Good Use of Credit Cards

Qualities of responsbile credit card users:

  • They keep track of their purchases and carefully examine their monthly statements to make sure that they are being charged only for purchases they have made.
  • They pay their bills promptly, realizing that a good credit history will likely be helpful later—perhaps when applying for a job or for insurance or when financing a car or a home.
  • If possible, they pay the full amount owed so that they can avoid being charged a high interest rate on the balance.
  • They do not give out their credit card number and expiration date over the phone unless they know the person or the company they are dealing with.
  • They never lend their credit card to anyone, not even to a friend. After all, it is the credit record of the card owner that will be affected if the card is misused.
  • They avoid using their credit card as a means to get quick cash, as if it were a bank card. Remember, cash advances usually carry a higher interest rate than purchases.
  • They do not fill out and send in every Credit Card Applications they receive. For most youths, one card is enough.
  • They use their credit card with respect, fully realizing that when they make a purchase with it, they are still spending real money, even though they are not using bills or coins.

Popularity: 3% [?]

Parable of the Pig and the Cow

Parable of the pig and the cow…

The pig was unpopular while the cow was beloved. This puzzled the pig…

PIG: people speak warmly of your gentle nature and your sorrowful eyes. They think you are generous because each day you give them milk and cream, but what about me? I give everything I have. I give them bacon, ham, etc. I give my all.

The cow replied, it’s not really what you give when you’re dead. It’s about what you give while you’re still alive

Popularity: 9% [?]

Knock Knock!

Last month, we tore down one of our room’s door because we forgot to bring the key with us and it was locked. We desperately need to open it up so we have no choice but do the barbaric way of tearing it down.

We don’t mind as it is a bit old anyway. So now we are looking for a door hardware to replace the broken one.

Any good suggestions?

Popularity: 5% [?]

Going Bananas

I got this very interesting this morning and I thought it is very worthwhile sharing:

After reading this, you’ll never look at a banana in the same way again.

Bananas contain three natural sugars - sucrose, fructose and glucose combined with fiber. A banana gives an instant, sustained and substantial boost of energy.

Research has proven that just two bananas provide enough energy for a strenuous 90-minute workout. No wonder the banana is the number one fruit with the world’s leading athletes.

But energy isn’t the only way a banana can help us keep fit. It can also help overcome or prevent a substantial number of illnesses and conditions, making it a must to add to our daily diet.

Depression: According to a recent survey undertaken by MIND amongst people suffering from depression, many felt much better after eating a banana. This is because bananas contain tryptophan, a type of protein that the body conv erts into serotonin, known to make you relax, improve your mood and generally make you feel happier..

PMS: Forget the pills - eat a banana. The vitamin B6 it contains regulates blood glucose levels, which can affect your mood.

Anemia: High in iron, bananas can stimulate the production of hemoglobin in the blood and so helps in cases of anemia.

Blood Pressure: This unique tropical fruit is extremely high in potassium yet low in salt, making it perfect to beat blood pressure. So much so, the US Food and Drug Administration has just allowed the banana industry to make official claims for the fruit’s ability to reduce the risk of blood pressure and stroke.

Brain Power: 200 students at a Twickenham (Middlesex) school ( England ) were helped through their exams this year by eating bananas at breakfast, break, and lunch in a bid to boost their brain power. Research has shown that the potassium-packed fruit can assist learning by making pupils more alert.

Constipation: High in fiber, including bananas in the diet can help restore normal bowel action, helping to overcome the problem without resorting to laxatives.

Hangovers: One of the quickest ways of curing a hangover is to make a banana milkshake, sweetened with honey. The banana calms the stomach and, with the help of the honey, builds up depleted blood sugar levels, while the milk soothes and re-hydrates your system.

Heartburn: Bananas have a natural antacid effect in the body, so if you suffer from heartburn, try eating a banana for soothing relief.

Morning Sickness
: Snacking on bananas between meals helps to keep blood sugar levels up and avoid morning sickness.

Mosquito bites: Before reaching for the insect bite cream, try rubbing the affected area with the inside of a banana skin. Many people find it amazingly successful at reducing swelling and irritation.

Nerves: Bananas are high in B vitamins that help calm the nervous system.

Overweight and at work?
Studies at the Institute of Psychology in Austria found pressure at work leads to gorging on comfort food like chocolate and chips. Looking at 5,000 hospital patients, researchers found the most obese were more likely to be in high-pressure jobs. The report concluded that, to avoid panic-induced food cravings, we need to control our blood sugar levels by snacking on high
carbohydrate foods every two hours to keep levels steady.

Ulcers: The banana is used as the dietary food against intestinal disorders because of its soft texture and smoothness. It is the only raw fruit that can be eaten without distress in over-chronicler cases. It also neutralizes over-acidity and reduces irritation by coating the lining of the stomach.

Temperature control: Many other cultures see bananas as a ‘cooling’ fruit that can lower both the physical and emotional temperature of expectant mothers. In Thailand , for example, pregnant women eat bananas to ensure their baby is born with a cool temperature.

Seasonal Affective Disorder (SAD): Bananas can help SAD sufferers because they contain the natural mood enhancer tryptophan.

Smoking &Tobacco Use: Bananas can also help people trying to g ive up smoking. The B6, B12 they contain, as well as the potassium and magnesium found in them, help the body recover from the effects of nicotine withdrawal.

Stress: Potassium is a vital mineral, which helps normalize the heartbeat, sends oxygen to the brain and regulates your body’s water balance. When we are stressed, our metabolic rate rises, thereby reducing our potassium levels These can be rebalanced with the help of a high-potassium banana snack.

Strokes: According to research in The New England Journal of Medicine, eating bananas as part of a regular diet can cut the risk of death by strokes by as much as 40%!

Warts: Those keen on natural alternatives swear that if you want to kill off a wart, take a piece of banana skin and place it on the wart, with the yellow side out. Carefully hold the skin in place with a plaster or surgical tape!

So, a banana really is a natural remedy for many ills. When you compare it to an apple, it has four times the protein, twice the carbohydrate, three times the phosphorus, five times the vitamin A and iron, and twice the other vitamins and minerals. It is also rich in potassium and is one of the best value foods around So maybe its time to change that well-known phrase so that we say, ‘A banana a day keeps the doctor away!’

PASS IT ON TO YOUR FRIENDS

PS:
Bananas must be the reason monkeys are so happy all the time! I will add one here; want a quick shine on our shoes?? Take the INSIDE of the banana skin, and rub directly on the shoe…polish with dry cloth.

Popularity: 10% [?]

Personal Lawyer

You’ve been a victim of an accident and felt that you need to fight for justice. What would you do? The best thing is hire a lawyer.

But before choosing a lawyer to help you with your particular problem, you should have some understanding of the different fields of law so you can ask whether your case is within his type of practice. The complexity of present-day life and business affairs has led to increasing specialization in legal practice. A lawyer who was effective in purchasing your friend’s house or probating a will may not be the right man to conduct a personal-injury suit or a malpractice action.

There are a lot of good personal injury attorney Austin Texas-based. They are specialized in winning cases for personal injury due to accident. Their mission is to fight for your rights and they even provide free consultation fees.

This way, you won’t feel very overwhelmed when life throws you the unexpected.

Popularity: 4% [?]

On Weaning Again

Now that little boy has turned two, I usually get a raised eyebrow whenever they see him nursing still. That’s why I try to limit our sessions when we are in public. I don’t have the guts to wean him. Maybe I will just let him tell me when the right time is.

I’ve read some articles about child led weaning and I’m leaning towards that. I don’t think they will be nursing for all time. Besides, this has forged a different level of closeness between us. I’m not sure how will our relationship be sans nursing. But I know that both of us will let go of it soon. In as much as it is beautiful, it will not go on forever.

And oh, I’m still waiting for my period to return. I don’t have my period still and it will turn three years on July. Maybe I won’t get it not until I wean. Anybody who got the same experience as mine?

Popularity: 10% [?]