Christmas is on the Eve

Almost all preparations are over and Christmas soon will be here.
I wish you a MERRY CHRISTMAS and a Happy New Year!!!!

Legend of Fir Tree Decorating

I adore Christmas and everything associated with celebration of this holiday. Preparation of gifts, decoration of fir tree and everything around….oh oh how I like it. But do you know where the tradition to decorate a tree springs from? It is from Germany that nowadays we have our traditions, images of Santa, fir trees, songs, etc. There was a legend about a monk from Devonshire who came to Germany to teach the Word of God. He used a triangular shape of fir trying to describe the Holy Trinity of God. Then people began to consider the Fir as God’s tree and idolize it. The custom of decorating trees was introduced in Williamsburg, Virginia in 1842 and till now we adore this tradition and wait for this holiday with reverence.

Books - Better Listening or Reading

Some people prefer reading books more than listening. I listened to books only once when I tried to learn Spanish. It’s convenient really. You don’t need to take a book with you and ruin your eyesight. Recently when I was looking for information about religion and spirituality for my grandma I have found so many audio books that now when I am driving a car I listen to Dean Koontz. For me it’s the optimal variant as usually I have no time to read but like reading.

Your Own Time

Spend some time alone every day. Dalai Lama

Why do we need this time? To think, to dream, to plan, to love…We need this time just to spare it for ourselves whether we walk, keep house, write a letter, or just sit in a comfortable armchair. Nobody can break our thoughts and interrupt our privacy. Therefore spending some time alone is needed.

Yoga for Body, Health, Soul

When I was looking for a workout program for my body, soul and health, I chose yoga among the variety. Someone can think that yoga is difficult physically and avoid such kind of classes but it can be as gentle or as energetic as you want. It is inoffensive I believe. If you didn’t go in for sport, like me, yoga is for you.
It has many benefits as it can improve stamina and flexibility, stretches your muscles, strengthens cardiovascular system and so on. The main goals of yoga are to train your body, mind and breath. After my first practice I could say that yoga also reduces stress and helps to sleep better.

Figure Skating Makes Healthier

Nowadays there are so many sports classes and schoolhouses for small kids so whether you have a boy or a girl, you will surely find something suitable for your child. For me it was rather difficult to determine which one will be the ‘best of the best’ for my kid. Certainly, nobody can know for sure what kind of sport his/her child will like most and will be a success. But when your kid is small, only you can decide and try together with the child this or that activity. Looking through a great variety of offers, I have chosen swimming and figure skating as I believe such kind of sport will make my daughter healthier and her figure slim. We had only three figure skating lessons but I saw how she enjoyed it. There is no more pleasant thing than watching your child who is trying to skate and be a success and how satisfied she is.

Get Instant Approval and Plan Purchases

When I was a teen, like many other friends of mine I used the flower to learn “Loves me, loves me not”. (LOL!) Nowadays applying for a new credit card I always guessed: approved or not, approval or denial and wanted to have a magic flower to learn the answer as soon as possible. And I know that I am not the only one who is impatient while waiting for decision.
Recently, I applied for a card that offered instant credit approval and I got it!!! Of course, I didn’t get a card itself immediately but still I got the answer and can wait for my card planning purchases.

Good Mood

If you wake up in a good mood, your day will be productive. But very often we just cannot begin our morning in good mood and there are many reasons for that. For instance: when you go to bed being angry or, say, dissatisfied with something, you will wake up the same way. It takes too much time for you to find this or that clothes or some other necessary thing in the morning? Keep everything organized and you will have less stress in the morning. Some more reasons for waking up in a good mood are a comfortable bed, right temperature in your room and chilled-out atmosphere. These simple rules can make your day better and your mood more cheerful as your mood is one of the keys to success.

Eat Chocolate or Pack

Yesterday I went to make a "chocolate pack" for my body. Oh, it was wonderful! When I decided to make such a treatment, some of my friends told me that it will be too hot but it wasn't, really. It was only a pleasure. Moreover, after the procedure I smelled like a chocolate and my skin was amazingly silky and sleek.

Rain...

Do you like rain? It is from my childhood when I could splash through the puddles just for fun and enjoyed it very much. I didn't catch cold, everything was just great. Now I can't afford it but still I love when it's raining.

Building Credit Attempts

The friend of mine has difficulties in building good credit history. She wants to build a solid one but it is not so easy for her as I understand. She is absent-minded. I know her for 15 years and as I remember she was always forgetful. I thought that when it comes to money, people can change but looking at her and her attempts to build a history I was mistaken thinking so (LOL). She just forgets her due date to make payments and so sometimes is late. How could it be? It is beyond me. It is a little bit funny talking about such unusual cases. Now we all try to remind her about her credit payments every months, just in case, and hope that she will be a success.

Thinking about Winter Holidays

Yesterday my friend asked me about my plans for the New Year holidays. I had no answer. I was surprised to know that many friends of mine have already been preparing for winter holidays; I mean trips. Isn’t it early? Probably, there will be no good seasonal offers for travelling soon, or they just have free money to buy tickets now, or, the last variant, they just want to be sure now that their holidays will be fun preparing beforehand. I understand all these items, but I didn’t think about my holidays because I had no time to think.

Ice Cream Is Good for Our Body and Health

We all love ice cream. Banana, vanilla, fruit, chocolate…Delicious!!! What is your favorite one? Whether you like mango ice cream or just full-cream ice, you should know that ice cream is not just a sweet stuff. It is useful for our health as it is calcium-rich. This mineral reduces the risk of cancer and development of kidney stones. It is also good for our blood as it controls blood pressure. It was a surprise for me that ice cream even helps to lose weight due to calcium. So eat ice cream from time to time to be healthier!

A Harmony in Autumn

Summer is over. Autumn is on the threshold. It's great but at the same time sad as warm summer days went by and now is the time to prepare for cold winter and miss about summer. But in spite of this sadness I like autumn because of very beautiful nature with its bright and sunny colors. Great poets always glorify autumn as one of the most wonderful seasons.

There is a harmony in autumn, and a luster in its sky, which through the summer is not heard or seen, as if it could not be, as if it had not been! ~ Percy Bysshe Shelley

I trust in nature for the stable laws of beauty and utility. Spring shall plant and autumn garner to the end of time. ~ Robert Browning

Autumn wins you best by this its mute appeal to sympathy for its decay. ~ Robert Browning

Good Credit - Lowest Interest Rates

What is the first feature you pay attention to when applying for a new credit card? I believe it is credit card rates and then fees. The lower they are the better. But unfortunately, not all cards come with attractive features. Only people with good or excellent credit history can afford such perfect cards with low rates, no annual fee and other striking advantages. As for those with not ideal credit history, they can use credit cards either with low rates and high annual fee or high interest rates and fees. Why is it so? Banks and credit card companies always risk working with people whose credit is damaged or not ideal. So they need to take special security measures – rather high interest rates and low credit limit. But at the same time such lenders offer a good chance to rebuild credit history and aspire to better financial opportunities.

Mimosa Pudica

Recently I decided to experiment. I bought a seed of mimosa pudica in order to grow it at home. I have never done it before (Lol), never grown any plant from a seed myself at home. So, I expected good results and I got them. Hurray!!!
It is beautiful and very ticklish when I touch its leaves they droop reopening within several minutes. Not for nothing it is called Shy . My daughter likes this flower as a favorite toy because of its effect: droops, re-opens, droops, re-opens...

Always Thrilling Olympic Games

Do you watch Olympic Games? I enjoy watching this strong competition but prefer only friendly kinds of sport. I mean I don't like boxing or weightlifting or anything like that as I simply don't understand them as a kind of sport and don't enjoy seeing how people hurt each other or overstrain him/herself. But still Olympic Games are always thrilling and interesting especially if our sportsmen win. I wish them good luck!

Funny Pictures

What do you do when your mood is melancholy? I like to look at funny pictures and always smile.

Run Your Business Wisely - Be a Success!

Have you ever dreamt of your own business or probably you already run one? I haven’t got the guts to do it as having a business is not easy, eh eh… so I only dreamt.
One of my friends-business owners is always in the know of last business news and looking at him I incessantly admire how savvy, sage and restrained he is in order to be a success. But it’s well known that it is very difficult to run a business.
There are cards for business issued to help entrepreneurs run their business easier and control their business expenses more efficiently. Such credit offers come with high credit limits, attractive rates and fees, separate accounts for the company's expenses and rewards for making necessary business purchases. It’s alluring but yet again only savvy and sage business card holder can be a success!

Love - One Big Word

"Love is composed of a single soul inhabiting two bodies."
--Aristotle
What does this Big Word mean to you?
When you want to do everything together, desire to do anything for that person, share your thoughts and plans, go to the end of the earth together, have mutual understanding - this is my point of view.

Luck...

"It's better to be lucky than smart." "Some folks are just born lucky."
Have you ever bought a lottery ticket and won? I believe in luck and always check lottery results but unfortunately, I have never won. Why do some people always win, others only dream of winning? Luck!!! I think lucky people are lucky in everything.

Province or Big City?

Some people prefer to live in big cities, others somewhere in province. Province is a silent region of country with fresh air and green grass where the tempo of life isn't fast. Big city is noisy with crowded streets and always fussy people but has many places of interest, parks of amusement and stores. If I was asked where I wanted to live, I would hesitate in my choice. Both of them are suitable for me.

Credit Cards Eligibility

It’s so easy and convenient today to submit credit card applications online. But is it so easy to get an approval? Sure it is but only in that case if you submit your application for a credit card you qualify for. If you don’t, then you’ll get a denial and damage your credit score. So, to avoid this happening check your score before applying, it is necessary but also simple - you can do it online. As soon as you find out how high or low your credit score is, you can search for the right credit card offers in order to get approval for sure.

One Who Has Many Friends Never Needs a Full Purse

One famous old proverb says: One who has many friends never needs a full purse. I always thought that I had many friends and was very satisfied with that. But when I thought how many of them were really faithful, the number was not that great. What are the criteria of being faithful? First and foremost, trust. If you don’t trust and can’t share your innermost secrets with him or her, this or that person will never become your friend.
Faithful friend will always help you if you are in need of. And finally, for me, faithful friend is a loyal friend. My friends have these weighty criteria. Do yours have them?

Changes after Wedding

When people get married, they believe that they make a good match but after some years or even months many of them realize that they don’t know each other. The man or woman they fell in love with turns out to be not the person they dreamt of.
Before living together you can look at your partner and the habits and then decide whether he or she is a real person to live with. For instance, spending habits. If your boyfriend spends much doing shopping or just spending his time with friends, most probably the budget of your family built by your joint efforts won’t be stable. They say that money is the main reason for quarrels.

Getting Credit Cards Online

Getting one more credit card…It’s a usual thought of many people who have some financial problems or just want to get benefits and convenience of their use. But not many people are ready to apply credit card online thinking that there are many web resources that can trick. I got my first plastic submitting the application online. I did it because the friend of mine had already tried the site and I was sure that my personal data was in the right hands. As the variety of web resources is amazing, it is better to make sure that the site is real and helpful. Ask your friend or relative and probably they will name you the proven site. Or, use search engine to find a suitable variant then weigh all pros and cons and read terms of use and privacy policy carefully.

Smoking Bans

Smoking is a harmful habit. I hate even smell when someone is smoking nearby. Smoking bans especially in restaurants can be really effective, a Massachusetts study suggests. Living in towns with strict bans teens less likely become bad smokers than youths in places with weak bans or without them at all. Moreover, age also plays the role. Bans against smoking are more effective for younger teens. Good news is that 23 states, the District of Columbia and Puerto Rico require restaurants, bars and many other public places, to be smoke free. The more measures will be taken, the healthier and more prosperous our society will be.

My Morning Begins with...

How many of you do morning exercises? It is so cool especially if there is spring outside the window and vacation is coming. My morning begins with simple exercises but during all the day after I feel energy and my mood is singing. Moreover, I begin my morning with my daughter. She even likes to get up earlier, so unusual for her. I think that morning exercise in the form of the game is one of the best methods to wake up your child earlier and make her or him healthier.

How to Be Eligible for Great Credit Cards

Having low credit score, many people only dream of getting one of great credit card deals and don’t even suppose that one more credit card in their wallet can be a good way to better credit history and credit rating improvement. You need only to get a new credit card (or even some cards) and pay it off on time to prove that you are a trustworthy punctual payer. It is not difficult to show that you handle your credit debt wisely. Just do it! As soon as you establish good credit history, top banks will open you doors and you will be eligible for great credit card deals that come with low rates, striking rewards and other alluring options and features.

Strength of Will

Strength of will is one of the most important characters of every person. If you have it, that's great! It means that you are able to move mountains and be a success. People who own the strength of will perform brave deeds and that's a well known fact. Therefore it is necessary to develop this character to be brave, successful and even healthy.

News...and Sentimentality

I am becoming very sentimental. Looking any TV programs or news about problems that relate to boys and girls from children’s home or about those who suffer from any nature cataclysms, every time I gulp down my sob. Certainly, it is evident to sympathize with people who suffer but even some months ago I wasn’t so mawkish. Does it depend on my mood? Or, am I just becoming older realizing in full how awful these problems are? They are not so easy questions to answer!

Double Benefits from AmEx

It is a well known fact that the opportunity to get any rewards and discounts with low efforts always attracts customers. If you are a member of Priority Club and American Express credit cardholder - double rewards guaranteed! You will get the best rewards, lowest costs and the Priority Club Membership privileges. Who doesn’t dream of having so many benefits?
With the help of Priority Club, your American Express plastic will bring you all the best that point rewards, airline card and hotel rewards plastic can offer their holders.

Waking up in Spring

Spring is one of my favorite seasons not only because of the sun shining and birds singing. I enjoy my feelings and emotions. I am like a flower that becomes brighter and more beautiful after the cold weather. Everyday I get up in a good mood (great!!!) and full of energy. My working day is still a working day but people around me are not so sleepy and dissatisfied now. It is so pleasant to see that we wake up after the hibernate.

The Thing that I Have Never Come across

The article The Brave New World of Gender Nonconformity: Pregnant Men opened a number of details about people who are confused about their gender. There are people (and they are around us, be sure!) who were born one sex, and later realized they were the other sex! One of the stories (links given after the article) is about a boy who began his studies in a school for girls. He (or she, I'm not sure) confessed that all his life he has been hating his being a girl and knew he was a boy by nature.
Now he has a girlfriend and is happy with their relationship.
There are quite a number of such people, and they are suffering from misunderstanding, from lack of money (to be operated), from many factors in the society which don't let them be the ones they want to be.

Credit Cards Help Business Ladies

How many business woman do you know? The best friend of mine has her own small company. She is a business woman (sounds great!). It's great but not so easy. Recently I have found credit cards for business women. It was a surprise for me as I always thought that business cards are only for men having no idea about such a wide choice of cards on the market. And I believe these cards can really help to run a business as they offer high credit limits, separate accounts for expenses and certainly rewards for any business purchases.

Time to Relax

Some weeks ago I decided to have a small break and to relax
I didn't go for work, I was alone at home and that was unusual and rather cool. I couldn't remember the time when I can just sit reading a mag, or sleep, or go for a walk without any reasons. Now I am so fresh and energetic after this break. Don't forget to relax and have FREE time without any reasons. It really works.

Credit Report - Mirror of Your Credit Activity

You know for sure that credit report is a mirror of your credit activity. It contains the information about the length of your credit history, the types of credit you used, your personal information and your outstanding debt. The more attractive your credit card report is to the lender, the better credit deal you can make. As for credit score, it is a number that shows how trustworthy as a potential customer you are. If your score is high enough, you can get cards with lowest interest rates, fee free, rewards and other attractive features.
To know for sure that everything with your report is ok before applying for any card, you need to order your credit report and score. Once a year you can do it for free. And of course, it is only in your interest to check your credit score and report at least before you apply for a new credit card or a loan.

New Plans and New Place

My husband decided to change his work because of many reasons. He has already had many offers of a new place and good position. By today he phoned me and shocked – we have to move to another city as his new profitable job is there XXX. (I don't want to call the place as I hope very much that plans will be changed). Only several minutes were enough for me to paint a clear picture. I don't want to go anywhere! Now when my child has her friends in the kindergarten and I have a good job and good colleagues, I need to move. It's injustice!!!

Pros and Cons of Credit Cards

Have you ever weighed the pros and cons of credit cards? They are convenient and easy in use, have various tempting rewards, give a great chance to buy what we need if we can't afford to purchase it –these are advantages.
As for disadvantages, credit cards lead us into temptation to buy everything we like. I believe this is the main disadvantage that usually results in damaged credit history and huge debts. Moreover, credit cards can be easily lost or stolen. Unfortunately, modern thieves are very tricky and use various methods to steal our personal information and use it pro domo sua. So, be prudent!
No doubt, all these disadvantages depend only on us. Therefore we need to be more restrained using our credit cards for making purchases and be more careful to avoid theft. Then there will be only advantages… You may find more detailed information in the article Credit Card Disadvantages.

My Impressions of "I Am Legend"

I watched “I Am Legend” these weekends. It was very interesting tragic blockbuster about one military scientist who stayed alive and continued to live alone trying to survive. It was a hopeless dramatic story with a sad end (the hero died). There were terrifying moments when I even closed my eyes (I am a “coward”) in order not to see this horror. New York was awfully overgrown with grass. Monsters were also terrible. Just imagine, you are a man, the only man on earth, and there are many monsters around. Yikes… All in all, this action-thriller left a positive impression for me and my friends.

Weekends

I am waiting for weekends, first and foremost, to relax. Housekeeping is excluded. I am also going to see my classmates and go to the cinema with friends and my husband. We are planning to watch "I am a legend" with Will Smith. I like this actor and hope that the film will make a positive impression on us.

Instant Approval Credit Cards - Get Immediate Answer

When you apply for a new plastic, evidently you worry about approval and want to get the answer as soon as possible. Certainly, you’ve heard about credit cards with instant approval and even applied for the one. They are convenient and even customers with bad credit will find the one that allows getting the approval within several minutes. Now I’d like only to say that many people are mistaken waiting for a plastic along with the answer. You will get only approval within this short period time.

Drugs and Lottery Ticket

Recently I’ve heard a little bit funny story. One man sold methadone pills illegally and bought a lottery ticket on money earned. He won $1,000! But police decided to confiscate the ticket because a person bought it on money from drug sale.

Sex and Gays

Sex and gays were always among scandalous topics. I was surprised to know that a majority of Britons think that sex before marriage is OK (according to the 24th annual report by the National Centre). Moreover, they feel comfort concerning gay relationships. That’s great!

American Financial Crisis - Expectations

Have you already heard about the recession that is coming? The signs for it are evident as experts say: growth of consumer debt, mortgage crises, stock market fall and so forth. The US is likely to face a crisis on the market of credit deals. Credit card fees may be increased. It will be one of the reasonable ways for credit companies to gain a profit because they offer too many credit cards with no annual fee and rather low penalty fees. Find more in the article Financial Crisis and Credit Cards

Divorce and Its Consequences

Divorce…There are many reasons for it: misunderstandings, hard drinking, unfaithfulness and so forth. Whichever reason could be, if there is a child in the family, he or she will suffer the most. I’ve heard many stories about children after divorce until I saw it actually. When the friend of mine decided to divorce because of misunderstandings she thought about her child and tried to get on with her husband. However, after two years of attempts they had divorced. Fortunately, now they are friends and don’t suffer from suspended relations but their child does. She doesn’t fully understand the deed of her parents and asks many reasonable questions trying to clear up the situation. Poor kids...Why do they always suffer from our mistakes?

Guaranteed Approval for Those with Bad Credit

Many people, possessing bad or no payment history, suppose that they will be rejected applying for a plastic. Some banks really don’t work with those with poor credit. The others let them a helping hand and offer secured cards with guaranteed approval.
Lawrence, a friend of mine, was in the same situation suffering from his damaged credit. But he opened a savings account at the bank and put $300 as a security deposit. And that’s all. Secured credit card was in his hands.
It is similar to unsecured card, but requires making a deposit. And denials are ruled out.

Diets after Holidays

How many of you have been starting a diet after this holiday season? The Flavor Point Diet, the Longevity Diet, the Cheaters Diet ... The variety of diets is amazing nowadays. But do you really think that they really work. Most probably, they have an effect but only a short-term one, I believe. Once I had tried a cabbage diet and was surprised by the result. I had lost 3 kg for two weeks. As soon as I finished the diet, 3 kg was mine again. Only regular sport and, such called, eutrophy are effective for your body and health.

The Happiest Holiday Season

Holiday season is over. Summarizing this time I can say that two of my wishes made on Christmas have already come true. I am so happy! I met all the nearest of mine and got too many unexpected gifts. I spent all my free time with my husband and child. We were skating, skiing, playing bowling…and so on and so forth. It was the happiest holiday season in my life!

Small Tips for Those Who Are Going Somewhere Abroad

Going somewhere abroad, not only this holiday season, we all take credit cards to enjoy their convenience and reliability. These small tips will help you to spend your vacation in a good mood.
1. Make sure whether your card is acceptable at that particular place or not. If yes…
2. Check the expiration date of your credit card and its limit.
3. Inform your bank that you are going to travel. If you use your plastic, say, in Spain, the bank may suppose that your card is used by another person and take necessary measures to protect your account.
4. Keep the number of your credit account in a reliable place, e.g. safe, while you are away.
5. Going shopping, hide your plastics thoroughly to avoid theft that happens not only in the US.