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Thursday, January 30, 2014

5 Free Romantic Gifts For Your Wife or Girlfriend

Maybe you’ve done something wrong and need to win back a few brownie points. Maybe there’s an upcoming anniversary or other special occasion. Or maybe you just want to surprise that special lady in your life with a romantic present.
Any way you cut it, women love getting gifts… and, as the saying goes, sometimes the best things in life are free.
So, here are five creative gift ideas that your girlfriend or wife will absolutely love… and the best part is that all five of them won’t cost you a penny.
Breakfast in bed. C’mon gentlemen, it doesn’t get any easier than this!  Surprise your wife or girlfriend by making a delicious breakfast before she wakes up and then deliver it to her in bed.  My personal recommendation is French Toast, Bacon, juice, and coffee… but you should make whatever your better half likes best! Leave a hidden love note.  Write out a brief but meaningful love note or love poem, fold it up, and leave it somewhere that your girlfriend will discover it at a later time.  You could put the note under her pillow, in her lunch box, or under the windshield wiper of her car. A coupon book.  Make a home-made “coupon book” with 3-5 different “coupons” that your girlfriend or wife can redeem at a later date.  What type of “coupons” should you include?  How about “one night of babysitting” so she can go out with her friends?  Or maybe a 20-minute massage in bed… she’ll definitely appreciate that.  Or a car wash.  Breakfast in bed.  There’s tons of options, so think up a few ideas and offer them up in a romantic coupon book! A photo collage.  Collect a dozen different photos of you and your significant other, print them off on your home printer, and glue them together to make a romantic photo collage of the two of you together.  Without saying anything, stick the photo collage on her refrigerator or bathroom mirror. A surprise picnic.  Tell your wife or girlfriend that you’ve got a surprise for her one day after work, and whisk her off to a scenic picnic spot.  This obviously works best in the summer, and you’ll need to prepare a picnic basket in advance, but I can almost guarantee she’ll absolutely love it! 

Monday, January 27, 2014

Five Skills that Predict Success in Marriage Relationships

Thanks to advances in research methodology and neuroscience, relationships are now a science. The science of love relationships has identified several specific behavior patterns of partners that succeed in creating healthy, mutually enriching couple relationships. Partners who think and act in certain ways nearly guarantee themselves love relationships in which they feel fulfilled, loved and appreciated.
First, the good news is both you and your partner are wired for love, your body’s health depends on it.
Second, you are wired to release a certain love hormone, Oxytocin, the chemical known as the “cuddle hormone,”  in response to certain behaviors.
Feeling loved and secure has everything to do with knowing how to create an Oxytocin response that makes you and your partner feel loved and secure.
What about couples that don’t currently have Oxytocin response patterns in place?
“No, problem,” says neuroscience. Because of the brain’s neural “plasticity,” a lifelong ability to grow and develop new neural circuitry, partners can learn to rewire their own and their partner’s love patterns, even late in life.
In perhaps one of the most thorough books this decade on the subject of healing marriage relationships, Emotional Intelligence in Couples Therapy, Dr. Brent J. Atkinson presents a tour of some of the most revolutionary findings from neuroscience and the science of intimate relationships, such as the work of Dr. Antonio Damasio on emotion and behavior, and the groundbreaking work of Dr. John Gottman on “Why Marriages Succeed or Fail.”
According to Dr. Atkinson, there are five “prerequisite” groups of skills that predict relationship success. Each group involves a set of skills. The five skill sets are as follows:
1. Partners use a ‘soft start-up’ to bring up an issue.
A ‘soft startup’ refers to how partners communicate, verbally and nonverbally, when they bring up issues, share a frustration, or express dissatisfaction. In contrast to a ‘harsh’ startup, a ‘soft’ startup is an approach that is firm yet tactful and gentle, and avoids attacking the other’s character.
A soft-startup allows partners to express any dislikes or upsets without defensive strategies that blame or attack the other’s character or the relationship, and that are more likely to trigger both partners’ survival strategies. Partners do not sugarcoat or beat around the bush, but they also do not talk down, or make condescending or judgmental comments.
Examples of a ‘soft’ and ‘harsh” startup are:
Soft startup: “I’m really upset that you forget our anniversary.”
Harsh startup: “How can you be so insensitive to not even get me a card?”
2. Partners are open to their partner’s influence.
In addition to delivering complaints tactfully, successful partners have the ability to respond to their partner’s requests, criticism or upsets without getting defensive. A top predictor of marital success, according to Dr. Gottman’s research, is the husband’s willingness to accept influence. Culturally speaking, male partners are less willing than female partners to accept influence of the other. Still today, many men are raised to not accept influence of their partners, as proof of “masculinity.”
The facts speak for themselves, however. Remarkably, findings show a husband’s willingness to accept influence alone predicts marital success 80% of the time.
3. Partners know how to make “repairs” after an upset.
Even after a “failed” argument, however, where partners defensiveness and reactivity were triggered, successful partners know how to make effective repairs by offering assurance. This refocuses partners’ emotional and mental energies, and restores belief in one another and their relationship. In effect, assurance works much like a refresh button on the computer. To relationships it offers a refreshing, and often critical, infusion of hope. An example of a statement that makes an effective repair is:
“We got worked up on this, and I said things I didn’t mean. I’m sorry. I’d like to start over fresh. I know we can do better. And I’m willing to work harder on this. Would you be willing to work together?”
4. Partners honor one another’s dreams and aspirations.
Successful partners are genuinely supportive of one another’s dreams and aspirations.  Human beings are wired with inner emotional drives to matter, to feel valued in relation to the other. Along with these drives, partners also enter their relationships with conflicting expectations for how these inner strivings “should” be met. This conflict is natural, even healthy. It’s all about “how” partners attempt to restore their sense of safety and love. When resolved in healthy ways, conflict is nature’s plan to help strengthen intimacy, an opportunity to better understand themselves and the other. When partners resist one another’s requests for change, it is often because they either do not feel recognized as an individual, or they feel their partner is not fully committed to the relationship. A partner who is repeatedly late or forgets anniversaries, for example,, may be indirectly expressing anger for issues that are avoided or left unresolved.
Successful partners feel valued and are not dependent on the other to make them feel valued. Their shared vision and personal goals helps them look beneath the circumstances, identify the unfulfilled expectations, and move past challenging situations more quickly and easily.
5. Partners observe a 5 to 1 ratio of positivity.
Last but not least, another key to lasting couple relationships has to do with what happens in the span of time between conflict and upsets. Interestingly, research shows that, while successful partners also have conflicts, they make time for something that distressed partners do not. They regularly interact in positive ways; for example, they express their appreciation, plan fun outings together, share affection, flirt, and so on. Research by Dr. Gottman has identified a formula. According to his findings, successful partners seem to adhere to a ratio of five to one positive to negative interactions.
In sum, studies suggest that partners have more influence in how their partners treat them that they think. As with work environments, attitude is everything in relationship building. The attitude that predicts failure is a quid pro quo attitude that proclaims, “I’ll change my behaviors if he or she changes theirs.”  In contrast, the attitude that predicts success declares, “I think and act like a partner who treats my self and partner with dignity, regardless the situation — during and between conflict!” In other words, partners who succeed do not approach their relationship as a competition. Instead, they not only treat their partner with the thoughtfulness they desire in return – they also think and act like persons who feel confident enough to deal with issues. In other words, the ability to not take things personally.
Individuals who want their partner to treat them better are willing to get out of their comfort zones and try new behaviors.
Practicing certain behaviors or thinking patterns, albeit new and uncomfortable, works. The effort creates new neurons and other neurons to “fire and wire” together in “new” ways, and when they do repeatedly, the new patterns are strengthen and reinforce new electrochemical pathways. And, when partners let go of old limiting patterns, their brains eliminate or “prune” the problem-causing neural pathways. That’s more good news.
Whether it’s with soft startups, allowing influence, offering assurance, honoring one another’s dreams or maintaining a 5-to-1 ratio of positivity, you and your partner can discover how to consistently respond in ways that release Oxytocin response, and the result?
You are more likely to amp up your sense of love, security and closeness with one another by the natural release of this love and safety chemical. That’s the best news.

Wednesday, August 7, 2013

How To Avoid Heart Attack With Little Care

HEART ATTACKS & HOT WATER

Photo: HEART ATTACKS & HOT WATER:

MUST SHARE THIS INFO...............

A very good article which takes two minutes to read. Heart Attacks And Drinking Warm Water

This is a very good article. Not only about the warm water after your meal, but about Heart Attacks. The Chinese and Japanese drink hot tea with their meals, not cold water, maybe it is time we adopt their drinking habit while eating.

For those who like to drink cold water, this article is applicable to you. It is nice to have a cup of cold drink after a meal. However, the cold water will solidify the oily stuff that you have just consumed. It will slow down the digestion. Once this 'sludge' reacts with the acid, it will break down and be absorbed by the intestine faster than the solid food. It will line the intestine. Very soon, this will turn into fats and lead to cancer. It is best to drink hot soup or warm water after a meal.

Common Symptoms Of Heart Attack...

A serious note about heart attacks - You! should know that not every heart attack symptom is going to be the left arm hurting . Be aware of intense pain in the jaw line.
You may never have the first chest pain during the course of a heart attack. Nausea and intense sweating are also common symptoms. 60% of people who have a heart attack while they are asleep do not wake up. Pain in the jaw can wake you from a sound sleep. Let's be careful and be aware. The more we know, the better chance we could survive..

A cardiologist says if everyone who reads this post shares it to 10 people, you can be sure that we'll save at least one life. Read this & Send to a friend. It could save a life... So, please be a true friend and share this article to all your friends you care about..
It will take only  two minutes to read and very Beneficial for you. Heart Attacks And Drinking Warm Water

This is a very good article. Not only about the warm water after your meal, but about Heart Attacks. The Chinese and Japanese drink hot tea with their meals, not cold water, maybe it is time we adopt their drinking habit while eating.

For those who like to drink cold water, this article is applicable to you. It is nice to have a cup of cold drink after a meal. However, the cold water will solidify the oily stuff that you have just consumed. It will slow down the digestion. Once this 'sludge' reacts with the acid, it will break down and be absorbed by the intestine faster than the solid food. It will line the intestine. Very soon, this will turn into fats and lead to cancer. It is best to drink hot soup or warm water after a meal.

Common Symptoms Of Heart Attack...

A serious note about heart attacks - You! should know that not every heart attack symptom is going to be the left arm hurting . Be aware of intense pain in the jaw line.
You may never have the first chest pain during the course of a heart attack. Nausea and intense sweating are also common symptoms. 60% of people who have a heart attack while they are asleep do not wake up. Pain in the jaw can wake you from a sound sleep. Let's be careful and be aware. The more we know, the better chance we could survive..

Tuesday, August 6, 2013

Auto Insurance

Why Auto Insurance Is Essential for Motorists
Concept of insurance is to provide help to policyholders when they need the most. To qualify for this help motorists should pay regular premium payments like a membership. As you cannot use any club facilities without being member you cannot make a claim if you do not have a policy that covers the damages. You need to buy the policy before anything happens. There is no way of knowing when you would have a serious accident or your auto would be stolen. Therefore, you need to buy the policy as soon as you buy the car.
Besides, it is a legal requirement to buy minimum liabilities policies to cover the damages you cause to other people. Usually this coverage is very limited and does not cover your own losses (except in no fault states where everyone insures their own losses). Most vehicle owners purchase comprehensive packages that at least include Liabilities, Collision, Comprehensive and Uninsured Drivers coverage.
Problems with Losing the Use of Cars
Most people in the World are highly dependent on their cars. Without it they cannot go to work, grocery store or drop their children to school or it becomes very difficult. So, it is not smart risking losing it at all. This could happen in two different ways when you do not have car insurance cover.
First of all, you run the risk of not being able to get your automobile repaired or buy a replacement following a sizeable damages or total loss. Not many people have money laying around to be used for a new auto purchase. Also, people would need to first pay the outstanding car loan before they can apply for another one.
So, it is generally necessary to buy Gap Insurance as well when you have a loan on the vehicle or you leased it. This addition pays for the shortfall between what an auto insurer would pay and the outstanding loan. This offers extra peace of mind that the loan would be settled as well if you were to lose the car to theft or accident.
Secondly, you are likely to lose your driving licence should you get caught driving without insurance. In this case, your problems and costs become a bit more serious. The record of license suspension will stay for every insurer to see for at least five years. This will result in expensive car insurance rates in such period until it is removed or become irrelevant any more. The cost of defending yourself in the courts will be pretty high as well as the fines.
Being unable to drive for whichever reason will put most people in serious trouble. The most noticeable one is the difficulty to get to work. The last thing you want in such circumstances is losing your job as well. Plus you will be socially awkward as it will be harder to swing around your friends or your favorite places. Explaining what happened will not be fun either.
 
Small Premium Payments or Large Out of Pocket Accident Costs?
When you consider all the likelihoods paying premium payments may not seem that bad after all. Even though you might struggle a bit you may be able to pay the premiums little by little. Most companies allow policyholders to spread the costs. If you are finding it hard to pay monthly premiums how are you going to find the money to pay for repairs or a new car? Also, how would you be able to face the liability claims against you if you cause an accident?

Thursday, August 1, 2013

Online Shopping

Using the internet to purchase goods or services saves considerable time and effort – and also presents you with the widest choice. There are, however, risks associated with online shopping and you need to take care with what you are buying, from whom, and how you pay for your purchases.

The Risks

  • Fraud resulting from making payments over unsecured web pages.
  • Bogus online stores/shops – fake websites and email offers for goods and services that do not exist. 
  • Receiving goods or services which do not match the advertiser’s description.
  • Being offered tailored prices based on information gathered by the retailer about your online shopping habits and websites visited.  

Safe Shopping


  • Ensure that any online retailer unfamiliar to you is reputable by researching them. Establish a physical address and telephone contact details. Remember that the best way to find a reputable retailer is via recommendation from a trusted source.
  • Remember that paying by credit card offers greater protection than with other methods in terms of fraud, guarantees and non-delivery.
  • Double check all details of your purchase before confirming payment.
  • Do not reply to unsolicited emails from companies you don’t recognise. 
  • Before entering payment card details on a website, ensure that the link is secure, in three ways:
    • There should be a padlock symbol in the browser window frame, which appears when you attempt to log in or register. Be sure that the padlock is not on the page itself ... this will probably indicate a fraudulent site.
    • The web address should begin with ‘https://’. The ‘s’ stands for ‘secure’.
    • If using the latest version of your browser, the address bar or the name of the site owner will turn green. 
  • Some websites will redirect you to a third-party payment service (such as WorldPay). Ensure that these sites are secure before you make your payment.
  • Safeguard and remember the password you have chosen for the extra verification services used on some websites, such as Verified by Visa. 
  • When making a payment to an individual, never transfer the money directly into their bank account but use a secure payment site such as PayPal, where money is transferred between two electronic accounts. 
  • Check sellers’ privacy policy and returns policy.
  • Always log out of sites into which you have logged in or registered details. Simply closing your browser is not enough to ensure privacy.
  • Keep receipts.  
  • Check credit card and bank statements carefully after shopping to ensure that the correct amount has been debited, and also that no fraud has taken place as a result of the transaction. 
  • Ensure you have effective and updated antivirus/antispyware software and firewall running before you go online. 
  • Where possible, check that the price listed by the retailer on your browser is the same as that quoted on other people's browswers, to ensure you are not being monitored and overcharged. 

The Advantages and Disadvantages of Online Shopping

Here are some of the advantages of online shopping:

Parents of small children may find online shopping appealing. The kids can feel free to run around the house and create havoc without the worry of annoying fellow customers. Even if your children are well behaved it can still be time consuming getting everyone ready to go to the store. Keeping children out of the store, and even your spouse, in some cases may prove to be money saving as well. You won't have everyone begging you to buy extra grocery items not on your list.
Online shopping can sometimes fetch you a great buy. Some stores will advertise specials which can only be obtained by shopping online. For more expensive items like electronics you can typically expect to find online discounts of $50 or more compared to the price in store. Sometimes you may be able to find coupon codes which can be used at an online store to get a percent off the total amount of purchase.
You can shop online on your own time. Most stores are not open 24 hours a day/7 days a week, meaning that if you want to shop in their stores, you will have to shop within a limited time frame. However if you decide to skip the visit to the store and shop online you can shop any time of day that you wish.
Another benefit of online shopping applies to gifts for people out of state. You can buy gifts online and have them shipped straight to the recipient. By doing this you save the headache of having to wrap, pack, and ship the gifts out yourself. In some cases, stores will wrap the gift for you as well as include a special message. Sometimes stores will advertise free shipping offers which would make buying gifts online for out of state families and friends even more beneficial. Taking advantage of these offers means that you won't have to pay to have the item shipped. By avoiding shipping the item yourself, and taking advantage of free shipping offers, you can save money on the purchase of packing supplies.
Shopping online makes it easier to find unique and one of a kind gifts that you will not find in your local department stores. There are many online store websites dedicated to that special item you are looking for. Websites such as Ebay allow you to bid for or purchase products that are hard to find. Sites like Ebay can also help you to find great deals. Ebay users can bid on items of interest or use the buy it now option. By bidding on items on sites like Ebay you may be able to purchase your desired item at a discounted price. Some sellers on Ebay will even combine shipping or offer free shipping of your products, saving you even more.
You may be able to purchase items online that are not available or are sold out in stores. If a product you want is not stocked on the store shelves, there is a chance that you will be able to purchase it online.
Now that you know of the many benefits of online shopping, we will discuss the disadvantages of online shopping:
Buying groceries online may save you time, but it can prove costly. By shopping online you can miss out on great deals that can be obtained with coupons. Grocery stores that allow you to order online will typically charge you a pick up or delivery fee for shopping online as well. You may also find that you have to spend a minimum amount of money in order to have your groceries delivered. One online grocery store that I know of will not deliver unless you order at $150 worth of groceries. Another disadvantage of online grocery shopping is that you will be unable to pick out the produce or meat products yourself, which can lead to disappointment.
Shopping online can also add on extra cost to your product by having to pay for shipping. If you are buying a product for yourself or as a gift to local friends and family, it may prove to be wiser to make the purchase in store instead to avoid extra cost.
When shopping online you have to wait to receive your products, whereas shopping in store means you can get your product right away. If the product is an item you are dying to have and cannot be found online for a significantly cheaper price, then you may want to make your purchase in store instead.
You won't be able to compare products in person. Sure many online store websites have a feature which allows customer to rate products which may prove to be helpful. However what works for one person doesn't necessarily work for another. Some people who fill out online reviews for products can be deceitful as well to trick customers into purchasing or not purchasing a product. When it comes to comparing products, such as cameras and televisions, it's always best to make comparisons in the store. If the store is running a good deal then you can make your purchase in store since you are already there.
Returning or exchanging items bought online can be more difficult than making a return or exchange of products you've purchased in a store. Some stores will allow you to make returns and exchanges of products you've bought online through their website, though others may not. Stores that only do business online will require you to repack and ship the item back to them to receive a refund or exchange. Some online stores may not reimburse you the cost of shipping meaning you will have to spend money out of your own pocket just to make the return. Always read the return policies of the online store's website to know what to expect.
When shopping online for a product you should do a price comparison between several online stores to find the best deal. Always make sure to print out a copy of your receipt and/or write down the confirmation number for your purchase. You can also keep a copy of your e-mail receipt for a quick reference. Always read an online store's shipping and return policies to better understand how they work. Search online for codes which can save you money on shipping, fetch you free gifts with purchase, or can discount the price of a product. Always be careful when sharing your credit card information online. Secure websites should display a lock symbol at the bottom of the page. Do any research that you can for online stores that are not well known. Shopping online can either cost you extra money or save you money. Make sure to do your homework when considering shopping online to find the best deals.