Sports

Sports Activities: An Invigorating Family Past Time

If you are feeling bored, listless, and out of shape, you need a new past time. Sports activities will get your blood pumping and help you get back into shape. Not only will you be getting good exercise but you will be starting a valuable family past time. Sports activities are a great way to spend time with your kids. So get up off the couch, put down that soda, and get out in the yard for a little touch football.

If touch football is not for you, why not play a little kickball with your kids? Set up a diamond similar to a baseball diamond. Now the pitcher rolls a large soft ball, like a playground ball, on the ground to the “batter.” Only in kickball, the batter kicks the ball and runs to first base. Since the ball is soft, the fielding team can throw the ball at the runner to get him out. Since the kicker will almost always manage to kick the ball and foul balls are rare, this is a classic game to play with young kids and others who are not very athletic.

A fun family game that makes a good past time sports activity is tetherball. This rousing game can be played with one or two people. Tetherball is called that because the ball is on a tether – it is on a rope tied at the top of a pole. The ball hangs about hand level. The object is to hit the ball and make the rope wrap around the pole. The two players attempt to make the ball go different directions. If you have never played tetherball, you should give it a try. It is really fun! And it really gets you moving (and laughing!)

Sand volleyball may have started on the beaches, but many towns are now installing sand volleyball courts in their public parks. The littler kids can sit in a safe place and play with their sand toys while Mom, Dad, and the older kids hit a beach ball or volleyball back and forth over a net. The sand feels good on bare feet (but not so good inside your shoes!) The kids will enjoy this past time sports.

A cross between volleyball and tennis that many families enjoy is badminton. In this game, the object is to use lightweight rackets to volley a “birdie” back and forth over a net. The birdie looks like a little plastic funnel attached to a firm rubber ball. You hold the birdie by the plastic and drop it onto your racket to serve to the other team. Badminton moves more slowly than tennis and is a leisurely way to get moving with the kids. You’ll get some exercise, though!

Kids are naturally energetic and active, making past time sports activities extremely attractive to them. Since parents need to be spending more quality time with their kids as well as needing to get more exercise, too, these vigorous games are a good idea for everyone. Some say that the family that plays together stays together. This could be so, since exercise gets positive hormones flowing in your mind, putting you and everyone else in a better mood. Don’t get so competitive that your family past time sports cease to be fun. Just volley that ball or birdie for fun and exercise.

Auto

Auto Lease Financing

For auto-consumers, crunching the numbers is one of the most difficult and confusing aspects of leasing.

Take the finance charge on a lease for instance. Most people just don’t understand how this is calculated on capitalized cost AND residual value instead of just the capitalized cost. For most, it seems plainly obvious, just as is the case when purchasing, that a charge should be levied on the capitalized cost of the vehicle.

Well, no quite! When you lease a car, you’re only using the car over a specified period of time with the option of buying the car. The residual value represents the ‘loan balance’ at the end of the lease. If you add it to the capitalized cost and divide by two, you’ll get the average capitalized cost outstanding over the lease term. Let us suppose you’re leasing a car with a capitalized cost of $25,000 and a residual value of $15,000. You average balance over the lease term, irrespective of how long it is, is $20,000 – the sum of the two divided by two.

Using this sum works because the money factor is the annual interest rate divided by 24, rather than 12. Continuing with our example and assuming an interest rate of 6% APR:
$30,000 X (6 per cent / 24) = $75
(Capitalized cost + residual value) X (interest rate / 24) = Monthly finance charge

This finance charge is added to the depreciation charge to calculate the monthly payments on your lease.

Pets

Dealing With Cat Allergies

Cats are one of the most loved pets in the world, no question about it. More than 50% of all households in the United States own dogs and cats. Although cats are loved animals, cat allergies are one of the common forms of allergies. Statistics in the past have shown that over 10 million people in the U.S. alone have allergic reactions to cats – especially their fur.

The biggest cause of cat allergies is dander. The dander, is dust that is produced by the body of the cat. Dander is basically shed skin that comes off of cats, normally in the form of small flakes. Although dander can irritate your skin, it can also get into your immune system as well, resulting in a variety of symptoms and almost immediate allergic reactions.

The dander, once in the immune system, is perceived to be a threat. Even though it isn’t classified as a disease, it’s more of a reflex by your body and your immune system. Cat allergies occur quite often due to cats having allergens that are spread throughout their blood, urine, and saliva. Although a cat may not be present at the time, the excretions probably still are.

Cat dander, urine, and saliva, are found throughout the home of cat owners. Cats constantly groom themselves, which involves rubbing their saliva into their fur. When they do this, they spread their dander and allergens around. Although you may try, there is really nothing that you can do about it. Cats have a natural instinct to groom or bathe themselves, no matter how many baths you give them, you simply won’t stop them from grooming.

Normally, when someone is taking an allergic reaction to cats, he or she will wheeze, cough, sneeze, itch, have watery eyes, or a difficult time in breathing. Different people react different ways to cat allergens, meaning that some symptoms may not occur at all. Fever and chills is very rare, although it can happen. If someone who has cat allergies comes down with fever and chills, you should contact a doctor immediately. Chances are, it isn’t an allergic reaction to cats, but instead another type of disease that a doctor will need to identify.

Cat allergies are normally treated with antihistamines and decongestants. Those that experience asthma attacks or other forms of allergies, normally take antihistamines. Decongestants on the other hand, are normally used to cure coughs and swollen nasal passages. Sometimes, doctors will recommend allergy shots as well. Allergy shots can help to prevent the attack, especially if someone is really allergic to cats. They are a good form of treatment and prevention, and they can also help to decrease the risk of allergies affecting the individual.

If you suspect that you have cat allergies, you should always make it a point to visit your doctor. He will be able to further diagnose your situation, and give you the best options available for treatment. If you do indeed suffer from cat allergies, the best way to stop the attacks is to get rid of your cat.

Getting rid of a cat can be a very tough thing to do. If you have become allergic to your cat’s fur, there may be no other way to prevent attacks than to get rid of him. Although doctors can give you medicine and shots, it will only do so much. Cat allergens are no fun, especially if you develop them years after owning your cat. Cats are great animals to own – although cat allergies are something we could all live without.

Family

Family Vacations and Holidays: Tips for Peace and Harmony

What do you like to do on family vacations and holidays? Go to the beach or spend a week in the country? Maybe you like camping or visiting relatives. Whatever you enjoy, family holidays are a chance for everyone in the family to get reacquainted and spend quality time together. It’s a chance for parents to really talk with their teens and find out what’s going on in their lives. It’s important to keep the communication lines open, and a family holiday is a good time to do that. Having a good relationship with their parents is one of the most important factors in keeping teens out of trouble.

Studies have shown that when families take holidays together, they are more likely to eat together and are less likely to argue. They do not watch as much television because they are involved in doing things together. Kids even report that their parents seem to act differently while on holiday.

While family holidays are a good time to connect with your kids, communication problems that are already there will not automatically disappear. Especially with teenagers it is important to listen and be flexible. Find out what the kids would like to do and eat and plan accordingly. While even teenagers need boundaries, it is important for parents to try to avoid needless confrontation. Explain why you make the decisions you do and show them positive attention.

Kids will appreciate being included in travel plans. There’s a good chance they will choose a theme park or the beach if those are among the options. Sometimes it works well for a teenager to take a special friend along on family vacations. While this might increase the parents’ load, the teen is likely to really appreciate it. Also, sometimes it works well for kids to go on holidays with their grandparents instead of their parents. Sometimes there is a special relationship here that can help kids open up and communicate about their concerns.

While on family vacations, if teens are uncooperative or behave improperly, try to deal with the problem in private. Teens are very aware of embarrassment and it is needlessly mean to exploit this sensitivity. In fact, you might explain to the kids how their behavior embarrasses you, and they in turn might work harder at getting along and acting appropriately.

Kids will be happier on family trips if they have snacks, drinks, and entertainment. Few kids enjoy a long ride in the car! Try to provide individual CD players or hand-held video games, and don’t forget to take plenty of bathroom stops. Sometimes kids enjoy the ride more if they can help you follow the map. This is an educational activity for them as well. By following these suggestions, your family holidays can make a happy memory.

Finances

An Overview of the Escrow Account

Whether buying or selling real estate, you will inevitably deal with an escrow account. If you are not familiar with an escrow account, here is an overview.

An Overview of the Escrow Account

A real estate transaction is a high dollar transaction. In fact, you will probably never make a bigger one in your life regardless of whether you are buying or selling. Given the high stakes and the fact that feelings can sometimes get ruffled on each side of the fence, the escrow account was created.

An escrow account is really a part of a larger beast known as escrow. To keep the real estate transaction running smoothly and organized, escrow is undertaken. A third party, known as the escrow agent, is retained to collect documents, money and such. Since people can be tense during transactions involving large sums of money, it is important to have a party involved that is not emotionally attached.

The escrow account is an industry term that can mean a few different things. In its strictest sense, the account is a trust account opened to hold monies deposited by the parties for appraisals, inspections and remedial work. It is also used to hold the money provided by the buyer for the purchase. This is true regardless of whether the money is submitted directly from the buyer or a mortgage lender.

In a larger sense, an escrow account refers to the total services provided by the escrow account. In addition to finances, the escrow agent will collect contracts, documentation set out in the purchase agreement and so on. In some sense, this makes the escrow agent the referee for the real estate transaction. That being said, an escrow agent does not call penalties, to wit, they will never determine that one party or the other is in the wrong. They will simply facilitate the requirements of the contract. If one party fails to comply with those requirements, the escrow will not close and lawyers typically get involved.

Escrow is standard operating procedure for nearly all real estate transactions. In the end, it is an effective way to get the transaction closed.

Beauty

7 Tips For Beautiful Skin

For most women, part of the morning and evening routines involve a skincare regimen of applying creams, moisturizers, tonics, lotions, and the like. Why do women put themselves through this? They do it primarily to combat the signs of aging, and to maintain youthful looks and beautiful skin! It is a safe bet, however, that most women haven’t put much thought into what is in the products that they are using.

Some women probably do not realize that what they are putting on their skin may actually be undermining what they are trying to prevent to begin with. In fact the average woman puts twelve products on her skin daily, most of which contain harmful chemical preservatives. Dr. Myron Wentz, founder and chairperson of USANA Health Sciences, has this to say about beauty in the company magazine’s June/July 2005 issue: “Some say that beauty is only skin deep. Nonsense! I believe that true beauty is a reflection of true health, and true health begins deep inside each and every cell in the body. But true health and true beauty have an outer component, which is why we require protection from environmental insults such as solar radiation, pollutants in our environment and the drying effects of air. . . The fact is you simply cannot contain a healthy body if your skin isn’t healthy. And your skin can’t be healthy if your are subjecting it to toxic substances that are ultimately absorbed into your body.”

So, what can women do? How can they combat environmental pollutants, the affect of solar radiation, and the drying effects of air? How can they be sure they are using the very best products on their skin so they can be healthy inside and out? Here are 7 tips to assist in this process:

1. Be very aware of what is in skincare products. Use products that are all natural as much as possible.

2. Look for products that contain Dermal Surface Renewal Technology. DSR smoothes away existing signs of aging such as laugh lines, crows feet, and dullness.

3. Use products that have regenisomes. Regenisomes penetrate the skin to speed cell renewal after sun exposure. They also use the light of photosomes to undo sun damage, and have ultrasomes to renew skin while sleeping.

4. Find products with Proteo-C and Proflavonol-T. These two vitamins protect the skin from premature aging caused by the sun, pollution, and other environmental factors. They also provide advanced nutrition to the skin to keep it appearing smooth and firm.

5. If possible, use products that are paraben free. Parabens are synthetic chemical preservatives that are widely used in personal care products such as shampoos, conditioners, hair styling products, make-up, facial masks, skin lotions and creams, and deodorants. They also are typically ingredients in baby lotions, shampoos, and other personal care products for infants and children. In addition, parabens are in many foods and pharmaceutical products. Researchers are beginning to find parabens in benign and malignant human breast tumors. While some studies have challenged their toxicity in many products and question their long term affect on humans, using products that are paraben free can eliminate the risk of exposure to this harmful chemical.

6. Drink plenty of water! Water hydrates skin and hair as well as flushes toxins out of the body.

7. Limit stress or learn to manage it effectively. Stress is harmful both emotionally and physically. Find that stress reliever activity that works best and use it on a daily basis!

Follow the above 7 tips to true beauty and health.

Health and Fitness

Exercise At Home Or In A Gym

Making the decision of where you will go to exercise is a very important step in reaching your goals of fitness. A lot of factors will go into this decision, and each one should be evaluated well before you start exercising. Once you have made a decision on where you will go to exercise, you can move on to deciding how you plan to work out.

As you probably know, exercising at home has many advantages. The finance department is one of the best advantages. With the gas prices being what they are today, it is quite obvious that you’ll save money on fuel as well as wear and tear on your vehicle by choosing to exercise at home.

Memberships to a gym can often be quite expensive and may include other things that you don’t need such as child care or swimming pools. You also
won’t need to be concerned about the latest trends of exercise gear as you most likely will be exercising by yourself at home.

Keep in mind that working out at home does require a bit of financial obligation. Even though you may plan to run, it is very important that you have high quality running shoes. This statement applies to any type of equipment that you may purchase to use at home. If you go out and buy cheap equipment, you’ll probably end up getting hurt or getting frustrated because you aren’t making any progress.

Along with the financial gains, exercising at home may also help those who don’t like to work out in public. If you are worried about how you look in gym clothes, it is very comforting to know that the only person who has to be with you when you exercise at home is you. Also, when you exercise at home, you don’t need to worry about time at all.

Those of you who are motivated by being with people you know or come to know while working out away from home, a gym may be a better idea than working out at home. At the gym, you’ll also more of a selection of equipment as well, far more than you’ll have at home.

If you need other services than just weights and equipment, the gym may have just what you need. If you plan to swim a triathlon, you’ll find the swimming pool at the gym to be just what you need to prepare yourself. Swimming is also a great exercise for your body and cardio, as it will work muscles in your body that you probably didn’t even know you had.

Gyms will also offer you classes that you may find very motivating. If you attend class on a regular basis, you may be motivated enough to continue so you don’t have to defend yourself when asked where you’ve been or what you have been doing. You can also meet new people in class, or just help others along if you choose.

All in all, making the choice of exercising at home or at the gym is a choice you should make based on your goals and personal preference. The most important decision you’ll need to make is to determine what type of environment you want to be in and how you want to accomplish the fitness goals in your life.

Once you have given it some thought and weighed out the pros and cons, you’ll have no problem making the choice. Always keep in mind that once you’ve made your choice, you can always switch if you aren’t happy with the choice you made.

Home and Garden

Why Feng Shui Gardens are Designed the Way they Are

The way people treat their environment and living spaces speaks very loudly on the attitudes and temperament of the people that are occupying it.

For this, there are two very obvious and distinct line of thought whether it is in the treatment of the space or just about anything else, the European design and the oriental way.

In designing gardens and the general landscape western thought will be inclined on a more utilitarian path. Lands has to be used, reshaped, maximized and in many cases result to artificiality. Hence, European designs will tend to control their environment by dominating it, conquering it; sanitizing it and making improvements on it that are more or less unnatural. Aesthetics is the main theme.

When it comes to gardens, the main practice would be to culture it and create displays of artificial beauty.

For the Orientals, often the opposite is done. What the oriental strives for is a more natural setting where intimacy and tranquil experience is paramount and restraint, not flamboyance is observed.

This attitude in the treatment of their surroundings extends also to the manner by which the east and the west conduct interrelationships. While the European way would prefer definitive answers like a yes or no or a black and white, Orientals would try to seek compromises.

Because of this, European gardens would tend to be a statement of achievement in all its manipulated grandeur while a Chinese garden would be more spiritual and more in the flow of the landscape, not seeking primarily to improve it as to breath the natural experiences from it.

This is why a European garden will have geometrical lines, straight lines and sharp angles cut into it while an oriental garden will have none of it. This is also why European designs changes from era to era according to vogue that is the trend of the present. Orientals on the other hand are content with designs that while they are sometimes enhanced, has also endured and as unchanging and as eternal according to what nature and spirituality intends it to be.

There is a basic reason for this.

The oriental gardens and by extension (and as adopted) the Feng shui gardens, take into consideration, a basic respect to experiences and humility towards the natural.

Neither too ideal nor too religious as to place these precepts above the now and the real life, as they know it, they have better ability to conform more naturally to their environment. While the west builds high walls around them and calls these as living spaces, the Orientals never feared the allure of the wild.

Instead of modifying the environment, the Orientals adopt their landscape elements in their Feng shui gardens such as the water, the plant, the structure and the slopes or mountains.

Feng shui gardens adopts the subtlety and contrasts of the yin and the yang to their gardens like variety and unity, scenery according to their subjective reactions, stillness and movement and generality and locality.

It doesn’t matter then whether one lives in an apartment or a condo unit or whether the garden has ample spaces to it. Applying the rules and principles of Feng shui will mean putting plants where they are most natural and will always result to a more natural feel by simulating a natural environment where there is healing and harmony.

Weight and Diet

Atkins Diet Basics

The Atkins diet is not a new phenomenon. The diet first appeared in the late 1970s and has grown popularity in recent years in response to the low-fat diet craze. As dieters had trouble with low-fat plans, they searched for a new solution and Dr. Atkins’ New Diet Revolution book found a new audience.

A lot of people have jumped on the Atkins bandwagon and there has been a lot of hype as a result. But what are the basic principles of the Atkins diet?

The Atkins diet is based on a theory of why we get fat. According to Dr. Atkins, the over-consumption of carbohydrates and simple sugars leads to weight gain. The way your body processes the carbohydrates you eat have more to do with your waistline than the amount of fat or calories that you consume. In his book, Atkins outlines a phenomenon called ‘insulin resistance’. He theorizes that many overweight people have cells that do not work correctly.

When you eat excess carbohydrates and sugar, your body notices that sugar levels are elevated. Insulin is released from the pancreas in order to store sugar as glycogen in the liver and muscle cells for extra energy later on. However, your body can only store so much glycogen at once. As soon as your body reaches its limit for glycogen storage, the excess carbohydrates are stored as fat. This happens to everyone who eats too many carbohydrates.

However, insulin resistant individuals have an even harder time of using and storing excess carbohydrates. The more insulin that your body is exposed to, the more resistant it becomes. Overtime, the pancreas releases more insulin and cells become insulin resistant. The cells are trying to protect themselves from the toxic effects of high insulin. They create less glycogen and more fat.

As a result, insulin resistant individuals gain extra weight. The carbohydrates get converted into fat instead of energy. Other side effects include fatigue, brain ‘fog’ (the inability to focus, poor memory, loss of creativity), low blood sugar (which can leads to hypoglycemia), intestinal bloating, sleepiness, depression and increased blood sugar. There is much more than weight at stake when you are insulin resistant.

The remedy for people who are insulin resistant is a diet restricted in carbohydrates. The crux of the Atkins diet is a limitation of carbohydrates in all of its forms. The foods restricted on the Atkins plan include simple sugars (like cookies, sodas and sweets) and complex carbohydrates (like bread, rice and grains). Even carbohydrates that are considered healthy, such as oatmeal, brown rice and whole wheat bread, are restricted on the program.

The diet has you restrict your carbohydrate intake to less than 40 grams a day. This will put your body in a state of ketosis. While in ketosis, your body will burn fat as fuel. According to Dr. Atkins’ research, the ketosis state will also affect insulin production and it will prevent more fat from being formed. Your body will begin using your stored fat as an efficient form of fuel, and you’ll lose weight.

Another benefit of the Atkins plan is that ketosis will end your cravings for carbohydrates. If you’ve been living on a carb-heavy diet, you may have found that you simply cannot get enough carbohydrates. With carbohydrate restriction and ketosis comes a reduction in carbohydrate cravings. People who have been on the Atkins diet for some time report that they do not crave carbohydrates as they once did.

Although the initial phases of the Atkins diet are rather strict, the program teaches you to restore balance to your diet in the long run. People who use the diet slowly reintroduce minimal amounts of carbohydrate into their eating until they find a comfortable balance between their health and carbohydrate use.

The basic principles of the Atkins diet have been adapted to many other low-carb diet plans. However, Atkins popularity still remains strong as one of the most effective low-carbohydrate solutions for those who are insulin resistant.

Computers

Online Data Backups

Backing up and protecting data should be something that every business or individual strives to do. Data is very important, especially for businesses or individuals who make a living using their computers. If you have never looked into backing up your files or haven’t backed them up before, you should really look into it before it is too late.

Among the many ways to back up your files are online data backups. Online backups are great for businesses, as they will protect your data. You can think of this method as being a server and a host, as the company stores your information over the Internet. You can log in at anytime, and access your data. If your hard drive crashes, you can easily access the information you need without having to wait until your data is recovered by a specialist.

Although online data backups are great, they do have some concerns with security. Although the server is indeed encrypted, it isn’t completely safe. Hackers can get into the system if they are good enough, although it is very rare. Online back up companies make their living protecting data, which is why they are so very popular. They know what they are doing, and they can keep your data safe.

The best thing about online data backups is the fact that the information isn’t stored at your office. It doesn’t require the amount of space that CD or DVD media back up uses, nor do you have to protect it from employees who aren’t authorized to access it. The company that you select does all of the work for you, and they protect the data from prying eyes. You upload the data to their servers, then you and whomever you give the login data to are the only ones who can access it.

Before you make a final decision on whom to use for your online data backup services, you should choose one that is fully secure, has great lockout policies, and human security around their facility as well. The better companies will offer state of the art security, with no fear of anything coming in contact with your data. Even though they can tend be expensive, the last thing you want is to pay money for a service that doesn’t fully protect your information.

If you do your research and think about what each company has to offer you, you can plan accordingly. You should always look into the track record and past history of the company as well, to find out just how well they protect data. Your data and information is your life, so you’ll obviously want to choose and online back up company who takes a lot of pride in their performance – and will protect your data no matter what.