How To Marry A Millionaire!

Exclusive Online Dating Services – or How to Marry A Millionaire

Whether you're rich or wanting to marry someone rich – there are online dating services which target the wealthy and provide a personal service to their clients.

So, are they for real, or just a con to make you get your credit card out?

Checking for “exclusive dating” on the internet came up with four top online dating sites:-

DatingAgency.com

This is a professional looking site, has nice photos of it's clients but there's nothing to indicate that you could find a millionaire or millionaires here – though you might find love.

MillionaireMatch.com

This is a website that is targeted at successful professionals who are probably too busy to get out and about and date. They describe a millionaire as someone who earns $150,000 and more annually. However, the site does also point out that you don't need to be rich and famous to enjoy the site and it is open to those earning rather less than $150,000!

Berkeley-Sweetingham.com

This is truly exclusive dating with a service and price tag to match. Just reading some of the magazine articles quoted on the site is enough to make you realise that this is out of the ordinary league and reserved for those with a few million to spare.

If you're not in that category, it's worth a visit to the site just to find out how the “other half” lives. Would you fly to Nice (in the south of France) for a date for the day – well, you get the idea!

Marry-an-ugly-millionaire-online-dating-agency.com

If you need a good laugh and want to enjoy a very amusing, completely spoof online dating site – you'll want to check this out.

Someone with a good sense of humour set this site up and it's clearly popular – and rightly so. If you're fed up with the online dating scene – this is the ONLY site for you to visit.

And finally ...

There are plenty of genuine sites out there that offer free trials for men and women simply looking for love. Take advantage of these to find out which sites and forums you enjoy and best of luck!

About the Author

Do make sure you find the right Christian online dating service for you, check out our reviews of popular sites.

Read Jennifer's reviews of popular Christian dating books .

Cancel a Hotmail or Yahoo Email Account

Everything you need to know to close

your Hotmail or Yahoo Mail email account and get it deleted.

Even though Hotmail and Yahoo! Mail are the world's largest email services, that doesn't mean that you're necessarily going to be satisfied with them. For whatever reason, sometimes it's just time to move on...

Below, you'll find a step by step guide to closing your Hotmail email account or cancelling your Yahoo! Mail service.

We'll mention it again below, but please remember that deleting your account is a one-way process: once it's gone, you've lost all the email in it forever.

Cancel your Hotmail email account

To close your Hotmail email account, follow the steps below.

IMPORTANT: Deleting your email account is a one-way process, so you'd better be 100% sure you really want to go ahead. Proceed at your own risk!

• Go to Hotmail.com and log into your account.


• Look for the "Help" link, which is in the top right of the screen.


• Type "Close account" into the search box at the top of the Help window.


• Choose the "Close your account" link.


• Follow the instructions on the screen to close your Hotmail account (there are separate processes depending on whether you have a free or a paid subscription).


• You may have to speak to MSN/Hotmail customer support to complete the process of closing your account.

NOTE: It takes time to delete your Hotmail account (30 days at the time this article was written) even after you close it.

Cancel your Yahoo Mail email account

If you don't log into a regular Yahoo Mail account for 4 months, it will automatically get deactivated.

If you want to close your Yahoo Mail account more quickly, you can do so, but you're going to have to wave goodbye to all of Yahoo's services, not just email. For instance, your Geocities web page, groups, auctions and all other Yahoo services will also be deleted. For a full explanation of the consequences of deleting a Yahoo account, see Yahoo's help system entry on the subject .

To close your Yahoo account (including Mail and all other services), follow the steps below.

IMPORTANT: Deleting your account is a one-way process, so you'd better be 100% sure you really want to go ahead. Proceed at your own risk!

• Go to Mail.Yahoo.com and log into your account.


• Look for the "Help" link, which is in the top right of the screen under the search box.


• Choose the "Account Configuration" link under the "Using My Yahoo! Mail Account" section of the main Help page.


• At the bottom of the page, you'll see a section called "Closing My Account". Choose the "How do I close my account?" link.


• Follow the instructions on the screen to close your Yahoo account.

NOTE: Even though your account will be instantly marked as being cancelled, it will actually be removed about 90 days later.

Hair care in wintertime

As the winter is approaching, our hair starts to behave differently and everyone starts to complain: “my hair looks messy, dry with split ends - I can't do anything with them!”

Hair easily becomes dry during this time of year. It happens under the influence of the dry indoor heating and dry cold weather outside. Cold winter air is drying more and humid less. Indoor heating devices are the reason why air becomes dry. A humidifier can help by adding moisture to the air. You can simply leave a pot of water on your stove, and waters steaming into the air, this will prevent dandruff as well.

But it's just the one from many things that could help to keep your hair more healthy. Here are some more tips for your hair protection during wintertime:

Cold, snow, strong winds are very harmful for your hair. Therefore always wear a scarf, hat or cap to protect your hair from all damaging winters' effects. But make sure that all headdresses were not so tight that it will restrict circulation in your scalp , also do not use hats without protecting your hair with a silk scarf. Before you put on a hat, always remember to put on some nourishing conditioner . It will be like a conditioning treatment.

Adding moisture to your hair is especially important at this time of year. Look for products with cetearyl and cetyl alcohols. Both are structurally similar, derived from coconut. They are the best moisturizing agents for conditioner, shampoo. If your hair is very damaged or dry, you should use a moisturizing shampoo as well. After using a good product that does moisturize hair you want to be sure to lock that moisture in. A cold or cool rinse helps close the cuticle down and seal in the moisture.

Deep conditioning is vital and irreplaceable for parched winter locks. Most stylists recommend deep conditioning minimum once a week. Choose a moisturizer rich in humectants and natural oils. Use a conditioner daily.

Concentrate the conditioner on hair ends. Wash it under the shower, than leave it hanging down. As part of your hair care , do a final rinse in cold water – it's a secret for extra shine to your hair. Don't rinse your conditioner out purely. Leave in about 25 - 30 % of the conditioner; also leave a little conditioner in the ends. Be careful not to satiate the hair too much with hair care products. And remember, never brush your hair when it is wet and also never go outside with your hair wet, you risk breakage!

Don't wash your hair too often during the winter season – you are risking depleting natural oils. If usually you shampoo every three days, so in wintertime shampoo once a week. Advisable massaging the scalp with light oils like jojoba, olive, avocado or shea tree butter. Massage a quarter teaspoon of warm natural oil through your hair once a week. Leave on overnight.

Try to avoid excessive use of "hot" items on your hair such as blow dryers and curling or straightening irons. If you need to use a "hot" item use a leave in conditioner before using the item ...

Face skin care in winter season

Winters season is one of the most dangerous for your face skin . Your face suffers from biting wind, snow, frost and heating at home or work. Your facial skin becomes dry, sensitive and chapped. So, how can you protect and keep your skin healthy?

The most important thing is moisturizing!

When you are having a bath don't forget to control waters temperature – it can't be too hot and also avoid wash your face with hot water as well. Better prepare tepid or even cold water especially in the morning – it will awake your skin.

Don't use water-based moisturizers, because it has a lot of water in it and that might cause a freezing on your face when you are outside. That's why you should use oil-based moisturizer.

You should use scent free soaps and washes also avoid colored or antibacterial facial skin produce. All chemicals which add scents and color are the reason why our skin becomes dry.

For better results apply your moisturizing cream immediately after you have a wash and while skin is still damp. Use moisturizing face cream which includes lecithin and vitamins. Daily use nutritional face cream enriched vitamins, fruity acid.

But undoubtedly best way to hydrate your skin is drink plenty of water.

Don't forget to protect your skin when you are out!

Many people are thinking sun is dangerous only in summer , but it's not true! The snow reflects the sunlight so you must wear sunscreen. Remember, that sun ages your skin. Use moisturizer with SPF 15 or even SPF 30. Your makeup must be with sun protection too .

Also don't forget protect your lips – it's one of the most sensitive areas on your face during wintertime. If you want to have healthy not chapped lips, don't lick and bite them!

To protect chapped lips in winter season, always wear lip balm or lipstick with sunscreen. Choose lip balm which includes propolis.

Pamper your facial skin whit mask.

Once a week use moisturizing or nutritional masks. You can buy them in beauty shop, pharmacy or also you can make it at home from natural products .

Proper Bathing for Good Cat Care

Proper Bathing for Good Cat Care

Cats are generally needed not to be bathed, for they are considered to be naturally-clean animals. They are good when it comes to cleaning themselves, and that is all the bathing that they need. However, there are instances where they may need a bath. Take a look on the following items and check if it is present in your pet cat:

• Your pet cat has got something toxic on its fur and you do not want your cat to lick it;

• Your pet cat is unable of taking care of itself just like normal cats do;

• There are greasy coats that have got to their fur;

• Its fur contains several allergens which you are allergic at;

• You find fleas, lice dip, or tick on its furs; and

• Your cat is now long-haired and it needs some help in washing and/or brushing its fur.

You are quite aware that most cats really hate water; that is why they are contented on cleaning themselves with their tongue. It is important that you introduce bathing to your cat when they are still kitten. Bathing cats also serves the same purpose as we take a bath everyday—to promote cleanliness. As you introduced bathing to your cat when it is still a kitten and you make it as a regular habit to make, you will find out later on that your cat now likes water.

Preparation for bathing your cat is not as easy as you think. Remember that human shampoos should not be used into your pet cats because it contains several ingredients that are strong enough that it can wound your cat’s skin. Always use cat shampoo for bathing your cat safely.

Wear some protection like long sleeves, pants, and a pair of gloves. There are also cat owners who wear safety goggles, especially if they will bath their cat for the first time. The active ingredients of cat shampoo and soap may irritate your skin and your eyes as well. Also, bath your cat in an enclosed space; always close the bathroom door when bathing your cat. Keep in mind that escape is always possible.

It is a good idea that you purchase mild eye ointments or drops to prevent the strong ingredients of your cat’s shampoo and soap from getting into its eyes. You will also need de-greasers, wetting agent, and conditioners to discharge the tangles in its coat. You may use a sprayer attachment in rinsing your cat.

In bathing as well as drying your cats, you may refer to the following steps:

• Apply the mild eye ointment or eye drop to their eyes;

• Fill the sink with lukewarm water and add small quantities of wetting agent.

• Place your cat on the sink carefully and pour the water on its body. Avoid putting water in its ears and head as well.

• Drain the water on the sink; you may now cleanse its head using the shampoo. Place small quantity of shampoo on a wet cloth and wipe it gently over its head, mouth, cheeks, and eyes. Rinse the cloth with clean water and go over again the face to remove the shampoo.

• Rinse it with water for several times until the soap and shampoo bubbles are gone.

• Dry its fur using a towel. After which, you may now comb your cat.

By following the aforementioned steps, you are assured that your cat is clean and healthy as well.

Securing your credit card online

We all get credit card offers through traditional snail mail, and we all know how they work. Although many credit card offers in the mail claim that you are already pre approved, you still have to wait weeks and weeks before you hear anything back once you apply. These days are long gone though, as the Internet has made everything easier. With the Internet, you can apply for a credit card online and receive a response if minutes - instead of waiting weeks and weeks.



If you have good credit, you'll have no problems at all being approved online for a credit card. Those cards that have the best terms and rates are always available for those who have good credit. Therefore, before you apply online, you should know how good your credit is. You can always get a free credit report online, and check your credit yourself. If you do this at least twice a year, you'll always know where you stand with your credit.

If you don't know your credit score of if you haven't looked at your credit report in a long time, now would be the time to do so. Look over your credit report, and fix anything that doesn't add a positive to your report. Always keep in mind that even being turned down for a credit card online can affect your credit score as well, and play a major role with future credit offers.



Once you have looked at your credit report and determined how good your credit is, you can apply online for an immediate answer. No matter which credit card company you visit online, they will all ask for your personal information, such as your name, phone number, social security number, age, employer, income, and things of that nature.

Before you fill out the application online for your new card, you should always go over the terms and conditions very carefully. You should look at the APR, and ensure that there are no surprises. Once you have applied, the company will use your social security number to pull your credit report and use it to determine your credibility and whether or not they can be approved for a credit card.



When you begin filling out the application, you should make sure that the website you are using is encrypted. The standard encryption these days is SSL 128-bit, which ensure that the information you are sending is protected. If the website has less than 128-bit encryption, it may be possible for someone else to steal your information - which could result in identity theft.

Once you have finished filling out the application and send it on, you'll have the final decision in a matter of minutes. If you are using a credit card company with the right technology, the decision will be shown on the screen. If the decision isn't shown on the screen, it will be mailed to you via traditional snail mail. In the event that you don't get approved, you'll be mailed the reason why.



If you've been approved, you can expect to receive your credit card in the mail within a few days. Applying for a credit card online is always the preferred way to receive a credit card, as things will work much faster. No more waiting for weeks at a time to receive a response, as you'll know instantly. There are hundreds of online credit card companies looking for your business - which gives you plenty of choices when choosing the credit card - and company that is best for you.



You can find the best choice of credit cards and pre-paid cards at www.CreditCards.us (http://www.creditcards.us)

By: Matthew Meyer

Matthew Meyer. For more information about credit cards see the credit card section of TheFreeAdForum.com directory at: www.thefreeadforum.com/infowizards/CAT/Credit-Cards_70_1.html

Naked For Peace

Naked For Peace

                          Dare 2 Bare 4 Freedom + Peace

 From BARING WITNESS

Photo: Eva Soltes

November 14, 2002

MAKING THEIR BODIES FIGURES OF SPEECH

West Marin women are serious enough about PEACE to spell it out. Wearing nothing but afternoon rain, 50 determined women lay down on Love Field near the Green Bridge Tuesday afternoon to literally embody PEACE and "show solidarity with the people of Iraq," said the organizers. "Women from all ages and walks of life took off their clothes, not because they are exhibitionists but because they felt it was imperative to do so," the organizers added. "They wanted to unveil the truth about the horrors of war, to commune in their nudity with the vulnerability of Iraqi innocents, and to shock a seemingly indifferent Bush Administration into paying attention." The coordinators, who came up with the idea only a day earlier, said that the coming together of this group on short notice was a testament to the seriousness with which the women view the threat of war with Iraq. "Remembering that tens of thousands of civilians have already died in Iraq as a result of US bombing and sanctions, these women are not convinced by Bush Administration fear mongering that one more person should die," organizers said. They hope the president and news media take notice. (Photo by Art Rogers ©2002 Pt. Reyes)

UnReasonable Women of West Marin







Sunday, January 12, 2003

A cheeky protest

Bay Area anti-war activists go nude in surge of creative vigils

By Joe Garofoli, Chronicle Staff Writer

NUDE WOMEN PROTEST WAR

Ninety-four mostly West Marin women on Sunday used their naked bodies to spell out PEACE on Drake's Beach. Fifty women mounted a similar demonstration in Point Reyes Station Nov. 12. This time 24 men also demonstrated in the buff, creating a large peace symbol on the beach. Organizer Donna Sheehan of Marshall said the demonstrations were a "precursor to the mass naked demonstrations in San Francisco and Washington, DC, on Jan. 18." Sheehan said she expects "a 100,000 people – men and women – to disrobe for Peace" at that time. Sunday's female protesters expressed the "desperation of women" opposed to the Bush Administration's plans for war with Iraq. Sheehan said, adding that the men by forming the international peace symbol were showing "solidarity with the women against global domination and war." (Photo of women by Jan Watson.)





Drake's Beach, Marin Co, January 2003



January 3, 2003

FOR IMMEDIATE RELEASE

NUDE WOMEN PROTEST WAR AGAIN

On December 29th, between storms, on a rocky, wet Pacific Ocean beach, over 100 women got naked again to protest America's policy of naked aggression. This event is a precursor of what is to come.

"Our message to women all over the world, is be bold, be courageous, be vulnerable for Peace." said Donna Sheehan of "Unreasonable Woman Baring Witness", in Pt. Reyes, California.

"The US government does NOT represent the average American women who care about the sacrificing of husbands, sons, brothers, and lovers. We are the life and care givers. There is an old Russian saying, "Every bullet finds its target in a Mothers heart," Sheehan quoted. "We are feeling agony and frustration. At this time in history, WE WILL BE HEARD."

The women are extraordinary ordinary people. They are Democrats, Republicans, librarians, attorneys, waitresses, therapists, artists, from 19 years old to 70-somethings. They are as uncomfortable as anyone else at making themselves vulnerable in this way, yet they are willing to do so, because peace and justice are the cornerstones of a sustainable society. They are willing to do so, because they can imagine a future for peace, in which non-violent resolution is the norm, and the habit of war has been broken. So powerful is the message that similar actions, naked and clothed, have taken place in Bolinas, CA, Santa Cruz, CA, Gainesville, Fl, Missoula, Mt and New York City, with more to come.

The photograph and an article appeared in the Point Reyes Light weekly newspaper.

Tax-deductible donations to

Baring Witness can be sent to P.O. Box 753, Marshall, CA 94940.

Oceana Taicher removes her shirt yesterday at the start of a nude anti-war protest at the Borello Ranch in Pt. Reyes.

Photo: Jeff Vendsel

Saturday December 28, 2002 at 08:52 AM

Florida Men Strip for Peace by FSN



This event was sponsored by the Green Party of Florida and their many friends.



Inspired by the brave women of Marin County,California, who created an image of the word "Peace," with their nude bodies,Florida men gathered to create their own male statement for peace.

On December 21,2002, near Gainesville, Florida, 22 men posed naked to send a stunning Peace message to the American people and the war administration. Braving the cold, these men from Fort Myers to Gainesville, gathered together on a hillside to do the unthinkable: To Bare it all for Peace.

Deeply troubled by the looming war against Iraq, these serious peace advocates determined to express their heartfelt desire for peace, by crafting the word "PEACE" and the Peace Sign with their nude bodies. These images were captured on film by renowned photojournalist and nature photographer, John Moran.

The statement of this photo moment was enriched by the fact that many of the men who came together to create these images were previously unknown to each other. They were bound together by only one thing; their united desire to stop the American war machine. " What we did was outrageous, because war is outrageous," exclaimed Bob Ellenberg. "All the peace loving people in the world need to see what we have done." This depth of passion was echoed by Frank Gubasta, who said, "I'd die for a better/peaceful world for my sons to grow up in." These men intended for their act to be a dramatic statement and they want the chance to express themselves about war and peace. A candidate for Tampa City Council, Kelly Benjamin, says, "I'd love to talk with anyone about peaceful alternatives to this stupid war."

As the photo session took place, the act took on a somber aspect. One of the participants, Jim Cameron, describes the scene as the men moved to take up their assigned positions. "As we walked in a broken group through the tall grass, I was deeply touched at the sight of everyone against the hills, trees, sunlight and blue sky. The group was composed of young college students, old hippies, alternative culture folks and Viet Nam vets. But the sight of everyone wading through the tall grass was so archetypical and I guess reminiscent of the tragedy of war." Once the men were posed for the photograph, Mark Kamleiter, an attorney and peace activist, was struck by the same symbolism. "These bodies, pale and white, laid out, exposed on the ground resembled, symbolically, the dead that the pending war with Iraq will most certainly produce."

This peace action was organized by Diane Cardin-Kamleiter and Linda Pollini, two Green Party peace activists. It sprang from a growing sense of urgency as this country rushes to war. Despite at large peace demonstrations around the country, the media has largely ignored the steadily growing peace movement. Even the most conservative polls show that almost half of the citizens in this county do not want a war with Iraq, yet the mainstream media has neglected serious treatment of the anti-war sentiment in this country.

What is sought from this daring act? That all those who see these photographs stop and reflect on their meaning and hear the message of Peace.

January 18th, San Francisco Peace Demonstration



Unreasonable Women of West Marin

Santa Cruz, CA.



Photographs by Stephen Laufer

A Birds Eye View: The Bonny Doon Beach naked peace sign

MetroActive.com, Santa Cruz

 

East Sussex ,England



Note the frost on the ground. Despite cold weather, a group of 30 peace campaigners went naked in East Sussex for their latest protest against any military action.

On the ice of Lake Superior, USA a group formed a giant peace dove while 2 snowmobiles circled shouting insults. "It was very intense, but very beautiful at the same time." This group of 95 formed a continual line of peaceful touch-hand to foot. "The power felt by all was immense. The image of faceless, oil guzzling aggression circling us leaving us unphased and strong was incredible" said organiser Honore Spickerman. http://www.barewitness.org/

Antarctica, January 2003

  Published on Sunday, January 19, 2003 by CommonDreams.org  

People from McMurdo Station in Antarctica joined with the millions of others around the world in calling for peace not war.With the Antarctic Mt Range in the background we laid on the ice in a symbolic call for peace.Seven continents united.

Champaign-Urbana, IL - 26 January 2003

MIDWEST WOMEN LIE NAKED IN THE SNOW FOR PEACE

February 1, 2003



Mendocino Peace

Photo: Mark Safron

Big River Beach, Mendocino, California

Local women posed in the Arabic translation of peace - Salaam.

Photo: Mark Safron

How to get a higher limit on your credit card

Nearly everyone who has a credit card always has the goal of a higher line of credit. A higher credit card limit will enable you to make much higher purchases, normally purchases that you are unable to get with your current line of credit. There are ways that you can get a higher credit limit. Below, are some tips that will help you raise the limit of your credit.

The most important thing to do when improving your credit limit is to improve your overall level of credit worthiness. This tells banks and lenders that you can be trusted with credit, and that you are little to no risk for them. When lenders and banks look at your credit report, this is the first thing that they look for.



You can attract a lot of positive attention with a credit card company or bank with your finance purchases. You should pay them every once in a while, although you shouldn't go out of your way to make a habit of it. Normally, this should be done as a last resort when all else fails to increase your overall chances of raising your line of credit.

Once you prove to a bank or credit card company that you can be trusted to borrow money, they may raise your line of credit. You should be careful with this strategy however, as this could only apply to your bank or current credit card company. Having a higher credit line may allow you to have more purchasing power, although it can also leave you with more fees and even an increase in your current interest and APR charges.

Another great way to increase your credit limit is to use your credit card every chance you get. When you have a credit card, don't use it just for emergency purposes. If you save your credit card for emergency purposes only, you'll rarely use it. When this happens, your company will begin to wonder about your spending behavior and ability to pay it back, therefore they will start to think twice about giving you a higher line of credit.

When you send in your payment, always try to pay more than just the minimum amount. If you can afford to, you should try to pay the whole outstanding amount. Doing so shows credit card companies and banks that you are striving for better credit. This way, you'll show them that you deserve to have a higher line of credit.



If you follow the above tips, you'll get your credit limit higher in no time at all. Once you get your limit raised, you should protect it at all costs. If you continue to strive for perfection - you'll get a higher line of credit than you ever thought possible.



You can find the best choice of credit cards and pre-paid cards at www.CreditCards.us (http://www.creditcards.us)

By: Matthew Meyer

Matthew Meyer. For more information about credit cards see the credit card section of TheFreeAdForum.com directory at: www.thefreeadforum.com/infowizards/CAT/Credit-Cards_70_1.html

Stock trading: 10 deadly mistakes

To err is human, but to err while trading in stocks can be disastrous. Here's a look at the most common, but deadly, mistakes that should be avoided at all cost.

Here are 10 most common, but fatal mistakes that we all tend to make while trading in stocks. These should be avoided if we don’t want to pay through our nose. Browse through the list and be alarmed at the ones you have been committing or do not know about:

1. It’s no party out there

Trading in stocks is a serious business. It is not something that you do merely for fun. If you are looking for excitement, thrill and fun, then a casino is the right place for you. Stock market is not a game of roulette or poker that you bet your money in and wait for the wheel of fortune to stop at your number. And just in case it doesn’t, you groan and try to recover your losses as fast as you can thereby losing even more money. While it is a human tendency to crave for what one has lost, it is not the right strategy at the stock exchange. The mantrais not to panic, be calm and patient and wait for the next big opportunity. Do not do anything in a hurry.

2. Ego: It should not exist in your trading dictionary

While you may be successful almost always in everything you may venture upon, there’s no guarantee that you are bound to fare well even in stock trading. The opposite also holds true — someone who may have failed in most of the things may spring a surprise when it comes to stocks. So, ego should not be a word in your trading dictionary. If you have an ego big enough to think that you know all and can quadruple your money in a day without any professional help, we wish you all the luck in the world. If you cannot accept that what you are trading in is wrong and take eons to exit the bad trades you are entangled in, your portfolio is bound to touch the nadir in value terms. Whoever you may be and wherever you may have come from — be it Harvard or Stanford — it does not matter at the stock exchange. All the degrees and diplomas, professional achievements, etc that one may have do not matter when it comes to stock exchange.

3. Four-letter words are a big no

Hope, wish, fear, pray — you are not in a temple to hope, wish and pray and neither have you been shoved into a crusher that you fear of something unthinkable. These four-letter words spell doom for you. Please keep away from them. Markets have their very own system of moving up and down. No matter how much you hope, wish, fear or pray they will behave as they have to. A losing trade will not turn into a winning one as an answer to all your hopes, wishes and prayers. When you are wrong, just add another word to your vocabulary — get out (of the losing trades that you are in).

4. Money not meant for trading, is not meant for losing

If you happen to be an inveterate gambler, we have no advice to give. However, if you are not, please do not trade with the money you cannot afford to lose. You should not use money from an existing business, college or school fee, or for that matter money borrowed from someone. If you know that the money you have invested in stocks is not meant for it and there’s a risk involved, you may trade out of fear and emotion and will not apply logic. If by any chance, you are in the aforementioned situation, we strongly recommend that you stop trading until you have earned enough to set aside a corpus or account that you can truly afford to risk without any major financial setbacks.

5. Trading Plan: What on earth is that?

Money does not come by itself. One has to earn it through a well-devised plan and by its successful execution. If you are a trader, ask yourself these questions:

- Do I have a set of rules that tell me what to buy, when to buy and how much to buy, not just for the next trade, but also for the next 10 trades?

- Before I enter a trade, do I know when I will take profits out of it? Do I know when I will get out if I am wrong?

These questions form the first part of a trading plan. You cannot be successful if you cannot answer these questions clearly and concisely.

6. Do not count your chickens before they hatch

Of course, it is wonderful feeling to see your trade do well. However, the success mantrais to hold your horses, for the highly euphoric state that you are in may lead to daydreaming and expectations. In euphoria, you may lose track of your situation. Just because you have convinced yourself of an eventual positive outcome, there is a chance that you may deny yourself the reality. The simple formula is to know exactly where and how you will reap profits once you enter the trade and implement the strategy no matter how profitable the stock may be at that point in time.

7. Oh, this is beyond me now!

One of the most common mistakes that we tend to make is to let things go out of our hands and out of our control. One often tends to let the losses grow too large. Though no one likes to take a loss, taking a small one in time circumvents situations wherein one is forced to take in large losses later. If you think great traders never lose, you are wrong. They may have lost, but they have an uncanny ability to recover quickly from a string of losses, bounce back at the next available opportunity and exit profitably. Every trader needs to develop a mechanism for getting out of bad trades quickly. One needs to research and learn to apply the best methods for placing protective ‘stop loss’ orders. The blueprint for success in situations, where one has to recover from many small losing trades, is to ensure that the winning trades are much larger so that they not just compensate for the loss but also post profits at the end of the day. The normal human psychology is that having faced a series of losses, big or small, one loses hold of the winning trade as well. One should not get affected by such fear psychosis and should give ample time and room to profitable trades.

8. Do not change your strategy unnecessarily

Have faith in your trading plan or strategy. It is normal for markets to go high and low. Do not get perturbed easily and change strategy during the day while the markets are still open. It is human for all of us to react, become emotional and express fear or greed. Barring some very visible signs that warrant change, the key lies in planning the trading strategy before the market opens and adhering to it religiously irrespective of crests and troughs.

9. I should have got out of it earlier

Escape plan is an important part of the trading plan. It’s surprising that most traders do not have a clear exit plan and are unable to get out of a bad trade. They resort to the hope, wish and pray method. They need to be told that markets behave as they have to and one has to accept his/her fault. The easiest way to keep a bad trade from turning into a real bad one is to fix a limit before you get in. You should not hesitate to get out if things do not work in your favour.

10. It pays to flirt; falling in love is a sin

While trading in stocks, there should be no favourites. Getting fascinated and falling in love with a stock or two is a sin here. If you constantly trade in your favourite stocks and ignore other profitable trade opportunities, you are committing a mistake. Just flirt with stocks — attachments are a big no because such tendencies can be suicidal in terms of trading. It may be detrimental for your financial health.



Follow this advice, avoid mistakes and become a master trader.

By: Dhiraj Ahuja

Techniques that Japan gifted to the world

Japan’s innovative manufacturing and business techniques, if followed, can revolutionise work culture across the globe. Many companies have benefited from these concepts, but India still lags behind.





THE METEORIC RISE of Japan during the 1970s and 80s was amazing and miraculous, and equally surprising was its downfall in the 1990s. Sliding equity and real estate market marked the transitional period of the last decade of the 20th century. Much has been written and heard about this sudden transition from being the centre of adulation to worldwide dismissal. Japan was written-off as an economy devastated beyond recovery and marred by scores of corruption scandals and mountains of dud debt. However, what was, and is still, undermined are the sound manufacturing and business techniques pioneered by leading Japanese manufacturers and the secret of their leading highly competitive automotive and electronic industries. Let me introduce some of these concepts, which can help in managing any business set-up in a better way.

Kaizen is one such technique, which in Japanese means ‘change for the better’ or ‘to take it apart and put back together in a better way’. Kaizen helps in improving productivity by focusing on the incremental improvements achieved through small changes in day-to-day activities, instead of big-bang improvements usually characterised by significant investments in new technologies and systems. The key elements of Kaizen are quality, effort, and empowerment of employees at every organisational level, willingness to change and communication. Importantly, Kaizen must operate with three principles in place: process and results (not results-only); systemic thinking (i.e. the big picture, not solely the narrow view); and non-judgmental, non-blaming (because blaming is wasteful).

Another proven management philosophy practised in Japan and followed by some Western organisations is the Five S’s. It is a technique used to establish and maintain quality environment in an organisation. ‘Five S’ has five elements: Seiri (sorting out useful and frequently used materials and tools from unwanted and rarely used things); Seiton (keeping things in the right place systematically so that searching or movement time is minimised); Seiso (keeping everything around you clean and in a neat manner); Seiketsu (standardising the above principles in everyday life) and Shitsuke (inculcating good habits and practising them continuously). The 5-S practice is useful because it helps everyone in the organisation to live a better life. In 2004, Cyberabad police, embarking on a mission to achieve excellence, declared adopting these two methods. The Hong Kong government is fully committed to promoting the 5-S practice in order to help industries improve their competitiveness.

Kanban and ‘Just in Time’ are two of the best practices in inventory management systems that were pioneered by the Japanese automobile manufacturers, such as Toyota, and have revolutionised the manufacturing industry across the world. These systems have broken the old paradigm of choice between cost and product quality and have enabled companies to offer lower costs as well as better quality to customers. Reduction in manufacturing costs is achieved through reduction in the inventory stocks and supply of inventories by suppliers as and when required. Quality improvement, on the other hand, is the result of lower proportion of component scrap since the components spend less time in the supply chain.

Many corporations have realised that these concepts, if applied appropriately, can humanise the workplace, eliminate hard work, teach people how to do rapid experiments using scientific methods and help in learning, seeing and eliminating the waste in business processes. Some of the leading Indian organisations, such as TATA Motors, India’s largest automobile manufacturer, TISCO, India’s largest steel manufacturer, Larsen & Toubro etc have benefited immensely by the appropriate implementation of Kaizen over the last few years.



While the rest of the world is using these techniques heavily to multiply their profits, India is way behind. Implementation of these management processes can help the Indian companies.

By: Priya Tandon, merinews

Get a credit card without having a bank account

Having a credit card is a great thing indeed, although most are hard to obtain for those who have a less than perfect credit history. The restrictions for getting most credit cards are so tough that those who have bad credit may find it nearly impossible to get a credit card, or they find themselves hit with extremely high APR rates, and find it hard to compete with the interest.

For those who have less than perfect credit or no bank account, there is hope. There are credit cards known as no bank account cards, that can help those with bad credit. These types of credit cards are quite easy to obtain, and they can actually help you to get your credit back and track and live the life you've always dreamed of.



Credit cards of this type are pre-loaded, meaning that the credit limit you have it what you load onto the card, by pre payment. If you want to control your spending and know how much you have, this credit card is what you need. They are also great for those who want to learn about managing money as well. Another great thing about these cards is the fact that they will give you power and convenience of a credit card - yet they will allow you to live within the means of your income as well.

Before you rush and get one of these credit cards, you should first look around and find the best deal possible. Most no bank account credit cards offer you same rewards and incentives of traditional credit cards, along with online access to your account. The best cards are accepted across the world, and offer you ATM access for instant cash. If a card doesn't offer you these types of features, you should pass it by and look for one that does.

Other things to look for with no bank account credit cards include low APR rates, no annual fees, and excellent customer support. Customer support is very important with these types of credit cards, as you don't want a card that doesn't offer you great customer support. If you encounter a problem, you want a company that is going to be there when it matters the most.



If you take your time and research no bank account credit cards, you'll find one that you can't refuse. There are many to choose from, especially if you look online. You should always compare features and rates, and look for companies that offer you cards with excellent features and low rates. This way, you can get everything you love from traditional credit cards - without having to worry about your credit or needing to have a bank account.

You can find the best choice of credit cards and pre-paid cards at www.CreditCards.us (http://www.creditcards.us)

By: Matthew Meyer

Matthew Meyer. For more information about credit cards see the credit card section of TheFreeAdForum.com directory at: www.thefreeadforum.com/infowizards/CAT/Credit-Cards_70_1.html

What are the best options for good credit cards

Those of you who are looking to get the best options with your credit card, should first look into the terms associated with that card. There are a lot of different features that you can get with credit cards these days, including low APR, rewards, no annual fees, and several other perks designed to keep you using your credit card.

There are several credit cards that you can choose from as well, giving you a slew of different options. There are credit cards with instant approval, credit cards with low interest rates, cash back credit cards, reward credit cards, and even prepaid credit cards. If you have good credit, you won't have a problem getting any type of credit card you desire.



Most people think of the best options with credit cards being the rewards. Reward credit cards are great to have, as they give you extra incentives for the money you spend. Whether it's cash back or points to redeem towards hundreds of items, cash back cards make it worth your time and interest to use your credit card. These cards are becoming very popular, as they offer you features that other types of credit cards generally don't offer.

Another great option for credit cards is low APR rates. Your APR, or annual percentage rate, is the amount of money that you pay at the end of the year for your credit card. If you can get a credit card with low APR and low fees, you should hang on to that card. Credit card companies and banks are always competing for your business, and you can normally find credit cards these days with some truly impressive features.

To get the best possible options for your credit card, you should always shop around and compare what each company or bank has to offer. Most options found on credit cards will vary from company to company and bank to bank. If you have access to the Internet, you should use it to find yourself the best possible credit card. There are literally hundreds of credit card offers found on the Internet, many of which offer you some truly great options with their credit cards.

Before deciding on your credit card, you need to determine which options are the best for you. This way, you'll know exactly what to look for. The better credit cards will include several different options, such as low APR, low fees, and certain rewards as well. These types of credit cards are easily the best investment, as they give you a lot of bang for your buck. If you play your cards right and look for the right credit card - you'll get the options you desire with a credit card that you'll be proud to use.



You can find the best choice of credit cards and pre-paid cards at www.CreditCards.us (http://www.creditcards.us)

By: Matthew Meyer

Matthew Meyer. For more information about credit cards see the credit card section of TheFreeAdForum.com directory at: www.thefreeadforum.com/infowizards/CAT/Credit-Cards_70_1.html

How To Improve Your Study Habits and Remember Better

If you're a student attending classes, you have probably experienced many moments when it was hard to make yourself settle down and study, even when an important exam was coming up.

If you're like most students, you put off studying until the very last minute. The night before the exam, you'll stay up all night cramming, getting little or no sleep. In the morning, you'll drag yourself out of bed, psych yourself up with lots of coffee and some cigarettes, and go into the exam feeling exhausted, drained and jittery all at the same time. You'll find it hard to focus or think, and you'll be cursing yourself for not starting to study sooner.

And not surprisingly, unless you're blessed with natural brilliance, or you happen to know the subject matter extremely well, you'll probably do terribly on the test.

If this is your typical method of studying, you already know it doesn't work. Every time you go through this ritual, you tell yourself that you're going to smarten up the next time you face a big exam. Next time you'll start to study weeks in advance, you say. But instead, you keep repeating this crazy pattern. Why does this keep happening? And what should you be doing instead if you want to get better marks?

A big problem for most people, especially those who are young students, is that life gets in the way. If you're a student, you probably have a part time job, and like most young people, you also want to have a social life.

Studying can seem very boring compared to all the exciting temptations just outside your door. Or the games on your computer. Even watching old reruns of Sesame Street can seem more interesting than the biology text your teacher is expecting you to master!

One reason we often don't start studying until the last possible minute is that we have misjudged how long it will actually take us to absorb and understand the material. If your mid-term is still six weeks away, that might seem like plenty of time left before you need to get around to studying. You might find however, that the subject matter is a lot harder to understand than you thought it would be, and all of a sudden there's no time left to ask someone to explain it to you.

Another reason we often put off starting to study is that we are too overwhelmed with how big the project actually seems to be. Somehow we convince ourselves that putting off a tough study project can be the best way to avoid feeling overwhelmed by it.

When we are faced with a study project that seems exceptionally difficult and overwhelming, it can be to maintain a high level of interest and motivation for the duration of the learning process.

If you have been guilty of all these bad study habits, it's not too late to learn some other habits that will work better for you.

First, remind yourself why you want to do better in your studies. Maybe you need a good mark to get into a good college. Maybe you want a chance at a career that will pay you well. Always keep your end goal in mind.

You can put little cards up around your room with inspirational messages, and attractive photographs that will remind you why you want to do well in school.

If you feel very overwhelmed, you can improve your motivation and your performance by breaking up the project into smaller sections, or “chunks”. Each time you accomplish one little bit successfully, give yourself a meaningful reward.

If you have a deadline looming, decide how much of the project you need to tackle at one time.

Let's say you have six weeks to master the content of a difficult biology text. Looking through the book you realize that if you study one chapter each night, you can get through the book in 28 days, leaving two weeks in which you can again review the material.

With this knowledge you can pace yourself. You know what your assignment is. You know how much you need to read every night. Concentrate on the immediate task at hand. You don't need to feel overwhelmed by the entire book at one time. Next, work out a system of rewards for yourself. Give yourself a series of small rewards each time you master one chapter, and a larger reward for completing the entire book.

For rewards to work they must be immediate, and personally meaningful to you. There is no point in rewarding yourself with a new fishing rod if you hate fishing.

Rewards don't need to be material objects if there is something else that would really motivate and inspire you. How about attending a special concert, or taking a special trip? You decide. Get creative and think of something that will spur you to take action.

It's very important that the reward take place soon after the work has been accomplished. This creates a sense of positive reinforcement. Give yourself a small reward every time you finish a small part of the job, and a bigger reward when the project is completed. If there is too long a gap between the activity and the reward, it will not have the effect of reinforcing the desired activity.

Besides motivating yourself with a series of external rewards, learn to motivate yourself internally. Tell yourself you're a good learner. Tell yourself you enjoy learning. Tell yourself you enjoy giving your brain a good work out. Congratulate yourself for your efforts. Tell yourself you love acquiring new knowledge, and let yourself feel a joy in learning. Be proud of yourself for the work you do to gain more knowledge.

For information to sink into your brain and be accessible to you, you need to review it several times, and your brain needs to sleep properly for the memories to be encoded in your neurons. You need to reduce your mental stress. Your brain needs good nutrition and it needs to be in a peaceful, confident state. Drugs and alcohol don't help the process of learning.

Write out what you are learning in your own words, and find a learning buddy. Practice explaining to someone else what you have learned. This will increase the likelihood that your brain will remember it.

If you start to cram the night before, you are putting your brain at a big disadvantage.

You're increasing your physical and mental stress, and you're not giving yourself time to review the material several times. By cutting back on your sleep, you're not giving your brain a chance to put the information you've been studying into the hard drive storage of your brain.

By starting your studies early, and reviewing what you've learned, you have a much better chance of remembering and understanding what you need to know when you face a big exam.

Royane Real is a science educator and the author of several books on improving learning. This article is taken from the new short report "Your Quick Guide to Improving Your Learning Ability" You can get the paperback version or download it from http://www.lulu.com/real

Vegetables may keep brains young

Study: Vegetables may keep brains young

CHICAGO -- New research on vegetables and aging gives mothers

another reason to say "I told you so." It found that eating vegetables

appears to help keep the brain young and may slow the mental

decline sometimes associated with growing old.

On measures of mental sharpness, older people who ate more than

two servings of vegetables daily appeared about five years younger

at the end of the six-year study than those who ate few or

no vegetables.

The research in almost 2,000 Chicago-area men and women doesn't

prove that vegetables reduce mental decline, but it adds to mounting

evidence pointing in that direction. The findings also echo previous

research in women only.

Green leafy vegetables including spinach, kale and collards appeared

to be the most beneficial. The researchers said that may be because

they contain healthy amounts of vitamin E, an antioxidant that is

believed to help fight chemicals produced by the body that can

damage cells.

Vegetables generally contain more vitamin E than fruits, which

were not linked with slowed mental decline in the study. Vegetables

also are often eaten with healthy fats such as salad oils, which

help the body absorb vitamin E and other antioxidants, said lead

author Martha Clare Morris, a researcher at the Rush Institute for

Healthy Aging at Chicago's Rush University Medical Center.

The fats from healthy oils can help keep cholesterol low and

arteries clear, which both contribute to brain health.

The study was published in this week's issue of the journal

Neurology and funded with grants from the National Institute on Aging.

"This is a sound paper and contributes to our understanding of

cognitive decline," said Dr. Meir Stampfer of Harvard's School of

Public Health.

"The findings specific for vegetables and not fruit add further

credibility that this is not simply a marker of a more healthful

lifestyle," said Stampfer, who was not involved in the research.

The research involved 1,946 people aged 65 and older who filled out

questionnaires about their eating habits. A vegetable serving

equaled about a half-cup chopped or one cup if the vegetable was

a raw leafy green like spinach.

They also had mental function tests three times over about six years;

about 60 percent of the study volunteers were black.

The tests included measures of short-term and delayed memory,

which asked these older people to recall elements of a story that

had just been read to them. The participants also were given a

flashcard-like exercise using symbols and numbers.

Overall, people did gradually worse on these tests over time, but

those who ate more than two vegetable servings a day had about

40 percent less mental decline than those who ate few or

no vegetables. Their test results resembled what would be expected

in people about five years younger, Morris said,

The study also found that people who ate lots of vegetables were

more physically active, adding to evidence that "what's good for

your heart is good for your brain," said neuroscientist Maria Carillo,

director of medical and scientific relations for the Alzheimer's

Association.

The study examined mental decline but did not look at whether

any of the study volunteers developed Alzheimer's disease.

By Lindsey Tanner

AP Medical Writer

http://seattlepi.nwsource.com/health/1500AP_Diet_Vegetables_Aging.html

October 23, 2006