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Shopping is very addictive. Most of the time, the household budget is sacrificed once you go shopping. Shopping should not give you headaches as long as you know how to budget. Here are the things that you need to remember:
1. Always remember to spend your money wisely whenever you go shopping. Bring only the exact amount of money you need in buying your items. To ensure that you only buy the important things, you have to make a list of the items that you need to buy. You may then budget your money wisely and will prevent you from buying things that are not that important.
2. It is advisable that you compare prices from different stores before buying an item. Do not limit yourself to just one store. There are stores that offer the same quality but can have a lower price. A smart thing you may do is to be attentive to the prices of the items that you buy regularly when shopping. There are instances that a store has an untimely changing of prices on different items.
3. It is recommended that you do your shopping during the end of the season. Prices of many items, especially clothes, are very low and affordable during this time of the year. You may buy clothes in the months of August and September if you are looking for bargain clothes for your summer wear.
4. You may shop in dollar stores where you can find items that are on sale and where prices are low. Although the quality of some items is not the same when you buy in malls and shopping galleries but the merchandises are still new and not yet used. These stores can provide you the best prices that can cope with on your budget.
5. Another way to save money while shopping is to economize the travel you make in finding the stores you want to buy an item. You may take a stop on your daily route to check if the items you buy regularly have not changed their prices or are still in the price of your budget. You may purchase the item even before you do your shopping schedule. This can save you fuel and time.
6. Try to find discount stores that offer quality items that have discounts and can offer a very affordable price on your desired item. The prices on discount stores may vary depending on the season of the year. These stores can be located in large shopping areas like in malls and shopping galleries.
Summary:
One of the requirements when you apply for scholarship is the letter for recommendation. Here, the person you have asked to write this should support you as you keep your hopes to win the scholarship.
This is why, making sure that you approach the right person would definitely increase your chances in making it towards the free education you’ve always wanted.
When you choose the person to write the letter of recommendation for you, it does not necessarily mean that you ...
Keywords:
scholarship
Article Body:
One of the requirements when you apply for scholarship is the letter for recommendation. Here, the person you have asked to write this should support you as you keep your hopes to win the scholarship.
This is why, making sure that you approach the right person would definitely increase your chances in making it towards the free education you’ve always wanted.
When you choose the person to write the letter of recommendation for you, it does not necessarily mean that you approach the person whom you know for a long time. It does not necessarily mean that the person knows you very well. Since the aim of the letter is to give an affirmation to you as an applicant for scholarship, the person you should choose should be the one who can give genuine assessment of your skills and capacity.
He or she may not be a prolific letter writer. He or she may not have the greatest title before his name. He or she should know how to put his or her thoughts into paper. Choosing the person to write your recommendation letter should also have the capacity to produce the letter on time since most scholarship applications have definite timeframe in filing every requirement.
Once you have determined who will write your letter of recommendation, approaching him or her it your next task. Keep in mind that you should inform that person why he or she is the one you have selected. Explain to the person the reason and purpose of writing a recommendation letter. Also remember that a good approach will lead to better result and better letter content. The key is: be polite.
Keep in mind that letter of recommendation is a job that should work perfectly so your involvement is necessary. This means that once you have asked someone to write a letter of recommendation, you don’t leave him or her with the question, “What am I going to write about him?”
Make sure you provide him or her the details about you. List some your extra-curricular activities you think would be a great plus for you. Give the person every detail he or she has to know about you. And provide the person with the copy of your essay so that he or she would have an idea of the type of approach you make. On his or her part, knowing all these will make it much easier for him (her) to finish the letter early.
Summary:
Bookmakers
There are several subdivisions of bookmaker:
• Some operate spread betting services
• Some operate a telephone credit service or postal betting service
• Some operate betting shops off-course
• Some make a book on the racecourse
Bigger bookmakers will offer two or three of the above activities. At the racecourse bets are agreed with the backer at starting price, and are settled at the quoted price.
Bookmakers activities on or off the course are deter...
Keywords:
bookmakers, bhb, british horse racing board, bumping and boring, betfair, betting exchange, gambling
Article Body:
Bookmakers
There are several subdivisions of bookmaker:
• Some operate spread betting services
• Some operate a telephone credit service or postal betting service
• Some operate betting shops off-course
• Some make a book on the racecourse
Bigger bookmakers will offer two or three of the above activities. At the racecourse bets are agreed with the backer at starting price, and are settled at the quoted price.
Bookmakers activities on or off the course are determined by what is occurring in the market on the racecourse.
Immediately before a race, a betting market is formed. The total amount of money being wagered on a horse causes the price to move up and down.
Significant larger amounts, are signaled by tic tac between the rails, Tattersalls, the silver ring and bookmakers out on the course itself.
The level of this fluctuation within the market depends largely upon the strength of the market.
In the early stage of a betting market being formed, the prices are not generally decided by the amount of money wagered, but rather on what the larger Tattersalls board operators think the price of each horse should be.
Very often the early prices available are somewhat shorter than they should be.
Before the war, the true market price was generally dictated by money on the course, often provided by the bigger backers and professionals, commission agents acting on behalf of others such as trainers and owners, or the owners themselves.
Since the 1960’s there has been an explosion in off-course betting which has considerably changed how the markets function. It’s unheard of nowadays for an owner to go to the rails, command a price about a horse, and so affect the market accordingly.
More money is wagered off-course than on-course nowadays, information regarding these bets is transmitted by phone, and online via the internet to tic tac’s acting for big bookmakers. The on-course market now reacts within seconds.
Off-course money is often referred to as “Office Money”.
Where big bets are placed off-course affecting the market about a horse, this horse is known in the ring as a “betting shop horse”
This concept is crucial to understanding trading on the Betting Exchanges.
It is now the Betting Exchanges and the Betting Shops themselves which affect prices on the course. Not the other way around.
Data from online bookies and live on-course feeds can be used to confirm price movement data, but should not be used to predict it.
Most of the heavy betting nowadays is coming into the market via Betfair and Betdaq.
During the pre-race market, money coming in for a horse will either reinforce the bookmaker’s opinion or go against it; prices alter accordingly with supply and demand.
Watching and learning from the market is crucial to your performance on the exchanges. The market is your bible in respect of what you should or should not back.
Following the market on the course is actually more difficult than off-course nowadays with bookmakers erasing prices and overwriting them as they change. The prices are visible on the boards at the course and the major action is in the 10 minutes prior to the off.
On the exchanges and top websites, or in the betting shop, following the market is made really easy with television, videos and streaming online media.
In the shops and online the major price moves are backed up with commentary and text regarding the likely causes of price moves.
Weak and Strong Markets:
The strongest betting markets of the year are provided by the Cheltenham festival for National Hunt racing and Royal Ascot on the flat.
Less patronized courses where the racing is poor or trainers are “testing” provide considerably weaker markets.
In a weak market a few hundred pounds can causes a price to move dramatically, whereas in a strong market, tens of thousands of pounds would not move the market at all. This should be noted carefully if trying to move a price on an exchange, a tactic reserved only for real experienced punters.
Conversations with Victor Chandler in 1999 revealed some fascinating observations and changes within the betting arena.
“The racecourse punter has never had it so good. To be a punter now is heaven. With no expenses, being a professional punter compared to a bookmaker has to be the best choice” he said.
Chandler continued: “at the Cheltenham meeting last Sunday we did a survey and asked people whether they bet at the races.
Only 37% said yes. The rest either don’t bet or bet in small sums with the tote.”
Victor continues “That confirms that the culture of racing has changed. My on-course business has been decimated in the last two years. For example three or four years ago at the Eclipse meeting at Sandown, we took 200,000 on the big race.
Last year we took £8000...on Sundays, you see an enormous number of prams they are not our punters.”
The on-course bookie is doing less and less business nowadays, however the prices paid for pitches at the auctions is still considerable, demonstrating that they are a long way from going bust.
Box walker
A horse who is unsettled and walks round and round its box. The horse can begin to lose weight and become hard to train. The horse is often found to need a companion and is often given a goat.
Breeze up
When horses are allowed to “breeze up” along a racecourse for a few furlongs in view of prospective buyers for the purposes of bloodstock resale. This gives buyers a better look at a horse as oppose to the conventional method of just being led around the sale ring.
British Horse Racing Board
The administrative and governing body of racing. It came into existence in June 1993 and effectively took over control from the Jockey Club.
This marked a significant watershed in British racing history and provided a much needed shake-up of the existing power base within racing that had been in place for over 200 years.
Racing now had an accountable, democratic, representative governing authority, so giving the industry an executive role in shaping its own future.
The BHB’s principle responsibilities include:
• planning strategy and policy within racing;
• improving the financial position of racing;
• representing racing in dealings with government;
• the fixture list;
• race planning, including the supervision of race programs and the employment of handicappers;
• marketing and promotion of racing;
• nominating racing’s representatives on the horse race bettings levy board;
• liaison with the betting industry;
• encouraging and fostering breeding of bloodstock;
• collection and control of funds required for the administration of racing, including those required by the jockey club for the protection of the sport’s integrity;
• the development and maintenance of programs of training and education within racing;
• the contract under which Weatherbys supply administrative services to racing.
The principal aim of the BHB is to provide leadership towards putting British racing back on a firm financial footing.
In order to do this the BHB must aim to ensure that racing uses its resources efficiently, maximizes income from outside racing and has a single clear voice when airing its views to parliament, the press, amongst the BHB, members and representatives of the racecourse association, the Jockey Club, race horse owners association, thoroughbred breeders association, and industry committee’s.
Bumping and boring
Towards the latter stages of a race when the horses are tiring, a jockey may find his horse veering off the straight i.e. “bumping” and “boring” other horses off their original course. Naturally this is unfortunate for an opponent and in certain cases may prevent a horse wining a race.
There are frequent objections when this happens from the losing rider.
In cases of bumping and boring there will usually be a steward’s inquiry. Evidence will be taken from film provided by the camera patrol and the video re-run.
By and out of
Relates to the parentage of a given horse. i.e. a horse is described as being “by a sire” (stallion), or “out of” the dam (mare). The origin will usually be indicated in pen in brackets giving the name of the stallion.
Example: Commander in Chief by Dancing Brave out of Slightly Dangerous.
The most important part of carpet maintenance is
removing and disposing of accumulated dry soil. The
removal of dry soil will improve the air quality
indoors, extend carpet life, and help to maintain
the carpet. Keeping regular maintenance on your
carpet is one thing, although being sure you have
the right equipment on the job is another.
The Green Label
For vacuum cleaners, the CRI (Carpet and Rug Institute)
has developed a Green Label testing program. The
CRI developed the performance protocol with the
goal of protecting indoor quality, keeping all
surfaces as clean as possible, and all without
putting dust back into the air.
The Green Label program helps to identify vacuum
cleaners that meet three different types of criteria:
1. Removing soil.
2. Keeping dust out of the air by
containing it within the filtration bag and the
machine itself.
3. It doesn't damage the carpet and helps
to keep the appearance looking good.
The tests for determining the certification of a
vacuum cleaner were developed by carpet and vacuum
experts and reviewed by scientists with experience
in maintenance and the quality of indoor air.
Soil removal
The soil removal protocol will require that the
vacuum cleaner remove a specified quantity of soil
from the test carpet in four passes.
Dust containment
The protocol for dust containment will dictate the
total amount of dust particles that are released
into the surrounding air by the action of the
brush rolls, through the filtration bag, and any
leaks that come from the vacuum system. with this
test, the vacuum cleaner can't release more than
100 micrograms of dust particles per cubic meter
of air.
Carpet retention
The testing protocol for appearance retention will
require that the vacuum cleaner not adversely
affect the appearance of the carpet, based on
a year of normal usage.
If a vacuum cleaner meets all three of the above
requirements, the manufacturer may then display
the official CRI Green Label on it's brand of
vacuum cleaner. The CRI tests canister and upright
vacuums, wide area vacuums, and even walk behind
types as well.
Matching machines
Looking for that important Green Label is the first
step to providing longer carpet life and cleaner
air for your home or office. The next step is
selecting the proper vacuum cleaner for a specific
area. You can think of vacuum cleaners like
screwdrivers, as you wouldn't want to use a Phillips
head screwdriver to remove a flathead screw.
In the bigger, more open areas, a wide are vacuum
cleaner or sweeper can produce excellent results,
as well as an increase in productivity. The
average 14 inch upright vacuum can clean at a rate
of 3,000 square feet per hour, while the average
walk behind can clean at a rate of 40,000 square
feet per hour, and also lift the pile of carpet in
high traffic areas where the carpet fibers are
subject to crushing and matting.
The two motor upright vacuum cleaner is an excellent
choice in areas such as executive offices, lobbies,
conference rooms, and break areas. A two motor
upright can provide grooming of the fibers in the
carpet and removal of the dry soil. Most uprights
with two motor setups will also have a removable
hose and on board accessories for cleaning other
areas as well, such as vents and chairs.
Along with the type of area, you should also give
some thought to the needs of the operator. If
you are a manager, you should look for vacuums
with ergonomic features, especially if the vacuum
will be used for long periods of time.
If it isn't ergonomically designed, it could result
in injury to the operator. At the very least, the
cleaning operator might want to avoid using
vacuum cleaners that could result in injury.
Exercise is an essential in life. Most people will certainly nod their heads to this. Exercise is not only perfect for losing weight, it is also good for keeping a reasonable body weight, for giving a boost on the metabolic rate and also for burning those unwanted excess calories. Exercise also revs up the heart and the lungs' machinery making them more efficient in doing their natural functions.
Aside from these, exercise also works for strengthening the bones and keeps people looking good and feeling good about themselves. Exercise also gives people the stamina to enable them to keep up with the pace of their lifestyles. Unfortunately, not many people chose to do what is good for them. Most people could not decide exactly what to do when waking up in the morning; whether to exercise or to press the snooze button one more time.
The following tips are very helpful in reaching and maintaining the ideal body weight. This is especially great for women since they get through a lot of things going on in their bodies and are more susceptible to osteoporosis. Not to mention that many women are under the pressure of keeping themselves beautiful. It is recommended that one or two of these tips at a time are incorporated to the work out routine.
Worry not that the exercise routine is not enough. It is important to keep the commitments one makes. Ideally, it is advised to exercise three to five times a week for 20-60 minutes. However, this is not exactly the case in the real world. One should not frustrate herself by aiming for the ideal when she knows for herself that it is utterly impossible. If she an manage it two times a week for twenty minutes per session, that will do just great.
It is best to focus on doing what one knows she can do than to reproach herself for having not done enough. She can start from this point and then progress on afterwards. This should make her feel successful for having kept her commitment to herself.
Weight lifting should always come first. Many women always do cardio exercises first before weight lifting. A disadvantage of this is that it is possible to miss a critical component of the routine and spend all of it on cardio training. A women may notice this by not being able to see results even after devoting long hours at the gym. This can be avoided by reversing the order. This will guarantee visible positive outcome.
Remember to monitor heart rate. It is recommended to exercise at 75-85% of the maximum heart rate. Many people stick with just pumping up only 50% of their maximum heart rate. To ensure that one is working out at the prescribed target heart rate, she should use a heart rate monitor or any exercise equipment with this feature.
Work out for only an hour or less. Doing this will keep one from dreading the gym. Focusing on the exercise and the aim to be accomplished will make each work out session more and more efficient.
Have some sort of fitness social support. Being in a fitness community maybe the important element lacking in your training program. A social support can do amazing wonders and therefore should not be underestimated. It would be helpful to work out in a gym once in while if one customarily does her work outs at home. One can also try classes in activities that have always been interesting such as yoga, pilates or sailing perhaps. One can also join clubs such as a walking club or a running club for instance.
Pep talk yourself. One should not pressure herself too much; rather, it is best to congratulate one's self and give out words of encouragement in between exercises. One should never forget to say some positive feedback for herself.
Biasanya apa yang Anda dapatkan di forum adalah orang-orang yang tidak tahu apa-apa berbicara dengan orang-orang yang tidak ingin mengatakan apa-apa. Anda kadang-kadang dapat menemukan tips luar biasa pada beberapa forum: tapi Anda harus menggali lewat 400 posting jelek hanya untuk menemukan satu posting yang bermanfaat. Yang menjadi waktu yang sangat besar tenggelam.
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