Yes, it is true that you can drive 4,500 miles in North America, from Miami to Fairbanks, and English will be the official language all along the way. But you can drive 7,500 miles south from San Diego, California to Punta Arenas, Chile and Spanish will be the official language all along the way! (Actually it’s 6,537 miles as the crow flies, but I said ‘drive’! Incidentally it’s 3,963 miles from Miami to Fairbanks, as the crow flies.)

In fact, for the Americas, in terms of the numbers of native speakers, the principal languages are Spanish, English, Portuguese and French, in that order! So, unless you go to Brazil or Haiti or Quebec, if you speak both English and Spanish, you can get along quite nicely. For the entire world, Spanish is the fourth most-spoken language, after English, Chinese and Hindustani. It is widely spoken in Europe.

But there are other reasons to learn Spanish:

1. Talk with your neighbors. There are 30+ million or so people in the U.S. who speak Spanish. Once they were concentrated along the Mexican border, in Miami and New York. But now they are all over the U.S. It is useful to be able to communicate with your Spanish-speaking neighbors, many of whom don’t speak English.

2. Learning a new language is good for your brain! People who stay active mentally, taking on new challenges, in addition to getting more out of life, are less likely to become afflicted with Alzheimer’s Disease or other degenerative ailments. Brain cells are like muscle cells in that if you don’t use them, they get lazy, atrophy and become less healthy. Learning a new language forces your brain to grow new cells or find new neuron paths among existing cells. That is good, means you will live longer and enjoy life more.

3. Travel will be more fun! While you can visit Mexico, Panama and Argentina perfectly well without speaking Spanish, you won’t have nearly as much fun or get nearly as much out of it as you will if you do. Speaking Spanish will let you explore on your own, it will open doors for you that most tourists don’t even know about!

It lets you get out of the English-speaking enclave (The ‘Gringo Ghetto’!) and go where the real people are, where the culture, the shopping the dining, sports events and other activities are.

It will also save you a great deal of money. If you can shop in stores, stay in hotels and eat in restaurants where only Spanish is spoken, you will generally find that the prices are much lower.

4. It will help with your work. Being able to communicate in Spanish gives you a competitive edge over those who cannot. You can talk with the cleanup crew, with contractors, customers or clients that don’t speak English.

5. It’s a cultural experience. First off, it will help you understand your English better. Latin was the official language of England until the year 1250. Many English words have Latin origins. Learning the Spanish version of those words gives new understanding of your English.

You can get a different slant on the news by reading newspapers and hearing the news in Spanish. Seeing events through the eyes of the Spanish-speaking world will increase your cultural understanding and appreciation.

Being able to communicate with people who grew up in another culture gives you new insights into how they think and how the world looks to them.

6. It’s fun! Whether it is just from the pleasure of taking on a new challenge and making progress doing so or the fun of watching your ability and understanding increase, learning another language is a pleasurable experience.

7. It’s easy! Forget the drudgery of boring classrooms! This is the 21st century! Get a digital media learning course such as Rocket Spanish. It’s not expensive, is in mp3 format so you can download to your iPod or burn CD’s and listen to it any time and place you want. Repeat lessons at your leisure, go fast or slow. You are in control. You have complete charge of your learning process.

In Summary: You should consider learning Spanish because it can be useful, fun, is a culturally broadening experience, exercises and conditions your brain, equips you to better deal with the modern world and makes you a better citizen and person. With English and Spanish you will be very well equipped to deal with the rapidly shrinking world of the Americas. And a cost-benefit analysis will quickly show that you will get a great deal more out of it than what it will cost you!

For the best Spanish-learning course available at a great price, visit: Learn Spanish
To read reviews of Rocket Spanish visit: href="http://netincome123.com/go/to.pl?l=rsMa28Rev&u=RS2">Reviews

Jorge Chavez has been an internet entrepreneur and marketer since 2002. He began to learn Spanish after he was 30, now is bilingual English-Spanish. He has monolingual friends, relatives and clients who only speak Spanish and others who only speak English. Read his articles at http://rocket-spanish.ya23.com

Sex and sexuality change as we grow older.

It is no surprise to you that as we age things change with our bodies. These changes can affect our sense of our sexual self and impact sizzling senior sex.

“If a little knowledge is a dangerous thing then ignorance is a disaster”

The following are normal physical and emotional changes for men and women caused by aging. We must be knowledgeable and proactive to achieve SSS:

==> Menopause imposes major physiological changes in a woman’s body and psyche.

Physical changes may include hot flashes, vaginal dryness, decreased orgasmic ability, insomnia, and weight gain or loss. Emotional changes may include increased irritability, mood swings, and loss of libido.

Women who have defined themselves as a mother, in the sense of baby making, may find it very difficult to give up that belief about themselves. A terrible false belief in our culture is once a woman is past menopause she is old with all the accompanying stereotypes. Spouses who still believe this is all in her head are dumb as a post or refuse to become informed. When the female body stops making estrogen all these things can happen.

Be in the know.

==> Male menopause is debated among health professionals.

Abraham Kryger, M.D. describes it as andropause or hypogonadism resulting from lower production of testosterone as men age. Physical changes may include the absence of nocturnal and early morning erections, secondary impotence, delayed erectile response, partial or soft erections, reduced ejaculate and loss of libido.

Secondary impotence can occur as a result of depression, stress, surgery, or medication. Secondary impotence is often associated with aging and the issues above, and is usually transient. It is to be distinguished from primary impotence, which is usually an early onset condition requiring medication and psychotherapy.

Loss of libido and secondary impotence in men are often exacerbated by their choosing alcohol as the treatment of choice for these challenges of aging. It is more socially acceptable for men to drink too much than to admit depression and seek professional help.

Don’t suffer in silence. SSS may be a fact away.

Visit http://www.SizzlingSeniorSex.com to get the facts on how to have a great sex life at any age, from relationship expert Dr. Shuf Davis.

To speak of abandonment suggests a withdrawal or relinquishment of influence, the exposure of a physical or social structure to the dereliction of time or a cessation of protection. It can also describe a state in which one is given over to forces beyond oneself - the extreme highs and lows of the human condition. Above all, the act of abandonment implies transfer - something orphaned is passed to another controlling agent, something is gained.

Understanding abandonment not only as a binary, final state but also as part of a natural dialectic incorporating positive and negative elements has been critical in developing the fourth edition of Dispatx Art Collective. A positive reading is atypical - we asked collaborators to consider that if apathy and isolation are the more immediate connotations at a personal level, what happens when we translate this experience into space and time, or even into the act of perception? The moment of abandonment is central to this exploration in reviewing the possibilities: a personal letter, written but never finished or sent; land acquired from the recession of a water line; the evolution of buildings and groups. How is the collaboration between an agent and the external world punctuated by abandonment?

The fourteen works presented here provide a broad range of interpretations, from the wholly personal level of individual aloneness to the questions invoked by large-scale civil - and thus social - engineering. Each provides a variety of readings underlining the mix of good and bad in abandonment, and its central role in our understanding not only of the spaces around us but also of the internal states that are their constant bedfellow.

Four of the projects in this edition have been built around a personal experience of abandonment. In each case, we see how the artist uses space to reinforce the message. Isolation, by Karen Myers, embodies abandonment in the human form and its presentation. We look down on a figure seated in the corner of a room, the oblique perspective and the strong colours of the surrounding walls reinforcing the guarded pose and expression of the subject. Numerous stories are suggested not only by the formal elements of the work but also its content - the figure in underwear, neither nude nor fully clothed. Her expression speaks to us of abandonment as a concept, or as a physical state.

Similar themes run through ¿Por que, Por que? (Why, why?) by Rafael Andreu. In each of four photographs, a rope running from the subject and out of the frame eludes a direct significance. The subject appears either to be letting out the rope or to be restricted by it. In the proposal to this collaborative work, the artist alluded to assimilation of events by an individual, and ‘the negation that comes with being abandoned’ - instead, the open reading provided by the white cord running off-frame allows for its interpretation as a guide to or from events or places.

The third piece taking a more personal approach to abandonment is Maribel Oldig’s sculpture Inwendig (Within Oneself): a woven metal structure which swallows up the subject, or in which the subject is submerging itself. In whichever case, the work concerns that which is left behind - a movement from one place to another, either mental or physical. The title of the work, constructed around the German term Auswendig meaning to learn by heart, makes further reference to this movement as an act of introspection. What is more, the form of the work suggests armour, protection - or even the violation of some enclosed space.

However, of these four projects it is Erorr [sic] whose scope is perhaps the most wholly personal, the most uneasy. Aaron Anstett, whose poetry often combines a sharply observant inner voice with the all-too-physical facts of everyday life, here manages with four poems to convey the sickness of being without base, without home - thoughts that flit from one image to another, hidden things happening that we can never know or approach. A terrific combination of lost moments and placelessness combine banality and poignancy to impressive effect. In More, the strict form combines & repeats in order to build a sense of euphoric abandonment - “the maples look lovelier drunk” - the significance of each repetition pushing the reader to more complex imagery.

Another of the ways in which we often understand the notion of abandonment is in connection with spaces - a building standing empty, at first nothing more than a closed-down version of its former self but with time becoming more decrepit, vandalised, eroded. As the building changes with time, so does our understanding of it - until in cases where new uses supercede the former it can be hard to reconcile the building with what we know of it.

It is just such a view of abandonment that we see in a second group of projects in this edition. In At the Entrance to the Arcade, poet Stephanie Bolster uses cinematically vivid images to evoke loss and recollection, former lives and former uses of buildings. These four poems are very physical in the way that they move one around, providing a broad, long-term view of time and intimating a scale of interconnection larger than single lives and recognisable moments. The author manages, through wonderfully subtle imagery, to exalt the day-to-day.

The essay Holism and the Gestalt, on the other hand, talks about the physical aspects of abandonment from a quite different perspective. Taking as his starting point the view that the Holism-Reductionism debate is nothing more than a trivial linguistic misunderstanding, Stephen Levy uses two physical examples of abandoned places to illustrate what he sees as a failure of rationality. The underlying argument is straightforward and the view of abandonment as part of a natural dialectic is well illustrated. By bringing a more academic perspective to bear on the theme at hand, these positive and negative aspects can be seen in a new context.

A further academic extension can be found in Anna Simmonds’ Always-Already, an ambitious approach to Heideggeran thought which resulted in a dialogue or concrete poem combining aspects of Barcelona guide books and diary entries. The reader is challenged to combine the subjective and the objective - by presenting this work in a physical, interactive medium, the artist has managed to bring problems of phenomenology to abandonment.

Of the works whose focus lies most directly with the physical, it is the set of photographs from Shannon Doubleday that are most troubling. Collie Lane, four images taken of the photographer’s childhood home, are not simply nostalgic but rather sinister depictions of what-has-been. The lurid colouring combined with strange perspectives provides a claustrophobic atmosphere punctuated by images of escape routes - as if returning to one’s childhood home and finding it shrunken, unwelcoming. Here, the artist makes abandonment explicit in that which is no longer there, but which remains imprinted in such things as patterning and colour, or the attempt at unification of space through interior design. The formal value of these images, evidenced through colour and framing, is particularly strong - and it is through the use of such resources that the concept of understanding a space through the passing of time is stamped on each of these pictures.

The Three Gorges and Oradour-sur-Glane have a number of common points, not least amongst them being an attention to detail, an unflinching desire to record the moment of abandonment. However, there is another level at which the two works could not be more different. The first, Jade Ireson’s photo-journalistic work covering the social upheaval surrounding the planned civil engineering project at Sandouping in China, accompanies each photo with detailed diary entries providing additional context. At the project’s completion, some 2,000,000 people will have been relocated from their ancestral homes - 13 cities, 52 towns and 1376 villages will have been abandoned. Each of the 9 photos gives a richly detailed view of the human cost of technological advance - the abundance of reality in these photographs overcomes any resistance one might feel to journalistic manipulation and provides an honest portrait of the world as it is.

Sharon Jefford’s project Oradour-sur-Glane, on the other hand, concerns not that which will come to pass but that which has been. Throughout the work in progress of this project the artist developed a number of ideas & questions related to this small French town destroyed by Nazis and subsequently maintained as it was left - in the final work, the camera has been turned away from the town itself and onto the trees surrounding the site. The town is abandoned as the direct subject, the trees providing a mirror reflecting one’s gaze back to the town.

When we talk of abandonment we talk of change - the movement of one thing into another. In some cases this change is imperceptible, for example in the slow decline of piece of clothing or a social group; it is this movement that we see evidenced in Usos y Desusos (Uses & Disuses), Catalina Salazar’s exploration of the shopping centre for the poor that sprang up in Bogota towards the end of the 1990s. Through purchasing simple clothing and exposing it to the elements, the artist developed the base for a series of five digitally manipulated images that bring together a range of techniques in exploring the transitory nature of people’s lives. We see clothes presented as mirrors or as maps of human bodies in allegorical skin-shedding as we abandon how or who we once were; furthermore, by making the use and disposal of objects a daily action the work erodes any aura of ritual such action may once have had.

Layering and allegory also play a strong role in Ramón Galindo’s video work Bifurcate. Twinned images - a shoe shiner painstakingly working on a shoe placed centre screen, and a pair of bare feet walking with no pause - interlace on the screen to an eerie, pared-down soundtrack; a garish, almost violent red colour filter works to melt the images into one another even further. It becomes hard to tell which image has precedence, which is the most important - in different cultures walking without shoes is an action symbolic of either attainment or loss, or of total abandon, a kicking off not only of shoes but also all worldly cares.

Natalia Guarin & Vanessa Oniboni collaborated on the project Transición (Transition). Based on the premise that every action is an act of abandonment, they have presented a series of photographs capturing simple actions, embodying that moment where one thing becomes another. Long exposures coupled with a solid juxtaposition of formal elements provide a disquieting atmosphere in which warm colours and simple shapes frame ghostly personages engaged in a variety of behaviours.

In looking at the various different ways in which one can understand the notion of abandonment, this edition of dispatx.com contains personal works, physical interpretations, photo-journalism and the linguistic translation of abandonment into the moment of transition between two states. Estacionario (Stationary), a narrative piece by Vanessa Oniboni, pulls together all of these themes.

The proposal for this project suggested an exploration of abandonment along two specific axes; a linguistic level, seen in the formal structure of the writing, and a narrative level exploring the concept through actions and events. The first of these two is immediately apparent on reading the work - a dystopic, place-less setting frames a series of actions that seem both common and foreign. One is reminded of Auster or Koestler - as if the central character is in some way a refugee from another place, sequestered against her will. In the text, the character refers to herself as the ‘anticomprador’ (anti-buyer), and finds the gaze of the shopkeepers unbearable :

Quizá era una mirada instigadora, sospechosa, curiosa, pero para mí era una mirada de dolor. Yo la entendía como un gesto de súplica. Para mí el escaparate les había robado la memoria. Para mí eran seres ausentes, más estatuas.

(Perhaps it was a belligerent look, a look of suspicion, of curiosity, but for me it was a look of pain. I understood it as a plea for help. For me, the storefront had stolen their memory. For me they were absent, more like statues)

Several of this edition’s works have combined the everyday with transitionary elements of abandonment. In other works the results provided a troubled view of the world: in Estacionario, the world itself becomes something incomparably alien.

This fourth edition of Dispatx Art Collective contains 14 works comprising narrative and poetry, essay, photography, oil painting and sculpture, and video. Each of these elements poses a number of questions containing both positive and negative readings of the theme; by selecting these works and projects, we also feel that we have provided clear answers concerning the meaning of abandonment.

About Dispatx Art Collective:

Dispatx provides the tools of a social internet for the development and presentation of contemporary art and literature. Visitors are invited to interact with the artists via the online display of their working processes, and to create unique private collections of the finished works. Through this process we seek to establish a new curatorial discourse based on artistic working practices.

Links :
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With winter snows dissolved, springtime announces its arrival to Princeton, NJ, by an explosion of creamy-pink magnolia blossoms. Students in this thriving university town come out in droves this time of year, toting backpacks on bicycles or buses and heading off to one of their favorite hangouts. At PJ’s Pancake House, the aroma of warm, sweet maple syrup oozing down a stack of golden brown flapjacks will awaken the sleepiest of patrons. Another favorite evening spot is the Trump Brewery where ice cold, frothy ale awaits.

The town’s historical flavor whets the appetite as well. After all, General George Washington shouted orders to his troops here at the Battle of Princeton. Many buildings on campus resemble those from the Elizabethan era with their castle-like facades. Variegated ivy creeps silently but abundantly, engulfing its surroundings by season’s end, leaving only telltale signs of a structure’s existence. In the evening, spotlights illuminate Georgian-style Nassau Hall, showing off its numerous archways, towers, and cupolas, as well as the offices of the university’s president.

Historical buildings and sites are not limited to campus. Battlefield State Park takes visitors back to the time of the Revolutionary War, while Palmer Square, which was built downtown in 1937, houses colonial-style brick and stone buildings with trendy shops, restaurants, and galleries of contemporary art. Additional works of art can be found at Princeton’s Art Museum, as well as throughout campus. The works of Calder, Picasso, and others dot the campus and are a part of the John B. Putnam, Jr., Memorial Collection of contemporary sculpture.

For the sports enthusiast, golf courses, tennis courts, swimming pools, and playing fields are but a few of the amenities available for the active lifestyle. Those who prefer the great indoors can watch professional baseball and ice hockey being played at nearby Waterfront Park or Sovereign Bank Arena in Trenton. The excellent recreational and cultural offerings only accentuate the educational and economic opportunities here. In this thriving town, where more than two-thirds of residents have college degrees, the average household income is in the top 10% of the country and the unemployment rate is significantly below the national average. It’s no surprise that Money magazine describes Princeton as one of the “100 best places to live in America.”

Lizzy Scully
Managing Editor
http://www.FindYourSpot.com, the Internet’s best source of relocation information
For more information on relocation, check out the FindYourSpot.com blogs: http://www.findyourspotrelocationwebsite.blogspot.com, http://www.retasblog.blogspot.com

Continuing your education after high school is no easy endeavor. The costs involved with going to college seem to rise every year. It is no surprise that many parents and students cannot afford to pay these fees out of pocket. This is the main driver for the increase in popularity of an undergraduate private student loan. This type of loan can help ensure that you cover the gap between federal financial aid and the rising cost of college tuition. To be specific, undergraduate private student loans are credit-based loans available to students to be used for tuition, room and board, supplies, computers and other related expenses. They are unsecured loans which mean that you can get a loan with no collateral required to ensure repayment. It’s a good idea to explore undergraduate private student loans as alternative sources of funding. Let’s discuss some of the benefits:

1. Speedy Application Process

The application process for an undergraduate student loan is usually fast and easy. There are many lenders which allow the application process to be completed online which means that not only will you find out your pre-approval status in minutes, but you can also manage your account from the internet as well.

2. No Application Fees or Deadlines.

You can receive funds for the total cost of your education if you so desire and you can hold off on repayments until after you graduate. This will relieve you from the added stress of having to worry about getting money to make repayments while in school.

3. Tax Benefits

Another advantage of undergraduate private student loans is that they have many of the same kinds of benefits as federal loans. You may find that your interest is tax-deductible which means more money in your pocket, but it’s best to confirm this with your tax advisor.

Despite these benefits, keep in mind that because undergraduate student loans are unsecured, this may also mean a higher interest rate. In most cases this may be the case, but don’t let that stop you from doing the research into finding a suitable loan. Similar to looking at options for any loan, you will need to shop around to find the best rate.

Overall, undergraduate private student loans are an excellent choice to bridge the gap when federal financial aid and scholarships aren’t enough to pay the tuition bills.

For more information on undergraduate private student loans visit http://www.student-loan-zone.com

Buy quality self employed health insurance coverage that’s right for your stage of business growth, with an eye to the future.

Right now, you’re the only employee of your company and you need the peace of mind provided by a quality insurance plan. Before you ask for a self employed health insurance quote, though, look at these three business growth scenarios. Then decide what kind of self employed health insurance coverage and benefits you need before you buy health insurance online.

1) I expect to remain the sole employee of my business. Solution: simply ask for a self employed health insurance online quote.

Shop around and ask for a health insurance online quote from reputable insurance agencies that provide quality customer service. Then buy health insurance online from the agency that meets your needs and your budget.

Also read up on and / or consult an accountant to discover how you can deduct the cost of your self employed health insurance coverage. You’ll want to take advantage of every deduction possible without make a costly error in what’s allowable.

2) I expect to hire employees within the next year. Solution: ask about temporary self employed health insurance coverage and also ask for a group health insurance quote.

Let’s say that you’ve gotten a self employed health insurance quote that pleases you. There’s just one more step to take before you buy health insurance online. Ask the insurance agent to discuss how you will transition from self employed health insurance coverage to group health insurance once you hire your employees.

If the insurance agent is too busy to talk about this, then look elsewhere for a health insurance online quote. Also, monitor the dates on your temporary health insurance policy carefully because you don’t want a lapse between the end of your temporary health insurance and the beginning of your group policy.

3) I am ready to hire anywhere from two to fifty people. Solution: ask which group health insurance plan provides you the benefits that you — and your employees — will need.

Congratulations! Your business must be thriving and growing. Discuss this anticipated growth with insurance agents. Compare and contrast the health insurance online quote that they give you for group insurance policies and choose the one that will treat your best assets — your new employees — right.

You can then use your group health insurance benefits as a recruiting tool to hire and retain top quality staff that will keep your business moving in the right direction. When you buy health insurance online you are in fact investing in your company and its assets.

Time for a self employed health insurance quote or for group health insurance? Either way, choose the insurance agent that provides quality coverage and service, no matter what stage of growth you’re in.

Take a good hard look at where your business is headed. Decide whether you need self employed health insurance coverage or group health insurance. Then get your self employed health insurance quote and buy health insurance online that will keep you — and your employees (current or future) — safe, secure and covered.

Charles Mondrus is the president of Blue Cross of California American Health Insurance an agency selling Blue Cross of California health insurance and Blue Shield of California health insurance plans for individuals and employers. Charles and his team of insurance experts are licensed to sell Blue Cross California health insurance, as well as Blue Cross and Blue Shield plans in Colorado, Nevada and Georgia. Discover how you can find secure and affordable Blue Cross California coverage at AmericanHealth911.com

Get Rich Quick Scams - For every opportunity that pops up ensuring you a little stability in your life and to get back on track is normally brushed aside because apprehension prevails i.e. fear of being scammed. Sadly because of this - genuine opportunities are going unnoticed. There is no argument up for discussion over whether business opportunities have to be approached with the utmost of all cautious angles, especially where parting of money is involved.

Get Rich Quick scams need to be avoided. A vital question asked is, how can a person possibly know it is a scam in the first place. These are the thoughts in people’s heads when faced with a situation in believing what may - or may not be true.
There is no way of avoiding Get Rich Quick Scams; however there are ways of avoiding being conned into one.

To avoid the misery that follows a financial loss through being scammed, you must question matters that help you decipher if the opportunity you are interested in, is what it makes out to be.

Here is a little advice to save you time and money on get rich quick scams that fail to deliver the goods; did the opportunity come in a spam email or an email that you did not sign up for? If you signed up for nothing then remember you get nothing. Was it from a website popup or exit console? These are important matters to look into before signing up. Receiving information in junk emails is a sure sign to say beware - because the offer may not be legitimate. However many companies market this way and maybe legit.

Get Rich Quick Scams normally claim they can make you rich overnight with no hard work involved, be weary of this hype because it is a scam. If what they say were true, why would they need your money?

Even reputable companies offer work at home opportunities where you are required to purchase a membership or other product. This is where you need to be careful and be able to recognize the difference from the honest provider and the dishonest scam.
If the jargon you hear or receive - talks bout revealing secrets on how to become wealthy overnight - then approach with caution. Why would any one want to share a secret of this nature with a complete stranger? Pyramid schemes or MLM opportunities are notorious for dishonest construction.

Do research on the domain name offering the opportunity to see if it is web based or if the offer lists a website. Check out the confidential details on the whois data system to see if the given domain name looks bogus, look for things like phone numbers i.e. 999-999-9999 or dodgy email addresses or street locations. If the name on the domain differs from the company name trying to sell you something, then this may need looking into further. Testimonials are used to excite mugs into parting with their money. Use a search engine to check out the testimonial, and see what comes up. If the name turns out to be the company trying to sell to you whatever it is they are selling, then, the testimonial is false.

Because Get Rich Quick Scams are ten a penny- there will be times where you are confronted with an unbelievable offer, if so - believe it or not - it may well be scam
Using the power of a search engine, type in the name of the opportunity - and see what information is stored about the company in forums, and blogs. Type the word scam or rip-off next to the name of the company; this will enlighten you on any complaints about them.

Remember not all business opportunities online or in magazines etc are scams, however you need to make it your business to find out which ones are true to there very words. Remember a fool and his money is soon parted.

Have you been scammed - The Genuine Opportunity http://www.neverworryagain.com
Get rich quick by clearing your debts http://www.financialdilemmas.com

Within this article on credit card debt, there will be a focus upon how you can pay off your credit cards as quickly as possible while still maintaining a healthy lifestyle. After all, if you try and do anything in life that is just too “painful” and limiting, you are just not going to stick with it. This is why I think it’s realistic that you learn to get rid of credit card debt, without living like a miser!

In addition, by making the effort to eliminate your credit card debt, you are taking a step which few people are willing or unable to make. The first part of this article will focus upon a surefire method which you can use to successfully pay off your credit card quickly.

One way which you can use it to pay off your credit card debt quickly is to first prepare a budget to see where you can save money on expenses every month as well as where you are wasting money.

Finding The Money Leaks

Finding loose ends in your budget will allow you to both save money as well as have more money to be used in paying down your credit card. The “loose ends” are like leaks in your money bucket every month. It’s money that you do not realize you are spending - and probably can avoid spending if you are just more careful.

This does not require you to put forth any more work at your daytime job but rather creates efficiencies within your budget and plug the loose holes.

The second part of this article will focus on how you can save on interest charges every month.

The Snowball Method: Pay Off High Interest Rate Cards First

To help you save money on interest charges paid on your credit card debt, you should look at paying off your highest interest rate cards first. Making minimum payments on all of the other credit cards and then put any extra money which you have towards the highest interest rate card.

Once your highest interest rate card is paid off, then focus all the money previously put towards the highest rate card towards your second-highest rate card.

Put any additional money which you received from bonuses toward your credit card debt. The third part of this article will focus upon how you can save on interest-rate charges on your credit card debt.

This method of paying off the high rate cards first is also called the Snowball Method because as you move through the months, more and more money will be put toward principal instead of paying interest. This will speed up the process of eliminating your credit card debt.

Finding and Using Good Credit Cards

When you are looking at your credit card debt, you should know what your balances are on different cards as well as the different interest rates. If you have available credit on some of your lower interest rate cards, look into doing a balance transfer on these from your higher interest rate cards.

This will allow you to save money on your interest-rate charges every month which you can further apply towards your principal, thus paying down your credit card debt. The final part of this article will focus upon 0% percent credit card.

Your 0% percent credit card can be a great way for you to completely eliminate finance charges from your credit card debt and then all of the money which you saved on interest rates and finance charges every month should be applied towards paying down the principal on any credit cards left over with high interest rates once you have consolidated balances on to your 0% credit card. This will pay down credit card debt more quickly.

Hopefully this article on credit card debt has given you some insight into how you can save money on interest-rate and finance charges every month as well as how you can pay the card off more quickly by budgeting and saving on charges.

This does not take a great deal of time but give it a day or two one weekend and you will be surprised how much money you can save each month. This will allow you to release some negative stress from life and allow you and your family to sleep better at night knowing that you are well on your way to getting rid of your credit card debt.

Good luck and get moving!

For 7 more ways to pay off credit card debt fast and a free report on getting out of debt, visit Fabio Marciano’s site: http://www.payoffallyourdebt.com/free

Fabio Marciano is the author of The Secrets of Wealth and president of The Wealthy Pauper, a company whose mission it is to help educate people about investing, getting out of bad debt and personal development.

Business financing strategies for short-term working capital management are often overlooked because of an apparent preference for long-term business financing. Although long-term business loan options are frequently appropriate, there are several short-term working capital management possibilities that will be much more effective for business owners in achieving successful business financing results. Two of the most overlooked short-term working capital financing strategies are business cash advance programs and short-term commercial mortgage loan programs.

BUSINESS FINANCING EXAMPLE ONE - SHORT TERM WORKING CAPITAL MANAGEMENT - Business Cash Advance Programs

For any business that accepts credit cards as a method of payment, a business cash advance is a critical business financing tool that is often overlooked. Even thriving businesses frequently need more working capital than they can borrow from a bank. One of the least-known business financing strategies for successful businesses is potentially the single best working capital management strategy for obtaining needed cash for growing their business: the use of a business cash advance or merchant cash advance program. The most likely candidates to benefit from this working capital loan strategy are retail stores, service businesses, restaurants and bars. The highly-recommended and highly-effective working capital financing strategy uses an under-utilized business asset (credit card receivables) to obtain business cash advances based upon a merchant’s sales volume.

This working capital management strategy is also known as “credit card factoring”. Many businesses have relied upon a working capital financing strategy called “receivables factoring” or “receivables financing” which allows them to sell their future receivables at a discount. Most small businesses cannot adequately document their receivables in order to qualify for this kind of business financing. Many other small businesses (such as restaurants, bars, retail stores and service businesses noted above) simply do not have such receivables to rely upon as a commercial financing tool.

What these businesses do have in many cases is documented sales volume and documented credit card sales activity. It is this documented level of sales volume and credit card sales activity that becomes a financial asset to the business and its business financing strategies. Business cash advances from $5,000 to $300,000 can usually be obtained based on a merchant’s sales volume and future credit card sales. The business financing time period covered by a business cash advance is typically 12 months or less. For businesses that desire to continue the merchant cash advance program beyond this period, it is usually an easy matter to get an additional business cash advance once the initial one has been completed.

As with any successful business financing strategy, there will typically be only a small number of commercial lenders who are effective at implementing the working capital management strategy properly. There are also a number of problems to be avoided with business cash advance programs, so choosing the appropriate provider of this business financing service is extremely important to any business owner considering a business cash advance program.

BUSINESS FINANCING EXAMPLE TWO - SHORT TERM WORKING CAPITAL MANAGEMENT - Short-Term Commercial Mortgage Loan Programs

It is important to note that long-term business financing has a very important place for any business that owns commercial property. Business properties should normally not be financed with short-term funds. When longer-term business financing is appropriate, it is essential to obtain a long-term commercial mortgage of at least 15-20 years (and longer is even better).

However there will be many commercial mortgage loan situations in which longer-term business financing is not appropriate for the business owner. In such circumstances it is important for a business owner to realize that there are viable short-term working capital management options.

For business owners who expect to sell or refinance their commercial property within one to five years, it is especially advisable to explore short-term commercial mortgage loan programs. The most appropriate short-term business financing will have little or no prepayment penalties and “lockout” fees normally associated with longer-term commercial mortgage loans.

While we will not attempt to describe the technical aspects of commercial loan prepayment fees and lockout fees in this article, we will note that the absence of such fees in most short-term commercial mortgage loan programs is a very positive aspect of these short-term business financing options. The lack of such penalty fees could easily translate to a savings of 10% to 30% or more if a business owner needs to sell their commercial property during the time period which would have been covered by prepayment fees and lockout fees in a traditional longer-term commercial mortgage loan.

Although prepayment and lockout fees will typically be avoided with a short-term commercial mortgage loan, there are some trade-offs to be made if a business owner selects shorter-term business financing. When short-term commercial mortgage loans are available, the interest rate will frequently be in the range of 11% to 13%, the loan-to-value will typically be under 70% and such business financing will not be readily available for special purpose commercial properties. The most likely candidates for a short-term commercial mortgage loan are office, retail, multi-family, warehouse and mixed-use commercial properties. The business financing time period typically covered by a short-term commercial mortgage loan is six months to three years.

Just as there are very few highly-effective providers of business cash advance programs, there will typically be a very small number of commercial lenders who are effective at implementing the short-term commercial mortgage loan strategy properly. There are also a number of working capital management problems to be avoided with short-term business financing for a commercial mortgage loan, so choosing an appropriate provider is extremely important to any business owner considering a short-term commercial mortgage loan program.

Copyright 2005-2007 AEX Commercial Financing Group, LLC. All Rights Reserved.

Stephen Bush is the CEO of AEX Commercial Financing Group, LLC. Steve provides commercial mortgage loan and working capital management assistance throughout the United States. Information about free online Commercial Loan Reports and a free online Commercial Real Estate Loan Course is available at select AEX Commercial Financing Group, LLC websites.

Smiles, hugs and kisses
Make the world go around
Lots of love does abound
It comes with a sweet sound
Go to the airport and see
People interacting affectionately
Embracing tightly and joyfully
Saying goodbye tearfully
Greeting newcomers happily
Welcoming familiar faces
Travelers from many places
Weary from their long journey
Seeking some friendly company
A helping hand to carry luggage
Escort them to get their baggage
Secure ground transportation
To get to their destination
Others just arriving to depart
Packing properly is a work of art
Not bringing too much unnecessarily
Whereby you pay for excess dearly
Sometimes airline reps are friendly
Comforting the perplexed soul
Who’s damaged wheels don’t roll
After check in, on to security you go
To drop your backs for inspection
TSA doing their daily investigation
Of your prized personal belongings
Oh, what joy a tender smile brings
When you’re exhausted by everything
Overwhelmed by all of the tedious
Travel items that heavily burden us
The flight regulations that break us
“Open your laptop, take off your shoes”
Dead tired you proceed, but want to snooze
After scanning all of your essential items
Suddenly you recall something you did lose
After which you must go back, circle around
To check for what you forgot in lost and found
All of this travel nonsense makes you frown
Thankfully however usually someone is bound
To interject a joke, or kind, encouraging word
To lighten, uplift, and sustain your inner world
Make you laugh when you are dreadfully bored
Entertain you as you move frantically toward
Where you are diligently endeavoring to go
A gentle smile assures and helps you know
You are not alone in this thing we call life
Though you may be traveling without your wife
Nevertheless people’s smiles, hugs, and kisses
Not necessarily to you, but all around about you
Remind you that there is warmth and kindness
Which strengthens you to get through all of this
Experience an enjoyable journey with happiness
Until you return to your beloved wife to hug and kiss.

Paul Davis is a life coach (relational & professional), traveling minister and fitness trainer. Paul is the author of several books including Breakthrough for a Broken Heart; and God vs. Religion. Paul is a popular worldwide keynote speaker, creative consultant, humor being, adventurer, explorer, mediator, minister, liberator and dream-maker.

Paul’s compassion for people & passion to travel has taken him to over 50 countries of the world where he has had a tremendous impact. Paul has served in many war-torn, impoverished and tsunami stricken regions of the earth. His nonprofit organization Dream-Maker Ministries is building dreams, breaking limitations and reviving nations.

Paul’s Breakthrough Seminars inspire, revive, awaken, impregnate with purpose, impart the fire of desire, catapult people into a new level of self-awareness, facilitate destiny discovery and dream fulfillment.

Contact Paul to minister, speak at your event or for life coaching: RevivingNations@yahoo.com, 407-967-7553.

For additional info:
http://www.DreamMakerMinistries.com
http://www.CreativeCommunications.TV