Having a credit card is very convenient since carrying a lot of cash becomes unneccesary and you might even have a hard time leaving your credit card at home. But with its advantages comes also its disadvantages. Since you can always buy things without carrying cash around, you are always tempted to buy something that you come across. If you have excellent control on your finances then good for you. If you have a hard time managing your credit card, then these pointers can help you.

Get organized

First thing's first, obtain your credit card records to have a better idea of your spendings. Be sure to double check the records for errors and ensure its accuracy. A good example would be to find out if you have outstanding debts that should not be there as well as the accuracy of the listing of your former and present address.

Evaluate your credit card

Go over your recent credit card records and look at the interest rates. Some credit card companies have promos wherein they offer lower interest rates for a period of time and this promo may already be over yet you have no idea and are already paying at a higher interest rate. Also take note of the membership fee which they charge annually since some have very high membership fees. Consider cancelling this if you are not using it frequently.

Pay on time

It is important to pay your bills on time since it can have a negative effect on your credit record or rating. You will also be able to avoid getting charged because of not paying on time. Try asking the credit card company to remove the overdue charge if you have forgotten to pay it on time for the first time.

Manage your debts

If you see that you have more debt than what is comfortable, think ahead and plan out how you will repay it or at least reduce your debt. Devise a way to pay more than what is required of you so that you will have a reduced payment schedule. Prioritize the card that has the highest interest rate. Do not bring your credit card always when you go around since temptations abound.

Don't bite more than you can chew

As the saying "don't bite more than you can chew" goes, do not spend more than you can afford. True, a beautiful gold bracelet may be enjoyable to wear but its price tag may mean paying a lot for the next months. If you are bent to save money when using your credit card, unnecessary items like jewelry and the like should be at the bottom of your considerations.

Summary:
Enrolling for distance learning degrees is an affordable way to learn a new skill(s) quickly. You can improve your credentials to your current or future employer with minimum time and monetary investment. Distance learning degrees are available in many areas of study, business administration, finance, accounting, computer programming, criminal justice and more. There is unlimited potential to what you can enroll for you just need to find the school that offers it.

How does...


Keywords:
distance learning, online degrees, online colleges


Article Body:
Enrolling for distance learning degrees is an affordable way to learn a new skill(s) quickly. You can improve your credentials to your current or future employer with minimum time and monetary investment. Distance learning degrees are available in many areas of study, business administration, finance, accounting, computer programming, criminal justice and more. There is unlimited potential to what you can enroll for you just need to find the school that offers it.

How does Distance Learning work?

Distance learning connects teachers and students together for coursework via the Internet. Usually students submit assignments, homework, ask questions and even take tests totally online. Some classes even have the option of attending a weekly lecture all over the Internet using your personal computer. What does this mean to you the student? Less time needed for classes, and easier to fit into your day-to-day activities.

How do you finance your Distance Learning Degrees?

Depending on your employer often times there are financing terms available from the business you work for to enroll in a distance learning degree. The knowledge and skills you learn will greatly benefit the company you work for. For example earning an MBA online is a pre-requisite today to advance into a middle management position with most medium and large companies. Basically your company is offering to pay for your distance learning to increase your pay and advance your career. Everybody wins in theses situations, distance learning makes sense to employers, they keep employees happy, and provide them with skills that make them better employees.

Now keep in mind there are some downsides to distance learning. The fact that there is no contact amongst classmates, or teachers is difficult for some. People often enjoy the relationships they make with other students this just isn't part of the distance learning program. It is more difficult to locate scholarships will to pay for distance learning programs then for offline colleges. Also for a lot of people they find it's just easier to learn from an instructor in a class room environment. They enjoy the interaction and visual aspect to the classes. Prior to deciding on a distance learning program ensure that you're learning style suits the online course concept.

A warning to those going out to enroll in distance learning online programs, you should be aware that there are some scams on the Internet. Some companies will collect a fee for the program, require you to do little to no work and earn you diploma. Why so you ask? Because the diploma your earn is worthless, the company is not an accredited school allowed to offer such degrees. Thankfully it is easy to determine if a school is accredited. Most fields of study and your state government have lists available of what schools are accredited to provide such degrees online, be sure to check this ahead of time to ensure the study and work you do goes towards you end goal.

Summary:

Developing consistency isn’t easy. It’s especially difficult for golfers whose practice time is limited by their work and/or their families. But there are some things that these golfers can do to help themselves develop consistency, even when they’re unable to get to a range or are on the road traveling. One is practicing their pre-shot routine— something my golf tips often discuss.

Unfortunately, many golfers don’t have a pre-shot routine. If they do have a routine, they ...

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Article Body:

Developing consistency isn’t easy. It’s especially difficult for golfers whose practice time is limited by their work and/or their families. But there are some things that these golfers can do to help themselves develop consistency, even when they’re unable to get to a range or are on the road traveling. One is practicing their pre-shot routine— something my golf tips often discuss.

Unfortunately, many golfers don’t have a pre-shot routine. If they do have a routine, they don’t always use it. And when they use it, it’s disorganized. Their method of ball alignment is haphazard; they spend too much time over the ball; and/or they line up off-target, among other things. If they’re interrupted, they look up to see what caused the noise—then hit away, as if nothing happened.

Using a pre-shot routine is helpful, whether on the tee or in the fairway. It encourages consistency, guarantees correct alignment, and helps you make the transition to the right frame of mind. It also helps you focus on the job at hand, which my golf tips constantly advocate. In short, a good pre-shot routine prepares you both physically and mentally for a shot.

My golf lessons review the individual components of a good routine. Of course, everyone’s routine will differ to a degree, but most will be pretty consistent in terms of their key components. If you’re striving for a lower golf handicap, work these components into your routine.

Here’s what I recommend…

Components of a Pre-shot Routine

• Stand behind ball/visualize shot

• Position yourself parallel to target line

• Place clubhead behind the ball, square to target

• Look at target/visualize shot

• Relax arms/waggle club

• Look at target again, sense shot, exhale

• Pull trigger and swing

First, stand a few yards behind the ball facing the target. While behind the ball, pick out a target, and picture the shot, a technique we often emphasize in my golf instruction sessions. Also, visualize the ball’s flight.

Next, walk to the ball. Position yourself approximately parallel to the target line with your feet close together.

Next, place the clubhead behind the ball so that it looks squarely at the target. Adjust your body so that it is parallel to target line. Move your back foot back, then your front foot forward until you’re in a comfortable but stable stance. This sequence eliminates the need to worry about where the ball is positioned. It will be in the correct position every time.

Once you’re set up, look at the target. Visualize the shot once more. Gently shuffle your feet, then waggle the club a few times. Constant movement primes you for the swing, as our golf lessons teach.

Then, relax your arms and your hands. Waggle the club a few times more.

Next, take another look at the target. Exhale. Sense the shot.

And finally, pull the trigger. Swing smoothly and easily.

That’s it. Use this routine as a guide to developing your own or adapt it as you see fit. Work on the routine until you have something you’re comfortable with, then use it. If you watch professional golfers you’ll see that they all have a slightly different pre-shot routine; but they all have one and they all use it time and time again.

Sergio Garcia used to waggle the club countless times before he pulled the trigger. He no longer does that. Now, he waggles the club a couple of times, then pulls the trigger. He uses the routine every time he hits a ball from the tee or the fairway. Other players have their own pre-shot routines, with their own idiosyncrasies. But they do the same thing again and again—every time they hit.

There’s, nothing mysterious about a good pre-shout routine. In fact, it’s rather simple. Each component is designed to help you with the mechanical or the mental phase of the swing. And some of these components can be modified to suit your needs, so you have your own version.

What’s critical, though, is that you use the same routine every time you take a shot. Repetition develops consistency, and consistency lowers golf handicaps. If something interrupts your shot, step away from the ball and start the routine all over again. Doing so assures you that you are focused squarely on hitting the ball.

Repeat this routine on the course or at home, with and without a ball. Practice it until it becomes instinctive. If you make adjustments, practice the new routine until the adjustment becomes instinctive. Use the routine every time you take a swing—even when taking golf lessons.

Next time you can’t get to the range or you’re on the road, work on your pre-shot routine. Then use it when you’re on the course. You might be surprised just how much a good pre-shot routine helps your golf handicap.

The new iPod video became famous due to its huge memory and the capacity of playing video, due to its slim design and longer life battery. Still, there are voices that point out some disadvantages and highlight different negative aspects.

Taking into account that there are few perfect things made by the human hand, these aspects may be used by the iPod video creators for further improvements. Therefore, the customer’s reviews are very important and the suggestions may be really taken into account.

The fact that the screen is bigger is great, but the surface is easy to scratch, aspect that is more in the cons category. Although the image is excellent and the clarity screen may be easily compared with the TV set’s screen quality, there are still some problems with freezing video images. There is a great achievement the fact that the light, sun or other previous obstacles are annihilated, but another important problem is the unresponsiveness in some cases.

The dimensions of the new iPod video are great, but there is no way you may watch it with more than several persons. Anyway, it was designed for personal not collective needs and you may still share your photo album and music or video music preferences with one person. The flat screen is large enough to enjoy your favorite videos.

Although the life battery is longer, the complaints concern the short battery life for video. And this complaint may be balanced by the fact that the video is played with no flaw. The pros of the new iPod video are considered the cool look, the impressive number of features, the great organization of the music menu so that you may even rank your favorite songs. The cons of the new iPod video are considered the absence of FM option, the fact that no cradle is included, the impossibility of connecting the iPod video to the computer and the cost.

The amazing new features concern the sound quality – it is clearer and stronger with a bass that is stronger articulated, the sound is also louder than that of the previous generations. The other good features are the easy control, the video feature is classified with “great”, but the flaws regard the interruption of the sound between the tracks, being blanked out. There are still other suggestions regarding the battery life, taking into account the amount of music that the new iPod video has.

The pros may be gathered together pointing out the thin and attractive enclosure with a great display, the best sound, 15-20 hours of music, new clock and the time in other parts of the world. The cons highlight the incompleteness of the video integration that suggests the experimental project aspect, absence of the new games, no changes in the interface, the smaller screen than expected especially for video features edition. Another disadvantage concerns the slow transfer of photos direct from the camera.

Some critics point out the fact that the design and the features of the new iPod video may be seen from different perspectives. Therefore, the complaints and the satisfaction may be contradictory. These aspects may be seen from a movie lover perspective, an audiophile or photographer or even from a simple consumer with no great expectations. That is why you may find musician’s reviews or video addicted reviews that are in contradiction. You may decide in which category you may be situated for deciding if the new iPod video is worth the money or not.

From the same point of view, you may say that as a music player the new iPod video has superior quality of sound. As a screen for the photo album, the clarity of the screen may win the competition with any TV set’s screen. As a movie player, the iPod video is below the expectations, but it may be considered a great step in the video technology.

There are many vices lurking in the society today. One of which is gambling.

What’s even worse is the fact that people who are so hooked up with gambling have the tendency to get addicted to it.

Addiction is a serious social issue that society is still trying to muster. With gambling addiction, gamblers just don’t lose money but life and family as well. That is why it is extremely important to solve the problem.

In reality, there are available measures and methods so as to treat gambling addiction. Some of which are:

1. Through medications.

Usually, gambling addicts are treated through medications in the form of anti-depressants or what medical experts call as Serotonin Reuptake Inhibitors or the SSRR. This medication has been proven to treat pathological gamblers or those who feel the blow whenever they win.

2. Through psychological treatments.

Most psychologists contend that the problem of gambling addiction is often associated with a problem on their cognitive behavior. Hence, it would be better to let the gambling addicts undergo cognitive behavior therapy.

In this process, the gambling addicts are taught how to get rid of the negative ideas and replace them with positive ones.

3. Through group therapy.

Group discussions are also effective in treating gambling addiction. Through this method, gamblers will get to interact and discuss their own personal problems that led them to gambling.

One great advantage of this therapy is that gamblers get to listen to other gamblers stories. They will be able to understand some angles that may sound just like their very own situations but were unable to identify them because of the feeling of rejection or shame.

Gambling addiction must be stopped at once. It has already dominated the society and even perpetuated the problem among college students. In 2004, the Annenberg Public Policy Center at the University of Pennsylvania has reported that 11.4% of their male students are fond of betting cards at least once a week. This was deemed alarming because they had only 6.2% on the previous year’s report, which made it an increase of 84% in just one year.

Moreover, according to the Journal of Gambling Studies, gamblers who are college students make up 1.6% of the total population. It may seem little at first but the fact that the percentage is gradually increasing is enough to cause alarm.

So, the best way to cure treat gambling addiction is to lessen the chances of playing. This is because the more people can play the greater chances they get addicted.