Archive for June, 2009

Avoiding Credit Card Debt

June 27th, 2009

Credit card debt is very common, and seen as acceptable by most people. It is, however, an expensive form of debt and there could be better ways to spend your money than giving it to credit card companies.

If you are thinking of using your card for a large purchase, with a little effort and shopping around, you could find that you save money by getting a loan at a lower interest rate than your card’s rate.

The monthly minimum payments on your card may look attractively low, but you will pay a lot of money to the card company in interest. Some minimum payments only cover the interest on the card balance, so if you only make the minimum payments you will never clear the debt.

Alternatively, budgeting ahead for large purchases and putting money aside to buy them instead of going into debt could help to make big savings on the purchase.

You could also use any savings or investments you might have, as their interest rates earned will usually be lower than what you pay in card interest rates.

For more information about credit card debts, see the following site: Consolidate Credit Card Debts Guide

How To Find Cheap Refurbished GPS

June 27th, 2009

Finding cheap refurbished GPS is not really that difficult. There are several online retailers that offer these devices from which to choose from. Probably the most well know in Amazon. They have all the big brands (Garmin, Magellan, and TomTom) there for you to browse and peruse. When using Amazon, I recommend that you also take a look at the price for a new item as well. This will give you some sort of indication as to how much of a discount you are getting by going refurbished.

Another place to go is TigerDirect. This online retailer offers a wide selection of refurbished GPS and is rated among the top 10 in places to go out and buy GPS devices. Their store is pretty well laid out and it is generally much easier to find their models than it is on Amazon. Their prices are generally not as cheap as Amazon, but you can use this store to find potential models to search for on Amazon.

Is the Russian Media really free?

June 27th, 2009
Bush, Putin & Jacques CHIRAC
Creative Commons License photo credit: Chevall

Many people will tell you that Russia today is a functioning democracy, but just not necessarily one following the Western model.  But at the same time, many others (usually people outside Russia) will tell you that under it’s Prime Minister (previously President) Vladimir Putin, Russia is sliding into authoritarianism, and has gradually been taking control of the more or less independent news media that we are told flourished under Yeltsin.

They will tell you that, in Russia news is hardly free anymore, but is becoming an instrument of the state.  Newspapers are usually owned by powerful oligarchs with business interests to protect, and they have been increasingly silent and uncritical when it comes to discussing the Russian government.  One newspaper that recently revealed the ‘news’ of Putin’s recent secret wedding to a prominent (and very attractive) young gymnast was rapidly closed down by its owner.   Murders of investigative journalists – not just Anna Politkovskaya whose Chechnya exposes are well known, but intrepid local journalists determined to expose corruption at the regional level – have been increasing.

There is still a small, determined cohort of Russian investigative journalists, but they are finding their task ever more difficult.

Homemade Chalkboard Paint for Your Baby Nursery Décor

June 27th, 2009
Chalkboard Detail East
Creative Commons License photo credit: timsamoff

I’ve always been a big supporter in encouraging children to embrace their inner creative side. If you talked to my sister and close friends they would tell you that I wouldn’t mind too much if their kids drew all over my walls. Drawing is a wonderful way for children to learn all kinds of important skills and its fun! If drawing on the walls at your house is a no-no, then this baby nursery decorating tip is right for you. Keep reading to learn how to make your very own homemade chalkboard paint.

Before you get started you’ll need a few simple ingredients:

1 cup of acrylic paint in the color of your choice
2 tbsp of un-sanded tile grout
200-grit sandpaper

Now let’s get down to the nitty-gritty, shall we?

The first thing you want to do is mix the paint and the grout together in a container making sure to break up any pesky clumps that maybe trying to hide out. After ensuring that the materials are mixed properly apply the paint to a primed or painted surface. Work slowly and make sure that the paint is applied evenly or it will look blotchy and uneven in places. This concoction generally dries fast, so allow it the proper time to dry. After your chalkboard dries, use the sandpaper to make the area smooth enough for writing.

There you have it a custom made canvas for your kiddos first masterpiece.

Hawkeye VFT A Great Driver

June 27th, 2009

I was looking for a single golf clubs so I bought this club 6 months ago. I love the look & feel of the club, I have a UST Proforce 65 shaft and an 11* loft. I still have my TM 320 and an old Titleist Howitzer, but I keep trying to hit the VFT! I never hooked the ball until now and I must say that when I do, it’s very bad! If anyone has any suggestions I would appreciate hearing from you. I don’t really hit the ball any further, but it sure cured my slice! I’m 48 and have played for 2 years, I realize that the problem is the operator not the club. A great driver is the Steelhead Plus, or the TaylorMade 320. They are, believe me, tons more consistent than the VFT.

Why Should You Own A 50cc Scooter?

June 27th, 2009
Kawasaki Ninja and something a little smaller 5.18.09
Creative Commons License photo credit: SoulRider.222

There are many reasons why people pick scooters over any other forms of transportation.  For one scooters are inexpensive to buy. The most you could expect to pay for a brand new scooter is $5000 and the least is about $1000. Which is many times less than a brand new car or truck. Also scooters get up to 120 mpg which is more than double that of the best hybrid cars. So if you’re looking to reduce your carbon footprint, riding a motor scooter could be a great way to do just that.

Out of all the scooters on the market there is one that is bought more often than the the others and that is the 50cc motor scooter. This is due to many reasons but the main one is that they are one of the only scooters that you can ride without a special license is most areas. They are also the perfect size to get around town with.

Ever Heard of YNAB?

June 26th, 2009

I’m trying to find a good software package to help me and my wife manage our finance better.  I’ve done quite a bit of research and have narrowed it down to a couple of different options.  One of those option is a budgeting application called YNAB.  The software looks pretty good and there seems to be quite a following.  The forums are full of people who are quire passionate about the software and budgeting in general.  It looks like it’s based off the envelope method of budgeting which I looks to be a pretty logical way to budget.

So I was wondering if anyone has used YNAB before and if so, what are your thoughts on it?  If you haven’t used it, but have another favorite personal finance software, please let me know what you recommend and why.

Selling your kitchen

June 26th, 2009

If you want to sell your home quickly you need to take into consideration what your home has to offer versus what you are emotionally attached to. Homeowners become emotionally attached to their home because of the work and pride they have usually put into the home. If you are considering selling your home updating a kitchen can be a great place to start. However, you have to take into consideration the amount of time and money needed to update the kitchen.

Lighthouse Kitchen
Creative Commons License photo credit: OooTooO

Some home owners want to gut the kitchen and spend several thousand dollars on redoing the kitchen. Some kitchen remodels can cost upwards to 20 thousand dollars by putting granite counter tops and a new kitchen island with a sink. This is nice but you may be better off just spending $3,000 and buying brand new appliances to sell with the home. New appliances can add appeal to a kitchen.

A Healthy Diet Will Help You Lose Weight

June 26th, 2009

In order to effectively lose weight you need to eliminate the factors that are causing you to gain weight in the first place. This means that if you currently eat a diet that consists of many fatty foods and junk foods, then you are right away causing yourself to gain weight instead of losing it. Many people try to lose weight but they fail to see that a lot of their actions is what causes them to gain a lot of weight in the first place.

In order to create a healthy diet you need to think of the food groups. You should try to get an equal amount of servings that is required for each food group. This means that if you happen to eat meat all the time, try eating some vegeables or fruits next time instead.

This way you are giving your body all the nutrients it needs to keep going. If you keep giving it fat all the time your body will just take that fat and store it away.

Drinking lots of water daily and keeping your body hydrated is also very important. Try to drink somewhere between 1-2 litres of water per day. Once you start doing so you will feel a world of a difference with your enegry levels and how actice you feel.

A healthy diet is very important if you want to know how to lose weight fast naturally.

Sea Vegetables in SeaAloe

June 25th, 2009

Japanese cooking often uses sea vegetables like kelp and nori. Kelp and nori, also known as seaweed are found living in the seas and are harvested by Japan for their rich nutrients.

Because they grow in waters that are untouched by man, these seaweed plants have an extremely high source of nutrients that are already found in the water, unlike land plants.

Seaweed plants like kelp and nori are a good source of vitamins, a, B, C, D, E and K, as well as calcium, iron, zinc, potassium and magnesium. And believe it or not, they’re also great source of protein, which makes them an excellent food choice for vegetarians.

Yet the best part about these nutrient rich sea vegetables is that they’re also available in whole food liquid vitamins like Sea Aloe. So really there’s no reason why you can’t enjoy their benefits no matter how you decide to consume them. So what are you waiting for?

Gardening Tools

June 25th, 2009

Most newbies to gardening know they need a proper assortment of tools. The problem is they don’t know what tools they need exactly. If you are going to begin gardening, then it is essential that you obtain a few of the most vital tools.

A good pair of secateurs is vital if you want to maintain shrubbery. They’ll typically run you around fifty to hundred and fifty dollars.

Hedge trimmers are also a good idea if you are going to be trimming a lot of mid, to upper-size bushes. Models that allow for their blades to be sharpened or replaced are the best, while a tension control option can add more flexibility to your level of usage.

A pruning saw will help with the larger trees and shrubs. They consist of a narrow, curved blade that can cut branches and other stems as you pull backwards on the saw—very useful.

A general rake can also be of help as long as you get the kind you feel comfortable with the most. If you get a plastic rake, just be aware that it may not last as long as the heavy-duty metal ones.

There are many kinds of shovels on the market, and the type you go with really depends on the kind of jobs you are going to go for. Consult the salesperson when you are making your purchase as they should know the exact model you’ll need for the jobs you are going to do.

A Fork can also do you good if your breaking up jumbles of soil and working with compost. Pick the one that you feel the most comfortable with, as depending on your size, they all pretty much do the same thing.

Can Your Cat Be Allergic To You?

June 25th, 2009

Allergic reactions to pets are pretty common. I bet you know at least one person who is allergic to cats, but did you know that cats can have allergies too?

It’s unlikely your cats would be allergic to you, but they could have a reaction to a detergent you use or something in the house, maybe even the material in their pet bed. Although this type isn’t as common. One of the more common feline allergies is to flea bites, but cats can also be allergic to pollens (inhalants) or food, just like us humans.

Fleas make cats itch anyway, but if they are allergic it can make the poor kitty pretty miserable. Food allergies usually develop over time and can be caused by something they have eaten regularly. Just because they have always eaten a certain food doesn’t mean it is still working well for them. Inhalant allergies to things like pollen, mold, dust mites etc are also pretty common in cats. Some of these allergens are seasonal, but some last year round.

If you suspect allergies it’s important to take your cat to the vet so she can be properly diagnosed and treated.

Lower Expenses By Finding A Cheaper Cell Phone Plan

June 25th, 2009

These days a lot of people are trying to cut costs to figure out what they can do without or what they can minimize. For many this means taking a look at their current monthly cell phone expense and seeing if they can lower it a bit.

Some are very tied to their plan and their phone, but others may be willing to make some changes. It’s a good idea to look at your plan every so often and compare it to other ones that are currently available. In a market like this it seems like new options are almost always available.

On your quest to find the cheapest cell phone plan that will still provide you with what you need you may want to re-think how you use your cell phone. Maybe something completely different like a prepaid phone plan would work better for you. Make a lists of the things you need and the things you would like to have while shopping around for a new plan. A checklist can be very helpful when you start comparing plans.

Drink Up And Lose Weight

June 25th, 2009

I just read another article about how tea may be able to help with weight loss by burning fat. This time the study was based on white tea. The study indicated that white tea seemed to be able to stimulate the breakdown of fat from cells.

You typically hear more about green tea helping with weight loss, but more studies are being done on white tea as well. Part of the reason these two teas are more effective is because they are less processed than black tea so they have more ECGC — the powerful antioxidant thought to be behind many of the benefits of tea.

Other studies have shown that daily consumption of green tea along with a regular exercise routine may help burn belly fat better than the exercise alone. That along with the other benefits make a good argument for adding more tea to your regular diet.

Pamper your Feet with Coolmax Socks

June 24th, 2009

Dance, play, stand, walk and sway. You will never be too active with swollen and blistered feet. Take Coolmax walking socks and do your thing the most comfortable way possible. With these high-end socks, you definitely protect yourself from feet problems which are detrimental to your confidence and personality. How your feet feel is exactly projected on your face. Get into the rhythm of your life as these socks become a right choice for your daily battles. Pamper them with comfort and drive feet problems away from your heels, soles and toenails. With every pair of socks from Coolmax, you are ensured of safety and health. They are socks that relax, soothe and bring out the best in you. Right socks, great movement. You surely wouldn’t ask for more.

Eye Cream: Your Subtle Way to Beauty

June 24th, 2009

Beauty lies in the eye of the beholder but beauty escapes from dark eye circles. Indeed, dark circles along the periorbital area or the skin surrounding the eyes are not just alarming but hideous as well. You may have the world’s perfect smile or the finest skin but these surely will vanish as dark eye circles dominate your face. Dark circle eye creams enter the battle as your shield against dark circles. These skin care products replenish the lost nutrients of your skin. They contain Vitamin K and retinol that rejuvenates your skin back to its normal natural glow. Eye cream tightens the skin and speeds up collagen production while containing powerful moisturizers like Vitamin E and natural skin lightening substances like licorice extracts. Every eye cream is your ally in your battle against dark eye circles.

Property Pitfalls To Avoid Before Building A Log Cabin

June 24th, 2009

When building a log cabin on a budget, you must consider on what land to build it. It is best to get the services of a professional realtor or broker to prevent possible land or tax problems that may not be apparent on the onset. Once you have already chosen the land, you should make sure that it is buildable. By buildable, it means that the land should have the amenities for a septic tank with the soil allowing the possibility for one. Permits for it need to be secured. There are also the matter on ingress and egress as well as on the easements and encroachments. The plans and proposals for the construction to be made around the property as well as the contracts or restrictions on the building materials, sizes, style, design, etc. All these things should be cleared with the local government agencies concerned before the constructions start to prevent major problems that could cost you wasted money.

Are Solar Shades Different Than Roller Shades?

June 23rd, 2009

To be clear, solar shades are really a more broad description of any type of shade that may be used to block the sun from entering your home’s living spaces.  You can even get a solar shade for an outdoor patio space, though they would typically be called something different.  Roller shades would describe more the way the shade functioned than anything specific about its look or purpose.

From the name, you can assume that solar shades are meant to block the sun out.  There are blackout shades that are meant to completely – or as best as possible – block all light from entering.  These are the most capable of keeping your space cooler from lack of sun heating your space but may be less of the look you would prefer.  Solar shades also come in lighter colors and materials that allow light but also block some degree of the sun’s intensity from entering your living space.

Outdoor Shades For Your Home Or Patio

June 23rd, 2009
backyard chillin
Creative Commons License photo credit: mccun934

Getting the perfect shades for your home or outdoor patio space can be a very simple process.  Start by getting your facts straight and the rest will fall into line.  What this means is find out exactly what you are dealing with when it comes to outdoor shades.  This is a fairly broad category, so get the specifics of what you are searching for so you can spend less time looking and more time ordering and ultimately enjoying.

Some shades for the outdoors go on the outside of your windows.  These types are meant to keep the sun’s rays and heat out of your home.  This leads to a more comfortable living space as well as reduced energy costs.  Another type of outdoor shade is the type that hang from a patio.  These will create an outdoor room effect that you can enjoy.  In this case, the outdoor room will be much more comfortable than when in the intense line of the sun and may also shade a portion of your home for reduced energy costs as well.

Low Carb Breads

June 23rd, 2009
walnut bread outside
Creative Commons License photo credit: willsfca

It has been proven time and time again that a diet low in carbohydrates can help people to lose weight.  There is also research that seems to indicate the massive amount of carbs we are loading into our bodies may be having an effect on the epidemic levels or type II diabetes we are experiencing in the US.  It seems that a diet lower in simple carbohydrates can have a positive effect on both the levels of obesity and the levels of diabetes in this country.

Cutting out processed grains like white wheat flour and simple sugars can have a dramatic impact on the number of carbs a person eats in a day’s time.  Finding a good low carb bread used to be a problem but some people are making great strides at developing low carb products like this.  These products are making it much easier to stay on a diet low in carbohydrates.

Creative Commons License photo credit: willsfca