Bigger Body muscle bars

Here is how to eat your way top massive gains

Commercial Calorie bars are not new and they are not cheap, a good bar will cost you $2-$3 dollars a bar and I personally don't think they are worth the money… for that kind of investment I would purchase a good and proven weight gainer

But for those of us who want mass, and are always looking at the mirror to see gains I have a great solution...Make your own MUSCLE BARS.

Before I go on, I want to state some rather obvious facts: FACT NUMBER ONE - if you want to gain mass at an accelerated pace...EAT FAT! Yes don't avoid fat, fat is essential in the mass gaining process, dietary fats play a essential role in muscle building hormone production which ARE the Keys to outstanding muscle growth.

I have never known any one to gain mass on a low fat diet, it just will
Not happen and let me tell you, if you are getting fat on a high calorie diet, I would not accuse your fat intake, no! Rather I would accuse the simple sugars in your diet. Also a low fat diet will lower your testosterone levels, something you want to avoid when you are trying to gain weight...

also you should Know that it is far easier to lose weight or fat if you first gain muscle mass(with some fat)first then try to lose the fat before trying to build muscle mass…this is true even if you are obese

my overweight clients, I first get the to build muscle before trying to lose fat...it way easier since muscle tends to increase your metabolism on a permanent basis, making you a fat burning machine. However not all fats are created equal, you want to avoid the saturated kind (as found in animals) and consume
The essential fatty acids...EFA's fats are energy and your body will burn it if you train correctly as espoused in the fastmuscles growth system...http://www.fastmuscles.com

The recipe that follows is simple to make and it will provide you with several days’ worth of weight gain dense snacks...
The next time you are heading out to your workouts; consume one of these babies and watch the energy boost. And you will not have to resort to the use of candy bars or some unhealthy snack

1/2 cup butter
1 cup apple juice concentrates (the frozen kind)
1 teaspoon vanilla
3 whole eggs
2 cups whole wheat flour
1 cup raw wheat germ
1/2 teaspoon baking powder
1/2 teaspoon baking soda
1 cup sunflower seeds
1 cup pecans
1 cup raisins
1 cup chopped dates

Preheat the oven to 350 degrees; blend the butter, eggs, apple juice
And vanilla together, sift together with flour, wheat germ, baking soda and baking powder then add them to mixture.
Add the rest of the ingredients, mix well and press into an oblong glass pan than you have buttered and floured, now bake until the top is golden brown-about 30 minutes, refrigerate to keep fresh
You will get 12 bars out of these and each one gives you
561 calories 30 grams of fat, carbohydrates 51 grams, 12 grams of protein...
And cost you less than a dollar each....
If you want to increase the portion value, include two scoops of massive growth

Hope you enjoyed this article...

A Season of Depression

Don't be surprised when some of your friends seem to be grumpy or irritable these past few days. We are now on the tail-end of the four-month long winter season. From the months of November to February, the days are shorter and colder, and the nights longer and darker. As the climate changes, many people actually tend to feel gloomy and miserable. Such mood disorder is known as winter depression, or Seasonal Affective Disorder (SAD).

Based on statistics released by the SAD Association, 500,000 people in the United Kingdom had experienced some form of winter depression, while doctors have estimated that 20% of the population, or almost 2 million people are affected by the disorder in Sweden.

Norman E. Rosenthal is the US doctor who coined the term SAD in 1984. Winter depression has a sound medical basis that involves changes in the body's mood centers brought on by shorter daylight hours and a lack of sunlight. Most people suffering from this depressive illness experience a sense of utter isolation and loneliness. The only consolation is the fact that many people go through the same grumpiness during this time of the year. It provides a sense of comfort and assurance that sufferers are not alone.

Light therapy, one of the most effective and clinically proven treatments for SAD, has been shown to benefit some 80-85 percent of SAD cases. It may sound very simple but the process involves more than just turning on a light and sitting beside it while twiddling your thumbs as you wait for that renewed energy to power up your whole well-being.

The average domestic or office light emits a paltry 200-500 lux (a lux is a unit of illuminance) whereas a minimum of 2,500 lux is required to alleviate the symptoms of SAD. In comparison, a clear summer's day can reach an intensity of 100,000 lux.

Using these measurements as basis, a number of specially designed light boxes have been invented that emit precisely the right amount of illumination. Symptoms of SAD gradually subside by sitting in front of one for about 30 minutes to several hours, depending on the severity of the condition.

When it comes to treatment of SAD symptoms, light therapy could be the best approach to consider. But to those with severe symptoms, addressing the root causes of the condition may involve the use of both anti-depressant drugs and psychotherapy treatments.

According to statistics, the incidence of SAD increases dramatically as you go 30 degrees of latitude further north or south, while the condition is virtually unheard of in the tropics. A movement or vacation trip to countries near the equator may sound impractical but can definitely improve ones mood and well-being.
When you watch movies that feature warm, sunny, summery climates, marked improvements in mood are demonstrated. Any film with clear blue cloudless skies, palm trees, and an absence of snow may qualify for a movie therapy.

Watching outdoor sports like cricket or golf may produce the same mood-enhancing effect. On the contrary, overexposure to snooker, darts and indoor bowling has been found to bring on a state of depression and trance-like catatonia that, in severe cases, culminates in complete mental health breakdown.

Your 7 days program to self-improvement

I seem to lost count on how many times I've read and heard of celebrity marriages failing almost left and right. Not that I care (and personally I don't), it seems strange that we often see movie and TV stars as flawless people, living the fairytale life of riches and glamour. I suppose we all have to stop sticking our heads in the clouds and face reality.

There are many ways to lose your sense of self-esteem despite of how trivial it could get. But whatever happens, we should all try not to lose our own sense of self.

So what does it take to be a cut above the rest? Here are some of the things you can think and improve on that should be enough for a week.

1. Know your purpose
Are you wandering through life with little direction - hoping that you'll find happiness, health and prosperity? Identify your life purpose or mission statement and you will have your own unique compass that will lead you to your truth north every time.

This may seem tricky at first when you see yourself to be in a tight or even dead end. But there's always that little loophole to turn things around and you can make a big difference to yourself.

2. Know your values
What do you value most? Make a list of your top 5 values. Some examples are security, freedom, family, spiritual development, learning. As you set your goals for 2005 - check your goals against your values. If the goal doesn't align with any of your top five values - you may want to reconsider it or revise it.

The number shouldn't discourage you, instead it should motivate you to do more than you can ever dreamed of.

3. Know your needs
Unmet needs can keep you from living authentically. Take care of yourself. Do you have a need to be acknowledged, to be right, to be in control, to be loved? There are so many people who lived their lives without realizing their dreams and most of them end up being stressed or even depressed for that matter. List your top four needs and get them met before it's too late!

4. Know your passions
You know who you are and what you truly enjoy in life. Obstacles like doubt and lack of enthusiasm will only hinder you, but will not derail your chance to become the person you ought to be. Express yourself and honor the people who has inspired you to become the very person you wanted to be.

5. Live from the inside out
Increase your awareness of your inner wisdom by regularly reflecting in silence. Commune with nature. Breathe deeply to quiet your distracted mind. For most of us city slickers it's hard to even find the peace and quiet we want even in our own home. In my case I often just sit in a dimly lit room and play some classical music. There's sound, yes, but music does soothe the savage beast.

6. Honor your strengths
What are your positive traits? What special talents do you have? List three - if you get stuck, ask those closest to you to help identify these. Are you imaginative, witty, good with your hands? Find ways to express your authentic self through your strengths. You can increase your self-confidence when you can share what you know to others.

7. Serve others
When you live authentically, you may find that you develop an interconnected sense of being. When you are true to who you are, living your purpose and giving of your talents to the world around you, you give back in service what you came to share with others -your spirit - your essence. The rewards for sharing your gift with those close to you is indeed rewarding, much more if it were to be the eyes of a stranger who can appreciate what you have done to them.

Self-improvement is indeed one type of work that is worth it. It shouldn't always be within the confines of an office building, or maybe in the four corners of your own room. The difference lies within ourselves and how much we want to change for the better.

Problems With Dating

Most dating problems occur because either the two of
you are not compatible or you are not communicating
enough. Other problems may be because the two of you
just are not right for each other.

Communication is the most important thing when you are
dating. Most problems occur because the two of you are
having difficulty expressing your feelings or you
aren’t being clear about what you want.

When you both communicate with each other properly it
is clear to both of you if you are compatible and have
the same likes and dislikes.

You cannot force a relationship if the two of you are
too different or you have different goals for the
relationship.

It is important to communicate about what you need and
want from your relationship so you both are satisfied
and you are not having disagreements about things.

Another thing that can cause problems with dating is
if the two of you are not compatible. Communicating
properly will tell you if you are or not.

Compatibility can be difficult if one person in the
relationship is needier than the other person. If one
of the people wants their space and the other is very
needy then it can make it difficult for dating.

Dating problems occur when communication skills are
not up to par. You have to be comfortable with the
person you are with so you can talk to them.

Being comfortable and being able to communicate will
show you how compatible the two of you are. If you
don’t have these two things then you might just
consider a good friendship.

Speed Dating

Speed dating occurs when people go to a speed dating
place looking for someone who might be a good match
for them. This includes a very quick meeting with many
different people and you see if there is someone there
who you might be compatible with.

Speed dating is when many women and men sit at tables.
A woman and a man will sit at each table for a
specified period of time. It may be two minutes or ten
minutes depending on the speed dating place you are
at.

During this period of time, the two will ask each
other questions and get to know a little about each
other. They have the opportunity to quickly get a run
down on each person and decide if they are someone
they might be interested in getting to know a little
better after.

When the time is up then the women or the men will
move to the next table and talk to another person.

After each of the couples have met and spoke to each
other they will give the numbers of the people or say
which people they are interested in. If both people
show an interest then they have the opportunity to
communicate and go out together.

During the speed dating process while couples are at
the table they may exchange information with each
other also, if they hit it off right away.

Speed dating is not for everyone but some people
really like meeting new people and finding a date this
way. Many people like this method because they get to
meet the people in person and talk with them rather
than online or by going on a blind date.

It is said that if there is chemistry between the two
people then it is immediately recognized during a
speed dating session.

Virtual Dating

Virtual dating is a common method of dating with
people who are wired in the technology realm. This
method of dating is a system for finding possible
dates or people who you might be interested in dating.

Virtual dating uses a combined method of playing video
games and dating. People will create what is known as
avatars that are virtual figures of themselves. They
will spend time in a video game virtual world and meet
other people over the computer.

This virtual dating method allows people to talk to
potential dates through conversation and interact with
each other through a video game method.

If they decide they want to have an actual
relationship with the other person then they will move
to the next step in actually meeting by exchanging
phone numbers or setting up a location to meet.

Millions of people practice virtual dating today and
it is a preferred method by many. These people who use
these systems are usually into science fiction and
they are very good with technology.

The technology and the use of the virtual dating
system shows people using this system of dating that
they have something in common.

However, with the allowed interaction and the play
through the video game method allows people to
interact in a virtual way with people too. This can
show someone’s intellectual side, education, and more
when they work through the virtual dating systems.

Virtual dating is a common method today used by people
to meet new people and find potential candidates for
pursuing a relationship with. It is a fun way to meet
new people and allow them to get to know you without
actually meeting them until you are comfortable.

Home Loan Interest Rate

A home loan is the security for the repayment of a debt, such as the one incurred upon the purchase of that home, whereas mortgage means a loan secured by a real property. In other words it is a loan on a property that has been taken as security by the lender against the loan. Home loan interest rate is the financial charge for availing the authorization of using the future capital. Sometimes this interest rate becomes one of the very important factors that you must think before applying for any loan.


You can get a lower home loan interest rate if you constantly keep an eye on the various updates of the banks. In order to carry on with the market competition and to expand their business, the banks often try to offer the lowest interest rate and hence you will be getting better values. If you go back less than a decade ago, you will find that the bank used to enjoy more benefit over their customers because majority of the clients lacked what we call bargaining power; this is because there was less competition. With the gradual passage of time many banks came into existence that started offering lower home loan interest rate and the previous situation reciprocated and now the customers have started enjoying more power.


The credit card report in certain cases also acts as an important factor in determining your home loan interest rate. A credit card report contains information about the form of credit you have obtained, bankruptcies, history of bill payment, and court history at each and every phase of your life. Not only this, each time a creditor's admittance is also noted down in your credit card report.


The various reasons for which a creditor will access your credit report are for home loans, personal loans or credit cards etc. One thing you must keep in mind that a creditor only will be allowed to access your credit report with permission only. This factor is important because what happens is, if in a short period of time quite a lot of lenders have accessed your credit report then either the lenders will deny your loan applications or you may get a higher interest rate offer.    

       

The type of occupancy determines the home loan interest rate because if the loan is meant for the home, where you will be living in for full time, part time or rent affects. In general those who live in their homes for a longer duration enjoy the best rates. Just like when you buy something in bulk, you get to pay for the reduced price; this same thing also takes place if you borrow larger sums of money. It may help you to land up with a discounted interest rate.

Sometimes the business costs also decides this interest rates. Like different states have different business costs owing to their respective rules and regulations. For the lenders they pass or add this cost to you in the form of interest rates. Hence, fluctuating cost means fluctuating interest rates.

The Important Role Of Brokers

Brokers are professionals who play an important role in mediating between a lender and a borrower. Brokers collect personal information about the client for the lender including employment and medical history. They also provide the clients' financial and credit information to the lender.

There are many different types of brokers. Below are the more sought-after brokers:

Mortgage broker: mortgage brokers guide customers through the process of selecting a suitable mortgage package with competitive package offers. They also offer financial advice on mortgage and property. Their job is to find a mortgage package that meets the borrower's needs, and to help the client process and complete their mortgage application form. In the United States, mortgage brokers negotiate over 80% of home loans issued. Banks go through brokers to effectively outsource the job of finding and qualifying borrowers.

Real estate broker: real estate brokers finds buyers for those wanting to sell real estate and finds sellers for those wanting to buy real estate. Real estate brokers help sellers market their property and sell it for the highest possible price; they also help buyers purchase property for the best possible price. Once the broker successfully finds a buyer, the real estate broker receives a commission for his or her service. In the U.S. a 6% commission is usually the case for residential real estate and is usually paid by the seller. This is generally split 50/50 between the listing agent and the selling agent.

Forex broker: forex brokers are firms or individuals, who assist individuals or firms to trade in the foreign exchange market. Forex brokers make money from pip or "spread." A spread is the minimum price increase in currency. For instance, in Euro/US Dollar, a shift from 0.9007 to 0.9008 is one spread. In US Dollar/Japanese Yen, a shift from 127.40 to 127.41 is one spread.

Stockbroker: a stockbroker is a person or company who buys and sells stocks on behalf of another person or company, and tries to match up buyers and sellers. Many people seek the advice of and pay for the services of a stockbroker to help them in making informed decisions about their finances with the knowledgeable and interactive guidance of a licensed stockbroker.

Insurance broker: insurance brokers source contracts of insurance on behalf of their customers. An insurance broker will help you to choose the best to fit your needs.

An investor looking for an investment avenue will benefit greatly from using a broker, as brokers tend to be more up-to-date with trends and happenings in the market. Also as per law the broker has a fiduciary duty to advise the customer in the customer's best interest.

The Human Side: Debt Stress

In all the technical discussion you hear about credit card debt, the best ways to manage it and pay it off and all the rest, one thing goes largely ignored. Credit card debt is extremely stressful, and can have a very negative effect on your life, if you let it. It’s as bad as an addiction, always hanging over you, bringing you down, making it hard to life your life the way you want to. In this article, we’ll take a look at how you can recognise debt stress, and what you can do about it.

The Symptoms of Debt Stress.

There are an awful lot of symptoms that can be caused by stress. Some of the most common ones are: headaches, not being able to sleep, feeling depressed and irritable, and being forgetful and unable to concentrate on what you’re doing. If you’re not sure whether your symptoms are related to stress or something else, you should go and see a doctor.

Who Gets It?

Almost everyone who has debts is stressed about them. Debt is blamed for millions of days off work every year, and is one of the leading causes of suicide – it seems like most times you read about someone who has committed suicide, their name is followed by “who owed [a very large amount] in debts”. Students and graduates are especially vulnerable, as debt is growing amongst them faster than in any other group.

The average adult owes many thousands in debts – and since that’s the average, it means that many people must owe much more. Never forget that you’re not alone, and there’s always someone worse off than you.

How to Deal With It.

Stress caused by debts is often considered to be embarrassing, or shameful. People with lots of debts don’t want to talk about it, even with their family, for fear of upsetting people or looking like a failure. It is very important, though, that you do talk about your problems, as keeping it all inside yourself will make you much, much more stressed. It is especially important that you talk to your partner – they are the number one person who can support you.

The best thing to do then is to find two people: one who can advise you, and one who can be a counsellor. That means a professional who knows what they’re doing in financial matters, as well as a psychologist or psychiatrist, or some other kind of counsellor. Don’t let stigmas put you off – this is about your health.

The next thing to do is to have a good think about how you got that debt to begin with. See if you can find old credit card statements. What did you spend the money on? You need to sit down, work out a budget, cut unnecessary expenses and try to free up as much money as you can to pay back debts. Even if it’ll be a long time before you get everything paid off, knowing that your debt is gradually going downwards can be an excellent cure for debt stress.

A Brain Teaser Called Sudoku Puzzles

Sudoku Puzzles

sudoku puzzles are brain teasers that have also been called wordless crossword puzzles. Sudoku Puzzles are often solved through lateral thinking and have been making a large impact all across the world.

Also known as Number Place, Sudoku puzzles are actually logic-based placement puzzles. The object of the game is to enter a numerical digit from 1 through 9 in each cell that is found on a 9 x 9 grid which is sundivided into 3 x 3 subgrids or regions. Several digits are often given in some cells. These are referred as givens. Ideally, at the end of the game, every row, column, and region must contain only one instance of each numeral from 1 through 9. Patience and logic are two qualities needed in order to complete the game.

Number puzzles very much similar to the Sudoku Puzzles have already been in existence and have found publication in many newspapers for over a century now. For instance, Le Siecle, a daily newspaper based in France, featured, as early as 1892, a 9x9 grid with 3x3 sub-squares, but used only double-digit numbers instead of the current 1-9. Another French newspaper, La France, created a puzzle in 1895 that utilized the numbers 1-9 but had no 3x3 sub-squares, but the solution does carry 1-9 in each of the 3 x 3 areas where the sub-squares would be. These puzzles were regular features in several other newspapers, including L'Echo de Paris for about a decade, but it unfortunately disappeared with the advent of the first world war.

Howard Garns, a 74-year-old retired architect and freelance puzzle constructor, was considered the designer of the modern Sudoku Puzzles. His design was first published in 1979 in New York by Dell, through its magazine Dell Pencil Puzzles and Word Games under the heading Number Place. Garns' creation was most likely inspired by the Latin square invention of Leonhard Euler, with a few modifications, basically, with the addition of a regional restriction and the presentation of the game as a puzzle, providing a partially-complete grid and requiring the solver to fill in the empty cells.

Sudoku Puzzles

sudoku puzzles were then taken to Japan by the puzzle publishing company Nikoli. It introduced the game in its paper Monthly Nikoli sometime in April 1984. Nikoli president Maki Kaji gave it the name Sudoku, a name that the company holds trademark rights over; other Japanese publications which featured the puzzle have to settle for alternative names.

In 1989, Sudoku Puzzles entered the video games arena when it was published as DigitHunt on the Commodore 64. It was introduced by Loadstar/Softdisk Publishing. Since then, other computerized versions of the Sudoku Puzzles have been developed. For instance, Yoshimitsu Kanai made several computerized puzzle generator of the game under the name Single Number for the Apple Macintosh in 1995 both in English and in Japanese language; for the Palm (PDA) in 1996; and for Mac OS X in 2005.

Secure vs Unsecured Loans

Essentially, there are two types of loans: secured loans and unsecured loans. Secured loans are loans in which you pledge some sort of collateral. The bank may repossess the collateral if you do not repay the loan according to the terms you agreed to when you took out the loan.

Unsecured loans are not backed by any collateral. You borrow money on the strength of your good credit and ability to repay alone.

Revolving vs. Installment Loans

Revolving and installment describe the amount of time you have to pay back a loan. With a revolving loan, you have access to a continuous source of credit, up to your credit limit. You repay only the amount of the credit you use, plus interest on the unpaid amount. You may re-borrow the principal you've repaid. So the loan could remain "open" for years.

With an installment loan, you pay an agreed amount, which includes principal and interest, every month. Each payment reduces the balance of the loan until it is paid off. There is a fixed ending date, known as the term of the loan.

Fixed vs. Adjustable Interest Rate Loans

Fixed interest is just that. You and the bank agree to a certain interest rate and it remains constant throughout the term of the loan. Fixed interest rates give you the stability of always knowing what your payment will be, so you can budget accordingly.

Adjustable or variable rate interest fluctuates. Usually it is pegged to the Prime Rate - the interest the U.S. Treasury charges to its best borrowers. When the Prime Rate is high, such as during a period of inflation, you pay more. When the Prime Rate is low, such as when the government is trying to stimulate the economy during a recession, you save on interest. If you need to borrow during a period of high interest, your payments will drop once the Prime Rate drops.

Types Of Loans

Auto Loans: A secured loan in which the collateral is the vehicle you purchase.

Credit Cards: An unsecured loan which allows you a line of credit against which you may borrow by presenting a plastic card to the merchant from whom you are purchasing the item. You may make more than one purchase, up to your credit limit.

Personal Loans: Secured or unsecured loans made for a fixed purpose.

Mortgages: A secured loan in which the collateral is the real estate you buy.

Home Equity Loan: A secured loan for a fixed amount in which the collateral is your home. In some cases, the interest on this loan may be tax deductible. See your accountant.

Home Equity Credit Line: A secured, revolving line of credit in which the collateral is your home. In some cases, the interest on this loan or a portion of it may be tax deductible. Consult a tax professional or your accountant.

Home Improvement Loan: A secured loan for a lump sum fixed amount in which the collateral is your home. The money may only be spent on home improvements. The interest on this loan may be tax deductible. Consult a tax professional or your accountant. (In some areas of the country, a home improvement loan "secured by the equity in your home" may not be available. In these areas, an unsecured home improvement loan would be available.)

Student Loan (Stafford Loan) A loan for college expenses underwritten by the U.S. Government. The loan is granted to the student. Payment is deferred while the student is still in school.

Personal Line of Credit: Unsecured loans allowing you access to funds up to a fixed credit limit.

LCD Versus Plasma

A new television is high on everyone's wish list. Who wouldn't love a brand new fifty-inch flat screen TV hanging on their living room wall? The makers of televisions are taking advantage of ever-changing technology by creating scientific marvels that can produce clear pictures and lifelike colors in just a few inches of depth. But all of this technology means that buying a TV is harder than ever. These days, the battle between LCD and plasma is on, and choosing sides can be hard. Which one should you purchase?

Why buy a plasma TV?

Plasma TV's have a wide viewing angle. This means that the person sitting to the side of the television can enjoy the same picture quality as the person sitting in front of the television.  With an LCD, the picture quality diminishes if viewed from an angle. If you plan on mounting your TV high on a wall or above a fireplace, a plasma is your best bet, since the picture will remain clear when viewed from the ground. Plasma TV's are known for having high contrast and deep black levels. This is most evident in nighttime scenes in movies and shows; the colors appear lifelike and every detail shows, even in dark scenes. Plasma TV's are also less expensive than LCD's. When the price per inch is compared, plasma TV's are a budget's best friend.

Why buy an LCD?

If you are looking to reduce your monthly electricity bills, you will want to purchase an LCD TV. The savings are minimal - often just a few dollars a month - but will add up over the lifetime of the television. And since an LCD TV uses less electricity, it is the greener option. You might also want to purchase an LCD if someone in your family is an avid video gamer. Video games often feature static images, like the score box or the countdown timer, that do not move. With a plasma TV, these static images can burn into the screen; this burn-in is not a problem with an LCD. You also need to consider the level of light in the room. LCD's are well suited to bright rooms. The screen is less reflective than a plasma, and as such will not show the reflections of windows or lights. Also, LCD's have a brighter picture; under the harsh glow of daylight or lamplight, viewers will still see a clear and bright picture on the screen.

Life Insurance Facts

Life insurance guarantees payment of a given amount to the insured person’s beneficiaries when the policy owner dies.  While many people, especially younger people, don’t necessarily want to take the time to think about something as abstract as dying, this form of insurance is particularly important for parents or other persons with dependents.

The basic structure of most life insurance policies is relatively straight-forward: the policy owner pays a premium every month; upon the owner’s death, the insurer issues payment for the policy amount to the spouse, children, or other beneficiary(-ies) named in the policy.  In practice, as with most forms of insurance, specific policies can be much more complicated than this fairly simple model.

For example, the life insurance policy might have riders, or additional clauses, that pay off in the event of a terminal or critical illness or a permanent disability due to physical or mental causes.  Also, there are different varieties of policies, including term life insurance, whole life coverage, universal coverage, and limited-pay policies.  Understanding the difference between the different types of coverage and picking the appropriate one for your situation can be difficult, and professional advice may be necessary to ensure the correct policy is in place.

Term Life Insurance covers the insured for a certain number of years, after which the coverage typically expires.  Because the policy does not build any cash value, and because it is typically based on a low likelihood of death for the covered person, term insurance premiums are usually relatively low.  However, the length of the term, the amount of coverage (and whether it stays constant or decreases over time), and the premium amount (again, fixed or adjustable over time), will all affect the premium amount.  The lower premium is a primary advantage of term life insurance; a drawback is that, at the end of the term, the still-living insured receives no benefit from the coverage.

Whole Life Insurance is permanent life insurance, which means the policy holder can withdraw money paid in or borrow against the cash value.  Whole life has the advantage of a fixed annual premium and guaranteed death benefits.  Premiums are much higher than term life policies at first, but over the life of the policy the two policy types roughly even out in terms of total cost.  While whole life insurance does build value over time, it may not be as strong as other savings options in terms of the rate of returns.  Also, dividends are not guaranteed with whole life. 

Universal life insurance is similar to whole life, but it offers more flexibility in premiums and may offer stronger returns over time.  It also has a cash account and accrues interest. 

The variety of policies available is intimidating enough to many people.  With dozens of optional riders available, and variations even within individual rider classes, competent professional help is definitely recommended when selecting life insurance.  It should be noted that the life insurance policies offered by many employers, while an attractive benefit, are typically not adequate to meet the needs of the insured’s family in the event of an untimely death.  The total amount of life insurance carried should be enough to pay off any mortgages, car payments, credit card debt, and any other major outstanding debt, leaving the survivors in a solid financial situation.

Low Rate Car Insurance

Everyone likes to save money! That fact is not a secret to anyone. When trying to save money on car insurance, a question that should be considered is, “What will be the cost to me for “saving” money?” This question is meant to help people realize that there is a difference between “price” and “cost”. While Company “A” may offer slightly lower or even much lower premiums than Company “B”, Company “B” may offer some services that you prefer, i.e. a local agent, 24 hour service, online service etc. These services may be worth the extra price to some people, and not for others. Thus, it is shown that services received may out-weigh the price paid.

Another factor to take into consideration is the quality of service you receive from an insurance company. While all auto insurance companies want you to believe that they are as good, or even better than the next company; that is simply not true. There are drastic differences in overall service, claim handling, and personality of individual companies. One company may offer exceptional claim’s service, but perhaps it is very difficult to actually get in touch with the company’s claim’s department; while another company may have terrible claim’s service, but their claim department is easy to reach.

One must ask themselves, “Is it worth paying lower premiums to receive a lower quality of service, or am I willing to pay a bit more to ensure that my service is exceptional?” Don’t misunderstand. Just because a company offers lower premiums, does not necessarily mean that company’s level of service will be lacking. Great service can come at any price.

The most important item to remember while searching for lower premiums is to do your homework. Talk to your family, friends, and co-workers. Ask them where they are insured, and if they are pleased with their insurance company. Remember, not all insurance companies are created equally, for instance, a company that runs completely over the phone or internet will have different costs than a company that employs fulltime agents. That is because the cost of doing business is different for each of those companies. This brings the question again, “What services do I value in my insurance company? Do I want the package Company “A” offers or that of Company “B”?”

Low rate car insurance is in the eye of the beholder. Simply put, different services are worth different amounts to different people. So find the company with the services you desire and let the games begin.

Mortgage Insurance explained

Getting a mortgage is bad enough – what with terms like fixed rate, discount, variable etc – so mention mortgage insurance and naturally your eyes will start to glaze over.

However, mortgage insurance is an extremely important insurance to have – in fact, it can the difference between keeping a roof over your head or ending up having your home repossessed.

If you recently took out a mortgage, you may remember the lender asking you whether you wanted mortgage payment protection insurance. It probably sounded expensive and unnecessary. And while, in some cases, there are companies who like to charge you too much for the product, it doesn’t have to be that way.

As for it being unnecessary – get the right policy and at the right price and it will be an invaluable safety net for you. So, what is mortgage insurance? It is a product whereby should you be unable to meet your mortgage repayments due to being made involuntarily redundant or due to being able to work because of sickness or maybe an accident – then it will cover your mortgage repayments.

Your mortgage repayments (and sometimes other mortgage related outgoings too) will be covered for up to a set period of time (typically 12 months but this can vary from provider to provider) to give you enough time to find another job, or get well etc.

Many people may think that mortgage payment protection insurance is a waste of money, using the old adage “It’ll never happen to me”. However, this is not true. Being unable to work – and therefore having to struggle on state benefits – due to involuntary redundancy, accident or sickness can happen to anyone. It does not discriminate and can strike anyone at any time.

Therefore, if you are in full time employment for more than 16 hours a week and you have a mortgage, then taking out insurance against the financial ramifications makes sound sense.

Despite what the press says, it doesn’t have to be expensive to take out this kind of insurance, and nor do you have to take out a policy with your current mortgage lender. This means you are free to shop around to get a policy that offers you comprehensive protection without a high price tag!

If you are looking for mortgage protection insurance, then do not automatically accept the first quotation you get – premiums can vary wildly, as can the terms of the policy and the benefits.

Do your research – the internet is a quick and easy way to compare policies – and then make a decision from there.

LG Nexus 4

On October 29th, Google will likely be showing off its new Nexus phone, a device that is widely believed to be the LG Nexus 4. The LG Nexus 4 has leaked out numerous times in recent days, culminating with a leak today that all but confirmed all of its major features. As a Galaxy Nexus owner, I’ve been interested to see what Google prepared for 2012 Nexus-wise. Here are my thoughts on the new Nexus phone.

LG Nexus 4 design

From the leaks, it appears that the LG Nexus 4 is going to be a plastic beast once again with a design that’s both heavier and thicker than the Samsung Galaxy Nexus. I am just going to assume that this was because Google wanted to keep the costs down. Something else? The phone looks almost exactly like the Samsung Galaxy Nexus.

Nobody gave the rumour that LG would be chosen as the new flagship partner for Google, but after a litter of leaks, the smart money is on the Korean brand as the next in the Nexus clubhouse.

But how will it actually look? Well, with a litany of leaks spewing from the internet with increasing regularity, it seems pretty likely we know what the Google Nexus 4 will actually look like.

One of the most interesting pictures of the Nexus 4 is one with a worryingly sparkly back, bearing the moniker 'with Google' on the rear.

LG Nexus 4 specs

Specs-wise, it seems almost certain the Nexus 4 will have quad core Qualcomm Snapdragon S4 Pro processor, an 8MP rear camera, 2GB of RAM and of course the latest version of Android.

Wireless charging would be an innovative new feature for the phone too, but of course we'll have to put up with the same non-removable battery and lack of microSD card slot too.

Storage Doesn’t Cut It

It looks like Google might be mirroring its Nexus 7 with the amount of storage its offering with the Nexus 4. Sadly, that’s not a good thing. 8GB and 16GB of storage space is just not going to cut it for any smartphone of mine. I found out the hard way with my 16GB iPhone 3GS and 16GB iPad and I’ll never buy another device that has less than 32GB of storage space.

LG Nexus 4 release date

One thing we can pretty much agree on is the fact that there's a new Nexus phone in the offing, and right on cue Google has announced a special event on October 29 to show off something.

What does that mean for a Nexus 4 release date? Well, it seems that we'll get something in the region of mid-November before we get anything on the shelves in preparation for the Christmas rush.

Update: Carphone Warehouse has revealed various details on its website, including the Nexus 4 release date, which is has as October 30.

LG Nexus 4 price

If the Nexus 4 price is anything like the labels attached to previous Galaxy phones, then we're in for an eye-watering outlay to get your hands on the new handset.

The Galaxy Nexus came in at £41 a month before you could get a free phone, which would put it miles ahead of the likes of the Samsung Galaxy S3 or HTC One X, which are the main competitors on specs at least.

At least the phone would come down in price pretty soon, as that's what happened most of the time with the other Nexii… but perhaps the Nexus 4 can blaze a trail and, wow, we don't know: actually come in at market value.

Update:According to Carphone Warehouse the LG Nexus 4 will be available for free on contracts starting at £31 per month over two years.

LG Nexus 4 competition

There are many rumours about other handsets are launching at the same time as the Nexus 4, with a number of phones being unveiled at once.

The HTC Nexus 5 was one of the first mooted, but that has since been shown as the HTC J Butterfly, the super-phone that will only be available in Japan.

Next up was the Samsung Galaxy Nexus 2, but this was simply due to the model number that fitted in the Nexus line up being spotted online. TheSamsung Galaxy Premier was also 'shown' in benchmarks, but given the lack of Nexus name it's unlikel

source : http://www.techradar.com/news/phone-and-communications/mobile-phones/lg-nexus-4-release-date-news-and-rumours-1105898

http://www.gottabemobile.com/2012/10/19/5-thoughts-on-the-lg-nexus-4-googles-new-nexus-phone/

Bank of America wasn’t overpaid for servicing right, Fannie Mae audit finds

By Clea Benson, Wednesday, September 19, 5:40 AM

Fannie Mae didn’t give Bank of America special consideration in agreeing to pay more than $500 million to transfer servicing of 384,000 mortgages to firms more likely to prevent foreclosures, a U.S. auditor said in a report Tuesday.

Still, the taxpayer-owned company paid more than legally required to Bank of America and 12 other lenders when it spent $1.5 billion for servicing rights on 1.1 million loans from 2008 to 2011, the Federal Housing Finance Agency’s inspector general said in the report.

The transfers were part of a Fannie Mae initiative to cut losses on mortgages at greatest risk of default. The specialty servicers hired to handle the loans, including Ocwen Financial and Nationstar Mortgage, typically do more outreach to distressed borrowers and have a better track record of keeping loans current.

“The amount Fannie Mae paid was consistent with the amounts it had paid to other servicers from which it had purchased mortgage-servicing rights under the program,” the report said.

Bank of America ultimately got $421 million in the 2011 deal because some of the loans were paid off or refinanced by the time it was completed.

The transaction drew attention because it came after Fannie Mae had received $1.3 billion from Bank of America to settle claims over defaulted mortgages. House members, including Reps. Darrell Issa (R-Calif.) and Maxine Waters (D-Calif.), sought the audit to ensure that Fannie Mae wasn’t funneling taxpayer aid to the bank.

Fannie Mae, based in Washington, and smaller rival Freddie Mac of McLean have been operating under U.S. conservatorship since they were seized by regulators amid soaring losses in September 2008.

The audit found that Fannie Mae paid lenders more than required in most transactions because it wanted to negotiate a smooth transfer. Holders of the servicing rights could have tried to sell them elsewhere if Fannie Mae offered the minimum price.

In the Bank of America transaction, Fannie Mae sought to buy servicing rights on a portfolio of loans with a delinquency rate of 11 percent and an unpaid principal balance of $73.6 billion. Fannie Mae estimated that it would lose $10.9 billion on the portfolio if the bank continued to service those loans and would cut that loss by $1.7 billion to $2.7 billion if the portfolio were handled by a specialty servicer.

The inspector general criticized Fannie Mae’s method of computing the value of the loans and suggested that the FHFA should step up its scrutiny of the servicing transfer program.

Jon Greenlee, FHFA’s deputy director of enterprise regulation, said the program was intended to help borrowers stay in their homes, not just to save money.

“The reason servicing transfer transactions such as the one at issue are expected to save money is that the new servicer is better equipped to work with troubled borrowers,” Greenlee wrote in a response included in the audit report.

The FHFA inspector general released a second audit Tuesday concluding that the agency should strengthen efforts to ensure that Fannie Mae and Freddie Mac are better prepared for the failure of the banks that sell and service loans. The enterprises have lost $6.1 billion from failures of four such lenders since 2008.

— Bloomberg News

source : http://www.washingtonpost.com/business/economy/bank-of-america-wasnt-overpaid-for-servicing-right-fannie-mae-audit-finds/2012/09/18/2cdf0f98-01d5-11e2-b260-32f4a8db9b7e_story.html

Zesty Slow Cooker Chicken Barbecue

Ingredients

• 6 frozen skinless, boneless chicken chest halves
• 1 (12 ounce) bottle barbeque sauce
• 1/2 cup Italian salad dressing
• 1/4 cup brown sugar
• 2 tablespoons Worcestershire sauce

Directions

1. Place chicken in a slow cooker. In a bowl, mix the barbecue sauce, Italian salad dressing, brown sugar, and Worcestershire sauce. Pour over the chicken.
2. Cover, and cook 3 to 4 hours on High or 6 to 8 hours on Low.

Nutritional Information

Zesty Slow Cooker Chicken Barbecue

Servings Per Recipe: 6

Amount Per Serving

Calories: 300

• Total Fat: 8.1g
• Cholesterol: 61mg
• Sodium: 1058mg
• Total Carbs: 32.4g
•     Dietary Fiber: 0.3g
• Protein: 23g

Published Septembe

Fart jokes - Farting All the times

Farting All The Time

Doctor, "What seems to be the problem?" Patient, "Doc, I've got the farts. I mean I fart all the time," The Doctor nods, "Hmm." Patient, "My farts do not stink and you can't hear them. It's just that I fart all the time. Look, we've been talking here for about 10 minutes and I've farted five times. You didn't hear them and you don't smell them, do you?" "Hmm," says the Doctor, He picks up his pad and writes out a prescription. The patient is thrilled "Great doc. This prescription, will it really clear up my farts?" "No," sighs the Doctor, "The prescription is to clear your sinuses. Next week I want you back here for a hearing test." source : http://www.flixya.com/blog/4830684/fart-jokes-farting-all-the-time

Life quotes - Fun quotes

Life Quotes

To solve the human equation, we need to add love, subtract hate, multiply good, and divide between truth and error. Janet Coleman The 50-50-90 rule: Anytime you have a 50-50 chance of getting something right, there's a 90% probability you'll get it wrong. Andy Rooney The day after tomorrow is the third day of the rest of your life. George Carlin If all the world's a stage, I want to operate the trap door. -- Paul Beatty In life, it's not who you know that's important, it's how your wife found out. Joey Adam

Quick and Healthy Dinner Recipes and Menus 1

Asian Salisbury Steaks with Sauteed Watercress

Back in the 19th century, an English doctor named J.H. Salisbury prescribed beef for all manner of ailments. We think he'd love this healthy update of the ground-beef-and-onions classic that bears his name. The sautéed watercress is an excellent foil to the meaty glazed beef.

2 servings

Active Time: 25 minutes

Total Time: 30 minutes

INGREDIENTS

• 6 ounces 90%-lean ground beef
• 1/3 cup finely diced red bell pepper
• 1/3 cup chopped scallions
• 2 tablespoons plain dry breadcrumbs
• 2 tablespoons hoisin sauce, divided (see Note)
• 1 tablespoon minced fresh ginger
• 1 1/2 teaspoons canola oil, divided
• 8 cups trimmed watercress, (2 bunches or one 4-ounce bag)
• 1/4 cup Shao Hsing rice wine, or dry sherry (see Note)

PREPARATION

1. Place rack in upper third of oven; preheat the broiler. Coat a broiler pan and rack with cooking spray.
2. Gently mix beef, bell pepper, scallions, breadcrumbs, 1 tablespoon hoisin sauce and ginger in a medium bowl until just combined. Form the mixture into 2 oblong patties and place on the prepared broiler-pan rack. Brush the tops of the patties with 1/2 teaspoon oil. Broil, flipping once, until cooked through, about 4 minutes per side.
3. Meanwhile, heat the remaining 1 teaspoon oil in a large skillet over high heat. Add watercress and cook, stirring often, until just wilted, 1 to 3 minutes. Divide the watercress between 2 plates. Return the pan to medium-high heat. Add rice wine (or sherry) and the remaining 1 tablespoon hoisin sauce. Cook, stirring, until smooth, bubbling and slightly reduced, about 1 minute. Top the watercress with the Salisbury steaks and drizzle with the pan sauce.

TIPS & NOTES

• Notes: Hoisin sauce is a dark brown, thick, spicy-sweet sauce made from soybeans and a complex mix of spices. Look for it in the Asian section of your supermarket and in Asian markets.
• Shao Hsing (or Shaoxing) is a seasoned rice wine. It is available in most Asian specialty markets and some larger supermarkets in the Asian section. If unavailable, dry sherry is an acceptable substitute.
• Sherry is a type of fortified wine originally from southern Spain. Don't use the “cooking sherry” sold in many supermarkets—it can be surprisingly high in sodium. Instead, purchase dry sherry that's sold with other fortified wines in your wine or liquor store.

NUTRITION

Per serving: 302 calories; 13 g fat ( 4 g sat , 6 g mono ); 56 mg cholesterol; 17 g carbohydrates; 21 gprotein; 2 g fiber; 391 mg sodium; 611 mg potassium.Nutrition Bonus: Vitamin C (120% daily value), Vitamin A (70% dv), Zinc (27% dv), Potassium (17% dv).

source : http://www.eatingwell.com/recipes/asian_salisbury_steaks_with_sauteed_watercress.html

Apple Iphone 5 specification

GENERAL	2G Network	GSM 850 / 900 / 1800 / 1900 - GSM A1428
		CDMA 800 / 1700 / 1900 / 2100 - CDMA A1429
	3G Network	HSDPA 850 / 900 / 1900 / 2100 - GSM A1428
		CDMA2000 1xEV-DO - CDMA A1429
	4G Network	LTE 700 MHz Class 17 / 1700 / 2100 - GSM A1428 or LTE 850 / 1800 / 2100 - GSM A1429
		LTE 700 / 850 / 1800 / 1900 / 2100 - CDMA A1429
	Announced	2012, September
	Status	Coming soon. Exp. release 2012, September 21st

BODY	Dimensions	123.8 x 58.6 x 7.6 mm
	Weight	112 g

DISPLAY	Type	LED-backlit IPS TFT, capacitive touchscreen, 16M colors
	Size	640 x 1136 pixels, 4.0 inches (~326 ppi pixel density)
	Multitouch	Yes
	Protection	Corning Gorilla Glass, oleophobic coating

SOUND	Alert types	Vibration, propriety ringtones
	Loudspeaker	Yes
	3.5mm jack	Yes

MEMORY	Card slot	No
	Internal	16/32/64 GB storage, 1 GB RAM

DATA	GPRS	Yes
	EDGE	Yes
	Speed	DC-HSDPA, 42 Mbps; HSDPA, 21 Mbps; HSUPA, 5.76 Mbps, LTE, 100 Mbps; Rev. A, up to 3.1 Mbps
	WLAN	Wi-Fi 802.11 a/b/g/n, dual-band, Wi-Fi Plus Cellular
	Bluetooth	Yes, v4.0 with A2DP
	USB	Yes, v2.0

CAMERA	Primary	8 MP, 3264x2448 pixels, autofocus, LED flash
	Features	Simultaneous HD video and image recording, touch focus, geo-tagging, face detection, panorama, HDR
	Video	Yes, 1080p@30fps, LED video light, video stabilization, geo-tagging
	Secondary	Yes, 1.2 MP, 720p@30fps, videocalling over Wi-Fi and 3G/4G

FEATURES	OS	iOS 6
	Chipset	Apple A6
	Sensors	Accelerometer, gyro, proximity, compass
	Messaging	iMessage, SMS (threaded view), MMS, Email, Push Email
	Browser	HTML (Safari)
	Radio	No
	GPS	Yes, with A-GPS support and GLONASS
	Java	No
	Colors	Black/Slate, White/Silver
		- nano-SIM card support only - Active noise cancellation with dedicated dual mics - Siri natural language commands and dictation - iCloud cloud service - Twitter and Facebook integration - TV-out - Maps - iBooks PDF reader - Audio/video player and editor - Image editor - Voice memo/command/dial

BATTERY		Standard battery, Li-Po
	Stand-by	Up to 225 h (2G) / Up to 225 h (3G)
	Talk time	Up to 8 h (2G) / Up to 8 h (3G)
	Music play	Up to 40 h

MISC	Price group