Understanding Prepping and Survival Tips

Prepping is a phenomenon that has become so widely spread and popular in the recent years. This has gone to an extent of the making of TV shows that focus on prepping. There are people who are extremely prepped for catastrophe that could possibly hit the world and this is something that has caught the eyes of the public.

Simply defined, prepping is preparing for the uncertain future. This means that we are all technically peppers. This is because everyone is busy preparing for life. However, there are people who prepare more than others and go an extra mile. This is what makes preppers stand out from the rest of us.

The prepping culture

Prepping has really spiked over time. There are things that have been witnessed over the last few years that have actually been rather shocking. Things like terrorist attacks, earthquakes, hurricanes, oil spikes and so on have led to a threat of food supply. Such things have caused collapses in the markets and many people have lost homes and retirement funds. It is because of the unfolding events that most people are so concerned and decide to learn more about prepping.

In other generations, prepping was just life. We have become so dependent on the modern conveniences and technologies that we have invented. This has led to the loss of all those basic skills that were freely learnt before technology came along such as farming, hunting and so on. In the past, one had to be self-reliant. The recent disasters have made people start to reconsider exactly what they would do should natural disasters strike or the economy collapse. This is what has made the prepping culture spike so much today.

What it really is

We all prep just like laid down at the start of the article but it is the level that it is done that shows the true enthusiasts from the rest. Preppers do more than the average people. They acquire skills that would be enough to let them survive even if their area was hit by a catastrophe. Preppers also stick together and they build a relationship with people of a like opinion.

It is all about being able to be a survivalist regardless of what happens in the future. There are those that go ahead to take a course on the same just to remain prepared for the unseen future.

Prepping is a great attitude with great potential to help the community as well as relatives. There are those that take it too far, but that is a personal thing and they shouldn’t be judged for it. Learning survival skills can actually be lifesaving in the future as we do not know what lies in wait for us.

Profile of preppers

There are different answers to these questions. Of course it is about preparing for whatever is thrown at us at random times and it may have to do with natural disasters, finances and so on. Preppers are self-reliant and they are not afraid to take care of themselves. They are also conservative on political matters and they don’t wait for handouts.



Source by Buck Jones

Tips and Tricks to Make Your Blog Known

Learning about social media sharing is required when you desire to make your website known, especially because it represents a huge part of the gaining-notoriety process.

• Social Media Sharing across multiple social networks

Posting all of your content all at once with the help of a Social Media Sharing feature is quite useful for a blogger. It offers auto-posts on multiple social media profiles for free, while it adds media pages/groups, along with multiple accounts per network as premium features.

• Auto Posting

You may be wondering how auto-posting is possible since each and every social network requires a specific format for the posts. Also, auto-posting can be scheduled after your own will, meaning that you can either share your posts all at once or select the time and date when you’d like to publish (premium).

• Customizing Posts

You will be even able to edit OG parameters, link post or image post formats or the HTML markup and custom details such as typefaces, headlines, links to syndicate your posts on other blogging platforms such as Medium, Tumblr, or Bloglovin, etc.

• Drag and Drop Calendar for Scheduling Social Media Posts

With the premium upgrade, the plugin offers multiple options for scheduling, auto-scheduling, and automatically re-sharing the posts. A Drag and Drop Calendar helps to schedule the posts across multiple channels.

• Social Media Reporting

Keeping track of your posts is also important and with the social media reporting feature, you will be able to do it with just a few steps. You can visualize every already-shared and scheduled blog posts and decide if they need a re-sharing. Users and administrators of the website will have different set-up attributions.

• Find out what you need

Firstly, as a blogger, one will need to find out what kind of service they want for their website. This can come in handy when a blogger doesn’t have the time or the patience to post qualitative content at favorable rushing hours. Automation is what blogs are striking for and this is what makes a great plugin to download. It can help its users with social media reporting, connecting multiple social networks, customizing sharing and scheduling or even keeping track of the following reports.

All things considered, why are you still waiting? If you care about your blog and you truly want to gain as many visitors and interactions as possible you will need to make good use of such products as soon as possible. You will be capable of seeing the powerful effects of automation in no time. Plus, you will be amazed to see how much free time you are going to gain while your posts become viral. It’s a win-win situation!



Source by Rizvana Manzoor

Top 3 Tips For Quick Conception

If you’re very quickly trying to conceive- please keep in mind that there’s not a set time-frame for how “quickly” a couple gets pregnant or not.

What is relatively quickly for one couple, may not be the same for the next. Patience is absolutely a must when trying to conceive. With that said there are things you can do to help get pregnant faster in other words sooner rather than later There are 3 top tips for quick conception that any couple can use starting today.

1/ – Don’t have sex more often than once every other day. This might sound odd, but for quick conception- once every other day is better. The reason for this is because sperm count levels actually need time to build back up, if you’re intimate more often than every other day it will actually lower a man’s sperm count.

Sperm is you friend and you want has many as you can get to improve your odds of quick conception.

2/ – Missionary position is best for quick conception, possibly add a pillow under the woman’s hips to elevate them. The missionary position is far more effective in helping achieve quick conception because allows for sperm to go deeper into the vagina and basically “coat” the cervix. Sure I know, missionary may sound boring but when it comes to getting pregnant it is one of the most effective positions.

3/ – Make sure your sexual encounters are as exciting as possible, without putting pressure on either partner to “perform.” Sexual excitement can increase sperm levels, and the cervical and uterine contractions during a woman’s orgasm will actually help increase chances of conception.

To conclude follow the above tips so that you can conceive that bundle of joy sooner rather than later.



Source by Benjamin Wise

10 Tips For Business Startup Owners

Every entrepreneur can use some advice when it comes to making sure their business startup gets off on the right foot. From the best way to run your business to following your dreams, these tips offer sound recommendations that can help your business startup maintain its operations and find success at every turn.

Sure, your business may run into challenges, and you may make some mistakes along the way, but it is how you recover that matters. Use these tips to your advantage when it comes to ensuring you avoid the pitfalls that others have fallen into as a first-time entrepreneur.

1. Be Passionate About What You Do

When it comes to business, doing what you love makes it that much easier to do well. Find a business that you can excel at and throw yourself into. You should have an underlying passion for the market, product, service, or brand that you are selling. In order for it to succeed in the market place, you need to believe in it, and then your customers will follow suit.

2. Believe In Yourself

Every entrepreneur doubts themselves at one time or another, but you need to fully believe in your capabilities and strength. Mistakes are inevitable, but understanding that you will fail at times can help you rebound and move forward with great resilience. Recognize that you have what it takes to make it and send that doubt packing as only when you truly believe in yourself and what you are doing will success come knocking at your door.

3. Listen To Advice From Others

Many others may have come before you with their own business startups. Learn from their challenges and heed their advice. They can allow you to steer clear of potential issues and make it easier for you to operate as a business startup. From finding funding to working with an angel investor, other entrepreneurs have experience that you can gain from and use to your advantage if you are willing to listen.

4. Watch Your Overhead

You need to realize that you are business startup out of the gate. This means watching your cash flow and setting up shop in that swank office building on 5th Avenue may not be a possibility at this time. Keep things simple and observe your cost structures. You may need cash down the road and being on the hook for high rents or loan commitments can make it difficult to spread your wings. You’ll get there. Have patience and watch for the right opportunity to grow. Remember that patience is a virtue.

5. Know Your Competition

Ignoring your competition as a business startup will get you nowhere. Be sure to thoroughly investigate everything there is to know about your competition and make your products and services better. Find out where your competitors are lacking and seize this opportunity to secure market share. Knowing your competition can give you that leg up your need to get ahead in the market and appeal to consumers in a new way. Do your homework and keep an eye on your competitors at all times.

6. Practice Your Pitch

You are the greatest salesperson for your business startup. Whether you are looking to secure funding from an angel investor or looking to gain more customer loyalty, you need to have a pitch on the ready to tell anyone and everyone you come in contact with. Be concise in your approach and be sure to mention your goals, values, and vision. You never know who you’ll meet, and you need to be ready with a pitch that impresses.

7. Get Out And Network

Networking is a key part of any entrepreneur’s success. Connecting with others in the industry can help you develop relationships that may come in handy for your business startup down the road. Plus, you will continue to learn from these individuals and a new opportunity with one of them may be just around the corner.

8. Ask For Help

As much as you want to do it all, there comes a time when we all need to ask for help. There is no shame in getting someone involved in your business startup to help take it to the next level. You are going to need help as time goes on to evolve your company and reaching out to someone you trust may be the best thing that you can do for your business startup. You’ll be able to offload some of the burdens and free yourself up to focus on new projects that have been sitting on the back burner.

9. Continue Learning

With the most successful CEOs reading four to five books a month, taking a page from their playbook can help extend your business startup and move it forward in new ways. Keep the door open and continue to educate yourself by learning from others. Reading books that focus on self-help, business, motivation, leadership, and communication can continue to motivate you and your company. If you keep your learning continuous, you’ll find plenty of new ideas just waiting to be realized.

10. Don’t Give Up

Above all don’t give up on yourself. Even when times get tough, and you feel like throwing in the towel. Take a step back and appreciate how far you have come. If you have the drive and motivation to succeed the potential to make it in the market is there. You need to believe that you can do it and push yourself harder than you have ever done before. With hard work comes success and you are most likely just on the cusp of winning.

These tips will help you find the recipes for success for your business startup and set you on the path to thrive in the marketplace. If you are looking to secure an angel investor for your business startup, We can help you. It offers an array of informative resources on creating business plans as well as a diverse and extensive range network of angel investors.



Source by Pierre Jean-Claude

5 Tips For Sex On Your Period

Having sex on your period will not appeal to everyone but it can offer a surprising benefit. With your libido increasing as your menstrual cycle approaches, your vagina is likely abuzz with a multitude of extra sexy senses. And that means that having sex during your period actually makes having an orgasm that much easier to achieve.

Follow these tips to help you get over any inhibitions and tap in to the likelihood of quicker, stronger, orgasms during sex on your period.

6 TIPS FOR SEX ON YOUR PERIOD

1. The best rule for having sex on your period is that you do not have to jump in and go crazy on the first day of your period. It will be messier and for some a little sensitive, so wait a day or two before giving it a go.

2. If you feel self conscious about any odor, use a sturdy flavored condom to help mask any smell. However, having a shower beforehand is the best way to prevent any odor.

3. Always discuss with your partner what you are both comfortable with beforehand. If sex on your period for you does not include cunnilingus then there are plenty of other ways to stimulate you. Keep in mind that although oral sex during menstruation can be even more of a taboo than just intercourse, many couples do actually participate in it. So as possible from a possible metallic taste, having cunnilingus while you are menstruating is nothing to afraid of and can be done safely between two committed partners.

4. It goes without saying that having sex on your period is always best when you are totally clean. Have a shower beforehand and if you're still not completely confident due to the 'ick' factor, stick to the positions that will create less mess. Missionary is a good way to start out with a dark towel underneath you to spare your sheets. Have a shower together afterwards so you will feel at your sparkling cleanest best.

5. Having said that, sex on your period is always an excellent excuse for shower sex. Get hot and steamy together in the shower without having to worry about your natural lubrication washing away. Your period makes you naturally more wet allowing for slippery sensitive shower sex.

6. If sex on your period all sees too messy you could consider the sponge to avoid messy period sex. Available from most pharmacy's, the sponge is a small natural or synthetic piece of sponge, that is inserted up in to the vagina to absorb menstrual flow. Once removed it is rinsed and washed for use again. If inserted high enough, it can stop the flow of blood during sex and should also be undetectable to your partner. The advantages are obvious, but retiring it with your fingers can be tricky a task.



Source by Jane L

Tennis Betting – Tips For Exchange Betting on Tennis Matches

By choosing tennis as your preferred sport for betting, you have already given yourself an “edge” against those who bet on or offer odds on other sports. To use this “edge” to make money consistently, however, you’ll need to understand two fundamental principles first. Then apply the power of mathematics.

Principle #1

It is sheer folly to place a tennis bet (or a bet on anything) with a “traditional” bookmaker. The expression “You can’t beat the bookie” is axiomatic; you just cannot beat the bookie over time. It’s because the odds are always mathematically calculated in favour of the bookmaker. Everyone knows (or should know) that the bookie’s mathematical “edge” against the punter is necessary for him to make a profit so that he can stay in business.

Computer technology has given rise to a new form of betting, known as “exchange betting” or “matched betting”. With “betting exchanges” there is no bookie to beat; in other words, there is no middle-man. Every punter bets against another punter or punters somewhere out there in the Internet ether. Any punter (or “trader”) can place a “back” bet that a player or team will win, and/or place a “lay” bet that a player or team will lose. Thus, any punter can choose to act as an ordinary bettor and/or as a bookmaker.

With exchange betting the odds are not set by a third-party or middle-man; they are set by the punters themselves, who place requests for odds at which they are prepared to place bets (if they wish to act as an ordinary bettor), or place offers of odds at which they are prepared to lay bets (if they wish to act as a bookmaker).

As the “back” bettors gradually lower their requested odds and the “lay” bettors gradually raise their offered odds, the software on the exchange betting web site matches all the back bets with all the lay bets at the instant they coincide. The accounts of the “backers” or “layers” are then credited with their winnings automatically a few seconds after the end of the event according to its result.

Obviously, the technology for providing such a “fair” betting service must be paid for somehow. This payment is taken in the form of a commission on the punter’s net winnings on an event (or “market”). That is, commission is charged only on any positive difference between winnings and losses on the same event.

This betting system is as close to a perfectly fair betting environment as it is possible to achieve.

There are very few betting exchanges in existence, however, perhaps because the exchange betting software is so complex and therefore costly. The giant among exchange betting web sites is Betfair, with about 90% of the market at the time of writing. Others are the Global Betting Exchange (BetDAQ), ibetX, Betsson, Matchbook and the World Bet Exchange (WBX). Betfair is by far the most popular because it was the first to offer this “perfectly fair” betting environment, and is trusted to perform accurately and instantly.

Principle #2

So, why does tennis betting give you that “edge” over betting on other sports? The answer, though simple, is often overlooked even by those who bet tennis regularly. And if you’re someone who’s never bet on tennis, you’d almost certainly not have realized the significance of the tennis scoring system on the betting.

Consider this fundamental difference between the tennis scoring system and that of probably any other sport you can think of.

In other sports and games the trailing player or team must make up the points gap by winning a point for every point they have already lost in order to catch up to the leader. Only then can they start to move ahead. This fact seems obvious.

In tennis, however, the trailing player or team can lose the first set 6-0 (possibly with a deficit of 24 points). That team can then win the second set by the most narrow of margins, 7-6 in a tie-break, winning the set by very few points (or even by winning fewer points than the opponents, a rare but possible occurrence!).

As soon as the trailing player or team wins the second set, the two sides suddenly have even scores, even though one player or team might have actually won many more points than the opponents.

This anomaly often has a profound psychological effect on one or both sides, which affects the way they play for the next few minutes, and therefore also the betting odds requested and offered by punters on the match. This, however, is another aspect of tennis betting which may be the subject of another article. This article deals with the mathematical aspect of tennis betting and how to win money with this knowledge.

How to win at tennis betting

Now that you’re aware of these two fundamental principles, how can you use them to your advantage when making tennis bets?

The key is not to be just a “backer” or a “layer”, simply betting on the final outcome of an event. If you do that, you will lose out over time, because there’s always a small difference between the “back” odds and the “lay” odds — there must be, otherwise there’d be no incentive for anyone to offer odds and there’d be no betting at all. Combine that with the commission you pay on your net winnings, and the “edge” is against you mathematically (although it is not as great as with conventional bookmakers).

The secret to winning at tennis betting is to be BOTH a “backer” AND a “layer”, but at different points during the event. This is another aspect of betting that distinguishes the exchange betting web site from the traditional bookie. At the betting exchange you can place a back or lay bet at any time during the event, right up until the very last second or the final point. This is known as “in-play” betting.

Because in-play betting is allowed, the odds for each opposing side change as the event progresses, according to the likelihood (as perceived by the punters) of either one side or the other being the eventual winner. The trick is to place a back bet on one side at certain odds and later place a lay bet on that side (or a back bet on the other side) at better odds as fortunes change and the odds swing in your favour. If you can achieve this, you will win your bet overall, regardless of the outcome of the event — a true “win-win” scenario.

Why bet on tennis and not on other sports?

Apart from Principle #2, explained earlier, tennis is ideal for such “swing” betting, because the odds fluctuate after every point is played. There are therefore very many small swings to one side and then to the other. This doesn’t happen in soccer, for example, because goals are so rare and a goal shifts the advantage suddenly and hugely to the scoring side.

Furthermore, a tennis match can have one of only two results; there can be no draw or tie; and one of only two players or teams can win. In horse racing, for example, the winner can come from a large number of runners.

The more possible outcomes there are to factor into the equation, the more difficult it is to win. (Despite this obvious logic, soccer and horse racing remain the two most popular sports for betting, probably for historical reasons. Tennis is already third in popularity, however, as more and more punters discover the fact that it is easier to make money betting on tennis than on any other sport.)

“In-play” betting or “pre-event” betting?

Now that you have — it is hoped — understood and absorbed the generalities of exchange betting and the peculiarities of tennis scoring, it is time to explain the details of how you can win at tennis betting.

Earlier it was stated that the secret to winning at tennis betting is to be both a “backer” and a “layer”, but at different points during the event, placing bets at different times during the event as fortunes change and the odds swing in your favour. This can be done with both “in-play” betting and “pre-event” betting.

One method used with in-play betting is called “scalping”. As its name suggests, scalping involves skimming a tiny profit by backing or laying at exactly the right moment as the odds move slightly in your favour, perhaps when one player scores two or three consecutive points, and repeating the process again and again. The biggest drawback of scalping is that it is very time-consuming and fraught with mental and physical tension. Not only must you pay full attention to what’s happening during the match by live video broadcast, but you must also catch exactly the right moments at which to bet, which is, in fact, made impossible by the 5-second delay imposed by the exchange betting software between the time you place the bet and the time it is accepted.

We’re not elaborating on this here because, as stated previously, this article is about winning by mathematics, not by the sweat of your brow. The maths aspect involves betting, not during the event, but before the event starts. That is, pre-event betting.

Mathematics do not lie!

There are a few tennis betting “systems”, some purely manual, others using software programs, some of which are enormously complicated. From the investigations of the writer (a mathematician), they all require the input, at some point, of a “probability factor” by the bettor. This probability factor is usually the odds at which you want your “balancing” bet (the “lay” bet on the “backed” side or the “back” bet on the opposing side) to be triggered, giving you the “win-win” scenario mentioned earlier.

So, how do you determine the value of this probability factor? That, dear reader, is the crucial point of the whole matter, the linch-pin that holds any exchange betting “system” together and determines whether it succeeds or fails, whether you win or lose.

Up to now, it seems, this probability factor has had to be determined by the sheer experience of a few seasoned professional gamblers, or by trial-and-error guesswork by lesser mortals. Little wonder that so many punters lose or do not win as much as they could because they do not know the EXACT value needed to optimize their bets!

Accuracy is of paramount importance when determining the probability factor, in order to maximize the chances of winning consistently. A search on the Web for a tool to calculate it proved negative. The writer therefore created one that encompasses not only all aspects of exchange betting but also the peculiarities of the tennis scoring system, and called it the Abacus Exchange Betting Calculator, for want of a better name. The probability factor is calculated to two decimal places, merely by entering the pre-event odds of both opposing sides, and has enabled the writer to make consistently more than 10% profit from tennis betting since Wimbledon 2009.

As a parallel test, the writer also placed bets according to “gut feeling”, in sufficient numbers to establish a trend. It resulted in a loss of 10% of the working capital (or “bank”).

Other tests were done, using the Abacus Exchange Betting Calculator, by betting on other sports where small odds swings occur, such as American Football, snooker and darts (very long matches only, otherwise the swings are too large). The results here just about covered the commissions paid on winnings; so, it is not worthwhile.

It seems, then, that the particular mathematical formula or algorithm (which is very complex) discussed here works well only in conjunction with the unique scoring system of tennis.

Conclusion

As a scientist, the writer feels that it is highly probable to win at sports betting consistently over time only when the following factors are present:

1. An exchange betting web site is used, not a conventional betting web site. (Beware of many sites that pretend to offer exchange betting by appearing in search engine results for “exchange betting”! Ensure that their software system enables you both to back and to lay bets at any odds you want against other punters, not against the house. If in doubt, check that their web site looks like the one at Betfair.)

AND

2. The sport is tennis, because of its unique scoring system.

AND

3(a) You learn about and become experienced in in-play betting and are prepared to devote almost all your time glued to a computer screen while following each match, sometimes more than one simultaneously.

OR

3(b) You use software that tells you exactly the odds to request and offer and the stakes to place in pre-event betting in only a few minutes, thus allowing you to get on with your normal life.



Source by S Avery

Vagina Licking Tips That Will Make Her Orgasm Every Time

This article will show you three vagina licking tips that when applied properly will give your woman an orgasm 99.9% of the time. Why lick her vagina instead of penetrating her? Simple, women get orgasms from cunnilingus more than they do from intercourse and they cannot fake an oral orgasm the way that 1 in 3 women fake orgasms when having sex.

Here are 3 vagina licking tips.

1. Enjoy yourself while you are down there and make sure that she knows you are enjoying it. Make some nice loud “slurping” sounds followed by a few pleasure groans, knowing that you enjoy giving cunnilingus is a huge turn on to a woman.

2. The slower the better is the key to successful vagina licking, it’s tempting to go at it like a greyhound out of the traps but this will get you nowhere fast. You have to be slow and deliberate with your licks and only add more velocity when she starts getting noisy.

3. Be totally unselfish whilst giving cunnilingus and you will get rewarded for your kindness. So instead of trying to get something out of it for yourself like maybe pushing your manhood towards her mouth as you lick her, you should only be conceded about your woman’s pleasure. Women who are satisfied in bed want to pleasure the man that gives them these orgasms, so expect a very good time in bed as a thank you from her.

Those are just bog standard cunnilingus tips but if you use them when vagina licking you will bring your woman to orgasm very quickly.



Source by Michael Harradine

Tips to Effectively Pay Off Your Debts

Outstanding debts can inflict severe dents in even the best retirement plans which have been carefully crafted over a lifetime. Incurring a debt is seemingly unavoidable in the modern age, as a result of both higher cost of living and consumerism.

With each passing year, more and more Singaporeans are diving into the debt pool as they struggle to cover their daily expenses and make ends meet. As of December 2016, the average Singaporean household incurs an estimated $55,000 of debt, which is a 3% increase over 2015. Easily 75% of this household debt stems from unresolved mortgage loans. Some of this unsettled debt may even force retirees to expend their assets to cover their debt rather than passing it on to their beneficiaries.

However, there are several ways to effectively settle outstanding debts to ensure it doesn’t put a crimp on some of those best retirement plans you’ve come up with.

1. Establish a Budget and Track It

Creating a proper budget is a great way to analyse and plan finances. By allocating a set amount of money towards a specific expense per month, the amount of expenses can be monitored more stringently and precautionary steps can be swiftly undertaken if the expenses overshoot the stipulated budget. It is only through proper budgeting can individuals or households create the necessary surpluses to pay off any existing debts.

Certain financial tools, such as Excel spreadsheets or even Mint.com, are particularly useful in keeping track of a personal or household budget.

The main problem for an individual who does not keep track of his/her monthly expenditure is that he/she does not know if he/she ends the month with a net reduction in savings, i.e., spending exceeds income and eats into savings. Knowing the amount of leftover balance is crucial since a continuous negative balance might lead to the creation of new debts. It is this type of debt that is the most dangerous as it rolls over at seemingly manageable interest rates month after month. Before the individual knows it, he/she would have made hefty payments on interest alone.

Tracking tools are thus crucial in identifying areas of weakness in one’s monthly spending habits, but an individual must take affirmative action to reverse the negative balance situation. This can be done via listing out the monthly expenses and employing necessary cut backs on certain expenditures. Discipline is the key.

2. Laddering Debts by Interest Rate

Laddering debts is another technique used in settling outstanding debt. It involves listing out all current debts by interest rate, starting from the highest interest rate to the lowest interest rate. The debt with the highest interest rate costs the most money, so this debt needs to be settled first.

By paying off the most expensive debt first, the overall debt will be reduced significantly faster. Some individuals who incur multiple debts per month and employ laddering in their finances usually settle the minimum payment required for each debt, and use the balance cash from their payments to settle more of the debt with the highest interest rate.

For example, let’s compare two debt instruments: one, a credit card with an outstanding balance of $4,000 with an interest rate of 24% and another, a credit line with an outstanding balance of $8,000 with an interest rate of 16%. Ideally, the minimum monthly payment required to settle each debt would first be made, and any leftover finances would be funneled to repaying more of the credit card debt even though the amount owed may be lower.

Laddering is especially useful in tackling multiple debts while avoiding the accidental creation of another new debt. Laddering also instills a sense of financial discipline that is good in tackling unresolved debts and preventing those debts from inflicting too much harm on those retirement plans you’ve kept in mind.

3. Balance Transfers

Balance transfers is another tool used to cut back on interest expenses whilst settling an attempt to pay off a debt over several months.

For example, given the competitive nature of the unsecured credit market, banks often provide very low teaser rates for clients who transfer their existing unsecured debt from other banks. The effective interest rates could be as low as 4% p.a. versus the normal 24% p.a. one pays on credit card balances. However, the catch is such promotional rates lasts only for a certain period, for example 6 months. Nevertheless, balance transfers can lower the interest costs of an existing debt.

Balance transfers do carry their own risks. Individuals transferring balances must remember to either settle the debt after the transfer or look for another such opportunity before the lower interest on the account to which the balance is transferred expires, otherwise he/she risks paying an even higher interest rate.

Individuals using the balance transfers may also fail to address the continuous build-up of debt, thus wiping out any benefit from such a strategy. In the end, despite this cost-saving strategy, individuals end up with even more debts that impinge on savings, not to mention any future retirement plans.

4. Contacting Consumer Credit Counseling Services

If a person is having immense trouble settling their debts or even coming up with the minimum monthly payments, they should consider engaging a consumer credit counseling service. In Singapore, this service is aptly named as the Credit Counseling Singapore (“CCS”) and offers solution-based credit counseling for individuals beleaguered by financial debt.

The CCS’s debt management services only cost $130 and pairs up debt-laden individuals with a credit counsellor. The credit counsellor will assess the indebtedness of an individual’s situation and assist him/her by making a financial estimate of the debts owed, identify available resources which can be used to cover the debts and even plan a monthly budget which incorporates all living expenses. Solutions to tackle the debt problem and monthly negative balances will be meted out to alleviate the burden of debt.

If one is concerned over how his/her debt would affect his/her retirement plans, contacting the CCS would be the right way to go. If the retirement plan has already taken the old debt into account, proper financial restructuring could reduce the interest and installment payments that need to be made.

Even the best retirement plans may be in jeopardy in the face of unresolved debts. By adopting better financial habits such as establishing a budget, laddering debts and transferring balances, an unsettled debt situation might become easier to handle. If a debt problem persists, the CCS can be engaged to work out a solution to stave off unresolved debts. Financial advisers may also be consulted to better streamline finances and handle monthly expenses, thus ensuring a more secure and better retirement in the future.



Source by Janet Smith

Health Tips for Kids in Winters

With winters come flue, cough, fever, and all those nasty diseases. All the winter fun is ruined when your kids are sick. There are multiple reasons why children are more vulnerable to get ill quicker than adults and one of those is their weak immune system. Children, especially toddlers and pre-school aged are sensitive and need additional care. Here, in this post, I am going to tell you five ways to protect your kids in winters.

1. Give them Enough Sleep

When winters come, kids get excited and become hyperactive. They just want to go out and play in the snow or with school playground equipment. Just like other seasons, your little ones need the right amount of sleep in winters as well in order to stay healthy.

What is more, our bodies inevitably need more sleep when days become shorter and nights get longer. However, children need it more than adults, so make them sleep enough during winters.

2. Keep them Hydrated

Kids usually don’t feel thirsty during winters, but their bodies need enough amount of water to keep hydrated and function properly. Children almost forget to drink water the entire day and this makes them sick really quickly. Keep a 1.5 bottle for each kid and ask them to finish it during the day. Make it a challenge for them and promise chocolates or their favorite snacks for the one who finishes earlier.

3. Seasonal Foods

Nature provides us with foods according to seasonal demands. These fruits are given to us by nature according to the seasonal requirements. With cold breeze outside in winters, we need to stay warm inside and these foods perform that function for us. All the foods should be cooked prior to eating to get the best taste and intake nutrition. Your little ones will be healthy and remain warm and their energy stores will be filled if you feed them seasonal foods.

4. Additional Vitamins

Even though vitamins are needed throughout the year, they are required in larger amount during winters when diseases are likely to attract because immune systems function at a slow pace. Vitamins, especially vitamin D helps to make kids’ immune system stronger, which, in turn, aids in fighting diseases. Give them either enough exposure to sunlight or vitamin D3 supplements to fulfill deficiency. Moreover, vitamin C is also needed to strengthen the immune system, so make sure you give them food rich with vitamins in winters.

5. Wash Hands

It’s not just for winters but for every time of the year. However, you should be stricter in winters because of cold and flu around and your kids are likely to attract infections. Make it their habit and do not allow them to come to the dining table if they do not wash their hands, especially if they were messing around in playground structures. When you teach them to wash hands, also tell them the reason and importance of doing so.

So, are you ready to protect your kids from infections this winter by following above tips?



Source by Jason Fernandez Walter

Best Cunnilingus Tips and Tricks

“Was it good for her?”. “Did she reach an orgasm?”. After tangling the sheets together with a woman, these are some of the questions that most men are afraid to voice out, for fear of being criticized for their ‘performance’ – or not hearing what they really want to hear. If you want to become more assured as a man when it comes to your skills in bed, the one aspect in the art of making love that you should master is how to perform cunnilingus.

Did you know that majority of women fail to reach an orgasm through intercourse? Unless you are using your mouth, hands and tongue to pleasure her, she might not really be able to reach the big ‘O’. This is precisely the reason why you need to get a hold of the best cunnilingus tips. Read on to find out exactly what these tips are.

Cunnilingus Tips, Tricks & Techniques

So what are the secret tips that you need to keep in mind if you want to give the woman you’re sleeping with the best orgasm of her life? Take a look at the following list:

1. Slowly build up the excitement.

If it takes men about five seconds to have an orgasm when their penis is stimulated, it takes about five minutes or more than that for women. This huge difference is something that you need to be aware of if you want to please a woman in bed.

For the best cunnilingus tips, the first thing that you need to work on is slowly building the excitement. You should not yet head down south if you know that she is not yet properly stimulated. This is where your seduction skills as a man comes in. Engage in a racy game of strip poker to build up the excitement. Before getting her into bed, you can already tease her mind by giving her a preview of what you will do together in bed for that night.

More importantly, engage in a long-winded make-out session, then proceed to foreplay – and when you see that she’s properly aroused, that is when you can apply the next set of cunnilingus tips.

2. Use the humming technique.

One specific trick that you can use is the humming technique. As the name implies, you need to make a humming sound when you’re using your lips and hands on her – it is bound to drive her wild!

3. Stimulate her clitoris.

The clitoris has millions of tiny nerve endings – which, when stimulated properly, is bound to make her reach a mind-blowing orgasm. Use your tongue or fingers to stimulate her clitoris to drive her way over the edge.

4. Give her a G-spot orgasm.

The G-spot is that bean-shaped tissue located about a couple of inches up her vaginal wall, pointing towards her belly button. If you want to give her a G-spot orgasm, you can use your index finger to reach this spot. Make a tapping motion once you feel tissue which is rougher than the rest of the vaginal wall – and she’s bound to reach cloud nine in no time.



Source by R. K. Jain