Year Round Articles

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Create A Garden And Patio Design To Enjoy Year-Round
Retreat to a garden and patio design that's beautiful year-round, and takes minimum fuss. What makes this possible? Carefree plants with continuous blooms, and a well-planned garden structure.You don't need to be a lawn and garden expert or landscape designer to do this. Here are a few tips for creating a super yet simple garden and patio design that will be a knockout!The first step is to take a birds-eye view of your garden and patio area. Ma...

Colorado Camping: The Perfect Destination Year Round
The diversity of Colorado promises plenty of outdoor fun and relaxation whether it?s cold and snowy or in the heat of summer. From snowmobiling and skiing to hiking and horseback riding, Colorado promises year round fun for any nature lover. Camping in Colorado is just as diverse. There are 41 Colorado state parks, 15 national parks and recreation areas within the state, and more than 100 other public campgrounds managed by the USDA Forest Service,...

Fight Night Round 3 For The Xbox 360
EA Sport's Fight Night Round 3 is hands down the greatest boxing game ever. EA's King of the Ring series that was before Fight Night series tended to be a disappointment every year. Fight Night 3 is the culmination of the corrections made to the earlier Fight Night games. The graphics are amazing up to the point where you can see beads of sweat dripping off the guys foreheads. It also has realistic facial damage that you can see during the corner ...

30 Year vs. 15 Year Mortgages
Discussions of mortgages often focus on interest rates, but there is a much more basic decision to make. Should you go with a 30 year mortgage term or a 15 year mortgage term?30 Year vs. 15 Year MortgagesAny discussion of mortgages tends to turn on two points. How can you qualify for the most money with the lowest payment? How can you get the lowest interest rate for the mortgage? While these are two important issues, there is an addition one t...

Second Round has been Completely Unpredictable
The second round of the 2006 NBA Playoffs has been all it was hyped to be. With the exception of the Miami vs. New Jersey series, all the games have been very close. Upsets have been scattered throughout this round, and Lebron has stepped up big time. One of the biggest surprises has the defending champions on the ropes and clinging to their playoff lives. If you picked your teams wisely, you could have taken your sportsbook to the cleaners th...

Round?em Up! Take The Family On A Modern-Day Cattle Drive Vacation
Looking for a rewarding and memorable family vacation idea? A cattle drive may be just the thing. We?re talking about real ranchers on real working cattle ranches. Ranch vacations are a good way for them to help support the ranch. But it?s not all business with them. They want to share their way of life and educate people about a quickly disappearing aspect of our American history and culture.Don?t worry if you?ve never sat in a saddle before. Su...

Instant Personal Loans: Swift Service? Round The Clock
It is a common belief among the borrower that availing a loan is a time consuming matter as lots of formalities are required to be executed. But if you need urgent cash at that time when you are short of it, then what will you do? Is there any solution? Yes, there is a solution of instant cash and that is instant personal loans- instantly approved, available easily.Instant Personal Loans are especially meant for serving the urgent cash need. Thes...

Make A Weight-Loss New Year?s Resolution And Stick With It All Year Long
Losing weight is one of the most popular New Year?s resolutions each year. We all start with great intentions but after a few weeks, we fall back into our usual unhealthy lifestyle and the weight we did lose creeps back on. Let?s take a look at what steps to take to make sure we still stick to our weight-loss resolution at the end of December. Determine your ?Why? and write it down.Think about the reason why you want to loose weight. Is it to l...

Best Year: The Year I Homeschooled My Child!
Parents are very excited when their children are old enough to get started in the learning stage level one. They are just too excited to play dough alphabet and clay with their 3-4 aged kids, flashcards with colorful drawings, number blocks, dress up in costumes and plant trees in the backyard with kids and other activities. Homeschool helps parents to spend time with their kids in the early stages of learning. But one thing they always forget be...

Two Choices That can Make Next Year The Best Year of Your Life
What if there were just two choices you could make to insure that next year would be wonderful? There actually are, and these choices are quite simple in concept, yet not easy to do. They are not things you do on the outside, such as exercising your body (which is always a good thing to do!) but ways of thinking and being on the inside. These have to do with your attitude and your intent.GRATITUDEI?m sure you?ve all heard of the ?attitude of gr...

Snapshot of 2006-07 School Year for the Los Angeles Schools
The 2006-07 school year for the Los Angeles schools is still burdened with many of the same overcrowding problems and busing issues of the past; however, improvements are being made and the future is looking brighter.The $19.2 billion school construction program has provided 12 new Los Angeles schools with 9,300 students attending and will surely alleviate some of the current overcrowding. The program, however, will not be completed until 201...

Is a Fifteen Year Mortgage a Good Bet?
A fifteen year mortgage is a great bet, if you?re inclined to gamble on a couple of things. The first, obviously, is that you?re betting on your ability to pay the higher mortgage rate over the long haul. If you have your own business, you have control over your employment situation. Then the question turns to whether your business or your career has the legs to be as successful for the next fifteen years as it is now. Are you in a cyclical busines...

The New 50 Year Mortgage
Just a few short years ago, many people were amazed by the prospect of a 40 year mortgage. While 30 year mortgages had dominated the market for decades, the idea of being able to spread out your mortgage payments over forty years was just almost too much to comprehend. Now, there is the new 50 year mortgage and if the 40 year mortgage took the finance world by storm the 50 year mortgage is leaving many people speechless. But, is a half century mo...

Compare Fixed Rate Mortgages And Find Out About 50 Year Mortgages
If you plan on staying in your home for 10 or more years and want your mortgage payments to stay at one stable rate, you should consider a fixed rate mortgage. Available for 10, 15, and 30 years, fixed rate mortgages give you the comfort of knowing your monthly payments will never increase. This is especially advantageous when interest rates are low ? you?ll lock in the current rate for the duration of your loan, whether it?s 10, 15, or 30 years, s...

Interest-Only Or 50 Year Mortgages - Do They Really Make Sense?
With hotspots like Las Vegas, much of California and Florida still enjoying a good real estate market, many banks and mortgage companies are now spreading out payments over 50 years to make them more affordable. Prior to these 50-year mortgages, interest-only mortgages were promoted and sold as the way to go. The real question here is which is better?Let?s first digress on what an interest-only mortgage is. Interest-only home loans or mortgages a...

Who Made The First New Year's Resolution?
What is it that makes people stay up until the wee hours of the morning one night out of the year? My primary objective in life is not to see how late I can stay up, but getting up in the morning.If I can get up each morning, it is a major accomplishment that I should celebrate with eggs, bacon and a hot cup of coffee ? which is about all the celebrating I can handle.I?m not anxious to see someone drop the ball on New Year?s Eve. I do enough of...

Setting Personal Objectives For The New Year
The end of one year and the start of another brings with it the opportunity and inspiration, for many, to consider their personal situation and plan for the year ahead. We all hope that we will end the New Year better off in our personal lives than we start it. By ?better off? we may mean financially, in terms of happiness and relationships, in our careers and lifestyles; in fact, in any aspect of our lives.If we start the year with a positive in...

Creating the Best Year of Your Life
At the end of each year, and on their birthdays, many people take time to reflect and look ahead. If you're one of these people, or if you would like to start getting the benefits from a little self reflection, then I have some great questions for you.These questions can be looked at once a year, once a month or whenever you're looking for some direction in your life. I invite you to take a good hard look at your life more than once a year. You'l...

Dear Expats - Are You Ready To Take Up The Challenge For The New Year?
It is that time of year again. Xmas is just around the corner and then a week later we will be toasting in the New Year. Streets, offices, and coffees shops are already buzzing with all the talk of the resolutions we plan to start on New Year?s Day. However, more often than not, the 1st of the year rolls around and we are still too full of the joys of the season to bother with our resolutions, but we resolve to start our plans in the new week. Unfo...

5 Simple Steps to make 2006 the Best Year Ever!!!
So how was your 2005? Was it by far the best year of your life? I mean over the top, you can?t wait for more? If you are like most people, you probably answered no. If you had the choice of spending the same 365 days and just surviving it or having the best year of your life, which would you choose? Of course you would choose the best year of your life! You know what you would prefer, you always get the same 365 days each year, so what is getting i...

New Year Resolutions - Do They Really Work?
Do you remember that feeling at the beginning of a new school year starting with brand new school supplies? That sense of freshness and new beginnings as you open up the first page of an untouched notebook and hold a new sharp pointed pencil poised to make the first mark? Usually the first few pages of my notebook would have my best neatest writing, which then deteriorated as the time went on. My desire to do my best, reaching for higher standards ...

Money At Christmas - Surviving The Festive Period Without A New Year Financial Hangover
Money always seems to be tight. Every year at Christmas the financial situation always seems to get worse. Increased electricity and heating bills to pay, expensive party food to purchase, presents to buy, travel costs to visit relatives, the list seems to be endless, while finances are certainly not. It is the season to be jolly, whilst trying to forget the long-term costs which will emerge in the New Year.What can be done to reduce the New Year...

You And The 30 Year Home Loans
In this article, we will discuss why this subject is so important and how you can benefit from this information.It used to be the first choice of most borrowers, because since the total payments are spread over a longer period of time with the interest rate set for the entire time of the mortgage. 30 year home loan rates are an industry standard but is it the right choice for you?As we mentioned, the plus side for a 30 year home loan is lower m...

Is Getting a 30 Year Home Loan a Good Choice?
Getting a 30 year home loan used to be a popular choice among most home owners. The reason being the total home loan payment is being spread out across a longer time period so you can pay less each month. Plus with interest rates fixed for the 30-year period, it seems a good deal. Or is it?The one big benefit of a 30-year home loan is that you pay lower monthly payments however, you need to take into consideration that you actually pay more in in...

Cement Home Ownership With 30-year Mortgage Rates
A house is made of walls and beams, while a home is built with love and dreams. Both house and home have one ingredient in common, however, and that is mortgage. If your house is the substance your dreams are made of, mortgage payments may be fodder for several nights' worth of nightmares.Loan TermIn home loan lending, loan term refers to the period over which you must make payments. Different loans have different terms. The safest term to go f...

Cruise Into the New Year on a Memorable Yacht with All of Your Friends
The arrival of a new year always inspires optimism and excitement. The struggles or concerns of the previous year can be washed away and hope can be renewed as the calendar turns and all dreams become possible once more. One reason New Year's Eve is such an endearing holiday is that there is a sense of fellowship and belief in the air, the idea that one journey is over and an exciting new one is set to begin.Don't leave such a crucial day of the ...

New Year - New Diet - New You?
Are you about to make yet another new year?s resolution, as you see out the old year, along with it?s broken promises and failed, good intentions?Fresh with new-found conviction, after the gross excesses of the Christmas period and our usual failure to control ourselves, we arrive at the new year?s resolution, an annual triumph of hope over reality!Hope, that this time you will have the single mindedness to succeed, where last time you failed. ...

4-year Colleges vs. Technical Schools: Your Choice
College is not for everyone, but that does not mean you shouldn?t pursue some sort of higher education or job training. When you think about your future, what do you envision? Are you doing something you love, or are you just working for a paycheck? If you are one of the many who is trying to make a decision about where to spend your money and invest your future, read on. This article provides a comparison of 4 year colleges and technical schools...

Add Significance to Your New Year's Resolutions
The start of a new year is traditionally a time to reflect on the previous year. It is also a time to establish new resolutions. Popular resolutions include losing weight, getting more fit, getting out of debt, and making more money. Giving to others tends to be forgotten when creating resolutions. However, their impact on you and others can be more significant than pursuing the more common resolutions.What are some resolutions related to givin...

Mortgage rates are lower than last year and may help you
Mortgage rates are expected to keep dropping in anticipation of the Federal Reserve meeting in the last week of April, as a result of extremely low builder and buyer confidence in the market, and extremely weak housing starts. Everyone is betting that rates will be cut- yet again. This could be good news for people being squeezed by large mortgage payments looking to refinance, or for families who want to reduce their long term interest burden by m...

Gap Year Travel Insurance help!
Taking a year out to go traveling? Make sure you have organised a travel insurance policy before you travel, the last thing you need is to spend all your hard saved money on unnecessary bills like medical expenses.With no travel insurance such as a huge amount could mean having to re-mortgage or worse sell a house to cover the costs. Just a broken leg or some sickness abroad can cost a huge amount as medical expense. Roughly around £10,000 ...

New Year?s Diet Resolution Tips
For many people, the coming New Year will involve resolutions to get on a diet and lose weight. While slimming down is one of the most popular New Year?s resolutions, it is often easier said than done. Making the switch from the calorie and fat laden temptations that lure us during the six week long holiday fest can be quite difficult. If you?re planning to start your new year off with a pledge to lose weight, keep these tips in mind to help you ea...

Mother?s Day Gift Ideas; ones that keep giving?all Year Long!
This year on Mother?s Day why not give your mother a ?year long gift;? one that arrives every month? Not only will you be her shining star on Mother?s Day, but other gift-giving occasions will be covered, as well. A Year of Reading PleasurePresent your mother with a magazine subscription, one that fits her special interests. She will think about you each time a new issue arrives! Top publications for women include:> O, the Oprah Magazine (wom...

Is The 50-Year Mortgage For You?
During the past few weeks several mortgage lenders have announced that they will now offer 50-year mortgages. This is a curious idea, but not as curious as it could be: At the height of the real estate boom in Japan some homes were financed with 100-year mortgages. The 30-year mortgage that is now the gold standard of American home finance was once virtually unknown. In the early part of the 20th century most mortgages in the U.S. were "term" loa...

College Plans Begin For Many Students In Their Sophomore Year In The Dallas Scho
For many students in the Dallas schools, the start of their sophomore year means looking at their future plans. The Highland Park High School within the Dallas schools system, for example, began mandatory counseling sessions for all sophomores this year. Though only a few students within the Dallas schools are required to attend such guidance sessions, University High School in Irvine has had these mandatory sessions for nearly 30 years. Many schoo...

College Plans Begin For Many Students In Their Sophomore Year In The Dallas Schools
For many students in the Dallas schools, the start of their sophomore year means looking at their future plans. The Highland Park High School within the Dallas schools system, for example, began mandatory counseling sessions for all sophomores this year. Though only a few students within the Dallas schools are required to attend such guidance sessions, University High School in Irvine has had these mandatory sessions for nearly 30 years. Many schoo...

New Year Goals
Think back to the beginning of 2005. Like most, you started the new year with many goals. What goals did you set? Maybe 2005 was the year you were going to lose weight, get a better job, make more money, meet someone or quit smoking.How did it go?2005 has come to an end. How many of those goals did you accomplish? It?s ok to admit that you didn?t accomplish what you thought you would or even worse, what you knew you could have. Recognition is t...

Year End Investment Ideas and Tax Strategies
First thing Monday morning I'm going to march into my boss's office and demand a pay cut so that I'll be in a lower tax bracket next year. Of course that's ridiculous, but isn't it about the same as the financial community's "Conventional Wisdom" (CW) for year-end tax planning? What about the long-term nature of investing, or the merits of that investment they felt so strongly about in July? What are their motivations, and what discipline though...

Happy New Year - Dare To Live Your Life To The Fullest
How have you lived your life until now? Have you lived very safely and in a structured way? Do you do what you are ?supposed? to do, go to your job, take care of your friends and families, support those around us and all the while put your desires on the back burner to be taken up for when the time is ?right?. Your busy routine continues day in and day out. You trade self-fulfillment for ?security? and ignore that persistent voice inside of you tha...

Benefits Of Current 30 Year Mortgage Rates
Despite some ?softening? of the housing market in recent months, there are still a number of compelling reasons to take advantage of current 30 year mortgage rates with a new home loan. Whether you are a first-time buyer or considering refinancing or applying for a home equity loan, you can reap major benefits like a low fixed rate, affordable monthly payments, and access to cash from your home?s equity. With some online research, you could find a ...

Make 2006 Your Most Profitable Year Ever: 5 Crucial Steps for Every Entrepreneur
Many of us maintain the tradition of making New Year's resolutions for our personal lives. The New Year has just as special significance for our businesses too.Whether you're an experienced business owner or are just starting out (or thinking about starting a business), there are 5 crucial steps you need to take at the beginning of the year to assure the 2006 is your most prosperous year ever.1. If you have not done so yet, take advantage of th...

It's a Taxing Time of Year
Yes, that's right, it's that time of year nobody loves - tax time! No, this is not too early to think about it, especially if you have money coming to you. All right, so it's not fun to think about doing your taxes. But there is a distinct advantage to getting an early start - it's a reminder to be more organized in this regard in the year to come. Make this as pleasant as possible next year. Now, if you and your spouse each have jobs rather th...

The 46 Year Old Domain Virgin!
A very successful entrepreneur recently gave me an article from Business 2.0 talking about Domaining. As many of you know, I invest in oil wells and other things that give me passive income. When I wrapped my mind around the concept of domaining and domain monetization, I have to admit I got pretty excited.I always thought domaining was simply speculating on domain names, I never really understood google adsense or those parking sites with all th...

The Legend of Chinese New Year's Monster Nian
An ancient Chinese legend tells of a man-eating predatory beast called Nian, extremely fierce, with a long head and sharp horn. Nian dwelled deep in the sea the whole year long, but on every Chinese New Year's Eve it would climb onto the shore to devour livestock and harm humans in a near-by village. Therefore, every Chinese New Year's Eve, all the villagers would take their old and young deep into the mountains to hide from Nian.One Chinese New ...

Gap Year in Italy, the ideal program to study abroad in Italy
Once again, Scuola Leonardo da Vinci, one of Italy's largest provider of in-country Italian courses in Italy, is announcing the new programs for the year 2006 presenting innovative plans to promote the learning of the Italian language. Now, universities, colleges, community colleges, high schools and students worldwide are invited to read about our wide choice of Italian language and cultural courses.This year following the great success of the i...

Nintendo Wii - Has Just Completed One Year
Can you believe that it's already been a whole entire year since the Nintendo Wii was released? In fact, at the time of this writing, it has now been officially more than one year! Feels like just yesterday, doesn't it? Although the Wii has been out for more than a year, it doesn't officially make it the oldest "next-gen" system. That spot actually belongs to the Xbox 360, which in comparison, is over two years old. The incredible thing about the N...

Mortgages Are For Life - The 52 Year Mortgage Is Here
The old days of mortgages lasting for 25 years are on their way out as lenders react to rising house prices and the squeeze on borrowers.Until recently you had no choice about how long you had a mortgage for. You paid it back in 25 years or else. However our research shows the market has changed dramatically.Now more than a third of mortgage lenders will offer terms of 40 years or more. Some will even lend for as long as 52 years. Put simply th...

Ten Things to Do Before Year End
We attach significance to the turning of the calendar, and when the calendar turns to a new year, it means more than learning to change a digit when we write a check ? we?ve started a new chapter.It is instructive for us to think about how we can get the most from the end of chapter 2005. Here are my ten recommendations for you:Reconnect with an old friend or colleague. You know who I mean. The person who came to your mind as you read that sen...

How do I deduct points on 30 year mortgage?
In certain cases, the amount of interest that an individual pays up front on their home loan or other form of mortgage is known as 'points' in relation to the mortgage. Since the interest of a mortgage is tax deductible up to a certain amount each year, individuals need to be aware of their points and how they can go about deducting points on their taxes in relation to their mortgage. Since this process of paying interest up front typically lowers ...

Online casino games: results of year 2007. Part two.
But the sites which still accept players from the USA have, certainly, shown growth. Thus, on the very eve of the New Year 2008 PokerStars announced about achievement of 150 000 poker players simultaneously, but still these growth rates are not more than 50 percent per year. Curiously enough, the slowdown of online poker room players was also very noticeable offline. For the first time over many years at the main WSOP tournament there were fewer ...

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