Yearly Archives: 2021

Single Woman Travel That is Safe and Fun

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“We live in a wonderful world that is full of beauty, charm and adventure. There is no end to the adventures we can have if only we seek them with our eyes open.” So said Jawaharial Nehru.

“Twenty years from now you will be more disappointed by the things you didn’t do than by the ones you did do. So throw off the bowlines, sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover,” So said Mark Twain.

In the spirit of Nehru and Twain, let’s dream a little here about single women travel.

Traveling alone intimidates most of us. But with the right combination of “throw all to the wind” exuberance and careful planning, traveling alone as a single woman can be fun, safe and memorable.

Here are a few travel tips for single women.

Let’s start from the beginning, right when you are planning your trip.

Preparing for the Trip

1. Determine whether you want to travel solo or with a woman’s travel club, of which there are some good ones. Do an online search for “women travel clubs.” Better yet, get a recommendation from a friend or acquaintance.

2. If you go solo, and once you know your travel dates, register with the State Department. Go to their web site and click Travel. On that page you will find “Register Your Travel.”

3. Make copies of all your important identification, tickets, and itinerary and keep them in a separate place from the originals. Give your family and friends a copy. They should know places, dates and contact information for every place you will be.

4. If you are taking medication, make sure you have enough for the duration of the trip and for the few days upon arriving home. That will give you time to refill your prescription.

5. Visit a travel supply shop or browse online. Sometimes you will get ideas for items that will enhance your trip, such as mosquito proof clothing, water purification, and hand wipes.

6. Buy travel insurance. For as little as $1 a day, you can get emergency medical care, medical evacuation, access to board certified doctors, reimbursement for lost luggage and travel delay, among other things. Travel insurance is the best thing you can give yourself – after, of course, the trip itself.

During the Trip

A woman traveling solo can practice safe travel. Here are tips:

1. Be culturally sensitive to the way women dress and behave in public, especially in Muslim countries. Locals will appreciate your efforts. You honor them by keeping to their “house rules.”

2. If you don’t want to lose it, don’t take it. Leave your good jewelry and expensive items at home. It’s best to keep money on you in a concealed pack.

3. Use your instinct! Stay away from deserted areas; don’t go far from your lodgings at night and only in well-lit and frequented spots.

4. Check into reputable hotels – even though you may have to pay more. Usually go with a recommendation. Bed and Breakfasts are usually safe. Again, go with your gut instinct.

5. Memorize the local emergency contact information. For example, in Italy their “911” is 113. Road side assistance is 116. For emergency numbers in other countries visit this website: www.sccfd.org/travel

6. To avoid unwanted attention, wear a fake wedding ring and avoid eye contact with men.

The best advice

Enjoy your travel by making friends along the way. Someone once told me, “Your new friends are better than police. They will look out for you.”

For my part, I travel not to go anywhere, but to go. I travel for travel’s sake. The great affair is to move.” Robert Louis Stevenson

5 Ways to Save Money on Tech for College

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TV on the Internet

After the honeymoon price of $30 for the first six months ends, you can pay $60 a month for 80 channels, and that’s not including Internet, priced around $60 a month; now you’re looking at $120 per month. The good news is, you can save up to $900 a year by choosing Internet-only service on a wireless router to catch shows on Hulu and TV station websites.

Savings per year: $900

Laptop vs. iPad Smackdown

For the cheapest iPad (16 GB), expect to pay $500 -add $130 if you want 3G. The data plan also costs $15-$25 per month. Alternatively, you can buy a netbook for around $300 with more of everything: a 10-15-inch screen; a 250-500 GB HHD; a 1 GHz or better CPU; 1-4 GB of RAM; and 10 hours of battery life.

Savings: $200

I’ll Take the Double-Camera Music Phone Combo

You can save yourself the cost of four separate devices by purchasing one 4G iPhone. For $200, you get a smartphone, an iPod, and a 5MP photo & HD video camera -not counting the built-in GPS.

iPod: $150; Photo Camera: $150; Video Camera: $200

Savings: $500

Flash Drives Can Save You

For under $20, you can grab an 8GB USB flash drive for essential files. It can save you the price of an external HHD, DVDs, and even a netbook.

160 GB HHD: $75; 50 DVDs: $22; netbook: $300

Savings: $377

B&W Laser Printers

For $150, a B&W laser printer can print around 3000 pages per toner cartridge and last around two academic years. Inkjet color printers (also $150) only print around 300 pages on one black ink cartridge (avg. $30), and you can easily use five in two academic years. With a B&W laser printer, you can save $150 on ink alone.

More money in your pocket is always a good thing. Saving money and using the latest tech is even better.

Betting on Sports – You Need to Know!

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Over the last few years betting on sports has gain popularity. There are many sports where you can place you bets. Though earlier it was famous for the horse race only. Further more, with the use of the Internet bets on different sport events have become even easier. You do not have to go anywhere and by using online sport betting websites you can place you bet anywhere and on any available game. There are different companies which also provide help by offering various betting services.

The online betting companies provide sports books which have detail statistics about all the events, players and team. Besides this you can also use betting system for betting on sports. These are specifically designed system for betting. These are developed by experts, in this field. The main core of betting system is based on the statistical data. So it is recommended if the developer has a degree form some reputable institute in relative field. You can also evaluate the working of the system by monitor the betting on sports by the developer himself and the money he has won. There are betting handicappers which also provide help to pick you bets. These handicappers maintains their reputation and are successful some 50% to 60%. Their advices are good but remember, it’s your bet so the final decision must be yours. To be success in betting on sports you need to have a lot of knowledge and experience on relative sport for which you want to place the bet.

The betting on sports has given employment to many people. For some time the public view regarding sport betting has also been changed. It is the industry which gives reasonable tax revenue to the government and is regulated continuously. This strict regulation is because of the presence of illegal better who place unethical bets. It is good if you do a little research and see if the company you are dealing with is licensed and legitimate.

Do You Want to Live in a Growing, Fast Paced City? Buy Some Dallas Real Estate and Move to Dallas

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If you are the type of person that loves the city and wants to live in a rapidly growing city that has all of the great things that cities offer without the negatives like high crime and high prices then you should buy some Dallas real estate and move to Dallas.

Dallas is one of the most rapidly growing cities in the country. Lots of new businesses from several different industries are moving to Dallas to set up shop. Dallas is becoming a hub for technology businesses and there are lots of opportunities for people that want to start a new career or find a new job in an exciting new city.

Best of all, since Dallas hasn’t totally taken off yet the Dallas real estate market still has a lot of great properties for sale that are reasonably priced. You could buy some great commercial Dallas real estate if you’re looking to open your own business or you could get a great deal on residential Dallas real estate if you just want to move to the next big, happening, hip city. Dallas is quickly becoming a hotspot for young professionals who can’t afford to live in cities like LA or New York or don’t want to spend most of their earnings on the high rents that they would pay for even a small apartment in those cities when they can find jobs that are just as good in Dallas and they can actually buy Dallas real estate for the same price that they would pay to rent a tiny apartment in a bigger city.

There is a lot of opportunity in Dallas for young professionals that are trying to make a name for themselves or mid level professionals that want to live somewhere that has a lot to offer culturally but where they can afford to buy a nice house and settle down. With the low cost of Dallas real estate almost anyone can afford to buy some Dallas real estate and get settled which is one of the big draws of an up and coming city like Dallas.

If you want to live in a fresh exciting city without the high cost of city living then buying some Dallas real estate and moving to Dallas could be just what you need. If you are going to look for some Dallas real estate it’s probably a good idea to contact a Dallas real estate agent. A good Dallas real estate agent can find you a nice home or an apartment in your price range in a good section of town to fit your lifestyle.

If you’re a young, single professional then maybe a sleek downtown condo or apartment would be the best Dallas real estate for you while a married professional with kids might be looking for a stately old farmhouse on the edge of town that has a nice yard and room to add more kids down the line. Whatever you’re looking for a qualified Dallas real estate agent can help you find the perfect house to suit your needs.

Pet Exercise Pen – The Best Gift To Give Your Pet

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A pet exercise pen is essentially made for just about any type of animal. Most people are under the impression that they are specially made for small puppies or dogs. They do come in very handy for these particular pets; however they can be used to contain animals such as pigs, rabbits, and birds, just about any small or medium pet. You can also find pet exercise pens for larger pets as well.

You can purchase the panels to make a pen of the desired size. Most of them are made up of panels that are attached together to for a pen with multiple sides. You can choose to arrange them in the shape you want whether octagon, square or rectangle. You can purchase the panels in various height and most of them are coated with black or gold zinc finish.

You should know a little about your pet before purchasing a pet exercise pen for him/her. Note his jump ability. If your pet does not jump very high then you would not need such a high pen. Also consider if you want your children to be able to step over the sides to pet your animal. Also if you wish to keep your kids out of the pen then you should consider the height you wish to purchase.

If your pet is soft mannered or more aggressive this should also be taken into consideration. Does your pet love to chew on things? Then you should look for a more durable pen. Look for a pet pen that does not have any sharp edges or whose outer coating will not peel.

Are you looking for an indoor pet exercise pen? Then you should place something on your floor underneath the pen to protect your flooring or carpet from any accident that might occur. For external use make sure your pet pen comes with anchors that will enable you to anchor it securely to the ground. And never place your pen in direct sunlight, Look for a shaded area to place it.

You should never leave your pet without supervision for a long period; however these pens are great for keeping them secured. Also ensure you place adequate water and food inside the pen for them and leave a toy that they can play with.

A pet exercise pen will give your pet many benefits such as being able to interact with the family while being in his own little space. He can play, exercise and still be a part of family activities without getting into any mischief.

A pet exercise pen is a great item that will benefit both pet and their owners. Make sure to select one for your loving pet today.

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Christmas Loans – A Gift on the Occasion of Christmas

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It is still a few weeks to Christmas and every one is already up with demands. Little Mary, ever eager to add to her collection of dolls, wants the latest in the Barbie series. Eric who is a couple of years elder to her wants to be left no further. He is insisting on a bicycle. Helen, your wife has invited a multitude of guests for a sumptuous dinner on the auspicious night, and thus needs a part of the festive budget to be assigned for that purpose. You too would have participated in the celebrations with gusto to match that of your family, had you not been troubled at the turn your finances are taking because of these expenses.

Christmas loans can lead to an end to these perturbations. It is more convenient to pay for the Christmas festivities through a Christmas loan rather than through ones monthly income. Savings for the day starts much before the day actually arrives. In the process, many needs are curbed to make way for the savings.

However, statistics reveal that the savings are seldom able to help with the Christmas payments. About a third of the British population falls in debts because of unheeded expenses during Christmas. It is hard to not to be spending when the entire populace is on a shopping spree. So, why not use a Christmas loan for the purpose.

Christmas loans allow an easy disbursement of the bills incurred during Christmas, but without prioritising the finances. A Christmas loan drawn to make the payments as they come will be a better idea. The individual knows his limits and would seldom try to cross the limit by spending more. The borrower applies for the loan beforehand so that he can get the money on time.

Being in possession of the money increases the bargaining power of the borrower. This is visible in the choice that he has in expending the amount. The borrower is not obliged to spend the entire amount on Christmas festivities. He can save the whole or a part of the loan for being used for purposes like debt settlement, home improvements and such other purposes as may be desired.

Those who are already in debts and feel that they missed the bus by not taking Christmas loans are not too late. Christmas loans are available for them too. They just have to add the total payments that are due from them and apply for a Christmas loan equivalent to the amount.

The ease in disbursement of debts is not the only point that works in favour of Christmas loans. Christmas loans are not the only finance option available to the residents of the UK. It is because of a better interest rate that counts for the popularity that Christmas loans enjoy for this purpose. Loans in particular have a lower rate of interest. Christmas loans being no different from the regular loan charge at the standard rate of interest. Lenders sometimes offer festive discounts to the borrowers. A festive discount cuts the interest rate by a few percentage points. The borrower is charged at the discounted rate. However, the discounted interest rate lasts for a period of five years. Beyond this period, the borrower gets charged at the standard variable rate.

Repayment of Christmas loan is hardly a matter of concern. To make the payment easy and convenient, loan provider agrees to receive payments in small instalments in a certain period. In fact, the interest is charged to compensate the loan provider for the time for which the loan amount has been blocked. Thus larger is the period of repayment, greater will the cost of Christmas loans be.

Payments through small instalments allow the borrowers to accommodate the monthly repayments in their monthly salary. In order to make the repayments less burdensome, decision on this count is made with the consent of the borrower. If available with the lender chosen, the borrower may demand for repayment through methods other than the one mentioned above. A few people pay the entire loan in one single instalment and thus save by way of interest; others pay only the interest during the term of the Christmas loan and the balance through a balloon payment at the end of the term. The method of payment must be chosen with adequate considerations.

Thus, can there be a better potion for rejuvenating your finance for the coming New Year as Christmas loans. No, if preference surveys are to be believed. Christmas loans is adding gradually to its popularity and becoming the choicest finance option of the British residents for Christmas related expenses.

7 Keys to a Successful Lifestyle

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Growing up as a young boy, my mother always told me if you want to have things in life, you must have faith and believed tin order to achieved success in life.

At the time I didn’t really believed in what she was talking about in my case. Gradually over the years I have truly come to believe in what my mother was telling me.

Every one of us wants something in life whether it is homes, food, water, cars, love, happiness, money and respect. having a successful lifestyle means more than enough it’s about living a lifestyle of freedom. This understanding came to me after I had determined what I really want for my life. I had to really take a look at my purpose; and one I found out what it was, it became a passion to fulfilling it.

So my question to you is simple; What is it that you want in life? It’s time to start thinking about your life, it time to start fulfilling your dream and create success in your life.

Commitment is an act of blinding yourself, intellectually or emotionally to a course of action. What are you doing with your life; are you living you’re out your dreams; or are your satisfied of where you are now in life. If you are committed to your dreams, then well done you are on the road to success.

If you are going to have a successful life, you need to first have a dream. Carl Sandburg say’ Nothing happen unless first dream. If you really think about that for a moment, it’s true. If you don’t have a passion to do something, then it will not happen. Mark Elliot Zuckerberg the creator of Facebook had a dream.

Sam Walton Founder of Walmart had a dream.

Warren Edward Buffett is an American business magnate, investor and philanthropist. He is the most successful investor in the world who had a dream.

Once you have a dream, take action and stay committed. absolutely commit yourself to your daily achievement.

Being Open Minded is willingness and readiness to receive ideas. Some people may call this Law of Attraction it is being receptive with the manifestation of your dream. New ideas and opportunities will be drawn to you in the achievement of your dream and passion.

People will tell you it won’t happen and it will never work, this is your dream and nobody else, so continue to be open minded to the idea.

Persistence is refusing to give up. especially when you’re face with opposition or difficulty, continuing steadily on course. Your persistence is what drives you to take the next step in your journey of creating success. Your persistence is what prevent you from getting discourage and given up on your dreams.

When you are face with obstacle and downfalls your persistence will determine what you will do next, whether you will give or keep on going. Persistence is valuable to your success.

Flexibility is being able to adapt to change and demands on your journey of success. Your willingness to change something in your life is what you are doing right now.

Continually changing your approach of finding out what really work and what doesn’t work, sometimes you will come across something that may work for other but not for you. finding out what works for you is your key to success, flexibility will play an important part on your journey.

Faith is strong beliefs in something without proof or evidence. There are some people that will tell you that you will never, or cannot achieve your dream. Those are the ones who had a dream but settle for less. Their pass failure will try to embark on your passion. They no longer believe in their dreams.

That’s why you need faith – a deep-down belief that, regardless of the evidence, you are going to make it! You are going to achieve what you have set out to accomplish. You are going to make a difference in this life.

Thankfulness is a positive emotion of feeling, it’s an attitude toward many things in life. It may be difficult, at first, to see exactly how thankfulness, or gratitude, can be such an important key to your success, but by seeking to maintain an ‘attitude of gratitude’ you are indeed tapping into the timeless laws of success.

Many people talk about what they don’t like about a certain thing in life, maybe the boss at work, or company, friend or neighbors, but what they don’t realize they are attracting negative thing in their life. on the other hand, by having an attitude of thankfulness and gratitude impact your general outlook on life. Being thankful you began to attract positive things in your life. Every day I wait up I’m thankful of what I have achieve in my life.

Thankfulness is an attitude and an important key to success. It is an attitude we all need to learn to acquire – particularly when we feel we are in difficult circumstances

Passion is your heart desire to fulfill your deepest desire of accomplishing your success. Passion is being devoted to your goals. To really achieve success in life, you must be bold enough to go even higher: This means becoming the person you were meant to be; and living the life you were meant to live.

You are truly a special person, and you have a desire to change something your life.

Don’t make the mistake others have made in life. This is your life It time to live out your dream.

Copyright Laws

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If you are a writer or creator of any type of work, it is important that you know the laws regarding copyrights. In recent years, copyright laws have been receiving a great deal of attention. With the increased amount of attention placed on copyright, breaches of copyright are becoming a serious violation against the law. If you are looking for more information on copyright laws, this article can help. Throughout the article we will discuss what the copyright law is, as well as some other things you should know about copyright laws.

For those who are unaware, let’s begin our discussion by defining copyright. Copyright is a law that gives an author (of an original work) exclusive rights to the publication, production, and sale of their piece. This law prevents people from using materials that have been created by others. It is applied to a wide variety of works including, but not limited to, literary work, dramatic work, musical work, and artistic work. Anyone who violates a copyright law and publishes, reproduces, sells, or displays the work of others as their own, is subject to a large legal penalties.

So, now that we know what the copyright law is, let’s speak about a few important things you should know about the law. The first thing we will speak about is the copyright sign. Many unique works are labeled with a © to let people know that they are protected by copyright laws. There are, however, some works that are protected and that do not have the copyright sign attached to them. If you are unsure whether something is copyrighted or not, you are best not to publish, produce, or sell it. Doing so could result in many unexpected, severe legal penalties.

One issue surrounding copyright that is gaining an increasing amount of attention is the reproduction of music and movies. Many people believe that it is not illegal to recreate the work if they are not selling it. This is a huge myth about copyright. Whether you sell a recreated piece, or give it away, you are violating the law. It is also important to know that you cannot base your own stories on another’s work without their permission. For example, you cannot use Batman in your own story without permission from the creators of Batman.

So, copyright protects works from being reproduced, but is there ever a time when you can use another’s work? Yes! You may use another’s work if you are given their permission to do so. You can also use small subsets of another’s work as long as you give them credit for it. For example, if you are writing an article or essay and would like to use information from another source, you can do so by citing the source and giving them credit for the information.

Violations of copyright laws are very serious and can have penalties ranging anywhere from $500 – $150 000 depending on the severity and damages caused by the violation. To be sure that you are never accused of a copyrighting violation, try to avoid using other people’s work altogether. If you must use a small subset of their work, make sure to cite it and give them credit for the information. When it comes to copyright laws, it is better to be safe then sorry. Never publish, reproduce, sell, or give away the work of another without the permission of the creator.

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Is Investing in Gold Hype or a Great Idea?

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Gold makes a great investment these days. It seems like the unstable economic conditions of the last couple of years have only made gold trading that much more enticing for many people. There are a lot of people who are arguing that gold is the best investment that you can make these days, and it can be hard to believe whether or not all of these voices are being honest. After all, when there are a lot of people who are all in favor of the same type of investing, it can be hard to evaluate whether or not it really is a great investment opportunity, or whether it is nothing more than a lot of hype. So let’s briefly look at whether or not gold really is such a great place to put your money.

One of the biggest questions people ask about investing in gold is whether or not it will make them as much money as investing in other asset classes will. For example, everyone knows that you can make a ton or money when investing in stocks, but not everyone knows whether or not you can make a ton of money investing in gold. The short answer is, yes you can.

But let’s talk about the long answer to that question. Part of the reason why you can make so much money investing in stocks is due to the fact that they can be so volatile. A stock can make you a fortune overnight, or it can make you lose all your money in an afternoon. Stocks can grow massively over time, or they can slowly grind your investment portfolio down to bankruptcy. They can be powerful vehicles for making money, but only because they can also be powerful vehicles for losing you money.

On the other hand, gold is an incredibly stable form of investment. There is little to no risk that you will ever lose a substantial amount of money investing in gold, and there is actually very little risk that you will lose ANY amount of money investing in gold- especially if you are treating gold as a long term investment.

Yet, this stability also means that you probably aren’t going to see the same meteoric and blisteringly fast rise growth of your investment portfolio that you can sometimes see when you invest in stocks.

Now, it is possible to make a lot of money from gold. People who invested in gold a decade ago have seen an incredible return on their investment as the price of gold has grown tremendously over the last 10 years. This rapid rise seems to be over though, as the market has stabilized. That’s not to say that there won’t be many more opportunities for the same level of sustained and significant growth, but it’s unlikely to occur any time soon.

So does that mean you shouldn’t invest in gold? Not at all. Gold really is one of the best investments out there. Those people who attempted to get rich quick investing in highly speculative stocks that had the potential to skyrocket have seen their portfolios bottom out over the last couple of years. Stock trading is nothing more than gambling, but intelligently purchasing gold is as sure an investment as you will ever find.

Insurance Broker Benefits

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When most people have the Internet at their fingertips, and there are so many options for purchasing insurance, is it worth working with an insurance broker?

The short answer is, yes. An insurance broker is someone who represents you, not the insurance company. A broker will be able to provide you with quotes from various companies. They will also have the expertise to assist you in comparing complex quotes – something that can be extremely difficult for the layperson.

Compare the advice and service that you would get from an insurance broker to someone who represents a bank or agency. While a broker can access a wide-range of insurance policies to fit your needs, a banker or insurance agent will be limited to selling you products that their own company offers. People often take certain insurance polices – such as home insurance from the bank they have a mortgage with – as they believe this is the only option available. As with any product, it is important to shop around and an insurance broker can help.

While some people prefer to get online quotes and do their own insurance shopping, a broker does more than provide quotes on premiums. A broker acts as a mediator when it comes to claims. A broker knows the system and has knowledge of your coverage. They will act as an advocate on your behalf. Some consider the claims component more important than the premium. When it comes to collecting insurance payouts, the process can quickly intimidate a layperson. The claims process can be especially difficult if the insurance was purchased through an online-only provider. If you find yourself needing to process a claim, you will already be under a great deal of stress from the accident or situation that lead to the claim in the first place. Having a broker speak on your behalf greatly reduces your stress levels and leaves you free to recuperated and move on.

It’s important to know that brokers need to meet licensing requirements in Canada. They must pass rigorous exams laid out by the Canadian Insurance Brokers Association of Canada (IBAC). These exams and licenses are managed at a provincial level. Brokers are also required to do regular professional development courses so their knowledge remains current.

Even though all insurance brokers require a license, not all brokers are alike. They come from a variety of backgrounds and have different degrees of experience. It’s important to talk to a few brokers before you make a decision about who will represent you. Your relationship with your insurance broker is very important as this is an individual you will be trusting with important financial decisions. There are many, wonderful, qualified insurance brokers to choose from, ensuring you will find one that you are comfortable and happy with.

Online insurance quotes and advice from your banker or insurance agency may give you insight into appropriate insurance coverage, but ultimately, an insurance broker will see the bigger picture. Their expertise and experience will likely get you the best coverage for your needs.