Muscle Gain Secrets Audio Course

1.

Mindset Conditioning 06:29

2.

Muscle Pumping Diet 09:20

3.

Must Have Muscle Gaining Supplements and Lists of Food & Supplements to Avoid 09:50

4.

Ultimate Chest Workout & Best Biceps Sculpturing 13:36

5.

How To Get The Rock Shoulders and Washboard Abs 13:50

6.

Celebrity Workout 10:35

7.

Muscle Building Techniques For Vegans 05:28

Streaming + Download
Includes unlimited streaming via the free Bandcamp app, plus high-quality download in MP3, FLAC and more.

https://hasenchat.bandcamp.com/album/muscle-gain-secrets-audio-course

Organized Mind Audio Course

1.

Organized Mind (1) 06:09

2.

Organized Mind (2) 05:09

3.

Organized Mind (3) 06:24

4.

Organized Mind (4) 06:27

5.

Organized Mind (5) 06:52

6.

Organized Mind (6) 09:44

7.

Organized Mind (7) 03:58

8.

Organized Mind (8) 04:23

9.

Organized Mind (9) 05:12

10.

Organized Mind (10) 05:05

11.

Personal Transform (1) 02:31

12.

Personal Transform (2) 02:42

13.

Personal Transform (3) 02:35

14.

Personal Transform (4) 02:44

15.

Personal Transform (5) 02:41

16.

Personal Transform (6) 02:51

17.

Personal Transform (7) 02:49

18.

Personal Transform (8) 02:57

19.

Personal Transform (9) 02:53

20.

Personal Transform (10) 02:30

21.

Dissolve Doubt 02:29

22.

Ignote Minutia 02:10

23.

Love Or Hate Work 02:09

24.

Own Worst Enemy 02:42

25.

Remove Fear Of Mistakes 02:26

26.

Riding the wave of momentum 02:20

27.

Unrealistic Goals 02:22

Streaming + Download
Includes unlimited streaming via the free Bandcamp app, plus high-quality download in MP3, FLAC and more.

https://hasenchat.bandcamp.com/album/organized-mind-audio-course

Self Hypnosis Audio Course

1.

Amazing Learning 14:46

2.

Attracting Wealth 14:54

3.

Be Confindent 16:50

4.

Make Your Dreams Come True 16:13

5.

Quit Smoking 16:35

6.

Staying Relaxed 17:12

7.

Total Relaxation 18:18

8.

True Love 14:04

9.

Weight Loss Part 1 18:30

10.

Weight Loss Part 2 16:23

11.

Relax 17:19

12.

Inner Game Mastery 15:18

Streaming + Download
Includes unlimited streaming via the free Bandcamp app, plus high-quality download in MP3, FLAC and more.

https://hasenchat.bandcamp.com/album/self-hypnosis-audio-course

Ways to Success Audio Course

1.

Ways to Success Month (1) 06:43

2.

Ways to Success Month (2) 07:16

3.

Ways to Success Month (3) 06:01

4.

Ways to Success Month (4) 07:15

5.

Ways to Success Month (5) 06:47

6.

Ways to Success Month (6) 05:52

7.

Ways to Success Month (7) 06:03

8.

Ways to Success Month (8) 05:58

9.

Ways to Success Month (9) 06:38

10.

Ways to Success Month (10) 05:58

11.

Ways to Success Month (11) 05:27

12.

Ways to Success Month (12) 05:47

13.

Make It Happen 1 – Introduction The Goals That Never Happen 02:31

14.

Make It Happen 2 – The Most Powerful Skill You Can Learn – Goal Setting 05:56

15.

Make It Happen 3 – The Formula – How to Structure Goals and Make Your Plan 04:40

16.

Make It Happen 4 – The Formula – How to Structure Goals and Make Your Plan 04:56

17.

Make It Happen 5 – Letting Go of Fear 07:59

18.

Make It Happen 6 – How to Make Your Fitness Goals Happen 07:15

19.

Make It Happen 7 – How to Make Your Career Goals Happen 09:30

20.

Make It Happen 8 – How to Make Your Relationship Goals Happen 05:24

21.

Make It Happen 9 – How to Make Your Travel Goals Happen 02:15

22.

Make It Happen 10 – Conclusions 01:14

23.

Success Habits (1) 02:29

24.

Success Habits (2) 02:42

25.

Success Habits (3) 02:33

26.

Success Habits (4) 02:30

27.

Success Habits (5) 02:42

28.

Success Habits (6) 02:46

29.

Success Habits (7) 02:29

30.

Success Habits (8) 02:44

31.

Success Habits (9) 02:40

32.

Success Habits (10) 02:48

Streaming + Download
Includes unlimited streaming via the free Bandcamp app, plus high-quality download in MP3, FLAC and more.

https://hasenchat.bandcamp.com/album/ways-to-success-audio-course

German and English Travel Phrases Audio Course

1.

English – German Basic Phrases 03:28

2.

English – German Medical Phrases 03:20

3.

English – German Restaurant and Dining Phrases 05:15

4.

English – German Shopping Phrases 02:35

5.

English – German Travel Phrases 06:20

6.

Deutsch – Englisch Grundphrasen 03:31

7.

Deutsch – Englisch Medizinische Sätze 03:15

8.

Deutsch – Englisch Reisesätze 06:12

9.

Deutsch – Englisch Restaurant 05:11

10.

Deutsch – Englisch Shopping Phrasen 02:33

11.

Bonus Song – German Lerning 1 05:52

12.

Bonus Song – Without You ( EuroDance Mix ) 04:01

Streaming + Download
Includes unlimited streaming via the free Bandcamp app, plus high-quality download in MP3, FLAC and more.

https://hasenchat.bandcamp.com/album/german-and-english-travel-phrases-audio-course

Spanish and English Travel Phrases Audio Course

1.

English – Spanish Basic Phrases 03:25

2.

English – Spanish Medical Phrases 02:37

3.

English – Spanish Restaurant and Dining Phrases 04:33

4.

English – Spanish Shopping Phrases 02:15

5.

English – Spanish Travel Phrases 06:02

6.

Spanish – English Basic Phrases 03:19

7.

Spanish – English Medical Phrases 02:51

8.

Spanish – English Restaurant and Dining Phrases 04:51

9.

Spanish – English Shopping Phrases 02:26

10.

Spanish – English Travel Phrases 06:10

11.

Bonus Song – Caliente ( Ibiza Club Mix ) 09:45

12.

Bonus Song – Back de Timba ( Radio Edit ) 03:36

13.

Bonus Song – Chica ( Radio Edit ) 03:37

14.

Bonus Song – Cuba Libre ( Radio Edit ) 03:07

15.

Bonus Song – La Bomba ( Radio Edit ) 03:56

16.

Bonus Song – Senorita ( Radio Edit ) 03:31

Streaming + Download
Includes unlimited streaming via the free Bandcamp app, plus high-quality download in MP3, FLAC and more.

https://hasenchat.bandcamp.com/album/spanish-and-english-travel-phrases-audio-course

Free Video Cookbook

Have you always wanted to learn to cook or bake? Then the HasenChat video cookbook course offers you the opportunity for free. Without registration and without download. On Pinterest and Youtube we offer you over 1000 recipes and ideas for easy copying. Every step is shown with video!

Take our cooking class now

https://www.pinterest.com/hasenchat/education/
https://www.pinterest.com/hasenchat/food-and-drinks/

Wolltest du schon immer Kochen oder Backen lernen ? Dann bietet dir der HasenChat Video Kochbuch Kurs Kostenlos die Möglichkeit. Ohne Anmeldung und ohne Download. Auf Pinterest und Youtube bieten wir dir über 1000 Rezepte und Ideen zum einfachen Nachmachen. Jeder Schritt wird mit Video gezeigt !

Besuche unseren Kochkurs jetzt

https://www.pinterest.de/hasenchat/education/
https://www.pinterest.de/hasenchat/food-and-drinks/

Pinterest

Pinterest is an American image sharing and social media service designed to enable saving and discovery of information on the World Wide Web using images and, on a smaller scale, GIFs and videos, in the form of pinboards.
Founded: December 2009; 10 years ago
Employees: 1,600
Date launched: January 2010
Owner: Pinterest
Available in: Hungarian language, Thai language, Hindi, MORE
Founders: Ben Silbermann, Paul Sciarra, Evan Sharp

https://www.pinterest.com/hasenchat
https://www.pinterest.de/hasenchat
https://www.pinterest.ch/hasenchat
https://www.pinterest.fr/hasenchat
https://www.pinterest.jp/hasenchat
https://www.pinterest.ru/hasenchat
https://www.pinterest.ca/hasenchat
https://www.pinterest.co.uk/hasenchat
https://www.pinterest.it/hasenchat
https://www.pinterest.pt/hasenchat
https://www.pinterest.com.au/hasenchat
https://www.pinterest.nz/hasenchat
https://www.pinterest.at/hasenchat
https://www.pinterest.com.mx/hasenchat
https://www.pinterest.ie/hasenchat
https://www.pinterest.es/hasenchat
https://www.pinterest.dk/hasenchat
https://www.pinterest.co.kr/hasenchat
https://www.pinterest.cl/hasenchat
https://www.pinterest.ph/hasenchat
https://www.pinterest.th/hasenchat
https://www.pinterest.com.uy/hasenchat
https://www.pinterest.co/hasenchat
https://www.pinterest.nl/hasenchat
https://www.pinterest.kr/hasenchat
https://www.pinterest.vn/hasenchat
https://www.pinterest.com.vn/hasenchat
https://www.pinterest.ec/hasenchat
https://www.pinterest.mx/hasenchat
https://www.pinterest.in/hasenchat
https://www.pinterest.pe/hasenchat
https://www.pinterest.co.at/hasenchat
https://www.pinterest.hu/hasenchat
https://www.pinterest.co.in/hasenchat
https://www.pinterest.co.nz/hasenchat
https://www.pinterest.id/hasenchat
https://www.pinterest.com.ec/hasenchat
https://www.pinterest.com.py/hasenchat
https://www.pinterest.tw/hasenchat
https://www.pinterest.be/hasenchat
https://www.pinterest.uk/hasenchat
https://www.pinterest.com.bo/hasenchat
https://www.pinterest.com.pe/hasenchat

TikTok

TikTok is a Chinese video-sharing social networking service owned by ByteDance, a Beijing-based internet technology company founded in 2012 by Zhang Yiming. It is used to create short dance, lip-sync, comedy and talent videos. ByteDance first launched Douyin for the China market in September 2016.
Developed by: ByteDance
Stable release: 15.5.0 / 31 March 2020
Initial release date: September 2016
Size: 308.3 MB (iOS); 55.21 MB (Android)
Operating system: iOS, Android
Available in: 40 languages

https://www.tiktok.com/@hasenchat

Bandana

Men Women Face Scarf Bandana Ear Loops Face Balaclava Neck Gaiters for Dust Mask

Size: One Size

【 OUR BANDANA IS LIGHTWEIGHT, SOFT, THIN, AND BREATHABLE 】It is the moisture-wicking and quick-dry fabric that keeps you cool. Each bandana mask is one solid piece that improves comfort, flexibility, and long-lasting durability so it doesn’t lose shape. Elastic tensile fiber keeps the mask in place and not slide. Size: Length 19.7 In, Width 9.8 In
【 WOMEN MEN FACE SCARF PROTECTS FROM SUN DUST WIND SAND】 The moisture wicking fabric transfers heat and humidity away from your body and outside of the seamless bandanna, make you feel cool. Our neck gaiter keeps you cool in the sun and warm in cold weather. And it can help protect you from harmful UV and guards you against wind and dust.
【 FASHION “INFINITY”WEAR FACE MASK BANDANS】 There’s a wide variety of ways to configure this versatile design. Wear it as a neck warmer, headband, face mask, hair-band, balaclava, face scarf, bandana, ear warmer, head cover, pirate hat, neckerchief, beanie cap, hood, and wristband.
【BANDANA FACE MASK FOR MULTIPLE ACTIVITIES】 Music Festivals, Concerts, Biking, Raves, Paintball, Hiking, Yoga, Exercising, Yard Work, Riding, Fishing, Cycling, Motorcycle, Motocross, ATV Bike, Running, Hunting, Hiking, Climbing, Camping, Tactical, Paintball.
【Hand Wash Recommended 】With Cold Water / Do Not Bleach / Hang Or Line Dry.

Bandana

Face Shield

All-Purpos Safety Face Shield Transparent Full Face Mask, Mask with Anti-Saliva Protective Hat,Reusable Breathable Visor Windproof Dustproof Hat Shield with Protective Film Elastic Band(10pcs)

【FAST DELIVERY & PREMIUM QUALITY MATERIAL】Made from transparent PET (Polyethylene terephthalate) with Double Sided Anti Fog, Reusable, and protective cover can be cleaned with disinfectant.
【FULL FACE PROTECTION】Come with Extra Alcohol pads and Microfiber Cleaning cloth for cleaning the shield. This face shield is designed to protect your whole face from spray and splatter, droplet, dust, oil smoke etc.
【WIDE APPLICATION】Suitable for home, shop or dental use, dust and splash proof.
【COMFORTABLE 】Super transparent, The surface contacts with the skin has a soft sponge, the rope is elastic, and it is lightweight, comfortable to wear.
【FIT FOR ALL】 Easy to adjust for a custom with elastic headband, secure fit, it is suitable for all head size, crystal clear, and there is space between the face and the protective cover.

Face Shield

Face Masks

Disposable Face Masks for – Sealed Bag – Hygienic 3-Layer Filter Mask 50 PcsDisposable Face Masks for – Sealed Bag – Hygienic 3-Layer Filter Mask 50 Pcs

Important information
Legal Disclaimer
Statements regarding dietary supplements have not been evaluated by the FDA and are not intended to diagnose, treat, cure, or prevent any disease or health condition.

Disclaimer: While we work to ensure that product information is correct, on occasion manufacturers may alter their ingredient lists. Actual product packaging and materials may contain more and/or different information than that shown on our Web site. We recommend that you do not solely rely on the information presented and that you always read labels, warnings, and directions before using or consuming a product. For additional information about a product, please contact the manufacturer. Content on this site is for reference purposes and is not intended to substitute for advice given by a physician, pharmacist, or other licensed health-care professional. You should not use this information as self-diagnosis or for treating a health problem or disease. Contact your health-care provider immediately if you suspect that you have a medical problem. Information and statements regarding dietary supplements have not been evaluated by the Food and Drug Administration and are not intended to diagnose, treat, cure, or prevent any disease or health condition. Amazon assumes no liability for inaccuracies or misstatements about products.

Face Masks

Toilet Paper

Soft Design: The roll paper is soft and comfortable in use, which features the special surface treatment not to leave any fibers. And the paper features no irritation to the skin, no aroma or pigment.
Premium Material: The roll paper is made of high-quality native wood pulp, which is soft and strong.
Easily Degradable: The paper is safe to use in septic tank systems. And the eco-friendly recycled paper is washable and it is safe for standard sewer and septic tank systems.
Practical in Use: The roll paper can be placed in a standard paper towel dispenser to improve hygiene and ease of use. So you don’t need to worry about the product does not match the tissue holder.
Wide Application: The roll paper is suitable for daily life, which is ideal for toilets, kitchens, workshops or restaurants.

Toilet Paper

Octagon Records

Octagon Records is back. Founded in Bamberg Germany in 1992 and now available again with new videos and new songs. With the Best of Octagon album ( Remasterd 2020 ) all songs are now available as streams and download.

Octagon Records Germany

Six Keys To Pitching From The Fairway

Accurate pitching reduces your golf handicap. Turning three strokes into two by pitching close to the pin cuts strokes from your scores. Cut enough strokes and you’ll lower your handicap significantly. Learning to pitch accurately from the fairway is crucial to improving your game.

Pitching accurately from the fairway, as I mention in my golf lessons, requires good distance control. That’s not easy to achieve. The tendency is for your swing to be either too long, in which case the clubhead decelerates through impact, or too short, in which case the clubhead is jerked through impact. Either way costs you strokes, inflating your golf scores and your golf handicap.

Learning to pitch accurately from the fairway is a two-stage process. One stage involves building better technique. You can work on technique in golf lessons and on the practice range whenever you go. The second stage involves learning how to judge distances. While you can’t learn to judge distances simply from taking golf lessons or reading golf tips, they can facilitate the learning process.

Here are 6 keys to building better technique:

1.Make changes at address
2.Open the stance
3.Aim clubface at target
4.Make a shorter backswing
5.Clear the left side
6.Release the clubhead

Two subtle changes at address help with technique. Since you need to strike the ball with a crisp, descending blow, (1) position the ball at your stance’s midpoint and (2) make sure that the club’s shaft and your left arm (for right-handers) are in a straight line, ensuring ball-then-turf contact.

Also, open your stance a little at address. It enables you to clear the left side through impact. While it seems like a minor thing, it has an impact, just like the two changes discussed above. Despite the open stance, aim the clubface directly at the target, just as if your feet were parallel.

Opening your stance shortens your backswing, since it curbs movement of the lower body. Gripping down on the club also shortens your backswing, while providing increased club control. The closer you hands are to the ball, the better control you have. Nevertheless, you still need to transfer your weight correctly, despite the shorter swing,

With the open stance and the left side clear, your hands have room to strike the ball squarely. Release the clubhead freely through impact and then move smoothly into your follow-through. Use these suggestions to help build better technique.

In addition to working on your technique, you need to improve distance control. Unfortunately, the only way to do that is by practicing. The more you practice, the better you’ll get. Below are two other suggestions to remember the next time you’re practicing your pitching:

Practice the Body-controlled Method
One approach to help with distance is the body-controlled method. It’s an approach I’ve talked about in my golf tips. Assume your normal pitching address position, but place a towel across your chest and under your armpits. Choke down on the grip for added control and make short compact swings, keeping the towel under your armpits as you swing.

At the same time, vary the speed of your body turn. If you have a 20-yard shot, think in terms of turning your body 20 miles per hour. If you have a 30-yard shot, think in terms of turning your body 30 miles per hour. The longer the shot, the faster you turn your body. Try this method to help improve your distance control. Also, vary the length of your shots so you will get practice at different lengths.

Establish a “Pitching Zone”
Work on establishing a pitching zone—a safe area where you’re not only comfortable and confident pitching from. Once you’ve developed the zone, try playing to it the next time you golf. The goal is to land your shots in the zone when approaching the green, so you’ll have an easier shot.

Jose Maria Olazabal used this approach during a tournament. Having driven into trouble off the tee, he asked his caddie: “What club will give me 92 yards to the flag for my next shot.” Thinking one step ahead, Olazabal was aiming for a spot on the fairway where he was confident he could get up and down from to save par. That was strength for him. Establishing a “pitching zone” gives you a strength to play to, just like Olazabal.

Use these six keys to help with pitching from the fairway next time and you’ll be sure to start dropping shots fast.

Ping Putters

Putting is the most important part of the game and something everyone needs help with whether it’s getting your lag putts close or constantly hitting those par putts. Ping has been making putters since the 1960s so have a number of years of experience behind them. These days they are still making putters with the same amount of dedication as they did in the 1960s but are making putters that suit the modern playing styles of golfers today.

Golf Buy It Online stock and supply a huge range of Ping Putters so every golfer can find a Ping putter to suit their style. Currently in stock at Golf Buy It Online are Ping Golf Ug-Le Putters, Ping Golf Redwood Zing Putters, Ping Golf i-Series Half Moon Putters and Ping Golf G5i Piper Putters as well as many others.

Ping Golf Ug-Le Putters feature an insert cavity that is precision machined to ensure consistency and set the Ug-Le putter apart from the rest. Ping Golf Redwood Zing Putters are made from “303” stainless steel; this series offers classic model shapes designed for players seeking the very best. Ping Golf i-Series Half Moon Putters feature increased Moment Of Inertia and easier alignment to produce a firm response with a soft feel. Ping Golf G5i Piper Putters have a dual-durometer insert to provide the feel and distance control golfers long for on putts of all lengths.

This is just a small selection of the Ping Putters from Golf Buy It Online. We only sell products for companies for which we are authorised retailers and they come with the full year’s manufacturer’s warrantee so you have piece of mind that the products are 100% genuine.

Not All Shafts Are Created Equal

Did you know that by switching to the correct shaft you could add another 15 to 20 yards to your swing? Not only can choosing the right shaft increase your distance, it can also help your accuracy.

The shaft, often referred to as “the engine” of a golf club, is undoubtedly as important as choosing the right club head. Unfortunately, most golfers don’t give choosing the correct shaft the attention it deserves.

It’s not uncommon for a golfer to spend $300 -$400 on a new golf club, without giving the shaft a second thought. Few golfers even realize they can change their shaft or choose one to fit their game.

Without the right shaft, having the best clubheads will still not give you the ball flight, distance, accuracy and feel you’re looking for.

Since there are no industry standards for flex or torque, when it comes to golf club shafts, it can be very difficult to compare specs from different manufacturers.

Here’s a brief overview of what to look for when choosing a golf club shaft.

Steel Shafts vs. Graphite shafts:

The general thought is that beginners and intermediate golfers should use graphite shafts and advanced golfers should use steel shafts.

That’s not really true anymore. As with any type of golf equipment the best option is to try both and see which one works best for your swing.Even professional golfers have made the transition from steel to graphite shafts. Tiger Woods, for example, switched to using a graphite shaft in his driver in 2004.

So, what are the differences between steel shafts and graphite shafts?

Graphite is a lighter material than steel, reducing the overall weight of your golf club. They allow for longer clubs and they have more construction options than steel shafts. Graphite shafts also reduce the shock at impact.

Steel shafts, in general, are less expensive than graphite and are considered to be more durable. But, the quality of graphite shafts has improved considerably over the last 10 years, making them almost as durable as a steel shaft.

The key difference between graphite and steel is the weight. Since graphite shafts are lighter than steel, it will increase your swing speed, giving you more distance. The downside is that graphite shaft generally give you a feeling of having less control over the clubhead. Graphite shafts simply do not give you the same “feedback” as steel shafts do.

Graphite shafts are usually recommended for women, seniors and players with a low swing speed looking to add distance to their swing.

Flex:

Basically, the amount of flex refers to the ability of a golf club shaft to bend during the swing. The wrong amount of flex for your swing will cause the clubface to be misaligned at impact. This affects the distance, accuracy and trajectory of the ball.

The best way to determine the correct flex is with the use of a launch monitor. This will help a fitter to have a better understanding of the launch conditions during the moment of impact. This will, in turn, help them determine the best flex for your game.

Even without the use of a launch monitor, you can still determine your correct flex. If you know how far you hit your driver, you can use that number as a gauge for flex selection. For example, you should probably use an extra stiff shaft if you hit the ball more than 260 yards. For 240 to 260 yards, use a stiff flex. Etc.

As a general rule, especially for beginners, you should use the softest flex you can control without any difficulty. If you’re not sure, use the softer flex. Most golfers are using a shaft that’s too stiff for their game. They’d be pleasantly surprised if they switched to a softer shaft.

When using a shaft that’s too stiff, you’ll probably have a lower and shorter ball trajectory. The ball will usually go off to the right (for right handed golfers) and your shots may not feel as solid.

Torque, Weight, Length and Flex Points:

A higher torque shaft will help if you want to launch the ball a little higher. Compared to a shaft with a high torque rating, a lower torque shaft will typically launch the ball lower with reduced spin.

Weight is a personal choice. A lighter shafts will let you swing the club faster, which can increase distance. Just make sure you’re comfortable with the overall balance and feel of the club.

Length is also a personal choice. A longer club will increase your clubhead speed giving you more distance, but you’ll usually have to give up some accuracy and consistency. A shorter club is easier to hit so your average shots will be straighter. For consistently long, straight hits, a shorter club makes more sense.

Flex points, or kick points, refer to how “tip stiff” a shaft is. Generally, the shaft with the softer tip has a lower kick point, which means it will generate a higher initial launch angle. If you want to lower you ball flight, you should opt for a shaft with a higher kick point, or a stiffer tip.

Improve Your Golf Swing By Improving Your Tempo

We have all heard the word tempo in relation to the golf swing. Announcers on television speak of the “great” tempo Ernie Els has in his golf swing. What does tempo mean to the amateur and their golf swing?

Tempo in the Golf Swing

Tempo in the golf swing is a combination of many parts. Tempo is part timing in all aspects of the golf swing. It is part sequencing of each position within the golf swing, and it is part “feel”. Putting all these golf swing parts together creates tempo in your own golf swing.

Interconnecting each phase of the golf swing; address, take-away, backswing, transition, downswing, impact, and follow through is one part of tempo, Performing each of these phases with the correct timing is also tempo. And finally “feel” for the clubhead is part of tempo.

We can probably say tempo is the end goal of all our practice and time spent on our golf swing. Once we have developed tempo in the golf swing, there is definitely a level of mastery within it.

How Do We Develop Tempo in the Golf Swing?

A great question that does not have a simple answer: Developing tempo in the golf swing is a task that requires patience, practice, and time. There really are no short cuts to developing it within your golf swing. One practice session at the driving range will not do it. The use of a single training aide will not get you there. The implementation of a golf fitness program will not achieve this task on its own.

I say this because developing a PGA Tour type golf swing requires a “basket of tools” in your arsenal. Developing tempo and a silky smooth golf swing requires you to:

§ Receive proper instruction on the fundamentals of the golf swing

§ Maintain a consistent practice schedule with your golf swing

§ Use swing drills to develop every as of your golf swing

§ The possible implementation of training aides into your practice sessions

§ Implementing of golf fitness program to develop your body around the golf swing.

The “basket of tools” listed above put together can lead you to developing great tempo in your golf swing. It requires a comprehensive approach in which no short cuts can be made. Let’s take a look at the bullet points above to get a better understanding of how to go about this process.

Proper Instruction in the Mechanics of the Golf Swing

Learning the fundamentals of the golf swing is key to developing tempo. This can be achieved through quality instruction. This will allow your body to learn the nuances of the swing. This is the first step in developing tempo.

Consistent Practice of the Golf Swing

As they say practice makes perfect. In order for your body to learn and be able to repeat to proper mechanics of the golf swing, you must practice on a consistent basis. The body learns biomechanical movements through repetition. The golf swing is no different. Repetition through proper practice session is the second key to developing tempo.

Swing Drills to Develop the Golf Swing

The golf swing as a whole is one of the most intricate athletic movements to perform. In its entirety, it is a very difficult movement to perform and master. It is best when learning the golf swing to break it down into parts. Breaking the golf swing down into segments allows you more easily to master each phase of the swing. This is accomplished through the implementation of golf swing drills. Swing drills break the swing down into manageable parts.

Training Aides in Association with Your Golf Swing Drills

Training aides assist the body in developing the golf swing. Think of training aides as “training wheels” on a bicycle. They simply help your body learn certain movements and positions associated with the golf swing.

Implementing a Golf Fitness Program

Your body swings the golf club and performs the biomechanics of the golf swing. In order to perform the biomechanics of the golf swing correctly. It is necessary for your body to have certain levels of flexibility, balance, endurance, strength, and power. If your body is lacking any of this aforementioned list learning the biomechanics of the golf swing correctly will be very difficult. A golf fitness program is the final key to developing tempo in your golf swing.

Summary

To summarize the development of tempo in your golf swing requires a “basket of tools”. Tempo requires; proper instruction on the golf swing, consistent practice of your golf swing mechanics, the utilization of swing drills, training aides, and a golf fitness program. Put all of these aspects together and a golf swing with tempo will be yours.

Sean

Improve Strength For Golf To Reach Your True Potential

Strength for golf is a term you’ve all heard by now. It’s all over the television during professional tournaments, and golf instructors are now throwing the term around.

What makes strength for golf so important and why should you listen?

Let me briefly explain.

The golf swing is traumatic to the body! I can’t put it any simpler than that. When you are swing an object that is over 3 feet long at over 85 mph, there is a physical cost.

The physical cost is undo stress on the major joints of the body. The lower back is the most common area to get injured, along with the hips, shoulders, knees and even wrists.

If your body is physically weak and restricted (low level of flexibility), you will have a minimal chance at playing good golf and staying injury-free as well.

How many times have you gone to the range or the course, only to come home with your lower back stiff, aching or in pain? What about other body parts? I’ll be you’ve felt your hip joints or maybe even your shoulder joints at some point.

If you saw a slow motion video of the human body swinging a club, you’d be shocked. The body is put in some torqued positions throughout the swing. When the body is weak it breaks down. That’s a fact!

In comes strength for golf!

By working your golf specific muscles, you will not only improve your swing mechanics quickly, but your game will transform. You will feel like a different golfer on the course. Your playing partners will be in awe.

You may think I’m hyping this up, but all the above is true! You will quickly realize this has been the missing link to your golf game improvement all along. And don’t ever think it’s too late to start a program of strength for golf.

Golf Training Aids

Golf training aids can often give you that little extra help to improve your game of golf. They are available for every aspect of the game – your swing, putting, aim, grip – even measuring the slope of a green. There’s quite an array of golf aids out there with varying degrees of usefulness. Here’s a small list of available golfing training aids to give you an idea of what to look for, starting with golf aids for the swing. They’re not arranged in any order of importance.

1. The Swing Hat is composed of a microchip incorporated inside a comfortable golfing cap with earphones. Instant audio feedback is relayed to you about your spine angle, and the tempo of your stroke. It has an adjustable metronome and motion sensor. It is designed to help you improve while you are performing the swing or putt.

It’s concept is based on the two basic principles of a good golf swing. First, that your spine angle remains constant, and second, using your own personal “tempo”, which can be found by experimentation.

2. The Swing Analyzer is a portable device packed in a holster. It aims to help you maintain control of lateral rotation, and rotation of your trailing hip. It lights up, vibrates and beeps every time you are not swinging correctly! It can be usd to monitor your putting strokes as well.

3. The Swing Glove. This golf training aid helps develop a feel for proper wrist and hinge movement. The glove extends up beyond the wrist and has a swivelling aluminium rivet sewn inside which eliminates wrist cupping and loopy swings. It forces the hand to remain in the correct plane throughout the entire stroke. After several uses one gets the ‘feel’ of a proper hand and wrist action.

4. The Impact Ball again provides its user with the feeling of the best stroke to increase distance, keeping the club face square. Other methods teach you to memorise the mechanics, and this is often an unnecessary distraction. The method takes the focus away from the ball, and concentrates on the body and golf club working together. The large ball-like device, fits between the forearms and prevents those “flying elbows”, “ckicken wings”, scoops and slices. There are two sizes, one for men, the other for women.

5. The Leader Board Swing Trainer lets you feel correct balance, and helps achieve proper timing in the swing. It consists of three pads covered in artificial grass. One is the “hitting pad” on which the ball is placed. The right foot is placed on the second pad which sits atop two rails, and slips backwards and forwards as the stroke is made. The third pad is for the left foot and remains stationary.

The device teaches the user to put less weight on the back foot. Drills are suggested which target the components of the swing, and train the body to move in the proper sequence. Power cords are also available for resistance training to develop the muscles used in the swing.

6. Putting Greens and Putting Mats come in many shapes and sizes, with slopes and measuring rods. A few incorporate an auto return ball feature and other gizmos. They all help with alignment to give a straight stroke path, and a feel for slopes up or down.

7. Putting Glasses have markings on the lenses to align the golf ball, the feet, body posture and also align the track and distance to the hole. The idea is based on right or left eye dominance.

8. Forward Facing Putter. The golfer faces the hole with feet pointing to the target, and the putter is held by the side of the golfer and pushed forward. The motion is rather like that of croquet. Apparantly it is easier to read the green, and the stroke is said to be more natural.

9. Green Readers locate the slope, and the angle of that slope. Modern instruments provide an instant readout. They give a good indication of how much to adjust your stroke for uphill or downhill putts. It is against the rules to use them in actual competitions, but it is quite legitimate to use them in practice rounds on the same greens before the competition.

10. Practice Nets come in all sizes from mini ones to large cages 10′ X 10′ X 10′. Some have a target at the end, and others have an auto return device for the ball. They need a baffler if regular golf balls are used to practice.

11. Speed Sticks help you to hit the ball further by increasing the speed of your swing. The faster you swing the club, the further the ball will go. You simply swing the stick and read the indicator, then set it to zero again.They can be used indoors and outdoors. A “speed gauge”, calibrated in miles per hour, tells you what the speed is. No guesswork, and you can track your progress.

12. A Thumb Caddie keeps your golf grip consistent throughout your wing to give straighter and longer shots. It keeps your hands in the proper position, eliminating hooks and slices. The device slips onto any club.

There are numerous other devices available which should not be too difficulkt to find, but the old addage, “Practice, practice, practice” still holds good. Golf training aids are after all only “aids”.

Golf Tips For A Better Golf Swing

Golfing can be an expensive past time, especially if you have to take golf lessons to boot. Taking golf lessons gives you the ability to have someone guide you and spot critical mistakes in your golf swing. There is another alternative to golf lessons even though golf lessons are the fastest and best way to a better golf game.

There is a lot of good reading material on the Internet that helps in solving your slice, hook, or whatever problem you have getting the golf ball to the hole. Taking a good golf book seriously and implementing the instructions on the course will turn your game around in no time. If your having trouble breaking 100, 90, and even 80. This article has a few tips on reaching your goals at your own pace.

Whatever book you decide to choose on the Internet or local store, read the chapters over several times before you take these instructions on the practice range. Practice at least three times a week. There are a few points to keep in mind when practicing any kind of new golf swing that amateurs tend to overlook.

Consider the slope of terrain that you are implementing your new golf swing. Take a large bucket of balls and practice the swing with different slope positions. Swing easy at first, then gradually step up to your normal swing speed. You’re not always going to have a flat lie out on the golf course. It may take half dozen balls or more to get comfortable with different types of fairway slopes, but once you follow the book closely and practice, you will soon overcome any problems at first. Be persistent!

Choose the shorter clubs first and gradually work your way to the driver. Do not leave any club in the bag. Practice them all. If you’re having trouble with a longer club, do not skip it and move past. Pause with the lesser club and go backwards until you gain confidence to move back to the golf club you dislike hitting. Pause at the club before and keep hitting it until you feel confident to play the golf club your having problems with.

Always shoot towards a target and always keep the distance in mind for each golf club. You will eventually have stronger wrists and arms as you progress through a full month of practicing three times a week. The distance will change as you move forward in your persistent self-golf training. The golf holes will get shorter. As you read through your golf book, look for tips on choking down on the club to take a little distance off your newfound power.

Find a nice quiet place to practice your short game. You need to be at least 100 yards out and work your way in with the putter being the last club to practice. If you are not hitting the greens, you must know how to chip and play out of bunkers. Mastering your short game will also take a bundle of golf strokes off your game.

Practicing your golf swing as much as three times a week for at least 1 month, and reading up on golf swing instructions will eventually move you towards a much lower scorecard if you are persistent with your goals.

Golf Tips

The correct grip is a key fundamental component of a golfer’s game and is required to have a consistently good straight game, giving you the ability to shoot low scores with ease.

When the grip is faulty, poor shots often result along with an inconsistent and unreliable game. Therefore it is essential for your game that your grip is correct if you want to take your golf to the next level.

Firstly place the club in your left (opposite for lefthanders) hand, close your left hand around the grip as if you were shaking somebody’s hand. Your thumb should be pointing down the grip, slightly to the right of centre.

Then bring in the right hand, firstly interlock the little finger of your right hand with the forefinger of your left hand. The underside of the grip should be placed on the joints of the second and third fingers of the right hand. Your right thumb should also be pointing down the grip, while your right palm should be facing towards the target with your left hand facing away from the target.

Two V’s should be formed by the thumb and forefinger of each hand, these should both point somewhere between your right shoulder and eyes.

When holding the club, the club must be held firmly but with the minimum of effort. Having the correct grip allows your hands to work freely with the utmost control while a poor grip leads to a lack of club head control.

Key Points:

• Your arms and hands are relaxed.

• Your left forefinger is linked with the little finger of right hand, 2 or 3 knuckles should be visible.

• The V’s created by the forefinger and thumb on each hand should point be to between your right shoulder and eyes. These V’s should be pretty much parallel to each other.

• The grip should be comfortable yet held firmly with little effort, it is vital that the club head does not open or close on impact.

To test that you have a good grip, it should feel as though both your hands work together as if one. When you lift the club and move it, your hands should feel comfortable and secure.

Problems and cures for slightly faulty grips: You may find that you are slicing the ball; this could be due to a problem with your grip, (although it may be due to other reasons mentioned in my other article that aims to solve the slice) try rotating your grip slightly clockwise around the grip; also try holding the club more in the palm of your left hand.

If you have problems with hooking the ball, make a conscious effort to feel the ends of the fingers on your right hand pushing upwards through impact with the ball. This should help prevent you from closing the clubface on impact and so helps prevent you from hooking the ball.

5 Golf Facts That Will Change Your Game

Are you seeing the same decrease in your handicap that reflects your hard work and efforts? Do you consistently fall short on your drives or feel exhausted at the end of 18 holes? Do you carry the disappointment of a missed putt over into the next hole? If you are plagued with problems like these then it is time to give your golf game a boost. Change your golf game for the better by focusing on the following five areas: flexibility, strength, endurance, nutrition, and mental toughness.

Flexibility:

Have you ever rushed to the golf course, quickly stepped up to the tee and felt stiff when you swung your golf club? Warming up your muscles can help relieve stiffness, but it is better to be more proactive in your approach. Therefore, it is essential to stretch on a regular basis. This allows you to increase and maintain your flexibility. You only need a small investment of your time in order to see significant gains in your range of motion.

Strength:

Have you incorporated strength training into your exercise routine? Many golfers are tempted to swing as hard as possible when hitting the golf ball. There are several adverse side effects of doing this. Your muscles may not be physically prepared for the intense strain and you may become injured. Increasing strength will enable your body to tackle the demands of the golf swing and prepare it for the action ahead.

Endurance:

Do you lose your intensity or feel tired after a few holes? If so, then focus on your endurance. At first glance, golf may not appear to be a game in which aerobic fitness is necessary. However, golfers that walk the course can walk nearly five miles over the course of 18 holes. Try to work in 20-45 minutes, 3-5 days per week of cardiovascular activity.

Nutrition:

Your body needs the proper fuel to work efficiently. Common sense dictates that loading up on junk food is a bad idea. So what exactly should you eat? An optimal sports nutrition menu plan will include high quality carbohydrates, lean protein, fruits, vegetables, and plenty of water.

Mental Toughness:

Are you still thinking about the drive you sliced on the first hole as you set up to tee off at the second hole? This negative thought pattern will adversely affect your game. How you perceive the situation affects each shot. One way to increase your mental toughness is not to relive missed shots. Visualize a good shot to help erase the missed shot from your mind.

Take these five facts into account and you’ll likely see better results with your game. It will take some time to make these activities a habit, but will be well worth the effort.

3 Tips to Improve Your Golf Swing

Do you have a favorite golf player? Is it Tiger Woods or Ernie Els? Have you ever thought that your swing looks like theirs? Woods and Els are two great golf players. When you watch them play, you will definitely notice their graceful and powerful swings. Honestly, it is difficult to imitate that just by watching.

Having a good swing needs constant practice. Also, your body needs to be well tuned up for it to perform well. Here are some basic tips to help you improve your golf swing and may help you shoot in the 90s or even 80s.

1. Warm up. Just like any other game or sport, golf players need a little warming up before starting a round. This is what most players, especially amateurs, often take for granted.

It is best to come early at the golf course and take a few minutes to stretch those muscles and warm up. This will make your muscles “know” that they are in for something and that they should be prepared. Taking a few swings in the driving range will also help you get tuned up and perform better.

2. Exercise. This is really important, not only for golf. Constantly exercising your body and muscles will keep them toned and ready for any activity. This will also prevent common body aches and pains that you usually feel when playing golf.

Getting into the habit of exercising, especially tuning up your muscles will have a great impact on your swing. It will help you have a good stance and increase total balance and control on your swings.

3. Do not swing too hard yet. It is really tempting to give your swing that extra effort. However, it is not recommended unless you already have the control of your swing. The key to a powerful and graceful swing is the balance and control that you have, add to it the proper form and stance.

So how do you get to learn to control your swing? Again, it’s tip number 2. Regular exercise will, in time, allow you to have a faster, more controlled swing.

Aside from these simple steps to do, it is also best to ask help from the pros, personally or thru online methods. They can give good advices as they already have learned a lot from their experiences. Keeping updated with the latest about golf will also help.

Also, most players tend to be so conscious in their desire to improve their swing that their minds are focused on every aspect of the swing itself; doing that will only make your swing look awkward. Instead, it is best to keep your mind off your swing. Try to focus on something else and the good swing will just follow.

Try to do these things when you play golf again. And do these regularly, then notice the change it will make on your next golf swing.

Why Should You Consolidate Your Student Loan

If you have just completed college, then chances are you are facing a mountain of student Loan debt, and may feel there is no way out. You may be wondering if there is a solution or end to this nightmare. One way of dealing with this situation is to consolidate your student loan.

To consolidate your student loan to a fixed rate can be substantially better, reducing your regular payments by more than forty percent. It may also be possible to stretch the term of your payment hence reduce your monthly outgoing.

The main disadvantage when you consolidate your student loan within the six month grace period is that you must start making your payments immediately. This can be extremely awkward if you haven’t yet a job outside of graduation. You can wait to consolidate your student loan just before the end of the grace period, and still receive the lower rates. But remember once you have consolidated your student loans you cannot un-consolidate them, so consider your choices before committing yourself.

How is interest calculated when I Consolidate Student Loans?

When you come to consolidate your student loans, the lending firm pays off your government loan and issues you a new loan under its own name. The typical way to determine the interest rate on the new loan is to take the average interest rates on all of the student loans, and offer a new rate that is an eighth of a percentage point higher (up to a maximum interest rate of 8.25%).

Although agreeing to a higher interest rate might not sound like a good reason to consolidate student loans, this rate is fixed over the life of the loan, whereas the government rate will fluctuate. Since rates are at an all time low at the moment, locking in the current rates might be a good idea.

Furthermore, many banks give you ways to bring down the percentage rates. For example, some lending institutions will drop the rates by as much as a quarter point if you agree to automatic deductions from a checking or savings account, whereas others drop the rates after a certain number of timely payments. As an additional bonus, there is no penalty for paying off your consolidated loan early.

There are alternatives to consolidating your student loans. Before you decide to consolidate you should carefully consider them. Did you realize that it is possible to have your student loan cancelled altogether? Your student loan may be cancelled if you choose to become a volunteer for the peace corp., or work for the government in a low-income area as a teacher or doctor. Cancellation however, is not possible once you have consolidated your student loan.

Another time to hesitate prior to choosing to consolidate student loans is when you are close to completing your payments. Increasing your payments and saving yourself some interest and the hassle of consolidation may be more advantageous.

Why free credit card debt consolidation

A credit card is a small plastic card used for borrowing that involves some charges. There is a hike in the use of credit cards that in turn has led to the biggest debt problem known as credit card debt. It happens when you have many credit cards and store cards whereby you are unable to pay your creditors in due course of time.

Credit card debt consolidation is the solution to all your credit card debt related problems. Many companies and online websites provide free credit card debt consolidation. There are many reasons due to which it is beneficial for you if you switch over to a credit card debt consolidation.

1. You have to pay multiple creditors but when you consolidate your all credit card debts carrying high interest rates into a single credit card debt with less interest rate, you get financial benefits as such.

2. Credit card issuers asks the consumer to pay an annual fees for the use of credit card and when you own multiple credit cards you have to pay high annual fees. When you consolidate your credit card debt, you are saved from paying such annual fees because the card issuer knows that might get new customers.

3. If you don’t know how to spend on credit cards. You might think that it is necessary to spend the whole amount of money in the specified period of time and indulge in more debts. By consolidating all your outstanding credit card debts you can later pay them as monthly installments. So if you feel that it will take more than one year to pay your outstanding credit card debt you can consolidate your credit card debt as personal loan.

4. The reason when you are building up with all your credit debts and unable to pay off your monthly credit card debts i.e. you have a bad credit rating.

5. Credit card issuers also pay you if you consolidate all your credit cards debt into one credit card debt consolidation.

When Your Debts Get Tougher

Financial problems are ones of the most difficult to solve.

We cannot do away with them because there will be points of our lives when we need to ask somebody to lend us some amount: big or small. Inevitable situations like death of the breadwinner in a family, terrible sickness or any emergency for that matter and so many credit cards to pay for. These push someone to lend money.

You can lend money in the fastest way available now. With an advanced system of money lending today, you will really be tempt to give it a try. Borrow fast and pay slow or possibilities may not be favorable to you. Worst, you will have a hard time paying for them. This is where bankruptcy knocks on. Bankruptcy is fatal. Yes, it is a figurative way of telling how bankruptcy may bring the most negative effects to a person or to a home.

When one faces this so tough problem, the bankruptcy laws with a lawyer’s help may ease the burden. Your lawyer may give u good advice like talking to your creditor asking them to lower down a bit or ask them to give you more time to pay. Another option is to seek advice from a credit counseling service. Private or public, they will help you deal with this situation and may help you negotiate with your creditors. The last available option is debt consolidation.

US bankruptcy laws offer two options for bankruptcy. One can choose between liquidation plan and repayment plan. These have both advantages and disadvantages. Consider all the sides of the situation and choose what suits you best.

You start your move to survive against bankruptcy by bankruptcy proceedings. This is commenced by filing bankruptcy forms. One gives his or her personal information. This includes your list of assets and liabilities. A meeting with one’s creditors will happen after a month. In most cases, creditors do not show up. This meeting aims to ask and confirm what one has written on the form. An interrogation will let you answer questions regarding your assets and liabilities. One’s lawyer is always there to help him or her out.

Under the bankruptcy laws, its will protect you from the harassment of your creditors before the proceeding starts It means you will not experience all those pressing calls forcing you to pay as soon as the next day. Creditors are not allowed to contact you during unreasonable hours. In addition, creditors must not leak your situation in your workplace. It will just modify the way your work image to your boss. Moreover, creditors are asked to cancel any means of hurrying you up to pay. Another important point is that your current employer is not allowed to use your bankruptcy as a reason for firing you out of a company.

A trustee appointed by the court will work with you after you have filed your bankruptcy forms. In the liquidation proceeding and repayment option, the trustee portrays different roles. He has the role to sell your assets and the money acquired will be distributed among your creditors. That is his role on the former. On the latter, he has the role of collecting payments from you and he will distribute them to your creditors. He also takes control in approving any of your new credit obligations.

After the bankruptcy proceedings, the court will end your accountability to dischargeable debts. For a span of ten years, all your bankruptcy proceeding records will be noted. Within this span of time, this record will be considered by any agency or person you wish to transact business with. The proceeding and all is not for free but one will not pay too much. An amount for the forms is the only thing to pay for. For a repayment option, one needs to pay like 10% of the amount you paid for the creditors. Lawyer’s fee may soar but the result will send one to greater heights.

Bankruptcy is inevitable. It may be the test of fate. But do not even let it test you.

What Is Credit Card Debt Consolidation

Credit cards are now the norms every one uses it. They are the safest way to make payments to the sellers this method carries no risk of theft or anything else.

However one must realize that with credit card shopping that you have to make your payments on time and with the due amounts you cannot afford to miss one thing in this. One thing that can make payments of credit card debts easier that is credit card debt consolidation.

Being in debt is like being in a mess you have no control everything looks out of order and if you are in debts by the means of credit cards then the situation is even more difficult to handle. Creditors to whom we owe to keep making derogatory phone calls all the time and there seems to be no way out.

If you are looking for a way out then the best one would be through credit card debt consolidation loan. By taking a credit card debt consolidation loan all the debts that you have taken will be consolidated into one from single creditor, which can then serve you with the following benefits:

· It is easier to pay to a single creditor than to pay to multiple creditors.
· While you pay to the multiple creditors you have to be totally on the mark making sure that every creditor is paid on time and the due amount otherwise you get a fine with credit card debt consolidation you can avoid that.
· Your new creditor will offer you terms to your liking, which would include lower interest rates and lower monthly installments.
· With credit card debt consolidation you would not have to interact with your old creditors, therefore those annoying and disturbing phone calls would be stopped.

If you are a person who does not have a good credit score and you are also caught up in the credit card debts then you can also use the credit card debt consolidation all you need to know is your credit score.

Credit card debt consolidation is available in both secured and unsecured forms i.e. with or without a security to the borrowers; depending upon their affordability they can choose the option best suited to them. You can apply for these loans either by going online or by applying to your local creditors subject to the requirements the loan will be approved in a reasonable time.
Debts can accrue on anyone but what we must make sure about is that they do not get out of control and their adverse effect is not intensified. Credit card debt consolidation has been introduced so that people can use them to eliminate their debts.

What are 3 Worst Debt Consolidation Moves

You have unbearable debts and the debt consolidation might be your option for you debt problem. There are so many debt consolidation agencies around in the marketing with their “The Best” debt management program which will help you to resolve your debt problem. All the plans seem to very good and it is a hard decision for you to select the best for you.

While considering all the plans offers by debt consolidation agencies, there are at least 3 worst debt consolidation moves which you should avoid them. These 3 worst debt consolidation moves include:

1. The Hard-Money Loan

If you already miss a few months’ repayment and your repayment sums are piling up and exceed your monthly financial capability; and you are tired of answering harassing call and mails from various creditors to urge you to make payment. Then, you probably need a loan urgently to eliminate the harassment from creditors and bring down your monthly repayment to affordable level.

The consolidator may entice you with promises of an easy-does-it loan, and end up charging you higher interest rates than you’re paying now — as high as 21% or 22%. “Your monthly payment may be lower” with one of these loans, “but you’ll end up paying more”. You should get a consolidator who will look for other alternatives besides offering you an easy loan with high interest rate, such as negotiate with your creditors for better repayment options.

2. Debt Consolidators Who Promise to Take Care of Everything

The debt consolidation companies may incur an up front fee of one easy payment to cover for everything, they will negotiate lower interest rates, reduce your monthly payments. & etc. These debt consolidation companies will promise you that they will take care everything for you and all you have to do is make “one Easy payment’

In reality, many debt consolidators build in a fee as part of the monthly payment you make to them. It’s usually about 10% of the payment (i.e. about $50 on a $500 monthly payment). They pass along your payments to the creditor and get back a 10% to 15% from your creditors; normally this is part of the negotiation outcome with your creditors.

Here’s another risk with consolidators you should know about: they have been known, in some cases, to make late payments or even miss payments, thus worsening your plight (and your credit record). Hence, it is good for you to follow up with the debt consolidation company or even your creditors to check you payment status.

3. The Balance Transfer Trap

Low-interest balance-transfer cards are a dime a dozen these days, but remember that those rates only last a few months. Most of the balance transfer plans offer you with a low interest for the first fee month normally 3, 6 or 9 months; after that period, the interest rate will get back to normal, worse still almost all the balance transfer plans will require you to pay for a process fee. After that “low-interest-rate” period, you may have to apply new card to balance transfer these amount again. The danger is that at some point all this activity begins to show up on your credit report, and you start to look like a bad risk.

If you think you can swing from the balance-transfer vines for a few months, just make sure you formally close all your accounts yourself, and then notify the credit-card company to mark the account “closed at customer’s request”. Otherwise, on your credit report, it will look like the creditor closed your account which will have a bad impact on you credit record.

Summary

A debt consolidation is an option for you to resolve your debt problems and they are many alternatives and plans offers on debt consolidation. Review them carefully and avoid worse debt consolidation moves as mention above if you have a better option.

The Time To Consolidate Your Student Loans Is Now

I don’t know if you’re a fan of financial guru and radio show host Dave Ramsey, but I certainly am.

I listen to Ramsey every day and find his advice to be based on common sense principles for getting out of debt and building wealth.

One thing that Ramsey recommends is that if you have high interest student loans, you should refinance and consolidate them now to lock in a reduced interest rate and lower your monthly payments.

Other financial pundits agree. Most agree with Ramsey that the sooner you consolidate and refinance old high interest student loans, the better off you will be.

I don’t have student loans (no college would have me :o), but many of my friends do.

I live in a very high tech area with lots of degreed engineers and programmers and scientists, many of whom owe tens of thousands of dollars in old school loan debt.

If you have student loans the time to think about refinancing is now.

Federal student loan interest rates are at an all time low, but that can’t last forever.

By refinancing your student loans now, you lock in the interest rate for the duration of the consolidation loan.

The first thing you need to do is find out if you are eligible for student loan consolidation.

On a referral from a friend, I found one online organization that offers a free survey that will tell if you are eligible for a federal student loan consolidation.

This organization says their average customer saves $150 a month or $1,800 annually. That can add up to one heck of a savings over the life of a 5 to 10 year loan.

Simply complete the online survey found at the link below to see if you are eligible to consolidate your student loans.

The Basics of Debt Consolidation

Accumulating debt is very easy nowadays, which makes debt consolidation that much more important to the everyday consumer. The basic idea behind debt consolidation is that a consumer takes out one loan in order to help them pay off a number of other loans. The advantages of consolidating debt include a lower interest rate that is often secured, and the simplicity of dealing with just one loan instead of several.

A first word of warning is to steer clear of debt consolidation companies. These are the ones that run commercials promising debt help despite your poor credit. They will charge application and handling fees that other sources of help would not charge, and will oftentimes charge up to 23% in interest, which would be reflected negatively in your credit rating.

Credit cards often charge high rates of interest, which makes them a popular candidate for debt consolidation. In this case the process is relatively simple. If you hold several credit cards with high rates of interest, you can simply transfer their balances to a single credit card with a lower interest rate. Many times you will be able to find credit cards offering a low introductory APR, and oftentimes this introductory rate will actually be 0% for the first six months.

If you are accumulating credit card debt because you are constantly spending more than your actual income, then consolidation will not help in the long run since your credit card balances will inevitably surmount again. As unappealing as it is, you may have to force yourself to look long and hard at yourself in the mirror in order to see that you may have to change your lifestyle and spending habits in order to fully take advantage of debt consolidation. Canceling your newly-zeroed credit cards is a good place to start.

If you are a homeowner then you should look into obtaining a home equity loan. In this case your home will act as collateral. So long as your loan is not more than the value of your house the interest on the loan will be tax deductible. Remember that if you default on this loan, it is very possible that you will lose your home.

In other cases of debt, you can find help at your local bank or credit union in the form of a secured or unsecured loan. The difference between the two is that a secured loan requires you to put up property as collateral, while an unsecured loan does not require any collateral. Needless to say, it will be more difficult to qualify for an unsecured loan.

Swimming In Bills

Every day, individuals are faced with mounting debt that is gradually getting out of control. Once credit cards reach their limits, payments are late or interest skyrockets, it literally becomes a battle of sink or swim in the debt pool. Consumers often turn toward a debt consolidation loan if their current debt can be combined into a smaller monthly payment.

The most popular reason for a debt consolidation loan is to get rid of high interest credit cards. It is a well known fact that credit cards carry a much higher interest rate than secured loans, including home and auto. By paying only the minimum payment, it will typically take 15 to 30 years to pay off most credit card debts. The reason is because the majority of each month’s minimum payment is swallowed up by interest with very little, if any, money going toward the actual balance. By requesting a debt consolidation loan, many consumers qualify for a much lower interest rate and smaller monthly payments. As the years progress, this reduction can result in a substantial savings while helping the customer to save money every month.

The process by which an individual applies for a debt consolidation loan is very similar to any other type of loan. A typical application will ask for the applicant’s name, address, telephone, social security number and employment information. In most cases, the potential lender will request a copy of tax returns for the previous two years, current pay stubs and/or employment verification. In certain instances where the applicant has poor credit, the lender may require a co-signer or collateral before approving the loan.

With the continued growth of the internet, there is no shortage on potential lenders. A debt consolidation loan may be requested at a local bank or credit union, but may also be sought online. With such a broad range of options, consumers are better equipped to shop around for the most competitive interest rates and loan options. In many cases, an account holder will have success with his/her own bank as they have an established history with the organization. In other instances, a competing bank may be more willing to approve a debt consolidation loan in hopes of earning the applicant’s future business. For those who opt to seek a debt consolidation loan online, consumers are urged to proceed cautiously before providing their social security number on any application unless they are certain the lender is legitimate. One way to do that is to check out the company’s history with the local Better Business Bureau.

A debt consolidation loan is, in many cases, a way for individuals to regain control over their financial life and save some extra cash in the process.

Sticking to a Debt Consolidation Plan

The success of any debt consolidation plan is dependent on how you stick to it. This is of course obvious, but it should be known that though getting out of debt can be challenging, it can surely be accomplished with the right dedication and perseverance. So keeping this point in mind, it is important to remember that you take some extra steps to give your debt consolidation plan the best chance to succeed.

The most important thing to implement and remember in any debt consolidation plan is to cut up all your credit cards, except for one or two, which can be used in emergencies. To symbolize a fresh start to your financial status, it is important that you take your debt consolidation plan seriously and thus throw away the pieces of your credit cards. For you to be able to create your own debt consolidation plan, it is important that you cancel all your credit lines and thus request a lower rate of interest on the remaining debt. With this, you should get an idea on how much money you will be expecting to cover with your debt consolidation plan.

Another point to remember and implement in your debt consolidation plan is to transfer as much debt as possible to the credit card having the lowest interest rate. This credit card will then be the focus of your debt consolidation plan, rather than the many different loans you have from different creditors. Another option for your debt consolidation plan to consider is to get a debt consolidation loan from a bank at a lower rate. To make sure that you will stick to your debt consolidation plan, and also not accrue further debts, it is important that you use cash for all your purchases, and to buy only what you can afford. Remember, if you don’t have the money for it, then it is probable that you don’t need it anyway! Remmebe that you are cutting down on your luxuries with a reason, and make it a point to focus on your debt consolidation plan. Never be tempted to think that one small charge on a credit card won’t have a negative impact on your debt consolidation, as it very much will! Remember, that there will be another sale coming to your favorite store in the future, but this is your only chance to get all your finances back on track. It is very important that you stick on your debt consolidation plan for this to happen.

The most important point of focus of your debt consolidation plan would be to commit yourself to start paying off your debts one at a time, and not only say this, to do it too! Make it a point to pay off the credit card and loans with the highest rate of interest first so that you give your plan the best possible start and thus, a better chance at success in the long run.

Shred All Your Debts Through Credit Card Debt Consolidation

It is not possible for a person to carry cash all the time, so he prefers the plastic money called as credit cards. While using plastic money, he forgets the ill effect of using credit cards. That is, he has to pay a high rate of interest on using such credit cards. Once the person has entered the black hole of credit card interest, then it is difficult to come out of it. So in order to reduce his interest he should limit his usage of credit cards and also should try to consolidate his past credit card debts.

The person can also consolidate his credit card debts through various alternatives available such as credit card debt consolidation loan or a formal and informal credit card debt arrangement. But the credit card debt consolidation loan is advised to be the best way to consolidate the debts. Credit card debt consolidation loan also helps to save lots of money. Your credit card debts carry high rate of interest, but if you take a loan it will carry lower rate of interest. But sometimes it may not be good for every person. Though the loan carries lower rate of interest it leaves the person in the double debt problem.

Debt consolidation loan can be availed in two forms whether the secured loan or the unsecured loan. In the former, the person is needed to keep his security with the lender. The security is also the one of the reasons which let the lender to lower the rate of interest. While in the latter, there is no need to keep any collateral with the lender. Only the person is required to give a proof of his income and employment in order to avail the unsecured debt consolidation loan.

In addition to the various alternatives the person must also consult the debt counselor. The debt counselor will examine his financial position and will analyze his budget. After analyzing the budget he would advice on the best alternative in regard to your status.

Today the Credit Card Debt Consolation is also available online. Consolidating credit card debts through online makes the task simpler and faster. You are only required to provide a brief of your problem and certain financial details. And the people need not to worry regarding the security of the financial details. Because today every website uses certain encryption softwares in order to safeguard the data of an individual.

Using Aromatherapy Wraps To Relieve Tension

Americans can find themselves hurting for a number of reasons, and one place to turn when these aches begin to accumulate are the healing power of aromatherapy wraps. These wraps can seep into the muscle, aromatize the mind, and set you on the fast track to a relaxing recovery, no matter the pain or injury you may be suffering from. The best part about it is these wraps are easy to find, and they will relieve your tension and stress faster than just about any other product on the market. Don’t believe us? Take the time to read on and discover for yourself the amazing healing properties of these wraps.

One of the biggest problem areas for many sedentary office workers is the neck. People can’t sit at a desk all day, staring at a bright computer screen, without developing some problems. The human body was meant to be active, and trained early on to be a hunting, gathering, and fighting machine. The modern lifestyle doesn’t allow for much of this, but it does allow for plenty of sitting and not doing much of anything. This leads to problems such as Carpal Tunnel Syndrome, intense headaches, and literal pains in the neck. This leads your average consumer to stock up on aspirin, Icy Hot, and various other OTC medications that could be doing more harm than good. If you’ve had it up to here with your midday aches and pains, aromatherapy wraps could be your answer.

These wraps can be found in your local health store, and are perfect for when you come home with these common aches and pains. The instructions will typically advise you put the wrap in the microwave for a certain amount of time, thus producing the heat necessary to begin the aromatherapy process. This combination of heat and relaxing aromas can provide wonders in the way of relaxation. It may come as no surprise to learn that relaxation is one of the main keys to getting rid of these minor aches and pains. This is why massage and muscle relaxers work so well. Most of us don’t even realize on a conscious level how tense we are.

Next time you come home with aches and pains from an excessively sedentary job, it might be a good time to toss out the aspirin and try something new. Head out to your local health store and try out the answer so many natural specialists have been recommending for years. Pick yourself up one of these aromatherapy wraps and let the relaxation begin.

Treat Your Feet With Aromatherapy Booties

While they might sound silly to the uninitiated, aromatherapy booties are quickly becoming one of the most popular items on the rest and relaxation market. Designed for the purpose of letting you unwind from your hectic day and pamper your feet that have worked just as hard as you have, these booties could very well be a trend that’s here to stay. As the heat from the booties takes your feet to a level of heaven, the scent coming from the aromatherapy will dazzle your sense and take you to another world. A world of relaxation and peace far, far away from the busy schedules and constant cacophony of a twenty-first century life.

So, you may be asking yourself, what exactly are aromatherapy booties? Well, they’re quite a simple and ingenious invention, and are just about what you would think they are from the name. You simply take these small booties and slap them in the microwave for about half a minute to a minute. The heat they exude from this should awaken the senses in your feet, but that’s not even the best part. The heat also draws out the natural essential oils from the booties and puts the aromatherapy to work. So, while you’re relaxing after a hard day at work, not only do you get to pamper your feet, but you get to enjoy the soothing scents of natural aromas. If you’re a victim of dry feet, you can enhance the booties by rubbing some lotion into the product before putting them on.

If you feel like you would rather have a moister experience, you can take a spray bottle and work the booties over with some water before putting them in for their microwave time. This will moisten the booties and create an altogether different experience when you wear them. Not only can that, but the addition of the water help to lengthen the life of the booties. This is because the water actually helps to preserve the state of the oils in the booties, and lengthening the time the aromatherapy works.

The next time you come home from a hard day at work and put your feet up, think about how much of your tension and aches emanates from your feet. This will be particularly true if you work a job that requires standing or walking for great lengths of time. If your feet are a constant source of stress, you might think about trying these aromatherapy booties, and seeing what a difference they can make.

The Healing Properties Of Aromatherapy Pillows

Over 5000 years ago, people began to realize the value of essential oils from plants and today this has been perfected into a vast range of “scent”ual products like aromatherapy pillows. The use of these essential oils during the First World War proved that the brain was positively stimulated by the different fragrances. Injured soldiers responded well to the fragrances and it seemed that the brain’s limbic system was producing neuro transmitters that relieve pain.

Today the use of aromatherapy extend to all walks of life and is used to not only relieve pain, depression, stress, and other symptoms, but it can offer a more soothing alternative to ordinary house hold fragrances. If you want to use them for more medicinal purposes then you will find that the herbal pillows work wonders. They can be used to put on your eyes for calming and soothing them after a long day in front of the computers, and you can get a peppermint one that will help you to breathe better if you struggle with sinus problems at night.

These aromatherapy pillows will ensure that you get a good night’s sleep and wake up feeling wonderful. They are mostly made from a combination of natural herbs like buckwheat and flax, and you will usually get an extra bottle of the pure essential oil to drop on the pillow to strengthen its scent. You can also benefit from the peppermint aromatherapy oil if you suffer from motion sickness, so be sure to take your pillow on the plane, in the car or on the train with you when you go on a vacation.

These products are also safe and perfect for everyone to use, although there are certain oils like peppermint that must not be used if you are pregnant. All in all the herbal properties combined with the healing power of the aromatherapy oils makes for a rejuvenating experience no matter where you rest your head.

As you discover the wonderful benefits that you can get from a simple bottle of essential oils, you will soon begin to use them everywhere in your home. They can offer you relaxation and rejuvenation as well as helping you with minor body ailments and aches and pains. You will find that your aromatherapy pillows will help you to sleep better at night and sooth and relax you on long journeys.

The Positive Benefits of an Aromatherapy Oil Burner

With the use of an aromatherapy oil burner, you can imbue your home and body with the relaxing and tension-freeing benefits of scented oils. Though many in the strict scientific community might scoff at the notion of aromas being used to create such benefits, an entire marketplace has been built off people who know better. Essential oils and aromas, derived from natural herbs and plants, have been used for hundreds of years as a way to get in touch with relaxation. If you’ve been pondering ways to get rid of your stress and tension, take a look at aromatherapy and see what benefits you might derive from it.

You can get these burners from any natural health store, whether locally or on the internet. You won’t be restricted to any particular kind, as the market has determined that many different types will be available, depending on your aesthetic sense. They come in various sizes, various shapes, and plenty of designs to fit the decor of any home. Many an aromatherapy oil burner has been designed to be so attractive that they fit a dual purpose. They provide the home with a rich aroma, and they make a fitting addition to the decoration.

When you put one of these burners in the room, the room–whatever it might be, from living room to bedroom to wherever else you might like to relax–fills with the essential aroma of the oil one chooses to utilize. Though there has been some doubts from the medical community about the healing powers of aroma in and of themselves, there can be no question that one’s surroundings make a huge difference in their level of relaxation. If you are surrounded by a scent that you enjoy, then beyond anything else, you should notice a positive change in your relaxation and outlook. After all, these essential oils are derived from natural essences such as herbs and flowers. Man was meant to be surrounded by these scents, so it only makes sense that they would be welcomed by the average psyche.

With natural products such as essential oils more available today than ever before, you should have no trouble finding products that you need. If you aren’t fortunate enough to live near a holistic shop, there is the internet. There are dozens of places on the web you can find these products, and have them shipped directly to your home. If you feel that an aromatherapy oil burner could be what you need, don’t hesitate to purchase one and experience the power of essential oils in your life.

The Increasing Popularity of the Aromatherapy Machine

If you’ve been looking for a way to spice up your home and make it a place of relaxation and calm, an aromatherapy machine may be just the ticket. These machines can use scents and natural essences to turn a home into a wonderland of calmness and peace, something you may have tried to do in the past with limited results. By simply pressing a button, your room or home can become a tranquil place of rest, and allow you and your family to enjoy the delicate scents and the tremendous, much heralded benefits of aromatherapy.

Now wait, you might be saying, I don’t cotton with any of that silly Eastern philosophy. How is a simple smell going to give my family all of those benefits. And you wouldn’t be alone in your doubt. But aromatherapy goes beyond scented candles from the craft store. It uses essential oils to bring the very essence of nature into your home. Studies have proven that this sort of exposure to the right scents can make a world of difference in your home.

Recently, the University of Florida ran a study, taking fifty individuals from different walks of life and comparing their family and personal health situations on twenty five different criteria. Half of the group was exposed to aromatherapy on a daily basis, while the other half–the control group–was not. This was a half hour of aromatherapy a day, for a duration of three weeks. At the end of the time period, each of the groups were once again compared on the same criteria as before. Without exception, the twenty five people in the experimental quadrant experienced dramatic positive changes from the use of an aromatherapy machine.

Dr. Cal Hanson, who led the studies, had this to say about the results, “I was frankly amazed. While we had hypothesized there would be some level of benefit from the use of aromatherapy, we never dreamed the impact would be this profound. Anyone looking to improve their lives by a simple means of daily relaxation should consider aromatherapy as a necessary force in their routine.” Hanson is not alone in his praise of the power of aromatherapy. Doctors and scientists from around the world are beginning to see that aromatherapy is more of a practical pathway to relaxation than a passing Eastern fad.

Whether it’s to boost the level of communication at home, or simply to bring an atmosphere of relaxation to your family, aromatherapy should not be overlooked as a quick means to an end. It’s benefits are numerous, and, as more and more studies are being done, multiplying rapidly. It has even been said to aid children who have certain sensory impairments, such as ADHD.

While aromatherapy should not be taken as a substitute for medication, you might be surprised at the level of benefit you see from installing an aromatherapy machine in your home.

Give Relaxation with an Aromatherapy Gift Basket

When it comes to giving the gift of relaxation, few things can compete with aromatherapy gift baskets. Let’s face it, it can be hard to buy for some people. Once your friends are over the age of fifteen, they’re not quite so willing to just come out and tell you what they want for their birthday/Christmas/etc. It can be difficult to find that right present for that right person.

Thankfully, these gift baskets make the perfect present for so many people; it can even be turned into your signature gift. Your friends and family will adore it, and your presents will be looked forward to for the rest of the year. Of course, these baskets don’t necessarily have to be given as gifts. With their eclectic assortment of products, they might just tempt you to buy one for yourself instead.

One great thing about these baskets is that they can be personalized and unique for each person that you choose to buy them for. Do you have a friend who loved the scent of vanilla? Make sure you stock their basket with scents of that sort. Another friend who loves the smell of raspberry? You know what to do. There are so many different aromatherapy scents out there; you can customize each basket so that it is just right for the person you’re buying for.

Beyond simply the array of scents, there are lots of different products to choose from to fill up the basket. Aromatherapy gift baskets can be filled with shower gel, good smelling bail oils, lotions, and more. There are also plenty of relaxation accessories that would go nicely with a basket of this sort. Maybe you could include one of those CDs that play the sounds of nature, or the relaxing strains of soft classical music.

Most of these baskets are usually baskets in the true sense of the term, and they can be purchased at nearly any big box retail store, as well as smaller craft stores. Simply pick up a nice wicker basket and then fill it to your heart’s content. You can also save on wrapping paper, as a wrapped basket of this sort would simply be awkward. Slap a bow or a ribbon on the basket, and the present is good to go.

Whether you’re buying a basket for a friend’s birthday or for your wife on the occasion of your anniversary, these gifts of relaxation are rarely unappreciated. Everyone could use some time to sit back, relax, and get away from it all. The items you put into your basket could be just the tools they need to relax and pamper themselves for a change. The products to put in them can be found all across the internet, in the bigger retail chains, and in your natural wellness stores. For your next gift giving occasion, pick up and make one of these aromatherapy gift baskets and see if it’s not the best present someone ever received.