Archive for March, 2009

What Does a “Universal Default Penalty” Clause Mean On My Credit Card?

Monday, March 30th, 2009

You apply for a credit card that has an advertised 10% APR. The card is approved and you spend money on it. Some months later you notice that the interest rate cannot possibly be 10% APR but is nearer 30% APR. You immediately claim you have been cheated; but the credit card provider counters that […]

Tips For Credit Card Approval

Saturday, March 28th, 2009

With the vast expanse of the internet, it has become easier than ever to gain approval for a credit card instantly. This makes it extremely easy for those who have the need to pay off debts, take a vacation, or if they have an emergency to gain the credit card they want fast and easily. […]

Facing Our Fears

Thursday, March 26th, 2009

“Peace I leave with you; my peace I give you. I do not give to you as the world gives. Do not let your hearts be troubled and do not be afraid.” John 14: 27, NIV
Our Sunday paper gets the insert magazine, Parade. Today right on the cover was “Let’s Stop Scaring Ourselves” by Michael […]

10 Ways to Get the Most Out of Your Health Club Membership

Thursday, March 26th, 2009

You’ve decided you want (or need) to get work out more and get fit. You’re thinking about joining a health club, but you’ve heard too many stories about people who sign up, go one or two times, and never go back. You’re not really sure which type of club to join: a low-cost chain, a […]

HSE advises caution on use of carbon nanotubes

Tuesday, March 24th, 2009

In a recently published information sheet, the HSE has called for a cautioned approach to the use of carbon nanotubes or CNTs. According to the HSE, the information sheet, Risk Management of Carbon Nanotubes, is in response to growing speculation on the toxic nature of the material.
CNTs, defined simply, are molecular-scale man-made forms of […]

Purchase Cheap Fishing Supplies on the Web

Monday, March 23rd, 2009

Having the best fishing tools is an exceptionally critical thing to keep in mind when your are contemplating your forthcoming fishing outing. You must allow yourself the finest tools to fall into the “mind set” & get the best benefits of fishing. Procuring the right supplies will aid you in lots of ways. As you […]

How Salt Water Can Help Your Body

Friday, March 20th, 2009

Some visitors to European spas immerse themselves in healing, briny water containing a minimum of 1.45 percent salt. The salt springs on which the spas are built are found throughout Germany. For centuries salt commonly has been known as “white gold”, salt mining was in several places the basis for prosperity before the existence of […]

Genetically Smarter Humans Should Not Have to Endure Incompetent Masses

Wednesday, March 18th, 2009

There are all obviously humans amongst us who are much smarter than the average in the population and as we measure IQ tests we see that many of the smartest people are off the charges on the IQ tests. Yet in our society there are many people who are between 80 and 95 IQ […]

Paying your credit card on time

Monday, March 16th, 2009

One of the most common ways to get a penalty charge from your credit card company is if you fail to pay your credit card monthly statement on time. Therefore, if you are finding that you are being charged with a lot of penalty charges on your card or cards, one of the first things […]

The Blossoming Multi National Property Market Place — Served by Property Index Online

Monday, March 16th, 2009

Notwithstanding PropertyIndex.com is actually a new kid on the block firm, (they were incorporated only in March 2007), they have quickly established their expertise. On closer look, they’re a quite informal firm devoted to offering guidance to essentially anyone striving to buy real estate assets just about anywhere. Their avowal: to be of assistance to […]