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Different people have different needs. Depending on who you are and your circumstances, the best credit card deal for you will vary. I will take you through the things you should be looking for, but for the best current deals I suggest you check Money Savings Expert regularly (http://www.moneysavingexpert.com).

Credit cards allow you to spend a certain amount of money at an interest rate that will be charged every month. The spending amount that is available to you can be seen differently. Some see it as an additional amount to spend, some see it as a risk-free' borrowing opportunity. Credit card spending is not a free' spending opportunity, as you will need to pay this money back. This money does not work like a loan, as the amount available to you is not all cash. However, it can be treated as a loan' and this concept will be explained later.

Other very important concepts that have to be understood before getting a credit card, is 0% offers. There are two kinds of 0% offers: on purchases and on balance transfers. The first one allows you to spend the money provided to you by the credit card without paying any interest for a certain amount of time. So, for example, if the credit card gives you a limit of 500 for three months, then you can spend 500 against this credit card and not be charged interest for the first three months since the credit card was opened. However, once this period of time expires, you will be charged the credit card interest rate. This interest differs depending on the credit card, so if you intend to pay this interest, then you ought to look for the lowest interest rate available. Paying interest can be avoided, unless you have already overspent too much and are using credit cards to pay off other credit card interest. In this case you should call some of the debt consolidation companies and try to get some your credit card debt written off. Another reason why you might be in the position of paying interest is because you forgot when your 0% free time' ended. If this is the case, you will be informed about this with your first bank statement. Transfer your balance to a different bank or pay the debt off and avoid any further interest payments.

For those of you who don't have interest payments, you can take advantage of the 0% purchasing and make some money. You need a good credit history record to make this work and you also need to be disciplined. The easiest method is to do all of your normal spending against the credit card, while putting the money that is coming in into an interest-earning savings account. For example, if your credit card company lets you borrow 2,000, and you have 1,000 coming in as a salary every month, then put the 1,000 into a savings account and do all of your purchasing with a credit card. There are a few things to watch out for: credit card companies will charge you for cash withdrawals; your cash limit is much lower then the full available credit; and choose a savings account from which you can withdraw easily. At the end of the 0% purchase period, you will need to return all the money that you have spent against your credit card. You should have that amount available in the savings account by then, plus interest. The interest gained is your earnings for this transaction. You can earn even more if you chose a credit card with a cashback deal. This deal will pay you interest on all of your purchases made with the card. However, you should remember, that this is a money-making technique, rather then a spend more' opportunity. There is a more complicated trick of making money from credit cards, details of which are outlined by Money Saving Expert (2006).

If you are making money from the credit cards, there is no need for you to get card protection insurance, as you should have enough money to pay off the credit card debt at any time. At the end of the 0% purchasing period, you can also transfer the balance to a different card provider. This is known as 0% balance transfer, but you will be charged a fee for these transactions, usually around 2%. However, these fees vary, so you need to check the conditions. There are a few things to watch out for: the credit limit offered by your bank also includes your purchases. For example, if the new credit card offers you a 2,000 limit, with 0% balance transfer for 12 months and 0% on purchases for three months, and you have transferred 1,500 from your old credit card, you only have 500 to spend on this credit card. The second thing to watch out for is your credit score. "Most lenders' scoring systems aren't sophisticated enough to detect that you're playing this free-cash game. Yet multiple applications, especially at the same time, coupled with high outstanding debts, even at 0%, will diminish your ability to get competitive credit, so the most important thing is to spread card applications out" (Money Savings Expert, 2006).

However, if you are in the position where you are already fighting the interest payments, as has been mentioned before, the best thing to do is to call debt consolidation experts. In any circumstances it is best to pay off the most expensive credit and store cards first (i.e the ones that charge the highest interest rates). Furthermore, avoid opening any new credit cards to pay off the debt. Instead transfer your high-interest debt to lower interest rate credit cards. For example, if your credit card interest rate is 16%, while your store card rate is 25% per month, transfer the store card balance over to the credit card.

Whatever your circumstances, when you do open a new credit card always look for the longest 0% balance transfer and 0% purchase period, lowest transfer fee and interest rate charged afterwards. The limit offered to you will not only depend on your salary and credit rating, but also on the company that you go with.

Finally, do not forget don't play the credit card game if you cannot control it or have a high debt already.

References

Money Savings Experts 2006 "Card Trick" [Available from]: http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1076883546,34894 (Accessed on: 10/11/06)

Money Savings Experts 2006 "Card Card Shuffle" [Available from]: http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1102335753,51771 (Accessed on: 10/11/06)

Money Savings Experts 2006 "Credit Card Newbie MoneySavers Guide" [Available from]: http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1103212597,43859, (Accessed on: 10/11/06)

Copyright © 2006 Verena Veneeva

This article was written by Verena Veneeva professional writer working for http://www.coursework4you.co.uk

1.The Law of Perpetual Transmutation:

The best definition of Natural Law seems to be that, "it is the uniform and orderly method of the omnipotent God. Unlike any other form of animal life that has been created, we were given the power of choice or free will; along with this power came certain responsibilities. The capacity to choose does not involve freedom from the consequence of our choice. The laws or rules which govern every individual, and which we cover to some degree in this book, are as exact as the laws which govern the material universe. You can act in accordance with these laws or you can disregard them, but you cannot in any way alter them. The law forever operates and holds you to strict accountability, and there is not the slightest allowance made for ignorance. The law of attraction will deliver to you what you do not want as quickly and as certainly as it will deliver what you do want.

2.The Law of Relativity:

In the study of this law, we find that all things are relative. All laws are related to each other and correspond with each other. The laws of the little are the laws of the great. There is no big nor small, fast nor slow, except by comparison. Every law that is a law must be relative to all other laws. In other words, they must be in harmony, agreement and correspond with each other. An understanding of this law will give one the means of solving many of the secrets of nature that seem to be para- doxical. The much discussed fourth dimension is nothing more nor less than the dimension of vibration. Again, all rates of vibration are either high or low, only by comparison with those above or below them. Whenever the law is properly used, you win. Let's remember that everyone does something better than you and, likewise, you do something better than every person you meet. When you relate something you do that you are not proficient at, to something another person does that they have mastered, you will not look good. You are using the law against yourself. Begin using this law to heighten your self esteem. You will then become aware of how special you are in the light of truth. 3.The Law of Vibration and Attraction:

Everything in the universe vibrates...nothing rests. We really do live in an ocean of motion. This truly contains the great secret of life. You are always moving toward something and it is always moving toward you... it's action and attraction. This is where your intuitive factor is used (or should be). You can use it to pick up other people's vibrations. When you consciously become aware of vibrations, you call them feelings. When you feel bad, you can change your feelings by thinking good thoughts. When you pick up abad feeling from another person...you know they must be thinking disturbing thoughts. You must not let their negative vibrations affect your way of thinking. Your thoughts are vibrations that you send off into the universe. When you concentrate, the vibrations are stronger. Your thoughts are cosmic waves of energy that penetrate all time and space (vibrations). Thought is the most potent vibration and remember that you can think...that makes you a very special creation (God's greatest masterpiece). You should always be delighted with yourself. (All creation begins in thought.) Your thought controls the vibration your physical body is in. Disease is a body that is not at ease. Health is a body at ease.

4.The Law of Polarity:

Everything in the universe has its opposite. There would be no inside to a room without an outside. If you referred to this side of the sheet of paper that these words are writen on as the top, then the other side would be the bottom. You have a right and left side to your body, a front and back. Every up has a down and every down has an up. The law of polarity not only states that everything has an opposite...it is equal and opposite. If it was 3 feet from the floor up on to the table, it would be 3 feet from the table down to the floor. If it is 150 miles from Manchester to London, by law it must be 150 miles from London to Manchester; It could not be any other way. If something you considered bad happens in your life, there has to be something good about it. If it was only a little bad, when you mentally work your way around to the other side, you will find it will only be a little good.

5.The Law of Rhythm:

The law of rhythm embodies the truth that everything is moving to and fro, flowing in and out, swinging backward and forward. There is a high and a low tide. Everything is flowing, both in and out, in accordance with the law. There is always a reaction to every action. Something must advance when anything retreats; Something must rise when anything sinks. This law governs the movement of the planets in their orbits and also manifests in the mineral and vegetable kingdoms. Men and women can observe this law in their mental, physical and emotional states. The law of rhythm is universal. This can be observed in the rising and setting of the sun and moon, ebb and flow of the tides, coming and going of the seasons, and in the rhythmic swing of consciousness and unconsciousness.

You are not going to feel good all the time; No one does. If you did, you wouldn't even know it. The low feelings are what permit you to enjoy the high feelings. There will always be highs and lows in life. Reason gives us the ability to choose our thoughts (that is free will). Even when you are on a natural down swing, you can choose good thoughts with your free will and continue to move up toward your goal.

6.The Law of Cause and Effect:

Every cause has its effect; every effect, its cause. There is no such thing as chance. Everything happens according to law. Nothing in the entire universe ever happens, unless it occurs according to law. Nothing ever escapes the law. It is impossible for the human mind to conceive of starting a new chain of causation, for the simple reason that every effect must have a cause; and in turn, that cause must have an effect. Thus, we have the perpetual, never-ending cycle of cause and effect.

Ralph Waldo emerson called the law of cause and effect, the law of laws. You are, of course, very interested in results. Your physical health, your relationships, the respect you earn, your material income. You must concentrate on the cause, and the effect will automatically take care of itself. That is how the law works.

7.The Law of Gender:

The law of gender manifests in all things as masculine and feminine. It is this law that governs what we know as creation. The word creation is often erroneously used, for, in reality, nothing is ever created. All new things merely result from the changing of something that was, into something else that now is. The law of gender manifests in the animal kingdom as sex. It also manifests in the mineral and vegetable kingdoms. Without the dual principle of male and female in all things, there could not be a difference of potential, perpetuation of motion, nor a regeneration. This law is the one which finally closes the cycle and completes the circle of the seven subsidiary laws under one great law.

This is in truth, the creative law. This law decrees everything in nature is both male and female. Both are required for life to exist. This law also decrees that all seeds (ideas are spiritual seeds) have a gestation or incubation period before they manifest. In other words, when you choose a goal or build the image in your mind, a definite period of time must elapse before that image manifests in physical results.

For more information on this article or this subject and to obtain the first 7 lessons free at no obligation, please visit http://positive1.thesgrprogram.com

Diehard liberals train their entire lives for the greatest prize their little hearts can dream of the Sanger Cup. The Sanger Cup is named after Margaret Sanger, far left liberal, racist and Mother Superior of the modern abortion movement and is awarded yearly to the champion of the Liberal Mental Gymnastics competition. Liberal Mental Gymnastics you ask? What is that?

Simply it is a grueling competition. Liberals take an innocuous set of facts and put these facts through a routine of ungraceful back flips, forced tumbles, tosses through hoops of fire and other arduous feats all in an attempt to make these facts support a premise completely unsupported by the facts.

Never heard of the Sanger Cup? Well thats because I just made it up. It actually does exist, although not as an official competition with that name. Every year liberals do gather up collections of facts that prove just how unwilling they are to take responsibility, respect peoples rights, limit government control and so on and try to force feed the American public some idiotic contortion of them. All in the vain attempt of trying to be proven right on some issue. I simply have finally put a name to it.

Apparently I missed the memo that qualifying for the championships had begun. But looking at recent events from comments by John cut and run Murtha to actions by Cynthia inappropriate touching of a cop McKinney I can clearly see that the race for the cup has begun.

And it looks like this years competition promises to be heavily contested.

This past Sunday we had our latest entrant, a woman who identified herself as Dana L.. Dana entered the arena with a bag over her face for fear of being recognized and with a thesis that conservative politics and the Bush Administration forced her to do something that she didnt want to do. That something? Have an abortion. (1)

To be sure her entry was not without some controversy. Planned Parenthoods judge Harriet Leggs (known affectionately to her friends as Harry) strongly objected to Dana being invited to qualify. And with Planned Parenthood having a permanent seat on the judging panel the threat of a veto was imminent. If true it is a turning point for which we should be praising the Bush Administration for! Every woman has a right to abort her child and we are glad to see the evil conservatives are finally enforcing that right! Harriet screeched.

However, Michael Newdow who had obtained one of the open seats on the committee this year after being told he would not be allowed to submit another long winded and boring Separation of Church and State display won over the panel saying, Dont you see? She might be able to prove that George Bush is really a baby killer and wants to prevent women from controlling their own bodies.

A quick vote was taken and it was agreed that proving how evil George Bush is was more important than intellectual consistency. All voted in favor except for Kofi Annan who abstained in protest that his idea to levy sanctions against the Bush Administration would not be heard.

As Dana finally was allowed to take to the floor for her routine it was clear from the start however that the dreams of the liberals for proof of how evil George Bush was would not be coming with this entrant. It was her first attempt at qualifying and she was clearly uneasy.

Immediately she was slapped with a mandatory full point deduction for uttering the phrase Well, not really. The audience gasped at such an amateur mistake. Dana had apparently not read the official rules of the event which strictly prohibit any participant from admitting what they said was not 100% true. The proper course of action, when having to clarify what you say, according to the rules was to blame it on being misquoted by the Vast Right Wing Conspiracy.

She did however recover slightly gaining back a quarter point for continuing with let me explain. After all in mental gymnastics it is all about the explanation.

She then tried what has become known as a Moore Flip named after acclaimed (by the left anyway) filmmaker Michael Moore and judge at this years event. However she instead turned it into a painful face plant by admitting that she was married (minus half a point) and to a man none the less! That lost her another automatic 2 points. And to add insult to injury the judge from the National Organization for Women took off an extra 10 points just for good measure.

But still Dana struggled on. Pushing up off the mat she tripped again admitting to having two children (mandatory quarter point deduction for each) but looked to gain a little favor with the judges for admitting that she was a working mom and put her work over family. A mandatory one point gain.

Then it really got ugly. She admitted to having sex. And it looked like the judges were ready to give her a bonus until she admitted that it was with her husband. Automatic two point deduction. After it became clear that she had sex with her husband she lost another two points for not using contraception and another five mandatory points for not having forced him to be sterilized.

There was another two points deducted per the rules when she admitted she had gotten pregnant but it became a wash when the judges awarded her 2 points for having the child aborted.

The rest of her routine was pretty much as ho-hum as the start. She did gain a couple points for blaming the abortion on the Bush Administration and their desire to keep Plan B (aka RU 486 the morning after pill) from being freely available over the counter and her doctors for failing to protect her rights and give her a prescription. But she lost 5 mandatory points when it became clear that she did not have a ready supply of instant abortion at her bedside to purge her womb of unwanted parasites.

Teddy Kennedy (this years celebrity judge) was drowning himself in Chivas Regal by the half way point and Passion Moonflower, the lesbian hippie love child judge, was clearly unable to watch as she left with her cross dressing lover.

And as it ended Dana, her face still hidden in shame behind the bag, stood shaking with her arms stretched skyward waiting for the applause she thought would come. However what applause there was was scant and halfhearted at best.

She sighed and lowered her head and walked off the floor. Cindy Sheehan, the 2005 Sanger Cup Champion yelled from her skybox of honor, Boo! You are a disgrace to the cause!

Michael Moore, whose judging was clearly the harshest, said Really it was down right pathetic. He added, She should have just stayed on the message of George Bush made me have an abortion instead of basically admitting that it was her fault she got pregnant in the first place. And a little embellishment wouldnt have hurt either.

When asked to clarify what he meant by that Moore replied, You know, embellishment. Like saying that George Bush spirited her away in the middle of the night and then went on vacation and read books to school children all the while not caring what happened to her.

A conservative in the crowd was heard muttering that Plan B could have been simply to accept the mistake, have the child and raise it in a loving home. Police are still questioning suspects in his disappearance shortly after those comments. They believe that they are close to a breakthrough in the case searching a nearby warehouse for the body.

(1) What Happens When There Is No Plan B? By Dana L. http://www.washingtonpost.com/wp-dyn/content/article/2006/06/02/AR2006060201405.html

J.J. Jackson is the owner and Lead Editor of American Conservative Politics - The Land of the Free (http://www.thelandofthefree.net) and American Conservative Daily (http://www.americanconservativedaily.com) He is also the owner of American Infidel T-shirts (http://www.cafepress.com/americaneagle04)

Demi Moore and Ashton Kutcher. Madonna and Guy Ritchie. Your old high school English teacher and... your best buddy?! Hey, it could happen. These days, if an older woman wants a baby, she can have one.

There will always be the Traditional Tina, scoping out an older fella whos "on her maturity level" as she likes to think- and who's willing to play provider. But what of the ever-growing population of footloose women with their crazy cradle-robbing ways? Is this another Maggie May, who, as Rod Stewart tells it, will "wreck your bed, and in the morning kick you in the head?" Or is she some lonely desperado, hoping to latch on to a kinder, gentler generation of men? Here are some insights as to why some women prefer to date younger guys.

Not every girl wants a father figure. Often, a man whos older than you assumes a protective and paternal role; and to many women, this is a real turn-off. Why? Well, for starters, we already have a daddy! Not to mention, the woman who holds a high-paying exec job Monday through Friday may have some trouble playing Helpless Heather on the weekends. She's used to taking care of herself, speaking on her own behalf, and yes, even paying her own way without the help of Daddy Warbucks.

Younger men are often better in bed. Ahh, the cruel irony of life. Remember sex with your college girlfriend? That 21-year-old fraidy cat is now a tigress of temptation. Something funny happens to women as they age. Their testosterone levels increase; oddly enough, around the same time that mens are plummeting. The hormone surge gives ladies a libido lift, which is why women in their 30s and 40s just want to get busy. Meanwhile, our same-age male counterparts are busy studying the inside of their eyelids. Need I say more?

Younger guys look up to an older, successful woman. Lets talk about those corporate power babes again. Sometimes, it's lonely at the top... but not when there's a starry-eyed cutie-pie smiling up at you! There's something to be said for having a younger guy who admires you for your accomplishments. It makes you feel great, and the sad fact is, you cant always get that kind of respect from an older man. Baby Boomers may love Donna Reed, but guys born later can understand and better appreciate women who go after their dreams.

The metrosexual male is our cup of tea. Nothing like having your boy over for some afternoon delight and finding out he borrowed your loofah in the shower. The New Generation of open-minded guys is A-OK in our book! This guy can whip up a Thai stir-fry using organic ingredients, grooms his fingernails and his toenails, is politically-correct to a fault, and wont eat Starkist if it might harm the baby dolphins. To the 40-something who grew up with Archie Bunker, he's a breath of fresh air.

Girls just want to have fun. Some of us are downright immature, and were not afraid to say it! Perhaps "young at heart" is the better term, but the point is this: some old gals really do just want to have fun. Lots of broads who are pushing fifty still rock out at concerts, drive 70 mph with the top down, stay out all night, flip people off when necessary, and generally wreak havoc. Thats not to say we cant find a man of ANY age to engage in juvenile antics with us... but, well, the younger ones just seem more willing to join in the fun.

Some women are late bloomers. Embarrassing as it may be, plenty of chicks spend the better part of their 20s mired in self-doubt and confusion. Instead of kicking back like they should have, the rainclouds of pessimism hung around to dampen their fun and turn them into neurotic freaks. Ten years later, some of those very same basketcases have mellowed into chill ladies who are just now ready to embrace life to the fullest. If this involves cavorting with young fellas in ways they never thought possible, all the better! Better late than never, right girls?

Guys in their prime are ohhhh, so fine. If you had to choose between a thick, juicy steak and some shriveled up beef jerky, which one would you pick? In the same way that men can't help looking at supple young girls, we ladies find ourselves drawn to guys under thirty. Younger men have tight bodies, bright eyes, great smiles, and usually a crowd of buddies to keep them laughing and pumped for excitement. What's the alternative? The balding bachelor with a beer gut who sits home smoking stogies and listening to Springsteen's Glory Days on repeat mode? No, thanks!

In all seriousness, it shouldnt matter the age of two people who mutually respect and enjoy each others company. We love who we love, not matter what their age or what they look like. If an older woman and a younger man feel comfortable having a relationship, then no one has the right to criticize them. To the lady who simply likes a quick fling with a hot young stallion? Heres to you, Mrs. Robinson.

Copyright 2005 Dina Giolitto. All rights reserved.

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