Author : Robert Hanania
People view bankruptcy as a wake up call and well they should because that means they hit the bottom of the barrel and are now scratching the bottom - for more cash! If you believe misery loves company be secure in the knowledge that there are at least 1.5 million people in there with you, that's how many filed for bankruptcy in the last year. Anyone can over-extend themselves and many do for more reasons than I could count.Filing for bankruptcy is not only used by the lower and middle class but the rich as well. Famous people have fallen into the hole and climbed out, people like:
Donald Trump, Filed in 1990 - Kim Basinger, in 1993 - Burt Reynolds, in 1996 Rembrandt, in 1656. I am not sure about the last one; he may still be trying to dig his way out!In the old days they would send people to debtors prison or even put them to death (not in America though), treating them like criminals. In these more civilized times the government not only banned this kind of barbaric action but made into law rules to protect us.The bankruptcy code, also known by title 2 of the United States code (11 U.S.C.,101-1330), has been put into place to protect the rights of the individual and corporations, giving them a fighting chance against dept collectors, bankruptcy courts having the final word. There are basically two kinds of dept, secured an unsecured. Secured is where the creditor has some kind of collateral, be it your car, boat, house, or any material thing of value that they can take possession of if the dept is not paid. Unsecured is simply just the opposite, where the creditor has no collateral at all. In this case if the dept is not paid all they can do is use a collection agency where they call you day and night. Also you have to watch out with an unsecured dept because if the balance is large enough the creditor can put a lean on your property by getting a court order. This will prevent anyone from selling their house and moving away in an attempt to hide from creditors.If you or anyone you know is behind on payments there is something they should know. Since 1997 the government stepped in to stop dept collectors and collection agencies from harassing and threatening people in the middle of the night and using unethical collection practices. The Fair Dept Collection Practices Act (FDCPA) makes collections agencies follow certain guidelines. These are things collectors must do:
*Stop contacting you if the request is in writing and you dispute the dept in writing.
*Within 5 days of there first contact they must send you a letter stating the outstanding dept and creditor.
*If you want to dispute all or part of the dept the collection agency must stop contacting you until the creditor responds to your inquiry.
*If the collection agency wants to take you to court for the dept owed on behalf of the creditor it should summon you to the county where you now live or where you first singed the contract.Now, don't be alarmed just because a creditor threatens to sue you because most times it is just meant to scare people into paying on depts.Under the act (FDCPA) there are many things collection agencies can't do, some of which are:
*No calling you at work
*Indicating they may be working with the federal government
*No calling your friends or family
*Implying that you may go to jail, garnish your paychecks unless the dept holder plans to do itOur government, in its infinite wisdom reasoned a long time ago that if they send everyone to jail there is zero change of collecting on any dept on behalf of a creditor. You probably have heard of someone that has had there wages garnished, that is creditors who get a court order to take a piece of their check until the dept is paid. This is a common practice in states that allow wage garnishment and there is little you can do about it except for contacting an attorney. Did you know if you have an unpaid school loan or owe the IRS they don't even need a court order to garnish wages, even in states that normally don't allow this? You can bet on it, they can also take your tax refunds!As for personal property, in cases like a store dept (store credit card, personal check or payment plan) on an item like major appliances or furniture you may have bought they still need a court order to take it back, unless you let them in anyway. That's right! If you let them in without a court order they can come and get it back! Many times if is just not worth it for them to re-possess items because they have to go the process of getting a court order and pay someone to carry it out. Also it may be harder to sell a used item that may be stained or damaged. One final word on this point, remember on secured loans and cars there is a definite risk of repossession if the loan (mortgage or car finance) is not paid. There is usually too much money involved here for creditors to loose so these payments should be on top of your 'to pay' list!If you find collectors are not playing by the rules you should call an attorney or the Federal Trade Commission's response center at 1-877-382-4357 (FTC-HELP)
You can check out FDCPS's website at www.ftc.gov/os/statutes/fdcpa/dcpact.htm for more info.Robert is the owner and operator of this website: http://www.newmortgagefinance.com and a true fanatic of learning and sharing 'how to' material and info. If you love anything 'do it yourself'' you should visit this website and http://www.fileanddatarecovery.com.
Category : Finance:Bankruptcy
วันอังคารที่ 16 ธันวาคม พ.ศ. 2551
วันเสาร์ที่ 13 ธันวาคม พ.ศ. 2551
See the Birthday of Britney Spears & Other 1980s Star Babies
Author : Michael Cree
The 1980s was a glorious decade to say the least. This decade initiated great cultural and technological advances which still are shaping the world in which we live today. Companies launched in this decade include CNN, MTV, USA Today, and technology unleashed in this decade were the video recorder, personal computer, compact discs, satellite dishes and the grandaddy of video games today - Pac-Man.
Meanwhile, in the rest of the country, babies were nursing, beggining to crawl, walk or talk. These were no ordinary babies - but Star Babies. Of course at the time they were oblivious to their potential and the influence that they would later have on the lives of all of us. What made these Star Babies different from all the other children who share the same birthdates? Was it destiny, luck, hard work or a combination of all of these? You decide - meanwhile here are the birthdays of the top young stars of the early 1980s.
YOUNG STARS BORN 1980 - 1982
BORN IN 1980
1. Ashanti ( Douglas ), R&B Singer, 10/13/1980
2. Chelsea Clinton, Former First Daughter, 2/20/1980
3. Christina Aguilera, Pop Star, 12/18/1980
4. Christina Ricci, Actor, 2/12/1980
5. Michelle Kwan, Figure Skating Champion, 7/7/1980
6. Venus Williams, Tennis Champion, 6/7/1980
7. Jessica Simpson, Singer, 7/10/1980
Born In 1981
1. Alicia Keys, R&B Singer, 1/25/1981
2. Anna Kournikova, Tennis Player/Model, 6/7/1981
3. Barbara & Jenna Bush, First Daughters, 11/25/1981
4. Beyonce Knowles, Pop Star, 9/4/1981
5. Britney Spears, Pop Star, 12/02/1981
6. Craig David, R&B Singer, 5/5/1981
7. Elijah Wood, Actor, 1/28/1981
8. Ivanka Trump, Model, 10/30/1981
9. Jessica Alba, Actor, 4/28/1981
10. Josh Groban, Singer, 2/27/1981
11. Julia Stiles, Actor, 3/28/1981
12. Justin Timberlake, Pop Star, 1/31/1981
13. Natalie Portman, Actor, 6/9/1981
14. Paris Hilton, Celebrity, 2/17/1981
15. Serena Williams, Tennis Champion, 9/26/1981
16. Roger Federer, Tennis Champion, 8/8/1981
17. Nicole Ritchie, Celebrity, 9/21/1981
BORN IN 1982
1. Anna Paquin, Actor, 7/24/1982
2. Kelly Clarkson, Pop Singer, 4/24/1982
3. LeAnn Rimes, Country Singer, 8/28/1982
4. Leelee Sobieski, Actor, 6/10/1982
5. Tara Lipinski, Figure Skater, 6/10/1982
6. Andy Roddick, Tennis Champion, 8/30/1982
List compiled and copyrighted from various sources. Every effort was made to insure the acuracy of this list, but can not be certain of 100 percent acuracy. This listing may be copied in its entirety and displayed but must contain the following notation: Courtesy of Shop Femina: http://www.shopfemina.com
About the author:
Michael Cree was married in the 1980s and has two sons born in the 1980s. He is also the webmaster/owner of Shop Femina http://www.shopfemina.com
Category : Kids & Teen
วันพฤหัสบดีที่ 11 ธันวาคม พ.ศ. 2551
Interview for "Fragments of Reality" author Peter Cajander
Author : Juanita Watson
Today, Reader Views is talking with Peter Cajander, author of "Fragments of Reality: Daily Entries of Lived Life" from Helsinki, Finland. Peter is talking with Juanita Watson, Assistant Editor of Reader Views.Juanita: Thanks for talking with us today Peter. Please tell your readers what "Fragments of Reality: Daily Entries of Lived Life" is about.Peter: Thanks Juanita. It's a pleasure talking with you. The book is really about the everyday life we're living but often too distracted to see or observe ourselves. It tells and talks from a bit of a different angle about issues we all ponder and face in our lives.Juanita: What inspired you to write your book?Peter: The book came about in a relatively short period of time while a lot was happening in my life. I simply wrote down some of my personal observations that occurred during my various daily activities. I was compelled to share those issues that we all have in common but seldom speak or talk with others.Juanita: Hearing that "Fragments of Reality" unfolded when there was a lot happening in your life makes me wonder….do you think it takes a certain level of external pressures, or life experiences to push one to pondering the deeper meaning of life?Peter: Often that is the case. We very seldom do anything voluntarily. Many times the 'big' turning points or crises are the required changes that enable us to renew ourselves.Juanita: What topics to you discuss in "Fragments of Reality"?Peter: The book is about life and life is about everything. It has over 100 articles and poems ranging from happiness, relationships, love, death, money to tranquility and meditation to name a few.Juanita: You refer to the behavior of the mind not being completely trustworthy. What are some of the ways our mind plays tricks on us?Peter: Our mind distracts us from being in the very moment. Either we worry about the past or think about the future. But all those are just images and illusions in our mind. They are not real. We cannot change the past and the future has not yet arrived, still we are seldom here, right now. Everything happens only in the moment. How much of your life do you miss by not realizing it?Juanita: Why does the mind trick us in these ways?Peter: Mainly it has to do with the fact that we do not know who we are. We are afraid of being in the moment, with ourselves. We would rather fill the void moments by mp3-players, radio, or talking with someone. We are plain and simply restless, in our mind as well.Juanita: How long have you been contemplating the inner musings of mind and soul?Peter: I have always tried to have an open mind and observe things around and within. It's more like a state of mind or being like a child that is curious about everything and always asking silly questions.Juanita:"Fragments of Reality" is a collection of your deeply insightful, personal observations. What importance do you put on journaling and writing, and why? Would you suggest others write as a form of self exploration?Peter: Writing is just one way of expressing among others. It has its limitations compared to a live dialogue. However it is a great way to share ideas and experiences. For example, weblogs are a wonderful new way of writing that also enables better interaction directly with the readers. The style in weblogs can be very informal and therefore it could lower the bar to get started. If you haven't already, you definitely should at least give a try!Juanita: Your book is titled "Fragments of Reality." What is reality, and how can people having the same experience, and at the same time, have differing perceptions of that reality?Peter: Everybody has a different reality. It is based on our personal history, knowledge, experiences, assumptions, cultural background, observations, and so on. We only see and hear what we know.Juanita: Who has influenced and inspired you on your journey?Peter: I've been inspired by people in all walks of life - from great artists, musicians, philosophers, statesmen, but also by ordinary people. Every human being can be a source of inspiration – even the nature itself. Can you see it?Juanita: Do you think it takes a certain amount of contemplation, or inward thought to achieve true happiness?Peter: I think so. Trying to find happiness outside of oneself is a never-ending quest.Juanita: We seem to be living in a world that puts full priority on this external quest. Why do you think we are finding ourselves living in a world, and a time, with this many distractions?Peter: We are not outside of this world. We create this world. Therefore the distractions are out there as long as we prefer to have or need them. It is very easy to look outside and blame the circumstances or give excuses for not doing something because of some distractions. It requires a bit more character to make your own decisions and take life into one's own control, baring the consequences as well.Juanita: What have you found to be the key point to remember in one's pursuit of harmony and tranquility?Peter: First of all you have to be honest to yourself. Then all it takes is to be aware in the moment. Sounds easy but the trick is not to forget this while living…Juanita: Is it really possible to change our thought patterns and beliefs that lead us away from peace and harmony?Peter: Yes it is. The first step is to become aware of our repetitive thought-patterns and models. This is not easy and often the people around us can see them more clearly than we ourselves. The first chapter of the book is called 'Belief System' and it focuses on identifying some of these in order to help us to pinpoint them in our own thinking.Juanita: Peter, what have you found to be the meaning/s of life?Peter: To know ourself.Juanita: What are your hopes for readers of your book?Peter: Pick and choose. Select a topic of your current interest and ponder about it. I have received very good feedback from many readers who are reflecting on the book's topics in their daily lives and getting new insights and realizations. Enjoy and explore!Juanita: How can readers find out more about you and your endeavors?Peter: Naturally the book itself tells something about me. You can also visit the web-site http://www.fragmentsofreality.com/ for more information and contact me directly as well.Juanita: Peter, thank you for talking with us today. You've given your readers much to contemplate and hopefully they will be inspired to obtain a copy of "Fragments of Reality" and continue their explorations. Do you have any last thoughts for your readers?Peter: Thanks a lot Juanita. Sure, don't take life too seriously. Smile and have fun!Juanita Watson is the Assistant Editor for Reader Views.
http://www.readerviews.com
Category : Self-Improvement
Today, Reader Views is talking with Peter Cajander, author of "Fragments of Reality: Daily Entries of Lived Life" from Helsinki, Finland. Peter is talking with Juanita Watson, Assistant Editor of Reader Views.Juanita: Thanks for talking with us today Peter. Please tell your readers what "Fragments of Reality: Daily Entries of Lived Life" is about.Peter: Thanks Juanita. It's a pleasure talking with you. The book is really about the everyday life we're living but often too distracted to see or observe ourselves. It tells and talks from a bit of a different angle about issues we all ponder and face in our lives.Juanita: What inspired you to write your book?Peter: The book came about in a relatively short period of time while a lot was happening in my life. I simply wrote down some of my personal observations that occurred during my various daily activities. I was compelled to share those issues that we all have in common but seldom speak or talk with others.Juanita: Hearing that "Fragments of Reality" unfolded when there was a lot happening in your life makes me wonder….do you think it takes a certain level of external pressures, or life experiences to push one to pondering the deeper meaning of life?Peter: Often that is the case. We very seldom do anything voluntarily. Many times the 'big' turning points or crises are the required changes that enable us to renew ourselves.Juanita: What topics to you discuss in "Fragments of Reality"?Peter: The book is about life and life is about everything. It has over 100 articles and poems ranging from happiness, relationships, love, death, money to tranquility and meditation to name a few.Juanita: You refer to the behavior of the mind not being completely trustworthy. What are some of the ways our mind plays tricks on us?Peter: Our mind distracts us from being in the very moment. Either we worry about the past or think about the future. But all those are just images and illusions in our mind. They are not real. We cannot change the past and the future has not yet arrived, still we are seldom here, right now. Everything happens only in the moment. How much of your life do you miss by not realizing it?Juanita: Why does the mind trick us in these ways?Peter: Mainly it has to do with the fact that we do not know who we are. We are afraid of being in the moment, with ourselves. We would rather fill the void moments by mp3-players, radio, or talking with someone. We are plain and simply restless, in our mind as well.Juanita: How long have you been contemplating the inner musings of mind and soul?Peter: I have always tried to have an open mind and observe things around and within. It's more like a state of mind or being like a child that is curious about everything and always asking silly questions.Juanita:"Fragments of Reality" is a collection of your deeply insightful, personal observations. What importance do you put on journaling and writing, and why? Would you suggest others write as a form of self exploration?Peter: Writing is just one way of expressing among others. It has its limitations compared to a live dialogue. However it is a great way to share ideas and experiences. For example, weblogs are a wonderful new way of writing that also enables better interaction directly with the readers. The style in weblogs can be very informal and therefore it could lower the bar to get started. If you haven't already, you definitely should at least give a try!Juanita: Your book is titled "Fragments of Reality." What is reality, and how can people having the same experience, and at the same time, have differing perceptions of that reality?Peter: Everybody has a different reality. It is based on our personal history, knowledge, experiences, assumptions, cultural background, observations, and so on. We only see and hear what we know.Juanita: Who has influenced and inspired you on your journey?Peter: I've been inspired by people in all walks of life - from great artists, musicians, philosophers, statesmen, but also by ordinary people. Every human being can be a source of inspiration – even the nature itself. Can you see it?Juanita: Do you think it takes a certain amount of contemplation, or inward thought to achieve true happiness?Peter: I think so. Trying to find happiness outside of oneself is a never-ending quest.Juanita: We seem to be living in a world that puts full priority on this external quest. Why do you think we are finding ourselves living in a world, and a time, with this many distractions?Peter: We are not outside of this world. We create this world. Therefore the distractions are out there as long as we prefer to have or need them. It is very easy to look outside and blame the circumstances or give excuses for not doing something because of some distractions. It requires a bit more character to make your own decisions and take life into one's own control, baring the consequences as well.Juanita: What have you found to be the key point to remember in one's pursuit of harmony and tranquility?Peter: First of all you have to be honest to yourself. Then all it takes is to be aware in the moment. Sounds easy but the trick is not to forget this while living…Juanita: Is it really possible to change our thought patterns and beliefs that lead us away from peace and harmony?Peter: Yes it is. The first step is to become aware of our repetitive thought-patterns and models. This is not easy and often the people around us can see them more clearly than we ourselves. The first chapter of the book is called 'Belief System' and it focuses on identifying some of these in order to help us to pinpoint them in our own thinking.Juanita: Peter, what have you found to be the meaning/s of life?Peter: To know ourself.Juanita: What are your hopes for readers of your book?Peter: Pick and choose. Select a topic of your current interest and ponder about it. I have received very good feedback from many readers who are reflecting on the book's topics in their daily lives and getting new insights and realizations. Enjoy and explore!Juanita: How can readers find out more about you and your endeavors?Peter: Naturally the book itself tells something about me. You can also visit the web-site http://www.fragmentsofreality.com/ for more information and contact me directly as well.Juanita: Peter, thank you for talking with us today. You've given your readers much to contemplate and hopefully they will be inspired to obtain a copy of "Fragments of Reality" and continue their explorations. Do you have any last thoughts for your readers?Peter: Thanks a lot Juanita. Sure, don't take life too seriously. Smile and have fun!Juanita Watson is the Assistant Editor for Reader Views.
http://www.readerviews.com
Category : Self-Improvement
วันจันทร์ที่ 8 ธันวาคม พ.ศ. 2551
2006-07 NFL Fantasy Running Back Ratings
Author : Brian Kevin Williams
This is the second part in a full-week feature of Fantasy Football rankings. We have gone over the top quarterbacks, and we'll now continue with the running-backs. We still have the wide receivers, tight ends, kickers, and defenses, left on tap for the rest of the week. We will also be including our "sleeper", "busts" , "break-out", and our "best overall value" picks for you in your fantasy draft. Today, we will be covering the runningbacks for your 2006-07 NFL season. This is a top list for who we think will perform the best, fantasy wise, in the upcoming football season.1. Shaun Alexander (Seattle Seahawks)
2. Larry Johnson (Kansas City Chiefs)
3. Ladanian Tomlinson (San Diego Chargers)
4. Tiki Barber (New York Giants)
5. Edgerrin James (Arizona Cardinals)
6. Ronnie Brown (Miami Dolphins)
7. Steven Jackson (St. Louis Rams)
8. Rudi Johnson (Cincinnati Bengals)
9. Brian Westbrook (Philadelphia Eagles)
10. Clinton Portis (Washington Redskins) *INJ*
11. Carnell "Cadillac" Williams (Tampa Bay Buccaneers
12. Lamont Jordan (Oakland Raiders
13. Julius Jones (Dallas Cowboys)
14. Willis McGahee (Buffalo Bills)
15. Dominack Davis (Houston Texans)
16. Willie Parker (Pittsburgh Steelers)
17. Reggie Bush (New Orleans Saints)
18. Jamal Lewis (Baltimore Ravens)
19. DeShaun Foster (Carolina Panthers)
20. Corey Dillon (New England Patriots)
21. Warrick Dunn (Atlanta Falcons)
22. Reuben Droughns (Cleveland Browns)
23. Chester Taylor (Minnesota Vikings)
24. Ahman Green (Green Bay Packers)
25. Kevin Jones (Detroit Lions)
26. Mike Bell (Denver Broncos)
27. Frank Gore (San Francisco 49'ers)
28. Thomas Jones (Chicago Bears)
29. Chris Brown (Tennessee Titans)
30. Greg Jones (Jacksonville Jaguars)
31. Cedric Houston (New York Jets)
32. Kevan Barlow (San Francisco 49'ers)
33. Dominic Rhodes (Indianapolis Colts)
34. Chris Perry (Cincinnati Bengals)
35. Marion Barber (Dallas Cowboys)
36. Deuce McAllister (New Orleans Saints)
37. Fred Taylor (Jacksonville Jaguars)
38. Cedric Benson (Chicago Bears)
39. Brandon Jacobs (New York Giants)
40. Samkon Gado (Green Bay Packers)
41. T.J. Duckett (Atlanta Falcons)
42. Laurence Maroney (New England Patriots)
43. Joseph Addai (Indianapolis Colts)
44. Michael Pittman (Tampa Bay Buccaneers)
45. Tatum Bell (Denver Broncos)
46. Ryan Moats (Philadelphia Eagles)
47. DeAngelo Williams (Carolina Panthers)
48. Mike Anderson (Baltimore Ravens)
49. Ron Dayne (Denver Broncos)
50. Najeh Davenport (Green Bay Packers)Sleepers: Lamont Jordan, Deuce McAllister, Michael Pittman
(Coming off a disappointing season, I expect Jordan to bounce back and have a strong year with a new QB and new coach. McAllister was a Pro-Bowl running back before last year's injury; Bush isn't going to get every single carry for the Saints, so I wouldn't overlook McAllister. Pittman is going to see some time in Tampa, especially if the Cadillac breaks down, which many people expect just might happen.)Busts: Brian Westbrook, Mike Bell, & Cedric Benson
(I could be wrong about Westbrook, but I'm not sold on the Eagles, or Westbrook's health being 100%. It's a nice story for Mike Bell in becoming named the #1 RB, but let's get real. It's still August and Tatum Bell is still going to get his carries. When has Cedric Benson not been a bust for fantasy owners?)Best Values: Rudi Johnson & Steven Jackson
(Johnson has quietly put up back to back years of at least 1,400 yards and 12 TD's. This guy is definitely underrated, and will only improve as his team improves. Entering his third year in the league, this is going to be a big year for Jackson. With Marshall Faulk completely out of the picture at this point, this will be Jackson's season.)Break-Out Year: Ronnie Brown
(Ronnie Brown was impressive when given the ball last year for the Dolphins. With Ricky Williams out of the picture entirely, Brown will be the featured back in the offense for Nick Saban and company. With a legit QB in Culpepper, the Dolphins will be for real, so will Brown.)The New York Sports HQ will be covering issues regarding professional baseball, football, hockey, and basketball. Under special circumstances, we will also be covering other sports, such as golf, soccer, auto racing, and horse racing. We will provide insight, up to date news, opinion pieces, and all sorts of other information regarding the New York Sports world.http://www.nysportshq.com/
Category : Recreation-and-Sports:Football
This is the second part in a full-week feature of Fantasy Football rankings. We have gone over the top quarterbacks, and we'll now continue with the running-backs. We still have the wide receivers, tight ends, kickers, and defenses, left on tap for the rest of the week. We will also be including our "sleeper", "busts" , "break-out", and our "best overall value" picks for you in your fantasy draft. Today, we will be covering the runningbacks for your 2006-07 NFL season. This is a top list for who we think will perform the best, fantasy wise, in the upcoming football season.1. Shaun Alexander (Seattle Seahawks)
2. Larry Johnson (Kansas City Chiefs)
3. Ladanian Tomlinson (San Diego Chargers)
4. Tiki Barber (New York Giants)
5. Edgerrin James (Arizona Cardinals)
6. Ronnie Brown (Miami Dolphins)
7. Steven Jackson (St. Louis Rams)
8. Rudi Johnson (Cincinnati Bengals)
9. Brian Westbrook (Philadelphia Eagles)
10. Clinton Portis (Washington Redskins) *INJ*
11. Carnell "Cadillac" Williams (Tampa Bay Buccaneers
12. Lamont Jordan (Oakland Raiders
13. Julius Jones (Dallas Cowboys)
14. Willis McGahee (Buffalo Bills)
15. Dominack Davis (Houston Texans)
16. Willie Parker (Pittsburgh Steelers)
17. Reggie Bush (New Orleans Saints)
18. Jamal Lewis (Baltimore Ravens)
19. DeShaun Foster (Carolina Panthers)
20. Corey Dillon (New England Patriots)
21. Warrick Dunn (Atlanta Falcons)
22. Reuben Droughns (Cleveland Browns)
23. Chester Taylor (Minnesota Vikings)
24. Ahman Green (Green Bay Packers)
25. Kevin Jones (Detroit Lions)
26. Mike Bell (Denver Broncos)
27. Frank Gore (San Francisco 49'ers)
28. Thomas Jones (Chicago Bears)
29. Chris Brown (Tennessee Titans)
30. Greg Jones (Jacksonville Jaguars)
31. Cedric Houston (New York Jets)
32. Kevan Barlow (San Francisco 49'ers)
33. Dominic Rhodes (Indianapolis Colts)
34. Chris Perry (Cincinnati Bengals)
35. Marion Barber (Dallas Cowboys)
36. Deuce McAllister (New Orleans Saints)
37. Fred Taylor (Jacksonville Jaguars)
38. Cedric Benson (Chicago Bears)
39. Brandon Jacobs (New York Giants)
40. Samkon Gado (Green Bay Packers)
41. T.J. Duckett (Atlanta Falcons)
42. Laurence Maroney (New England Patriots)
43. Joseph Addai (Indianapolis Colts)
44. Michael Pittman (Tampa Bay Buccaneers)
45. Tatum Bell (Denver Broncos)
46. Ryan Moats (Philadelphia Eagles)
47. DeAngelo Williams (Carolina Panthers)
48. Mike Anderson (Baltimore Ravens)
49. Ron Dayne (Denver Broncos)
50. Najeh Davenport (Green Bay Packers)Sleepers: Lamont Jordan, Deuce McAllister, Michael Pittman
(Coming off a disappointing season, I expect Jordan to bounce back and have a strong year with a new QB and new coach. McAllister was a Pro-Bowl running back before last year's injury; Bush isn't going to get every single carry for the Saints, so I wouldn't overlook McAllister. Pittman is going to see some time in Tampa, especially if the Cadillac breaks down, which many people expect just might happen.)Busts: Brian Westbrook, Mike Bell, & Cedric Benson
(I could be wrong about Westbrook, but I'm not sold on the Eagles, or Westbrook's health being 100%. It's a nice story for Mike Bell in becoming named the #1 RB, but let's get real. It's still August and Tatum Bell is still going to get his carries. When has Cedric Benson not been a bust for fantasy owners?)Best Values: Rudi Johnson & Steven Jackson
(Johnson has quietly put up back to back years of at least 1,400 yards and 12 TD's. This guy is definitely underrated, and will only improve as his team improves. Entering his third year in the league, this is going to be a big year for Jackson. With Marshall Faulk completely out of the picture at this point, this will be Jackson's season.)Break-Out Year: Ronnie Brown
(Ronnie Brown was impressive when given the ball last year for the Dolphins. With Ricky Williams out of the picture entirely, Brown will be the featured back in the offense for Nick Saban and company. With a legit QB in Culpepper, the Dolphins will be for real, so will Brown.)The New York Sports HQ will be covering issues regarding professional baseball, football, hockey, and basketball. Under special circumstances, we will also be covering other sports, such as golf, soccer, auto racing, and horse racing. We will provide insight, up to date news, opinion pieces, and all sorts of other information regarding the New York Sports world.http://www.nysportshq.com/
Category : Recreation-and-Sports:Football
วันเสาร์ที่ 6 ธันวาคม พ.ศ. 2551
What is Your Legacy?
Author : Matthew Tuttle
How will you be remembered after you are gone? Perhaps you don't care or perhaps you haven't thought about it. Maybe, if you are like me, you have thought about it quite a bit. Two events in my life really got me thinking about this issue. The first was at my grandmother's funeral. She lived in a small town in the south and I remember looking back on the funeral procession and seeing that it stretched as far as the eye could see. That small town must have been shut down that day. Then came my father's funeral. I remember a stream of people coming up to me, many whom I didn't know, telling me stories of how wonderful a person my father was. I wondered how many people would come to my funeral and what they would tell my children about me. What will your legacy be? Here are some questions to ask yourself.How is your estate plan?Do you have a will? If not, you have chosen to leave your assets to your heirs in the most confusing and time consuming manner possible. If so, that's a great first step but it may not be enough. A well thought out estate plan leaves your belongings to your heirs in the most efficient manner while taking into account their different needs and wants. Your will might cover large items but what about the small stuff lying around your house? If have heard horror stories about siblings who no longer talk because of fights over trivial items not included in the will. Have you left your home equally to your two children knowing full well that one will want to live in while the other will want to sell it? People do things like these all the time, yet it's a recipe for disaster.Are you properly insured?Will you leave behind enough money for your family to maintain their lifestyle or a stack of bills? A simple rule of thumb measure to figure out if you have proper insurance is cut in half and drop the zero. For example, if you have $500,000 in life insurance you divide that number in half ($250,000) and drop the zero ($25,000). This is how much annual income your heirs could expect to receive from the life insurance proceeds. This example ignores a number of variables but it is a good starting point in figuring out if you have proper insurance.Are you making smart choices with your money?Are the choices you are making with your money today in line with the kind of legacy you want to leave? Are you teaching your children to be financially literate? If you want to be charitable what are you doing to achieve that goal? If you want to help with your grandchildren's education how are you doing it? You can use your money to accumulate as many possessions as you want but after you are gone it is all meaningless. I will never forget going through my father's effects after the funeral and seeing tie collection that he was so proud of. Unfortunately, they were too outrageous for me to wear and my brother doesn't wear ties.What are you doing to make the world a more beautiful place?I recently read a book to my daughter entitled "Miss Rumphius". It is the story of a young girl who tells her grandfather that when she grows up she wants to travel to far away places and live by the sea. He informs her that there is a third thing she must do, something to make the world more beautiful. When she grows old she has traveled and lives by the sea but something is missing. She realizes that she has done nothing to make the world a more beautiful place. So she starts spreading flower seeds all over her town, and in short order flowers were blooming everywhere. What are you doing to make the world more beautiful?Matthew Tuttle is the author of "Financial Secrets of my Wealthy Grandparents". For more information, or to sign up for his free newsletter, please visit http://www.matthewtuttle.com.
Category : Finance:Estate-Plan-Trusts
How will you be remembered after you are gone? Perhaps you don't care or perhaps you haven't thought about it. Maybe, if you are like me, you have thought about it quite a bit. Two events in my life really got me thinking about this issue. The first was at my grandmother's funeral. She lived in a small town in the south and I remember looking back on the funeral procession and seeing that it stretched as far as the eye could see. That small town must have been shut down that day. Then came my father's funeral. I remember a stream of people coming up to me, many whom I didn't know, telling me stories of how wonderful a person my father was. I wondered how many people would come to my funeral and what they would tell my children about me. What will your legacy be? Here are some questions to ask yourself.How is your estate plan?Do you have a will? If not, you have chosen to leave your assets to your heirs in the most confusing and time consuming manner possible. If so, that's a great first step but it may not be enough. A well thought out estate plan leaves your belongings to your heirs in the most efficient manner while taking into account their different needs and wants. Your will might cover large items but what about the small stuff lying around your house? If have heard horror stories about siblings who no longer talk because of fights over trivial items not included in the will. Have you left your home equally to your two children knowing full well that one will want to live in while the other will want to sell it? People do things like these all the time, yet it's a recipe for disaster.Are you properly insured?Will you leave behind enough money for your family to maintain their lifestyle or a stack of bills? A simple rule of thumb measure to figure out if you have proper insurance is cut in half and drop the zero. For example, if you have $500,000 in life insurance you divide that number in half ($250,000) and drop the zero ($25,000). This is how much annual income your heirs could expect to receive from the life insurance proceeds. This example ignores a number of variables but it is a good starting point in figuring out if you have proper insurance.Are you making smart choices with your money?Are the choices you are making with your money today in line with the kind of legacy you want to leave? Are you teaching your children to be financially literate? If you want to be charitable what are you doing to achieve that goal? If you want to help with your grandchildren's education how are you doing it? You can use your money to accumulate as many possessions as you want but after you are gone it is all meaningless. I will never forget going through my father's effects after the funeral and seeing tie collection that he was so proud of. Unfortunately, they were too outrageous for me to wear and my brother doesn't wear ties.What are you doing to make the world a more beautiful place?I recently read a book to my daughter entitled "Miss Rumphius". It is the story of a young girl who tells her grandfather that when she grows up she wants to travel to far away places and live by the sea. He informs her that there is a third thing she must do, something to make the world more beautiful. When she grows old she has traveled and lives by the sea but something is missing. She realizes that she has done nothing to make the world a more beautiful place. So she starts spreading flower seeds all over her town, and in short order flowers were blooming everywhere. What are you doing to make the world more beautiful?Matthew Tuttle is the author of "Financial Secrets of my Wealthy Grandparents". For more information, or to sign up for his free newsletter, please visit http://www.matthewtuttle.com.
Category : Finance:Estate-Plan-Trusts
วันอาทิตย์ที่ 30 พฤศจิกายน พ.ศ. 2551
Sideways Market
Author : Al Thomas
Last year you could have used a dart, thrown it at a stock page in the newspaper and bought that stock. By the end of the year you probably would have had a nice profit. This year you can retrieve your dart, throw it again, and there is about a 90% chance that any stock you hit will be down from its previous highs. What's going on?Even with my more than 30 years experience of trading markets there is one simple answer - more sellers than buyers. I'm not being facetious. In all those years I can't recall a market that went up this quickly, but I have seen them come down even faster. Remember the 20% loss of the DOW in 1987? In one day! Many of you don't. This break is a good lesson for those who failed to put trailing stop loss orders on all their stocks.Your broker certainly did not recommend a stop. His company discourages that sort of thing. Why I will never be able to logically understand, as it would benefit both the customer and the brokerage house. How? If you were sold out at a much higher price than that dog you have in your account now you would have more capital to invest when the market turns up again. You are a happy camper and the broker makes more commission because you have more money in your account to invest.Check out the stocks or mutual funds you now have in your portfolio. See where you would have been stopped out if you had had approximately a 10% trailing stop loss. I can almost guarantee you would have more money in your account today than you do right now.Let's try to use some common sense to figure out why this market is going nowhere at this time. Think of all the people who are sitting on stocks that are selling for less than they paid for them. A lot, huh?
I can bet many of them are saying to themselves, "I'm going to sell XYZ as soon as it goes up to where I can get out even". This effectively puts a cap on any strong rally.What are the pros doing here? Each time the market falls near its former lows they are in there buying from those people who have become discouraged and no longer want to wait for the market to head up. This is support.We have a group willing to sell their shares when there is a rally and another group willing to purchase shares when the market starts down which gives us the reasons for this sideways market.It is very difficult to make money in this type of situation so you must be very choosy with your purchases. Fundamentals don't apply well here. Technicians can make money provided they will sell with small profits. For those interested in the long term they must be patient enough to wait for the next leg up.Al Thomas' book, "If It Doesn't Go Up, Don't Buy
It!" has helped thousands of people make money
and keep their profits with his simple 2-step
method. Read the first chapter at
http://www.mutualfundmagic.com
and discover why he's the man that Wall Street
does not want you to know.Copyright 2005
Category : Leukemia
Last year you could have used a dart, thrown it at a stock page in the newspaper and bought that stock. By the end of the year you probably would have had a nice profit. This year you can retrieve your dart, throw it again, and there is about a 90% chance that any stock you hit will be down from its previous highs. What's going on?Even with my more than 30 years experience of trading markets there is one simple answer - more sellers than buyers. I'm not being facetious. In all those years I can't recall a market that went up this quickly, but I have seen them come down even faster. Remember the 20% loss of the DOW in 1987? In one day! Many of you don't. This break is a good lesson for those who failed to put trailing stop loss orders on all their stocks.Your broker certainly did not recommend a stop. His company discourages that sort of thing. Why I will never be able to logically understand, as it would benefit both the customer and the brokerage house. How? If you were sold out at a much higher price than that dog you have in your account now you would have more capital to invest when the market turns up again. You are a happy camper and the broker makes more commission because you have more money in your account to invest.Check out the stocks or mutual funds you now have in your portfolio. See where you would have been stopped out if you had had approximately a 10% trailing stop loss. I can almost guarantee you would have more money in your account today than you do right now.Let's try to use some common sense to figure out why this market is going nowhere at this time. Think of all the people who are sitting on stocks that are selling for less than they paid for them. A lot, huh?
I can bet many of them are saying to themselves, "I'm going to sell XYZ as soon as it goes up to where I can get out even". This effectively puts a cap on any strong rally.What are the pros doing here? Each time the market falls near its former lows they are in there buying from those people who have become discouraged and no longer want to wait for the market to head up. This is support.We have a group willing to sell their shares when there is a rally and another group willing to purchase shares when the market starts down which gives us the reasons for this sideways market.It is very difficult to make money in this type of situation so you must be very choosy with your purchases. Fundamentals don't apply well here. Technicians can make money provided they will sell with small profits. For those interested in the long term they must be patient enough to wait for the next leg up.Al Thomas' book, "If It Doesn't Go Up, Don't Buy
It!" has helped thousands of people make money
and keep their profits with his simple 2-step
method. Read the first chapter at
http://www.mutualfundmagic.com
and discover why he's the man that Wall Street
does not want you to know.Copyright 2005
Category : Leukemia
วันพุธที่ 26 พฤศจิกายน พ.ศ. 2551
Baby Shower Theme
Author : Vincent Chua
There are people who prepare not to select a theme when they prepare for a baby
shower. However, having a baby shower theme makes the celebration more
organized.When you have chosen a theme, you can easily think about what decoration you are
going to use for your preferred theme. Without a theme, you are prone to picking
several items that you feel will look good, combine these, and get an unorganized
look.Selecting and preparing a baby shower theme is not a complicated task. Here are
some suggestions to give you an idea on how to create a theme for your baby
shower.Teddy BearsSince the teddy bear is one of the first toys your child will own, it is nice to have a
teddy bear theme. You can use med-sized teddy bears to design the baby shower
party area. It is not necessary to buy the teddy bears; you can borrow these from
friends and family members. Also, you can purchase small teddy bears as party
favors to give to your guests.StarsStars represent dreams. "A star is born," they say. You can decorate the place with
stars hanging from thin strings. You can also design the walls and the ceiling with
stars and heavenly bodies. The program may also include wishes for the baby on
how he or she will be a dazzling star.DiapersThis is the basic need of the newborn baby. The baby shower organizer can
decorate the area with diapers, especially those with cute colors and designs. You
can even prepare a diaper cake by neatly stacking the diapers together.The organizer can also ask the guests to bring diapers as gifts. A better idea would
be to have a raffle for a special prize in which the raffle entry will be a diaper. This
will help the guests since they wouldn't have to think on what gift to buy. It also
helps the parents a lot, since they will have a supply of diapers for several months.BooksBaby and kid books are good gifts for the baby. With a collection of baby books, the
parents can have a small library for the baby.The decorations can be anything related to books. You can place books on the
table, or design the walls with books. You can even have a book-shaped cake and
cookies.Noah's ArkThis is a good idea if the parents are expecting twins. The guests will be requested
to bring a pair of gifts for the babies. Pairs of stuffed animals may be used to
decorate the place.Prince/PrincessEveryone wants the new baby to feel like a prince or a princess. You can adorn the
place with fairy tale concepts pertaining to royalty. You can create miniature towers
and castles, a garden and shining stuff fit for a royalty.FairyThis is a good option if you will be having the baby shower in the garden. You can
enhance the garden surroundings to make it look like the home of fairies. You can
include vines, arches, bees and butterflies, as well as small fairy-like decorations to
create a fairy garden.CharactersYou can choose a storybook or cartoon character as a theme. How about a
superhero? There are lots of options, and once you have selected one, you can
think about what items the character is associated with that you can use for the
party.With these simple ideas, you can conceptualize a special baby shower theme that
will be remembered by the parents and the guests.© Copyright Vincent Chua, All Rights Reserved.Vincent has dozens more baby shower related articles and tips at his site: baby shower theme,
check them out today!
Category : Home-and-Family:Babies-Toddler
There are people who prepare not to select a theme when they prepare for a baby
shower. However, having a baby shower theme makes the celebration more
organized.When you have chosen a theme, you can easily think about what decoration you are
going to use for your preferred theme. Without a theme, you are prone to picking
several items that you feel will look good, combine these, and get an unorganized
look.Selecting and preparing a baby shower theme is not a complicated task. Here are
some suggestions to give you an idea on how to create a theme for your baby
shower.Teddy BearsSince the teddy bear is one of the first toys your child will own, it is nice to have a
teddy bear theme. You can use med-sized teddy bears to design the baby shower
party area. It is not necessary to buy the teddy bears; you can borrow these from
friends and family members. Also, you can purchase small teddy bears as party
favors to give to your guests.StarsStars represent dreams. "A star is born," they say. You can decorate the place with
stars hanging from thin strings. You can also design the walls and the ceiling with
stars and heavenly bodies. The program may also include wishes for the baby on
how he or she will be a dazzling star.DiapersThis is the basic need of the newborn baby. The baby shower organizer can
decorate the area with diapers, especially those with cute colors and designs. You
can even prepare a diaper cake by neatly stacking the diapers together.The organizer can also ask the guests to bring diapers as gifts. A better idea would
be to have a raffle for a special prize in which the raffle entry will be a diaper. This
will help the guests since they wouldn't have to think on what gift to buy. It also
helps the parents a lot, since they will have a supply of diapers for several months.BooksBaby and kid books are good gifts for the baby. With a collection of baby books, the
parents can have a small library for the baby.The decorations can be anything related to books. You can place books on the
table, or design the walls with books. You can even have a book-shaped cake and
cookies.Noah's ArkThis is a good idea if the parents are expecting twins. The guests will be requested
to bring a pair of gifts for the babies. Pairs of stuffed animals may be used to
decorate the place.Prince/PrincessEveryone wants the new baby to feel like a prince or a princess. You can adorn the
place with fairy tale concepts pertaining to royalty. You can create miniature towers
and castles, a garden and shining stuff fit for a royalty.FairyThis is a good option if you will be having the baby shower in the garden. You can
enhance the garden surroundings to make it look like the home of fairies. You can
include vines, arches, bees and butterflies, as well as small fairy-like decorations to
create a fairy garden.CharactersYou can choose a storybook or cartoon character as a theme. How about a
superhero? There are lots of options, and once you have selected one, you can
think about what items the character is associated with that you can use for the
party.With these simple ideas, you can conceptualize a special baby shower theme that
will be remembered by the parents and the guests.© Copyright Vincent Chua, All Rights Reserved.Vincent has dozens more baby shower related articles and tips at his site: baby shower theme,
check them out today!
Category : Home-and-Family:Babies-Toddler
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