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The most common reason most people refinance is to save money, but many people refinance for various other reasons.

1. Refinancing to Lower Your Monthly Payment for an Existing Loan.

You can refinance your existing loan at a lower interest rate thus reducing your monthly loan payments. With interest rates at their lowest for years, you can find some excellent rates - sometimes far much lower than what you’re paying for your current loan or mortgage. Refinancing your mortgage or loan when rates are down could save you hundreds of pounds every month and thousands over the life of your loan.

2. Refinancing to Consolidate Debts.

You may choose to refinance in order to consolidate debts and replace high-interest loans with a low-rate loan. The loans being consolidated may include higher purchase loans, student loans and credit cards. You can clear all your existing credit cards, loans and other debts and replace them all with one low cost cheaper monthly payment. On a £12,000 loan some homeowners can save in excess of £250 a month which is a considerable saving. A debt consolidation loan is a smart solution for anyone who has many outgoing monthly payments. A Refinance loan allows you to repay existing loans from the proceeds of a new loan - the loan is usually secured on property or your home.

3. Refinancing to Reduce the Term of the Loan.

Reducing the term of your loan can help you save money over the life of the loan. For example, refinancing from a 7-year loan to a 3-year loan might result in higher monthly payments, but the total of the payments (or total cost of the loan) made during the life of the loan can be reduced significantly. You’ll also be able to build up your equity faster. Use this free loan calculator (http://www.commercial-mortgage-guide.org.uk/calculator/) to see how the total cost of the loan reduces when the repayment period is shortened. A refinance loan can save you thousands in interest charges over the life of your loan.

4. Refinancing to Switch From Variable to Fixed Rates.

You can also refinance in order to switch from a variable rate loan to a fixed rate loan. The main reason behind this type of refinance is to obtain the stability and the security of a fixed loan. Fixed loans are very popular when interest rates are low, whereas variable rate loans tend to be more popular when rates are higher. When rates are low, you can refinance to lock in low rates. When rates are high, you may prefer the short term discounted variable rate loans to obtain lower payments. A major benefit to refinance is the ability to lock in a low interest rate for the duration of your loan.

5. Refinancing to Switch from One Lender to Another.

Some lenders offer better mortgage or loan deals than others. They may offer better customer support services, more flexible loan repayment terms or just a service that is more suitable for your needs. Refinancing your loan can allow you to drop your current lender and switch to a new one with a better loan or mortgage package.

You should carefully consider the savings you can make by refinancing against the costs and penalties. Any homeowner can refinance, but the point is to find a deal that will improve on your existing mortgage or loan. More articles about refinancing are available at:
http://www.commercial-mortgage-guide.org.uk/refinancing/

© Copyright 2005, Bwalya Mwaba writes for the
The Commercial Mortgage
Guide. Visit our website for mortgage related news, articles, tools and
more: http://www.commercial-mortgage-guide.org.uk/

This article may be reprinted as long as all the above links are active and clickable and this author box (byline)
is not edited.

There are certain tactics that give a tournament fisherman an edge over the other competitors, and produce a win. Sometimes just doing a little extra homework and preparation is all it takes. Planning, practice, and confidence are the keys factors that helped us win local, state, club, and regional tournaments consistently while working our way up the ranks of competitive bass fishing. Here are some of the most important things to do to prepare yourself mentally and physically for the challenge.

MENTAL AND PHYSICAL PREPARATION

Before you even can consider embarking on a tournament trail, or even local, and club events, you must be in good physical condition. This involves being able to lift, bend, twist, and move in a variety of positions, without getting injured. Many people think that fishing is a leisurely sport, but in order to be in top shape for winning tournaments, you must prepare ahead of time. We not only eat and sleep properly, but do regular physical workouts, to get in good shape to lift equipment, jump from the front and back of boats, maintain good balance, have quick reflexes, and be able to go long periods of time, without wasting time eating and drinking. Being able to jump down to your knees quickly, and maneuvering many directions efficiently can mean the difference in winning or losing. One lost fish can mean the difference in first place and last place many times. Not only do we work out physically to prepare, but we practice our techniques in the off season as well.

In the winter, and all times of the year in between tournaments, we practice our flipping, pitching, and casting techniques. In the colder months we set up boxes, simulate docks to practice pitching and flipping, and cast to targets in the yard. Knowing your equipment like the back of your hand, and being able to quickly execute a maneuver is critical in a tournament. Practicing all techniques constantly is vital in giving you the confidence that you need to win when you get to the tournament. Being able to control your emotions, and relax in the prior days and nights can give you an edge over the more inexperienced anglers. Most tournament pros even at intermediate levels are at the top of their game, and take it very seriously, so a slight edge can mean a great deal. The people who can maintain their composure and confidence, and can stick to their game plans under pressure, are the ones that consistently place in the rankings.

STUDYING THE COMPETITION SITE

Before we even start to prefish the lakes or rivers, we obtain all the information we can in the way of lake maps, topographical maps, baitfish, and lake conditions from a variety of sources. Talking to anglers at the lake and local tackle shops can sometimes reveal some interesting information. By no means, do what they say dictate what our plans will be, but it is another tool to use in planning a strategy for the lake. Knowing the lake age, composition of the bottom, structure, both natural and manmade, along with water quality, fertility, and oxygen levels, all come into play when deciding how to start pre-fishing the lake. Contacting local guides, and having some experience on the body of water all help, although sometimes this isn’t always possible.

When we start to prefish the lake before a tournament, we break the lake down into sections. We eliminate the unproductive water for that time of year, and then section it off on maps. We pick the most likely locations where the fish should be holding for the water temperature and lake conditions, and then make a complete run around the lake to view it physically before fishing.

We start by looking for sandbars, points, humps, structure, laydowns, grass beds, etc., all the time watching the shoreline in the area for contours to indicate dropoffs and other structure. After surveying the lake, we then section off several of the best possible locations, and start fishing there. First starting with a search bait, such as a spinnerbait, buzzbait, and a crankbait for active fish. We mark the locations of where the active fish are on the GPS, and move on to the next spot. We never stick more than two fish in an area. Sometimes we fish the baits without any hooks in them, and when they hit you just pull it away from them. Try to find three good sections of the lake with decent fish first, before exploring further for the kicker fish. You can go back to these areas later the next day, and slow down to find the fish that you need to win. Sometimes early in the year bass will stage on a single piece of cover as small as a stick or blade of grass. It doesn’t even have to be real structure sometimes, they just hold next to it. Most of the time, the larger bass, five pounds and up, are alone. They occupy the structure in the area by themselves, rarely schooling with fish of the same size.

UNCONVENTIONAL BAITS

Most pros won’t reveal what they really catch the larger fish on. Most of the fish in lakes that are highly pressured by recreational and tournament anglers for years and years, become conditioned to certain baits. There are always fish that can be caught on conventional baits such as spinnerbaits, worms, and jerkbaits, but these generally are the fish that don’t win tournaments. You can come in with a decent bag of five fish weighing ten to thirteen pounds, but it generally doesn’t get you a check except in some local and club tournaments. The larger fish, the from five and six pounds up,are usually caught on baits such as “Snag Proof” frogs, prop baits, walking baits, and other types of new freak baits, such as a “Sweet Beaver”. Jigs will always take some of the better fish, but will not always win. Old style topwaters, such as a Devils Horse, Dying Flutters, and others, take many large bass. Let me emphasize though, that I like to get a limit in the boat first before pursuing that big “kicker” fish!

Creek Chubs, Zara Spooks, Lucky Craft “Sammy’s”, Jitterbugs, and others, take more quality fish than you can imagine, due to the fact that they are fooled by the baits they just don’t see. Of course, there are specific ways to work these baits, that will produce the better fish, even if you are using the same baits as another angler, and that is the trick.

Recent studies just out this year in 2005, indicate that bass may learn and remember lures they were caught on much longer than previously thought. The new research indicates that bass can remember up to six weeks, so this really comes into play when fishing heavily pressured lakes.

When casting to structure with a topwater bait, dead sticking, and casting directly to the target, and not past it, can be critical. Patience and steady nerves are required to do this properly. Deadsticking a bait is an extremely effective way to win a tournament on highly pressured waters such as Table Rock Lake and many other highly pressured impoundments. In colder water, this is extremely important also. You should let a Senko or other bait such as a fluke or “Sizmic Flugo” fall weightless for a long time by the structure, without giving it any movement at all. Suspending Jerkbaits worked in this manner also produce the bigger bass in pressured waters. Don’t give the bait to much action, and let it sit for a long time in between movements. This is the key.

TIME MANAGEMENT

You must learn how to manage your time properly also, as you have to be thorough with the baits, but know when to switch and when to move. Plan this out in advance and be able to adjust to the water conditions and mood of the fish that day, as things can change rapidly from one day to the next on a body of water, especially when a clod front moves through. Practice at all times of the year, when the weather is bad, and cold, odds are, that many tournament days will be in the rain and wind. You need to know how to catch these fish under adverse conditions, not just fair weather. Plan your trips when the weather is poor. It’s the only way the learn what to do. You must get practice in real tournament conditions. Make sure you time your run to the spots, and spend your time wisely there. Make as many casts as you can until the very last minute, and then open it up and get back as quickly as you can. You need to practice driving your boat in bad weather, under rough conditions, and at high speeds, if you really want to win.

PRACTICE LANDING BIG FISH

You should try to join a private lake and a club, or make trips to Mexico, Texas, Florida, and wherever else you can experience fighting and landing a lot of larger fish. Confidence is the key to success in this business. You must have the confidence in your ability to land big fish without getting overly excited. This is hard to do, so as much practice as you can get doing this before entering major tournaments is a definite plus! A big part of this game is mental. You must learn how to to maintain a high level of concentration also. Don’t pay attention to other things other than your line, the lure, and the fish. Ignore other anglers and spectators that are close by. Keep your focus, and stick to your game plan. Don’t try to show off. That comes later at the weigh in with a twenty pound bag!

Maintain and use the best quality equipment that you can get. This plays a big part in confidence also. It doesn’t always have to be the very highest quality equipment, but you must have confidence in it, and in your own ability to use it properly. Sometimes I go through thirty crankbaits and jerkbaits before I find the best ones. Don’t neglect the basics either. Learn how to tie all the proper knots for the baits you are using, and use the highest quality hooks available. I can’t stress this enough. Follow these guidelines, and get out and practice as much as you can, and your recreational fishing as well as tournament fishing will improve drastically.

1998 Big Bass World Champ/book author,tournament angler, and professional guide. Radio and tv show personality and host of Anglers Radio at http://www.anglersradio.com
http://www.reeltimeanglers.com

All HYIPs use e-gold for their transactions and inorder to invest in any HYIP investment program, you’ll need to have an e-gold account. If you don’t have one already then get one now by clicking here.

After registering for an e-gold account, you’ll need to fund that your account. e-gold cannot be funded directly, it has to be through an e-currency exchanger. There are lots of e-currency exchange companines on the Internet but the one I use is FriendlyPay. Once you open that account, you’ll also open an EMO account if you wish to use your credit card to fund your e-gold account. EMO can also be useful if you intend to send Electronic Money Orders (EMO). Once you’ve opened these accounts, you’ll be able to start funding your e-gold account and start investing immediately. However, you’ll need to be verified by EMO before you can begin any transaction. Its easy and simple and will only take about 10 minutes to open all accounts successfully.

If there are any questions you have about either e-gold, FriendlyPay or EMO, you’ll need to first of all read the FAQs for these programs and also, most importantly, read their terms before contacting support.

As a word of advice, always endeavour to read through the FAQs and terms of any program you intend to join so as to enable you understand the workings of such a program. This is one of the reasons why a lot of people call investment risky because they never bother to read through these vital and important information.

Go ahead and open your e-gold, FriendlyPay and EMO accounts NOW then read all you can about each of them from their FAQs and terms. If you don’t find an answer to any question, then you can use the contact us link to contact support and you’ll definitely get a timely response.

Remember HYIP investment programs are full of scam and hype. You would loose money if you don’t bother to find out how HYIPs operate. Finding out how HYIPs operate will make you an enlightened, literate and confident investor. Follow these instructions and you’ll sure attain financial freedom soon enough.

Now get ready to start opening investment accounts from tomorrow.

Sometimes it can be difficult to round up the old gang from high school; everyone is busy, someone in their family either can’t or won’t go, or people will think, “Oh, those things are so boring.”

Well, if you or someone you know is in charge of coordinating your reunion for the “Class of —-,” you’ll definitely get better results from the get-go if you decide to plan the reunion aboard a luxury yacht, offering your former classmates a real chance to unwind while they reminisce about the “old days” with you and your friends.

Most yacht clubs offer more than adequate dining and banquet rooms for a special occasion like this. One thing to keep in mind in advance, though: Make your reservations early, because this concept is quickly catching on!
And though yacht clubs are always great choices for reunions of that size, the ocean, or sailing yachts will likely appeal to even the stodgiest of your past classmates. There’s just something about floating along in luxury on the world’s oceans that people just can’t resist. Add a good party with lots of good food, service, and great accommodations, and you’ll have one rockin’, rollin’ ship!

Make sure, also, that the yacht is fully licensed to provide a complete beverage service, including host bar capabilities. Other attractions to look for are a good-sized pool (of course!) table linens (in your choice of colors), a good ballroom or dance floor, floral and other decorating arrangements, billiard rooms, adjustable lighting, and even a fireplace! The idea is to make everyone feel both “at home” and “on vacation” at the same time – something that can only be accomplished in few places, such as an ocean yacht!

And, because we’re such a “business society” these days, many of your old classmates may need office facilities, such as a fax or photocopy machine, comfortable desks, chairs, and lamps, and even a “board room” for those who may prefer to mix business with pleasure more than others.

Of course pricing is always a factor, and for a luxury yacht, you can expect the numbers to be around $2,200 per person (for sailings to the Caribbean), up to $10,718 per person for an Owner’s Suite (for Mediterranean yachting). However, you can bring those prices down considerably if you charter a yacht on a per diem basis. Most travel agencies can handle all the details for you.

David Dunlap is the owner and founder of Only For Yachts, an online resource for everything related to yachts. Visit http://onlyforyachts.com to get information on yacht charters, yachts for sale and also sign up for the free yachting newsletter.

Do you remember when that TV show came on a few years back that showed you step by step how all great magic tricks are done? It was called Magicians Secrets Revealed or something like that. I can’t remember the exact name, but the point is this: That show stirred up a hornets nest! The day after that show aired, four of the most famous magicians were shown voicing their outrage during interviews on the national evening news. These poor guys were extremely upset and angry because they witnessed first-hand while all their greatest magic tricks were being explained in full detail. They knew the “Cat was out of the bag” that “The genie was out of the bottle.” They knew their magic would no longer have the amazing impact it once did. I’m about to make a point, so please bare with me here and keep reading…

Everyone knows this famous American line: “A magician never reveals the secret”.

Well, I guess everyone knows this except for the magician standing there revealing every great magic trick there ever was. Right there on Fox TV, for the first time in U.S. history, everyone was shocked to see this magician revealing every classic magic trick that most famous magicians perform on a regular basis. Step-by-step, and in great detail, right on the big TV screen, a magician in full black disguise answered the age old question: “How did you do that?”

He broke all the rules of magic. Most important, he broke the code that all magicians said they’d never break.

Ok, I know by now you’re wondering why I keep talking about magic and magicians secrets so I’ll just go ahead and get to the point right now.

You may already know this, but sales, marketing, and advertising are very similar to magic. For instance, only a small percentage of the people in the world fully know and understand how to perform a magic show. Likewise, only a very small percentage of the people in the world know the true secrets of sales, marketing, and advertising. Even less people know how to generate anything more than 10,000 visitors a day to their website. And trying to get these people to reveal their secrets is next to impossible. Until now…

Sales, marketing, and advertising are a true art and science. And the people who have mastered this art and science are not usually willing to tell others the secrets that keep their bank accounts full of cash. They are afraid that if others find out their tips, tricks, and secrets, they will become far less effective. So they keep their mouth shut!

Until now…

One of these masters of marketing has just come forward and decided to break the secret code among internet marketers. It’s been called “The most revealing book on the internet!” off by over 175 companies. It’s sad to say but the truth is most business opportunities on the net are one big lie designed to do one thing and one thing alone, and that is… TAKE YOUR MONEY and run! The result is that 98.5% of all people starting a new business opportunity will never see an income from it.

But during my travels I figured out why the average person starting up an internet business will never make a nickel…You wanna know why?

The reason why is actually quite simple. It all goes back to that “Magician never tells” principle we talked about above. You see, there are a few “True Professional Internet Marketers” that actually do know the big secrets that really do generate enormous money on the internet. You may have seen a few of them giving their pitch on TV infomercials. But even though these big-shots are truly making enormous cash, they will never tell you the big secret of how you can do it yourself. They will only tell you just enough to keep you excited and optimistic.

But now there’s shocking news! A time has come just like when that masked magician broke the code among magicians and revealed how all magic is done. This time it’s a “Real Professional Internet Marketer” who is breaking the code among the “Big Players” involved in marketing on the net. Finally one of the true hot-shots who has already made his internet fortune has revealed all the secrets that until now, have never been released.

Yes, it’s true! Every secret tip, trick, technique, and tool has been clearly laid out for you in an easy to read book.

Ok, now I know what you are thinking… “Why are you going to tell me all the secrets? Wouldn’t you make even more money if nobody else knew the secrets”

I believe there’s a time and a place for everything in life. I have used my time wisely to accumulate enough money to easily retire 7 times over. It’s like this: Does Bill Gates really need to make any more money? Of course not, and that’s why he now gives away a lot of his time, knowledge, and money. I truly believe that once you make your fortune in life, it’s time to give something back to the people of the world that helped you get it in the first place.

That brings us to your next question: “If you have so much money to retire on, then why don’t you just give out this book and all the secrets for free?” Well… there are 2 important reasons.

1. I don’t want thousands of people doing this. If everyone knew the secrets contained in this book, it might not be as effective for the people who are currently using this system to provide for their families. So charging a fee helps limit the amount of people that know how to do this which will protect your income too!

2. The second reason I don’t give this book out free is because I’m an old fashioned kind of guy and I believe that if you have a high quality product that you worked hard for, you should protect its value. I know for fact that once you give something away free, it no longer has any value. I’ve worked for years to perfect the techniques outlined in this book, and never in my wildest dreams did I believe I would ever share these secret techniques with anyone.

…I did all the work and made all the discoveries over the past few years and now it’s your turn to make some money!

Below are just a few samples of what you’re about to learn:

üHow to put an end to the insanity of staring at your computer screen for hours on end with nothing to show for it! This exciting book shows you step-by-step how to bring in a rock solid income by spending no more than 1 hour a day in front of your computer.

üHave you heard about all these people that have fancy looking websites with spectacular products and services on them but no orders coming in? Here’s a shocking fact so hold on to your chair for what I’m about to tell you: There are thousands of ugly websites with boring products out there pulling in more orders than they can handle at this very moment! How? Because they know it’s not about a pretty website with pretty products…The “Real Internet Experts” know it’s all about traffic, traffic, and more traffic. These guys know the secrets to getting over 10,000 new visitors a day to their website automatically and without lifting a finger! The same closely guarded techniques they are using to do this are all revealed in the book. It doesn’t have to be a secret anymore!

üAre you spinning your wheels with “the search engines” and getting nowhere? Here’s a fact: You will go hungry and broke if you continue to invest your time and energy into getting that 1st page, # 1 ranking that everyone is struggling to achieve. There’s a much better way folks that you are just minutes away from discovering! You’re about to be the master of your domain!

üBy now you must have seen hundreds of different ads promising to get your website listed on thousands of different search engine directories for FREE. You probably already know that it’s just another lie. But this online book will show you how to turn their own lie against them and get all the “Real Traffic” they don’t want you to know about for yourself. I am going to show you a single internet marketing tactic that beats these guys at their own game and takes their own traffic!

So exactly how much does it cost to find out all these techniques, tips, tricks and secrets?

Only $19.95!

That’s all! Just $19.95 to have the code of “Internet Marketing Professionals” broken in front of your very own eyes! A one time fee of only $19.95 to have all of their secrets revealed for the first time! It’s these Internet Marketing Professionals that have been keeping you down all this time by telling you their outrageous lies over and over again. Don’t let them do it to you anymore! They’re in control right now but you can easily take it away from them. Take control of your own internet destiny starting right now!

Can this book really bring thousands of new visitors to your website starting today? Absolutely! I’m so confident about this online book that I’m going to reveal all the secrets to you for 60 days to try them out for yourself…If you aren’t completely satisfied with your new income and the thousands of new visitors to your website, I’ll give you 100% of your money back. No Questions Asked!

Let’s wrap this up… I’ve perfected a very unusual internet money-making system. This ideal internet business gives me up to $2,778.50 in a single day! I really believe you can learn and use this system to give you the same income I’m currently bringing home. Everything you need to get started with this system is provided to you for less than the price of dinner for two!

Consider this: If your life continues in the same way it’s been going…

· · Will you actually be where you honestly want to be in life this same time next year?

· · How can you be certain you’ll be any closer to the financial freedom you want?

· · Will you’re dreams, plans, and desires actually come to be your reality?

If you don’t like your own answers to the above questions… I will help you take the steps to get you on the right path toward changing your financial situation forever.

If you plan on getting different results in your life, you obviously need to do something different than you’ve been doing.

Yes, you can keep dragging yourself out of bed to that meaningless, never ending day job, putting in those miserable, long days at your job. Yes, you can keep hoping and praying that one day you’ll some how get ahead and make something substantial for yourself.

But why on Earth would you bother putting yourself through all that?

Why not put a stop to all that misery right here and now. It’s a matter of simply investing in yourself and finding out how easy it is to create more than one income stream. With this time-tested, proven program in your hands you’ll begin to discover the real, genuine secrets to bringing in absolute wealth and freedom. Take a moment to think about this:

$19.95 is a painless drop in the bucket compared to the money you’d be missing-out on if you choose not to get this course. Looking at it that way…

If you don’t take action now while it is fresh in your mind, then -
when will you?

Get your copy of this money making, traffic pulling online book right now!

Don’t put this off – you’re worth it.

Soon you can live life on your terms – and this book will help you every step of the way.

http://www.averagejoeswealth.com

About the Author

None

One of the best parts of a vacation is the positive outlook you derive from pleasant anticipation. Another benefit is the afterglow, allowing you to feel right with the world. A general guideline I have is to live in the present and not yearn too heavily for the past or future; but making brief exceptions for things like vacations can bring some of the benefits of the vacation itself to your daily life. Thinking briefly “Yeah that was great!” or “I am really going to enjoy this trip!” Can add to the lightness of your day, assuming you don’t lean on that as a requirement for your happiness. Going around stressed out and telling yourself “I’ll be happy in 6 weeks when I’m on a beach” really doesn’t help you live lightly in the moment, and may even create pressure for performance on your vacation and disappointment afterward. Instead don’t pack or return with emotional baggage; but view your vacations as an addition to the wonderful existence you are building. Here are some memories from my last trip.

I flew from Dayton to Baltimore with a newer airline. Nice all new jets. Their large overheads made it easy to stow my one big carryon I’m still mystified why it was so heavy. Probably my big socks… Reading Popular Science in-flight I re-visited my teenage fondness for that magazine. Oh how I now yearn for the garage of the future.

In Baltimore I rented a sharp new sedan with a Wall Street Journal on the dash. Nice touch guys but no more reading for me that day! I was on the beach at Ocean City by noon seeing the storks flop dive; watching the children advance toward the water and retreat shrieking with the waves.

I hadn’t been to the beach for a couple years and I noticed one thing was different. Used to be when walking the waterline you would be careful to walk in front of a bent over little boy digging in the beach because odds were sand would be flying out backwards between his legs when you least expected it. Now everybody has their own shovel; and not the little plastic handled ones that come with your beach pail. we’re talking wooden shafts and D grip handles. It’s very important to dig a hole when you arrive at the beach.

One of the arcade places on the boardwalk at Rehoboth beach was called Funland. A sign said “There is no smoking in Funland”. I kept imagining a parallel universe sign…”There is no fun in Smokingland”

The motel in Salisbury was an old 50’s type place. It was actually its last week of operation. The owner was friendly, happy to be retiring, and shared a few stories now and then. Next year a shopping center will be there. The wide-open spaces and driveway lamps in front provided the type stage a mockingbird prefers. One seems to be following me. I would be checking the accuracy of his repeated calls every morning as I packed the car for my day trips.

Saturday I made a big rookie mistake. I had slapped on some sunscreen leaving the car and then wandered around in search of a decent cup of coffee. Looking at the menu board of basic Italian fare I asked the Russian girl behind the counter which item she thought had the best sounding name. I was delighted when she brightened up and without hesitation pronounced slowly and dramatically lengthening the oh sounds of “calzone pepperoni” A little thing like that can put a bounce in my step and make me feel pretty carefree, which is the whole point of the trip. So kicking off my shoes I headed down the beach thinking lunch at the Ocean Club a few miles away would be nice. Later I realized I hadn’t put any sunscreen on my feet.

My feet were fried of course. Out in the sun for most the day, I may as well have put them in a microwave oven for 20 minutes. The slightest brush against them the next day brought searing pain. I picked up a big bottle of Aloe Vera gel and kept slopping it on. They were so swollen if I loosened the laces and left my shoes open they were still tight. Now here is the interesting part…and really let me assure you this didn’t ruin a single day of my vacation…when I stood up there was this explosion of deep pain more severe than anything I’ve ever felt; The kind of thing that tells you to black out, fall to your knees, scream, panic, anything to make it stop. I’m thinking “I know if I sit back down it will feel better but this is the second day of my vacation and I am not going to sit in the motel all day!” Taking a step it felt better in the lifted foot. Putting weight back on it was like I’d just placed the foot under a wheel of a moving truck, so half buckling at the knees with each step I kept moving and the most incredible thing…all pain was gone after 3 or 4 steps! I guess the walking helped pump the blood back out of my already nearly exploding swollen feet.

My choice for the next few days was clear; Keep moving or stay off my feet. I kept moving, walking miles every day. If I stopped walking for even a second the pain bombs would detonate in my feet. So if I was standing in line for food or at a theme park I would appear to be really enjoying the music, bouncing around from foot to foot. At a urinal I probably looked like I really had to go, settling for the medium pain associated with shifting my weight from foot to foot standing there. The right foot was a little worse than the left and by the 3rd day I found I could stand for a half-minute on my left foot if I raised my right leg behind me. The highest absurdity occurred when I found myself balancing on my left foot right leg arched up behind me as I stood over the toilet. I imagined I must look like a clownish roman fountain. I was so focused on pushing the foot pain envelope it didn’t occur to me till then I could sit down. What can I say? We guys are weird.

I took the Lewes / Cape May Ferry north and checked out Wildwood. There was a shooting range amongst the midway type games. The sign said “Wack the Iraq”. Paint ball guns were fired on live targets wearing Saddam and Osama masks. I was so amazed at its existence I had to turn around and look again, stopping later to take a couple pictures. I’m in favor of the war on terror, but that blatant racist targeting was pretty surprising. Just a few steps down the boardwalk and the normalcy of hermit crabs and frozen custard would return. I was walking so much I didn’t worry too much about diet. Ice cream, boardwalk fries, chocolate covered strawberries, and calzOHnee pepperOHnee.

I enjoyed the landscaping at Busch Gardens on a semi rainy day, cooled my jets at the water park of Kings Dominion, and walked around Virginia Beach one evening. The main street there is populated with paid entertainers and a few were pretty good. Still unable to stand still without the kind of pain that would send me to the pavement I circled around the area where a decent jazz trio was playing, enjoying all the sights and sounds.

The 4th of July I spent at Ocean City. “The Navy Cruisers” A group of Navy musicians was performing on the beach and they were sounding pretty good. I walked through the crowd and sat down in the sand right in front of the stage. The Navy concert band followed; real music by real musicians. Anthems can really get to me; make the tears well up. They did some “Guys and Dolls” stuff and “Grease”…but when the lady singer from the Cruisers came out and sang God Bless America it was awesome. Such a strong voice…a crowd behind me on their beach blankets at twilight waiting for the fireworks. A couple kids to my right were lying in their freshly dug holes facing the band in open-mouthed amazement. To my left a Coast guard boat was rocking in the waves just offshore, keeping the pleasure boats safe from the fireworks and protecting the thousands on the beach from who knows what. She hits the peak at the end of the song high and strong with this amazing orchestration being conducted behind her, shouts whistles and applause rising up at the songs apparent end and then the phrase is repeated singing higher clearer and stronger “God Bless America” with the band rising up to the new tonality with the full range of tingling bells, strings, cymbals crashing, all trumpeting, soaring and filling thousands of souls on that beach with the depth of sound. It was beautiful.

The fireworks paled in comparison. Walking away during the beginning I found myself enjoying the way the bombs echoed in a side street. Leaning against a signpost during the finale I still had a pretty good view. A homeless looking gentleman was sitting motionless on the ground nearby. Next to me a teenage boy relaxed on his bicycle. The fireworks finale was a satisfying 5 minutes of constant multiple explosions. After a few seconds of silence following the last barrage the homeless man looked up at me and the kid on the bike, laughing maniacally. The distant cheers rising from the beach mixed with the chorus of car alarms triggered by the bombs. Everyone loves a spectacle. I smiled and walked a couple miles back to my car enjoying such spectacles as the too drunk to walk man and the amazing lady who walked almost as fast as I did…I complimented on her on her speediness.

Now if I had oversold the vacation in my anticipation the sunburn might have made me miserable. And I’d still be whining instead of looking back with amusement. But I was able to roll with it and have one of my better vacations ever. Mainly it was sand sun and waves leaving me fully recharged. I don’t have to do it again to be happy…but I probably will.

A garden center manager, writer, musician and webmaster; Lee Goins is often called on as an expert in landscaping and gardening. Residents of Shelby County Ohio have been bringing him pieces of trees, moldy leaves, and jars of bugs for 8 years in spite of the well publicized knowledge he prefers chocolate. His gardening help has been featured on TV, Radio, Newspapers and websites like http://www.shelbylandscaping.com

“How can you have a great workout without having to feel so tired the rest of the day.” The answer might surprise you.

You probably know women and men that are so busy, that the only time they can workout is at 5:00 in the morning. Maybe you have to do that too. I worked out with several of these people and found out what they do for a living and why they’re working out so early.

Turns out that they are doctors, lawyers, sports therapists, construction workers, security guards, parents, one was even a US Congressman. They all enjoy working out, but several mentioned about feeling fatigued the entire day (after having a good workout).

So I set out to find an answer to this problem.

Many of these people were taking protein supplementation. It’s great for helping you to be relaxed, but can contribute to the feeling of being tired. Kind of like the “sleepy” feeling after having a large meal. But with a good workout, you really have to be taking protein to fully realize the benefits of these “intense” workouts.

I also found that many of these people weren’t getting enough sleep. They were lucky to get 7-8 hours of sleep, although some claimed only 5-6 hours at most, as the rest of their lives were very busy (hence the reason for early morning workouts). So even just adding an hour of sleep each night, if possible, can really help.

Some of these people were drinking workout drinks with caffeine. While this is great to get “going” in the morning, the residual effect can be a “tired” feeling the rest of the day, unless they drink some more caffeine (which can then keep one from being able to go to bed that night to get enough sleep).

But… the most surprising answer came from someone that had been working out for 25 years. He told me he found a new supplement that was college documented to improve strength in the gym, and yet prevents fatigue while working out. He said he did not get nearly as much fatigue during his workouts anymore, and he did not feel fatigue during the day either.

The supplement he was referring to is called GAKIC from Muscletech (GAKIC is their trademark). I’m not putting any type of self-serving affiliate link in this article, as you’ll have to find this supplement on your own. I got some at GNC. This guy said he’d just started taking it and has felt great during the day, after an intense workout.

GAKIC stands for Glycine-l-Arginine-alpha-Ketoisocaproic Acid Calcium. It doesn’t have creatine or any stimulants (as far as I can tell). You may recognize that it has l-arginine which is the main ingredient in many of the nitrous oxide type of supplements… but I can’t tell if this product enhances the NO pathways or if it’s the calcium that seems to delay fatigue. Either way, I heard it’s good stuff. The manufacturer claims that it works the first time you take it and that it’s powerful enough that you are supposed to only take GAKIC on workout days, so one container lasts about a month.

I tried it and did not get a tired feeling when working out, and did indeed feel good all day long. If you find yourself just getting exhausted during or after a workout, GAKIC could be worth checking out.

Jessica Deets has been researching the internet for over 4 years and finds valuable information to help people. The website at http://www.legalsteroidalternative.com has information, news and a current blog regarding steroid alternatives.

Herbal MEdicines
online

Everyday we hear about it. The GREAT Avian Flu PANDEMIC is upon
us. But remember the 1918 Spanish Flu or the Influenza Pandemic
of 1918 [which came from chickens] only killed 40 million
people. So we don’t need to worry.

Wait a minute! ONLY 40 million people died. That’s terrible.
Especially if we were among the 40 million.

But they didn’t have a vaccine like we have. What? We don’t have
a vaccine either?

Well the experts say we WILL have one. About a year AFTER the
Avian Flu hits.

Will the Bird Flu hit us? Chances are moderate to high.

Well what can we do to prevent getting it?

1. If the flu travels from people to people, stay away from
people. Avoid subways, buses, theaters, and other places where
people gather in large numbers.

2. Don’t shake hands. This is where most people catch viruses.
They shake the hand of someone who is infected and then pick
their own nose and voila, they have the flu. Use the old “Peace
Sign” instead of shaking hands.

3. Wash your hands a lot with a sanitizing soap. I like the soap
put out by the Melaleuca company.

4. Don’t pick your nose. That is the main entrance into your
body. Your Momma told you this when you were a kid. Smart lady.

5. If the Pandemic gets going, wear a surgical mask when around
people. Don’t use anything you get off the grocery shelf. Most
are so full of dangerous chemicals and may be worse than the
Bird Flu.

6. Take a Grapefruit Seed Extract each day. We use a mixture of
GSE and several other citrus extracts. These have been known for
decades to stop viruses inside the body. And unlike
pharmaceuticals they have a low cost which keeps drug companies
from messing it up.

7. Use a botanical spray to kill any viruses on the surfaces you
touch. I like sprays with Tea Tree Oil or Grapefruit Seed
Extract.

http://www.tennesseemold.com

Think this sounds like too much trouble or is too sissified?
Then don’t do it. After the Plaque of 1666 the people who
survived inherited the wealth of those who died. If you live you
might become very wealthy. If you don’t, your relatives might
get really wealthy.

How much is the pain and discomfort of your whiplash injury worth? A fair question, after all a whiplash injury is painful – so you should be compensated accordingly. Unfortunately, however, the level of compensation you get for your injury following an accident will depend on a number of variable factors.

The Whiplash Compensation Claim

The first of the variable factors will depend on how you make your whiplash injury claim. If you make a compensation claim directly against the insurance company, then you will likely be compensated in accordance with the settlement agreement you make with the insurance company.

However, if you decide to seek the advice of a compensation solicitor to handle your whiplash compensation, then you could be entitled to compensation categorised as

(i) General Damages and

(2) Special Damages.

General Damages For Whiplash

The overall amount that you may be entitled to under General Damages is difficult to determine as it is paid for the physical pain and suffering (i.e. the actual damage – such as a whiplash neck injury or something more serious) that you encounter as a direct result of the accident you had.

You may also be allowed to claim for emotional pain and loss of enjoyment of life as part of General Damages. Finally, if the pain and suffering you encounter as a result of your injury causes you to suffer psychological disorders, such as depression, then this may also be included in your compensation claim.

Although General Damage sums awarded by a court will be dependant on their set guidlelines, the details of your medical report detailing the extent of the whiplash, the actual injuries caused, and the possible harm it has had on your emotional state will, all play a pivotal part in the whiplash injury claim.

Special Damages For Whiplash

Unlike General Damages, Special Damages can be fixed to some degree and are payable to you as a result of you having encountered certain special losses because of the accident.

In particular, Special Damages are payable on any loss of earnings (including any potential loss of future earnings as a result of the accident) you may have to endure while you recover from the accident; car hire expenses you have to pay as a result of your car being in the repair shop; if you have to pay someone to look after you while you recover from your whiplash, these can be recovered; and if you have paid for medical attention to treat the injury, you can also include these in your claim.

If you want to claim for Special Damages you need to keep a careful track of all the payments you have made and where possible you’ll need to have receipts.

Insurance Settlement

If you decide that you do not want to make a whiplash injury compensation claim through the courts, then you need to agree to enter into a settlement agreement with the insurance company. In this case you need to make sure you read the terms of the settlement agreement very carefully as insurance settlement claims usually contain provisions

(1) that the insurance company can pay you in instalments, rather than a one-off lump-sum payment;

(2) that once you have been paid the whiplash compensation by the insurance company you cannot reopen the claim in the future to try and get some more money and agree to no longer hold the insurance company liable for any future cost or loss.

Limitation Period To Bring A Claim

If you have recently suffered a whiplash injury, then you have a period of 3 years from the date of the injury in which to bring proceedings to court. If you fail to bring your whiplash claim to the courts within this time you will have forfeited your right to make a claim.

Whiplash Injury Solicitor

Whether you have suffered a neck injury, back injury, or bruising, in order to know exactly what your rights are you should seek a consultation with a personal injury solicitor or lawyer as soon as you can following the accident and in any case before you agree to sign any settlement agreement with any insurance company as they are not obligated to tell you what your legal rights are but also what compensation you should be entitled to.

It’s easy to proceed with a whiplash compensation and gain maximum results without the hassle, costs and confusion. Discover the 12 revolutions of injury claims at http://www.100percent-compensation.co.uk/articles/whiplash-claim.html