How to budget

Author : Jeff Lakie

For some people finances come naturally and these people seem to be able to make money simply by standing still! For other people our finances can take a lot of work. If you fall into the latter group you are not alone! Here are some ideas to help you keep your finances on track without spending a lot of time on them every month.The first thing you need to do is create a budget. Creating a budget does not have to be restrictive, but it should be a guideline to help you manage your income and your expenses each month. The first thing you want to do is list all your expenses on a month-to-month basis. The next thing you want to do it list all of your income on a month-to-month basis. Then compare. Many people who have trouble saving find that their expenses are very close to their income. So what can you do?One option you have is to reduce your expenses. This might mean going out with friends a little less or giving up on some luxury that you typically enjoy. Another option you have is to increase your income. Unfortunately, for many people, this is easier said than done.One way that you can reduce your expenses and increase your income is by using a debt consolidation loan. By consolidating many outstanding debts that are due throughout the month into a single loan with a single monthly payment you will be accomplishing several things.First, you will be reducing your monthly payment because you will be securing a larger loan and is spread out over a longer period of time. Second, you'll be reducing the amount of interest you pay because you will be consolidating your many debts into one debt from one provider. Reducing your interest not only helps to reduce your expenses but also increases your income!And if you are able to find some assets that can help you get a secured loan, you'll be able to spread out your payment over a longer period of time and you will likely qualify for a lower interest rate because you have some security to offer the lending institution to back up the loan.Now that you are actively pursuing a budget, you will need to find a way to continue to reduce your expenses over time. A secured loan will help you do that. But don't forget that there are many ways you can also increase your income.Congratulations! You are assembling a budget and getting control of your finances and at the same time you are reducing your expenses and increasing your income. Mark Lambie is the founder of Loan Source, a website for UK residents seeking secured loans. Visit our website today for a free Home owner Loans quote and find out how much we can save you.

Category : General Other

Boost up your Excitement

Author : Olivia Andrews

When a man can't get an erection to have sex or can't keep an erection long enough to finish having sex, it's called erectile dysfunction. Erectile dysfunction is also erectile dysfunction. According to the National Institutes of Health (NIH), an increasing number of men are reporting problems with erectile dysfunction (ED), or the recurrent inability to get or maintain an erection. Differentiated from the more common term, "impotence," which can also cover issues regarding sexual desire and orgasm, ED affects an estimated 15 million to 30 million American men.Typically, ED is diagnosed through gathering medical and sexual histories, a physical examination, and blood tests. Fortunately, the condition can be treated in men of all ages. Although surgery and counseling are sometimes recommended as methods of treatment for ED, the overwhelming choice for most patients and physicians is drug therapy. Patients with ED report great success with Viagra, Levitra, and Cialis. All three drugs have been approved for the treatment of ED by the Food and Drug Administration, and are available through a regular or an online pharmacy.Viagra, the first and best-known drug for the treatment of ED, is taken one hour before intercourse. Viagra does not actually produce an erection, but allows a man to respond to sexual excitement. In essence, Viagra allows the penis to fill with blood and cause an erection. Following sex, the erection dissipates. Viagra shouldn't be used by men who are taking prescription or non-prescription drugs containing nitrates. Today Cialis is gradually becoming the drug of choice for men with erectile dysfunction and is a medication that addresses this growing issue, it is clinically proven to work up to 36 hours after taking it providing men with flexibility when it comes to sexual relations. Most interestingly, this medication does not have to be taken when the time may not be right, although it can work in as little as 30 minutes. Therefore, whether you need the effects right now or in 12 hours time, this may be the pill for you. You can take this wonder drug when you get up in the morning and it will still be effective later in the evening when that right moment comes along. And if you have planned a romantic weekend then you can take Cialis the night before you leave for your romantic get away and will still be effective the following day or evening.Levitra, like Viagra, increases blood flow to the penis during arousal. As with Viagra and Cialis, Levitra should not be used more than once a day, and is contraindicated for men who are taking nitrates or alpha-blockers. For more information on medication and prescription, visit our recommended website http://www.benzer11.com/cialis.html Olivia Andrews, writing for http://www.benzer11.com/cialis.html is a freelance journalist and has written many reviews on subjects such as finance, education, health, entertainment, music, gifts, crafts, travel, apparels and mobile phones.

Category : General Medical: Pharmaceuticals

Signs of a Cheating Spouse...and how they differ from Signs of Infidelity

Author : Dr. Robert Huizenga, The Infidelity Coach

Cheating is different from infidelity? Yes, I believe so. Signs of a cheating spouse will be different from signs of infidelity.In talking to thousands of people embroiled with a cheating spouse or infidelity over the past two plus decades, I've noticed a difference. In our society the word cheating carries different meaning than infidelity. This is important for someone discerning the signs of a cheating spouse or the signs of infidelity. A person who "cheats" is different from someone who is involved in "infidelity."Cheating is most closely described in my e-book as someone who "Doesn't Want to Say No." This is only one of 7 kinds of affairs. The other six kinds of affairs lean more in the direction of infidelity.The true cheater is a rather rare bird, but is probably most glamorized and comes closest to our stereotype of cheating or infidelity. Infidelity, in general, is marked by confusion, pain, doubt, ambivalence and a period of craziness in a person's life.Cheating is an ongoing lifestyle. Here are some signs of a cheating spouse: (substitute the word she for he, if you like.)1. There most likely will be more than one other person. He sees affairs as conquests, usually sexual, and not as a place to find intimacy. Actually he lacks many of the tools and the mind set to have intimate relationships. He most likely will move from one conquest to another. His gratification on a basic level remains primary. 2. He will have little internal conflict about the affair. This differs markedly from the person who can't say no. Your spouse will view the affair or affairs as entitlement. He deserves them. He deserves to be adored. He deserves to have excitement and personal gratification in his life. He has earned it. There is nothing wrong with this. Actually others, perhaps you included, ought to understand this!3. He will operate in a world that supports his illusion and behavior. He will surround himself with those who look the other way or actually encourage his philandering behavior. You will probably not find yourself welcomed in this world. He and his colleagues and friends collude to maintain their world.4. You might run into a problem with the other person or persons. Remember the movie, Fatal Attraction? The other person might attach herself to him with specific expectations to be cared for and perhaps married - perhaps part of his strategy in his conquest efforts. When she is "dumped" or the expectations fail to materialize she may pursue revenge. You might be involved.5. You may not experience a great deal of conflict with him. There is no talk of divorce. Your life might be quite copasetic - unless you rock the boat. He has his playtime and you fill another specific role of quiet support. Keep the balance and life moves along fairly seamlessly.6. There is one problem, however. The problem of aging. Depending on his social context, you might become a liability as you increasingly fail to project a young attractive vibrant image. He wants those around him to reflect back beauty and perfection. If you fail in this regard you may be cast aside. Part of this depends on the financial cost of such "trade-in."7. His fragile, illusionary world and yours may crumble if he encounters failure. Failure is his "Achilles heel." Unfortunately, the distortion and illusion he lives under do not always coincide with reality. He pushes and bends the rules to his advantage. He may not pay close attention to the consequences of his behavior. Those consequences - legal, financial or health - may bite him at some point. He most likely will count on you to be there for him, to cry on your shoulder (perhaps literally) and help him regain his confidence. Dr. Robert Huizenga, The Infidelity Coach, has helped hundreds of couples over the past two decades heal from the agony of extramarital affairs and survive infidelity. Visit his website at: http://www.break-free-from-the-affair.com

Category : Advice

Divorce - Are You Heading Towards It? Test Now

Author : C D Mohatta

Divorce is not like a volcano. One fine day, we find that a volcano has erupted. Divorce happens over a period of time. The relationship breaks down continuously and we realize that life can no longer be lived together. Many couples wake up when the break down has become total. That becomes very difficult to save the marriage. After that they spend endless nights worrying about what to do - To go for divorce or not? Why not to take care of the relationship today and find out how it is and what care it needs. What changes will make it better? And improve it before it reaches the brink?Ask questions such as - Am I happy in my marriage? Is my partner happy? Am I emotionally satisfied? What about my partner? Is marriage giving us joy or pain? Are we still in love? Is one of us feeling victimized? Shall we grow together till our old age? Are we loyal to each other? What kind of relationship do we share now? Are we feeling sick of each other? And so on. Raise as many questions about your marriage, yourself and your partner as you can think of. Take some online tests and quizzes on marriage and relationship. That will give lot of thought to your mind.As you think of questions, you will start thinking more deeply about where you are heading. Find out all that is going wrong. Try to improve that. Discuss with your partner about what you think. Find out all that is going right. Make it still better. Think, plan and act. Before thinking, test your marriage in all the possible ways. Wake up now. Tomorrow may be too late. test your relationship and make it stronger. Let divorce not become a possibility. CD Mohatta writes for ecards, screensavers and wallpapers. The topics of his writings include love, inspiration, holidays, birthdays etc. You can view desktop wallpapers at screene.com, ecards on ecarduniverse.com and quizzes on funquizcards.com.

Category : General Other

Computers Rule Our Lives?

Author : Jennifer Kittell
Whether we like computers or not they invade our homes, work, and school. Setting
aside the internet for a second, computers decide when we can access easy
information like an address book, homework assignments, and even a calculator.
How many times have you used the excuse "My computer ate my homework" and
really meant it? Well, I have used it more than once.The first thing that comes to my mind when preparing a presentation for class or
work is to do it on Powerpoint, my favorite computer program. I love this program
because it looks really fancy when I am done and it is not hard to use. For the five
minutes of the presentation I feel like I have accomplished something requiring
computer intelligence even though in everyday life I have a hard time checking
email.There are many games to get addicted to and many programs that are disguised as
games that make computers seem like a fun pastime. This is all a ploy. People
make these programs so that they hook even the most anti-computer person into
computers and then convince him that he 'needs' to keep adding new "toys" to his
computer. I do want to stress that computers are an important part of our
advancing culture, but the obsession and dependency is nothing more than a
marketing scheme.A lot of media and just general people put a lot of emphasis on the use of
computers. Jobs look for computer literacy as a requirement and some bill paying
services suggest online payment as a good alternative to good old fashioned snail-
mail. It is easier for companies to teach a computer literate person their trade than
it is to teach a person skilled in their trade how to use a computer. This all leads to
the same conclusion: A person is more efficient and more useful if they have
computer skills over any other skill.I hate computers, but you would never know it because I spend more than seventy-
five percent of my time at home in front of the computer. I have the phone right
next to me, my cd player, and all the books and resources I need so I never have to
get up. I have spent so much time in front of the computer in the past year that
when I am bored I just sit at the computer because I feel that I have to be there.I used to think that Bill Gates and other technology geniuses were trapped in a quick
money industry that would vanish within a decade or so. Well, I am now convinced
that they are part of a high conspiracy (called advertising) that has convinced us (the
American people) that we "need" computers. Not only do we "need" computers, but
we "need" to keep making them better by spending more money to promote a
technology that causes glazed over eyes, pale complexions, and sore fingers.The internet is a completely different story. Being a senior graduating in December,
I spend a great deal of time on search engines trying to find a job and setting up
contacts within my industry. There is a lot of great information on the internet that
is great for research for school as well as non-school education. The problem lies
in the fact that anyone can make a web page and solicit their ideas as facts. This
becomes a problem especially when writing papers and being able to have solid
sources to back up a thesis.On the other hand, if you have a web page that promotes a certain topic or educates
people in a positive way you need to be prepared for comments or even attacks
from the significant number of "bad apples" that use the internet. There is not a lot
of ways to control who goes on your site and who doesn't without charging, so the
dilemma remains; How can I address my page to a variety of people without
suffering the consequences of denial and abuse? There is no way, just deal with it
and don't take things too personally.When I think of buying a computer I want a machine that allows me to type my
papers and research the internet. That's it! No monkeys jumping through hoops
when I log on. No computer lady saying "Good Morning Jennifer", no passwords,
NOTHING! Now most of what I think of computers is probably out of pure
ignorance, but I am very comfortable with my ignorant life.So in the end we cannot escape computers, but we can second guess ourselves
when choosing to buy one, use one, or suggest the use. When you are faced with
the decision to add a new program to your home computer, resist. Let computers
simply be one detail to your life that makes things just a little bit easier. Just
remember: When your computer blows up, it shouldn't mean that your life has
blown up.Jennifer Kittell is an experience freelance writer and co-owner of a successful web
design business. Our business specializes in the layout, design, and production of
quality websites.

http://www.mustardseeddesign.com
Category : Computers-and-Technology

How to buy an assembled PC?

Author : Paul

Today PC is considered as the one of the most essential components of our daily life. We can?t imagine a single minute without the presence of a PC. From office to our home, everywhere it has a strong presence. But buying the right PC is not so easy as it sounds. One of the easier processes is buying a Branded PC. There are big names in this field. And they come with lucrative offers to stay ahead in the competitive market. But the buyer always has a dilemma. Which one is the best and cost effective? If one branded PC has one advantage, the other has one more advantage, so the best possible way is to build your own PC with all the advantages that you require. Knowledgeable persons, however, prefer buying an assembled PC, as it is cheaper in price and can be custom built. Here are few tips for buying an assembled PC?? Make a list of hardware that you require. This can be done by consulting with someone who has a solid knowledge. ? Find out a shop that has market goodwill.? Ensure that all hardware parts have warranty. Some parts like hard disks nowadays come with five years warranty. So it is recommended to check carefully before installing the hardware in the PC.? Today most motherboards have on board graphic cards. But if you are a multimedia professional, you can fit an additional graphic card (AGP card).? The cabinet of the PC is an essential part. Because all main parts are to be stored there. Nowadays some very good ATX cabinets with powerful SMPS (Power supply), 3 fans and front USB ports can be found at cheap prices. 3-fan cabinet keeps the cabinet cool. Front USB ports are for handy use of external drives like flash drives. ? Monitors are available in different models, category and screen sizes. Some monitors are called LCD monitors. These are absolutely thin and lightweight. Merely 2inch in depth and the screen is flat and square. Normal monitors also come with flat screens. It is up to the buyer?s pocket, which one he/she can afford. ? If one wants to watch TV on computer then a TV tuner can be added.? Your PC can be a good sound system with some speakers. Speakers with surround effect cost a little higher but really sound good. Otherwise there are so many desktop speakers available in the market with a vast range of price and features.? The CD drives are no more called CD-drives. These are now combo drives. In a combo drive you can play DVD, ACD, MP3, CD?s and can write your own CD?s. Conventional CD drives and CD writers are also available. ? The newest mouse type is the optical mouse. In this mouse there is no roller ball attached. A laser ray is used for changing the pointer.? If you need to take printouts on a regular basis then go for a printer. The latest category of printer is called all in one. In this printer you can take printouts, can scan and also photocopy. Though the price of this machine is little on the higher side but it really is a utility product. ? After assembling the PC you need to choose an operating system. Windows and Linux are the two widely used OS. ? After installing the OS the required software are installed. It totally depends on the working requirement.After all these steps your PC is ready to use. An annual maintenance is good for your PC Paul has been providing answers to lots of queries through his website on a wide variety of subjects ranging from satellite phones to acne. To learn more visit

http://www.askaquery.com/Answers/qn584.html

Category : General Technology: Hardware / Peripherals

What to Know When Buying a GPS

Author : Chuck Fitzgerald
Why are GPS units showing up everywhere? You might find one in your rental car, on your wristwatch or even built into your wireless phone. Anti-theft systems use one, heavy construction equipment might use one and having one on your boat now seems to be a requirement. Anytime we want to know our exact location on the face of the Earth, the GPS becomes indispensable. Like many other technologies, feature rich GPS units are now affordable for the average person. So how do you know which one to purchase? Let's look at few things to consider prior to buying your next GPS unit, but first, what is a GPS unit?A GPS (Global Positioning System) unit has the primary function of calculating its own location on land or water by using satellite signals. Once the GPS unit knows its own location, it can help the user determine direction and distance to other known locations. For instance, a GPS on a boat can tell the captain how far it is to the shoreline or how far it is to a favorite fishing spot. For the outdoor sportsman a GPS can help with finding your campsite, your vehicle or your next geocache. Popular outdoor activities such as hiking, hunting, fishing, trail running, backpacking, rock climbing, canyoneering and canoeing are all made more enjoyable and safer when you take along your GPS.When buying a GPS system the first thing to consider is how you intend to use it. If you plan on using it while on foot, you'll want a GPS that is lightweight, compact, weather resistant and that is equipped with features important to foot travel. WAAS (Wide Area Augmentation System) is one such feature. WAAS greatly increases the accuracy of your GPS, in most cases to within 10 feet. Accuracy within a few meters is important for the outdoor enthusiast but not nearly as important for navigating through town in your rental car. Next, be sure your GPS has at least 12 channels of reception too. Since your GPS will only work when it receives signals from satellites orbiting the Earth, less than 12 receiving channels will not get the job done in wooded areas or in steep terrain. If you plan on using your GPS to navigate while driving in your car, its weight is not nearly as important as its ability to display street maps. The GPS mounted to the dash of your truck probably doesn't need to be weatherproof, but the one on your boat better be.Here are the features and products I recommend. For the outdoor athlete or sportsman, be sure your GPS has these features: topographical mapping, back tracking, a computer interface, weatherproofing, 12 receiver channels and WAAS. I recommend portable GPS units in the Garmin eTrex Series and the Magellan Meridian Series. For driving applications, be sure your GPS has these features: street mapping, large display, a computer interface and external antenna compatibility. I recommend automotive GPS units in the Garmin StreetPilot Series and the Magellan RoadMate Series. For boating and other marine applications, be sure your GPS has these features: marine mapping, color screen, active sonar, back tracking, a computer interface and weatherproofing. I recommend marine GPS Units in the Garmin GPSMAP Series.Prices for GPS units vary a great deal and in general, you get what you pay for. While some units cost around $100 and offer relatively few features, others may cost as much as $1000 or even more and are loaded with dozens of features. Here is a good rule of thumb for determining how much money to spend on your next GPS. You should expect to pay between $200 and $300 to get a decent GPS Unit. I own a Garmin eTrex Vista. I believe it is the best GPS available for under $300.If you don't have a GPS or yours is more than five years old, now's the time to get one. Adding a new GPS to your inventory of backcountry toys will take your outdoor adventures to a new level of enjoyment. Use this information and you'll Get It Right The First Time. Get Outdoors!Chuck Fitzgerald is the owner of Arizona based BackCountry Toys, an online specialty store with the "Best Gear Out There" and dedicated to helping outdoor enthusiasts to "Get It Right The First Time" with timely educational information. Please visit http://www.BackCountryToys.com to find great gear and to receive the Fact & Tips e-newsletter, "FreshAir"; (800) 316-9055.
Category : Computers-and-Technology:GPS