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We were watching a story about en estate auction that contained some very unique and exotic items that all came from one couple that had won the Illinois lottery lottery about 10 years ago. The exact amount that they received was not mentioned btu by the style and number of items that were up for auction it was quite a bit. It is estimated that over 50% of lottery winners end up in financial trouble due to the fact that they do not manage their money accordingly. Many lottos are paid out in an annuity over 15 -20 years. So this creates a stream of money for the recipients it can create financial hard ships if they over spend that yearly sum. It will get to a point where you can just use an online signature to cash in your tickets and make future purchases.
This is why having the ability of cashing out earlier than it’s maturity date has become a topic of discussion. This allows the recipients to realize their cash payments sooner and does not just apply to lottery winners, but for anyone that has gotten a settlement where the payout is stipulated out over several years. Many people may be looking to cash out their settlement due to the rising concern of businesses being around for the long run. We have seen some of Americas largest banks go away and the thought that it is only a matter of time before we see some other large corporations turn to bankruptcy. This puts any payments that have to consumers at the bottom of their list.

Another hurricane season is here and this means the states on the eastern seaboard need to keep up with the Weather Channel and the same goes for the gulf states of Texas, Louisiana, Mississippi, and Florida. Actually Florida residents probably have the most concerns during hurricane season. Their state can get hit on the eastern or western side of the peninsula. They are also the first state that usually has the first chance of making contact with a hurricane. Everyone remembers Hurricane Katrina and all the damage it caused in New Orleans and surrounding areas. Florida actually saw Katrina first and they were lucky that the hurricane was not as strong then.

Everyone living in hurricane states should have their homes up to building code standards. It isn’t often that we see a hurricane making landfall on the western side of Florida, but residents living in Tampa Bay or Fort Myers should be prepared as well as their neighbors living on the east coast of Florida.  You can find help with and house support to help prepare for a potential natural disaster to better prepare for the impact.

I think most of us know that we are living in different times now and climate change is a real concern for our planet. We may have not seen the worse of the hurricanes yet and now is the time to start preparing for the future Katrina’s of the world. Hopefully these future hurricanes never form in our lifetimes, but let’s be prepared if they do. Do everything in your power to make sure your home is hurricane proof and please evacuate your home if local authorities make the suggestion.

It has been a long time since I went to school.  Honestly, I really do not miss it.  By the time I reached the second year in high school, I could not wait to get out.  And yet, I went all the way through getting a Bachelor’s degree.  That means six more years of school which I suffered through just to get a degree.  Personally I think going to the library and studying the books in the library is a much more effective method, plus you would not need to pay so much money for a college degree.

So, what do you remember most about school?  Perhaps you remember your teachers, or a favorite teacher, or a favorite class.   Maybe you remember your friends.  But the one thing you probably never paid attention to were the lockers, and yet lockers are one of the things you used the most when you went to school.  We all depended upon our school locker for holding our books, backpacks, Jackets, boots, and much more!

These School lockers are very important once you reach Junior High and High School.  Most if not all schools have them for these age groups.  That is why it is very important for school administrators, and they need to know where to find the best lockers for their school’s needs.  Now, you might be surprised what kind of lockers are needed in a school.  For example, I bet most people would not have considered that schools need Gym Lockers specifically for when they go to gym class and need to change into their gym clothes.

But, like I said, lockers are probably the last thing you remember about school, and yet they are the most important.  Without lockers, you would have had to take all of your belongings to all of your classes, which would have been a serious drag (not to mention a huge problem for your back).  Luckily, people have begun making backpacks that have wheels on them so that people can roll their backpacks on the ground and not have it be a stress on their backs.

Necessity is the mother of invention, and thank goodness for this invention that we have created.  Got an opinion of your own?  Let us know.  Write us a comment!

There was another earthquake, this time in China.  All of these earthquakes happening so often makes me (and probably many other people) wonder about the future of this planet.

Earthquakes are of course caused when ti-tonic plates rub up against each other and this rubbing produces shaking around the area that has shifted.  These can be near mountain ranges, or specific fault lines such as the famous San Andrea’s faults in California.  Another place where earthquake activity can occur is in the ocean.  Our planet is over 70% ocean and many volcanoes are actually beneath the surface of the ocean.  The infamous “ring of fire” is a good example of this.

In China though, mostly seem to be mountain ranges, so I suspect that the rubbing of these mountains together may be the cause of what happened in China.  This of course does not bother me.  What bothers me is the frequency of the earthquakes recently.

Now, this could be due to the fact that the world is becoming more and more interconnected.  Only because of things like television and internet have we recently been able to access everything that is happening throughout the world.  What we know now is much more than we knew before.  But, how many occurrences did we not know of before?  We will never know, since they probably were never recorded, or if they were, the public did not know about them.

However, many say that the earthquake occurrences are much more than before, and if this is the case, we have to ask why.  If there is a reason that we can figure out, maybe we can prevent it.  But it is quite possible that we will not be able to prevent it since we still know very little about earthquakes themselves, and as far as I know of, we do not have the technology to stop them.

It is amazing to see that the deep sea is something that we still have just barely explored.  Some of the deep sea creatures that have been discovered look as strange as any alien creatures you might see.  Some even look like glowing transparent cucumbers, something so strange people are still trying to figure out where they have come from, or how they evolved.

Now, there are some more common deep sea creatures that we all know about such as the Angler Fish.  This fairly ugly fish has some pretty odd habits including the male who attaches itself to its mate for life and has to live off of the female’s food intake.  The female finds food by a light which is at the end of something which looks almost like a fishing rod.  This light attracts fish, and then the female quickly snaps up the pray.

In the news more recently was a creature most people have probably not seen before, although this creature is by no means new to scientists.  The Giant Deep Sea Isopod, was recently brought up by a submarine to the surface and has now gained popularity.  This creature basically feeds off of the dead sea creatures.  It looks like a cross between a potato bug and possibly a cockroach.

This summer we are looking at heading out to some of the surrounding state park camping sites. We live in the Pacific NW and there are so many choices whether you like mountain terrain, or camping next to a lake we have it all. Finding the location can offer up a lot of options and narrowing down which area of the state or surrounding states we will camp is not easy. Now we must decide on choice of tents.  It is the type you take Elk hunting. This tent has a metal frame and the tent is made of cream canvas. You can buy an additional cast iron stove made in USA with a smoke stack. You can put up to three cots inside and I guess a few kids could sleep on the floor. I like the idea of being able to stand up and cook while my husband hunts for food, cooks with the dutch oven etc. However the standard hiking tent is much easier to install, yet with kids in and out it brings in all kinds of dirt.

We are even seeing some great deals on campers and RV’s because people are just not spending that type of money today. So if you have a little extra cash laying around you may be able to get a great deal and sleep in comfort on the next camping trip. Having a camper that allows you a place to get warm if you run into some cold weather or just a place to hang out and play games. So whether you plan on camping out in a tent, camper, or RV the most important thing is to have fun and take lots of photos to help you remember the time spent with family.

Do you like contests and sweepstakes where you can win lots of money? I know I like to enter everything under the sun, that I can enter for free and have the chance to win a lot of money. I know Publishers Clearing House is one of the leaders in the sweepstakes area, but I just wonder how much of a chance I have to win. It’s so popular, so you know a lot of people enter it each year. I would guess that about 80 or 90 percent of all U.S. households get their letters in their mailboxes. I assume a huge portion of those households send them back in and try to win all that money they are giving away.

Now the contest says you don’t have to purchase anything to win. I always wondered just how much of that is true. They send out information for people to get subscriptions from magazines. It is interesting now that you can get free magazines by mail over the internet yet you may not have that golden chance to be entered into the drawing. Unlike some of these sweepstakes offers where I think most of these are free and you will get some free magazines, but if you don’t cancel your subscription, they continue to ship you these magazines and you’re left paying for them. I never get the magazines, but I have filled out a bunch of those entries for Publishers Clearing House. So far they haven’t come to my front door with the TV crew, to give me all that money they are giving away. I guess I will continue to send back my entries, but I think I would have better luck in the lottery and the chances there are not that great either.

Over the past fifteen years or so, many “Credit Repair Companies” or “Credit Clinics” have opened up across the nation. Their main purpose is to help the individual remove incorrect and negative items from their credit report. Unfortunately, some of these outfits are scams from the word “GO” and have given the whole industry a bad name. They take the consumer’s money and then tell them it will take month s to get results, then disappear without a trace. With the information we have provided you with here, you have no need to take that chance. If, however, you decide to hire one of these companies, check them out! First, if the sales person or company uses the word “Guarantee” or “Delete”, Run and don’t look back! There is no way to “Guarantee” that ANYTHING will be removed from the credit report! Think about it for a minute. Unless he or she is going to “hack” into the credit bureau’s computer, how can he guarantee anything? The Clinic is NOT the one that “deletes” the information! Ask to see their license, get a copy of it, and then contact your State’s Secretary of State to make sure that the company has obtained and maintained the necessary license and/or bond.

In the State of Nebraska all companies, organizations, or individuals that provide credit services MUST (with NO exceptions) obtain a “Credit Services Organization License”. If they charge a fee BEFORE they provide the services they promise, they MUST also maintain a $100,000 Surety Bond for TWO YEARS after they cease doing business in the state. While you are on the phone with the Secretary of State’s office, ask if there have been any unresolved complaints against the company. Find out how long they have had their license as well.

As we approach the holiday season, it appears that stress seem to go up. A good way to eliminate stress  through exercise. Any type will help. I coach my kids soccer teams, so that definitely helps. Even just getting on a bike and riding for a 20-30 minutes can do the trick. If you spend a lot of time on the PC like I do, you need to take a break every 30-45 minutes, walk outside, or just get away from the monitor. This will also help your energy level if you are working on a project that requires you to be in front of your PC.

More community thoughts.

A lot of good choices out there for people that are searching for a new credit card these days, but one website out there let’s you easily compare all the companies. The lenders are very competitive out there for your business, so now is a good time to get a credit card or a new one if you have one already. You can use a rating website like Credit Card Comparison sites to find which credit cards would give you the best deals on balance transfers. This is a good way to get out of a higher interest bracket and into a lower one, by transferring your old credit card balance onto a new credit card.Balance Transfer Credit Cards is nothing new and smart people have been doing this for a long time. It only makes sense to swap your owed balance around if you can pay a lower interest rate on it. So this is one good way to judge which credit card might be best for you. You can break down a lot of other things like interest rates and cash back rewards to determine who has the best credit card for you. If you take a little time and go through all the big credit card issuers like Capital One, American Express, Discover, and, Chase  you will feel comfortable with your final decision and know you got one of the best credit cards out there that was right for you!

Recently my parents had their old reel to reel converted to VHS. They asked me if I could then take the content and covert of digital and edit some of the footage, to take out some of the longer footage, of where the camera was left running. I was able to use some editing software and cut it down a bit, but did not realize the shear size of this video would take on my Hard Drive. So I had to try and do it in segements. I searched the internet and found 100′s of recommendations on the best way to edit over old movies to DVD, but still experimenting.

I just finished reading, Now, Discover your strengths, and can say that this is a must read for all those who manage people. There is a special website and code on the back of the book cover that will allow you to take a simple test to discover your strengths, and then how to hone and sharpen those strengths. The basic premise is that we need to focus and continually improve the strengths, not focus on how to improve a persons weaknesses. The great benefit I found is that it gives you the different types of profiles and how to manage to those people.

Companies today rely on digital libraries to get stock images for their print and online campaigns. I have noticed this on a few sites, and while it makes sense, it does seem odd that they would be able to know how often and where an image may appear. Such an occurrence happened to competing banks. Bank of America and Citiigroup both were running ads about their refinance and mortgage division.

The cost of obtaining exclusive images can be quite expensive, considering the cost of location and people can add up to over $10K. This is why more and more companies are relying on these digital libraries where the stock images can be had for as little as a $1.With approx. billions of websites online, there is certainly a lot of duplication. Speed is essential to getting campaigns online and using this feature cuts their production time by days.

There is a new and free extremely powerful search tool geared towards finding misspelled words in eBay. Those auctions with misspelled words tend to sell for less, because they have fewer people finding and bidding on that item.When you start your type in a few keywords of items that you may be looking for. The the system will find auctions, that have misspelled words and display them for you.

We ran a search on Digital cameras and surprised to find some listing that were misspelled and actually how much less they were selling for. Try them the next time you want to go Sell or buy on eBay.

Try their search now and see:

If you are have the look of the year and are looking to get noticed then http://www.lookoftheyear.com may be your ticket to fame and fortune.