June 2008
Monthly Archive
How to Tell if You Have Mesothelioma from Asbestos Exposure
Mesothelioma - Symptoms and Solutions
Symptoms of Mesothelioma can be latent in the body for years. And even
when the symptoms do become evident, the symptoms are so general that they can
easily be misdiagnosed. The symptoms of this disease can even be confused with
pneumonia during its early stages, making it difficult to diagnose. It is therefore
important for patients to inform their doctor if they have been exposed to asbestos
at any point
Types of Mesothelioma:
Pleural Mesothelioma and Peritoneal Mesothelioma are common forms of
Mesothelioma. The rarest form of this disease is pericardial mesothelioma
What are some of the symptoms?
Shortness of breath and chest pains are common. This may be accompanied by a
persistent cough. Those with Pleural Mesothelioma may also experience severe
breathing difficulty, weight loss and fever as well as trouble swallowing and even
swelling of the face and neck. Some patients may also develop a rasping voice and
start coughing up blood. However, there are other patients that may not show any
significant symptoms at all.
Patients with peritoneal mesothelioma can display abdominal pain and swelling,
nausea, loss of appetite and vomiting. They can also suffer breathing problems, and
chest pain.
Pericardial mesothelioma sufferers may experience chest pain, shortness of breath,
persistent coughing and palpitations.
What causes this?
With Pleural Mesothelioma the build up of fluid between the lining of the lung and
the chest cavity. This is known as pleural effusion. This type of the disease starts in
the chest cavity and can then spread to other parts of the body.
In patients with peritoneal mesothelioma the disease starts in the abdomen and can
spread from there. These symptoms result from tumours that lean against the
abdominal wall. Bowel obstruction, anaemia, fever and problems with blood clotting
may also affect peritoneal mesothelioma patients.
Pericardial Mesothelioma, starts in the cavity surrounding the heart. With pericardial
mesothelioma, the tumours grow in the tissues that surround the heart and can
spread from there.
For information on ways to treat Mesothelioma go to:
http://www.topmesotheliomalawyer.com/Mesothelioma_Information.php
Caterina Christakos is a published author and internet publisher. Her background is in marriage and family counseling and law.
Visa Or Mastercard: Which Credit Card Should You Apply For?
Should you get Visa or MasterCard? Is one of them better than the other? Will one of them help your credit rating more than the other? Many people ask themselves these types of questions when they think about getting their first credit card or additional ones. The fact is, few differences exist between the two credit card brands today, but you can benefit by having a better understanding of the two companies and using their competition to your advantage.
Just Who Are Visa and MasterCard
First, you should know that neither Visa nor MasterCard actually issue credit cards themselves. Neither company deals with consumers or merchants directly. Instead, they create and run the worldwide computer networks that process the billions of transactions that occur each day from people who use their credit cards at millions of merchants and ATMs. Both companies make their money from financial institutions to whom they license the ability to market the MasterCard or Visa system to consumers and merchants.
MasterCard and Visa have been fierce competitors for years, each vying to be faster and more global than the other, just like Hertz and Avis, and McDonalds and Burger King. Each time one brand creates a new twist on their credit cards, the other soon follows to match it. Both companies now offer nearly identical benefits, such as travel insurance, car rental insurance, product warranty extensions, and so on.
Furthermore, both cards are accepted worldwide by nearly the same number of merchants. MasterCard says its cards can be used at more than 23 million locations around the globe, including 1 million ATMs and other locations where cash can be obtained. Visa says its cards are accepted at more than twenty million locations in more than 150 countries.
In general, most merchants throughout the world accept both cards, or if a merchant takes only one of the brands, another merchant down the block takes the other. The point is, your chances of being locked out of eating or buying a gift or getting a hotel room because you have only one brand of credit card are usually minimal — other than at a few noted events where one card or the other may have negotiated to be the sole credit card to be accepted. But such instances are far and few between.
Which Card is Right for You?
Given the above, is one card better or more right for you? The best answer depends on whether it’s your first, second, or additional card, as follows:
If You’re Applying for Your FIRST Credit Card
In this situation, you can make a choice based simply on selecting which issuing bank you prefer to work with, or which promotional offer you like the most, without regard to the brand on the card. Perhaps you like Chase or Citibank or HSBC, or perhaps you like the 0% APR with no-annual-fee offer you found online. It’s six of one, a half-dozen of the other.
If You’re Applying for Your SECOND Card
In this situation, it is strategically smart to select the opposite brand card from your first card AND to choose a different issuing bank. The rationale for this is that when you have two different cards, you will find that the two banks will compete for your business (assuming you maintain good credit). You will get offers for 0% balance transfers, higher credit limits, and other perks as the two banks vie for your increased use of their card. And just in case you find a merchant who only takes one brand of card, you can now be assured of having all your bases covered.
If You’re Applying for ADDITIONAL Credit Cards
Many people apply for more than two credit cards because something specific motivates them to get a third or a fourth card. You may want a separate card to use for your business charges, or to compliment your airline frequent flyer program. In these cases, your selection is largely predetermined by whichever card has attracted your attention to fulfill your specific needs. You might even shop around among issuing banks to be sure you find the best offer, no matter which credit card brand stands behind it.
In short, choosing between Visa and MasterCard is no longer a frustrating question for anyone applying for a first credit card. You can’t go wrong with either brand. And if you already have a first credit card, it can be a very smart move to apply to get a second card from the other brand. If you treat your credit well, you’ll soon be having two (or more) banks begging for your business — and that’s a good thing!
Copyright 2005 Ed Vegliante. You may freely reprint this article provided the resource box remains intact with a live link back to http://www.credit-card-surplus.com.
Ed Vegliante is the owner of www.credit-card-surplus.com , a well organized credit card directory enabling the consumer to compare and apply for a variety of credit card offers including MasterCard and Visa credit cards. Find links to secure online credit card applications.
The Important Function of Car Air Filters
Studies conducted over the past two decades demonstrate that the exposure of the passengers inside a car to the dangerous air pollutants including respiratory irritants, neurological agents, volatile organic compounds (VOCs), carbon monoxide and carcinogens is significantly higher than that of bicyclists, pedestrians and public transfer riders.
Increased exposure to these pollutants can produce serious health problems. Benzene is a known carcinogen and VOCs are also likely cancer agents. Almost all the pollutants can irritate the eyes, nose, and respiratory systems of people exposed to them.
They also may hinder the development of fetuses and infants. Studies indicate that the elevated levels of auto exhausts can also suppress the immune system, making human beings more vulnerable to colds, influenza, and other respiratory conditions like asthma. Car air filters purify the air inside a car, allowing the passengers to have healthy and clean air to breathe.
Car air filters come in two main types: the panel style, as used on most fuel-injected cars, and the radial style, which are usually used on carbureted vehicles. A car air filter is enclosed in a black plastic casing near the center-top of the engine.
The air filter traps dirt particles, which can cause damage to engine cylinders, walls, pistons and piston rings. Changing car’s filters on a regular basis can have a significant impact on engine life and performance. A good rule of thumb is to change filters once or twice a year, or roughly once every 15,000 miles. Replacing a clogged air filter has two-fold impact on the engine: a fuel economy benefit: up to 10%, which makes for equivalent gasoline savings up to 15 per gallon.
Dirty and dusty driving conditions will require more frequent filter replacements. It is important to avoid using the wrong size filter in a car.
Nowadays, car owners are using ‘Nanotechnology’ based filters to improve cabin air quality. Such filters contain charcoal layers, which remove odors. These filters allow ‘mechanical filtration’, in which the fiber material of the filter with pores of a specific size will trap particles larger than the size of the pores. Almost 80% of the cars sold in U.S. include a built-in nanotechnology-based filter.
Air Filters Info provides detailed information on home, car, electronic, and HEPA air filters, as well as air conditioner filters and air filter manufacturers. Air Filters Info is the sister site of Air Purifiers Web.
World Of Technology26 Jun 2008 11:36 pm
Multi-Media Technologies Changing Lives For The Better
Multi-media technologies, are a meld of audio, video, and imaging software, used to capture, edit, store, and search, retrieve, transfer, distribute, and access information through multiple means. Hence - the term multimedia.
As these technologies become more advanced and versatile, they’ve enabled content creators to design and facilitate the presentation of information to new levels.
What about the audience? Today’s audience is highly sophisticated, with a bigger appetite for media experiences where fast motion, brilliant color, energy, textures, powerful sounds, and richer content are the order of the day, engaging their senses, and piquing their interest.
The good news is, the use of multi-media technology has gone mainstream. There are many websites which offer free and cheap downloads of multimedia programs to give anyone from the budding filmmaker, teacher, the lawyer, CEO, marketing whiz, and to the homemaker the ability to communicate their ideas, in vivid details, from the big picture to the tiniest details.
Indeed, these technologies permeate our daily existence. And makes it a fair question to ask. “Is there value to be found in using multimedia technologies?” Yes, and here’s why.
In today’s world, information has become the new currency, with many countries scrabbling to move heavily into an information-based society. Technologies such as multi-media software, give an added advantage to it’s’ users, providing them the tools to clearly convey ideas and thus, produce valuable content. That gives them premium importance.
Nevertheless, it may surprise you to know that not only has multimedia technologies revolutionized the way we live, work, create, but it has spawned new industries and killed old ones.
For instance, in the work place, these technologies provide office workers the means to communicate, and collaborate, with colleagues on the other side of the planet, from different time zones, through desktop video conferencing, shared workspace, and multimedia messaging. Companies in fact, purchase multi- media technologies, to provide the employees the ability to create, edit graphics audio and video files, and use these to create presentations, and other work related products.
For one’s entertainment needs, there’s a choice between movies or videos on demand, and pay-per-view, among others. In this instance, multi-media technologies give the consumer the freedom to select what she, or he wants to watch.
For audiophiles, there are many free and cheap software programs, which provide the users the freedom to select the file format, how it will be recorded, and where it will be stored. All you’ll need is a high bandwidth, and the pc equipment to record and capture the audio.
For serious gamer’s multi-media software have created stimulating new games, better quality special effects, richer playing environments, betting/gambling software, multiplayer games, and polling. These technological tools, have accelerated the growth of the video game industry, and expanded research for better computer graphics, simulation, modeling, and artificial intelligence.
Even if you were not a serious gamer, you would greatly appreciate the ability to download interactive video games, while you’re in your pajamas, in the privacy of your home.
Advertising has become intuitive, for as the differences between television and the internet continue to blur, advertisers have turned to interactive infomercials, to get consumers to buy. These tools allow advertisers to track the users’ preferences and create an infomercial especially suited to the users’ needs. Another nifty product is the virtual catalogue, where the customer can inspect the products before purchasing them, in the privacy of their home.
The use of multimedia technologies for home shopping, banking and financial transactions, telephony, medical advice, restaurant or hotel guides, is a commonplace activity for consumers.
Even the way we learn and package information from books, magazines, atlases, and newspapers has improved. One brilliant example is the educational CD Rom. Think about the fact that an entire 32-volume Encyclopaedia Britannica book set can be compressed into two cds.
In retrospect, one can see the world has benefited immensely with the use of multi-media technologies. It has brought humanity closer by making distance a non-issue, freedom of choice a reality and the conveyance of ideas, more precise.
For your own personal multimedia file usage, please visit http://www.multimedia-downloads.com for all your audio, video and imaging software needs.
This article has been prepared by www.articleauthors.net and is being used exclusively to promote all the multimedia file utility needs you could possibly want at: www.multimedia-downloads.com
World Wide Web Sports Gambling — a Primer
Tie together men’s ultimate leisure actvities and you are sure to bare a trend called a sportsbook wagering Web property. Well, what could ever be more imaginative… If you imagine a gathering of dudes cheering on a given home club, and constantly bets will be advertised tied to the ruckus. So keen to catch some of the delights, spectators recurrently seek to presage who will make it the coming meetup. In the end, this all eventually turns into a sociable little meetup termed sportsbook wagering Web property. Avery antagonizes Brodeur to very end
Alright, it may easily seem a craving but in point of fact sportsbook betting is really only an amusement and of forging a bond with your friends. Here, you’ll be able to wager a a little amount of loot and nevertheless have an extravagant time. Beyond this, here are a number of basics to get going sportsbook betting.
To place any wager, you should drop by at a sportsbook wagering Web property, i.e. a place that tenders sportsbook wagering Web property. In the U.S., you have four states where people can do sportsbook betting in a lawful manner, but informally you may go for it anyplace provided you locate a bookie *and* happen to be a legal adult. Among the games you’ll have a choice of wagering on are professional together with college league basketball and football, professional hockey, professional hockey, together with dog and horse racing. You’ll have a choice of wagering on the global combined score of a contest, on what round any given opponent will go under, and even if a given tossed coin in a contest will come down either heads or tails.
The bookmakers depend on stats to aid you judge which club you think will make it. First, there’s the spread, that is to say point lead assigned to a disadvantaged contestant anticipated to go down by a defined number points. Of Course, this describes the bookie firm’s approach of enabling bets for a sports book. For instance you may choose to risk money on a lineup anticipated to go down and and nevertheless make money on that bet provided the contestant is beaten by a defined number of points.
You’ll find plenty of so many differing styles of bets- straight, teasers and plenty more, the straight bets being the dominating one in sportsbook betting. So why not have a stab at it and enjoy the fun at one fell swoop… Just make certain that you won’t get gripped and squander your entire retirement fund on a crotchet! Otherwise could be you will be caught bewailing it till the end of your days!
Plugging Things23 Jun 2008 04:31 am
Science of Advertising and How to Benefit From It
It is very important to realize that persons buy from you. It is the mind at other end of the internet who will decide a sale from you. Thus it is very essential to know how your customer’s psychology works.
What is the process that goes in the mind who reads your promotion? An understanding of the whole process will make you achieve your goals and build your business better.
Many a theories have been developed to explain the process when person views advertisement and then goes for sale. It has been charted and every model points to one thing in common.
The process is not instant. It is sequential.
Anybody who has been marketing on the net must have come across AIDA. It is the simplest advertising model that in short stands for
-Attention
-Interest
-Desire
-Action
This model suggests that advertising must gain customer’s attention, arouse the person’s interest followed by desire for the product and stimulate the action towards the purchase of the product.
This explains and guides how to formulate your advertising. Successful marketers have followed AIDA for generating successful advertisement campaigns.
AIDA is good but is not that well defined. Another model that has gained popularity and is more comprehensive than AIDA is DAGMAR. Its steps are more defined and thus easier to apply than AIDA.
DAGMAR stands for ‘Defining Advertising Goals for Measured Advertising Results’.
It maintains that all advertisement aiming at a sale must carry the potential customer through four stages.
-Awareness
-Comprehension
-Conviction
-Action
Let us assume that you have a product and your target customer is totally unaware of it.
So in first stage you make him aware of the product. For example posting an advertisement on a high traffic website.
Second stage is comprehension. What is your product about? What are its potential benefits and features? How can your customer get it? This is achieved when your potential customer clicks your posted advertisement and reaches the page that contains details of your product.
Next is the stage of conviction. This is very important stage. You need to convince your customer about benefits of your product. Testimonial for your products is an excellent tool to achieve this stage. Visible proof or evidence is another great tool. But be genuine or this won’t work in the long run.
After he is convinced with your product, your potential customer enters into stage of action. This may involve a request for further details, ordering a trial offer if available or the actual sale itself.
Whatever model you may use to build your campaign it must be remembered that a sale is not an instant process. On the contrary it is sequence of the events that your potential customer’s mind goes through. Each stage has to be preceded by the previous. Each one is essential and crucial for a successful sale.
That should remind that instead of running a ‘Buy Me’ advertisement concentration should be on making the flow in the advertisement that begins with introduction of what you intend to sell and why people should buy it.
Use the science for your benefit and see the results.
Wish you success.
Copyright © 2005 Arun Pal Singh
Arun Pal Singh, a successful marketer and writer offers a unique and duplicable business opportunity at http://www.homeforprofits.com To avail his free Income Course e-mail to homeforprofits@getresponse.com with subject ’subscribe’
Life Of Health21 Jun 2008 09:50 pm
Discover the Signs of Baldness
The correct word for having your hair fall out is alopecia. The very most complained type of hair loss is male pattern baldness and targets traditionally over a quarter of chaps and ladies. This type of baldness is traditionally permanent.
Permanent hair loss comes in 3 ways. Male pattern baldness might well occur in the extraordinarily early years of a males life, with hair loss beginning as young as twenty years old. The typical first symptoms might well include loss and baldness of hair surrounding the top of the head and don’t forget at the forehead. The result may be partial or full total baldness.
Female pattern baldness is similar to male pattern baldness resulting in permanent hair follicle loss and baldness. This sort of hair loss is often developed after a mother gives birth to her child. The hormone imbalance creates hair loss although girls do not commonly experience total hair loss.
The last kind of permanent hair loss is by Cicatricial. This happens when inflammation in the scalp starts scaring and the hair follicles fall out forever. The person might lose hair in different sections, or even spread all over the scalp.
With forever hair loss the outstanding solution for lots of girls and guys can be to get help from a baldness studio in order to gain back hair follicles. Check out the latest hair loss treatments at Advanced Hair Studio.
Sports Resources21 Jun 2008 06:14 pm
Wrestling Trophies
The sport of wrestling has ancient roots. From Greco-Roman times to the World Wrestling Federation matches televised regularly, wrestling has kept viewers entertained and amused for centuries.
Wrestling is admired for many reasons. It can be a fun game or a serious win-or-lose competition, a commercial profit-making interest or a way to gain status. This is a weapon-free game, and the human body is used as weapon of combat.
There are different styles of wrestling. The main division is between amateur and professional wrestling. Amateur is widespread worldwide and has two types in the Olympic GamesGreco-Roman and freestyle. Freestyle evolved from the English Lancashire form. A similar style is called collegiate or folk style, and practiced in high schools and colleges in the U.S.A.
In amateur, freestyle and Greco-Roman differ in what holds are permitted. In Greco-Roman wrestling, wrestlers are permitted to hold and attack only above the waist. But points can be scored in both by following actions-takedowns, reversals, escapes, exposure, lifting and penalty points. A match can be won by period format, win by fall, win by technical fall, win by decision, win by major decision, and also win by injury. Illegal moves in amateur wrestling include biting, pinching and poking with the fingers, strikes, joint attacks, chokes, strangulations, suffocating, spiking, and attacking the genitals.
The most coveted wrestling trophies are those of the Olympic Games. The countries with leading wrestlers in the Olympic Games are Iran, U.S., Russia, Bulgaria, Hungary, Sweden, Finland, Turkey and the former Soviet states. In the United States, collegiate or scholastic wrestling is practiced as a school sport. The Dan Hodge Trophy is awarded to the outstanding College Wrestler of the Year. It was first awarded to T. J. Jaworsky of the University of North Carolina in 1995. The trophy is named after Danny Hodge, an outstanding wrestler from the University of Oklahoma from 1951-1954.
Professional wrestling is any tourney where wrestlers receive payments for participating. Historically, professional wrestling has involved matches with predetermined results. American professional wrestling is a performance art in which the wrestlers create an entertainment show by simulating a combat sport. Though it started as a sporting event, it dropped all pretensions of such and declared itself to be a purely entertaining starting with the World Wrestling Federation in the 1990s. It eventually changed its name to World Wrestling Entertainment.
Whether to entertain or amuse, wrestling trophies are sought after as they represent awards for fitness, agility and strength.
Trophies provides detailed information on Award Trophies, Baseball Trophies, Custom Trophies, Football Trophies and more. Trophies is affiliated with Award Plaques.
NYC Moving Advice
Crimes, scams, and untruths are as common in the moving business as elsewhere. Each year thousands of complaints are registered with DOT and are awaiting justice. Moving is a business in which there is tough competition and there are many movers that are not reliable and whose operations are suspect.
Bad movers are those fly by night operators who conduct their business without proper infrastructure or licenses. Common scams in practice are tricking you to selecting them by giving a low quote and then using loop holes in the contract to get you to pay at least 3-4 times more than the estimated amount. If you refuse to pay your consignment will never reach you. Other bad business practices are sub-letting the assignment, not carrying enough insurance, refusing to pay for damages, and not coming through with the services promised.
Be prepared to lose your consignment, to paying more than estimated, to suffering breakage, and frustration created by tardy service. Inexperience movers also hire workers who are not trained in expert packing or moving techniques. Some movers’ change their contact numbers and addresses so often that you just cannot get in touch with them. Don’t be surprised but when your goods are weighed the weighing scales are most likely to have been tampered with such that your goods will weigh much more and as a result you will have to pay a larger bill.
If you read a mover’s contract carefully you may come across terms like accessory services and such these are loop holes which the company uses to make sure their profits are larger. If you find out from the market what packing materials cost wholesale and retail you may find that what you are paying the mover for packing materials is a “big” mark up.
Sadly there are no regulations or stringent laws that can keep movers in check, so often the bad NYC movers outnumber the good ones.
NYC Movers provides detailed information on NYC Movers, Bad NYC Movers, Flat Rate Movers In NYC, NYC Piano Movers and more. NYC Movers is affiliated with New York Piano Movers.
Credit Infos17 Jun 2008 10:51 pm
Rebuilding Your Life After Bankruptcy; Don’t Cave to Holiday Pressures!
There’s something about shopping during the holidays as I watch consumers being attacked by exuberant cashiers pushing their store’s credit card that gets me concerned for those trying to build a solid life after bankruptcy.
These clerks seem to be unaware of how careful individuals have been all year to build their life after bankruptcy; by watching what they spend, and how easy it is to go over budget. Offering a “credit rebuilder” a new card is like offering a recovering chocoholic a gooey double-fudge brownie supreme.
The holidays bring about mixed feelings among my clients: joy, anxiety, fear, sadness….not any of it relating to the reason for the season.
Rebuilding your credit and creating the life after bankruptcy that you desire is a difficult tightrope balance between moving forward with your life and not ruining the upward progress of your credit score.
Holidays mean gift-giving gatherings with sometimes hundreds of people, if you total them all up. Pressure rises when the office party committee asks us to pitch in for gifts for management.
Your head starts spinning when you think about how your extended family has grown and how they will all exchange presents Christmas Eve at your house this year. You finally feel the wind knocked out of your sails when the cashier tells you that you can save up to 25% on your purchase if you apply for their wonderful store credit card.
Just remember and keep this thought at the front of your mind…creating the desirable life after bankruptcy is the objective, not the savings of 25% that is surely to be out of our original budget anyway.
As someone who has recently discharged a bankruptcy and is trying to rebuild life after bankruptcy as well as create a high credit rating, should you respond to such a sweet, seductive offer? (Twenty-five percent off purchases, after all, would give you the extra money to buy Aunt Millie that deluxe food steamer!)
But here’s what I teach as a financial counselor from Credit Is Key: though it is much easier said than done, do NOT apply for any credit cards during the holiday crunch.
Every financial move should be the result of planning and preparation for your life after bankruptcy - not suddenly caving in to pacify the salesclerk - or Aunt Millie. If you say “yes,” then the store will make an inquiry on your credit.
Did you know that even a couple inquiries will actually hurt your credit?
Rebuilding your life after bankruptcy requires inner strength. A strength you have been nurturing and growing since your discharge. A strength that is given a boost by having a specific goal in mind and a planned strategy in place; building a wonderful credit rating to enjoy your life after bankruptcy.
Help yourself! Instead of falling into the “get-a-credit-card-and-reduce-your-spending” trap, try these ideas for holiday savings — without inquiries or damaging rejections. Always remember the objective…improve your life after bankruptcy by improving your credit rating!
• Let’s get back to sweet Aunt Millie. Do you really think she cares what gift you give her? Your friends and family care more about you, your life after bankruptcy and your financial future than any gift you could bring. Aunt Millie would be delighted with any small token of affection and would much rather have a visit from you than to have you depressed or bankrupt again.
• Christmas cards are expensive, consider sending e-mail greetings or holiday cards.
• Many people would rather have an old-fashioned, hand-made gift than an expensive gadget. Consider these hand-crafted, thoughtful options:
- Frame your favorite photograph of you and the recipient; group several snapshots in an inexpensive frame. Your life after bankruptcy is much more important and this gift lasts forever.
- Instead of buying each other gifts, go out to lunch or dinner together.
- An alternative to giving every member of your family something is to suggest doing a “Secret Santa” gift. Each person buys just for one other person, instead of a whole family. Remember, creating your ideal life after bankruptcy does not have to be an “ordeal”, the Secret Santa method is fun.
- Celebrate the winter holidays with a holiday “spending freeze.” Set a limit, remain committed to your life after bankruptcy and don’t go over it. Agree to keep your spending at this level for the next several years. Part of the joy is in which friend or family member can be the most creative or find the most interesting gift for under $10.00. (Talk about friendly competition! You’ll probably laugh a lot more than if everyone had given fancy, store-bought gifts!) You see, creating your ideal life after bankruptcy does not have to be boring.
- If you can cook, present a coupon for a delivered dinner or casserole on a certain night. Send cookies in February or a cake on a birthday. (Sometimes people need and appreciate these things more at other times of the year than they do at Christmas.)
- If you’re creative, call a day with your family to make presents; handmade stationery or notecards, hot chocolate or spiced tea mix, painted t-shirts, or slippers embellished with buttons, ribbons, or initials, embroidered dishtowels, or create a scrapbook of family stories and quotations. Many clients gain huge perspective during their life after bankruptcy regarding the true meaning of holidays.
- Instead of buying a lot of unnecessary items, buy each person one nice gift. (You’ll be surprised how those tiny little “filler” presents add to the budget!)
- A family favorite, even if you aren’t trying to stay within a budget, is to create a “Gift Coupon Book”, regardless of your life after bankruptcy commitment. In it you can entitle bearer to free breakfast in bed, a leisurely Saturday without kids, and even ‘wildcard’ coupons that let the bearer fill in the gift.
Make sure you know your receiver well if you intend to include the last category!
The offer to get a credit card may be appealing, but in the long-run, enjoying the holidays, your family, (especially that sweet Aunt Millie!) your friends, and knowing you stuck to your plan of rebuilding your life after bankruptcy, control over your finances, is much more rewarding than a smile on that cashier’s face.
For those needing their own strategy to rebuild credit and their life after bankruptcy, join the Credit Is Key membership website. Members enjoy access to many life after bankruptcy rebuilding resources, including a FREE e-course on strategies to quickly and effectively rebuild your damaged credit.
Join the Credit Is Key membership website and receive a FREE e-course to use our proven strategies to rebuild your credit and your life after bankruptcy. Click now to rebuild your
life after bankruptcy.
http://www.creditiskey.org
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