Saturday, February 28, 2009

Don't Rely Excessively On Appraisals

Getting an appraisal on a home is a fundamental aspect of making a purchase. While appraisals are certainly helpful, you should not put too much stock in them.

Don?t Rely Excessively On Appraisals

An appraisal is a valuation of a property by an independent appraiser. The appraiser does an evaluation of the home, considers the home in comparison to others of comparable type and so on. Once completed, the appraiser then issues a written appraisal value of the home. Many homebuyers make the assumption the appraisal is the true value of the home both now and in the future. This can be a dangerous assumption.

First, appraisals are limited by something known as a moment in time. The appraisal done today, may not be entirely relevant a month or two later. If a property has been on the market for a few months, the appraisal may not reflect a slowing market. This, in turn, means the appraised value is actually higher than the current market will support. Homebuyers run into problems when this occurs because they put too much value on the appraisal. A seller will often list the home below the appraised amount and homebuyers will think they are getting a deal. In reality, they are not and may actually be paying more than a new appraisal would support. The older the appraisal, the less value you should put into it.

Most homebuyers assume an appraiser inspects the home for defects and discounts the value of the home accordingly. This is not really the case. An appraiser is not really doing a critical home inspection. In fact, the appraiser contract and/or report usually contains a long disclaimer whereby the appraiser covers his derriere by noting he assumes the property is in good condition and isn?t liable if it is not. Obviously, that should scare you. This, of course, is why you should insist on a home inspection for any property you make an offer on.

An appraisal is a solid part of the equation when considering a home purchase. It is not, however, the piece de resistance when valuing the property.

Raynor James is with the site - FSBOAmerica.org - home buying information.

Thursday, February 26, 2009

Do You Really Know Backgammon Instructions?


Backgammon has been a popular game for many years. It is a game similar to checkers, however your strategy is the complete opposite. Backgammon instructions are easy to follow and anyone can play. When you purchase a backgammon game, there are usually always backgammon instructions that come along to walk you through. If the instructions are misplaced just search the Internet.


The main goal of the game backgammon is for each of the players to get all of his or her game pieces onto the home board and then to find a way to get all the pieces off the board. The first player to achieve this is the winner of the game.


To start the game, figure out who will go first. You can roll the die for this and whoever gets the bigger number goes first. This is just the easiest way to determine who goes first, without any conflict.


Each player will get a turn to move his or her pieces. The players will first roll the dice before every move. You will move with whatever consists with the roll of the dice. If you roll a 4 and 3, then you will move seven slots. You can break the moves up between two game pieces. In other words, move one four spaces and the other piece three. You just have to make sure you move one game piece in accordance with the number on one of the die rolled. And the other piece in accordance with the other number rolled. It is really easy to learn.


If the same number would appear on both dice rolled, then the roller would be allowed double what the number is. For example, if you roll a 2-2, then the roller is allowed four moves instead of two. There are instructions in the game to remind of the hard plays and so you can refer back to when you need to.


You get a point by getting two or more of your game pieces on it. Once this occurs, the opponent cannot come to rest on that point when taking the combination of his dice.


There are different terms and circumstances that must be followed during the course of the game. When you are stuck on what to do, you can go back and look in the instructions to the game to figure it out. If you are playing for the first time and your opponent is a pro, then they can help you along and give you pointers throughout the game. Using the instructions seems to be the proper way to truly learn the game.


? backgammonholygrail.com
About the Author

Wednesday, February 25, 2009

Confessions of a Real Estate Agent


So You Want to Be a Real Estate Agent?

There's the persistent myth that the real estate business is an instant money-generating, easy treasure trove. Well, it is, but with hard work, patience, and best of luck.

For the newbie in the business, though, real estate can be a thorny, if not downright frustrating venture. It's basically a gamble; profits will come rushing in only after one or two years down the road. After all, you are just establishing yourself and building your name and credentials. Add to this the fact that you're up against more cutthroat veterans.

In the meantime, there's always the temptation to regret the day you traded your regular and stable job at the office for the more unpredictable, often heartbreaking real estate bubble. Times like this, you have to focus on the future benefits, not the present drawbacks.

Lose some, lose some.

As everything changes along with technology, so does real estate. You'll still need your pen and paper of course, but it would be heaps easier if you armed yourself with a PC or a laptop and a fast internet connection. Now, more than ever, information on current real estate trends and marketplace behavior is available, so take advantage of all that. Knowledge is power, so goes the clich?.

Real estate is all about making connections. Not necessarily the right connections; any connection is good and will come in handy in the future. Any tip, juicy scoops, or new finds in the business is always appreciated, and that?s what connections are for. The point is, in the real estate business, people skills is a virtue always worth honing.

Win some, lose some.

Partnering with someone is a good way to get started especially if you don't have enough money to lay on the table. Your partner will be the one to worry about the finances, while you do the legwork (scouting properties, looking for buyers, touring them around, etc). And then you split the profits between yourselves depending on the agreed percentage. A commission of twenty percent may not exactly be top-notch cash, but what you're really after?since you're just starting?is learning the ropes of the trade.

Win some. Then win more.

You make new contacts everyday, know who the key players in the business, and earn their trust regarding future team-ups. Overall, you?ll be growing comfortable in a business best characterized by constant ups and downs.

Whatever the case, in the real estate business, you are your own boss and you own your time. There are no routines, no office chair restraining you. What replaces these are sweet victories with every successful deal made.

Before long, you?ll be glad you made the switch.

Neoli write articles and press releases for http://www.ozfreeonline.com. This piece he made served as an article exclusive for http://realestate.ozfreeonline.com - which offers a comprehensive list of office & commercial real estates, homes for rent or sell and an apartment finder to thousands of properties in Australia.

Tuesday, February 24, 2009

Miserable Man Boobs!




 



Miserable Man Boobs!Submitted By: C.M. Britt  
















S ome guys at work were getting together to play basketball and asked if I wanted to come along. Since I was new on the job and also in town, it felt great to be included. So, I ran by my apartment and grabbed a T-shirt, shorts and shoes and headed out to meet the guys down at the gym.


It had to have been 500 degrees in that gym that day. We decided to play ?Skins?! You divide up into two teams, one team wears shirts and the other ?lucky? team goes shirtless. Well, some would call that lucky, while others like me?call that a living nightmare. Immediately, I became aware of this old familiar sick feeling, the same one that had haunted me since junior high.


About the same time that girls started growing breasts, so did I. There was only one problem, I was a MALE. I got so freaked out in junior high that I was afraid that my other private parts would start falling off too. It was a miserable time in my life! I, of course, did everything to hide the unwanted growths on my chest. I never EVER talked of them and I certainly didn?t want anyone else to mention them either. Oh, how I hated the puffy growths on my chest and I even hated myself for having them.


When I watched sporting events, specifically boxing matches, I zeroed in on the boxers dancing around in the ring. Did I see puffy boobs bouncing up and down on their chests? No, they were real men. Why wasn?t I, why was this happening to me? I thought, I need to do more push-ups, lift more weights, add more butterfly reps. Nothing, absolutely nothing that I tried helped; they just stayed puffy. Then they grew so large, you could see them through my shirt. Crapola, this can?t be happening to me. I would have loved to have gone to the beach, washed the car or really done anything with my shirt off and not been ridiculed and laughed at.


I started having nightmares about bra shopping with my Mom and getting bras for Christmas gifts. This entire humiliating scenario flashed through my mind that day as I, a grown man, standing on the basketball court, got myself into such a state that I almost had chocolate pudding pants. I thought, that?s right just keep it up and you will have to quit your job!


Trying to calm myself, I thought, maybe it won?t be so bad after all. I haven?t taken my shirt off in public since I can?t remember when. These guys are more much mature; I work with them for God?s sake, maybe they will be different. I knew they would notice, but I hoped against all hope that they wouldn?t say anything. At that exact moment, I heard my name called, my own name echoed in my ears. Yep, you guessed it, I had been chosen for the Skins team. I thought, this is appropriate; I feel like I am getting ready to be skinned


So, in self-conscious agony, with fingers trembling and knowing the shame and humiliation I was about to face, I moved my hands to the bottom of my shirt. Although my heart was racing fast enough to power the city of Denver, I was desperately trying to act like everything was just everyday okay normal.


Up over the belly, here they come, OMG, here they are in all their hideous glory, big and pointy and puffy as ever. I can feel the breeze on them now. I?m feverishly talking to myself, ok, you?ve made it this far, keep going; ok, I?ve got the shirt around my neck. Wait, should I pull it back down and run out the door? I can?t do this, I simply can?t do this; I can?t suffer this humiliation again. If I run, then how can I go back to work tomorrow. Ok, ok, keep going, keep going, up over my head, ok, finally the shirt is off and here I am with my pathetic man boobs showing for all the guys to see.


I feel like my heart is going to explode; I am breathing so fast. I have even broken out in a sweat. I just want to start running and never stop. Why did I ever agree to this? Ok, let me turn around and face someone. Ok, so far so good, he didn?t seem to notice anything. Ok, maybe we will get started and I will blend in with the others, besides there are some chubs out here, maybe no one will notice.


Then it started. Hey, the girls aren?t playing today. Then it was like?oh man I am sorry?I didn?t mean anything by it. Then it was, ok Moobs, why don?t you play point guard, since point seems to fit you so naturally. There it was, it was said! Even though everyone was laughing good naturedly, everything in me stopped. It was like the blood drained out of my body. What a complete Jerk!


What did I do, I laughed too, and of course I acted like it was no big deal. On the outside, I acted like it didn?t bother me at all, while on the inside, I felt dejected and sadly pathetic. I would do anything to prove that I could play and to prove that I was a man. That was how I had handled these heart stopping embarrassing situations so many times before, and, yes there had been many times before.


But something entirely different happened that night. As I was leaving the gym, I decided that I was through suffering. I had finally had enough. Instead of feeling miserable and depressed, I felt empowered by the incident. There just has to be something that can be done for my man boob condition.


So, I went home and started researching on the Internet and I came across several all-natural (without surgery) programs for reducing breasts in men. No more puffs and no more pointy nipples; now I could be just a regular guy. I was determined to get my confidence and masculinity back.


While there are several 100% guaranteed effective male breast reduction programs to be found on the Internet, I used The Chest Coach System with completely satisfactory results. Its system addresses all the many reasons for Man Boobs or gynecomastia (not just one or two).











About the Author:

C. M. Brett is the creator of the Squidoo site, Exercises For Gynecomastia. If you enjoyed this Man Boobs story and would like more exciting information on this embarrassing condition in males visit: Exercises For Gynecomastia!




Article Tags: didnt, shirt, started













Monday, February 23, 2009

Dubai property Is Over Hardly

It seems that every time I tell someone what I do, I get the same reply. It goes something like this
?Dubai property is over, yesterdays news?
?Really?? I say,
?Absolutely, it was booming a few years ago but not anymore?,
?According to whom?? I ask
?Everyone?

Good news all round
It seems that the property developers don?t share these concerns as billions of dollars have been invested into projects newly announced this year. The largest project announced in Dubai to date was announced this year. Capital values haven?t stopped increasing and concurrently neither have rental values.

The finance market is on the up and starting to mature. A broader range of finance products have been announced by existing banks offering more sophisticated and developed options as well as many newer banks moving in and presenting their spectrum of products.

There are also an endless number of articles by financial advisers which sing the praises of investing in Dubai property. These cover topics such as the new property laws that have been introduced which have supported international investment in Dubai through to anecdotes about 25% of the world?s cranes being located in Dubai.

It is hard to believe that so many large organisations that have invested billions in Dubai have not done their due diligence beforehand.

No news is bad news
It seems that the concerns of the naysayer arose not from negative reports of Dubai but rather a lack of positive ones. All this information is not filtering through to the public at large, at least not in the UK. Dubai is no longer mainstream news as it was five years ago. The novelty of giant artificial islands or an entire brand new city made from the ground up in the desert has worn off. In order to find new information, specialist news services on the Middle East or international economy and property have to be read.

As a result people are not as excited about Dubai property as they were five years ago when it could be argued that it is now a more exciting time. Emirate Ventures Ltd, a UK based Dubai property agency, has seen a healthy level of inquiries and sales continue despite this change in perception.

Everyone is an expert apparently, but the real experts agree that Dubai is not over by any means. It has matured and continuing to grow at a very healthy pace.

Emirate Ventures ltd is a UK based real estate agency specialising in Dubai property investment.
For further information contact
Siddeek Talati
Emirate Ventures ltd
http://www.EmirateVentures.co.uk

Sunday, February 22, 2009

3 Tips To Buy A Cheap Foreclosed Home From Government Auctions

How to buy a cheap home? Well, the answer most people could come up to address that question is through buying foreclosed home from government auctions.

National and most of local governments are regularly holding or sponsoring foreclosure or auctions of repossessed homes. There are governments that offer such on a monthly basis, while others make it quarterly, semi-annually, or even yearly.

However the repossessed home is priced, the more important thing, and the significant idea you should always bear in mind is that you must always aim to buy at cheap prices.

Here are some useful and practical tips that could help you forge a cheap deal if you are aiming to cheaply buy a foreclosed home from a government auction.

1. Inspect the home very carefully. Check all the minor and negligible details. Sometimes, you could be surprised at how some homes are overvalued when in fact, the damages and defects can practically scrap or significantly mark down the tag price.

2. Bring an expert when looking or inspecting a foreclosed home during government auctions. Sometimes, you have to recognize other people's profession and expertise during times when they are needed. Buying homes is an activity expert home buyers and valuators can easily get across at. Take the sidelines, for a while.

3. Bid, but start at a low bid. Since the auction is just like a contest, where you would aim to compete with other bidders for a home, make sure you do not over price the foreclosed home. Otherwise, back out, and let other 'willing' people have it if they are willing to pay the premium price.

The most important thing to bear in mind when buying foreclosed homes at government auctions, is to maintain focus, both on the home and on the tag price. The two should never be separately seen.

For listings of government foreclosed homes, please go to http://www.buy-cheap-houses.info/

Saturday, February 21, 2009

Medicaid and Funeral Arrangements

Health care costs have risen dramatically over the past decade, often at a rate two or three times that of inflation. After working an entire lifetime, many people are devastated by their health care costs upon retirement. A significant number of people need to live in nursing homes, the cost of which quickly drains an individual?s assets. Medicaid will assist with health care costs for people over 65; but to qualify for Medicaid people often spend their life savings and assets. However, with proper planning, you can ensure that your financial legacy stays intact while qualifying for necessary medical aid.

What is Medicaid?

Medicaid is a health insurance program funded and managed by both state and federal governments. Medicaid offers medical treatment, including nursing home care, for low-income individuals who are 65 or older, blind or disabled. Payment is made directly to the health care provider.

Medicaid Eligibility

To qualify for Medicaid certain requirements must be met. These may include your age, income and other assets (anything that can be sold for cash) and whether you are a U.S. citizen or a lawfully admitted immigrant. The rules for counting your income and resources vary from state to state and from group to group. There are special rules for those who live in nursing homes. Because Medicaid eligibility is based on need, a person is not eligible to receive benefits if they have income or assets that exceed the limits established by each state or county. If someone?s assets are more than the state allows, he or she will have to liquidate their assets to pay for care before they will receive aid from the program. Assets include checking/savings accounts, mutual funds, stocks and bonds, deferred annuities, the cash value of most life insurance policies, revocable living trusts, retirement funds, and burial trusts beyond a minimum amount. It is important to consider ways to ensure that you can protect your assets and still receive assistance from Medicaid. States can look back to find asset transfers between 36 and 60 months prior to the date an individual applied for Medicaid. These transfers may restrict the amount of insurance benefits you receive. It is important to contact an elder law attorney before you attempt to qualify for Medicaid coverage.

Prepay Your Funeral

One of the ways you can protect your assets from being considered a liability against Medicaid approval is to prepay your funeral. This must be done properly in order to be legally binding. First, you must purchase an insurance policy specifically for your final expenses. With the help of your insurance agent, you then irrevocably assign this policy to a trust or funeral home. Up to a legally determined amount, most Medicaid agencies exclude these funds when determining eligibility. This process ensures that you have the money you need for the remembrance that you want. It will also relieve your family of the burden of funeral expenses during their time of loss. Finally, it is a lawful way to reduce your assets and make sure you are eligible for the health care assistance you need.

Dale M. Krause is a National Medicaid Crisis Planning Specialist with Krause Financial Services, Inc. Mr. Krause?s educational credentials include a B.S. degree from the University of Wisconsin-Stevens Point, Wisconsin; a J.D. degree from Thomas Cooley Law School, of Lansing, Michigan; and, an LL.M. in Taxation from DePaul College of Law, of Chicago, Illinois.

Mr. Krause is also a member of the Wisconsin and Michigan Bars, National Academy of Elder Law Attorneys, Inc., Coalition of Wisconsin Aging Groups, Institute of Elder Planning Studies, International Association For Financial Planning, The Financial Planning Association, Society of Financial Service Professionals, Fidelity Advisor Council, and is a licensed insurance agent and stockbroker. Mr. Krause is a regular speaker at continuing legal education forums throughout the United States. Dale M. Krause, J.D., LL.M. KRAUSE FINANCIAL SERVICES 1120 Red Wing Trail, De Pere, WI 54115 Telephone: (866) 605-7437 Fax: (866) 605-7438 E-mail: dalekrause@insurance-endowment.com Website: http://www.insurance-endowment.com


Friday, February 20, 2009

Medication and Older Adults


You are a partner in your health care. This is a partnership between you, your doctor, and your pharmacist. You need to be assertive and knowledgeable about the medications you take.


The Food and Drug Administration is also working to make drugs safer for older adults, who consume a large share of the nation's medications. Adults over age 65 buy 30 percent of all prescription drugs and 40 percent of all over-the-counter drugs.


Almost every drug that comes through FDA [for approval has been examined for effects in the elderly, says Robert Temple, M.D., associate director for medical policy in FDA's Office of Drug Evaluation and Research. If the manufacturer hasn't done a study in the elderly, we ask for it.


More than 15 years ago, the agency established guidelines for drug manufacturers to include more elderly patients in their studies of new drugs. Upper age limits for drugs were eliminated, and even patients who had other health problems were given the green light to participate if they were able. Also, drugs known to pass primarily through the liver and kidneys must be studied in patients with malfunctions of those organs. This has a direct benefit for older adults, who are more likely to have these conditions.


In several surveys, FDA discovered that drug manufacturers had been using older adults in their drug studies; however, they weren't examining that age group for different reactions to the drugs. Now, they do. Today, every new prescription drug has a section in the labeling about its use in the elderly.


Says Temple, The FDA has done quite a bit and worked fully with academia and industry to change drug testing so that it does analyze the data from elderly patients. We're quite serious about wanting these analyses.


When More Isn't Necessarily Better


Of all the problems older adults face in taking medication, drug interactions are probably the most dangerous. When two or more drugs are mixed in the body, they may interact with each other and produce uncomfortable or even dangerous side effects. This is especially a problem for older adults because they are much more likely to take more than one drug. Two-thirds of adults over age 65 use one or more drugs each day, and a quarter of them take three drugs each day.


Not all drug combinations are bad. High blood pressure is often treated with several different drugs in low doses. Unless supervised by a doctor, however, taking a mixture of drugs can be dangerous.


For example, a person who takes a blood-thinning medication for high blood pressure should not combine that with aspirin, which will thin the blood even more. And antacids can interfere with certain drugs for Parkinson's disease, high blood pressure, and heart disease. Before prescribing any new drug to an older patient, a doctor should be aware of all the other drugs the patient may be taking.


Too often, older people get more drugs without a reassessment of their previous medications, says Feinberg. That can be disastrous.


There is also evidence that older adults tend to be more sensitive to drugs than younger adults are, due to their generally slower metabolisms and organ functions. As people age, they lose muscle tissue and gain fat tissue, and their digestive systems, liver, and kidney functions slow down. All this affects how a drug will be absorbed into the bloodstream, react in the organs, and how quickly it will be eliminated. The old adage Start low and go slow applies especially to the elderly.


Older adults who experience dizziness, constipation, upset stomach, sleep changes, diarrhea, incontinence, blurred vision, mood changes, or a rash after taking a drug should call their doctors. The following suggestions may also help:


* Don't take a drug unless absolutely necessary. Try a change in diet or exercise instead. Ask your doctor if there's anything else you can do besides drug therapy for the condition.


* Tell your doctor about all the drugs you take. If you have several doctors, make sure they all know what the others are prescribing, and ask one doctor (such as an internist or general practitioner) to coordinate your drugs.


* Ask for drugs that treat more than one condition. Blood pressure medicine might also be good for heart disease, for example.


* Keep track of side effects. New symptoms may not be from old age but from the drug you're taking. Try another medication if possible until you find one that works for you.


* Learn about your drugs. Find out as much as you can by asking questions and reading the package inserts. Both your doctor and pharmacist should alert you to possible interactions between drugs, how to take any drug properly, and whether there's a less expensive generic drug available.


* Have your doctor review your drugs. If you take a number of drugs, take them all with you on a doctor's visit.


* Ask the doctor, When can I stop taking this drug? and, How do we know this drug is still working?


* Watch your diet. Some drugs are better absorbed with certain foods, and some drugs shouldn't be taken with certain foods. Ask a pharmacist what foods to take with each drug.


* Follow directions. Read the label every time you take the medication to prevent mistakes, and be sure you understand the timing and dosage prescribed.


* Don't forget. Use a memory aid to help you--a calendar, pill box, or your own system. Whatever works for you is best.


Medicine and Special Needs


Arthritis, poor eyesight, and memory lapses can make it difficult for some older adults to take their medications correctly. Studies have shown that between 40 and 75 percent of older adults don't take their medications at the right time or in the right amount. About a quarter of all nursing home admissions are due at least in part to the inability to take medication correctly.


A number of strategies can make taking medication easier. Patients with arthritis can ask the pharmacist for an oversized, easy-to-open bottle. For easier reading, ask for large-type labels. If those are not available, use a magnifying glass and read the label under bright light.


Invent a system to remember medication. Even younger adults have trouble remembering several medications two or three times a day, with and without food. Devise a plan that fits your daily schedule. Some people use meals or bedtime as cues for remembering drugs. Others use charts, calendars, and special weekly pill boxes.


Mary Sloane, 78, keeps track of five medications a day by sorting her pills each evening into separate dishes. One is for morning pills, the other for the next evening. Then she turns each medicine bottle upside down after taking the pill so she can tell at a glance if she has taken it that day.


You have to have a system, Sloane says. Because just as soon as I get started taking my pills, the phone rings, and when I come back to it, I think, 'Now have I taken that?'


Drug-taking routines should take into account whether the pill works best on an empty or full stomach and whether the doses are spaced properly. To simplify drug-taking, always ask for the easiest dosing schedule possible--just once or twice a day, for example.


Serious memory impairments require assistance from family members or professionals. Adult day-care, supervised living facilities, and home health nurses can provide assistance with drugs.


Active Lives


Not all older adults are in danger of drug interactions and adverse effects. In fact, as more and more people live active lives well into their 80s or beyond, many take few medications at all. Among healthy older adults, medications may have the same physical effects as they do in younger adults. It is primarily when disease interferes that the problems begin.


To guard against potential problems with drugs, however, older adults must be knowledgeable about what they take and how it makes them feel. And they should not hesitate to talk to their doctors or pharmacists about questions and problems they have with a medication.


Says the University of Maryland's Feinberg: We need to have educated patients to tell us how the drugs are working.


Rebecca D. Williams is a writer in Oak Ridge, Tenn.


Cutting Costs


The cost of medications is a serious concern for older adults, most of whom must pay for drugs out of pocket. Even those who have insurance to supplement Medicare must often pay a percentage of the cost of their medicines.


For a new prescription, don't buy a whole bottle but ask for just a few pills. You may have side effects to the medication and have to switch. If you buy just a few, you won't be stuck with a costly bottle of medicine you can't take.


For ongoing conditions, medications are often less expensive in quantities of 100. Only buy large quantities of drugs if you know your body tolerates them well. But be sure you can use all of the medication before it passes its expiration date.


Call around for the lowest price. Pharmacy prices can vary greatly. If you find a drug cheaper elsewhere, ask your regular pharmacist if he or she can match the price.


Other ways to make your prescription dollars go further include:


* Ask for a senior citizens discount.


* Ask for a generic equivalent.


* Get drug samples free. Pharmaceutical companies often give samples of drugs to physicians. Tell your doctor you'd be happy to have them. This is especially convenient for trying out a new prescription.


* Buy store-brand or discount brand over-the-counter products. Ask the pharmacist for recommendations.


* Call your local chapter of the American Association for Retired Persons (AARP) and your local disease-related organizations (for diabetes, arthritis, etc.) They may have drugs available at discount prices.


* Try mail order. Mail-order pharmacies can provide bulk medications at discount prices. Use this service only for long-term drug therapy because it takes a few weeks to be delivered. Compare prices before ordering anything.


For the complete article click on Medication and Older Adults.
About the Author

M. Sanders is a long term care insurance marketing specialist. She is appointed throughout the United States as a long term care insurance representative with several major insurance carriers. Her website, About Long Term Care and LTC Insurance, contains information and articles pertaining to long term care, insurance and other related senior topics. It is her goal to inform the public about these

Thursday, February 19, 2009

Choosing the Right Catchers Mitt

The catcher kneels behind the plate, and pounds his catchers mitt then gives the pitcher the sign. The bang of the crowd, the rush of the game, the rush of victory. The agony of sensitive muscles, the torment of suspense, the torture of defeat. These are all notion and emotions that run through the head of a major league baseball player as he stands there in the field. Ready. Waiting. Striving to achieve that glory instant that for so long he has dreamed of. Or perhaps he is a rookie, wanting desperately to prove himself to his teammates, the veterans of the field. In either context, one thing is for sure. You better be playing with the right glove.

Thats where Akadema comes in. Akadema is the baseball glove of choice for over 200 colleges and universities, and for good reason. Known as being on the cutting edge of sports technology, and backed by Hall of Famers galore, Akadema knows baseball. Their designs have been approved by Famers Ozzie Smith, Carl Yastrzemski, Gary Carter and Bob Feller. And when you select an Akadema glove, you are choosing the good word of these and other big names of the game. How do you find the glove that is right for you? It is easier than it looks despite the wide selection and variety out on the market right now.

The first thing to ask yourself, is what position will you be playing? Are you known on your team as the superstar of just one, or will you be playing through them all? As the game has developed, so has the gloves. There are now mitts for all fielders, not just first basemen and pitchers anymore. It is important to go to a honest dealer like Akadema to make sure that you get the proper size and fit for you.

Secondly you should look at the web of the mitt. There is only one thing that really matters when it comes to this component. Can you see through it? This will help you to be useable and rid you of soil and other interferences during the game. Webs that are solid work best if you need a sun shield for fly balls.

Next think about what performs best for you an open back or closed back. Just like the web, this comes down to personal choice and comfort. If you tend to overheat out there on the field, an open back will keep you a little cooler, while also offering you choices such as an adjustable wrist strap. Closed backs are a little more solid and offer less breathing room and yet more support. The final ingredient that should be reasoned is the price of the baseball mitt. Nobody wants to spend a lot, but also consider that what you spend also reflects caliber and advanced baseball mitt technology in a lot of cases. The bigger the brand name, the larger the price tag, so keep that in mind when shopping. Small, well known manufacturers such as Akadema can ofttimes offer the same quality (or better) for a more reasonable price.

Scott Peters is an avid baseball and softball fan, and a sports equipment retailer. Please go to catchers mitt for more information


Wednesday, February 18, 2009

The Best Backpacking Foods

Maybe your favorite backpacking food is a freeze-dried turkey dinner. There really is no est backpacking food. There are reasons to bring certain foods, though. Here are ten foods, and the reasons you might want to consider them.

1. Nuts. This is one of the most calorie-packed foods you can take. That means less weight to carry. With lots of protein and other nutritonal benefits, nuts are one of the best backpacking foods.

2. Olive oil. Add a little to your soups or dip bread in it. The best of the oils health-wise, you can eat it before sleeping, to stay warm, because fats generate heat when digested.

3. Trail mixes. Any mix with raisins and nuts is great for backpacking. Vitamins, minerals, protein, and the best reason - convenience.

4. Corn products. Tortilla chips or corn nuts are convenient, and they don't seem to cause the tiredness that potato chips and other simple carbohydrates can cause.

5. Ramen noodles. When you need a hot meal fast, there isn't much that's better.

6. Instant coffee. A necessity for caffeine addicts, and it's good to have a stimulant available for emergencies.

7. Wild edible berries. Learn to identify a few, and you'll have a nutricious excuse for a break along the trail.

8. Instant sports drinks. Pour a little in your water bottle and shake. Replacing electrolytes doesn't get more convenient.

9. Instant refried beans. When you want sustained energy, eat beans.

10. Your favorites. Having your favorite foods can help salvage a rainy backpacking trip spent in the tent.

Always consider the nature of the trip when you choose your backpacking food. Hot meals are much more important in cold climates, and convenience is king, if you want to make miles. A bottle of rum might even be appropriate, if it's a trip wih friends.



About the author:
Steve Gillman is a long-time backpacker, and advocate of ultralight backpacking. His advice and stories can be found at http://www.TheBackpackingSite.com




Tuesday, February 17, 2009

NippleAreola Complex Sensitivity After Primary Breast Augmentation

Background:
The body of literature documenting normative breast sensation and postoperative changes in sensation after reduction mammaplasty has grown considerably over the last several years. Despite this, only two studies have ever been published on the subject of postaugmentation mammaplasty sensory outcomes. The purpose of this study was to precisely measure sensory thresholds at the nipple-areola complex in women who have undergone augmentation mammaplasty by either the inframammary or periareolar approach.

Methods:
Twenty women underwent primary augmentation mammaplasty by either the periareolar or inframammary approach at an average follow-up of 1.12 years. Sensory testing was performed using the Pressure-Specified Sensory Device by comparing moving and static sensory thresholds at the upper and lower areola and nipple. Nine women served as size-matched, nonoperated controls in the study.

Results:
Primary augmentation mammaplasty was found to have a statistically significant negative effect on sensory outcomes when nonoperated controls were compared with women who had undergone augmentation mammaplasty via either the periareolar or inframammary approach. No differences in sensory outcomes were found between the two approaches used. Implant volume was found to be highly predictive of sensory outcomes, with an inverse relationship between implant size and the degree of sensitivity within the nipple-areola complex.

Conclusions:
Plastic surgeons should feel comfortable counseling patients that augmentation mammaplasty by either the inframammary or periareolar approach results in no discernible differences in sensory outcomes. Furthermore, women who choose very large implants relative to their breast skin envelopes should be warned about potential adverse sensory sequelae within the nippleareola complex. (Plast. Reconstr. Surg. 117: 1694, 2006.)

The body of literature documenting normative breast sensation and postoperative changes in sensation has grown considerably over the last several years. This is especially true in women following reduction mammaplasty. In addition to anatomic studies that have outlined the innervation of the nipple-areola complex, precise sensory measurements have been performed on patients who have undergone reduction mammaplasty by several different techniques, including the inferior pedicle, medial pedicle, and breast amputation--free nipple graft approaches.1?6 Despite the expanding knowledge base on this subject, only one study has been published since 1976 on the comparably larger subset of patients who have undergone augmentation mammaplasty.7 As previous studies have demonstrated, women with macromastia are considerably less sensate in the region of the nipple-areola complex than age-matched controls with small to normal-sized breasts.6,8,9

The causal relationship of this finding has been speculative and is thought to be related to nerve traction injury and decreased innervation density in patients with gigantomastia. Although evidence is anecdotal, women with macromastia who present for reduction mammaplasty are primarily motivated by chronic symptoms of pain and discomfort, the inability to engage in vigorous physical activity, and intertriginous infections. Concerns regarding sensory outcomes are usually secondary and frequently inconsequential, since preoperative sensation is diminished. In contrast, women who present for augmentation mammaplasty are highly sensate in the region of the nipple-areola complex, and in the course of the preoperative consultation there are frequently questions about postoperative sensory outcomes. In women with micromastia, sensation of the nipple-areola complex is often of paramount importance and, in some women, an important source of stimulation during intimacy. Until now, informed consent regarding this issue has been achieved by the operative plastic surgeon by suggesting that sensory loss is a potential outcome, but that sensory outcomes are uncertain and variable.

It is also the practice of some plastic surgeons to discourage the periareolar approach of implant placement in women who voice concerns about the loss of sensitivity, because of the risk of transection of nerve fibers leading directly to the nipple-areola complex. Although other techniques of performing augmentation mammaplasty, such as the transumbilical and the endoscopically assisted transaxillary techniques, have gained popularity over the last several years, the vast majority of breast augmentations today are performed via either the inframammary approach or the periareolar approach. Unlike the two previous studies on the subject of sensory changes associated with augmentation mammaplasty,7,10 we utilized the Pressure- Specified Sensory Device (Sensory Management Services, Baltimore, Md.). Previous studies have employed modalities such as light touch, pain perception to electrical currents, vibratory stimulus, and Semmes-Weinstein nylon monofilaments. Relative to the technologically advanced sensory testing modalities available today, the techniques used in the two previous studies on this subject are considered unreliable and inaccurate.11 Thus, the purpose of this study was to quantify the sensation of the nipple-areola complex following breast augmentation using the Pressure-Specified Sensory Device and to compare the inframammary and periareolar approaches with respect to sensory outcomes.

PATIENTS AND METHODS
A total of 29 women were included in this study; nine of them were nonoperative controls (group 1), 13 had undergone breast augmentation through an inframammary approach (group 2), and seven had undergone augmentation via a periareolar approach (group 3). All women agreed to a 1-hour sensory examination that was performed in the presence of a female chaperone. No financial or other compensation was provided for enrollment in the study. The breast sensory testing protocol was accepted by our institutional review board, and all study subjects gave informed consent for sensory testing to be performed. No woman enrolled in this study reported a history of diabetes mellitus, thyroid disorders, collagen vascular disease, alcoholism, pernicious anemia, known neurological impairment, or history of previous breast surgery. Sensory evaluation was performed in all 29 women (58 breasts) by one examiner using the sensory device. Women were seated in a reclining chair with one breast exposed for testing and the other draped with a sheet. Women were asked to close their eyes so that the computer screen or the breast being tested could not be seen.

A button linked to the computer was placed in the hand opposite to the breast being tested and the women were instructed to press the button to indicate perception of the test stimulus. The nipple and upper and lower halves of the areola were selected as testing sites. At each test site, five readings were recorded. The highest and lowest values were discarded to eliminate outliers, and the mean of the remaining three was reported as the pressure threshold in grams per square millimeter. One-point static and moving pressure perception threshold was measured within a continuous range of 0.1 g/mm2 to 100 g/mm2. Data were entered into an Excel spreadsheet (Microsoft Corp., Redmond, Wash.). Statistical analyses were performed to compare the one-point moving and static sensibility measurements among groups 1, 2, and 3 using the Mann-Whitney nonparametric test between each group. Data for each of a subject?s breasts were averaged for each woman, since the left and right sides are highly correlated.

Group 1: Normative Controls
Nine women served as nonoperative controls. The average age of the participants was 28 years (range, 19 to 38 years; SD, 6 years). Breast size among participants ranged from 34A to 36C. A total of 18 breasts were tested and the results were averaged. Data on these patients have previously been published.6

Group 2: Inframammary Approach and Group 3: Periareolar Approach
A total of 20 women underwent augmentation mammaplasty by either the inframammary incisional approach (13 patients; 26 breasts) or the periareolar incisional approach (seven patients; 14 breasts). In study participants in whom the periareolar approach was utilized, the incision was designed from the 4 o?clock to the 8 o?clock position at the inferior border of the areola. Implants in both groups were placed in either the subglandular or submuscular plane. Study group participants were not further subdivided according to the plane of implant insertion, because study cells would suffer from small sample size and inadequacy for statistical analysis.

Preoperative breast sizes ranged from 32B to 36C among study participants. The average duration between surgery and sensory evaluation was 1.12 years (range, 102 to 1512 days). The average age of participants at the time of testing was 33 years (range, 20 to 47 years; SD, 7 years). There were no significant differences in age at time of testing or in the interval between surgery and testing between the groups of women who underwent augmentation mammaplasty by either approach. The average implant size used was 375 cc (range, 340 to 475 cc) in the periareolar incisional approach group and 428 cc (range, 315 to 700 cc) in the inframammary incisional approach group; this was not statistically different (p 0.05).

RESULTS
Cutaneous pressure threshold values for the nipple-areola complex were determined for study participants in all groups (Tables 1 and 2). There were no statistically significant differences (p 0.20) in values between the upper and lower halves of the areola for each group for one-point moving and static tests; therefore, values for the upper and lower halves of the areola were pooled. Sensory measurements for both nipple-areola complexes of each participant were averaged for each participant (left and right nipple-areola complex), and the nonparametric Mann-Whitney test for two independent groups was performed (Tables 1 and 2). No statistically significant differences were found between women who underwent augmentation mammaplasty by the inframammary approach and those who had the periareolar approach (p 0.51 for each test, nonparametric Mann-Whitney test) (Table 1). Groups 2 and 3 were therefore pooled and compared as a single group (n 20) to normative controls (group 1, n 9) (Table 2). Significant differences were found, with p0.03 for each test. Mean cutaneous sensory thresholds were nearly 10 times greater in women who underwent augmentation mammaplasty by any approach compared with unoperated controls with breast cup sizes ranging from 34A to 36C.

Groups 2 and 3 were pooled and then subgrouped into two categories by length of time from the date of surgery to testing. Six study participants were found to have a follow-up time of between 3 and 6 months. Fourteen study participants had a follow-up time of between 6 months and 4.1 years. No statistically significant differences were found, with p 0.50 for each test (nonparametric Mann-Whitney test). In comparing sensory threshold variations by age at surgery, incision type, and preoperative cup size, a regression analysis was performed and in each case was found to have a p value greater than 0.05. Once each of the nonsignificant variables was dropped from the statistical model, regression analysis revealed that 50 percent of the variation in sensation was found to be attributable to implant volume (p 0.02).

DISCUSSION
The postoperative sensation of the nipple-areola complex after operative procedures on the breast is being investigated with increasing frequency. Despite an increasing body of knowledge on this subject following reduction mammaplasty, there is a paucity of information about sensation after augmentation mammaplasty. No studies, before this one, have compared sensory outcomes utilizing different incisional approaches or sensory outcomes based on differences in implant volume.

Although there are a variety of ways to assess sensation, computer-assisted quantitative neurosensory testing represents a significant advance in our ability to perform continuous measurements. The Pressure-Specified Sensory Device is a computer- assisted instrument that uses a hemispheric probe attached to a force transducer to make continuous measurements of cutaneous pressure possible. It allows for one-point static (Merkel cellneurite complexes, Ruffini complexes), one-point moving (Pacinian and Meissner corpuscles), and moving and static two-point (innervation density) discrimination.12 Unlike nylon monofilaments, which provide only an estimate of the logarithmic range of cutaneous pressure thresholds that cannot be intuitively assessed without advanced statistical transformations, the Pressure-Specified Sensory Device provides continuous measurements of cutaneous pressure, making such statistical analyses and comparisons possible. Normative data for breast sensibility of the nipple-areola complex obtained using the device have been previously published.6 This study represents the first quantitative sensibility analysis that compares postoperative sensation of the nipple-areola complex after augmentation mammaplasty via the inframammary and periareolar approaches.

Precise anatomic studies have previously elucidated the dual innervation of the nipple-areola complex medially and laterally from cutaneous branches of the third through sixth intercostal nerves.13,14 It has always been a theoretical risk that transareolar techniques of augmentation mammaplasty place the sensory outcome of the nipple-areola complex at risk, because of the direct disruption of nerve fibers traversing the inferior pole of the areola. This study has demonstrated that there is no statistically significant difference in sensory outcomes when augmentation mammaplasty is performed via the periareolar or inframammary incisional approach. In the design of this study, women were not subdivided based on plane of dissection (submuscular versus subglandular pocket position). This was because the number of women within each subgroup was not large enough for a statistically valid comparison. The neural anatomy of the nipple-areola complex has been well described, so there is no reason to suspect that implant position, either above or below the pectoralis muscle, would affect sensory outcomes.13,14 Our study design was also limited by the lack of preoperative and postoperative sensibility data on the same patients. A preoperative study, in which study participants serve as their own preoperative controls, is planned. Since the first published report on sensory outcomes after augmentation mammaplasty, a great deal has been learned.

This study disputes the conclusions of the 1976 landmark article by Courtiss and Goldwyn10 that demonstrated a return to normal nipple-areola complex sensation by 6 months after augmentation mammaplasty. Utilizing a far more sensitive testing apparatus than crude touch and pinprick, this study has demonstrated a nearly 10- fold decrease in sensory thresholds after primary augmentation mammaplasty. It was interesting to find that there was no progressive diminution of sensory loss when study participants with an interval of between 3 and 6 months from surgery to testing were compared with participants with a follow-up of 6 months to 4.1 years.

One might have expected to find some amelioration of sensory loss with time as the skin envelope of the breast stretches to accommodate the implant, but no discernible differences were recognized. This suggests that sensory impairments found at 3 to 6 months are not likely to improve with time. The relationship between implant volume and sensory outcome was another primary focus of this study. There was demonstrated to be a strong inverse relationship between implant volume and sensory outcomes. Although this relationship was found to be linear, implant sizes from 315 to 475 cc were found to have the least variability with respect to sensibility outcome. Sensibility outcomes were most variable with implant sizes greater than 475 cc. The relationship found between implant volume and sensory outcome is perhaps best explained by the same forces that act on large pendulous breasts in cases of gigantomastia. In an earlier study, it was demonstrated that control women with relative micromastia (34A to 36C cup size) were far more sensate than control women with gigantomastia (36DD to 46EE cup size).6 It was purported that volumetric differences in the breast were likely related to sensory outcomes because of nerve traction and innervation density, both of which are highly predictive of sensitivity.

There are additional factors to consider, however, with respect to skin tension and the size of the skin envelope relative to the size of the implant. It would be expected that a large implant in a breast with a substantial skin envelope would create less tension than a large implant in a breast with a smaller and tighter skin envelope, which would consequently cause more nerve traction. In the vast majority of women who choose to undergo breast augmentation, there is an improvement in overall body image.7 Despite the fact that significant statistical differences have been found between women who have undergone augmentation mammaplasty and those who have not, it is not clear whether there is any clinical significance to these findings.

Erogenous sensation is a cortical transfer function and is not necessarily correlated to sensory thresholds. The provision of this information regarding sensory outcomes to our patients is only one facet of the informed consent process that patients should undergo before having augmentation mammaplasty. Plastic surgeons should feel comfortable counseling patients that augmentation mammaplasty by either the inframammary or periareolar approach results in no discernable differences in sensory outcomes. Furthermore, women who choose very large implants relative to their breast skin envelopes should be warned about potential adverse sensory sequelae within the nippleareola complex.

Located in San Diego and serving the San Diego County, Del Mar and other California CA areas, Board Certified Plastic Surgeon, Dr. Mark Mofid, utilizes the latest surgical techniques in his practice of Breast Augmentation, Breast Implants, and Breast Enhancement surgery.

Breast Implants 411


Monday, February 16, 2009

Basketball and Jesus



Our church has an organized basketball program managed and coached by Doug White (not to be confused by our pastor who also has the same name). Recently, I asked Doug why he was so passionate about the sport of basketball, and what does basketball have to do with Christianity. I thought his philosophy may be helpful to others who desire to build a church sports program. He expounded that organized basketball can be a great Christian training ground. Doug believed it starts with the right goal in mind: building up believers for their Christian walk. Coach White adheres to the following eight principles:


1. The program leader and coaches must remember the program goal in every activity they undertake. The core to a successful basketball program is conditioning and fundamentals. Those are two things most kids will like the least because they're infected by television sports; where the focus is on the individual player to look as good as possible. By focusing on conditioning and fundamentals, coaches can begin to wean their kids off of the glory-seeking mentality inherent in today's professional sports and develop a TEAM.


2. Every practice must begin and end with a prayer and those prayers should be led by players as soon as possible. The last 15 minutes of every practice should be a Bible study lesson where the players MUST bring a lesson or verse and be prepared to give its meaning and an application to basketball or their daily lives. Every player is required to have their Bible in hand and a lesson written down inside.


3. The Bible study lesson will be one of the most emotionally challenging tasks the players will face. Not only do they have to read and understand, but they also have to speak in front of their peers. To demonstrate how simple the task really is, Coach White will lead the first 2 or 3 by turning to a chapter in Proverbs. Proverbs is an easy book to use because it's built around life lessons. The challenges faced on the court boil down to challenges in life: anger management, cooperation, physical effort, pain, disappointment, and joy. The requirement to have a lesson on a piece of paper can be answered simply by writing a Proverb on a piece of paper with the point the player is trying to make. Those without a Bible or lesson earn a martyr (what the secular world calls a suicide) for each infraction. The penalized player will run while we prepare the lesson.


4. Coaches need to remind their players that all the heavy conditioning will be lifelong examples the players can use when basketball becomes just a fond memory. Working hard and hammering their bodies into fit vessels will make their brains more alert and able to accomplish seemingly impossible physical tasks for years into the future. And if some of the players actually choose to become missionaries, their physical training will form a great basis to endure the hardships in third world countries.


5. To successfully reach the primary goal of improving our Christian walk, basketball games become framed in the context of physical contests and opportunities to demonstrate a Christ-like attitude. Christian players do NOT challenge or complain about a referee's call. The Christian player appreciates the referee's difficult position of managing chaos and understands the thankless job they've undertaken. Complaining about a call, rolling their eyes, or hot-dogging earns them an immediate spot on the bench where they can see the cost to their teammates of their absence.


6. The other team is not he enemy but are brothers that challenge us. If the other team is secular, then we become a team of witnesses of how Jesus would behave and how He makes us different. The goal as a Christian team is put out an effort level Jesus would be pleased with, and an attitude that makes fans and players both wonder how it can be in today's world. As Christians playing basketball, we should be victorious whether we're winning or losing the game.


7. When the game is over, win or lose, the players must understand that God is in control. God is a details kind of guy who has numbered the cattle on a thousand hills, so he knows exactly what went on during the game. And He watches what happens AFTER the game. Win or lose, the Christian team is the envy of every fan and every coach because of how they behave AND how they play. As the coach for a Christian team, you model that same attitude. No team is ever lown out by your team, no matter how poor their skills. Every team gets the same level of respect you want for your team -- even if that means you put a lid on your best players, denying them the opportunity to score at will. We still play hard and give our best effort, but we can always stop short of running up the score.


8. The real measure of success for the coach isn't the won-loss record, but the activities his players become involved in once basketball is over. A successful coach will have successful PEOPLE graduating from his program, and they, in turn, can positively affect the people they come in contact with as they go through life.


Coach White's basketball link can be found at www.ebiblechurch.net.

About the Author


Johnny Kicklilghter is a member of Edgemont Bible Church located in Fairview Hts, Illinois.

Saturday, February 14, 2009

Top Locations for Property in North Cyprus

While the world is in agreement that property for sale in North Cyprus represents a fantastic investment opportunity because rental and resale demand is soaring while at the same time property prices remain incredibly affordable, there are certain parts of the island that make the best property investment hotspots.

It is not a case of every location being equal or of every property of a similar size and specification being worth the same in Northern Cyprus - just as it does anywhere else in the world location, location, location counts in North Cyprus.

The first location worthy of closer inspection is Esentepe to the east of the island and a twenty minute drive from the ancient harbour town of Kyrenia. Esentepe is home to a brand new, international standard, championship golf course - furthermore it is the location for the very first marina being built in Northern Cyprus.

Naturally enough these two factors alone create great reason for property in Esentepe to be highly prized, but there are a number of other reasons making this location worthy of closer inspection. Firstly land in the area is now selling for a premium as developers try to get in on the property boom, secondly rental demand for properties in the area has gone through the roof following the completion of the golf course, and thirdly the entire surrounding area is totally unspoiled, it is covered in lush olive and carob trees, the beaches are pristine and undeveloped and the people live in their traditional houses and still enjoy an unhurried and stress free kind of life.

Properties in Esentepe start from GBP 60,000 for duplex apartments within the golf resort and go up to around GBP 200,000 for custom built, luxury detached homes. Prices in this part of Northern Cyprus have been appreciating rapidly in the past 4 years.

The next area worthy of consideration is Alsancak which is to the west of Kyrenia and just a ten minute drive from the heart of the old town of Kyrenia. Alsancak is one of the most popular parts of Cyprus with holiday makers, there is a great deal of development already earmarked for the area and there's an abundance of beach clubs, bars and discos in the area. For property investors hoping to let their properties out during the long hot spring and summer seasons in Cyprus, Alsancak is most certainly worthy of consideration.

And finally - unspoiled, untouched and as yet almost undeveloped Karsiyaka which is a thirty minute drive to the west of Kyrenia. With its hidden coves, sandy beaches, stunning mountains and beautiful countryside, the area of Karsiyaka is going to become one of the most desirable places to live in North Cyprus because the government has set incredibly strict planning rules to prevent over development and to allocate a great deal of space for the likes of another golf course and marina, and also they have allocated space to be left completely untouched. This part of Cyprus is unique and it has to be seen to be understood and experienced!

Karsiyaka will become home to the discerning buyer, those looking to escape to a better quality of life in a superior location. Currently there are few developments in this area of the island but those that are available start from around GBP 80,000 for a two bedroom bungalow.

Rhiannon Williamson writes about real estate investment in emerging markets around the world and specifically profiles exciting investment property locations. To read more real estate property in North Cyprus click here.

Friday, February 13, 2009

More Than Just Strollers

The Combi stroller line has a number of great strollers to choose from when you’re looking to purchase your first stroller. In fact, Combi has so many choices it can be a bit overwhelming. When choosing a stroller you have to first think about what you want exactly. Do you want a stroller only? Do you want a system that gives you both stroller and car seat working together? Do you want something that can accommodate exercise or two children? The great thing besides a lot of choices is that you can also expect most Combi strollers to be lightweight and compact. In my research I didn’t come across any Combi models that appeared to be a hassle. Whatever it is you’re looking for in a stroller, Combi should be able to accommodate you and your family’s needs.

Many of the umbrella Combi Strollers are lightweight, compact and come with a shoulder strap. They are also affordable range from very inexpensive to relatively expensive. The Combi City Savvy Stroller comes in a variety of colors not typical of strollers. Its fashionable, modern look gives it the Combi Savvy Stroller appeal for the city dweller. This umbrella stroller weighs only 12lbs and can form a travel system with the Combi Connection Infant Seat! The infant seat boasts a five-point harness and is good for the first year or until your child reaches 22lbs.

Also, available is the Combi Cosmo DX Stroller that comes in colors mango and keylime. The Combi Cosmo DX is one of many Combi lightweight tri-folding strollers and weighs only 13lbs. It is a reasonably priced duo-system you don’t want to overlook. The Cosmo DX (chocolate) is a top of the line stroller with a five-star rating. In addition to the mango and keyline models above, this version has a canopy and viewing window, front swivel wheels along with removable guardrail and washable cover.

In addition to just being a stroller, Combi offers a number of travel systems. This combination makes it a two-way system that functions to serve you and your child while you are out and about your daily routine. The Combi Cosmo ST Travel System accommodates the Centre ST Car Seat, which is part of the LATCH system. It comes with an energy absorbing foam that keeps the child’s head both cushioned and comfortable in case of an impact. The DK-5 Ultra Lite Travel System is another one to check out. This stroller comes in three different colors, is lightweight and portable. It also comes with a shoulder strap for parents on the go. I personally love the look of this stroller and at first glance one can see the ergonomics of its snail-shape build. And lastly, Combi also has a Twin Savvy EX Double Stroller. This Combi Double Stroller again, is lightweight and compact. It can also by itself once it is folded!

About the Author

LynnMarie is On-Line Editor for Babyage.com which is one of the top online retailers of Strollers with a wide variety of Combi Strollers for you to choose from!


Wednesday, February 11, 2009

Consider Homeowner's Insurance When Purchasing Real Estate

Whether it?s a buyer?s market or a seller?s market, real estate is always a hot business. Sure, everyone likes a good deal, and many buyers choose to purchase a home when prices are low, but the fact is people always need places to live; that doesn?t change just because property prices are high at a particular time.

There are ways to save money when shopping for real estate that go beyond just shopping during a buyer?s market. Once you?ve figured your budget and have a general idea of what kind of home you?d like to buy, it?s time to go house hunting. This is where saving money comes into the picture.

In order to save money on real estate costs, many people opt to purchase ?fixer upper? real estate. A ?fixer upper? is a home that needs a lot of work; maybe new floors, new windows, even a new roof. Buyers choose a ?fixer upper? not only because the price is less than that of a home that?s in move-in condition, but also because they see great potential in the home.

While it?s true that buyers can save money by purchasing ?fixer upper? real estate, they can also lose money in the long run. Aside from the costs of repairs during the ?fixing up,? homeowner?s insurance tends to run much higher for people whose homes aren?t in the best condition. Homeowner?s insurance isn?t usually mandatory, but if a buyer has to borrow money from a bank in order to purchase the real estate, the bank may just require the buyer to purchase homeowner?s insurance until the debt is paid off.

So, the next time you head out to purchase real estate, keep in mind that you may be required to purchase homeowner?s insurance, as well. A ?fixer upper? might sound good when you?re making your offer, but it might not sound as good once you start looking for homeowner?s insurance.

Get Affordable Car Insurance Information Online

Home Owners Insurance Quote

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Tuesday, February 10, 2009

Downgrade PSP

Downgrade Psp? you ask, what the heck is that? Well if you have had your Psp for a little while now you might have heard of a Downgrade or downgrading you Psp. When referring to a Downgrade you are talking about returning your PSP firmware to an earlier version which had exploits that certain smart people could take advantage of, in this case we are talking about version 1.50.

When Sony found out that there were exploits that could enable people to play games that weren't released by Sony themselves they released Firmware Updates (this was known as Upgrading your PSP) in the hope that this would make PSP users only purchase Sony UMD Games and Sony UMD Movies. Much to the annoyance of Sony when they started releasing firmware updates people started to try and find ways to hack the firmware so they could return the PSP back to a 1.50 which would once again allow them to play other games.

These other games and applications are known as Homebrew and are developed by programmers who want to release these games and applications free of charge to other PSP users around the world. This is the big attraction of a PSP Downgrade and is why people take the risk of downgrading their PSP. Currently there are 100's if not 1000's of homebrew games and applications available to download for free. Not only are there homebrew games available for the PSP user who has gone through the PSP Downgrade process but there are also 1000's of old school games that you can play on you downgraded PSP, games like Donkey Kong, Mario Brothers and more.

So can you downgrade any PSP?, well at the time of writing you can downgrade any PSP that is firmware version 3.03 and below, this includes PSP's with the TA-082 motherboards which up until a wile time ago were not able to be downgraded with ease. Unfortunately those with a PSP that is higher than 3.03 cannot downgrade as of yet but it is only expected to be a matter of time before a downgrader is made for those particular models.

All you have to do if you have one of the PSP's that can be downgraded is find the correct downgrader. You must make sure that you use the correct downgrader or you risk bricking (rendering inoperable) your PSP. Once you have found the appropriate software to downgrade it, make sure you follow the instructions exactly as they are printed. If you do not follow those instructions exactly you will again brick your PSP. Once you brick your PSP your only option is to get it Mod-Chipped which would cost you around $100 or use it as a rather expensive paperweight.

The benefits of doing a PSP downgrade are numerous, the free games and applications, the DVD collection that you can back up and watch on you PSP all make the risk worth the reward.

Downgrade PSP today!


About the Author:

Terry Dunn is webmaster of http://www.PspVideoGuide.com the only resource online that shows you how to Downgrade PSP step by step using video and shows you how to turn your Psp into a fantastic multimedia centre.


Monday, February 9, 2009

Monopoly The Board Game

Monopoly is a real-estate trading game for two to eight players. Players move their piece around a board by rolling dice, the board being divided into various properties and special squares.

Players can acquire the properties, and once they have a set of related properties, improve them with houses or a hotel. When a player lands on another player's property, a rent is charged, the amount of rent being based on the whether the owner owns the whole set of related properties, whether the property has been improved with houses or a hotel, etc. Players can also sell properties to each other, and an important part of the game is striking such deals with other players.

The winner of a Monopoly game, is the player who drives his competitors to bankruptcy, however, as it can sometimes take many hours to reach this point, you can calculate who is winning after a set time period, by calculating each player's total worth.

There is a considerable amount of luck in Monopoly, and a few crucial dice rolls or Chance cards, can have a major impact on the game. However, skill is also involved, particularly in negotiating with other players, and assessing which properties are likely to be most profitable to acquire and develop.

There are many versions of Monopoly, as well as theme-based editions, and editions based on various cities around the world.

The game of monopoly is published by Hasbro, under the Parker Brothers name in the United States, and the Waddingtons name in the United Kingdom. According to some estimates as many as 750 million people are believed to have placed the game since it was first patented by Charles Darrow in 1935.

Originally published at http://www.brainchallenges.com/monopoly.php - Visit this site to buy the board game or get Monopoly for your computer!

By Sunil Tanna

Sunday, February 8, 2009

Common Backgammon Terminology

Ahh, the language of backgammon, it is enough to make anyone turn and run away. Are you new to the backgammon scene? Do you get that blank look in your eye when you hear the word Anchor? Are you completely confused when someone claims they got a joker? Do you just stand there wondering exactly what a pip count is? Well, you are not alone, backgammon terminology can be extremely confusing, and what is more there are tons of them.

In this article, we will have a look at some of the most common terms used in backgammon and what they mean. After reading this article, you will go to your next backgammon game and be able to fling around the terminology like you are an old pro. Let's get started shall we?

Anchor - Two or more chips occupying any point within the inner board of the opponent

Joker - A lucky roll, a great roll, one that has the ability to affect the game's outcome in a person's favor

Pip Count - This represent the points in which a player is required to take in order to being bearing off. In the beginning of a game, each player starts with 167 as their pip count. This stands for:

- Point 24 - 2 chips= 48 pips
- Point 13 - 5 chips = 65 pips
- Point 8 - 3 chips - 24 pips
- Point 6 - 5 chips - 30 pips

For a pip count of 167 each.

Point - In backgammon, there are twenty-four points. This is not the score by any means, instead, this is the triangles that represents the spaces. However, this can also be used in scoring, in terms of how many points or wins the game is worth. For example, if a person wins a single game, it is worth one point, ?gammon? wins 2 points or a double game, and Backgammon is worth 3 points or a triple game.

Single Game - A game won by bearing off all chips before the opponent, when the opponent is bearing off as well.

Gammon - A game won by bearing off all chips before the opponent, when the opponent has not begun bearing off.

Backgammon - The name of the game, as well as a win. This win occurs when a person bears off all chips before the opponent and the opponent has not begun to bear off, and the opponent has a blot on the bar.

Bear off - This is the act of removing backgammon chips off of the board.

Blot - A single backgammon chip susceptible to attacks by the opponent.

Hit - To attack the blot of an opponent, the blot is then placed on the center bar of the board.

Hit and Cover - You not only attack the blot of your opponent, but you also keep moving that same chip, in order to protect the blot you would have otherwise left vulnerable.

While there are many more terms in backgammon terminology, the above are a few of the most commonly used. Before you know it, you will be talking and playing like a backgammon professional.


About the Author:

Lee Dobbins writes for http://backgammon.games-webzone.com where you can learn more about playing the game and get great winning strategies for backgammon.


Saturday, February 7, 2009

Choosing The Right Educational Video Games For Your Children

Video games are among the most popular toys today. Children of all ages spend a lot of time engrossed in the latest action-packed video console or computer game. For this reason, it is important to choose video games that are educational, rather than those that contain violence or other content not suitable for children. There is a host of video games on the market perfect for children. These games incorporate education into the fun of video games, giving both parents and children lots of safe, educational options to choose from.

Though there have been serious concerns over the past few years surrounding the adverse affects of frequent video game playing on children, playing video games can have some positive effects as well. First, games can provide children a fun and social form of entertainment, especially when played in pairs or even teams. This allows children who share similar interests the opportunity to learn from each other while having fun in a pressure-free environment. This also helps to encourage teamwork and cooperation, two attributes that are essential to a child's social education.

Video games can also make children feel more comfortable with technology. This may not be as much of an issue as it used to be, as many children are now learning basic computer skills at a young age, but it is still an important factor since technology changes so frequently. It also gives them the opportunity to share their knowledge with other children, and to learn from their experiences in a particular game or format.

Playing educational video games can also help build a child's self-esteem as he or she masters more and more different levels in a particular game. More importantly, it can also teach children to feel good about having fun in a non-competitive environment.

However, the main goal of educational video games is, of course, to help educate. Educational video games can improve the development of math, reading, and problem-solving skills. This kind of practice --practice that your children will want to take part in-- can help them with their schoolwork, as well as help them to catch onto particular subjects more quickly.

Video games can also help the improvement and development of eye-hand coordination, as well as fine motor skills. This will be very important to any child's future, and can be instrumental in developing a child's interests and special skills. This is also a good way to encourage your child to use different parts of his or her brain.

No matter which educational video games you choose, be sure they do not contain any features that would not be suitable for your children. Since the objective is to learn, they should help build useful skills and be thought-provoking. These games will also provide your child with hours of fun, while helping to build some of the most essential basic skills.


About the Author:

Master Mind Toys, fun and educational children's toys. Bob the Builder, Dora The Explorer, Lego, Thomas The Tank Engine, Trading Spaces, Baby Einstein, Childrens Toys, Playmobil, Robosapien, Radio Flyer.http://www.mastermindtoys.com/


Thursday, February 5, 2009

Choosing the Right Car Seat For Your Child

It can be a mind-boggling task when it comes to choosing the right car seat for your infant or child. There are so many choices out there. You want one that is safe, easy to use, fits into your vehicle properly and is appropriate for the age of your child.

The first step in determining what is the right car seat for your child is to take a look at all different types of car seats and booster seats.

Infant Rear-Facing Car Seat

If you child is an infant under the age of one they should secured in an infant rear-facing car seat. These are designed for babies under 20 pounds. These should be installed in the back seat with the seat facing the rear. The seat should recline at approximately a 45-degree angle. Harness straps should be snug and sit at or below shoulder level and the harness clip should be at armpit level.

Convertible Seat

Some parents prefer to purchase a convertible car seat which can be used as a rear-facing infant seat when child is less than one year old and weighs between 20 to 35 pounds and then used as a forward-facing seat when the baby is more than a year old and weighs at least 20 pounds. These seats can usually be used until the child reaches 40 pounds and is 43 inches in height.

Forward-Facing Seat

A standard forward-facing car seat can be used when the child is over the age of one and at least 20 pounds and up to 40 pounds and around 43 inches in height.

High-Back Booster/Harness

When your child is one to four years of age and at least 20 pounds to approximately 40 pounds then they are ready for a high-back booster seat or harness.

Used Car Seats

Often parents are given hand-me-down car seats for their child or purchase a used car seat. A used car seat can be safe for your child, but there are several things that you need to look into before you use it.

* Do not use a car safety seat made before January 1, 1981. Car seats manufactured after that date are required to meet stringent federal safety standards.
* Do not use a car seat if it is missing the label, which lists its manufacturing date.
* If the car seat has missing pieces or is broken, it may be unsafe to use.
* Never use a car seat that has withstood the stress of a crash.
* Since the average safe life of a car seat is not known, so it is recommended that you not purchase a car seat that is over 10 years old.

Important Factors When Purchasing

When purchasing a car seat it is important to consider these things:

* Is the seat the right size and type for my child?
* Does this seat provide the best fit and comfort for my child?
* Will this seat fit securely in my vehicle?
* Is this seat easy to use?

When purchasing any seat it is important to fill out the registration card and mail it back so if there is a recall on the seat you will likely be notified. You can also obtain recall information through the National Highway Traffic Safety Administration by calling 1-800-424-9393.

Enjoy your family and find the best deal on the auto insurance coverage you need. Visit us today for money-saving tips and receive free quotes for cheap car insurance for your family from respected insurance companies.

By Levi Quinn

Wednesday, February 4, 2009

Ashtanga Yoga Basics

The word yoga originates from Sanskrit, which is an ancient language from India. It means union particularly of the body, spirit and mind. The yoga that we know today is what is termed as asana, which pertains to postures and poses.

Asana is just one of the eight types of yoga. It is more physical compared to the other types of yoga, which are more directed towards the development of mental and spiritual aspect of an individual. At present the word yoga is used synonymously with asana.

Basic Yoga Poses
If you want to try some basic yoga stances just to see whether you can do it or not, then the sun salutation is the way to go. It is easy to follow and very relaxing. Since this is your first time make sure that you focus on your breathing and then follow the following procedures one at a time carefully and slowly:

Breathe in again while looking up. Bend your left knee and put your left foot in front while lunging forward. By the way your right leg should be behind you and your knee should be resting on the floor.
While breathing in, position yourself in a push-up pose keeping your head and your hips off the floor.
Breathe out; bend your elbows and your chin with your chest and knees to the floor while at the same time keeping your butt and stomach off the floor.
Inhale or breathe in and then slowly slide your chest forward while arching your back and slightly bending your elbows. This position is called the Cobra.
Breathe out slowly as you fold your body forward and while at this position try to lift up your heels and try to form a V-shape using your body. Remember do not rush your body into doing this exercise. Take your time.
While inhaling, lunge forward using your right foot. Your left foot should be at the back with knee on the floor and your head facing up.
Release air slowly and then try to bring your left foot to meet the right foot. Stand up and bend forward. Try reaching your knee with your head.
Inhale, stand and keep feet together. Lean back and then stretch your arms behind you. Slowly bring your arms at your sides. That concludes your basic yoga fitness stance.


About the Author:

If you would like to know more about Yoga and fitness, yoga accessories buying tips and Ashtanga Yoga Basics visit http://yoga.zupatips.com a site dedicated to Yoga.




Monday, February 2, 2009

Nursery Decoration Is Fun

If you have a new baby on the way then decorating the nursery is key to prepare for your baby?s arrival. You?ll want to decide on a budget and then take an inventory of everything you need for your nursery. You?ll need furniture such as a crib, lighting for the room, paint for the walls, pictures to go up, bedding for the crib, and shades or drapes to cover the windows. You?ll probably be focused first and foremost on the crib. If you don?t have a lot of money to spend then try to find your furniture on the cheap.

You can go to thrift stores or flea markets to find furniture. You could also ask around to your family and friends for any baby furniture they may have for you to use. You can get a great crib at a garage sale too. You should also look at large retailers like Walmart or Target for a good crib. You can save a lot of money shopping at a big store like this. You should look at furniture by Graco, Century, or Bassett Baby Furniture if you want to save money on baby furniture. You can get a lot of decorating help if you go to a Bassett store for your furniture needs.

You can also consider buying Baby Dream Furniture if you have a tight budget to work with. They have a great selection of furniture to choose from and you find it in over 300 stores all over the US. If you want a more refined and elegant look than discover Pali. Pali is an Italian brand that makes lovely baby furniture that would look great in any nursery. Pali offers baby furniture in a wide array of classic looks and their furniture is very comfortable for babies and small children to use.

Another great brand to try out is Delta Baby Furniture which combines a great look with high quality. Their products last for many years and you can pass them on to your grandkids to use! You will want to buy their products if you want something really durable. They have bassinets, changing tables, toddler beds, strollers/walkers, and portable cribs. The Jardine baby furniture company can give you a great assortment of rocking chairs, toddler beds, and tables to choose from. They have great products and good prices.

Once you have your furniture all sorted then you can decorate your nursery as you wish. Do the furniture part first and then work on the walls and the wall hangings. You?ll want to have the furniture selected before you choose the d?cor since it is the most important part of the room.


About the Author:

Concentrating on informating about woodworking tools, Ray Walberg wrote normally for http://www.insidewoodworking.com . His writings on wood working patterns can be found on his website .


Sunday, February 1, 2009

Pre Engineered Metal Buildings

Pre-engineered metal buildings are created by qualified engineers and experts to guarantee a high-quality, versatile product. There are many uses for pre-engineered metal buildings.

There are quite a few agricultural options when it comes to pre-engineered metal buildings. These options include metal barns, buildings for equipment storage, houses for your animals and horses, and storage for your crops. Since these metal buildings are pre-engineered, you know that they are specifically designed to accommodate your particular purpose.

You can also purchase pre-engineered metal buildings for your home. You can find metal sheds, garages, larger storage options, home additions, porches and decks, and metal homes. You can either choose to install the kit yourself or ask for an expert. Keep in mind that metal buildings are sturdier than wooden buildings and are often portable, which makes them great options if you move frequently.

Pre-engineered metal buildings can also have industrial uses. You can purchase large storage buildings to house equipment, to provide additional office space, to use as a welding shop, and to serve larger warehouses. Keep in mind these are just a few examples of metal buildings that can be used in industry. In addition, you can purchase garages that can be used as a shop for mechanics as well as airplane hangars.

So, no matter what your needs are, you can more than likely find pre-engineered metal buildings that will suit your purpose. This option is sturdy and will offer more protection against the elements than the traditional wooden structures. They can also save you money.

Metal Buildings provides detailed information on Metal Buildings, Metal Storage Buildings, Metal Building Kits, Commercial Metal Buildings and more. Metal Buildings is affiliated with Pre-Fabricated Steel Buildings.