau
1-800-525-6285
www.equifax.com

Experian Information Solutions (Formerly TRW)
1-888-397-3742
www.experian.com

TransUnion Credit Bureau
1-800-680-7289
www.transunion.com

Christopher S. Penn is the producer and creator of the Financial Aid Podcast, a daily free Internet radio show about making college affordable, as well as Chief Technology Officer of the Student Loan Network.

This organization offers federal student loans and student loan consolidation for college students, both undergraduate and graduate. His work has been featured in several books, newspapers, and conferences.

http://creativecommons.org/licenses/by-nd/3.0/us/

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The Importance of Calculating Poker Odds

There are many people who mistakenly believe that poker is a game that is based on chance and luck. However, this is not the case. What many people do not know is that poker is not merely based on luck, but also on probability. Poker odds are very important to review when it comes to successfully playing the game of poker. Before you can be successful at the game of poker, it is important to understand all the subtle nuances of the game itself. One of these nuances is poker odds, which is a very important aspect when it comes to determining if and how an individual will be able to win a poker hand.

When you play a hand of poker, people bet. This is how people win money at poker; it is due to the betting that takes place at the start of and throughout every poker hand. If a person understands poker odds very well, they will be able to accurately decipher which hands are worth playing and which are not.

Using the math and probability skills that are worked out when it comes to poker odds, these players will be able to accurately determine which hands are worth betting higher and which ones may be better to just fold. While anything is possible, and this is where the chance comes in to some degree when it comes to the game of poker, a number of helpful moves can be utilized by understanding and implementing poker odds into an individuals education when it comes to the game of poker.

Professional SEO. He helps a number of online gambling sites like:

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Nationwide Modular Homes - Something For Everyone

Although Nationwide Modular Homes was founded in 1959 to sell owner-builder home kits, it did not begin producing the lines of modular houses on which it has built its reputation until ten years later. Today Nationwide Modular Homes has display sites in Virginia and Georgia, and five production facilities, including one in North Carolina.

Nationwide Modular Homes works with Authorized Builders, who market, construct, and finish Nationwide Modular Homes for customers in fourteen southern and Mid-Atlantic states, and the District of Columbia.

Nationwides Multi-family Homes
Nationwide Modular Homes is unique in that since 1959 it has been producing multi-family modular homes, either from its own plans or adapted to meet the needs of builders. Their engineering and pricing staffs will not only develop plans for a multi-family project; they will submit them to the appropriate agencies for approval, and provide the builder with very detailed pricing projections to aid in their construction scheduling.

The Nationwide Modular home Landmark Collection. Designed for the multifamily market, has standard 2 x 10 floor joists, and fire sheathing rated to meet local building codes. Nationwide Modular Homes have produced every sort of multi-family structure, from apartment buildings, condominiums, and townhouses, to motels. Because their multi-family units are produced in separate modules at the Nationwide Modular Homes factories, they are ready to be attached to the projects foundations when they reach the building site.

All the builder need do is prepare the foundation for the multi family units, and have a crane on site to begin attaching the modules when they arrive. The modules already contain all the necessary insulation, pipes, wiring, plumbing, and knockouts; the builder simply provides the water, sewage, and electrical connections, and then finishes the interiors and exteriors of the units. With the units already 80% completed when they reach the site, the builder is facing a much shorter construction time and will carry the loan for a much shorter time as well, saving a considerable amount interest fees.

Nationwide Singe Family Homes
Nationwide Modular Homes also have several collections of single family homes, ranging from 900 square foot cottages to log cabins to the four thousand square-foot two-story Huntington. Their home plans cover every conceivable style of architecture and can be finished materials of the home owners choice.

To get a clearer picture of the amazing quality and variety of Natinwide Modular Homes, simply visit their website at www.nationwidecustomhomes.com, where they offer floor plans, photos, and even virtual tours of many of their homes.

You can also find more info on Modular Home Prices and Modular Log Cabin Home. 1modularhomes.com is a comprehensive resource to get information about Modular Homes.

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The No-Hassle Way To Topping Up Your Life Cover

Have you considered that the special events in your life recently may warrant a top-up of your life cover? Probably not. You've likely been too busy moving house, planning a wedding or changing nappies - in other words, getting on with life. Understandably, increasing your life insurance cover may not have been at the top of your list of things to do.

Its worth a look at your policy to see if it allows you to top up your cover following special events, without the need for additional medical information. If youre not insured, its a good idea to look for a product which includes this feature.

As a general rule, you can increase your cover by up to 50% - without the need to provide further information for special events such as:

Having or adopting a baby
Getting married or divorced
Taking out a new home loan
Increasing an existing mortgage
Becoming responsible for the full-time care of a close relative.

There will, naturally, be an increase in your premiums for improved levels of cover, and you may need to provide evidence of the special events like those mentioned above.

There may also be limitations, such as the time periods in which you can major an increase to your cover (typically one event every year) or the amount you can increase your cover by (generally up to 50% of the original sun). An age restriction may also apply.

Talk to us for more information and advice on hassle-free top-ups.

www.ezylife.co.nz

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