FENG SHUI YOUR HOME

http://www.squidoo.com/pillows-homedecor

Put a frog on your bed, on your kid's bed, on your favorite chair!!

Love these cute stuffed throw pillows.

Check them out at Melange Collection

The Credit Secrets Bible- A Video for you to view

The video in this series is THREE REASONS NOT TO CARRY A DEBIT CARD

VIEW THE VIDEO HERE FOR VALUABLE ADVICE

The TRUTH About Credit Repair...

-by Terry Price

(C) Copyright Terry Price
All Rights Reserved

CREDIT SECRETS REPORT

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

Have you ever wondered what companies
send you when they claim you can erase
bad credit overnight? How about those
ads that say you can get any major
credit
card without a deposit or a credit
check?

Ads abound almost everywhere
these days (online and off) selling
books, systems and secrets to
help you fix your credit. Many
of these programs have claims
which read like the covers of
supermarket tabloids:

"In 3hrs my credit score jumped
from 580 to 676!"...

"Erase bad credit and smash your
debts with just 2 Magic Letters!".

Are these types of claims ALWAYS
too good to be true? The answer is
"Yes and... no".

While many people would love for
you to believe the only thing that
can fix bad credit is time; in
reality... nothing could be further
from the truth. The fact is, time
is only one factor which can fix
a credit report, but it's a far cry
from being the only factor. How
can I back this up? Easy.

Under a consumer protection law
known as the Fair Credit Reporting
Act (a.k.a. the FCRA) the only
negative information which can
remain on your credit report is
not what is accurate... but what
can be proved as accurate under
the FCRA. What's this mean
to you?

It means any negative item on
your credit report can only remain
there if it is accurate and CAN
BE PROVED AS SUCH under the
guidelines of the FCRA. This
undisputable fact presents
consumers with both good
news and bad news.

The good news is that through
the FCRA your credit score can
most likely be improved dramatically
in a very short period of time with
only a modest amount of effort on
your part.

The bad news is that while the
actual "work" will take very little
of your time, it is vital that you
have good information on "how"
to go about it. This is the bad
news; 9 out of 10 courses on
restoring your credit will do nothing
more than lead you into snake
pits because they will provide
you with what the industry refers
to as "Boiler Plate" dispute letters.
These are nothing more than form
letters and... quite frankly (more
bad news) the Credit Bureaus and
Creditors will laugh at you if you
try to use them.

While I agree with the Federal Trade
Commission (FTC) that "Anything a
Credit Repair Clinic can do for you
legally, you can do for yourself at
little or not cost"... the key element
you need for success is the latest
inside techniques and procedures
to get the results you want. This
involves strategies such as "Proof
of Contract", "Constructive Notice",
"Challenge of Procedure" or
"Restrictive Endorsement" and many
others.

All these terms may "sound" impressive
but they are really quite simple. In
the
end, it is nothing more than a method
of communication which exercises your
consumer protection rights, gets the
results you want and raises your credit
score. Even more impressive, once you
learn how simple it can be by doing it
for
yourself, you will find there is a
fortune
to be made doing it for others! Either
way, it all starts by requesting a free
copy of your credit report here:

http://www.AnnualCreditReport.com

In the next segment we'll talk about:

"Is Your Credit Score Costing
You A Fortune?"

=======================================
The "CREDIT SECRETS BIBLE" has been in
print since 1994 and is published by
Consumer Publishing Group.
For more information on the "CREDIT
SECRETS BIBLE" you may visit:

CREDIT SECRETS BIBLE
=======================================

Rooibos Tea Extravaganza

Rooibos Tea, or commonly known in the USA as Redbush tea,
has been consumed in South Africa for generations.

Rooibos Tea is a natural caffeiene-free tea made from the Rooibos shrub which grows exclusively on the Cedarberg Mountains of South Africa. The green, needle-like leaves of the plant are cut and left to dry in the hot African sun. They turn a beautiful mahogany red color, thus giving the name, REDBUSH. Rooibos is the local South African Afrikaans translation of Redbush.

The tea is harvested at the fields, and there are many companies that package the tea under their own labels. ANNIQUE uses only the tips of the leaves for the freshest and tastiest blends.

Dr. Annique Theron discovered the calming and soothing properties of ROOIBOS TEA when she warmed her daughter's bottle of milk with some tea that she was drinking. Her daughter was a fussy baby, and she found that it enabled her to sleep for longer periods.

She went on to develop the range of ANNIQUE beauty products for women, men and babies.

Baobab Inc invites you to a tea extravaganza---

Rooibos Tea
Annique Beauty care products for
• women
• men
• babies
A selection of tea pots in our tea garden

MaxMalls - Super Shopping Spree

The latest trend in shopping on-line is the super-duper-all-encompassing
MAX MALLS


Here you can shop from all the biggest shops like NetFlix, Target, Walmart, Kohls, BestBuy, Flower.com, and hundreds and hundreds more. (Yes, really hundreds).

MaxMalls donates a portion of every sale to FEED THE CHILDREN. There are many categories that you can search in, all from the one website.

Arts & Hobbies
Auctions
Automotive
Baby
Beauty & Fragrance
Books
Business Services
Charity
Clothing, Shoes & Accessories
Computers & Office
Downloadables (Music, eBooks, etc.)


DVD, Audio & Video
Education
Electronics
Financial Services
Flowers & Gifts
Food & Beverage
General Merchandise
Health & Wellness
Home & Garden
Jewelry & Watches
Magazines & Newspapers


Music
Pets
Real Estate
Romance
Services
Sports & Outdoors
Tools & Hardware
Toys
Travel
Video Games/Online Gaming

Sudden Spouse Death

SUDDEN SPOUSE DEATH

Recently, friends came over for dinner and then left the next day for their winter home. Two days later, the husband called to tell us that his wife had lain down for a nap, and never woke up again.

This had a profound effect on me. It disturbed my sense of mortality. It made me look at my family with new eyes, and wonder whether I appreciated everything that was good in my life. Had I ever been mean to anyone that I would regret.

I have gathered together a team of experts in all aspects of grief counselling, finances, and some healthy doses of practical advice, which you can get at my website. Sudden Spouse Death.

Friends in Strange Places

Through the lens of Tanja Askani in Alberta, Canada .
He spotted these adorable little guys in his backyard.
He set up a camera on his porch and wound up getting

award winning photos in his own back yard!!

See the Deer and the Hare here

What if you didn't have e-mail?

A jobless man applied for the post of "office boy" at Microsoft.

The HR manager interviewed him, then watched him cleaning the floor as a test.
"You are employed", he said. "Give me your e-mail address and I'll send you the application to fill in, as well as the date when you may start"

The man replied" But I don't have a computer, neither an e-mail."
"I'm sorry," said the HR maanger. "If you don't have an e-mail, that means you do not exist. And who doesn't exist, cannot have the job."


The man left with no hope at all. He didn't know what to do, with only $10 in his pocket. He then decided to go to the supermarket and buy a 10 lb tomato crate. He then sold the tomatoes door to door. In less than two hours, he succeeded to double his capital. He repeated the operation three times, and returned home with $60.

The man realised that he could survive this way, and started to go everyday earlier, and return later. Thus, his money doubled and tripled everday.

Shortly, he bought a cart, then a truck, then he had his own fleet of delivery vehicles. 5 years later, then man was one of the biggest food retailers in the US.


He started to plan his family's future, and decided to have a life insurance. He called an insurance broker, and chose a protection plan. When the conversation was concluded, the broker asked him for his e-mail address.


The man replied, "I don't have an email". The broker answered curiously, "You don't have an e-mail, and yet you have succeeded to build an empire. Can you imagine what you could have been if you had an e-mail?!!"


The man thought for a while, and replied, "Yes, I'd be an office boy at Microsoft!"


Moral of the story

Moral 1 - Internet/e-mail is not the solution to your life.

Moral 2 - If you don't have an internet-email, and work hard, you can be a millionaire.

Moral 3 - If you received this message by e-mail, you are probably already an office boy/girl, and not any closer to being a Billionaire....!!