Lawsuits, Complaints Claim Debt Collectors Going To Far

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By Jonathan Summers

There's increasing evidence in the form of lawsuits and complaints that some debt collection companies are using abusive and illegal tactics in an effort to debtors to pay up. Attorney Steve Halbert handles 30-50 cases at one time, representing clients who say they're being harassed and even bullied by debt collection companies.

Halbert says, at a time when many can't afford to pay the hundreds or thousands of dollars they owe in one lump sum, collectors are becoming less and less willing to work out a payment plan."Now the collectors are saying we can't do that," said Halbert. "We're only going to have this account for a short time. We need a lot of money and we need it up front, and we need it fast."

Indiana Deputy Attorney General David Paetzmann say his office receives at least a dozen calls each week from people complaining about abusive debt collectors. The number of calls is up more than 20 percent from just four years ago."We do keep track of the names of the collection agencies against whom we receive complaints, and there are some that we receive more complaints against than others," said Paetzmann.

One of those companies is Premiere Credit of North America. It's named in two of the six lawsuits obtained by Fox 59 News.A spokesperson for Premiere Credit says the company has "strict policies, training and monitoring against threats and harassments."Paetzmann suggests consumers familiarize themselves with the Fair Debt Collection Practices Act and the legal limits it places on debt collectors.

"The collection agency is only supposed to contact people between eight o'clock in the morning and nine o'clock at night so people should be aware of those limitations," said Paetzmann.

The act also prohibits debt collectors from deceitfully claiming they can arrest you or snag your property, talking about your debt with anyone else, and trying to collect any fee in addition to the amount owed.

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A Look at Liposuction on Love Handles

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By Victoria Rowde

The abdomen is one of the common body parts subjected to liposuction. This usually involves a person's upper and lower abdomen as well as a person's love handles. Love handles are referred to the fat deposits that sits on the sides of one's hips.

Men are more likely to have love handles but an increasing number of women with love handles are now reported. This can destroy the figure of a male's torso, while it also destroys that waist appearance as well as the curved profile of the hips. Even with men or women with great bodies, love handles may hinder one from wearing fashionable bare tops, midriffs, body hugging clothes, among others. One may opt to undergo liposuction on love handles when necessary.

In order to prevent love handles, proper exercise and a healthy diet is required. Fluid retention due to having diets which are rich is fluids and water is possible. One must exercise regularly using difficult twists which are performed regularly. If one doesn't have the time to exercise the love handles, liposuction on the love handles is a very good option.

Love handles liposuction must be your last resort if ever you want to lose those flabs. This is recommended for people who are near their projected weight and they want to remove the excess fats.

For your love handles to become good candidate for liposuction, rigorous and regular exercise on this area will be required. Aside from that, solid mental as well as physical health is needed in order for one to cope with the operation. Some people may not be able to handle it because they are not accustomed to a lot of responsibility.

Love handles liposuction is just the same as other forms of liposuction. It simply involves the insertion of a cannula where the fats are suction. Local anesthesia instead of general anesthesia is used for the surgery. The tumescent method of liposuction on love handles has been used by most practitioners today. It involves a person injected with a certain solution that numbs the skin, swell the fat and prevent the excessive bleeding on the skin. This is quite safer than ordinary traditional, because it allows for easier and faster suctioning.

Fluid from the area is usually drained after 3 days. Swelling and bruising may last for a few weeks to several months. When one is performing tumescent liposuction, the swelling is only an anticipated outcome of the surgery which one should keep for a few weeks. Patients are advised in perform light tasks while under the cleanliness part.

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Michigan Law and Dog Attacks

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By Sam Bernstein

The Dog Bite Law in Michigan is considered a "strict liability" statute. That is to say, the law makes a dog owner responsible for any damage caused by his or her dog in an attack. The Michigan Dog Bite Statute, MCL 287.351, states:

"If a dog bites a person, without provocation while the person is on public property, or lawfully on private property, including the property of the owner of the dog, the owner of the dog shall be liable for any damages suffered by the person bitten, regardless of the former viciousness of the dog or the owner's knowledge of such viciousness."

This means to prove a Michigan dog bite claim one must first prove that the defendant's ownership of the attacking dog and that the dog caused injury. Licensing and vaccination records can be used to identify the dog owner, as well as witness testimony.

That the injury actually took place can be demonstrated the fact that the dog actually injured by medical records, witness statements, or any other evidence of the bite.The Michigan Dog Bite Law allows you to take legal action against a dog owner for up to 3 years from the date of the incident. However, it is not wise to delay. If you wait, important evidence may disappear or witnesses may forget or move away. Thus, you should seek immediate legal help, if you or a loved one was the victim of a dog bite in Michigan.

There are some cases in which time limitations are not as strigent. The most common instance is a dog attack injury to a child under the age of 18. As a legal minor, a child bitten by a dog may have until his or her 19th birthday to start formal legal proceedings. At any rate, as is true for adults, waiting is not in the minor's best interest; it vitiates the evidentiary strength of the case.

The determination of Michigan dog bite claim values is a complicated affair. This underscores the urgency for seeking legal help at the earliest time possible. A qualified attorney with experience with dog bite cases can carefully evaluate the facts of your case -- the physical and emotional harm you suffered, as well as the possibility of long-lasting damage -- and advise you on the potential value of your dog attack claim and the best way to proceed.

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Free Public Death Obituary Searches Online

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By Josh Smith

Death Records is one of the key public vital records. It is available free of charge. They are also provided commercially by private information brokers. Being public records, they are accessible by any member of the public. In other words, anyone can conduct a public death record search on anybody. There are variations in restriction and rules governing the retrieval and use of public death records from state to state but by on large, they are quite freely available.

The most reliable and straightforward source of free public Obituary Searches records is the government agencies. They are provided as a public service and we can be sure there are no underlying schemes and agendas which are common with other free sources. Some of the other free private sources are okay but most smack of disguised lures and enticement. Worse still, many are infested with viruses or even identity thieves.

Assembling public Obituaries Search from free sources can be quite a challenge. The best starting point is the government office itself if you know where the exact place where the death was reported. If not, the date or approximate time period can also prove helpful. Otherwise, you can start out with a wide search and zoom in step by step but this is only viable electronically in all practicality. But the most fundamental requirement to retrieve free public death records is time, patience and will.

Public Death Records can provide a lot of information. At a basic level, they contain the personal particulars of the deceased and some degree of his family members. The age, time, date, place, funeral and burial information are also listed. If theres an obituary, it would likely be published also. The Death Certificate, records from other categories like Birth and Marriage may also be included. Aside from private and individual purposes, public death records are also widely used in Genealogy, Family Tree and other historical studies.

Free Death Records records are nothing new. They have become so much more prominent recently because of the internet. Hundreds of websites are found on all major search engines offering them. While its generally not a favorite pastime, there are situations when people are compelled to engage public death records.

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All About Online Programs

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By Susan South

Forensic psychology is a mix of many different fields all put together to work cohesively. It deals with converting psychological issues into ones which can be presented in a court of law. So if you're someone who's interested in learning the different branches of psychology, criminal justice, as well as the judicial system, then you should consider getting an online forensic psychology degree.

The things discussed in forensic psychology include the workings of the American justice system, proper decorum and procedures in a courtroom, while combining these with the regular psychology topics, such as dealing with other people effectively.

As a pre-law course, taking up forensic psychology online opens many new doors for you, whether you pursue a career as a lawyer, or one as a counselor or psychiatrist in a school. But what makes studying online a lot better and more beneficial than going to a regular school?

When you study online, your classroom is anywhere you want it to be. If you're the type who likes working while sprawled out across the bed, or while sipping an ice-cold Coke, then you can do just that. All you need is a computer with Internet access and you can literally work anywhere.

Getting a degree from a distanced university also means you can work whenever you feel like it. If you hate waking up early just to go to school, you can get up at 9AM, switch on your laptop, and start studying. If you're an evening person, then why not study at 10PM when your mind's at its best?

In high school, many teachers tend to go either very fast or very slow. It's either you can't keep up, or you can't wait for everyone to keep up. Studying online means you get to choose how fast you learn, because everything depends on how you want it.

The most important thing to consider when getting an online education is the education itself. Online education is of the highest standard and is tailor-made to suit you. You're given the freedom to choose what kinds of resources you would like, whether you prefer something to watch, listen to, or read.

Step up and help make America a better place, by helping to free the innocent and punish the guilty. When you get an online forensic psychology degree, all these things are within arm's reach.

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The Truth About Plastic Surgery Gone Wrong

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By Trina Rowde

Plastic surgery information are sometimes contradicting and inaccurate. Some people would claim that plastic surgery is safe while some have stories to tell regarding real plastic surgery gone wrong. Is the idea of plastic surgery gone wrong really fact or fiction?

Plastic Surgery

Some people really have to undergo reconstructive surgery to save their lives and bodily functions. Even such a critical procedure however requires patient consent. Since cosmetic surgery is not a matter of life and death, it is generally more elective than reconstructive surgery and has been the subject of a lot of plastic surgery gone wrong sites. Perhaps more and more people are wondering why others volunteer to put their bodies in danger.

Practitioners of plastic surgery would, of course, tell you that modern plastic surgery has perfected the procedure. Numerous capable practitioners really do great jobs that generally satisfy patients. It is still a fact however that plastic surgery gone wrong pictures still circulate online. It is also a fact that there are actually law firms that specialize in bad plastic surgery. What does this tell you? If some lawyers see this as a lucrative area to set their sights on then plastic surgery gone wrong is still very much a reality. The figures say too that one in four people have had some bad surgical reaction or experience.

What Can Go Wrong

Let's give plastic surgery supporters the benefit of the doubt. Granting that plastic surgery gone wrong episodes are rare and isolated, you would still be most unfortunate if you became the rare recipient of incorrect procedures.

It cannot be denied that possible risks are damaging to the individual. In minor cases you may just have to bear prolonged bruising or swelling. More serious problems however can also happen which may just include some of the following:

- Leakage or hardening of implants - Reactions to medicine or anesthesia - Slippage of implants - Drooping, disproportionate or asymmetrical breasts - Extensive scarring and possibly disfigurement - Too much skin removed - Death - Nerve, tissue, muscle or organ damage

What Happens After

Higher medical bills and more work absences are just some of the consequences of surgery gone wrong. You might also have to run after the doctor responsible for your plastic surgery gone wrong episode and the legal battle could be inconvenient, costly and long. The worst thing that could happen is that you might end up looking worse than before the surgery and your new look could be permanent. Although the physical pain may eventually diminish, the emotional pain can drag on for a long time.

What You Can Do

Try natural methods before going into plastic surgery. Try the natural way of trying to get a better appearance and resort only to surgery if all else fails.

You should also always look for a doctor who is not only an expert but is board certified as well. A certification is the best way to ensure that your doctor has had the necessary number of years of training in plastic surgery and has passed the required exams.

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How Can I Get My Ex Back The Proper Way

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By Bailey Aldrich

Are you asking, can I get my ex back, after losing your boyfriend? Just because you lost your partner, it might not be over. It does not mean that you have lost him forever. In other words, the answer to "can I get my ex back" is yes, yes you can. But the thing that actually matters before you begin to worry about it is resolving whether you actually have any chance. These are some tips for telling whether or not the answer to "can I get my ex back?" is yes. Even if your ex has moved on, and has no clear interest in you, you can still stand a chance.

The first thing you need to do is to convince him that you are still necessary to him. If you are asking "can I get my ex back", then you obviously don't need to lose him forever. He also wishes to see that he doesn't need to lose you forever too. This is the best way to see if you have any chance or not. It may seem difficult to show him this, but it is not really that tough if you know what measures to take.

If your concern is to get your ex back, then you should consider trying to be a good chum to your ex boyfriend first and most important. Show him that you care about and understand his feelings. Show him that you may be in his presence, without starting drama. Joke about the situation and be light hearted to show him that there are no hard feelings. Friendships are healthy and happy relationships. If you are asking can I get my ex back, then you are going to want to create a positive healthy friendship first, and see what develops or re-develops in time.

Another consideration to make when asking yourself can I get my ex back, is that communication is absolutely vital. You would like to ensure that you are friendly and kind, and that you communicate well with him. Do not let him think that he can get you back all at once, though, because a little bit of playing tough to get is a good way to go. Though you are asking yourself, can I get my ex back, that doesn't mean you have to play as if you are desperate.

Whatever systems you choose to pursue when addressing the question of "can I get my ex back?", it is truly critical that you don't act or look desperate. You must be ready to be able to show your ex that you are okay with everything which has transpired, and that you are capable of moving on if need be. Of course, the main thing is to be friends now, and to keep waiting and see what develops over time. Don't be afraid to have a new romantic life from your ex, showing him that you're just fine with the breakup - As this may draw him back to you faster than you thought possible.

So the solution to can I get my ex back is yes, you most likely can as long as you know what steps to take.

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OCD Treatment - Overview

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By Anne Durrell

Obsessive Compulsive Disorder or OCD causes the disorder to repeat thoughts or actions repeatedly. The disorder with OCD really want to stop himself or herself from carrying out the compulsions, but cannot.

A person may begin to suffer other mental troubles like anxiety without OCD treatment. OCD treatment involves therapy that can be very helpful to the disorder and their family in recognizing about the disorder.

Treatment Options

OCD is cured with combination techniques. Nowadays, OCD treatment mostly involves:

* Therapy

* Medicine

Treatment can only work when the patient is ready to get help and is willing to maintain a commitment to all aspects of the treatment. Treating OCD is something that requires a lot of work.

It is not like many other situations, medication alone will not bring succeed to stop OCD behavior or warning signs. The disorder with OCD has to be persistent to all the treatment parts.

Treatment

Treatment is the most frequent form of OCD therapy. OCD has been known as a mental disorder as well as behavioral therapy has proven to be more successful as a treatment.

Behavioral therapy can be tailored to fit the exact compulsions of the patient. Behavioral therapy also can offer patient different techniques to help them. These techniques include:

* Systematic desensitization: exposes the person to the anxiety provoking stimuli gradually

* Relaxation techniques: teaches how to cope with stress and anxiety

* Flooding: Combines systematic desensitization with relaxation techniques to help the person overcome the compulsion

Meds

Therapy has been found to be good for OCD patients. Anti depressant is the most familiar used drug for OCD medication.

It is compulsory for the disorder to recognize that the treatment can only help a little bit, and that the therapy must be taken in combination if all relief is wished.

To help the lives of those with OCD, several new researches helps bring about new techniques to treat the conditions.

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5 Executive Resume Myths

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By Eric Civi

If you're considering applying to jobs at the executive level, the process can get complicated very quickly. However, as long as you are ready and knowledgeable, you can prepare an executive resume that is sure to get you the job that you want. Unfortunately, there is a plethora of misconceptions and myths about executive resume writing out there. This article will shed light on said myths, and hopefully provide you with a better idea about executive resume writing.

Myth #1: More experience is better than less experience. This ain't correct for several reasons. First of all, depending on how many years you've been in the profession, if you have too much experience your steadiness and commitment abilities might be questioned. Secondly, a couple great experiences are much better than a lot of good experience. When it comes to the skills you have, quality is constantly better than quantity.

Executive Resume Myth #2: Resumes should only go as far as ten years. To begin with, a chronological resume might not be the best choice for your executive resume. Then, you need to strategically pick which careers and experiences provide you with the necessary skills to get the specific job you're applying for, regardless of the timeline involved. The purpose of sending a resume is to showcase you are the best candidate for the position, so you need to highlight your best skills and experiences to the employers.

Executive Resume Myth #3: Describe your duties in details. Details are always good in an executive resume. Explaining your responsibilities isn't necessarily going to make you look qualified. Responsibilities are limited to the things you were supposed to do in your job. That doesn't necessarily mean you performed them. Instead, give examples of successes, duties and goals met at that particular job. This will provide better proof of what you're capable of for the employer.

4. Executive Resumes should be limited to two pages. While length shouldn't be automatically your first concern, you do need to capture the reader's attention within the first few paragraphs of your resume to keep them going. It can often be impossible for candidates at this level to condense their years of experience into a couple pages, so don't limit yourself. Instead, simply prepare your executive resume while emphasizing the experiences and diplomas that will be most likely to land you the job. Then go back, revise and add or remove things as necessary. You shouldn't end up with a 4 page resume, but you also shouldn't provide an incomplete picture of yourself by limiting yourself to a strict number of pages. Focus instead on making yourself stand out and demonstrating that you're the best choice for the job.

Executive Resume Myth #5: Focusing on what I did for other employers. While demonstrating past successes helps to show your abilities, you shouldn't focus on this. Employers just want to know what you can do for them. They could care less about what you did for other employers. You need to find the balance between listing your experience and showing what you can do.

Executive resume writing can get quite difficult but, hopefully, this article will help you understand it better and write one that lands you the job you want. If, after reading this article, you're still not sure about executive resume writing, you can consult with a service that offers professional executive resume writing.

Some people can write a great executive resume on their own, while others might be better off leaving it to a professional writer. Either way, this article should shed some light on executive resumes and help you know what to look for in executive resume writing.

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Ways That A Personal Injury Solicitor Might Assist You In Your Claim Against Law Enforcement

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By David Harfield

A personal injury solicitor in Sheffield can help you claim damages against the police if you feel that you have suffered unfair personal injury at the hands of one of their officers.

In modern times, the police is supposed to protect and serve the public so that the world is a better place to live. Mostly this is true and our police are there to look out for us.

But there are cases wherein uniformed officers have taken advantage of their authority and harmed innocent citizens. Investigating, prosecuting and publicising such cases is important, for without vigilance towards those that are meant to protect and not abuse us, civil society would soon break down.

Since a high percentage of taxes go toward police's wages, commensurate services are expected, and are often rendered skillfully. Although the idea of suing the police may appear completely alien to some people (because they are the people we expect to protect us), if they have abused their position they are no less liable than anyone else.

The legal process can be quite scary for a newcomer so an experienced personal injury solicitor can answer questions and help you attain your desired goals.



Many law firms have specialist teams who deal specifically with actions against the police, chiefly because it can be such a complex and intricate procedure due to the nature of their establishment. Making a case against the police will not be like making a case against a regular member of the public; this does not mean that you should not pursue what you think is a just claim.

Compensation is the likely outcome of a police claim. If you were to get compensation it would fall into one of three categories:

1. Basic Damages

2. Aggravated Damages - for injured feelings (usually not less than 1,000)

3. Exemplary Damages - for when an action was oppressive or violated the constitution

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Best Poker Books Even Written - How To Choose Between Them

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By Eric Lass

There have been so many poker books popping out for the last few years, and choosing a good one has also become increasingly difficult. The reason there are so many books is clear: poker has become one of most popular sports to play. So here are some tips on how to choose the top poker books out of the thousands out there.

Never try a book that is not written by a professional. If you want to learn to be the best, or at least become successful in this game, you need to learn from the best. You wouldn't learn how to play basketball from a professional golfer would you? No. To be successful at something, you need to learn from the master.

Avoid poker books with a system approach. If you are considering a poker book but the only thing it talks about is following a system, discard it and keep on searching. The best poker books offer advice, strategies, and specific tactics on how to play this game.

If you have no idea where to start, the most popular poker books can be a good bet. The number of copies sold makes a good indicator of the value the book brings to the table. Usually, high profile professional poker players make the highest ranking books, but you can also find top poker books written by professionals unheard of before.

When choosing the best poker books to read, you should check out genuine reviews written by real people. Don't take just one person's advice, but read a few to see what the whole picture is. You can then make a decision on the top poker book you should read next would be.

Book sites often give out excerpts from the poker book to provide a better picture of the book. It would be to your best advantage if you read through the piece of text. You will have an idea of the authors style of writing and you will have the idea whether you will be able to enjoy the whole book. Nothing is worse than buying a book that you can't finish reading.

Only a few people enjoy doing math. Math plays a major role in the poker game, and without it, you wont improve much as a player. It would be a good edge for anyone to find a poker book that specifically teaches you the math of poker. Yes, they are a number of books out there that do just that.

Hopefully these tips for choosing the best poker books will help you become a better poker player. Reading and learning from the best players in the game is one of the best ways to take your poker game to the next level. Just remember these poker book tips and you will not be disappointed in your decisions.

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Home Schooling and Children

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By Marion Jones

In recent years, home schooling has become very popular especially with middle and upper-middle class families. There have been lots of arguments over the years about home schooling, but pedagogues claim that there are advantages as well as disadvantages in home schooling but it appears that the former outweigh the latter and therefore, a lot of families are now choosing home schooling over the traditional schools.

Cultures vary and somehow the relations within the family are affected too. In some cultures, family ties are fairly strong, but there are also those who don't have very good relationships with other family members. However, through home schooling, family ties and relationships are improved. Parents will spend enough time with their children because of the home schooling program and the children will have to listen to their parents as well. Communication is much improved and both parties will learn about the importance of speaking and listening.

Many families opt for home schooling because of its diversity. However, since the cost of home education is a bit more than normal schools, the financial position of the household is quite important. However, even without considering the financial factor, many parents would still go for home schooling, because it can guarantee their kids' safety. Public schools often have dangerous situations that can affect kids terribly, however if they are in a home schooling program, they can stay away from these predicaments and their parents will be there to guide them.

Instead of placing the kids at a public school, many parents prefer home schooling because the learning environment in the public schools is not that good. In public schools, very young pupils may experience problems that can affect them socially, mentally, and academically for a long time. Pedagogues who have conducted surveys, claim that children learn better in a good environment surrounded by loved ones. A further advantage of home schooling is that children can learn according to their capacity. You can't just give a new lesson, if the previous one hasn't been learned yet. It may take longer, but the results are better.

As mentioned earlier, home schooling is a tad more costly. However, if you think that you might be able to cut down on your child's educational expenses, you're almost certainly wrong. Home schooling costs are almost the same as those of traditional schools. However, if you participate in the forums of the parents of home-schoolers, you will find that there are ways to reduce costs. Of course, you will need to spend on the resource materials, computer, and internet, but you can also visit outside resources like cultural do's, public libraries, etc..

You will be given even more cost-cutting notions, if you get in touch with other parents. The Internet offers numerable possibilities and with a bit of research, you can surely discover ways to ease the costs. If you don't want to pay for teachers, then you will have to learn the lessons as well. You have already studied the various subjects in your kids' educational program, so you only need to review them. You can get further educational material online or the bookshop and later on, teach your children.

So, it is plain to see, that home schooling is by far the best option, especially if your child is still rather young. It all depends on you and your kid, whether they continue this kind of education until they graduate for college.

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How To Say I Love You In Thai

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By Robert Hawkins

So, you have connected with a lovely Thai girl and you would like to tell her I love you in Thai or even question if she likes you or to let her know she is cute. You've tried in English and somehow she just isn't understanding. At times the language of the heart can be hard even when you speak the same language. How will you let this sexy Thai lady know just how you feel?

It's really pretty easy to learn several phrases of Thai and trust me they will go a long way in impressing your Thai lady. Your Thai woman will be so happy that you have taken the time and effort to pick up a bit of her language.

Here are some phrases of love that will go far in letting your girl know how you are feeling and finding out how she feels. Don't allow the spoken language barrier block the words of your heart.

chan rak khun - I love you

khun suay mak - You are very beautiful

khun na-ruk mak - You are very cute

khun tam hai pom mee kwarm sook - You make me happy

pom kit teung khun - I miss you

pom sot - I am single

khun chorp pom reu blao - Do you like me? (For yes the reply is "chorp" and for no the reply is "mai chorp")

khun mee faen reu yung - Do you have a girlfriend/boyfriend? (For yes the reply is "mee" and for no the reply is "mai mee")

ben faen pom dai mai - Can you be my girlfriend? (For yes the reply is "dai" and for no the reply is "mai dai")

pom kit wa pom long rak khun - I think I have fallen in love with you

hua jai kong pom ben kong khun - My heart is yours chan rak khun mak leeuy - I love you so much

joop dai mai - Can I kiss you?

tee rak - sweetheart or darling

khun keu yot ruk kong pom - You are my sweetheart

That's all I've got for now, I'll post more useful phrases for Thai love and Thai love phrases in the future so you can speak of matters of the heart better with your Thai lady. Please tell me if there's anything specific you are curious about.

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The 3 Great Principles of Freemasonry - Freemason Books

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By Simon Gray

Freemasonry is a structured organization that has been around since at least the 1700?s. They claim to be a Fraternity dedicated to the masonry trade of years ago. There are many Lodges all around the world. These lodges go under a variety of names, but they all have the basics in common.

They explain themselves as being comprised of a membership of men only emphasizing moral and spiritual values. Members are taught meanings to these values through what they call rituals. These rituals are somewhat like play acting but utilizing the stonemason?s customs and tools of year ago.

They believe in using allegory as a teaching aid. Allegory is a method used to explain things that are difficult to put into words. It is a way of using everyday terminology to explain a spiritual meaning. To become a member of the Freemasonry you do not have to be a tradesperson. You do have to believe in a ?supreme being?. They indicate a prospective member can be of any race or religion as long as they believe in a ?supreme being?. In addition, they must have a good reputation. It is claimed that the Freemasonry will not allow religion to be discussed at their meetings and being as they claim it is non-political means politics may not be discussed either.

It would appear that the concept of the Freemasons is to be able to live a higher quality of life that what many would consider the norm. Their whole foundation according to them is based on three major principles.

1. They are expected to respect others in true brotherly love. They must portray a tolerance for other people?s opinions. (Almost a live and let live concept)

2. Caring for those that have less or are in need is a priority to the Freemasons. They are very dedicated to their community and feel it is their responsibility to serve them by way of charity events for example.

3. They believe in living by example. By striving for the truth and maintaining high moral standards. As we pointed out charity is of crucial importance to the Freemasons. They believe they have a responsibility to looking after children that have been abandoned, individuals who are ill, and the seniors. They work hard to be able to donate large sums of money in support of local charities as well as national. The Freemasons society puts several expectations on their membership such as?

(a) All members must adhere and respect the laws of the country they reside in.

(b) Being a member of the Freemasons does not affect the private lives of its members in regards to the social expectations as citizens. It is believed that being a Freemason means to have those expectations strengthened.

Freemasons are strictly forbidden to use any influence they may have as a Freemason for personal gain.

d) His citizen duties must always take priority over any type of relations with fellow members. They are not allowed to protect fellow members who have not acted according to the foundations practices or rules.

There has been much speculation of the secrecy of the Freemasons. They themselves deny any type of secrecy. They state that all members are free to acknowledge themselves as members of the Freemasonry. All of the constitutions and rules are open to the public. It does however regard its internal affairs for members only.

Over the years there have been many independent Grand Lodges surfacing. According to the United Grand Lodge of England, some Lodges do not meet the true standards of the Freemasons. Therefore, they are not recognized by the Leaders. It would seem that some of these lodges do not require a belief in a ?Supreme being? and they can discuss Politics. These are two areas that go against what the Freemasons stand for. According to the Freemason, members must put God first (although members can use whatever they perceive him as being. Then he is to serve his community but not at the expense of his family.

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Family Law Counseling & Minor's Counsel

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By Jon D. Alexander, Esq.

My name is Jon D. Alexander, Esq. and I am an Orange County, California Divorce Attorney. This article is the eighth article in a series outlining the divorce process in California. Please be aware that this article is not intended as and should not be relied upon as legal advice or as the creation of an attorney-client relationship.

Today's article explains, briefly, counseling under Family Code Section 3190. This section provides instruction on counseling of parents and children. Generally, in a family code proceeding regarding custody or visitation, the court can order any or both parties and the children into outpatient counseling with a mental health professional and if a necessary a substance abuse program.

The factors considered when determining whether such an order is necessary are: (1) a finding that the counseling is in the best interests of the children and that the disagreement between the parties (parents), will be a substantial danger to the best interests of the child if it is not alleviated by counseling; and (2) In the past five years there has been an incidence of domestic violence.

A family court may only order counseling that lasts up to one year. However, this one year limit is renewable. Court must also determine that counseling will not be an undue financial burden. You might remember from previous articles in this series, that family law court Judges are not authorized by statute to order parents or children into therapy (but a juvenile court can order therapy).

There are Minor provisions in the family code that govern appointment of minor's counsel. Family Code Section 3150.1 authorizes the family court to appoint a lawyer for the child if it's in the best interests of the child. The appointed attorney represents the child during a custody or visitation proceeding. Minor's Counsel's duties include (1) interviewing the child; (2) Reviewing files and records of the parties; (3) Conducting reasonable, necessary investigation; (4) locating and offering witnesses besides the parties (parents) to the case on the child's behalf; (5) Representing the child and arguing on behalf of the child's best interests; (6) in sum, Minor counsel represents the child just he would any other client.

Minor's Counsel has the ability to veto examination of the children even without a court order. And Minor's Counsel determines who may claim certain privileges that belong to the child. Minor's Counsel speaks for the child but also is bound to act in the best interest of the child and must convey the child's viewpoint to the court. This means that Minor's Counsel must report that, for example, the child wishes to live with Mom, but Minor's Counsel must also report whether this would be in the best interests of the child.

Keep in mind that Minor's Counsel is not an expert, like an evaluator, and isn't required to be. And if the attorney does present the best interests analysis, they are not required to submit to cross examination regarding his analysis. Minor's counsel can, however, interview others like care providers and mediators in order to reach his evaluation.

Under family law code Section 3151 at the court's direction Minor's counsel will be required to prepare a written statement of issues and contentions that explain the facts relevant to the best interests of the child. These statements usually contain a summary of information received from care providers, a list of the sources, results of the investigation, and other issues or facts relevant to the analysis.

There is no law on point that requires Minor's Counsel to be subpoenaed to testify in court. There is, however, an older case (McLaughlin) that is instructive regarding this issue. Theoretically, McLaughlin could be used to make an such an argument if a case involving Minor Counsel be required to testify is heard by an appellate court. In McLaughlin, a mediator made recommendations against a parent in a confidential mediation county. The mediator was subpoenaed and relied on the local rule which said he wasn't required to testify. The trial court ruled that the mediator need not testify. However, the Appellate Court reversed, forcing him to testify and be subject to cross examination. The Appellate Court held that there were constitutional issues involved and would not allow the mediator/witness to provide information to the court without be subject to cross examination.

So it would be possible for a party's counsel to argue that Minor's Counsel should be forced to testify and be subject to cross examination, using McLaughlin as precedent. Note, that while Minor's Counsel can claim this privilege to avoid testifying, but he can also waive it in favor of testifying.

In my next article, we will explore some interesting Minor's Counsel/Children issues and we will look at Parent's constitutional rights in the context of Divorce proceedings including some relevant and interesting case law. In the meantime, if you have any divorce or family law related questions please contact me at your convenience. You can reach me directly at my website linked below or you may email me Jon at oc-familylawyers.com.

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Which Loans for College Students?

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By Pauline Davies

Let's suppose that you have a child who will soon be graduating from high school. You will feel proud of course, just like any other parent whose child is graduating from high school. It is one of those milestones in life that you have successfully passed, despite all the financial obstacles that you have probably had to overcome. It is time to celebrate, for you have fulfilled your responsibility of giving your child a better future.

But, most people would say, that a high school graduation is not the end of the story. In fact, it is only the beginning of tougher challenges that await you and your child in the following years of college education.

At this point, you should start thinking about how you will finance the studies of your college-bound child. With the increasing cost of tuition fees, you need to plan ahead well of time to avoid any problems, especially if you not well-off. You probably already know how hard it is to have to cope with the increasing costs of your child's high school education before. The sooner you start planning for the college education of your child, the less you will encounter financial problems later on.

If you honestly think you will ever be faced with financial problems again, it is vital that you understand the different financial aid programs available for your college-bound teen. Continue reading to learn the financial aids that are available to you:

A Grant: it is the first sort of college financial aid that you should try for. It simply needs you to complete a FAFSA (Free Application for Federal Student Aid) application form. Once the application has been sent, it will be checked and if your child qualifies, he/she will get the full amount of what he/she has applied for. At this point, you need not do anything much more except provide the name of the college or university that your child wants to go to.

A Scholarship: Despite the fact that scholarships are mostly meant for students who have the 'brains' but not the 'money', not all college scholarships are intended for academics. Students who do not have the best academic record can still qualify for many other college scholarships. There are college sports scholarships, community service work scholarships, social involvement scholarships and many others. These are only a few of the different types of scholarships for your child if he / she is not that academically talented.

'Student Loans': these kinds of loan have much lower interest rates compared to other kinds of loan. Some loans are off-set, which means that the interest does not accumulate until a student graduates college. Furthermore, these loans do not require collateral, and therefore, you do not need to worry about putting your own home up as collateral against the student loan for your child. Most of these loans are available on different repayment plans at low interest rates and low monthly repayments.

If you haven't yet started looking for any of the various financial aid programs available, it is advisable that you start now. These financial aids are there to help you and will provide the funds needed for your teen's college education. You can be free from worries about the cost of your teen's education, if you start early enough.

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Ways To Help Forming A Corporation

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By Thomas Markley

Forming a corporation can be a daunting prospect for a new business owner, but it is fundamentally an easy process. You can choose to go it alone, using tutorials and self-help guides; or you can opt to ask the professionals to help you with the process.

The first step in forming a corporation is to pick a company name. Conducting a detailed search on the internet will give you an idea of names that are already taken. The name must also end with words such as "Corporation" and "Limited". Once you have picked a name you are then ready to move on to the next step.

The next part of the process involves you electing directors and members of the board. They are appointed to make sure the company is run correctly; the area where you are registering the company may ask you to have one or more directors. These places must be filled before you can consider filling in any of the forms.

Papers can be collected from the corporate filing office and you need to input the information correctly. It will ask you to clarify things such as the company name, the address and the names of the directors or board members. It is likely that you will be asked to appoint a registered agent and provide their details too. A registered agent is someone who the public can contact in the event of a legal query.

Next in the forming a corporation process, is the formation of corporate bylaws. This document outlines the rules that will ensure the smooth running of the business and details items such as planned annual shareholder's meetings. This is usually followed by a board meeting where board members and the director finalize any outstanding issues.

This then leaves the final stages of forming a corporation which are the issuing the stocks of shares and obtaining an EIN (Employee Identification Number). Once this is complete you are more or less ready to start trading as a corporation.

If this all seems a bit too much, there is the option of purchasing ready made companies. There are providers out there who have already registered companies and are willing to sell them to you for a reasonable price. The price that you will pay for ready made companies is usually determined by the age and name of that company.

Forming a corporation can be worth the hassle as you can take advantage of lower tax rates and limited liability. This means that creditors cannot chase shareholders for debts owed by the company. As long as you abide by the laws governing incorporation, you will be covered for most eventualities.

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Freemason Symbols And Their Meanings - Freemasons Secrets

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By Simon Gray

There are many that believe that Masonry is some secretive type of religion where as the Freemasons vigorously refute this. They will tell you that yes they have a alter which supports the volume of the Sacred Law. Just what this is is not quite clear. They stipulate they open their meeting in prayer, but it is unclear as to whom they are praying to. Some temples will tell you that you just have to believe in a supreme being, while others say it is God. Then there is the concept because they use the name of temple for their meeting places then it must be religious. They state that they simply encourage their members to be active in a religion and church of their own choice.

It would seem that a new member would often receive a Masonic Bible as a gift. The claim is made that this is most often the Holy Bible being the King James Version. It has an added front page to name the recipient of the gift and the purpose for receiving it. Some of them may have a special index to show what the rituals are referring to in regards to scripture verses.

This can become quite confusing based on other information they have supplied. They say they don?t force a member into believing in God, yet they hand out King James Bibles. They say they don?t preach religion yet they depict scripture in their rituals.

In reference to rituals, they offer the fact that anything that is done repeatedly is a form of ritual. Such as starting a school program everyday with the same opening, or ongoing business meetings. The purpose of their rituals is simply a teaching aid, a way of getting their point across.

When it comes to reference of their use of symbols they simply indicate that any type of communication is a form of symbol and will quite often used the ordinary stop sign as being a symbol to indicate a purpose or meaning. The most common symbols used by the masons are?

The square and compass is the trademark of the Freemasons The square is meant to depict the earth and its responsibility to honor and truthfulness as well as integrity. The compass is a symbol of the spirit and self-control The G stands both for geometry in accordance with the beliefs of historical science in its relationship with God, and it stands for God as well. The gavel is to depict self-control and self-discipline as being key components of man. The hourglass is a reminder that time stands still for no man and there is no room for procrastination.

The meanings of most of the other Masonic symbols are obvious. The gavel teaches the importance of self-control and self-discipline. The hourglass teaches us that time is running up and procrastination is not an option.

The Masons have certain specific that they indicate that they teach. According to some they state that they teach, that God is the creator therefore all humans are children of God therefore they are all brothers and sisters. It would seem that this is the very concept that Christianity teaches yet the Masons feel they are not a religious organization. Their whole goal is to promote their members to be constantly bettering themselves spiritually and morally. This too is a goal of Christianity. When one looks closely at what the Masons purport as their teachings they on the surface look no different to what many of the standard religions teach.

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How Masonic Lodges Are Formed - Freemason Lodges Degrees

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By Simon Gray

Freemasonry is by far not a new organization or religious group. Its been around for many many years although having slight variation in names according to the country and state they are related to. It's an organization that has always had a mysticism attached to it as the participants do not openly discuss the intricate workings of their organization.

They started off as a simple group of Masons who were responsible for the spectacular building of the old abbeys and castles that were famous for their grandeur during the 17th century. They formed their own guilds and called themselves Operative Masons which was fitting being as to the type of work them were in. Then there was a reduction in the building of cathedrals which played a large part in their work. This led the Operative Masons to open their doors for membership for non Masons. They were given the name of Speculative or Accepted Masons. The groups became mostly made of the Accepted Mason and their groups were officially known as Lodges. There were several groups or lLdges and in 1717 there were four of these groups that held regular meetings in London England. They amalgamated and formed the first Grand Lodge which was sphere headed by one Grandmaster. This was the beginning of the Freemasonry as it stands today. Not only has this organization withstood the passing of time they have grown where they now boast of having around 150 of these Grand Lodges throughout the world. Their total membership is in excess of four million Masons.

Their organization is built on the concept of all men are brothers and come under the rule of a Supreme Being, although they do not promote themselves as a religious group. They serve no one denomination but expect their members to serve the God of their choice according to their personal beliefs. Although there are Grand Masters for each lodge there is no Supreme Master that rule over the whole body of lodges. In order for a lodge to be considered a true freemasonry lodge it must adhere to the code that has been set for the mason. Most often one Grand Master will preside over several lodges that reside within a specified jurisdiction.

Their general function is somewhat like any men?s club. In fact some have been known to refer to the Freemasonry as a fraternity. The men have regular meetings as a form of companionship. They encourage strong moral ethics. The mysticism comes into play with their well known secrecy. They are known to have rituals that center on the purpose of life and where morals take the lead. The whole basis of this organization is self improvement center on brotherly love, and truth. They must put every effort into applying this to their daily lives. They put heavy emphasis on charitable acts.

Membership is not granted easily. They do not advertise for new members but that doesn?t mean they aren?t approachable. Any prospective member must be at least 18 years of age and possess the expected character and reputation that all Freemasonry members do. They must be morally strong and believe in a higher being. This group is so adamant about their requirement they actually investigate the character of anyone being considered for membership. When one looks upon Freemasonry it depicts a very high standard way of life. Having a membership in a Lodge means that a learning experience will begin. Not only does a mason have to talk morally but must live what they believe. Patriotism is essential by respecting authority figures. He must also possess a willingness to stay active in his Lodge and participate in whatever endeavors that particular lodge takes on.

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Specially Designed Math Software

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By Sheryl Hope

The math software stresses on the four fundamental operations which have been instrumental in the introduction of a higher level of understanding in the field of numbers. The introduction of this tool has turned problem solving easy and fun especially for the children. With this tool the children learn to appreciate the importance of numbers and the basic operations like addition, subtraction, division and multiplication.

The world is surrounded by numbers from womb to tomb. The study of mathematics has been popularized by the great Greek philosopher and mathematician Pythagoras. He is known as the father of mathematics. He has been known to have introduced the Pythagorean Theorem which is now the fundamental step in learning the field of numbers. To the original Pythagoreans the study of the theorem is the study of everything in life.

Adults who want to make a review or like to enhance their limited knowledge in numbers can likewise avail of this software as their virtual teacher. The study involving numerical figures are now integrated in schools at all grade levels. The noble scientists of the modern times have developed the math software for everyone to see the beauty of figures. Mathematics is a perfect science, but to be perfect is not an easy thing to do.

Everything has been made enjoyable most especially with the cartoon characters incorporated in it. These cartoon personalities are the playmates and teachers of the students they are studying. Making homework has never been more fun and entertaining for these learners. This math software has been programmed and arranged by grade level.

Specific subjects like Algebra, Trigonometry, Calculus, Statistics and other math related fields are available in this educational aid. For those who are interested to avail of this remarkable material, you can check online for your needs regarding mathematical operations and equations. You will find on some web site your needed math software.

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Providers Of Public Marriage License Records

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By Jennifer Jenkins

Marriage Records are public records. They are one of the core Public Vital Records along with Death, Birth and Divorce. It is a very well-searched record category and is available to any member of the public free of charge as long as procedures and requirements are complied with.

Public Marriage Records are an invaluable source of information about people. Some of their contents can be quite private so there may be certain degree of restriction on its accessibility and use. They fall under state jurisdiction and have variations on that count from state to state. The databases among the states are also not linked so marriage records in one state are not likely to show up in a search conducted in another. A complete search would have to cover all the states nationwide that the subject has ever resided in.

When protected information or those deemed as too sensitive or against public interests are lodged in the marriage records, they will be classified as Confidential Marriage Records. They are still Free Marriage Records technically but will be a lot more restrictive in accessibility and use. The bulk of free marriage records fall into the category of Public Marriage Records. The information that is found in them includes the personal particulars of the couple, their parents and witnesses. The name of the officiant of the marriage ceremony is also stated in normal cases.

Free Marriage Records have many widespread uses. They are an invaluable source of information for those in Genealogy and other forms of historical studies involving people. Lawyers, journalists and police use them to gather information. Separated children can search and locate their biological parents with free marriage records. Those in a romantic relationship often check their partners marital background by retrieving their marriage records especially when wedding bells are round the corner.

It's actually easy and convenient to obtain free marriage records from the respective government departments. Requests can be made by mail, fax, telephone, in person or even online nowadays. With computerization, the retrieval proper can be swift but the formality and procedures may necessitate some queuing or waiting period. To get around that, turn to commercial providers for Online Marriage Records. For a few dollars, you get them faster, better and easier.

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Who Else Wants Earn A Degree Online Info?

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By Dorothy West

Is the lack of time or money hindering you from going to college? Those things are petty things which should not get in the way if you know how to find accredited online colleges, and that's what this article is all about.

The latest breakthrough in technology, online colleges give you the same, quality degree, without any of the unnecessary expenses, like rental of school facilities, canteen lunches, bus fare, and more. Here's why you should take advantage of it.

Studying online means studying just about anywhere you want. Money is longer an issue because you won't be spending a fortune. If you've got an internet connection and computer at home (which you probably already have), then that's all you'll need

Studying online also means working whenever you have the time. If you're working part time, as a barista for example, you can go to work in the morning, and then go online and study in the afternoon. Because online universities have no strict schedules or deadlines, you can study and submit requirements when it is convenient for you. Time is no longer an issue.

If you're already convinced that you want to study online, then great! If not, try looking for other articles to put you on one side of the fence. But for those whose interests have been tweaked, here's how to get that online degree.

1. Research and Inquire Your search engine is your best friend. Look for courses you're interested in, or take some tests to find out what major suits you, and look for the colleges that offer it online. Make sure that the colleges are accredited by the Higher Learning Commission, and that the course is available for you. Email them or call them and ask all the questions you may have.

2. Apply and Start Are you all set? Then go! Apply online, fill up forms, pay using a credit card, and you'll be ready to go to school online. Once they give you your username and password, you can log in at their website and work for that degree.

Why delay any longer? If you've always wanted to go to college, but could never afford to, then now's the time. Now that you know how to find accredited online colleges, you'll be saving a lot of money, while getting the same quality education.

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You Need To Understand Different Resume Samples Before Writing Your Resume

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By Ferdinand Emy

Writing your next resume doesn't need to be a challenging or frightening task. Many people are so concerned as regards the process of writing a resume that they put it off pending when they lose the opportunity to land the job they have Regularly wished. If you fall into that category then you may need a good number of assist in the process of writing a resume. A resume sample can aid to guide you through the procedure of writing the ideal resume.

As you will see from searching at a resume sample, a resume is truly nothing more than a summary of your experience, skills and qualifications. The resume describes your work history and ultimately explains to the employer why youre the optimal person for the job.

One of the most consequential things you need to understand as regards a resume sample is the importance of making a good first impression. The number of persons searching for a job today is rapidly increasing. This means that you absolutely must make an effort to stand out. The goal of a resume is to help you get a call for an interview, which is the next step in the hiring procedure. A resume sample can endow you with step by step guidance in learning how to write a resume to meet your goals.

Look for a resume sample that will let you to straightforwardly organize your skills and experience on your resume. The most successful resumes are those that are Exceedingly organized and very easy to read. Keep in mind that if your resume appears to be simple to read or hard to follow then the employer may just decide to toss it aside.

You should similarly look for a resume sample that focus on the employer's needs instead of your own. This is a common misprint that numerous individuals make. While you surelyhave requires of your own that require to be met, you must concentrate on the employer's requires when writing a winning resume.

It's similarly essential to ensure that your last resume is relevant to the open job position. Customizing or targeting a resume is a good way to ensure this. Toward this end, ensure that you look for a resume sample that is relevant to the sort of job that you are searching to be hired for. Looking for such a resume sample will assist to guide you in the right direction.

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Math Games For Math Problems

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By Sheryl Hope

These math games help in understanding the fundamental mathematical operations in most simple manner. Problem solving that deals with numbers and mathematical equations is like a breeze for the learners. Current educational technology introduces math games software to make learning numbers more easy and fun for little children.

Parents having these aids will always be guided on problem solving with their children. This material offers great family time while doing problem solving. The math games can also help parents follow up their children who are having a hard time with Algebra for instance. The lessons will not be boring but fascinating instead. This educational tool is also arranged by grade level and by age group.

The software provides for a step-by-step explanation which is very easy to understand. Take for instance Algebra which is the most basic among the mathematical courses. At the start Algebraic terms and concepts may seem mysterious and really confusing. However, with the math games your child can become proficient in the subject in a matter of days. The achievement tests incorporated in the tool will help your child succeed.

Do not forget that there are different levels of these math games. As the grade of your child goes higher, a corresponding program is likewise designed to fit his or her learning capability. This is the versatile software that adapts to the student as well as the parents needs. It can empower learners to control the pace that best fits their learning style. What is more is you can always return to any point in the program and make a review over and over as often as needed until you master the whole program.

You may also inquire for the appropriate software you need. If you want to know more of the Algebraic Terms and Operations, you can browse for web sites that deal on this type of learning. You can also find online a clear and comprehensive review of these complex equations if you visit certain sites specializing on math games.

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How To Trade Price Action In Forex Markets?

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By Ahmad Hassam

To become a successful trader if you are new, you should immerse yourself completely in the subject in order to find your edge. If you already a winning at trading than you should know exactly what your edge is.

The sharp moves often seen in the forex markets can be difficult to trade and often interpret even by advanced traders. Learning to read and interpret price action can be a huge advantage.

In a steep decline, one should be careful to measure the reaction of the longs. You must know if the move has the chance to turn into a rout.

Look at the reaction of the longs as soon as the rate begins to go south, this way you may be able to determine if the market is sitting on a large number of long positions. In case, the spike is followed by a sharp V recovery, you should avoid shorting the pair.

Many buyers entering the market at lower levels tell you that the market is not heavily long. These lower prices mean bargain prices for those wishing to accumulate long positions.

Moving averages (MAs) are among the oldest, true and tested lagging indicators. MAs can be simple as well as exponential. Widely used moving averages are the 50, 100 and 200 day MAs. Many traders use MAs in making trading decisions.

Moving averages are lagging indicators and relate with the past price action. MAs can be used effectively in day trading for entering and exiting positions in one way markets.

During sharp moves, it becomes difficult for the trader to properly enter a position since retracements are far and few.

MAs can be used as dynamic resistance levels in such situations. This can give better results than the static support/resistance levels used by majority of the traders.

The advantages of using MAs this way gives you dynamic levels to trade off and gauge price action. MAs can help you avoid using arbitrary levels when you should take profit.

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Trying To End A Relationship Or Get Over A Broken Heart?

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By Lilliana Haley

Relationships take work and that still does not mean that it is always going to work out. Anyone who is willing to put their heart on the line and love someone always risks the chance of getting hurt. However we all know that broken relationships are always going to be a fact of life.

Chances are you are struggling to end a relationship or you have a broken heart from a troubled relationship. The emotional pain that one endures from either of these problems is going to take some time to help you recover and get back on your feet.

That is the reason that we have decided to help you overcome this issue as quickly as possible. When you take the time to apply the tips and advice below then you will discover it will help you bounce back quickly.

1. Honesty Is Important: Take the time to ask yourself if you are actually happy in the relationship. Many people find this very difficult; after all how do you tell your partner that you are not happy without hurting them.

Many people refuse to do anything about their relationship even if they are not happy with the way that it is going.

2. Communication Lines: Anyone who is struggling from ending a relationship or trying to get over a broken heart; should always remember to keep their communication lines open. People who go through this experience have a tendency to cut off all communication with family and friends.

This can just make you fall into a deeper depression and will take you a lot longer to overcome your issues. Allow yourself some time to grieve and then get back into the real world.

Breaking up with someone or trying to end a relationship can both be extremely difficult. Be sure to visit our site below for some great tips and advice all about relationships and how to make each other happy.

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Making A Defective Product Claim

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By Ayesha Salim

The Consumer Protection Act that was introduced in 1987 has now made it much easier for consumers to make a claim if they receive a defective product which results in their injury. Under this Act, if a product causes injury, the manufacturer is immediately responsible. This is due to the fact that everything we buy is subject to high regulatory standards in order to ensure quality of product, and upkeep safety. However, on many occasions these safety regulations are breached as consumers complain of an accident or injury occurring from using the product. The injury or illness could be the result of anything, varying from the packaging of the product, to a mishap in the ingredients of food. If you have suffered as a result from purchasing a defective product, you may be able to make a claim for compensation.

A product is usually described as being defective when it fails to meet the safety standards a reasonable person would expect. These could range from physical problems with the product, to inaccurate instructions, or the suitability of the product for which it was advertised.

There are many types of injuries that can be caused by using a defective product. Some of them can include the following:

defective toys

defective toys

defective equipment and appliances

defective pharmaceutical products

defective toys

There are a number of different ways a defect can be found in a product. For example, there could be a failure in the design of the product, the result of which makes the product dangerous to use. In some instances, the manufacturer fails to provide adequate product warnings to reflect the dangers and risks associated with using the product. On other occasions manufacturers have been negligent in failing to respond to warnings about potential defects in their products.

Points to consider before you make your claim

You should be able to provide evidence that it was the defect in the product itself which resulted in your injury, and not due to your own mistake. This is sometimes not so easy to tell as sometimes it can be hard to differentiate between a low-quality product and a defective product.

Secondly, it is important to note that you can only claim negligence if you can prove that you followed the instructions given in the manual and gained an injury as a result. In other words, you cannot blame the manufacturer for your injury if you did not follow the instructions provided in the manual.

Making a defective product claim can be a tricky process, as sometimes it is not easy to tell whether there was a genuine manufacturing mistake in the product. However, our solicitors will assess your case and help you in your claim for compensation, should a defect be found.

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How to Encourage Kids to Love Writing

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By Kerry Beck

When you give your children a writing assignment, do they complain and whine about it? I had the same problem, until I discovered something last summer which made all the difference - when my children had a purpose for their writing, they were more willing to complete the assignments. Along the way, my kids learned the process of writing format through publishing.

A few years ago, all three of my children wrote books which are now available for purchase. My son worked for an entire year studying about the jungle and choosing just the right animal or plant to include in his ABC Jungle Book. After making these choices, he wrote a paragraph about each one, using a writing stylistic checklist.

Of course, he didn't work on his book for eight hours a day, every day for a year. After all, he's just a kid! The amazing thing is that he remained motivated all year long. Because of his efforts, he was able to complete his book at the beginning of June.

He was highly motivated for a couple of reasons. First, he chose the topic of jungles himself so he was quite interested in the topic from the beginning. Secondly, the idea of making money from his writing project and publishing a book was exciting. This project gave him a purpose for writing. Not every writing project will end in a money-making project, but each writing assignment should have a purpose.

Of course, most writing assignments aren't done for monetary gain. There are other motivators besides money. For example, you can encourage your child to write letters to friends and relatives; write a story or poem to enter in a contest; write a news article for the family newsletter; relate a funny story on something that happened to them - practically any clear purpose can make writing assignments more enjoyable and effective.

After your child has a purpose for writing, they need to get their ideas out of their head and onto paper. Ideas have to be arranged in a logical order, and then the writing process can begin. Teaching Writing: Structure & Style is the best product to teach kids how to write. It teaches your children to write for a variety of purposes like letters, stories, and essays.

Use the process of writing format through publishing to add purpose to your child's writing assignments. Remember, writing assignments don't have to be about writing - they can, and should, be about a range of topics, preferably based on topics which you and your child are studying at the time. Writing is a skill, one that can be applied to any number of topics. Help your child to write with purpose by asking them to write on many topics, from dragons to trigonometry, summer vacations to science fairs. It makes all the difference in the world!

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American Youth Summer Camps 2009

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By Erich Nilson

Those who are looking for better ways of spending their summer time having lots of fun and learning experiences should explore summer camp options available. For teenagers, there are special youth camps for satisfying every kind of experiences they wish to have!

How will you spend your summer?

It depends upon how you choose to spend your time during summer. Having fun and enjoyment all around, and looking for other learning possibilities are what all the youth always look for. One of the best things during summer is to go for a youth camp if you desire to have some fun and unforgettable learning experiences in your life. What these youth camps offer?

Youth camps: Create your own adventure!

Youth camps will let you have your own adventure. You can have brainstorming activities as well as sport-based outdoor activities that will make you experience all adventure and excitement. They will let your dreams and imagination fulfilled. The highly proficient camp trainers will help you out discover and learn a set of new skills that will benefit you in your all future ventures.

Technology and surfing brought together!

Would you like to discover the latest technological learning, and wish to have fun and enjoyment experiences in summer? There could never be the best choice other than the California youth technology summer camp which combines Ocean Surfing with the latest Computer Education lessons for the youth. This camp offers an innovative learning theory where you can freely learn and enjoy surfing in the blue Pacific. You can also learn here to create and design video games in the computer lab.

Enjoy Surfing: the southern California Coastline awaits you!

The southern California seashore is dear to those who are fond of surfing. It is the place owing to which surf camps become so much popular. Just walk down the beaches of Los Angeles or San Diego; you would also see so many campers enjoying surfing here.

Many camps, for instance iD Tech Camps and Cyber Camps, are some of the major and leading technology camps that offer the combination of computer education and surfing lessons. These both aspects require having the rational as well as physical challenges that are essential for building vigorous personality. What would you like to have more than this during your summer time?

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A Complete Guide To Masonic Education - Freemasons

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By Simon Gray

There are several individuals who are interested in becoming a Mason but just aren?t sure how to go about it. To begin with, they must first reach the criteria that they set out. This means that they must be sound in mind and body. This is the term used from the old day and is not literal as it applied to the current Freemasons. Then they must of course be male. He must have a good background and a belief in God. (This is dependant on the Lodge, some say God other say Supreme Being). There are several informal requirements as well. The candidate?s personal beliefs are important . He must believe in the importance of helping his fellow man. Must have a respect for what others think whether he agrees with them or not. Finally, he must have the desire to excel in his good qualities.

It would seem that one of the rules of being a Mason is that you are not allowed to ask others to join. There is no recruiting for this Fraternity. They stipulate they have reasons for this and that is because being a Mason is a new way of life that should not be pushed upon another. It must be a voluntary act. They feel that recruiting would be pressuring. If one wants to attempt at joining he must ask for an application. It gets filled out then given to a Mason who will present it to his Lodge.

Then the Master of the Lodge arranges for a group of members to visit the applicant and his family to learn about his background and his reasons for wanting to become a Mason. This information is then taken back to the lodge where a vote takes place on whether to accept the applicant. It he has received a positive vote then he will be notified as to a date for the entered apprentice degree. He now will have two other degrees to complete after this one, which will take him to the position of Master mason.

If you were to ask a Mason to define himself, he would tell you that his priority is to feel good about himself. He cares about all facets of time being past, present, and future. His goal is to make the world a better place to live in. This seems to be a never-ending journey so when does the Mason get to come to feel he truly is a Mason. It would seem that when he reaches the point that he can enjoy all that the world contains and accepts that he is only a small part of the scheme of the world and as accepted all that the Masons stand for then he can truly call himself a Mason.

It would seem that the Masons whole belief is becoming the perfect man. It is an ongoing challenge that they strive towards everyday. One wonders if they believe that it?s possible for man to reach that point, and if so, has there ever been such a being in their organization that has accomplished this. Would they place their Grand Master as such a person?

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