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It’s all too much. You’re so deep in debt you don’t know what to do about it. Have you considered a personal debt consolidation loan? No matter how bad things seem, as long as you have a job, you can consolidate your debts and reduce your monthly expenses. If you are trying to juggle a number of credit card payments every month plus other personal or consumer debt, you’ll certainly understand how stressful a large debt burden can be. A personal debt consolidation loan could provide you with a reasonable solution to a whole lot of trouble.

Apart from the very real personal difficulty of high debt cost, a very real challenge faced by people struggling under its burden is sheer embarrassment. You need help, but you don’t know who you can trust. You certainly don’t want your private business discussed over other people’s dinner tables. This fear can leave you in limbo; needing to take action but too afraid to do it. A personal debt consolidation loan could be your personal door to financial freedom - and no-one needs to know.

Having said that, however, if you could relax your guard a little and allow yourself to trust someone (let’s say, a financial or debt counselor) you might be able to get some much needed help to improve your circumstances. A good debt counselor could help you find the best personal debt consolidation loan to suit your individual circumstances. Additionally, once the much needed rescue operation has been finalized, he or she can help you create an effective short term budget and long term financial plan that will support you in improving your financial position over the long haul.

It must be said, however, that a personal debt consolidation loan should not be considered in isolation. If you consolidate debt but do not cancel your credit cards once their balances are paid out, you are asking for trouble. Be strong, and cancel your credit cards to avoid future problems and just make sure that your budget includes savings for emergencies. You might just have to become very creative in how you find money when the credit card option is not available to you. But hey, in the long run you’ll be the winner!

A personal debt consolidation loan will be able to help you improve your financial circumstances if you are burdened by multiple debt payments, but only if you are prepared to do the required personal work on yourself. You did not become embroiled in the sticky tentacles of debt as an unwilling victim of fate. No matter what the catalyst, you made decisions that created your current circumstances. Unless you are willing to admit your own part in your financial meltdown, how do you expect to change your future? This means that unless you are willing to admit your mistakes and change the way you deal with things, you are probably going to repeat the same mistakes in the future.

You can solve your immediate debt burden with a personal debt consolidation loan, but in the long run you will have to change your financial behavior if you want a better life.

Discover the power of a personal debt consolidation loan to effectively get your finances under control. Visit http://www.your-debt-consolidation-loan.com to find out more about how you can turn your finances around.

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The way we listen to music has forever changed thanks to the MP3 revolution. If you are late in jumping in on this bandwagon it really is a great time to be considering your first player. The main problem you may have is deciding which type of player is right for your needs. One trip to your local computer superstore and you will find a lot of different types of portable players. How are you supposed to figure out the model you need? You have so many different choices such as whether to purchase a hard drive or flash memory model. Would an MP3 CD player better suit your needs? This article will take a look at some of the features available on the many different types of MP3 players and help you pick out what is right for you.

The first thing you must decide is what type of storage space do you need. The first players such as the iPod had a hard drive much like the hard drive in your computer. You can buy these in all different sizes with some available as large as 60 GB. Some of the bigger models will more than likely store all the music you will ever want to store. If you cannot fit all of your music on one of these models you own a lot of music. On the other side of the coin are flash memory models.

MP3 players with flash memory generally will not hold as much music as one with a hard drive. There are no moving parts and they are well known for being small and holding up well when a lot of movement is going on. Flash memory is an excellent type of portable music player to use when exercising. The small size also makes it a great choice when you plan to take your flash-based player with you on your daily activities. Depending on your needs a CD player that will play MP3 disks may be a good choice.

Most of the radios you can purchase these days will have the ability to play MP3 CDs already built in. If you are the type of person who will listen to your music in the car most of the time this might be a good choice. Not only will these radios play regular CDs they also will play your MP3 CDs that you can burn at home. The advantage of this over a normal CD is that you can stuff many hours of music compressed into the MP3 format on a single CD.

In the end it is up to you to decide what is important to you. Do you need the ability to store a large amount of music or is size and being able to slip your player in any pocket more important? Do your research and make the right choice the first time. There has never been a better time to pick out that first MP3 player. Enjoy the music wherever you go.

For more information on the best storage for your mp3 player try visiting http://www.streamingaudio101.com where you will find tips, advice and resources about topics such as replacement ipod parts

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Are you interested in saving on your health care needs? Do you occasionally need a prescription drug, only to have to do without because you can’t afford it? How many times, just this year alone, have you looked at your smile wishing you could go to the dentist?

Not only can you save on these needs, but you can also save on vision and hearing needs as well. With the healthcare savings tips below, you can take care of yourself and family members without going broke.

Save at the Pharmacy

There are several ways to save money at the pharmacy. If you own a business, both over-the-counter and prescription medications are tax deductible. When you file taxes, you can use medical bills as leverage to save on your tax bill. This adds up quickly when buying expensive prescription drugs.

There are also special discount cards designed specifically to save you dollars at the pharmacy. With these cards, you can get antibiotics prescribed by a physician at discounted rates and short-term medications such as painkillers, which you shouldn’t have to do without when you need them. Also with many discount prescription drug cards and pharmacy plans, you can visit almost any major pharmacy chain.

Another way to save on prescription drugs is to always ask for a “generic” brand. Generic brands can be substituted for name brand prescription drugs if the physician permits it. Generic drugs are often less expensive but have the same healing properties. There are also herbal remedies that can sometimes be substituted for prescription medications. Check with your doctor and pharmacist to see if this is a possible solution.

Saving at the Dentist

You can also realize savings on your annual dental cleaning as well as root canals. Getting a crown can really make you dig deep into your purse. Luckily there are health savings plans that can help you with these and other orthodontia needs so your beautiful smile can be a reality instead of just a wish. Just as medical doctor bills and prescription drugs, dental bills are also tax deductible if you own a business.

There are also independent dental insurance plans you can purchase if your current insurance company does not offer a dental plan. You can use the Internet to research plans that are available in your state. Though these plans often have a very limited maximum payout per year, they can be helpful in saving on individual dentist bills if you go regularly.

Savings on Vision Care

Does a saving of up to 60% on vision care interest you? It should, knowing that a pair of eyeglasses just five years ago was well over $350! Not to mention the average eye exam at around $75. Yes, vision care can get quite expensive these days. You don’t have to put off going to the eye doctor any longer just because you can’t afford it. Most people do put it off for that very reason.

Healthcare savings plans and discount cards are also available for vision care. And yes, this too is tax deductible for business owners. Another way to realize savings on eyeglasses is to keep your same frames when getting a new prescription. The new lens can be placed in your old frames so you won’t have to pay for new frames.

With these savings, you don’t have to feel guilty for taking care of your much-needed eyesight any longer.

Savings on Hearing Care

That old saying, “Nothing lasts forever” can be so true. It seems that the hearing is usually one of the first senses to start fading. You shouldn’t have to be embarrassed when the time comes that a hearing aid is needed to boost your hearing. It’s all a part of life. Whether you are more interested in ordering products through the mail or visiting a local hearing aid center near you, there are healthcare savings plans to help you save money on hearing products and exams.

Use these tips to realize tremendous savings on your health needs and live your life without worry of outrageous medical expenses!

Chris Robertson is an author of Majon International, one of the worlds MOST popular internet marketing companies on the web.
Learn more about Healthcare Savings Tips or Majon’s Health and Beauty directory

The fish most commonly known as Bettas are a species of the genus Betta called Betta splendens. Like other Bettas, these fish can survive in very small bodies of fresh water, thanks to a special organ called the labyrinth. Because of this organ, which allows them to breathe atmospheric air, they are able to thrive in low oxygen water, including puddles, ditches, slow streams and rice paddies. Bettas are about two to two and a half inches long and live, on average, for about four years. Some specimens have lived up to a decade in laboratory settings.

Historically, Bettas have been used in some Asian countries for a sport rather like cockfighting. Because of this, they are also known as Siamese fighting fish. The specimens used for this sport were bred to be short-finned and very aggressive. Modern Bettas are more likely to be showy, decorative animals. Originally, only the males of the species showed the bright colors that are synonymous with Bettas, but recent strains have produced bright, showy females as well.

Female Bettas are the same general size and conformation as males, but have shorter fins. In males, the pelvic fins in particular are very long and extended. Specialized types of male Bettas with particularly unusual tails have been bred, including the crowntail, double tail, and halfmoon tail Bettas. As male Bettas age, the tail becomes larger, longer, and heavier. Eventually, this causes the fish to become sluggish, and it will eventually lose the tail. It will grow back, but not look exactly the same, and the loss of the tail rejuvenates the fish.

Betta fish are carnivores. Their mouths are full of rows of tiny pointed teeth. Despite the sharpness of these teeth, the males routinely carry eggs in their mouths without causing any damage. In captivity, they eat homogenized Betta pellets or bloodworms and brine shrimp. Many aquarium-bred fish will also accept flaked tropical fish food.

Male Bettas raise their babies. They build bubble nests for this purpose, and will even do so if there are not females or babies around. They do this by manipulating bubbles of air with their mouths into nests of various sizes and thicknesses at the top of the water. Many Bettas prefer some sort of shelter, such as vegetation, for their bubble nests.

The lower half of the Betta’s anatomy is mostly swim bladder, flesh and bone. The internal organs are located between the head and the beginning of the anal fin. This fin is the large fin on the lower half of the fish’s body, in front of the tail. The other fins are called the dorsal, pectoral, and pelvic fins. Bettas also have gill covers, which they may flap open in response to a perceived threat. Male Betta fish are famous for their displays when confronted with other males. They open their brightly colored fins and flap the gill covers in an attempt to look larger than they actually are.

For more information on betta fish, also known as Japanese fighting fish try visiting bettafishcenter.com, a popular website that provides tips, advice and resources on caring for betta splendens.

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When it comes to diet fitness health these three have plenty in common because when you combine good diet with fitness you get good health.

Of course when it comes to diet fitness health the opposite could be true as well. Poor diet plus poor fitness will mean poor health. And it’s all in your hands. Do you want to be strong and healthy and feel great or do you want to be sickly and feel horrible.

Whether you are 9 or 90 you can control your diet fitness health outcome. There are some very simple things you can do. Diet changes can be as simple as adding more fruits and vegetables to your diet. Fresh is always a good choice providing you with the most nutritional value. You might also decide to reduce your saturated fast and eliminate Trans fats from your diet making your heart that much healthier.’

Diet is important to your overall health but if you are looking to loose a few pounds don’t make the mistake of cutting your calorie intake too much because what you will do is put your body into panic mode otherwise known as starvation mode which will then store those calories as fat. You want to reduce your calorie intake by no more than 500 calories to ensure that you are going to have an impact on your diet fitness health formula.

When you decide that a diet change is in order you must remember that it’s a two part formula diet fitness health. When you take care of the diet your next task is to take care of the fitness. Too many people get their workout from the television remote and too many people don’t realize just how easy it is to increase your fitness.

Diet fitness health is a three part formula. Once you improve your diet and decide to add a little fitness into your routine you’ll be on your way to health and all it takes is for you to get 30 minutes of walking in at a quick pace. That’s enough to get a good cardio workout for your heart and to burn a few extra calories - what a nice added bonus.

Now speaking of burning calories if you’ve got a few extra pounds that you want to get rid of turn up the heat just a little. Speed up on your walk, extend the period of time, or add some resistance exercise. The key here is burn more calories than you take in and when you consider the formula diet fitness health you can see how it plays into both elements.

The diet fitness health formula isn’t a new idea but what has happened is that our overall health is getting a lot more attention than it use to. Suddenly we don’t want to be overweight couch potatoes anymore. Rather we are much more interested in healthy diets and exercise which leads to fitness.

So what does it all mean? The diet fitness health formula simply means you are ready to get fit from every aspect.

Get all the latest information about Fitness from the only true source at http://www.topfitnessinformation.com

Be sure to check out our diet ftiness health pages.

A lot of our injuries happen when we are least expecting it. We might cut our finger while cutting the bread with a knife, or fall down the stairs because we get distracted by something, even almost lose our life because we cross the street without looking carefully before to see if there is a speeding car coming towards us. So, a series of disasters become part of a routine in our life.
Depending on the severity of the consequences of our inattention, we may even laugh at our stupidity. We simply don’t pay attention to all these accidents if they happen only once in a while, and we believe we are normal people; we may not realize how often they actually occur.
However, these accidents don’t happen by chance or only because we are distracted. Firstly, the fact that we are distracted when we should be very careful, indicates that we don’t have the proper attitude towards serious matters.

Accidents can become a nightmare - they can turn into serious disasters. We better discover their hidden meanings, before they kill us!
People that experience several accidents in their daily life shall not be considered “just a bit vague”. They suffer all the time with many accidents because they have a hidden suicidal tendency.

First of all, we have to consider the characteristics you have from the beginning of your life… Some people seem to adore life. No matter how much they suffer, they are always laughing and trying to be happy. They are often superficial, and usually belong to the extroverted psychological type whose judgment is based on sensations. Other people seem to hate life. They are always afraid and expecting the worst.

People have different psychological types, and each one of us has his own story, full of disappointments, wounds, bad memories, tragic facts and events, besides the joy of some moments and better periods of time. Each one of us has a world inside himself, and a defined psychological type, that induces us to behave in a certain way, based on the psychological function we develop in our psychical sphere.

So, depending on which psychological type a person belongs to, they have a completely different reaction to the same stimulus. This reaction depends also on the personal psychical traumas they have had.

Some people that belong to introverted psychological types for example, are more vulnerable to acquiring a suicidal tendency.

When we see a person that has such a hidden tendency, we have to try to understand why they don’t want to live. Usually they are accepting living under unbearable conditions, or accepting horrible situations, without understanding they have to change and abandon this way of life. They can not accept what doesn’t make them happy without caring about their happiness, and they can not continue to ignore reality forever… There are many problems they may have in their daily life, perhaps during many years repeatedly, that are killing them softly inside. So, their hidden desire is to die, even though they know they can’t actually commit suicide. They don’t accept the idea of a suicide, because that’s what they have been taught. However, deep inside them, they only want to die and abandon forever all the horrors they have to swallow every day… all the problems they know will never find a solution… everything!

This desire is condemned by their human conscience, that’s why is it hidden and appears in an obscured form: it seems to be only a tendency to be negligent.
In fact what happens is that their psyche wishes to die, and they start having strange thoughts, fantasising or dreaming about a sudden death, in which they wouldn’t be the ones that decided to abandon life, everyone and everything, in such a cowardly way.

They start accepting ideas like: “I could easily die if a very simple accident would happen now…”, and “it wouldn’t be my fault…” But these thoughts never create decisive action towards suicide, because their conscience is still alive and not allowing them to accept the act, while pretending they had only an accident.

We never know however who is going to win in the end. Is the human being going to overcome his depression and become healthy and balanced, after winning the battle against the strong tendency to commit suicide, or is this strong tendency going to push him to really kill himself in this hidden way?

My advice is to always consult a psychologist if we’ll observe that we suffer from several small accidents, or somebody else close to us does. The constant accidents are not the result of negligence. They reflect a suicidal tendency, without any doubt.

Perhaps the problem can be solved if we pay attention to what is happening generally in our lives and do something courageous to change the awful situations in which we live, or abandon them. Perhaps the signs of a hidden suicidal tendency will open our eyes to reality and demand from us a serious response.

In the meantime, people that have this problem have to be always very careful, never doing things on a hurry. Until they’ve overcome their problem, they should do things very slowly and always pay attention to what they are doing. It’s better to miss the bus, for example, than to miss a step and lose their lives. They have to allow more to go anywhere, because they can’t run. They are sick, and need to be very careful until they have overcome their depression - when this dangerous hidden suicidal tendency will disappear.

Christina Sponias Chatzidimou

During my studies, I came across Carl Jung’s method of deciphering dreams, which helped me and urged me to continue his research into the unknown regions of our psychical sphere. I set my poetry aside and began to compile my findings. I sought to prove that Jung had discovered the proper method of interpretation of dreams. This exercise actually taught me many things, and I continued to pursue Jung’s research into the analysis of dreams. Learn more at http://www.booksirecommend.com/

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Hiring a professional to build your deck is not always an easy task. This is due to several factors…

First, there are many people out there who call themselves Deck Builders. Look under ‘Decks’ in the phone book and you will see what we mean…there are tons of deck builders listed in each area. Also, there are often ‘underground’ deck builders that are out dropping business cards and trying to get customers. Many times these are individuals who work at various other home service jobs, but offer their services as deck builders on the side.

Second, the barriers to calling oneself a professional deck builder are small. People don’t necessarily need a lot of fancy equipment or tools to start a deck building business. Therefore, individuals that have hammered a few nails before can try to trick you into believing they are a highly skilled and experienced deck builder. If you have a truck, a tool belt, and a business card you could fool a lot of people! This is especially worrisome considering that decks are structures that often support many people and are tied into your existing home. A poorly built deck could result in injury or structural damage to your home.

Finally, there is the fact that companies that build decks often offer a wide range of other services. Some deck builders’ main business may be installing windows or siding. This can make it confusing as to who really has the experience to build the perfect deck for you.

So what do you do when looking for a Deck Builder?

We recommend:

- Asking your friends and neighbors to see if they have had good or bad experiences with local deck builders. Simply knowing that another person has had a good experience with a deck builder prior to calling them lessens your chance of hiring a problem.

- If you have the time, call a few deck builders to look at your project. This will help you determine fair market price for your job. This does not mean you should always go with the lowest price, you should go with the company you feel most comfortable with and who you feel will do the best job. If an individual is offering a real low price you should ask yourself “why?”.

- Make sure the company or individual has insurance. Building decks usually involves power tools and plenty of opportunities for injury. As mentioned above there are many fly-by-night deck builders that may not be insured. Ask them for their insurance company’s phone number and call them to prove they are insured. If you skip this part you could be held liable for an uninsured deck builder’s injury while working on your house. They should also have liability insurance. If they do something that ruins part of your house they should be insured to pay for their mistakes.

- Ask the deck builder to help you determine the best design for your deck. If you are looking for an extremely low price, keep in mind that the deck builder may loose some quality in products or labor to meet the low budget. It is worth the extra money to make sure that your deck is done right…otherwise you will pay more money in the long run. Ask to see examples of finished decks they have built.

- Determine whether you will want to seal or stain your deck. Some people also prefer to leave the wood alone and let it age naturally.

- Always get a statement of work to be performed in writing. Keep this filed away. Make sure the document clearly states what work is to be performed.

- Ask if your deck builder’s work comes with guarantees. Make sure you get these things in writing. These are all factors to weigh when looking at the estimates left by different deck builders.

- Some deck builders require an upfront payment. If you have hired a smaller deck building service, they may require money upfront to help pay for materials. Make sure you have a refund policy stated in your agreement if they end up not working out. Also, this upfront amount should never be over 30% of the total cost of your job.

- Check in on the deck builder’s progress regularly…try to catch potential problems or misunderstandings before it is too late.

Good luck with your Deck Building needs!

Jim works for The Super 7- a company dedicated to helping homeowners search for, and hire, good home service contractors. More information on this effort can be found at Raleigh-Durham deck info.

For more info Hiring deck contractors in Raleigh-Durham or anywhere

http://www.super7contractors.com

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When debt has compounded and you’re having a hard time making ends meet, stress inevitably becomes a part of your daily life. When you add family expenses to this equation, stress levels double or even triple and begin to adversely affect your mood, social life, and physical health. A low interest debt consolidation loan can help give you back the ability to care for your family, pay your debts down and eventually off, and regain control of your finances.

Currently, every credit card debt or other unsecured debt that you may have is charging you monthly interest at a rate of anywhere from 10% all the way to a scary 26%, sometimes more in extreme cases. If your credit card has a $5000 balance, every month you could be charged up to 26% of that balance because you have that balance. It’s a cycle that is hard to put an end to if you only pay minimum payments each month. Also, if you have more than one credit card like this, the problem is compounded. At this point it’s hard to have money left over for life’s necessities when everyone is healthy. If a child or spouse becomes ill, the problem compounds even further.

A low interest debt consolidation loan will allow you to have less out of pocket expense each month allowing more for any little family emergency that may arise as well as basic monthly expenses for a family. This is accomplished by the fact that the low interest debt consolidation loan will have a lower interest rate than your unsecured debts and there is interest charged to you only once rather than two or three times depending on how many credit cards you have. Rather than being charged the 10-26% on each card, your interest rate will be in a lower range and be charged only one time for the amount of your total debt.

Once you have been approved for the loan and the unsecured debt has been paid, you will see each month that there is more money available to you to care for your family with. The low interest debt consolidation loan makes that money available to you through the lower interest and the one combined amount. You will be monetarily prepared for any family emergency that may arise. You will again have an easier time buying groceries or any other necessities for your family. Your children will be able to be involved in town sponsored sporting leagues or school sponsored events because you and the low interest debt consolidation loan have freed up more money each month to make those things possible. Your finances will finally be yours again and your family and your health and your peace of mind will reap the benefits for years to come.

Discover the power of a low interest debt consolidation loan to effectively get your finances under control. Visit http://www.your-debt-consolidation-loan.com to find out more about how you can turn your finances around.

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The Shimano Stradic MgFA is one of the lightest weight spinning reels there is, mainly because the magnesium that is used for the frame. It is definitely a fearless reel built for a tough battle. In this article, I’m going to go over all the ins and outs of this reel.

Here is a list of the features of this reel:

• Magnesium Frame
• Graphite Rotor (wish it was still magnesium)
• Cold Forged Aluminum Spool
• S Concept
• Slow Oscillation
• Plastic Maintenance Port (should be metal )
• S-Guard (protects butt of the body)
• S-Arm Cam (keeps line in roller)
• ARB bearings
• Machined Aluminum Handle Shank
• Septon Handle Grip (although not quite as soft and grippy as old model grips)
• Power Roller Three (including tapered bail)
• Floating Shaft

Shimano fixed many of the problems of the old version, Stradic MgF, in this new version. Overall, the newer reel feels more solid than the older version. It doesn’t have the convenient breakaway handle anymore, but it did make the older version feel less solid. Thankfully, Shimano didn’t put that rubbery feeling coat that wore away slowly on it anymore. Comparing the old and new model 2500’s, the new one is only 0.2 ounces heavier even with the all metal spool.

There is no more 1000 size, but now there is a 4000 size for fisherman going after larger species. Also, there is no more magnesium rotor; it was replaced with graphite. There is also a $30 spike in price to a $190. I think that the Shimano Stradic MgFA is still definitely worth it if you like a light weight reel that feels very solid.

I am an avid angler from Somerset, New York. If you enjoyed reading the above fishing article and are a serious fisherman who loves the outdoors, I would like to invite you to my website where you will find tons of information dedicated to the sport we most love at http://www.TheArtofAngling.com Also, you’ll have free access to my fishing forum and newsletter - all FREE!

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Many dogs, without proper guidance (knowing the house rules and understanding and complying with basic obedience commands) will shoot for the stars and try to establish themselves as the leader of the pack. It is this pack mentality– the dog’s natural tendency to try to rise in the ranks, or in some cases,his confusion about just what’s expected of him — that often makes life with our valued and loved pets so difficult. Dogs need a job so they know what you want of them. Because they are pack animals by nature even when trained in basic obedience with always try to push themselves up the ranks in the pack if any leeway is given to them. Just like an employee trying to move up the company ladder. Give them an opportunity to take over and they will pursue the avenue.

When you get your dog you need to set boundaries and limitations. This is just like you would do with your child. We send our children to Kindergarten and expect them to stay in their seat, raise their hand to ask or answer a question and line up to go to lunch and conduct themselves in a respectable fashion with good manners.

Why don’t we ask that of our dogs. We let our dogs pull us down the street, jump on people, get on the furniture, demand our attention by expecting petting when they want it and push out the door first.

Yes, you guessed it. That is rude and the dogs know it. You have let them rule your house and you.

In order to stop this you need to start to establish yourself as a pack leader. This is more simple than you think and has nothing to do with being mean to your dog.

You are going to teach them in very black and white circumstances that they must:

1. Wait to go out the door until you go first.
2. Always sit on the floor and never on furniture. This shows them in the pack world whoever is the higher animal is a leader.
3. Never let the dog be in front of you on the walk. They always have to be behind you. Have you ever seen a pack of dogs. The leader is in front and his servants or other members of the pack walk beside or behind him.
4. Don’t take anything personally. Your dog does not and will not love you less for making them have boundaries and limitations. They will actually learn to respect you and will love you more.

Lesa Bolt is a professional dog trainer http://dogs.silvercreekcanine.com