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Tips to Get Out from Your Debt

Written By Denny Farhan on Tuesday, April 15, 2014 | 10:30 AM

 

Money is very important for all people. People will need money because people will need to buy all things with their money. When they are lack of money then they will not be able to get all things that they want. It is so dangerous when you don’t have money and you have lots of bills to pay. Most people prefer to lend money from some money lenders or banks. Unfortunately sometime they can’t pay their debt on time. It means they must pay higher interest for their debt. Most people with big debt always have a dream to get out from their debt. For all of you who have a same dream too because you are in the same problem, you can do some tips below to get out from your debt.

First you should not add your debt. It means you need to stop the flow of your debt first. If you use credit card, it is good to stop using credit card for certain time. For all of you who use more than one credit card, you should cut the use of your credit card for certain time. You also need to stop using department store cards, gas cards, and some other cards. You can use your credit card only for emergency thing only. When you can control your credit card and some other cards then you can control your debt too.

Second, for all of you who want to get out from your debt, you need to categorize spending every day. Some people can’t manage their debt because they always buy all things every day although they don’t really need the thing. That is why you need to categorize what thing that you should have and like to have. Some things must haves such as medicine, foods, pet food and some other things. Things you should haves are gym memberships, new clothes and some other things. Some things like to have are newspaper, magazine subscriptions, coffee and other things. When you can categorize the most important thing and the less important thing then you can manage your outcome that will influence your debt too.

Third, the most important step to get out from your debt is by starting to pay your debt. When you never pay your debt then you will never be able to be free from your debt. Cut your outcome and always pay your debt will make you free from your big debt.

Tips on Having Safe Financial Condition for 2014



The year is still quite new; it is not a mistake to start improving your financial condition. Last year is quite difficult for many people. They get financial problems and must be on an unpromising credit in order to keep alive. However, in this New Year, you can start anew and have better financial condition. In order to help you achieve your goal this year, we have some financial tips that will make you feel safe.

In order to have a safe financial condition, you must have enough saving. A first step to save your money is that by shop smartly. Before you hit the supermarket, you must make a list of what you need. Stick to it and don’t be tempted to shop for something on sale. Therefore, you will not spend extra money on something that is not useful.

Another thing you must do is that having a financial resolution. Make a target on what you must do this year. For example, you commit yourself on saving a certain amount of money a month. Another example is that paying off your debt one by one. Write your resolutions and put it on something that you can see every day.

For your emergency financial need, you must have an online savings account. This kind of saving has no investment risk. Therefore, it is safe for you who have no idea about investment. It is because this savings are insured by FDIC. Most importantly, you can get a return from the money you save. When you need money, you can access it anytime you need some extra cash. To start this savings account, you can begin with small amount of money.

Another thing that you must do this year is that paying off your credit card debt. In paying it off, you must start with the one that has higher credit interest rate. Paying off those with 12 or 22 percent rate will give you an advantage. It will make you have strong credit profile so that you will be offered with single digit credit interest rate.

To save more money this year, you must replace your insurance with one that has lower rate and premium. Insurance rate are changing from time to time. Many insurance companies lower the rates to attract consumers therefore you must get lower rate insurance. In consequence, you will be able to save more money. There are some things that will lower your premium; one of them is that by having saving account. Therefore, start savings before you replace your old insurance.

How to Use Google Trend to Find the Most trend Topic


When you are a student, researcher, or just a blogger, you must be known that search engine is handled the most important thing for your reading, or knowledge. From search engine, we can get much information about the most trending topic in the time and get enough reference for your knowledge and your research. The search engine such as Google has listed their most trending topic that most downloaded and searched by people who use this search engine. By this new feature of Google Trends, you can get the most trending topic in the time.

In Google Trend, you can get the most hot news and topic and it is unlimited, you can view and search for your specific search or viewing the global area to find it. When you are exploring this Google trends, you can see the terms that popular for the certain time. This will get you some information that becomes the latest trends and makes you become the up to dated person who get the most trend topic talks. You can see the terms that related to business, entertainment (movies, music, artist, and many more), life style, nature and science, fashion news, shopping, sports, travelling, holiday, and leisure time.

With the simple search, you can get the graphic that will look out for your search time for the volume, the regional search interest, and similar terms that searched. With the graphic comparison, you may also available for comparing the most similar trends and find which one that the most trends looking for in the search engine by the device use whether it has been searched from ios, android, windows phone, blackberry and other device. Google as like as trend barometer that will measure the human interest that use this search engine and with the updated list, you can see the list that proportionally divide and appears in the search engine by the category listed.

The Google Trends is very useful when you are looking for the most searching breaking news, culture and art phenomena, seasonal holiday and travelling, business and world news, conflict global, and many more. With the advanced technology system of Google Trends Chart, you can see the weekly list for the trending topics in the search engine. Make Google Trends as your reference for the newest and hot information. There are no other search engines that provide the most valuable information as Google Trends Chart.

Breastfed Babies Appear Smarter than Other without It


Cause to baby breastfeeding is getting really popular and more moms are suggested to do it. Senior citizens have known that breastfed babies appear healthier and smarter compared to ones without it. However, they don’t know why it happened that way. The question revolving around is there something special in the milk or psychologically speaking, the motherhood value of mom makes it grow smarter? What’s wrong with today’s formula milk? They even add a lot of complementary beneficial vitamins.

Study in Brigham Young University found out that parenting skills contribute to the development of child’s cognitive. It has nothing to do with the milk, but more to the parent’s sensitivity towards her baby’s emotional cues. Optimal cognitive boost is effectively done by responding to child’s emotional cues quickly and reading to them since the age of 9 months. Breastfeeding mothers tend to do these parenting skills rather than the one who is not. Responding to child’s emotional cues is important to follow their development and meet their cognitive requirement. Breastfeeding mothers tend to be more sensitive on the matter, so the child is often given proper early education.

The research which was conducted by Ben Gibbs and Renata Foste involved 7,500 mothers and their children. It monitored the children since they were born until age of 5 years. The data observed the time when mother started reading to their children and how the children do challenging task then. This research also observed how supportive and sensitive the breastfeeding moms were. Child development expert, Sandra Jacobson said, the result showed that the children who were breastfed for 6 month and longer doing better reading performance. It also proved how sensitive the breastfeeding moms to reading to children activity at once.

Gibbs and Froste also discovered that reading to children starting the age of 9 months contribute to significant reading readiness at the age of 4 years. This reading readiness doesn’t have any direct relation with breastfed milk composition, breastfeeding activity and sensitivity towards emotional cues. Reading readiness is solely provoked by reading to children activity. However, such activity is mostly done by breastfeeding moms who tend to choose spending her quality time with the children. Sensitivity and support build the emotional and positive relations between mom and children, which is good for their emotional development. It’s also sensitive mom who tends to find out that reading to children is important. Working mom who spends less time in home was proved to being unable to provide such exclusiveness.

NASA’s Kepler Mission Introduces 715 New Worlds

Good news for us, NASA’s Kepler Mission just announces 715 new bona fide worlds. These just verified planets were discovered orbiting 305 stars in total. Most of them appear larger than the Earth with 95% of planets are about four times the size of Earth and smaller than Neptune. The discovery of these planets adds the previous number of new planets. The size of them is relatively closer to earth and appear as small-sized planets in the entire galaxy. Whether they are potentially habitable or not are still under research. However, some planets show potentially bonanza for resources and science.

The discovery and verification process of new planets have shown significant development since two decades ago. Before, verification was done one by one (planet by planet) to identify whether it’s planet or star. It’s a time waste method, by which the research team needed years to identify just one planet. Now, they use multi-planets verification system, a statistical technique to identify many planets at once. A research team co-led by planetary scientist of NASA, Jack Lissauer has done the method since the first two years of doing Kepler’s mission from May 2009 to March 2011.

Multi-planets verification system is done based on logic of probability. They detect the probability of the objects being planet or stars. To find 715 new planets, the team detected 150,000 stars. They didn’t observe all the stars, but picking hundreds of them with potential and put them as planet candidates. The verification was drawn by observing these planet candidates then. This multi-planets verification wasn’t done in instance anyway. The team was first trying hundreds planet candidates four years ago, then increasing the number over time up to thousands, and hundred thousands of them. Lissauer and team aspire to keep widening the range of multiple observations. This method is actually really familiar with our life. It was once adopted to find out which one the lion and the lioness is between two lions as well.


Kepler-296f, one of the 715 planets was verified to be potentially habitable planet. It orbits a star which sizes half of our sun and 5 percent as bright as it. While it is surrounded by vast and deep oceans, it has problem with the thick hydrogen and helium. Further research is needed, but at least the discovery brings the current total amount of nearly 1,700 of planets outside our solar system. More discoveries emphasize our position in the universe and within smaller scale, galaxy.

Security Considerations for the Facebook Users

Social networking sites are among the most popular things in the recent internet communities; there are more people using social networking applications and doing various activities to interact with the other members. Facebook is one of the most popular social networking sites with so many users all around the world. As a matter of fact; every online activity is delivering risks for the user. The social networking activities on Facebook are also delivering some risks like the possibility for other user to steal the account and identity of a Facebook user. There are several security considerations that can be very useful for every Facebook user to stay safe while doing the social networking activities.

One of the most important considerations for the Facebook user to stay safe while doing the social networking activities is carefully choosing friends. It is important to think about the other users to add as well as in approving the incoming friend requests. It is recommended to add and approve real friends, but it is also possible to add or approve new people in order meeting new people on Facebook as long as the new friends are trusted people. Friends on Facebook can access information like the location of a Facebook user, address as well as other personal background information.

It is recommended to check and manage the privacy setting of the Facebook account; it is possible to limit the shared information rather than share all of the information publicly. There might be necessary adjustment from the default privacy setting to be safer and secure while doing the social networking activities. It is possible to share the activities information only with certain people on the friend list. The personalized profile and privacy setting may reduce the risk since less information is revealed to the other Facebook users.

Password is practically the most important security items that require careful management. It is important to manage the password information update as well as the chosen security questions. The combination or regular password update and the secure primary email to store the password update information can prevent other users to steal the password information or break into the account. Another important consideration is the sign in locations and devices; it is recommended to only sign in from private devices to reduce the risk of other people steal the email and password combination with the use of key-logger applications. Phishing attack to reset the password is another important thing to consider; it is recommended not to open unknown links sent by other especially unknown user.

Flappy Bird is Going to Down for Its Popularity

Written By Denny Farhan on Monday, April 14, 2014 | 10:59 AM


For you who are truly gamers in online, you must be not foreign with games namely Flappy Bird. This game was first launched in 2013 that become popular and mostly played in around the world. This game was competitively to the earlier games of Angry bird and makes the game become the most played in 2014. For this reason, the Flappy bird when it has launched in the first time for iPhone 5 apps, the game was rated as middle game and was not as popular as now.

But in the earlier month in 2014, the game reach to the top ten games that listed in the most played game and makes it become the most popular game. This becomes the most downloaded game in UK, China, US apps store. When it has released for the android one, the craziest things appear and they cannot handle any more. The interviewer seen that this game was addicted to some gamers. This becomes the most played game in smart phone. This game becomes the new “angry Bird” games.

This game featured with 2D graphics retro style that makes the game more interested. The game was difficult, the most frustrating game and with the curve combination difficulty, this make the gamers more curious to beat the game. To play his game is easy but too hard to master on it, therefore this reason make this game become favorite and popular for the gamers. Although it has simple and no variation on the games, this not makes the gamers leave and get bored. In addition, this condition makes the gamers fell addicted to the games. This condition make the creator of the Flappy Bird decide to remove the game from some application such as Apple and Google play in February 2014.

The condition above, makes the smart phones that has pre installed with this application get higher price offered in internet because his game was couldn’t downloaded any more in some apps and phone store. This condition also makes similar games with Flappy bird going raise because of its removal. There is a purchasing in internet trading such as ebay and amazon that sell the phone that has installed with the game. This make potential malware contain is the phone offered. Due to the removal, there are many parodies and similar games created to fill the games and the games called “ Flappy Bird copy cat” does not even take the similar popularity of the original one.

Dogs as Pets are Able to Understand Human


Dogs are one type of pet that is much favored by his being. The animal was regarded as a friend or even a family member. Many people have tested the loyalty of the dog and all it shows is a real success. Different types of dogs developed to create new types and species. All the people who love dogs are willing to treat them like family members. This attitude turned out to be understood by a dog and they become very docile animals. Although in some cases there are adverse events that result from dog diseases such as rabies. The disease is transmitted through the bite of a dog and need special handling. The disease is seen only owned by dog wild without owner. This effect is commonly found in urban stray dogs that are on the streets. To eradicate all the bad effects of stray dogs normally be taken by the agency wildlife observers.

A survey conducted by several researchers in the country of Hungary stated that the dog into an animal that can understand human feelings. This is demonstrated by the good reaction when dogs were invited to communicate. This animal does not have a language in common with humans, but all of these reactions indicated by limb. Movements such as tail wagging, hugs spoiled, licking the owner and active movement into a very positive reaction. Barking dog can also prove that it is a sound that is comfortable or not. Dog has changed many people's lives and this is recognized by the entire animal lover.

A central laboratory at ELTE University conducted a study of dozens of types of dogs. All conditions in the laboratory that made it uncomfortable for the dog to make these animals react badly. Treatment of human nature to change all this by giving caress the dog 's ear , kisses and hugs simple was able to make the dog becomes soft . All equipment scanner used in the study gave a positive reaction when a dog to communicate. It's like proving that all the words of the ancestors of loyalty and kindness dogs cannot be broken. Dogs and humans are creatures who cannot live without a sense of affection and all the research proves the result. Treating dogs like family and friends will make an excellent long relationship. Various forms and types of dogs also were able to make people feel happy.

Good and Bad Effect of Caffeine for the Body


Are you among those who have a high lifestyle filled with the bustle of the day? All of these activities will require a lot of energy to allow the body to continue to feel fit. In addition to taking vitamins or healthy food consumption usually people will also need tea or coffee. This drink has become a habit for everyone in the world. Besides can be used to relax the friends of coffee or tea has turned out to be the opium of the workers. The substances most commonly found in the type of coffee or tea caffeine is a substance that has been the subject of research.

Caffeine Dependence and the Effects

The caffeine that is in coffee or tea has attracted millions of people for drinking at any time. There are people who are accustomed to drinking coffee or tea in the morning, but some are consumed more in a day. The effects of caffeine have been many in the know, but this drink has become addictive. This means that if the drink is left then it will have less effect on the body. Serious problems caused by caffeine are in the long-term health effects. Opiate effects from caffeine can make people to leave absolutely no coffee or tea. This means that in a full day the person will consume more than two cups of coffee full. Deepest danger in this case is that all people understand the adverse health effects but they do not ever want to think about it and let the coffee into the body as plain water.

The caffeine that is in coffee or sugar was addictive substance that has caused very large in the body. With this reason, people who have felt addicted to it very difficult to leave. It could be compared to drugs or types of nicotine in cigarettes. Caffeine that enters the human body will increase production of adrenaline so that they feel more confident and happy. It has always been the reason that many people need coffee in the morning. All in usual activities while in the office or on the way to the office. Caffeine continues to accumulate on the human body has a heart attack trigger factor that is very dangerous. Another thing that is more related hypertension and this is clearly a big threat for coffee addicts. Even the coffee consumption in pregnant women can cause harmful effects to the fetus such as defects or miscarriage.

Positive Benefits in Consuming Caffeine

Caffeine is found in coffee or tea is widely used for the reason that these substances can prevent attacks drowsiness. Recently, a study developed by the Johns Hopkins University says that caffeine can trigger brain work becomes even more leverage in influencing the ability of memory. The study involved more than 100 participants in the trial who received caffeine from a tablet containing caffeine. It is like proving that caffeine is very useful to support intelligence and memory. Although caffeine has positive benefits for the body to consume caffeine from coffee or tea in excess is not good action. Adverse effects of caffeine to the body should be considered so that it can get good health.

How to Avoid Fake Online Shops

Written By Denny Farhan on Friday, April 11, 2014 | 7:40 AM


These days, if you want to buy something, you don’t need to go outside. You just need to turn on your computer or notebook, connect the internet network and type the item that you want to get in the searching bar in your favorite search engine. Within a second, you will find hundred online shops that offer the item that you like. Unfortunately, those shops are not truly professional online shops that will send your order in your place. To avoid from the online shops forging, you should armor yourself with these things such as:

>> Check the Certificate of the Online Shopping Website

There will be no con man who says truthfully that he is a con man, so does the fake online shops. In the website, you will find many positive testimonials from the buyers that have purchased the item in that shop. You must know that the testimonial could be fake testimonials as well. To check whether that online shop is secure or not, you can check in the URL bar. Secure website will be marked “s” and unsecure online shop website will not have “s” or “http” only. However, those things still not guarantee about the service of that online shop. For western or international online shop, there are some lists that help the customer prove about the website status such BBB award or Angie’s List.

However, if the online shop does not include Business Bureau Award or verified account from certain security system, it does not mean that the online shop is faked. It can be a small online shop, so to check it you can type the name of the contact person of that online shop and add the word fake or forged online shops. If the online shop ever did something bad to its customers, it will not difficult to find it.

>> Pay Attention on What They Ask

Some online shops ask your private numbers such as phone number, account number even social security number. Don’t give them all those numbers because they can do something bad if they are faked online shop. Reliable online shop will ask the private number for the needs of purchasing only.

>> Don’t be A Cheaper

Everyone likes to buy cheap goods, but find out how cheap it is. The range of the prices from one online shop to others should not much, so if an online shop offers the irrational price, you must be very suspicious about the shop.
 
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