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In Reply to: Woolrich Arctic Parka are you able to genuinely triumph over ones inflammation of a joint posted by LemLobenase on January 11, 19113 at 22:04:57:
0 APR credit cards are here to stay. Now that we're well into the New Year we've learned (again) the lessons of the festive season. Zero interest credit is a nice idea, but why not extend it beyond your present credit card to the next, and the next. This seven point checklist will assure the clever consumer of having that constant low APR credit for years to come.1. Read the small print. Make sure it matches the offers on the credit card's advertising copy. In particular, check for clauses that differentiate between purchases and cash transfers, or even cash withdrawals. Check that the card doesn't stipulate a ratio between purchases and cash, charging an excess if the cash activity rises above the purchase activity (that is usually the way it is biased, but check to make sure).2. Keep to the agreed credit limit as specified in the agreement. Do not exceed the balance limit as specified on your original agreement, or that'll be the trigger for extra charges.3. Pay at least the minimum charge in full. Even better, set up a standing order or direct debit with your bank. You can arrange to have the minimum paid directly and electronically from your bank account every month.4. Avoid late fees by paying on time. There is a danger with people who have the benefit of a 0% APR credit card that they will tend to become complacent about it and forget to pay it. Yes, it does happen. But every time a payment is received late credit card providers can and will charge a late fee. This can add up, especially if someone is habitually late. Again, an automatic direct debit from your bank account is the best answer.5. Factor in any extras in the agreement, as stated in the small print (which you will have read). For example, an annual charge may be applied to offset the 0 APR. Some 0% APR cards do this but others do not. Bear in mind that the whole APR concept was meant to level the playing field as far as extra charges were concerned. By paying an annual charge for your card you are not truly getting a 0 APR card.6. Make sure you have in mind a new low interest or 0 APR credit card waiting by to which you can transfer the balance of your present credit card. Why have 0 APR credit for 6 months or 12 months when you can have it for years and years? Always check the press and financial columns for new deals and credit card offers with this in mind. Join an Internet forum that specialises in such matters.7. Make sure that you transfer the balance of your existing credit card to your new credit card in full and on time. In particular, allow for time to process the balance transfer and for all the paperwork involved (yes, even in the age of the Internet there is still a certain amount of paper involved!) and be careful to check that the opening balance allowed on your new 0 APR credit card is at least the same or exceeds the balance that you wish to transfer from your existing credit card, or the shortfall will cost you money!
Title: "Wrapping" The Impossible-To-Wrap Christmas GiftWord Count:515Summary:"The excellence of a gift lies in its appropriateness rather than in its value." - Charles Dudley WarnerYou've found the perfect gift, one completely appropriate for the recipient. But now you've realized that this gift also happens to be the impossible-to-wrap gift.Maybe the gift is oddly shaped and won't fit in a box. Maybe the gift is digital and doesn't have a physical form. Or maybe the gift is too big and can't fit through your door. Here are ideas about how you...Keywords:wrapping gifts, wrapping presents, gift wrapping ideas, wrap gifts, hard to wrap giftsArticle Body:"The excellence of a gift lies in its appropriateness rather than in its value." - Charles Dudley WarnerYou've found the perfect gift, one completely appropriate for the recipient. But now you've realized that this gift also happens to be the impossible-to-wrap gift.Maybe the gift is oddly shaped and won't fit in a box. Maybe the gift is digital and doesn't have a physical form. Or maybe the gift is too big and can't fit through your door. Here are ideas about how you can easily "wrap" even the most impossible gift.Oddly Shaped GiftsSome gifts just were never meant to be wrapped. Try one of these ideas to get that oddly shaped gift properly covered.- Gift bags are a popular way to wrap an oddly shaped gift. Just place the gift in the bag and cover with brightly colored tissue paper.- Put a large sheet of wrapping paper on the floor, design side down. Place the gift in the middle, and pull the four corners of the paper up and toward the middle. Close the top by tying the corners with a festive ribbon.Gifts Without a Physical FormOur modern computer age has brought a whole new challenge to wrapping gifts, those gifts like electronic books, downloaded software, or downloaded music. These ideas will turn your digital gift into something that can still go under the tree.- Burn the files for the digital gift onto a CD. Alternatively, buy a thumb drive or memory stick and copy the digital files onto the memory device.- Print the download instructions for the digital gift. Then purchase (or make) a Christmas card and include the printed instructions inside the card.Gifts Too Big to Fit Under a TreeFor large gifts you'll have to find a "safe" hiding place. Some merchants might allow you to store the present at their store until just before Christmas. Alternatively, perhaps your garage or a storage shed can server as a good hiding spot. You might even consider using a neighbor's garage (and getting your neighbor's permission first is probably a good idea!).With the gift in a safe spot you can still "wrap" the present and put it under the tree with one of these ideas.- Use a Christmas card (or make one either by hand or using your computer) and announce the gift inside the card.- Wrap a small item to represent the gift and put it under the tree. Try to choose an item that hints at what the present is without immediately revealing the secret. For example, you might use a bike tire pump to represent a new bike, a car owner's manual to represent a new car (I think most of us won't be giving a gift this big), or a house key to represent a new house (this one requires some possession of sizable wealth).So don't let the impossibility of wrapping a gift keep you from selecting the present that is most appropriate for your loved one. Use one of these fun ideas to get that present "wrapped" and "under the tree."
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Why is it that the Bill Gate's of this world are rich and famous? What secret do they know that the rest of us don't? If you study their lives closely, you'll discover the rich and famous have certain habits that attribute to their success. Successful people are very careful about how they spend their time. No matter how you slice it, we all have 24 hours in a day, so the key lies in learning to use our time wisely. Below are some ways you can dramatically increase your productivity through more effective use of your time.1. MONITOR HOW YOU CURRENTLY USE YOUR TIME: If it seems like your day slips by all too quickly, try creating a log of your daily activities. Once you see where you are spending your time, you can identify and focus on the activities that provide the greatest returns for you personally and financially. Start your log by writing down what time you wake up, get ready, and begin work. Calculate how much time you spend on individual activities such as email, phone calls, and client work.=> FREE TIME TRACKING TOOL: Here's a personal time survey to help you discover how much time you spend on various work activities: Personal Time Survey Tracker2. CALCULATE HOW MUCH YOUR TIME IS WORTH: Time is money. Knowing how much your time is actually worth can help you make better decisions as to whether you should perform a task or outsource it. For instance, if your time is worth $200 an hour, you are far better off paying someone $30 an hour to edit your newsletter. You can "bank" the other $170 per hour by spending your time on profit making activities. Also take the time to determine how much time a day you need to spend on billable activities to make your desired profit. I try to spend 1.5 hours a day on money making projects.=> FREE TIME COSTING TOOL: Here's a time costing worksheet to help you determine how much you are actually when you subtract the expenses. Time Costing Sheet3. CREATE A DAILY SCHEDULE: Don't start your day without a to do list. Make a list of tasks and categorize them into business building activities, client activities, and personal items. Then break bigger unmanageable projects into smaller "doable" chunks so they less intimidating and are easier to accomplish.=> FREE DAILY TO DO LIST: Try this free all inclusive WebMomz To Do List4. PRIORITIZE: Have more to do than hours in the day? By prioritizing your tasks, you'll make sure that you are tackling the items that matter most. Create a system that works for you. One standard way of prioritizing is to mark items with A, B, and C.Ask yourself these key questions:What items MUST be done today?Which items can be rescheduled?What can be delegated?Which tasks most closely match my priorities and goals?Which items can be eliminated?5. LEARN TO SAY NO: Are you adding one more item to your never-ending TO DO list? You are in control of your time. Be strong and uphold your personal boundaries. When you are well rested and treat yourself and your family to the time off you deserve, you'll feel happier and more productive when it's time to go back to work. **Before you say yes, ask yourself these questions:Do you really have the time or energy to do that extra task?Do I like this customer? Are they good for me?Will it be profitable?Does it invade on your personal time?Does it involve doing something you enjoy?Does it fit in with your list of priorities and goals?6. REMOVE DISTRACTIONS AND TIME SUCKS: Time sucks are lurking everywhere like viruses. Think about which activities are eating up your time. For me personally, these items include email, social calls, and telemarketers. I "conquer" the email demon by shutting down my Outlook when I am working. When a family member calls during work time, I politely ask if I can call them back during the afternoon and remind them of my work hours. Caller ID valiantly saves me from the "would be" telemarketer time thieves. With one glance, I can quickly differentiate telemarketers from important client calls.7. STICK TO THE PLAN: Try not to get sidetracked from your plan. One of my friends has a motto, "A lack of planning on your part does not constitute an emergency for me". It's a smart one to live by. Unless it's a true emergency, or you are being paid "rush" time, you probably don't need to squeeze a last minute request in today. Also, by assigning yourself project deadlines, you can keep on top of projects and avoid those dreaded last minute emergencies.8. CHOOSE AN INSPIRING PLACE AND TIME: We are all "built" differently. Do the tasks which take your most "brain power" when you are at your prime. Are you a morning person or do you work best burning the midnight oils? Create an ultimate work haven that is clean, distraction free, and inspiring. My office overlooks my flower garden and is right in the heart of family activity. As I glance to the right, our Angel fish "Spike" proudly parades across the fish tank. In front of me, Monet has a glorious display of peach poppies in a field. Above me, Monet is painting a vivid portrait of his flower garden. In the living room, my son is softly singing the Spiderman theme to himself - music to my ears!9. BUNDLE LIKE TASKS TOGETHER: As you work through your daily list, try to chunk your tasks into like activities. By creating a separate "chunk" of time for answering email, invoicing, making return phone calls, you'll save time and mental energy.10. AVOID INTERRUPTIONS: Trying to do the same thing over and over again with interruptions can be maddening. Once you start a task, try to finish it to the end. If something comes up that you need to remember or do, unless it's urgent, simply add it to your list and continue on with your current project.11. BE ORGANIZED: When things are tidy, it saves you time and frees you to focus on the task at hand. Digging through a pile of papers and finding a squished Twinkie isn't very conducive to the work experience. Follow your own organizational style. PHONE LISTS: For instance, I arrange my phone lists into groups according to how I use them: friends, family, doctors, my children's playmates, etc. I also list people in my phone book that I talk to on a first name basis by their first name alphabetically. For instance, I list my mom under "M" and my brother under "T" for Troy. "D" has a list of all my doctors. This works for me, because it's how I think.EMAILS: Another time saving idea is to color code your emails. In my personal color scheme I use one color for clients, one for newsletters, and another for my coworkers. You can also group your emails using categories and folders.ONE CALENDAR MEETS ALL: Keeping track of work appointments, Brownie meetings, and committee meetings can be very difficult. My secret to keeping on top of family and work appointments is to schedule them all on one calendar.DAYTIMER SPECIAL SECTION: Create a special section of your Daytimer just for special interests, hobbies, or kids. My husband keeps one with all his stock info. I have a special kid section with phone numbers for Brownie leaders, playmates, doctors, school contacts, bus number and other items.SUMMARY: Why wait for success when you can literally schedule it! By mastering your time, you can accomplish much more with less effort. Be choosey about how you spend your time. Focus on activities which most closely match your goals. By taking time to monitor, measure, and manage your time, you will enjoy an abundance of success and happiness.
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