Heads up on co-signing loans

In my opinion, if you co-sign a loan with a family member or a friend, you’re looking for trouble. Granted, if you want to help your child buy his first car, you may need to co-sign because the child does not have credit history yet. The danger is that if your son makes a late payment, the bank will come to you to pay it off. Be extremely judicious who you co-sign for. Because of the risk that another person could damage my credit, I will never co-sign for a friend or family.

It’s not homework, it’s an assignment
Outline the following; read these documents and understand every clause. There’s good and bad risk. Make sure you have the skill set to take a calculated risk?

1. home mortgage(s)
2. credit card agreements and statements
3. car loans or leases
4. insurance contracts

Get answers to these questions:
Do I understand the rules of this contract?
Do I understand the amount of risk I’m taking by agreeing to this contract?
Do I understand tax laws surrounding the contract?
Does the contract fit my priorities? Forget whether you think you deserve it (because you probably do)can you afford it?
Can I afford to lose all or part of my money by engaging in this contract?

During my years of law school, I completed an internship with a New York Supreme Court Justice and second legal internship with a law firm and also began investing in real estate. Immediately upon graduating law school and passing the bar exam, I opened my own law practice. From 1988 to 2001, I practiced with my partner under the name Miles and Gillard, where I concentrated in the area of real estate and business law.

Drew Miles

Find Out More:
www.americantaxreliefonline.com

Do Not Worry, Get Driving Your RV

Over the summer my girlfriend and her step-daughter left Baltimore, Maryland and headed for Texas. After Texas they headed to California. From there it was on to Mount Rushmore and home. Well, you get it - she drove all over the country. In fact over 7,000 miles.

What she drove was a 31 foot Coachman RV. She did 99% of the driving; her step-daughter did do a little. But they did work like a team and watch each other when they had to park in the camp sites. We all know how tight some camp sites are, but with a little faness anybody can drive a large RV. Lori is only 5ft 2in tall and weights 110lbs. She has gotten really good driving the RV.

The reason I’m telling you all this is because when we are on the road we always have someone ask if she drives the RV. When they hear that she does the next question is always how well she does.

So we were wondering, what is the deal with driving the RV. For all those not used to driving an RV and think that it is hard to do, we want to share some tips. The trick about driving any size vehicle or towing is the way you set your vehicle up. What I mean by that is getting your head on straight and setting your mirrors properly because that is all you have to work with. Know that when you make a right hand turn you need more room than a car does. Therefore allow for it every time.

Most accidents are caused by not watching how much room you have. One thing you can do to practice how much room you have when you use your mirrors is to have some one drive down the road in the right hand lane and you practice moving to the right. They can use their lights if you do not have enough room to move over. This way you can learn without hurting anything.

You can also do this at night. Practicing at night is a very good thing. A school parking lot is a good place to practice backing up and turning or even parallel parking. Yes you can parallel park a motorhome. My girl had to parallel park the 31 foot RV at a restaurant where they had stopped to eat. You do not have to be afraid of driving a large RV or trailer or even a 5th wheel.

If you take the time to do a little practice, you will be fine. Plus your partner will appreciate this. It is always nice to have that extra driver or second pair of eyes. I have all the faith in the world in my girl when it is her turn to drive. We love to travel a lot and wanted to share a little bit of information on our experiences. I hope this article helps you. Maybe we will see you on the road some where.

Happy RV’ing and Blue Skies

The author and his girlfriend are avid RV’ers who love traveling in their motorhome and seeing the beautiful sights all across the United States.
http://www.1RVdirectory.com

Create a Joyful Home with Living Accessories: Houseplants

Houseplants can be soothing because of their visual impact. Besides being naturally appealing, interior plants can make you feel cooler on hot days, especially when they move softly in the breeze from a ceiling fan.

Houseplants are natural air filters, and can remove up to 70 percent of indoor air pollutants. Plants such as English Ivy, scheffleras, spider plants, and philodendrons absorb large also quantities of formaldehyde, carbon monoxide, and benzene. The most effective plants at removing air pollution are spider plants, pot mums, snake plants, and aloe vera. They’re so effective, in fact, that environmental scientists recommend one plant per 100 square feet in your home and office.

Plant lights, in canister fixtures placed on the floor, can highlight a houseplant while casting dramatic shadows on walls and ceilings. Uplights, placed under palm trees cast magnificent line-type shadows, while plants with holes in their leaves, such as Swiss Cheese Philodendron, will cast lace-like shadows.

You can use houseplants to make a uniquely individual statement. For instance, one of my friends has only spiked-leafed plants in her home — spider plants, snake plants, corn plants, cast iron, and bromeliads. My cousin could only seem to get pothos to grow in her home, so she filled her entire house with them.

Delicate houseplants soften your space, while spiky plants add interesting texture. Collections of African violets, ferns, or trees of all sizes can look fantastic, too. Topiaries, shaped like globes or animals, can add a feeling of luxury and amusement, while Bonsai plants will add a sense of richness to your home.

Keeping Plants Healthy

Because some houses don’t have adequate daylight for houseplants, the best method for keeping your houseplants healthy is to have two plants for each desired space. Keep one plant in a sheltered outside area and one in its decorative site, and switch the plants at least once a week. Special plant light bulbs can also help.

Low light plants include the cast iron plant, philodendrons, pothos, Chinese evergreen, English Ivy, and Satin. Flowering plants, like begonias, impatiens, and fuchsias, require more light. Plants requiring considerable amounts of water generally have hair-like roots, such as ferns and coleus, while plants requiring less water have thicker roots, like spider plants and cactuses.

You can remember to fertilize your plants by doing it on the first of every month, except in cold winter. Adding fish emulsion in the middle of the month during spring will help feed hungry plants like ferns. My staghorn fern has thrived for 15 years on banana skins and an occasional misting of orchid food.

Flowering plants, like white flag or peace lilies, need water-soluble fertilizer with a 20-20 concentration. Applying Plant Shine, a spray available in garden centers, once a month will clean and beautify leaves.

They may take some effort to help them continue to thrive, but the benefits you’ll derive from keeping houseplants in your home will be well worth any inconvenience, and you’ll be healthier and happier as a result.

Joy to you and your healthy, happy home!

(c) Copyright 2004, Jeanette J. Fisher. All rights reserved.

EzineArticles Expert Author Jeanette Joy Fisher

Professor Jeanette Fisher, author of Doghouse to Dollhouse for Dollars, Joy to the Home, and other books teaches Real Estate Investing and Design Psychology. For more articles, tips, reports, newsletters, and sales flyer template, see http://www.doghousetodollhousefordollars.com/pages/5/index.htm

Laptop Demand Increasing

Its absurd that laptop computers are now becoming a common technology, as if you should have one. It looks like the demand is overwhelming the supply as manufacturers are struggling to meet deadlines for shipments. Laptops have just been an incredible market to follow. There has been no decline in shipments. It’s a fast evolving market that is seeing new trends all the time.

Increasing numbers of people are purchasing laptops for gaming as of late. Because of the increasing production and rapid changes it means important components are cheaper in price than before. Notebook computers can now genuinly be used for gaming by game players due to the advanced performance of up to date computers. More positives to come from advanced manufacturing processes is smaller, cooler components that allow for thinner, slick chassis’s. With that mentioned gaming laptops should never be thought of in the same playing field as their PC sibblings. There will be a gap and the argument here is that its not a major factor for the majority. I would not give it too long before we see ultra mobile gaming laptops on the market.

Now and then the average mass market notebook computers just aren’t adequate for what we require them for so custom laptops will forever be about. The main thing with custom laptops is that you can obtain higher spec components. With that in mind you typically get to configure the cpu, ram, hard drive and software. The systems found in shops are normally configured based average, mass market users and well not everyone is standard now are they? You can get a more suitable laptop by buying it built to spec. I like that idea that there are numerous of smaller resellers giving good customer care for custom laptops. Big manufacturers are actaully being overlooked because of this.

It’s amazing to see new laptops coming out every year. Apart from what has previously been spoken of Ultra mobile notebooks are also large niche seeing growth this year. Plenty of similar products have already come out at an ashtonishing pace. I want to see a bigger edition of these inexpensive umpc’s. I think it would be a giant success. Omit power and cost and we could already have this. Consumer trends imply that gaming laptops will become more thinner in the next few years. All the brands are striving to introduce the next best product so it’ll be exciting to observe.

Check out some gaming laptops from rizeon.

Try a Juicy Dildo for a Great Orgasm with your Mistress

Some chaps have a difficult time keeping a tooled up pecker and some ladies have incredibly long sex drives, meaning it takes the chick a really long time to climax Because of this contrast in sex drives, sexual intercourse could turn into a boring and unsatisfying sexual session. That’s why dildos may be helpful. If the gent climaxes early in the sexual session, or even if the woman just takes longer than her bloke, he can continue to penetrate the chick with the huge dildo. That way all sexual play doesn’t end. It gives the man enough time to recharge his energy and helps the female aroused. Therefore when the guy is set up to come back into the sexual session, she’ll still be aroused enough to accept the male.

Your very most stimulation area is your mind. And as far as various girls won’t admit this, the penis is an ancient symbol of power, no matter how massive or tiny, it is still associated with power. Penetrating your woman with a large dildo might well make a fantasy of power fun reality.

Some folks revel in the sensation of feeling full in their vagina or back passage. Whenever a marital toy such as a slim dildo, penetrates the vagina or back passage, the muscles contract around it. Abounding females note the tightening of the above mentioned muscles to be astonishingly enjoyable. For those who want fantastic pleasure try out Sex Toys and lube from Sex Bomb.

The Psychology Of Success; Part 2

In the first part of this article you learned some very important psychological skills for success. You learned how to build up your self-confidence and how to be assertive, fairly. And, how to ask for what you want, but without being confrontational.

In the second part you are going learn how to put things in perspective so that you can counter stress, depression, and anxiety. You’ll see, for example, that the vast majority of worries are unimportant or about things unlikely to occur.

People have moods that go up and down, or “bad days” when they feel especially low. Sometimes, however, those low moods can slip into depression, which is much deeper and lasts longer, as long as months or even years.

Depression takes away your energy, making you feel like you are wading through mud. Everything becomes an effort. When depressed, you loose interest in the things going on around you. You are unable to concentrate and make decisions.

No one knows exactly what causes depression. For some psychologists, it is a chemical imbalance in the brain. Others look to early childhood experiences. Whatever the root causes, there are things you can do to help dig yourself out of depression. One of the first results of depression, as I mentioned above, is the loss of energy. As a result, you become inactive and sluggish.

If you’re depressed, you can counter this by setting some simple tasks for yourself, that because of your depression you’ve stopped doing. And don’t worry that these tasks would normally be easy, like writing a letter or making phone calls. Your depression has made them seem difficult, so they are difficult. If you concentrate on trying to accomplish these small tasks, you will begin breaking the hold of depression.

Another excellent way of counteracting your loss of energy is to keep a diary of your daily activities. Divide your diary into hourly slots, and for few days fill in everything that you do. Then go back to the diary and pick out the activities that were most difficult for you to do. Then pick out those activities that gave you the most pleasure. You’ll be surprised at the number of activities that give you pleasure even when you’re depressed.

Now schedule as many pleasurable inducing activities as possible into your days. Also schedule activities from the diary that gave you energy, such as exercise. And look for activities that you found to be absorbing. You will, of course have other important daily activities to do. But if you can be aware of and plan activities that energize and give you pleasure, you’ll be taking great steps to defeat depression.

As you learned in part one, negative thoughts affect your feelings and negative feelings affect your thoughts in a vicious circle. However, changing your thoughts is especially difficult when in the grip of depression.

One way to make the process easier is to distract yourself. Fill your mind with something else to give you a rest from dwelling on unhappy thoughts. For example, turn on the television. You might find after a while that you are not particularly interested in the program and your mind has wandered to another subject, say a memory sparked by the television show. You have thus broken away from the depressing thoughts that were holding you captive earlier.

Looking for alternative perspectives to your negative thoughts is a fundamental road out of depression. Reexamine your negative thoughts by using the guiding questions I’ve suggested in part 1.

Worry wastes time and energy. Specifically, it interferes with your concentration, complicates decision making, and makes you more pessimistic and problem-focused. Worry also affects your behavior making you less efficient and less confident in your initiative and performance, and more prone to rely on others. Worry affects your emotions, making you feel confused, apprehensive, out of control, and overwhelmed. And it can also be physically debilitating, making you tired and tense.

Most of us worry about things that are not worth worrying about. One of the best ways to stop useless worrying is by asking yourself: “How important is the thing I’m worried about?” The hundred-year rule (”Will this matter in a hundred years?”) is one way of answering this question. Since a hundred years is very far, choose a realistic perspective for you: a week, a year, or a decade.

Another way of assessing the importance of what you are worrying about is to place it in the context of other bad experiences. Ask yourself: “Where, on the spectrum of bad experiences, is the outcome I’m worried about?” If you put a molehill next to a mountain, you’ll see just how small it is.

We have limited resources of time, energy, and life to spend. Worry uses up that time, energy, and life. When you have a problem, ask yourself: “Just how much worry is this worth?” For example, many people avoid litigation even if they have been wronged, because after analyzing the situation, they decide that the months of worry associated with the legal process and the trial aren’t worth the eventual possible rewards.

All kinds of dreadful things could happen today or tomorrow. Most of them are unlikely. Don’t play the “What if . . .” game, inviting all kinds of new things to worry about. Something may happen, but you are not totally sure that it will happen. Even if the event in question is very possible, don’t worry about it. Since it may not come to pass, you are worrying for nothing, and you may even attract the situation into your life by worrying about it.

Stress causes a major reduction in our efficiency. But the right amount of stress can be good for you, such as when an impending deadline pushes you to work faster. Too much stress, however, becomes counterproductive as you start to make mistakes, become confused and muddled, or loose your concentration.

When you get too stressed, you tend to push yourself even harder, which only increases the stress and inefficiency. When this happens take a moment to stop and think. No matter how much pressure you’re under, it’ll be more productive to take the time to step back and put things in perspective. Think about what’s important to you. Establish your priorities. Under stress, you thoughtlessly take up each task as it comes along, without establishing which are more or less important to you.

Once you have a clear understanding of what’s important to you, your priorities, use those priorities to guide your next step. You cannot do everything that you want to do all the time, but you can maintain a balance between tasks that are important and enjoyable to you and tasks that must be done regardless. Maintaining this balance is a key to controlling stress.

Much of our stress comes from our values and attitudes, which greatly determine how situations and events effect us. For example, if you believe that success in life is measured by success at work, you will be especially stressed by work pressures. Or, if you believe that self-sufficiency is the key to success, you will be stressed by situations in which you need to ask for help.

Your self-talk is critically important to relieving pressure and stress. Here are some examples of how you can change your self-talk to relieve pressure:

* Don’t say, “I have to get this done.” Say, “I will do as much as I can in the time allowed.”

* Don’t say, “I shouldn’t ask for help.” Say, “Everyone asks for help sometimes. I would be happy to help someone else.”

* Don’t say, “Others cope far better than I do.” Say, “Everyone is susceptible to stress. I am not alone in this.”

Everyone, even the most successful people all have problems, experience stress, and have negative thoughts. The difference is in the way that successful people are able to deal with their stress and everyday problems. With tenacity and practice, you will begin to stop negative thoughts from hurting you, loose most of your worries, and control your stress. When you master these key psychological skills, you will have taken a major step in living the life of happiness and success you deserve.

Copyright© 2005 by Joe Love and JLM & Associates, Inc. All rights reserved worldwide.

EzineArticles Expert Author Joe Love

Joe Love draws on his 25 years of experience helping both individuals and companies build their businesses, increase profits, and achieve total success. He is the founder and CEO of JLM & Associates, a consulting and training organization, specializing in personal and business development. Through his seminars and lectures, Joe Love addresses thousands of men and women each year, including the executives and staffs of many of America’s largest corporations, on the subjects of leadership, self-esteem, goals, achievement, and success psychology.

Reach Joe at: joe@jlmandassociates.com

Read more articles and newsletters at: http://www.jlmandassociates.com

Angles To Profit From A Land Investment

It will come as no surprise to those investing in land that achieving planning permission on a UK land site is where lies the most lucrative investment land returns, but there are other ways to make money from a land investment, writes Alex Way.

As a very broad guide, UK land which is reclassified for residential development within the UK land planning framework rises tenfold in value (ie land with planning permission is worth ten times more than a similar piece of land without planning permission). As such few other assets have the same capital growth potential as investment land. That is not to say that the average land investment returns 1000% to investors since to achieve growth on that scale from buying land would require that you undertake the project from start to finish yourself.

And many, if not most, people investing in land with a view to taking it through the land planning framework will need to employ somewhere down the line the services of UK land specialists, whose expertise does not necessarily come cheaply. However it is entirely possible to achieve investment land returns of the order of 350-600% because land developers are opening-up their projects to private investors.

The latter in effect provide partial land development funding to these firms in return for which those investors receive a pro rata proportion of the new value of the development land with planning permission. For the purposes of this article we will set to one side this fairly recent phenomenon (recent in the UK, at least - private land development finance is a well-established practice in the US), in order to consider other ways of profiting from investment land.

For more information Contact Nigel Walter at Connaught Asset Management.

Submit Articles to Hundreds of Article Directories and Get Massive Traffic

If you have ever posted articles to article directories (submission sites), then you know what a laborious task it is. There are so many differences between the submission sites, you can end up wanting to tear your hair out. So as a result, you end up doing like I was doing , only submitting to a very few sites.

So the net result is that you lost all the exposure you should have been getting from the other submission sites. What’s the big deal anyway, you say!

Perhaps you’re not fully aware of the enormous viral power of having your articles spread out all over the Net? Let me give just one quick example from my own experience.

In a period of only 6 months I posted 14 articles to only 8 submission sites. Other people then picked up my articles and are using them on their web sites and in their newsletters.

Of course my name is on all my articles, and aslo appears a few t imes on my www.bestaffiliateproducts.com web site, which today has over 260 pages of good content. I add new content regularly.

Now to see the effect all this is having in just 6 months, do a search on Google for “Fred Farah” (in quotes please). 6 months ago “Fred Farah” showed up only 200 times. Far from impressive, right? Right!

Well now, only 6 months later Google finds my name over 11,000 times, and Yahoo over 8,100. Are these pages all mine? I believe that 98 to 99% are me.

Am I telling you this to brag? No, not really (even though I’m very proud of it). The real purpose is to prove to you how truly powerful it is to post articles. And remember that I only used 8 submission sites.

Here’s the good news, actually great news.

After almost one year in the making, Article Submitter Pro launched Aug 23, 2005.

Easy to use, and almost fully automatic, this article submission software looks to perhaps be the most effective viral and time saving Article Tool on the market.

What makes this such an important announcement! Well it’s this..

Now that I’m using Article Submitter Pro, imagine how this is going to dramatically change the status of my recognition. Instead of 11,000 results on Google Search, it might be double or triple that number. By posting articles to dozens of sites, (I started with about 100) I should benefit immensely from the powerful viral effect it will have.

Enough said! If you need more proof check out the benefits listed on the web site. Read the testimonials too, and you can thank me later, after you get your name up “in lights”.

Need more Convincing on the Importance of Articles? Then read more about it here …

Article Submitting, a Valuable Marketing Tool By Ken Nadreau and Fred Farah

Write Articles to get traffic By Jim Edwards
http://www.bestaffiliateproducts.com/write-articles-to-get-traffic.html

Don’t Forget to Write Articles By Rosalind Gardner
http://www.bestaffiliateproducts.com/write-articles.html

By Fred Farah
Copyright 2005

Fred Farah is a long time business man who is now an affiliate marketer. See the benefits of submitting articles to help your affiliate marketing at Affiliate Marketing
And check out the best affiliate products at: Best Affiliate Products

Critic-Driven Writers

An article by a prolific EzineArticles.com writer inspired me to write this
piece. This is good. Writers make their livings by getting ideas from other
writers. Not by plagiarizing or feeding off their work, but by coming up
with fresh ideas. The aforementioned writer talks about the “dummying
down of the population.” Whether dummying or dumbing, no one can
argue the point. Tomes have already been written about it.

Due to lack of funding from our government, the educational system in
Americathe “no child left behind” educational systemhas
deteriorated to where unless they are in private schools, students can
no longer read or write well. They hardly read at all, and what they write
is acronym-ed to death (L0L). So when a contributor writes something
worthwhile for electronic consumption, something of value that can
benefit a reader’s life, let’s applaud that person for having
the guts to be original, rather than target their misspellings. I’m not
championing illiterates. But unlike bad spellers like novelist Norman
Mailer, we don’t have the luxury of copyeditor angels sitting on our
shoulders.

Good critics get paid well for their work because they are specialists in
their fields. Take for example, Slate Magazine media critic Troy
Paterson, New York Times book critic Michiko Kakutani or the legendary
Janet Maslin. Maslin is purported to have left the New York Times
because she got tired of “having to review so much crap in recent
years.” Nevertheless, she still contributes.

The “crap in recent years” proliferates every corner of our culture. But
that’s fodder for another article. I want to say here that everyone’s
opinion should be respected. When we criticize someone else’s writing
we are assuming the role of critic, so we had better know our subject as
good or better than the person being critiqued. There are untold
numbers of Monday morning critics amidst the vast e-writing
population. They make us aware of this with their ego-driven acidic
barbs. Instead of being helpful and original, they get their
material by preying on the efforts of otherskind of like hyenas. Hyenas
are the vilest kind of predators; they wait for others to make the kill,
before feeding on the carcass.

Rather than criticize when you might not be competent to do so, why
not peruse some of the thousands of online pieces for themes you can
use and give them your own spin? You don’t have to agree with what
someone writes. But just one or two words from a single article can
trigger a multitude of your own. Alluding to his enormous lifetime of
work, Normal Mailer said, Quantity Changes Quality.” I’m convinced of it.

“Simplicity-Courage-Humor-Soul”®

Susan Scharfman - EzineArticles Expert Author

A writer/editor, I work with one client at a time, beginner or pro, for a cost
effective solution to your writing and editing needs. Visit me at
http://www.susanscharfman.com.

Happy Holidays? It’s Up To You

The Holiday Season. Does time seem to compress, or is it just me? There’s so much going on — the end of autumn, the beginning of winter, and all the holidays that follow. As a child it was an exciting time of year. As an adult, it seems filled with more shopping, baking, parties, and other events than I can squeeze into the available time.

In Aikido, the martial art that I practice and teach, we have something called “randori,” an exercise in which the student stands alone on the practice mat and as many as five opponents attack simultaneously. Sometimes the holidays feel like this — which task, event, or relationship do I take on first?

The first secret of randori is to handle one attack at a time. I can’t let myself become overwhelmed by the enormity of what’s out there. I must stay fully present with what’s right in front of me. It’s hard to do, but it saves time, energy, and wear and tear!

Secret #2 is to engage the attack. Though it sounds counterintuitive, welcoming the attack puts me in charge of it. I decide what I want to handle first and move toward it.

Planning a family dinner, finding places to stay for the relatives, shopping for holiday gifts, getting the budget report done on time, AND hiring a new administrative assistant — each task by itself might be doable, even enjoyable, but taken together they seem overwhelming. How to stay balanced and effective?

In the midst of life’s multiple, simultaneous events:
Know that each can be an attack or a gift — it’s up to you.
Engage one task at a time.
Every time you experience the pressure of “How can I possibly do it all?” — stop and BE where you are, and give your relaxed presence to the task at hand.

Gradually you’ll feel in charge of the only things you can be in charge of — yourself and the present moment.

Happy Holidays!

Judy Ringer - EzineArticles Expert Author

© 2004 Judy Ringer, Power & Presence Training

You’re welcome to reprint this story. If you do, please include this reference: Judy Ringer is a conflict and communication skills trainer, black belt in aikido, and sole owner of Power & Presence Training. For ideas and inspiration on conflict, communication, and creating the life you want, visit us online at http://www.JudyRinger.com/

Next Page »