A Man's Guide to Buying Lingerie for his Lady

Most men know nothing about picking out lingerie, which is understandable
because it can be confusing. What type of lingerie to buy, what size, what color
- how is a man to know? Here is a little guide to help you when choosing
lingerie for that special someone.





There are a few things to consider before you go out. What does she like?
Remember that you will not be wearing this - she will and you should go out with
the intent on getting something she will like. If she is not into lacey, tiny,
see-through teddies, chances are if you buy that, she will not be in much of a
mood to wear it and you may never see it. So keep what she likes in mind.


If you do not know, check out her nightgown/lingerie drawer before you leave.
Check for material type (cotton, silk, etc.), colors, and most importantly,
size. She may be flattered if she wears a large and you get her a small, but if
she wears a small and you buy her a large, you may find yourself in trouble.
Avoid anything that says control on the label. Those items are used to firm
and flatten tummys and rears and she would probably not appreciate receiving
them as a gift.


Another thing to remember is if the store offers to wrap the lingerie let
them. Dainty lingerie will look better in their wrapping than if you wrap it in
the paper left over from your cousin's birthday. Presentation is part of the
package with lingerie. Also, if you are uncomfortable in the store, check out
online stores that sell lingerie. You can always start at Victoria's Secret, but
most major department stores like Macys and Nordstroms also sell lingerie. Final
note - remember to keep your receipt just in case it is the wrong style, size,
or color.


Now, what type of lingerie is available? Just about anything you can think
of! Ask yourself what the occasion is. Is this to let her know you love her? If
so, something crotchless or see-through probably will not send that message.
But, if it is for Valentine's Day or your anniversary, something a little more
risqu? might be appreciated. Bras alone have
many different styles including push up, plunge, gel filled, padded, under wire,
seamless, backless, strapless, open cup, and unpadded.


If you are purchasing a bra and panty set, always check out what she has in
her drawer beforehand and definitely make note of the size - of both the bra and
panties. Most places sell at least one pair of panties that match each bra, but
some will sell several so you can mix and match. It will help to know what type
of panties she likes to wear too - thongs, briefs, or high cut bikini.


When it comes to sleepwear, it can be just as confusing. One type of
sleepwear is babydoll pajamas. They usually have very thin straps, a plunging V
neckline, and are very short with matching panties. You will find most of these
made out of silk or satin, materials that always make a woman feel good about
herself. But, if she feels her breasts are too big or too small, or thinks her
stomach is too big, you might want to avoid babydoll pajamas.


There are slips and chemises. Similar to the babydoll pajamas, these are a
little longer and a little better at concealing problem areas such as breasts,
butt or stomach. They too are usually made of silk or satin.


Gowns are full-length versions of the babydoll. Many are see-through or lacey
and can help put your woman in the mood. Babydolls, slips, chemises, and gowns
may also come with a robe.


A pajama set might not sound too sexy, but if it is silky, and buttons up the
front, it can make your woman feel very sexy, especially if she is a plus size
(size 18 or larger). Boxer sets have become very popular lately. The tops are
tight, with thin straps and usually a V neckline, although there are boxer sets
with normal t-shirt tops.


If you are really looking for lingerie to spice up your love life, take a
look at Frederick's of Hollywood (available online). They have been selling sexy
lingerie for over 50 years. They have a wide variety of garter belts, bustiers,
corsets, teddies (similar to the babydoll, but one piece), crotchless panties,
and fishnet stockings - items that may not be available at many stores that sell
lingerie.


What type of lingerie you should get your love depends a lot on her
self-esteem. Many big woman love sexy little teddies, but some will shy away
from them, for fear of exposing too much of themselves. Most stores sell
lingerie in plus sizes, which are a little less revealing. If she is really
athletic, a boxer set might be something she would like. Thin women will look
good in anything, but especially teddies, corsets, and babydolls.


When shopping for lingerie, try to keep in mind what she likes. If you
purchase something similar to the lingerie she already has and in colors you
know she likes, it will probably make her happy. But, keep the receipt just in
case!
About the Author

Jessica Valentine is a successful writer and publisher interested in women's apparel providing valuable tips and advice on finding sexy lingerie, lingerie fit, and lingerie buying guides for men. http://www.sexy-lingerie-for-her.net

Backgammon for Beginners

50 Years of Power

A carryover from 2004, the 2005 Ford Thunderbird was the last of its kind to be manufactured. The last time it rolled off the Ford Motor Company's manufacturing plants was also the time of the vehicle's fiftieth anniversary.



This 2005 Ford Thunderbird is a luxury convertible that has been available in three trims that ranges from the Deluxe package to the 50th anniversary package. It has the capacity to take in a maximum of two passengers, and sports two doors. Upon its introduction, this 2005 Ford Thunderbird model came equipped with a standard engine of 3.9 liters, V8, and 280 horsepower that could take in 18 mpg in the city, and 24 mpg on highway cruising. Also standard for this luxury convertible is a five-speed automatic transmission that has overdrive.



This last Thunderbird convertible to be produced still contains the cool and evocative styling that its descendants have bore. It also still holds its heritage of being a roadster with perennial style, loads of power, and great interior roominess and space. However, convertibles who have lived for fifty years also received changes so much so that the 2005 Ford Thunderbird sports an open-air driving, new colors for its interior and exterior, and a new aluminum trim for its doors and center stack.



As per the 2005 Ford Thunderbird's interior, this vehicle comes with air conditioning with dual-zone automatic climate controls, a power tilt/telescope leather-wrapped steering wheel that has radio controls mounted on it, a cruise control, leather upholstery on 6-way power bucket seats, power mirrors, window locks, door locks, a remote keyless entry system, AM/FM/CD with an in-dash 6-disc changer, a power convertible top, a universal garage door opener, and automatic headlights. On the outside, this luxury convertible could be owned with a power-folding soft top with a heated rear window or with a removable hardtop with trademark porthole windows.



As per safety and security, this luxury convertible has made sure that these features are not overlooked. The vehicle has front airbags, side airbags, and a combination of head-and-chest side airbags, thus making the 2005 Ford Thunderbird the first convertible manufactured by Ford to come equipped with this. Aside from that, the vehicle also has an anti-theft system, the Ford's Smart Locks system, the LATCH child seat system, a perimeter alarm that goes along with an LED indicator, and a glow-in-the-dark emergency trunk release handle.



All of Ford Thunderbird's parts and Ford car parts needs could be easily located at Auto Parts Discount. Top of the line Ford Thunderbird parts and Ford auto parts could found here that are guaranteed to fit Ford vehicles. They also match the quality and performance of Ford vehicles.



In a nutshell, the 2005 Ford Thunderbird comes with new exterior colors that include bronze and medium steel blue that has replaced merlot, vintage mint green, and light ice blue metallic. Aside from that it also sports new partial interior color packages like medium steel blue and torch red. The convertible also has a new style using aluminum trim on its doors and center stack. And lastly, the 2005 Ford Thunderbird contains seatback map pockets for owner's use.

About the Author

Joe Thompson is the owner of a successful auto body shop in Ferndale, California. This 38 year old is also a prolific writer, contributing automotive related articles to various publications.

Interest Rate Buydowns What Is Old Is New Again

Whenever you hear about buydown loans again, it?s a sure sign interest rates have risen and the real estate market has slowed down.

A buydown occurs when the interest rate is ?bought down?, that is, with cash to pay for a lower interest rate known as a permanent buydown or ?borrowed? into the future with a higher base interest rate as in a temporary buydown. The lower interest rate, the lower the monthly payment and loan qualifying is easier. Conversely, the lower the interest rate the more it costs.

The permanent buydown buys the rate down for the life of the loan. Typically it costs one point or one percent of the loan amount to buy it down a quarter of a percent in rate. If the current rate is 6.50% for example, you can buy it down to 6.25% for about one point.

A temporary buydown is for a short, set period of time. A 2-1 buydown is most common where the initial interest rate is two percent below the base note rate for the first year and then 1 percent below the base for the second year, finalizing at the base note rate for the remainder of the term. An example would be a base note rate of 7.50% with the first year at 5.50%, the second at 6.50% ending with 7.50% for the remaining 28 years on a 30 year loan.

It can be bought down with cash and/or a higher base interest rate with revenue called a Yield Spread Premium, also known as YSP, rebate or premium pricing. Think of it as leveraging tomorrow?s higher interest rate to gain a lower one today.

Why is this important to you as a seller? It increases your pool of qualified buyers for your home. It costs you between one to three points but it is part of dealing with a slow market; either lower the price of your home or give more incentives. It is a widely used tactic by new home builders when the market softens.

Why is this important to you as a buyer? The buydown subsidizes your monthly payments to allow time for your income to catch up to the yearly increase of approximately 7.5% above the previous year?s payment. You can buy the home you want today rather than wait, or worse, buy a lesser home you really didn?t want. You get the added fixed rate security benefit knowing exactly what your monthly payment is at any time, unlike an adjustable rate mortgage. Structured correctly, you benefit at the seller?s expense.

Why is a permanent buydown not a good option on a purchase? One main purpose of the buydown is to get more people to qualify for more home. Three point cost only drops the interest rate about ? of one percent, the permanent rate of 6.50% lowers down to 5.75% for example. A temporary buydown using the same scenario would lower the first year?s interest down to 4.50% percent, a full two percent below. It also lowers the monthly payment substantially below the ? of one percent rate drop.

There are different buydown variations to discuss with your mortgage consultant if you are a buyer or a seller. The 3-2-1 buydown works on the same premise of the 2-1 only over a three year period. A ?flex-fixed? buydown has incremental increases every six months. Structuring depends on your credit score and how much you are putting down.

If you are a seller, a seasoned mortgage consultant will structure the buydown so it doesn?t cost you as much yet broadens the market appeal of your home. It becomes a powerful marketing tool for your real estate agent to sell your home sold faster. This mortgage consultant will also structure the purchase of your new home based on your projected net proceeds to make both transactions smooth and tailored to fit you.

For you the buyer, a buydown is a valuable financing option added to your mortgage arsenal. The buydown and the cost need to be structured into your formal offer to purchase contract. It broadens the number of homes you qualify for and if structured correctly, you benefit from a lower initial monthly payment and interest rate, at the seller?s expense. By the time the interest rate hits the higher base rate; you will be in a position of handling the higher monthly payment with your increased future income if the rates remain high and/or to refinance if rates drop.

Your mortgage consultant will explain the program, the payments and cost in detail in terms you can understand; what it means to you today and over time. Insist on a side-by-side mortgage analysis in writing from mortgage software such as The Mortgage Coach, LoanMagic or a similar mortgage analytical product. If they can?t, you need to find another lender.

Vic Yamauchi, a San Diego native, started his real estate career in 1978 as a Regional Real Estate Manager for Pier 1 Imports after graduating from San Diego State University.

A Realtor in 1980, he learned the business the hard way as home interest rates climbed to over 19% and became well versed in creative financing that has served him to this day. He listed up to 25 homes in one month. He is celebrating his 28th year overall in the real estate and mortgage industry.

Vic has been an owner or co-owner of four different mortgage companies since that time. He was SVP of Retail Production, AME Financial and a past Branch Manager for Norwest/Wells Fargo Home Mortgage.

Currently, Vic is a senior mortgage consultant with CalPacific Mortgage Consultants, http://www.capmc.com, and President of Homebuyers Resource Center, http://www.mlsrec.com.

Child Birthday Gift Ideas

 



Child Birthday Gift IdeasSubmitted By: Misti Norusis  

Picking that perfect birthday gift for a child is always an exciting experience, but can also be rather challenging. Possibilities are countless, the choice of a birthday gift will depend on the resources available to the giver, and many other considerations, like the child?s age, sex, and interest. Think about clothes, shoes, little girl jewelry, trinkets, fairy tale stuff, art materials, dolls, toys, playhouses, vanity sets, music boxes, racing cars, robots, and many others. Can you say Cash, perhaps?

Here are some gift ideas for the birthday girl or birthday boy.

Newborn to 1 year: On the baby?s first few months, colorful toys like fancy rattles, flash cards and large picture books will keep the baby entertained, also nice soothing music. Activity quilts, decorated with animals or soft dolls, cloth books, bath toys or baby swings come useful. Be sure that the quilts are free of button noses and eyes, and small parts.

Ages 1 to 3: When a toddler turns one year old, he or she will engage in more active play, like climbing, jumping and exploring. Toys for building basic structure and those that can be used in active play will be preferred. Examples of gifts that will impress this age group are Kid's Rocking Horses and Rockers, and educational toys.

Ages 3-5: This is the stage for a child?s creative and imaginative play. A child likes building recognizable structures, and uses smaller and more complex pieces. Your child now prefers playing in groups, and will show interest in toys that can be shared with friends. Examples of gifts that will impress this age group are pull toys, pretend play like puppet theaters, child sleeping bags and kitchen sets.

Ages 5 to 7: Children now develop stronger muscles. Coordination is improved, and so is dexterity. They develop a degree of competitiveness, and interaction becomes complex. Your children also become interested in home activities like, arts and crafts, reading, writing, and collecting. Look for activities involving arts, music, outside play, and sports. Children in this age group want more complex things to play with?more difficult games like card games, and more complex puzzles. Older children like reading easy novels, favorite stories, children's recipe books, and diaries. Examples of gifts that will impress this age group are child art easels and child sleeping bags. Unique child furniture like rocking chairs and toy boxes also make for great gifts.

Sometimes, it is a good idea to stock up on gifts, especially the small stuff, and those that do not get spoiled when kept in storage for a few months so that they can always come handy.

When giving gifts that take a lot of space, consider the size of the house where the family lives. Also, if the celebrant has other siblings, bear in mind that the gift items you have in mind, especially toys, might already be available in their home. Try to avoid the possibility of duplications.

If you are very close to the parents of the celebrant, and if you feel that they would not mind, ask what the birthday celebrant might need. This way, you will be able to get that almost perfect gift idea for the little one.

Article Tags: age, play, toys

An Overview Of Infant Car Seat Covers

Most moms worry about their babies all the time. Moms worry have even more apprehensions about proper baby care during travel. Parents know that infant car seats are the law in the United States and most are thankful for it. Having a separate and safe seat for their babies is as important as sticking to speed limits and forms a vital part of baby care.

But what if these seats are not properly maintained? Jagged and rough edges will develop and harm baby arms and feet during the drive. Covering up these seats with soft covers becomes necessary to keep your baby warm and snug during your travels.

Infant car seats are meant for babies less than one year old and weighing not more than twenty pounds; infant toddler seat covers are for babies more than a year old. Babies of all age groups fit into these seat covers for toddlers. Infant seat covers are best suited for babies only a few months old, as they support the body at all the right parts and guarantee a safe journey.

The best car seat cover for your baby is the one that fits the baby seat perfectly and can be installed and used easily and correctly during every ride. But it is important to keep your baby in the rear seat of your car, especially if the front seats have air bags, to avoid suffocation in case of accidents. The car seat covers aim to provide a soft ride for the baby, without discomfort from the hard edges of a baby seat.

Baby Brella is one of the popular brands of infant covers for car seats. Their patented designs use fabrics that are lightweight and resistant to water and snow. Babycentre.com provides a wide range of fleece seat covers with soft lining for car seats. Apart from being resistant to wind, water, and ultraviolet rays, they are machine washable and have a double-layer fleece exterior with shearling inside. With their reinforced zippers, they fit seats with three or five harnesses.

Seat Covers provides detailed information on Seat Covers, Car Seat Covers, Dog Car Seat Covers, Truck Seat Covers and more. Seat Covers is affiliated with Portable Massage Chairs.

By Ross Bainbridge

Activities Where Your Introverted Child Can Win!

Relocating? America's Top Ten Most Livable Cities

Each year, Money magazine rates hundreds of American cities in order to help folks who may be yearning to move be able to find the best new place to settle. The magazine compiles statistics on various factors, such as housing affordability, job growth, commute time, schools, weather, access to health care, leisure pursuit possibilities, crime rate, and quality of life, and then publishes its findings once a year.

For the year 2006, the overall winner was Fort Collins, Colorado, followed by Naperville, Illinois, and Sugar Land, Texas. Money magazine was especially impressed by the many parks in Fort Collins, including some sixty miles of biking and hiking trails in a town of 128,000 people located some 5,000 feet up in the Rocky Mountains. There are plenty of jobs in Fort Collins, too, with giant companies like HP, Eastman Kodak, and Agilent Technologies maintaining a large presence in town. Fort Collins is also the home of Colorado St. University and Poudre Valley Hospital, which provide 10,000 more jobs between them.

Rounding out the rest of the top ten most livable American towns were: Columbia/Ellicott City, Maryland; Cary, North Carolina; Overland Park, Kansas; Scottsdale, Arizona; Boise, Idaho; Fairfield, Connecticut; and Eden Prairie, Minnesota.

Money magazine also rates the country's largest cities annually, as well, and publishes a separate list of America's top ten most livable big cities. This year's winner was Colorado Springs, Colorado, making it a clean sweep for the Centennial State, although Colorado Springs was the second smallest city on the list in population, at 369,800. Coming in second was Austin, Texas (690,300), followed by Mesa, Arizona (442,800).

The top ten list of big cities was rounded out by Raleigh, North Carolina (341,500); San Diego, California (1,255,500); Virginia Beach, Virginia (438,400); Omaha, Nebraska (414,500); Wichita, Kansas (354,900); and New York, New York (8,143,200).

Since many people are concerned about crime, Money ranked cities according to crime rates, and the safest city in America turned out to be Wayne, New Jersey, followed by a pair of Connecticut towns, Fairfield and Greenwich. Two Nevada towns, Paradise and Sunrise Manor, were next, and the rest of the top ten was comprised of another Connecticut town (Manchester, 7th); and four more New Jersey cities (East Brunswick, 6th; Cherry Hill, 8th, Edison, 9th, and Hamilton, 10th).

If you're single and yearn to live in a city with lots of other single people, Money magazine's data suggests moving to Bloomington, Indiana, where 58.2% of the population is unattached. There were nine other American towns in which more than half the residents were single, including New Brunswick, New Jersey (54.6%); College Station, Texas (54.3%); Ames (52.5%) and Iowa City (52%), Iowa; Cambridge (52%), Somerville (51.3%), and Boston (50.4%), Massachusetts; Berkeley, California (50.3%); and Champaign, Illinois (50.2%).

If you're thinking about relocating, there are many factors to consider. Explore your options and make your own list of priorities.

Copyright ? 2006 Jeanette J. Fisher

Find out why your home selection--including your community--makes such a difference in your quality of life and happiness. Free Power of Home report ebook at http://www.jeanettefisher.com/powerofhome.htm

Jeanette Fisher teaches interior design psychology and real estate investing.

Infant Car Seat Safety

A few facts about car accidents:

-Did you know that car accidents kill and injure more children
than all major childhood illnesses combined?

-Most accidents occur within a 25 mile radius of your home.

-a crash at 30 miles an hour can create as much force as falling
from a third story window.

Now if that doesn't get your attention I don't know what will.
So here are some safety tips to remember on that first ride home
from the hospital as well as through out toddler hood:

- Always follow manufactures directions for both the
installation and the securing of the child. Always cheek before
each ride if the seat is properly secured and always retighten
the seat belt that holds your baby in the actual car seat. Use
locking clips that are available in most of the newer models of
cars, if you don't have these you need to make sure the shoulder
or lap belt stays tight.

-Getting your baby used to riding in a car seat will make later
use of the seat easier and more accepting almost like a routine
when they get in the car. It is what's expected.

-Infants should ride in the middle of the back seat. This is the
safest part in any car.

- Don't place child seat at either side of the car. This is the
most vulnerable place for side impact car crashes. If you have
to place child here it is best to have them rear facing.

-Never put a child under 10 in the front seat with an air bag.
An air bag can crush or suffocate a young child.

-Infants should ride in a rear facing car seat until they weigh
20 pounds, and can sit up well. Over 20 pounds or a year and
close to 20 pounds the child can face forward.

-Over 30 pounds, they can ride in a booster seat or a toddler
seat designed to hold a larger child.

- For older babies use toys that are made for the car seat, that
are attached so baby can not throw, or drop toys. This
distracts the driver as well as upsets baby.

-Make sure that heavy or large objects such as briefcases,
suitcases, laptops, boxes are tied down or on the floor so in
case of an accident or sudden stop these objects don't hit baby.

-For young babies do pad the sides of the car seat and the areas
around the head with a blanket to provide support.

-If baby is small then place a blanket between the baby and the
crotch strap, making the fit of the car seat safer and more
secure for baby.

Follow these safety tips and those provided by the manufacturer
of the car seat and you can make every ride safe for your baby.

About the Author

Brooke Schuman writes articles on the internet about babies.
As a mother herself of a one year old boy, Brooke is experiencing
first hand the joy and the challenges for raising a baby. She loves
being a full time mother and asks you to please visit her Baby Blog
and her baby website when you have a chance. http://baby.ideas-from.us

Top Tips for Home Buyers and Sellers During the Holidays in 2006

Searching for or selling a home in November or December can be stressful in addition to the built-in holiday frenzy. Simple tips for buyers and sellers can minimize stress and possibly facilitate a sale.

Sellers.

-Consider potential buyers spiritual backgrounds in your market before decorating for a holiday.

-Less is more when decorating a home for the holidays while you are trying to sell. Streamline the amount of holiday specific decorations you display.

-Large over-size Christmas trees and other holiday decorations consume space that might make rooms or landscapes appear smaller.

-Install and remove exterior holiday decorations 2 weeks before and after holiday.

-Turn off lighted holiday decorations before showings, buyers should focus on your home and not your decorations.

-If you are having out-of-town house guests, ask your real estate agent to postpone showings until after your guests depart.

-Display summer photos of home and gardens to inform buyers of the features of the home in other seasons.

-Before showings remove snow, ice and leaves from walkways and driveways. Don't overlook outside entrances to basements, garages, and porches. Pet dropping are a turn-off to buyers.

Buyers.

-You can find motivated sellers at year-end, but don't think they'll give away their home. Do your homework before drafting a real estate contract. Look only at sold comparable's from the last six months.

-Don't be afraid to ask for concessions from sellers. Popular give-backs from sellers to buyers are: property and transfer tax rebates, closing cost credits and paying mortgage points.

-When performing a home inspection in wintry weather, it's easy to forgo adequate roof and air-conditioning condenser reviews. If you can't see or operate a structural or mechanical system, ask for an extension until the weather improves.

-Patience rules at the holidays. Everyone is busy, and if it takes an extra day to view a property, it's not uncommon.

Both.

-If you plan to close the purchase or sale of a home near a holiday, check with your agent, title company and lender to verify two business days before closing that they have all the required documents and funds have been wired to complete the transaction.

-If you are closing on your new home, select a mid-week day, early in the day, to schedule your closing time, to accommodate last minute delays by a mortgage loan processor, insurance or title company.

-If you plan to move during the holidays, keep in mind that moving companies will require more notice and could charge additional fees for packing, moving and delivering household goods on week-ends and holidays.

Mark Nash is the author of Fundamentals of Marketing for the Real Estate Professional, Starting & Succeeding in Real Estate, Reaching Out: The Financial Power of Niche Marketing, and 1001 Tips for Buying and Selling a Home. Mark is a contributing writer for: Realtor (R) Magazine Online, Broker Agent News, Real Estate Executive Magazine, Principal Broker, and Realty Times. He contributes residential real estate analysis to Business Week, CBS The Early Show, CNN, HGTVpro.com, The New York Times, The Today Show and USA Today. View his books at http://www.1001RealEstateTips.com

Pickomino A Game of Dice and Tiles

This Game is Easy to Learn, and a Quick Game to Play

Pickomino is a great dice game from one of the most popular names in games today, Reiner Knizia. Knizia is known for making games that have deep strategies and interesting themes along with them. Pickomino is not quite as deep in the strategy department as some of his card and boardgame offerings, but it is a lot of fun. The theme is that of chickens trying to eat worms, but honestly the game would be pretty much the same without the theme. It's a game for two to seven players and only takes a few minutes to learn and twenty to thirty minutes to play a complete game.

The game revolves around two different playing pieces. They are a set of 8 dice, and a set of 16 tiles. The tiles are numbered from twenty one to thirty six. Each tile not only has a number on it, but it also has a number of worms. The number of worms are the key here as they will determine who wins the game in the end when it is scored. You will want to look closely at the tiles, because that will help you realize that the tiles with the higher number of worms on them also have the higher numeric number assigned. The next key to the game are the eight dice. They are almost standard six sided dice. The reason I say almost standard is because they sixes have been replaced with worms.

To start the game all sixteen tiles begin in a common area where all the players can see them. Once a player is chosen to start , which I recommend the oldest starting first, the fun begins. On your turn you first roll all eight dice on your initial roll. You can then lock in any number of dice you want that have the same numerical (or ones that all have a worm) on them. You then roll the dice again, that is you roll all the dice you haven't locked in yet. This time again you can take the dice you want to lock in that all have the same numerical value out of the game. There are a couple things about locking in to remember. You must lock in all the dice that have the number you choose on your turn, you can't just take two out of the 5's showing and leave one to roll again (you would have to lock in all three). After you lock in a certain value on one roll you can't lock that same value in on a future roll. You can keep rolling as long as you wish or stop whenever you wish. If you take another roll though and you roll all numbers that you have already locked in you lose that turn. More about losing on your turn later.

Now if you decide to stop, you add up the value of your dice and take the tile with that value and put it on the pile in front of you. It can either be from the common area or from the top of one of your opponent's piles, which is referred to as stealing. If the value you have from your dice combined is not shown on one of the face up tiles, you may take the tile with the highest value in the common area that is lower than your locked in total. Now, let's say there is no tile that matches your locked in total and there are no tiles lower than your locked in total in the common area, what happens then? Once again you lose on your turn. So, what is so bad about losing on your turn?

Well first of all you are not entitled to claim a tile. Not only that you must put the top tile from your pile back into the common area face up, and finally turn over the tile in the common area with the highest numerical value therefore removing it from the game. The whole goal in this game is to have the most worms on the tiles in your pile when the game ends, so as you can see not getting a tile, and giving one back on the same turn hurts you a lot. Also flipping over the highest value tile in the common area (which will have a high number of worms) also hurts you because that tile is no longer available to add to anyone's worm total. When all the tiles are removed from the common area into player's piles and/or turned over the game ends. You then add up the worms everyone has (not the numerical values) and a winner is declared.

This is a great dice game. You can play it quickly, and as you can see the rules are rather simple and can be picked up on quickly. The only parts that are even slightly complex are what happens when you lose on a turn. I think this game is a great family game, as well as one to play with casual friends when you want a game with a very light strategy that will get some interesting rash talking going on trying to convince opponents to keep rolling another round of dice. This game is very affordable at around $15-20, and I think it is one everyone should have in their collection. I rarely give out 10's to a game, and I can't do it for this one because of the theme not really being that much a part of the game, but I will give it a 9!

By Newshound, www.associatedcontent.com

Generating Mortgage Leads Is A Very Important Part Of The Mortgage Business

Generating mortgage leads is a very significant part of the mortgage business. Buying mortgage leads is a daily practice for many loan officers and mortgage companies; often the leads that they buy are oversold Internet leads that lead aggregators online sell over and over causing mortgage applicants to get a colossal amount of phone calls, and unwelcome email.

The mortgage industry battle for loan deals on a daily basis. You see advertisements everywhere in the mass media sector. So, is there a way to compete with the big dogs of the industry? Yes, your local market is where you have to focus hard if you are a mortgage loan officer and are having trouble generating loan deals from leads that you buy online. There are many different ways of generating mortgage leads in your local market. Below I have listed a small number of methods that have worked for scores of loan officers who have taken the plunge in to gorilla marketing and viral marketing techniques.

-Create a referral network with realtors: Communicate or at least introduce your self to as many realtors as you can. This will create a viral marketing system that will generate you leads for years to come.

-Use online press release service to your advantage. Submit a well written interesting press release about the local mortgage industry include some worthy news. You local papers and news may pick up on it. This can be a goldmine!

-Plaster your local area with flyers, business cards, pens, and anything containing your company name. Pens work real well since that have a use and are saved for 6-24 months on average.

-Work with local events and charities. Be a part of the community. Sponsor charity golf tournaments. Many real estate agents play golf and wealthy homeowners.

-Network to build net worth! Be known! Don?t expect everyone to know you, make them know you. Go to local after hour spots and network.

-Join as many organizations as possible. The local chamber of commerce, BBB, Social Clubs, anywhere that will get your name more credibility and visibility.

-T-shirts for children. Make company t-shirts. Instead of giving them to adults give them to children, they will wear them and be seen. I saw one shirt on a child that said ?Future Mortgage Broker? Company Name, Phone?. Awesome!

These are just a few ways to enhance your local market share without spending big bucks. Compared to the price of internet leads ($15.00-$75.00 per lead) based off the prices we found posted at http://www.leadbull.com, local marketing is a immense money saver and maker if you have the time and put the effort in!

Jayson Brock has been in the mortgage industry for over 11 years and mostly in the marketing business for 6 of those years. To see more articles Jayson has compiled visit http://www.TheMortgageWire.com or http://www.BrokerTrends.com.

Pushchairs strollers and buggies the most important considerations before you buy

Should a pushchair by practical or pretty? How about easily collapsable or extremely cheap? With hundreds of pushchairs/strollers/buggies available the only way to know what is most important is to ask the parents?


There is a myriad of pushchairs and strollers on the market. Wonderful sounding names such as Bugaboo and Cosatto. Most parents will know of Mamas and Papas - but what are the most important aspects to choosing the right pushchair for your child or children?


Is a pushchair or stroller a fashion statement? You could be forgiven for believing that it is. Many new pushchairs boast ultra-modern designs, colour changing abilities and they come with a price tag to match.


I first became interested in pushchairs when I became a father - obviously! - and like many parents fell into the marketing trap, choosing a pushchair for all the wrong reasons. The right reasons for choosing a pushchair are weight - it should be light, mobility - it should be easy to push, price - it should be affordable and sensibly-priced, it must meet safety standards and it should be a manageable size.


In terms of size this was our first mistake. There are some wonderfully attractive three-wheeler pushchairs/strollers available (the sort you see in glossy magazines, being pushed by celebrities out jogging) but wait, they are not practical on a day-to-day basis unless you intend to go jogging. Try getting through a shop doorway - many are as wide as twin pushchairs.


What if you have twins? Tandem strollers have one seat in front of the other, but if you have ever tried to push one you will realise that trying to wheelie up a kerb-stone is like doing it will a full supermarket trolley.


Then there are tandem buggies that are no longer than a single buggy - but they have really high handles so if you are 5 foot or just a little taller they will be impossible to push.


There are lots of things to consider when buying a pushchair or buggy. I created a pushchair review site so parents could post honestly about their experience to ensure fewer people fall into the huge marketing trap surrounding pushchairs.


There are lots of really positive, good points and there are some wonderful pushchairs with clever designs, good looks and low prices.


Visit My Pushchair for more information.

About the Author

British Sports Car Maker Resurrected

In the 1950?s one car maker set a milestone by producing the vehicle that will make possible the first time that a British car with a British driver has won a Formula One Grand Prix. Aside from that achievement Connaught Motor Company also produced street legal cars which have received good success during the period.

In 2002, the brand was acquired by Tony Martindale and Tim Bishop. Martindale is now the Chief Executive Officer of the company. Last year, the company unveiled the Connaught Type-D after being given the distinction of ?Specialist Car Manufacturer of the Year? by Autoexpress magazine.

More recently, the company announced that they will be mass producing the Connaught Type-D at its production facility in Wales. The company will not only produce a sports coupe but also a hybrid version of the vehicle. The production of the newest car from the legendary car maker will start this year. Completed vehicles will begin hitting showrooms in Europe by the start of next year.

Consumers looking forward to the resurrection of the brand will be treated to a four-seater coupe, the Connaught Type D GT Syracuse which will be the first model that the company will be producing. The sports coupe will be equipped with a massive V10 two-liter supercharged engine which can produce as much as 300 horsepower. This amount of power will definitely need good brakes to efficiently keep it in check.

The hybrid version of the vehicle will follow soon after. Plans for the hybrid are already announced by the company. The Connaught Type D V10 sports coupe hybrid vehicle will feature a V10 gasoline engine coupled with an electric motor. The hybrid version of the sports coup is estimated to reach speeds of up to 150 miles per hour. The torque produced by the engine and the additional torque from the electric motor can propel the Connaught Type D to 60 miles per hour from a standstill within 6.2 seconds. This performance is quite surprising since the company expects the hybrid version to have a gas mileage rating of 42 miles per gallon.

The hybrid version will have 30 percent less emission than its competition in the market. This means that the vehicle cannot only provide good performance but also reduce the emission of gases that contributes to global warming. Aside from these, the construction of the vehicle will also bring good news for Wales. The new facility in the country will create more than 200 jobs over the next three years of operation.

In the facility?s first year, the company is planning to hire thirty engineers. Production-wise, the new facility is expected to produce a hundred Connaught Type Ds in its first year. On its second year, production will be raised to 250 units. On its fifth year, the company aims to produce a thousand units at the assembly plant.

Anthony Fontanelle is a 35-year-old automotive buff who grew up in the Windy City. He does freelance work for an automotive magazine when he is not busy customizing cars in his shop.

Kentucky Home Buying

Maybe you?re buying your first home in Kentucky, or perhaps you?re relocating to Kentucky from another state. Either way, it?s important that you educate yourself on Kentucky home loans before shopping for a home and mortgage. This article explains what you?ll need to know before buying a home in Kentucky:

The price of homes in Kentucky varies widely between zip codes. For example, in Louisville, Kentucky, the median price of a home in 2005 was $225,000; however, in Lexington, Kentucky, the median price of a home was $156,000. In 2004, the median home cost was for the entire state of Kentucky was $179,000. Additionally, in the last few years, average interest rates on home loans in Kentucky have been higher than the national average.

The rate of job growth in Kentucky is lower than the national rate, and the number of bankruptcies and foreclosures is higher than the national average. The rate of home appreciation in Kentucky is also lower than that of the nation. Homes in Kentucky appreciate at less than half of the rate of average national appreciation.

Kentucky is one of the many states that have enacted laws in order to counteract the rate of predatory lending. Kentucky?s high-cost home loan law subjects loans that are considered high-cost to certain regulations. High-cost loans include mortgages in which the total points and fees required to be paid by the borrower at closing exceed eight percent of the total loan amount and residential mortgages in which the APR exceeds the Treasuries securities rate by eight percent on first mortgages and ten percent on second mortgages.

Kentucky high-cost loan laws apply to purchase, refinancing, and second mortgages. Lenders may make high-cost home loans, but they must abide by certain restrictions. For example, lenders may not collect repayment penalties after the borrower has owned the home for three years, they may not create a repayment schedule that results in an increase in the principal amount owed, and they must reasonably believe that a borrower will be able to make the payments on their mortgage.

Because Kentucky officials are attempting to counteract predatory lending practices, the penalties of not abiding by Kentucky high-cost home loan laws are very strict.

Jessica Elliott recommends that you visit Mortgage Lenders Plus.com for more information about Kentucky Mortgage Rates and Loans.

Bassinet Strollers For Perfect Mobility

French Agency Releases Ufo Files: Don't Start Serving The Crepes Just Yet!

CNES and Geipan placed over thirty years worth of UFO investigation materials online as of Thursday, March 22, 2007. CNES is the official French Space Agency and Geipan is an agency of the French National Police. Are the files a hot Smoking Gun, or just another order of cold French Fries?

CNES receives about fifty to one hundred UFO reports each year. The investigative process they use is convoluted and quite different from what most Americans would expect. Geipan apparently does most of the field work, prepares reports and passes everything on to CNES. Scientists and Engineers take a look at that data and prepare some sort of final report or appraisal of the matter in question.

Jacques Patenet, the aeronautical engineer who heads the office for the study of on-identified aerospatial phenomena has said that he data that we are releasing doesn't demonstrate the presence of extraterrestrial beings. But it doesn't demonstrate the impossibility of such presence either. The questions remain open.

On the day of the announcement and press conference, CNES security was tight. While calling the release ?a world first? and glowing over his nation?s openness about the UFO subject, Patenet failed to explain the need o screen out uninvited UFOlogists as an explanation for the added security. This hardly provides evidence for anyone to believe the agency?s files represent a fair and unbias look at the phenomenon. However, compared to the actions of their American counterpart, this is like allowing people to walk into French Intelligence Headquarters and browse through their files.

Every time American UFO Researchers ask their own space agency for any information about astronaut encounters or unusual phenomenon encountered by space probes, NASA clams up and sends out the debunkers en force. Although many Astronauts have been forthcoming and very honest about what they have seen in space, the space agency always slams the door on them. More than a few have been hit right between the eyes by NASA which claims that the Astronaut statements were the results of space sickness, fatigue or depression. But before we give the French too big a pat on the back, let?s look at what?s being released.

The CNES-Geipan reports only represent what people have reported to the French Government as UFO sightings and encounters. This is in no way, shape or form a release of information that allows us to examine all that the French know about the phenomenon. Although the investigations have obviously been handled in a more competent and professional manner, this is really little more than a French version of the U.S. Project Blue Book Report.

We have seen these types of releases before over the past several decades. In each case, the information came from individual government agencies, not the government itself. I recall when everyone got all excited about the release of the KFB files on UFOs. I was unimpressed. That?s because I received official Russian News Articles and private newsletters published in countries once controlled by the Soviets for years before that release. These were sent to me by serious researchers in those countries who appreciated receiving materials from me.

Thanks to the efforts of Russian language students who donated their time, most of what I received was quickly translated and contained a huge amount of information about the UFO phenomenon in Russia and Eastern Europe. Ironically, I could not find a single incident mentioned in those articles and newsletters that matched any in the KGB information releases. I felt then and now that the information I received from those individuals was as good or better than most of what was released by the KGB.

In 1989 I had the opportunity to meet Marina Lavrentrevna Vasliyevna Popovich at a press event in New York City. Marina was a pilot in the Soviet Air Force, holder of thirteen world aviation records and a former Test Cosmonaut. She spoke of personal UFO encounters and those she had heard about from other pilots. While the information was fascinating, it was not anywhere near the best that her government had to offer about UFOs and Extra-Terrestrial Life. UFO Researchers would be wise to view the CNES-Geipan information in the same manner.

Like America, France is known for having two faces. Their public face, and the one they use for behind the scenes political posturing. A good example of this recently came to light when it a secret communication between France and Israel was leaked to the press. While publicly condemning Israel?s advance into Lebanon not long ago, the French Government secretly encouraged them to invade Syria and institute a regime change. The USA plays the same games.

During the 1990s, President Clinton announced that the government had allowed secret radiation tests on American Citizens. All he admitted was that small amounts of irradiated materials were released into population centers or planted on soldiers during military exercises. No one believes that was all of it and everyone already knew about military exercises held during and very close to atomic bomb tests. Clinton certainly did not make mention of how the CIA implanted tiny devices into the heads of U.S. and Canadian psychiatric patients for over twenty years without permission. Nor did he discuss any of the other government mind control or remote viewing projects which have left large numbers of victims in their wake.

Information releases like the latest from CNES and Geipan can only be helpful in terms of research and data, but no one should give France, Russia or any other nation credit for what should have been done all along. It would be a mistake to offer nations like these kudos for releasing bits and pieces of UFO and other paranormal research data when so much still remains secret.

You can view the CNES-Geipan website at http://www.cnes-geipan.fr/

About the Author:

Author: Bill Knell Word Count: Approx 990 About Bill: Bill Knell is a veteran UFO and Paranormal Researcher, popular Speaker, Author and Consultant. Permission is granted to use this articles (per terms of use at http://www.ufoguy.com) at no charge with the inclusion of a link to or publication.

Housing Starts Fall 2.5%

The building of new homes has fallen to the lowest level in nearly two years, according to the Commerce Department on Wednesday.

Housing starts fell 2.5% for July to 1.8 million on a seasonally adjusted annual basis. This marks the fifth decline in housing starts in the last six months. It is also the lowest level seen in construction of new homes since November 2004.

Economists had expected a decline, just not as large as today's report indicated.

Building permits fell drastically in July, by 6.5% to 1.75 million units. This is the largest drop seen since September of 1999. Building permits are an indication of future construction activity. Permits are at the lowest level since August 2002.

The Commerce Department also revised June's housing starts downwards, to an annualized rate of 1.84 million, down from 1.85 million.

When compared to one year ago, housing starts are down 13.3% for July.

The confidence of US home builders has continued to fall, according to the National Association of Home Builders. At 32, confidence is at the lowest level since 1991.

Economists agree that the housing market is changing. The debate continues as to the size of the decline and the potential impact to the economy.

Martin Lukac represents http://www.RateEmpire.com and http://www.1AmericanFinancial.com, a finance web-company specializing in real estate and mortgage rates. We specialize in daily updates, mortgage news, rate predictions, mortgage rates and more. Find low home loan mortgage interest rates from hundreds of mortgage companies!

Go to the Mall and Hit a Home Run with Sports Fans

Buying gifts for the man in your life can sometimes seem like a daunting prospect. If you're in the dating stage of the relationship, you may be leery about buying him a gift that's either too personal or too expensive. If you've been in a committed relationship or have been married for several years, you run the risk of buying him a gift that's utilitarian but unimaginative. Even though he may want a new set of drill bits for his birthday, that kind of gift won't add sparks to your relationship. If you're mate is a sports fan, though, you can find a number of gifts that communicate your thoughtfulness - particularly if you don't share his enthusiasm for NASCAR, the NFL, or the NBA. Going to the mall and finding a sports-related gift will communicate that you recognize and respect that sports are important to him.



If he's a fan of a particular team, a leather jacket with his team's logo on it would make a perfect gift. While he may not appreciate tickets to the theater, he would certainly treasure tickets to a local major league game. There are also a number of gifts you could buy that would make him more comfortable while he watches the games at home. You could buy him a stadium blanket, a special bowl for his favorite half-time snacks, or a set of mugs so he and his buddies can toss back beverages while they watch the game.



If the man in your life is more of an outdoor sportsman, the range of potential gifts is virtually limitless. A GPS system can help him navigate through the wilderness or to his favorite fishing hole. Binoculars or other surveillance equipment would be welcomed by bird watchers and hunters alike. Although he's not about to take a stereo with him when he's roughing it, an MP3 player will keep him company while he's away. A sportsman also finds that quality pocket knives or hunting knives also come in handy. And whether his idea of outdoor fun is a wilderness adventure or a backyard barbecue, waterproof cameras are always a welcome gift.



When you get your sports fan or sportsman a gift that reflects his interests and hobbies, you're demonstrating that you understand and support him. Most men would never admit it, but that kind of validation makes him feel appreciated and loved.



While you're at the mall selecting his gift, you might also want to give some thought to picking up a few items to distract him from the Sunday games. A few pieces of lingerie, a bottle of nice perfume, and some jewelry - pearls, perhaps - might be just the thing to turn his attention to you!


About the Author

Chris Robertson is an author of Majon International, one of the worlds MOST popular internet marketing companies on the web.

Preserving Memories Through Scrapbook Journaling

This summary is not available. Please click here to view the post.