You Can Apply for Free Government Money with Bad Credit

Once you have bad credit it seems that it's hard to get out that financial situation. May be you accumulated personal debt, you received and unexpected medical bill or you just want to pay for college. Normally you have to pay higher minimum payments and you get the highest interest rates.

The good news is that most likely you can get free government money. You have to be at least 18 years old, US citizen or legal alien. You could be one of those people who receive thousands of dollars as grant money. There are billions of dollars available from the government each year.

This is free money, it's not a loan. You will never have to pay it back. It doesn't even matter if you have bad credit. Even if you declared bankruptcy in the past you can still apply for free government money.

Most people are unaware of how much money they could receive. Free grant money is not advertised. Banks, mortgage companies, credit card companies, hospitals, doctors have no interest in telling you that you might be eligible for free money. They just want you to pay the bill.

There are tenth of thousands of grants available to help you to get out of your stressful financial situation. You can pay medical bills, pay for mortgage, pay for your education or spend this money for your business and a lot more.

Take advantage of these government grants programs, you will be surprised the large number of grants available for you. You can find all the information you need including the grant application process online.

What Do I Do To Make My Wife Happy

We had our wedding anniversary a few days ago. That made me think that if I still make my wife happy. We have been married for 22 years and we had our ups and downs I guess just like everybody else.

My wife is beautiful and intelligent and very entertaining. She is very social, my family, our friends love her. People love her instantly when she strikes up a conversation. She is very energetic and with her you will never get bored. She can be very romantic and emotional too, she is partly Italian. She cooks great too. She loves our children and she is very protective, she is a great mother.

So, what do I do in return to appreciate the company of such a great woman? After 22 years she still turns me on with the way she dresses, her perfume, her jewelry, the way she moves and the way she talks. I let her know how great she looks every day, and it makes me proud that men notice her and she is 45 years old. Even though she flirts sometimes but I enjoy listening to it, it’s very entertaining and she is very loyal anyway.

I take care of our finances and she appreciates it, she knows that I am better at it. She know how much she can spend, I know that she loves shopping. I make sure that I work around the house so it looks very nice. She is also a great decorator, she loves flowers, vases, art books.

I let her spend time with her girlfriends, going to see movies, going to restaurants or just getting together. I know when she wants to retreat in our bedroom and have her private time in her “boudoir”.

I take care of her car, I take it to the garage when it needs service and I even fill it up with gas. I wash it for her because I love it when she looks good.

In return I get everything I need and I don’t have to ask twice. And it’s a pleasure to see that our family is a functioning family mostly thanks to her.

I Don’t Know How to Open Packaging

Every time a package opens up real nice and easy I get Goosebumps. I think this experience should be normal but unfortunately it’s not true.

I’m struggling every day to open up something and it rarely happens the way it supposed to. Sometimes the content of the package ends up on the floor. I’m not talking about clamshell packages only which I still don’t know how I supposed to open up. I read somewhere that a can opener might work.

It could be anything, a cereal box, a package of chocolate, a bag of potato chips, a bottle of medicine, frozen pizza, a soda bottle, a jar of anything and much more.

Although I have to admit that the more expensive is the product the easier it opens up. At least it’s true in most cases.

I like to follow instructions and there is no instruction on just about anything about how to open them up, except an imaginary instruction says “Good Luck”.

With larger packages such as larger boxes I don’t have much problem opening them up. I usually use a pocket knife and I just hope that I will not damage the content of the package. With these larger packages the trouble comes when I have to return the purchased item. I have no clue how put everything back into to box the way it was packaged. Maybe I should take pictures as I unpack the contents.

My Doctor Told Me That I Have Pre Type 2 Diabetes

I am 47 years old now and a few months ago my doctor told me after going through my blood test result that my blood sugar level is higher than normal. He also said if I don’t make changes in my lifestyle I could develop type 2 diabetes.

Until than I didn’t know much about diabetes. I heard about type 1 and type 2 diabetes but I wasn’t sure about the difference. I wasn’t sure what should I do and I didn’t know that diabetes is a lifelong condition which means that there is no cure at this time.

I went on the Internet and I found out that about 10.7% of people of age 20 and older have diabetes and 57 million people have pre-diabetes. It turned out that I belong to the pre-diabetes group.

I found out that diabetes is the seventh leading cause of death in the United States. Uncontrolled diabetes can result in heart disease, strokes, high blood pressure, blindness, kidney disease, nervous system disease and amputation.

What my doctor was trying to tell me is that my Fasting Plasma (blood) Glucose level was over 100 mg/dl, the normal range is 70-100 mg/dl. This is because my body doesn’t make enough insulin (type 1 diabetes when the body doesn’t make any insulin) and my liver makes too much sugar.

My doctor suggested participating in a Diabetes Self-Management Program presented by Achieving Better Control Inc. My Aetna health insurance plan covered this program 100%. This was a three day program in a small group of 10 people. We learnt everything about diabetes. The program also explained why a low-carb diet is so important with regular exercise. Vitamin D may also help managing diabetes.

Three month later my blood sugar level went down and I also lost 9 pounds.

How Can You Tell If She Likes You on Your First Date

You must feel excited about having the firs date with someone. Your goal at this point is the find out if she likes what she sees and wants to see you again. Let's say your first date is in a restaurant. You should look confident and relaxed.

If she ignores her cell phone during a conversation, it's a very good sign. You are more important than anything else. You already impressed her.

Another good sign if she asks you a lot of questions. Questions about your family and your job, things you like to do in your free time. She already thinks about how it would be with you in long term. The best thing to do is to ask similar questions so she could tell her story too.

If she makes physical contact, like touches your hand as she laughs give her some back too but don’t overdo it. It means she feels very comfortable with you.

If her body language sort of mirrors you she's already on your wavelength and there is a connection between you and here. You got her attention and she enjoys it.

If she wants to know where you live she already pictures the two of you at your place. She definitely wants to get together again or may she just wants to know how get from your place home the next morning.

Do You Know How Much Debt is Too Much?

Being in debt is not bad but being deep in dept is not good at all. If you want to avoid financial problems you should assess how healthy is your debt situation. Before you accumulate more debt you should be able to figure out how much debt you can afford.

All you have to do is to calculate your Debt-To-Income (DTI) ratio. This is what your lenders calculate when you need a mortgage or a car loan. To calculate the Debt-To-Income ration all you need is your monthly income and how much you spend each month on debt.

DTI = monthly debt/ monthly income X 100

To determine how much you spend on debt each month you have to add up all your debt sources:

• Mortgage or rent
• Car loans
• Credit card payments
• Student loans
• Alimony/child support payments
• Other loans

This will give you the total amount you spend each month on debt.

Next calculate your monthly income. In order to do that you will calculate your yearly income and divide it by 12.

• Gross income
• Commission
• Bonuses
• Alimony/child support
• Other income

Once you have your monthly debt and monthly income calculated you can calculate the Debt-To-Income ratio.

Example:

Mortgage - $1130

Car loan - $325

Credit card payments - $275

Total monthly debt payment - $1730

Annual gross income - $49,000

Annual commission - $4,500

Total monthly income - $53,500/12 = $4458

The Debt-To-Income ration will be:

DTI = $1730 / $4458 X 100 = 38.8 %

To determine how healthy your debt load is, here are the categories:

36% or less is the healthiest;

37%-42% is healthy but you should start to reduce your debt;

43%-49% you could have financial problems;

50% or more means that you are deep in debt and you might need help with debt problems;

Before you accumulate more debt, calculate your Debt-To-Income ratio to keep your debt load under control.

Baby Aspirin May Lower Colorectal Cancer Risk

Colorectal or colon cancer is the second leading cause of cancer death in the United Sates. It affects both men and women and almost always it starts in a benign growth also called polyp. A polyp may be visible during a popular screening test known as colonoscopy. Early diagnosis often leads to a complete cure.

There is no single cause of colon cancer. There is an increased risk if you are over 60, if you are African American or Eastern European.You may get colon cancer if you have cancer elsewhere in your body or you have family history of colon cancer. Diet high in red processed meat and  low-fiber diet may increase colon cancer too. Smoking cigarettes and drinking alcohol are other risk factors for colon cancer.

The symptoms of colon cancer could be abdominal pain, change in bowel habit, unexplained anemia, blood in stool and weight with no known reason.

Recent studies found that  taking low dose aspirin daily may reduce colon cancer risk by 24 percent and the risk of dying from colon cancer by 35 percent. The low dose or baby aspirin has other benefits too.  It prevents heart attacks and strokes. You shouldn't start taking low dose aspirin daily without consulting your doctor.

Why Do We Need Vitamin D

If we would eat healthy diet we would have all the necessary vitamins and minerals in our daily food intake. Unfortunately this is not true for most of us and we have to take supplements. Before you take any vitamin and mineral supplement it's a good idea to consult your doctor. Too high doses may cause problems for certain vitamins and minerals,  especially if you take medications.

One of the most important vitamins is vitamin D. You don't have to worry about taking vitamin D supplements if you spend at least 15 minutes in the sun a few times a week. It should provide you with all the necessary vitamin D you need. If you don't have time to go to the sun or have other reasons you could include it your diet. Egg yolk, saltwater fish, liver and fortified milk are also good sources of this vitamin.

Vitamin D is important in all ages. It may protect against heart disease, different forms of cancer, diabetes and autoimmune diseases. Vitamin D is also helps the body to absorb calcium. If you take calcium get the one which comes with vitamin D.

Low levels of vitamin D may cause memory and attention problems and may increase the risk of Parkinson's disease. Studies also found that higher level of vitamin D help people to stay active longer.

Do I Accept Aging?

Every morning I have a half an hour commute to work. I live in the Philadelphia suburbs and luckily the traffic is great in my direction. It's a very relaxing half an hour. This is my favorite time to think about different things about myself, my family. These thoughts sometimes are very philosophical. Sometimes I put my life or part of my life under the microscope. Recently I was thinking about getting older.

I am 47 and I realized I am not young anymore even though I often feel very young in my heart. I see a lot of people in denial in my age. They want to stay young forever in our age-biased time. I am not one of them and I think that doing childish things and acting like teenagers doesn't make you younger. Aging is like a bottle of wine. I think I got wiser as I got older. I am making smarter decisions now.

There are certain things you can only have once you are in my age and I am very grateful for those things. I am not talking about material things, I am talking about things you cannot replace. My 20 plus year marriage to my lovely wife Debra is one them. Another one is seeing my boys, Max and Nick growing up. I am grateful that I spent most of my weekends watching their soccer or baseball games from the sideline.

I accept my age but I know that I am responsible to take a good care of myself. I not only do this for myself, but also for my family. I listen to my doctors and try to keep a healthy diet with a moderate exercise. I don't smoke and I only drink with moderation. I enjoy myself now and I want to enjoy life 30 years from now too with my grandchildren.

The Samsung Captivate - A Popular Smartphone from AT&T

The Captivate runs on the latest Android platform. This means that it is fully integrated with Google Mobile Services such as Gmail, Google Maps, YouTube videos and there are tenth of thousands of applications available. There are several things what make this touch screen phone special. One of them is the 4-inch Super AMOLED screen. You can watch HD quality videos on this antireflective screen even in broad daylight. This screen also very thin and uses less power resulting in almost 6 hours of battery life. Whit this phone you have your email, social networking and phone contacts in one address book. You can instantly post and upload pictures to Facebook, MySpace and Twitter. You can record HD quality videos with the 5.0 MP camera. The 16 GB built-in memory lets store lots of MP3s, photos and videos. You can also wirelessly stream your videos, music and photos to a DLNA-enabled HDTV, PC or home theater. The virtual QWERTY keyboard with the Swype technology lets you text very fast without lifting your finger. This WiFi enabled phone with the full HTML browser lets you experience the Web just like on a desktop on the 3G network. The Samsung Captivate comes also with GPS and Bluetooth capability.

How to Make Smart Decisions

We are making hundreds of decisions every day but most of them are small decisions. Making decisions is almost always fun and gives a sense of freedom. Decisions which later on turn out to be good also boost our self-confidence. Making decisions means that we are not doing the same thing over and over again.

Small decisions are what to wear, what to eat, which movie to see, which book to read, what to do on the weekend, which shoes to buy and many more. When we regret our small decision later, it's not a big deal, we forget about it quickly.

There are also major decisions. These don't happen often but the consequences may last for a long time sometimes for a lifetime. Examples of major decisions are who to marry, what to do for a living, where to live, which house to buy, which car to buy, where to go for a vacation, how many children to have and more.

Before you make your decision you want to make sure that you know enough information about what you will make the decision. Don't get too excited and let just one or two things influence you. Don't make a decision in a hurry unless it's about calling 911. Sleep on it, there is always another opportunity. Make a list of all the pros and cons. You can only make this list if you are well educated about the subject of your decision. Go with the longer list to make the smartest decision. The more good decisions you make the easier will be to make good decisions in the future even in difficult situations.

Love Can Help You to Heal Faster

If you have mental or physical pain you can heal faster if you are in love. On the other hand if you are lonely your recovery might take much longer. Love and happiness have a very powerful healing power. It's like an anesthetic it will make you forget about the pain or at least you will able to tolerate it. Love is also a miracle medicine. I you are in love you want to feel better faster to make your loved one happy. Even if the person you love is not with you, a picture, a letter or any sentimental object can help you to go through difficult times. You know that you are not alone and that gives special power. Loving someone is much more than just a family member or a friend but that could help too. Unfortunately love is not something you can prescribe and often it is very hard to find. Lucky are those who have it in difficult times.

Do You Want to Eat Healthy? - Pay Cash for Your Grocery

It's very interesting that people who use their credit cards in the grocery store tend to buy more unhealthy food. When you use your credit card you don't have to worry about how much you spend. On the other hand if you pay with cash most likely you will make better choices and you have to stay within your budget too. It's also a good idea to make a list before you go grocery shopping and stick to the list. Buy making a list and going to the same grocery store every week you will learn how to stay within your budget and you won't have any surprises at the check out. Going to the same grocery store will also help you to find what you need faster and you will less likely grab what you don't really need. If you use your credit card for grocery shopping make sure that you pay off the balance each months, otherwise your shopping experience can get very expensive. Cash back bonus programs from credit card companies can be very tempting to use credit cards instead of cash.