Family Trouble for the Holidays!

March 21st, 2008

Christmas is not a happy time for homeowners about to lose their homes.

Statistics show an unprecedented number of homeowners delinquent on their mortgage payments or in foreclosure this holiday season.

On one hand, interest rates have gone up 25-50% since the Fed started raising interest rates. Those adjustable rate mortgages taken out during the refinance extravaganza of 2001-2003, are adjusting with a vengeance, sending mortgage payments zooming.

On the other hand, the sizzling housing market has dramatically cooled off in many areas, including New York and California.

This means that borrowers will not be able to refinance their exploding mortgages to get lower payments, to say nothing of being able to take cash out to pay their credit card or mortgage delinquencies.

Millions of homeowners are being squeezed by their mortgage payments. One hiccough, an unexpected bill, a layoff of one breadwinner and they will be in danger of losing their home.

If you are facing this dilemma, you must act quickly to save your home.

There are government programs as well as programs offered by the banks themselves that can help you.

As quiet as it is kept, your lender and the government stand to lose money if they cannot help you! Taking back your property and selling it at auction, will probably result in their taking a loss, especially with the housing market softening as it is now.

I have seen estimates that banks lose between $30-$50,000 on a foreclosure.

Before you shed any tears for them, know that they have the ability to throw that loss back onto you, as you will see.

To help prevent the loss of your home, banks may give you a payment moratorium to allow you to catch up. Or perhaps restructure your mortgage so that your payments are lower.

In some cases, government agencies will give you money to make your delinquent payments in the form of a grant that you don’t repay!

Unfortunately, these programs are not advertised and the problem is that each lender or government agency has its own maze of rules and requirements making it difficult for homeowners to find and qualify for these programs.

But you must still make the effort, with our without professional help. If your home does not sell at auction for the full amount of the mortgage and all the other legal, administrative, management fees etc. the bank adds to your mortgage, they can get a deficiency judgment against you, in many states.

Armed with this judgment, they can come after you and take anything of value that you own, even garnisheeing your wages!

If they cannot get the money from you; they will write off their loss on their taxes, generating an IRS form 1099-M to you.

The IRS considers the amount of their loss, as shown on the 1099-M, as income to you and will add it to your income for the year. You’re expected to pay the additional taxes owed in cash with your next return.

You cannot let the bank take your house.

If you are delinquent in your mortgage payments this Holiday Season, don’t ignore them. You could be setting yourself up for many Unhappy Returns. Talk to your lender as soon as possible.

Bill Young - EzineArticles Expert Author

Copyright 2005 Bill Young. Bill is a former bank mortgage officer and is a personal financial consultant. He can help you save your home. Contact Bill at 877-291-3642 or at http://SaveMyHomeLLC.Com If you know that you cannot or do not wish to stay in your home and want someone to take over your mortgage payments so that you can move on without facing the dangers of a foreclosure, visit:
http://WeTakeOverYourPayments.Com

Choosing the best sites for your wedding and reception

March 21st, 2008

The perfect wedding day has been pictured in your mind and
dreams almost your entire lifetime. If you’re like most, you may
already have a vivid picture of how you want your wedding and
reception to look even down to the last detail such as which
flowers are going to be included in your flower arrangements and
decor. But did your daydreams and imaginings include where you
want to the sacred event to take place and where you are going
to celebrate your union with family and friends?

If not, there are a few things to keep in mind when selecting
the perfect spot to hold your wedding and reception: budget,
amount of guests, theme and type of wedding, and whether or not
you want your ceremony and reception at the same location.

Let’s start with the budget first. By keeping in mind your
budget throughout the whole decision making process, you can
prevent heartache in the end. Suppose you found the perfect
dream wedding spot only to learn that you could not possibly
afford to hold your wedding there? Likely if you chose to have
your ceremony in any other spot it would pale in comparison and
be a disappointment when compared with the one you couldn’t
swing.

On the other hand, what if you threw caution to the wind and
indulged in the more expensive site? In this case, you might
become bitter about your wedding day when the bills start to
pile up or when you have to forgo your honeymoon to cover the
costs. These two scenarios illustrate why it is very important
to evaluate the cost before investigating any particular wedding
or reception site. If it’s over your budget, don’t even look at
it.

Your theme and type of wedding are also very important when
choosing the perfect spot for your wedding nuptials. If you are
having an informal country wedding, it would not make much sense
to book an elaborate reception hall. A better choice may be to
have an outdoor reception on a farm complete with a bonfire,
country band, and wagon rides for the little ones.

If you’re just looking for a little inspiration and a list of
great wedding sites to investigate, your local chamber of
commerce can supply you with sites, historical and modern, that
can be rented for functions such as weddings. This may be a
great help when you’re trying to find a spot for your wedding
that is unique and truly reflects your personality.

Remember, it’s your wedding and your dreams. Do not give in to
family pressure or be tempted to take the first place that comes
along. Do your homework and you will be guaranteed to realize
the wedding of your dreams.

Don’t Make These Common 4 Online Affiliate Mistakes!

March 21st, 2008

Myths concerning affiliate marketing are appealing and attractive. People who do not know the entire system the wrong way round are prone to believing that it is something capable of giving them great fortune overnight. Stories concerning affiliates who earn tremendous amounts of money swim in their heads, and while these stories are as true as they can be, there are those who believe that they are going to have the same fortune once they indulge in this particular business.

It is true enough that affiliate marketing is financially rewarding. People who have gone through everything to be able to succeed in this business are reaping the seeds that they untiringly sowed. Many of them enjoy the kind of existence that was not possible for them to have had under ordinary circumstances. Having gone through the A-Z of affiliate marketing, however, these people are the ones who know that while such business is lucrative, there is absolutely no easy money in it.

Ignorance of this fact is one of the main reasons why there are people who fail miserably in the internet business. There are those who believe in myths concerning the easy money involved in systems such as affiliate marketing. They do not know that there are those who have wasted time, effort and too many resources in trying to pursue the life of ease that they believe this business will give them. And so they go into affiliate marketing armed with nothing but myths and fantastical notions of wealth swimming in their consciousness, never realizing that they bound to make mistakes that would prove to be their downfall.

What may be the reason why in businesses such as affiliate marketing, many are called but few are chosen? Perhaps the answer lies on the fact that many affiliates make mistakes that result from their ignorance of facts concerning how the entire business runs. Affiliate marketing is not as simple as an affiliate promoting a merchant’s wares through his website and getting paid for it. It is also about knowing the market and the customers at hand.

Discovering what the most common mistakes affiliates make can perhaps dispel the gloom about myths surrounding affiliate marketing by correcting some wrong notions about it. It might also be able to make those concerned understand that like any other business, there are dos and donts involved in this one if they want to make each of their steps count. The first common mistake affiliates make is their lack of knowledge concerning principles involved in their business. This refers to the affiliate’s knowledge of search engines in particular.

Affiliate marketing involves advertising, and advertising through the internet could not have been better without the existence of search engines. What every affiliate has to do is to make these search engines his best friend through studying search engine optimization closely. This way, he is able to know what to do in connection with building a better website to ultimately use for his business.

The second is that affiliates make the mistake of stuffing their sites with banners that do not provide enough information about the product at hand. The best way to battle this mistake is to provide good content hand-in-hand with such banners. It is important for customers to know and understand the features of a product, and good content will be able to help them realize this goal.

The third is that there are affiliates who make the mistake of promoting only one product. Consequently, customers are not given enough options to choose from. There is also the risk of generating fewer sales as compared to having more options for customers ponder about. It is always better to give them a few better alternatives than to give them only one.

The fourth is that there are affiliates who make the mistake of promoting too many products. As a result, customers are confused and end up beyond making a choice. It is perhaps good to give them only the best choices. This is because it is ultimately up to them to judge which one is the best for them to patronize.

All in all, affiliates that are doomed to fail in this business are those who do not exert enough effort to understand everything involved in the industry that they are in. Knowing their path step by careful step will prove to be beneficial to them, as there is no other way to succeed than to go through any path slowly but surely.

Author is writter for sites such as Information
Today

Article Submission done by: www.articles-submit.com

Courtesy of:Article Search Online

Himalayas Trekking

March 21st, 2008

Himalayas, the world’s highest mountain range, has some of the most spectacular lakes, glaciers , forests and wildlife . The high mountain peaks lush green valleys, alpine forests and gushing rivers have inspired many a poet and artists. There are a so many adventure treks in himalayas which attracts to tracker for adventure tour in himalayas. Some adventure treks for trekking in himalayas are given bellow:

Markha Valley Trek: Trekking along the Markha River through “Little Tibet,” one of the world’s highest inhabited plateaus, you take in spectacular views of the Great Himalayan, Ladakh and Zanskar ranges.

Har Ki Doon Trek: Har-ki-Dun is situated in the Western Garhwal Himalayas, at the base of Fateh Parvat. This cradle shaped valley, South-east of Jaundar glacier is surrounded by dense forests of pine, deodar and other coniferous trees. It is totally covered by a blanket of blue and purple flowers. The surrounding forest is rich in wild life and exotic birds and forms part of the Govind Wildlife Sanctuary & National Park. The main snow clad peaks visible from here are Swarga-Rohini, Bandarpunch and Kala Nag.

Dodi Tal Trek:: Dodi Tal lake in Garhwal Himalayas - mysterious, alluring, and simply beautiful !
It is at an elevation of 3024 meters above mean sea level, north of Uttarakashi. Crystal clear waters are surrounded by dense Oak Woods, Pine, Deodar and Rhododendrons.

Valley of Flowers:
The snow on the Himalayas add majesty to the mountains and the innumerable flowers add to its beauty. This famous spot is not very difficult to reach. When the sun shines hot on this field, thousands of flowers bloom here. Tourists from all over the world come here. This valley was unknown till a British mountaineer Frank Smith first discovered this place.

Vinita Negi

If you are know more about adventure treks in garhwal then you can find complete information on himalayas treks with trekking routes at here: http://www.trekkingingarhwal.com/

Pay Off Debt - Get Out Of Debt And Lower Your Monthly Payments

March 21st, 2008

Debt consolidation can be confusing, especially if you have never considered contacting a debt consolidation company before. A debt consolidation company can give you free advice on reducing your monthly payments and show you the path to becoming debt free. High interest rates and the various fees charged by creditors can leave the average consumer unable to meet their monthly financial obligations. If you have found yourself overwhelmed by credit card debt and unsecured loan payments, debt consolidation may be the answer you have been looking for.

The services offered by debt consolidation companies will not eliminate your debt overnight, but they will assist you in lowering your interest rates and monthly payment amounts. Debt consolidation is not an instant cure for your financial problems, but rather a tool that is available to consumers who can no longer afford the high payments and high interest rates charged by creditors. Instead of making high monthly payments to your creditors, you can drastically lower the interest rates on your accounts and lower your monthly payments.

If you are currently making the minimum payments on your credit cards and struggling to pay off loans, medical bills, and other unsecured debts, a debt consolidation company can give you a free evaluation of your financial situation and contact your creditors on your behalf to make new arrangements for the repayment of your debts. Debt consolidation is not a new loan; it is a re-negotiation of the terms of your original accounts. In utilizing the services of a debt consolidation company you can pay off your debts in a much shorter time and pay less money each month.

Protect your credit rating and start down the path to financial freedom. Debt consolidation services are often the best answer for millions of consumers who have become unable to pay more than the minimum amounts on their credit cards. If you continue to pay small monthly payments you could spend decades trying to become debt free. Contact a debt consolidation company now and begin dramatically reducing your debt today. Free consultations and friendly, professional service make consolidating your debts easy. You can start saving money each and every month and become debt free in a much shorter period of time.

To view our list of recommended companies for debt consolidation visit this
page: Recommended
Debt Consolidation Companies.

Carrie Reeder is the owner of ABC Loan
Guide, an informational website with articles and the latest news about
various loan topics.

The Best Way to Reinstall Windows Without Losing Data

March 21st, 2008

At some point during the course of your computer’s use, you will find yourself in the unenviable position of having to reinstall Windows. There are many reasons for this. Perhaps important system files got corrupted or disk errors or viruses caused your system to become unstable.

This is all a result of wear and tear on your PC. When that time comes, you will have to not only know how to reinstall windows, but how to reinstall windows without losing data. Here we refer to a fresh install of Windows and not simply an attempt to repair a few files.

1. Your Vendor’s Restore CD

The first step in knowing how to reinstall windows is to locate your vendor’s restore CDotherwise known appropriately enough as a rescue or boot disk. Windows comes with its own rescue CD as well. If that’s the only one you have at your disposal then locate your operating system’s instructions below.

Rescue CDs are not all alike. Some give you rescue functions as well as important software drivers for your computer. Others are more basic, only allowing you the ability to reformat your hard drive. Don’t reformat your hard drive without backing up your personal files to another medium first! Your personal files are those located under ‘My Documents’ in Windows. The exact location of your personal files and folders varies from one operating system to another.

In Windows XP, for example, you will backup everything in C:Documents and Settings. In Windows 98 and ME, you will backup C:My Documents. More instructions follow below for your particular system. If you have any other folders where you’ve stored personal stuff back those up as well.

2. Windows 98 and ME CDs

With Windows 98 and ME you don’t want to just reinstall windows without backing up important system information. This information can be found in your Windows folders.

First create a new folder on your C: drive and name it oldWindows. Then use Windows explorer to navigate to your Windows folder. Once there, locate the following subfolders: All Users, Application Data, Desktop, Favorites, Local Settings, Profiles, SendTo, and Start Menu. Copy these folders to the oldWindows folder you created.

Now it’s time to reboot. Restart Windows with your boot disk Upon startup select Start computer with CD-ROM support. Drivers will begin loading so go ahead and insert your Windows CD-ROM.

To reinstall windows properly you will need to delete your directory tree so type c:windowscommanddeltree /y c:windows and press the Enter key. After that you need to invoke the Windows setup installation procedure located on your Windows CD. Type your CD drive letter and then type setup.

Next get into the DOS prompt from Windows and type

xcopy c:oldWindows*.* c:windows /s /h /r /c.

This will restore all important system information.

3. Windows 2000 and XP CDs

If you have Windows 2000 and XP you need to know how to reinstall windows properly as well. Insert your Windows CD and boot your computer. Upon startup you will see Press any key to boot from CD.

After clicking you will come to the welcome screen. Press Enter, then press Escape to start a restore. From the menu options select C as your current partition and then l to delete the Windows folder. Enter temp as your user name when prompted. Reboot and you will be logged in as temp.

Next you will restore your personal files. Windows 2000 users should login as temp, then Administrator and then back to temp again. Then navigate to C:Documents and Settings and you will see an Administrator folder and one with Administrator: computername.

From DOS type cd documents and settings and then press Enter. Type xcopy administrator*.* administrator.computername /s /h /r /c, substituting for computername your folder that was appended to Administrator earlier. Your personal files will be restored.

4. For Both Windows XP and 2000

Windows XP and 2000 users need one extra step to know how to reinstall windows correctly. Create a new folder on your C: drive and label it oldData. Then go to My Documents and Settings and copy all of the folders for each username to oldData.

In Control Panel go to User Accounts and create a new account for each of these usersuse their names as spelled out under their Documents and Settings folders. If you’re using XP ensure that at least one account has Administrator privileges.

For each user on your computer, log off and log in with that user’s name. Then login as Temp and drop down into the DOS command prompt interpreter. Now type

xcopy c:oldData*.* “c:documents and settings” /s /h /r /c

Then press Enter. Go ahead and confirm that you want to overwrite files. When you’re done, log off and then login as each user. Each user’s Documents and Settings should be restored.

5. Finishing Up

After you install windows you need to install other software too, like drivers and Windows Updates from Microsoft’s web site. Check for any graphics drivers that you may need to install from a vendor CD.

Look for all of your old personal files and make sure that they are all there. If not, check the C:oldData folder and move the files to the correct location. Once you are absolutely sure that you have everything you can delete both the oldData folder and the Administrator folder.

Conclusion

It may have come as a surprise to you to learn that you can reinstall windows without having to wipe out your hard drive. With a fresh install of Windows you can restore to your computer the speed and efficiency which it had when you first bought it.

A fresh install will do wonders for your computer’s performance and will be better for your system than a simple repair. In order to save your personal files you simply need to create temporary folders as we outlined in this article and restore them back into the new installation.

Gary Hendricks runs a hobby site on building computers. Visit his
website at http://www.build-your-own-computers.com for tips and
tricks on assembling a PC, as well as buying good computer components.

What Would You Do If It Happened To You? Thoughts About Thinking And Self-Defense

March 21st, 2008

In this article I want to share a few ideas about mental preparation and some correspondence I recently recently received from subscribers to my self-defense newsletter. I’m hoping it will provide some context to your “self-defense readiness” and generate some thinking.

Self-Defense Performance Is The Result Of Mental Maps

I wrote about mental maps in “The Nuts And Bolts Of Awareness.”

Our awareness, understanding, decisions, predictions and behavior are directed by the “mental maps” we have about the way the world works. Our knowledge, beliefs, experience and habits are “packaged” in the form of mental maps (also called cognitive blueprints or schemas).

If those “maps” are detailed and accurate, you dramatically increase the probability of effective performance in high-stress situations.

If those maps are inaccurate, have gaps or are missing all together, you run the risk of an improper reaction, over reacting, under reacting or not reacting at all.

We have a term for that in self-defense training. Its called “NOT GOOD!”

Thinking Is Impaired By Stress

What makes matters worse is that people aren’t particularly “smart” in high-stress, urgent, threatening situations. At times like those, you are not operating in the same mental state that you are in while you sit here reading this article.

When the “Fight or Flight Response” (sympathetic nervous system) is activated, your ability to think creatively and logically is impaired. That increases the potential for confusion and mistakes during a dangerous situation.

Invest In Your Safety With Pre-Thinking and Debriefing

Science and psychology confirm that mental rehearsal or visualization has a huge impact on improving our physical and mental performance.

The good news is that self-defense encounters don’t happen often. The bad news is that self-defense encounters don’t happen often! Huh? Before you read that again, let me explain…

Its hard to “get good” at something that never happens. Unlike other activities requiring experience and skills development, you can’t rely on repeated exposure and previous events when preparing for a violent encounter. So how do you improve your self-defense effectiveness?

Physical practice is “part” of the answer… Especially, when you participate in role playing scenarios that simulate the types of situations that you might encounter. But even that isn’t enough to really get “street smart.”

What you need to do is create self-defense scenarios in your mind. You need to “pre-think” and decide in advance about what you would do in a critical situation BEFORE it happens.

Think about situations you are most concerned about or likely to encounter and what you would do if they did.

Don’t just leave it to luck. You can’t “worry about it when the time comes” and hope to perform effectively. Remember, your brain is impaired by stress, panic, and confusion! Without some sort of game plan, its unlikely that you will perform well.

The question to ask yourself is, “What would I do if… (and then insert your most likely or bothersome scenario).

Debriefing is what you do AFTER an incident or “close encounter.” Don’t just walk away from a threatening situation and hope that it never happens again. Think about it, analyze it and learn from it. Ask yourself two questions:

* What did I do right?

* What would I do differently if it happened again?

That way, even if you handled the incident poorly, you can benefit from it and improve your chances doing better if something similar happens in the future. That, my friend, is the essence of developing effective personal safety skills.

An Email Example Of Effective Debriefing

After reading my “Tough or Smart” article, a subscriber sent me an email about an incident he was involved in.

Even though things turned out OK, the experience continued to bother him and he found himself second guessing his actions and wondering if he should have done something differently.

He began to worry that if something similar happened again, he would be just as confused as he was the first time. As far as he was concerned, the incident was unresolved. I commend him for asking the questions and looking for answers.

If you don’t ask, you won’t know! Whether you reflect on the matter yourself or seek an outside opinion (as Joe did here), it is important to examine the event and learn from it.

Be careful however, about seeking the opinion of someone who does not have the background or qualifications to be offering you advice about anything!

You’ll get all kinds of “ham and eggers” more than willing to give you their off-the-wall advice about what THEY would have done… (you’ll see examples of “bad advice” in the correspondence below)

With his permission, I’ve included our correspondence in this newsletter. To protect his privacy, I’ll refer to him as “Joe.” (Pretty creative huh? ;-)

I’d like you to read this correspondence from two perspectives:

First, read what happened and put yourself in his shoes… What would you do if the same thing happened to you?

Secondly, read it analytically and observe the “process” involved and the factors that impacted the situation. Stress, confusion, hesitation, second guessing?

Imagine the difference between a “prepared mind” and the mind of someone who thought that something like this would never happen.

OK… I’ll shut up now and let your read the emails:

================================================================

Hi Randy,

I just read your new article about “Efficiency” or “doing the right thing” and I found it very interesting.

I just wanted to ask your expert opinion about something that happened to me.

Some months ago, I was driving my car with my girlfriend at 10:30 pm through a main avenue. Being a working day the street was almost empty, although well illuminated. Suddenly, while driving into an intersection we saw a robbery in progress.

A robber was stealing the purse of a middle age woman who was with a young man. A few paces away, another robber was waiting for the first one on a motorcycle ready to drive away. (This is the standard operating procedure for robberies in my town). The first robber already had the purse and was running away, but the young man was pulling the purse, trying to recover it.

I thought for a moment to speed up and hit him with my car in order to abort the robbery but on a second, and very quick, thought I considered the following. a) I could hit both the robber and the victim. b) If I hit the robber and he was severely injured, or worse dead, the complications would be major. c) If I prevented his escape, he may be forced to fight back and might hurt the young man. d) I didn’t want to put my girlfriend in danger, if something unexpected happened. e) The purse wasn’t worth the danger.

Of course, I didn’t rationalize that much at that moment. It was just a quick thought like, “hitting him is dangerous for everybody, the purse wasn’t worth it”. So I let them run away with the purse and called the police, but I’m pretty sure they didn’t catch them.

After that I felt bad, since I thought that maybe I should have done something else to abort the robbery and help the victims. I was relatively safe in my car and was driving a 3000 pound weapon. A lot of people have since told me I should have hit him, and I felt a bit like a coward. I worried that I didn’t choose to do the right thing.

I know that I’m not a coward. In fact, on another occasion I have not avoided a fight with a man much heavier and bigger than me to protect my girlfriend, although I’m a very very very reasonable and passive person. But when me or my beloved are in danger, I don’t hesitate to face the problem. Just in that particular case I decided that the right thing was to let them go. And in fact, I still believe that it was the best course of action, although I still have my doubts.

So, I wanted your opinion as an expert. What would be the best course of action in that situation? I don’t want to feel “justified” for what I chose to do, but really want to know the best thing to do in such a case, just in case it happens again.

I would be deeply grateful if you gave me your opinion about this, since I don’t know any other expert in “real life” self defense.

I’m hoping you help me with this. Thanks in advance for your kind attention.

Best regards,

Joe

===============================================================

Hi Joe,

Based on what you’ve told me, you did EXACTLY what you should have… and what I would have advised you to do, if you’d asked my opinion.

You are right, a purse is not worth the legal and civil hastles and the risk of “making matters worse” by over-reacting to a property crime.

Your decision NOT to attempt to ram the robber (and risk hitting the victim”) was a good one. Deliberately ramming into someone with a vehicle is considered a deadly force response and can only be justified if you reasonably believe that it is absolutely necessary to protect yourself or someone else from death or a serious life-threatening injury.

Based on what you’ve told me, the situation was NOT a deadly force encounter and you probably would have gotten yourself into as much legal trouble as the robber if you decided to turn him into a hood ornament!

It would be a different story if someone was being attacked and severely beaten. It would have been different if the assault was of a life threatening nature. Protection of life is our highest priority. Protection of property is not.

In that scenario, the best thing you could do is notify the police and be a good witness. Make note of their physical description, license number and direction of travel so you can provide that info to the police when they arrive.

But to endanger your own safety, the safety of your girlfriend, the safety of the victim and even the safety of the “dirt bags” doing the robbery, is not worth the value of a purse.

Purses and contents can be replaced. People can’t.

Your reaction after the incident is a normal one. Even when you do the “right thing,” its common to second guess yourself and wonder if there is something else you could have done.

Your scenario about fighting to protect your girlfriend Joe is a good one. By the sounds of it, your decision to stand up to your adversary WAS the right thing to do… Some things in life ARE worth fighting for and others are not. Its important to know the difference.

Your actions were definitely not “cowardly” Joe. If you ask me (which I guess you’re doing huh? ;-) you made a reasonable and effective decision in a stressful and challenging situation.

I think you made a wise decision Joe. Good job.

Randy

==============================================================

Hello Randy.

Thank you so much for your answer. Your comments about the situation were really interesting, since I’ve always been in doubt about this issue since it happened. I was not only trying to see if I did well, but also to know what is the best course of action in a situation like this one, because its very probably going to happen again sometime in my life. I think that the only way to react correctly to a challenging (and unusual for me) situation is to know in advance what is the right thing and instinctively react based on previous knowledge (and gut feelings, of course). That is why I found your answer so useful for me.

On the other hand, you are right, in some way I was asking you if I acted cowardly ;-) As I told you before, a lot of people told me I should ram the guy, when I told them the story. They told me that was what they would have done in that situation. And maybe they would, but I always thought that those people are probably more prone to an “action movie” reaction. By the way, I have to tell you that I’m a latin person, living outside US (that’s why my english is a little deficient), and you know how temperamental we latins are.

I’m very glad to have read your expert opinion about this, and to be sure now about the right thing to do in a similar case. Of course you may post our conversation in your forum and/or newsletters or emails. If this case could be useful for more people, I’d be very glad. Just remove my name and email address, but you may reproduce the rest of the conversation as you please.

Its good you are writing an ebook on this topic. I think that is very important for people to know as much as possible about those situations in order to react properly. I’m a subscriber of your newsletter, so I’ll know when you publish it.

Thanks again for your answer, and have a good day.

Joe

===============================================================

OK, Now Its Your Turn…

Time for YOU to do some thinking… If you want to share the results with me, I’d be honored…It could have a direct impact on the content and direction of future articles and information products. If not, at least do this exercise for yourself.

Here’s what I’d like you to do:

Write out the single, most likely or worrisome self-defense scenario that you can think of. Nothing bizarre or off-the-wall, but something you legitimately think you could encounter. What is the “ultimate” situation that you feel sparks your interest in self-defense and personal safety? What one incident, do you want to be prepared for if it were to happen?

In as much detail as you want, spell out a threatening, volatile or violent situation (real or imagined) that motivates your interest in self-defense training.

This could be a hypothetical situation or it could be something that actually happened to you or someone you know.

Don’t worry about coming up with a solution or explaining what you would do about it. Not at this point any way. Just spell out as specifically and conceretely and you can, the ultimate situation your are preparing for.

Who is the assailant or how many are there?… Would the person be known to you or a stranger? Would you be alone or with someone who could assist you or might need your protection? What would the “predatory intent” be? (what does your assailant want from you?) Where would it be most likely to happen. What time do you see it happening?

You might feel that exercises like this are silly or a waste of time. Maybe its too much work! I can tell you this, if something does happen and you haven’t given it any thought… stress, confusion, and the “Fluster Factor,” WILL impact your ability to do the right thing at the right time.

Consider exercises like this the equivalent of “Self-Defense Fire Drills.” Just imagine what would happen if a fire alarm sounded and you didn’t have a clue what it meant or how you were supposed to respond.

Enuff Said.

Take care, train smart and stay safe…

Randy LaHaie
Protective Strategies

Randy LaHaie is the president of Protective
Strategies and has been teaching reality-based
self-defense for over 30 years. He is the author
of several “Toughen Up Combative Training Guides”
(http://www.ToughenUp.com)

Subscribe to his FREE SELF-DEFENSE NEWSLETTER at
http://www.ProtectiveStrategies.com

Low-Carb Pastry Pizzazz

March 21st, 2008

This delicious treat adds only 1.9 grams of carb for a Superb
Roll of any size. Just add a glaze to the rolls once they are
baked. While the rolls are baking, make or of the below
mentioned glaze. Apply the glaze thinly with a pastry brush to
the tops of the hot rolls. It will set within minutes. The rolls
will freeze well, even with the glaze. Thaw at room temperature
or follow directions for heating in the oven. Glaze

SERVING SIZE ,icing for 1 cookie. Carbs per serving 0.5 gram of
carb. Number of servings: 280 Ingredients: 1 egg white (or 3
Tablesps sterilized egg white) 1 cup powdered sugar (unsifted) 3
Teasps vanilla extract

Put the egg white and powdered sugar in the bowl of your
electric mixer and beat on high speed until the sugar is
absorbed and the mixture thickens a bit: scrape sides of bowl as
needed. Mix in the vanilla extract. Apply icing with the tip of
a knife or a small brush. The icing dries quickly, particularly
over freshly baked cookies, rolls, and so forth. Store unused
frosting, covered, in the fridge. Always stir well before using.

Ingredients: cup cold water plus 2 Tablesps (very important) 6
Tablesps butter ( stick) cup vital wheat gluten flour 1/3 cup
unbleached, all-purpose wheat (white) flour trace of salt (two
light shakes or to taste) 3 eggs * 1 egg white

Preheat oven to 420F. Have ready one large, nonstick,
heavy-gauge metal cookie sheet. Put the water and the butter in
a heavy 2-quart saucepan, preferably with a rounded bottom, over
medium heat. Occasionally stir the mixture while you wait for
the butter to melt.

Meanwhile, thoroughly combine the two flours, and a pinch of
salt in a medium-mixing bowl.

As soon as the butter has melted and the mixture begins to
simmer, add the dry mix all at once, and stir vigorously with a
wooden spoon. Within just a few seconds, the dough will become
smooth and leave the bottom and sides of the pan. Keep stirring
until no flour shows. Cook for about 10 seconds longer and
remove from heat.

Put the hot saucepan on a cold burner or other safe surface.
Stir in the eggs, one at a time, mixing well after each
addition. At first the dough will appear lumpy. When the whole
eggs have been added, the dough will be smooth. It should be
creamy and hold peaks with almost no settling. Work in the egg
white. Now the dough will be just right; it will still hold its
shape, but in softer peaks. It should form mounds that do not
spread on the cookie sheet, but sink back and broaden out
slightly. Occasionally, you may need to make a judgment call.
Depending on the size of the eggs, the dough may be sufficiently
soft even before you add the final egg white. In that case, omit
the egg white or add it by the Tablesp. The right consistency
makes the best rolls. Dough that is too stiff results in smaller
rolls; dough that is too soft (i.e., spreads out wide on the
cookie sheet) may result in flat rolls.

If you like, use your electric mixer to work in the eggs. Simply
transfer the hot dough from the saucepan to the mixer bowl and
beat in the eggs, one at a time. Do not over beat because if you
do, the rolls may develop large air pockets. Use a flat beater
if you have one.

Put spoonfuls of dough on the cookie sheet, choosing the size
you prefer. Use large Teasps or even soupspoons to drop the
dough. Place them fairly close together.

Bake the rolls for about 25 to 28 minutes or until they are
golden brown and crusty on top. Promptly freeze rolls that you
do not plan to use the day they are baked. Take them out of the
bag to thaw at room temperature. You can also put the frozen
rolls in the oven, set at 350F (no need to pre-heat),
and bake for 5 minutes. You can toast rolls (slice in half), but
you need a wide-slot toaster or toaster oven. The rolls toast
rapidly, so use the lowest setting.

Save unused rolls in a dry place until rock hard. They will be
used for Magnificent Bread Crumbs.

Plan for the Event or Flounder

March 21st, 2008

Rather than being there to eat the food and drink the drinks, planning before attending an event will change your view.

Have you ever attended an event and seen all the people gravitating towards the food and the drinks? That is the first thing people seem to go for. Well, it is natural, especially if you are there alone and do not know anyone. It seems that food and drink are there for comfort. It is really difficult to talk to anyone with a mouthful, so if you can, stay away from the food, but certainly go and get a drink. You can still give your pitch with a drink in hand.

Take a look at your calendar before you head off to one of these events. You will need to know from memory when you are free for a follow-up appointment. This is part of the preparation you need to do before getting there. Then you can make a date and know there is no conflict with other items on your agenda. Nothing is worse than setting an appointment and finding out that you already have scheduled someone else in that time slot. It may seem like a good excuse for a follow up, but it usually does not bode well with a potential client.

You do not want to partake of any conversation that is whining about some guy that can never get anything straight. Just remember that you are at the event for one purpose and one purpose alone - it is not to eat and drink - it is to gain new business relationships and maybe cement some of the existing ones you have. The more visible you are and the more prepared you are, then the more likely someone will want to talk to you. You should also plan on how to get into private conversations without barging in and losing the flow of information.

Have you ever gone to an event and not worn the correct attire? Part of planning an event (seeing who will be attending) is to also research the nature of the event. Does the weather have an effect on who attends? Does the required dress have an effect on where it is held? Who will be leading the event and how are they regarded? What attitude does the event portray? It all comes down to knowing your audience and researching the event before you attend.

Bette Daoust, Ph.D. - EzineArticles Expert Author

Bette Daoust, Ph.D. has been networking with others since leaving high school years ago. Realizing that no one really cared about what she did in life unless she had someone to tell and excite. She decided to find the best ways to get people’s attention, be creative in how she presented herself and products, getting people to know who she was, and being visible all the time. Her friends and colleagues have often dubbed her the “Networking Queen”. Blueprint for Networking Success: 150 ways to promote yourself is the first in this series. Blueprint for Branding Yourself: Another 150 ways to promote yourself is planned for release in 2005. For more information visit http://BlueprintBooks.com