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	<title>My Articles Blog</title>
	<link>http://partsconnect.com/myarticlesblog</link>
	<description>Just another Partsconnect.com weblog</description>
	<pubDate>Fri, 29 Aug 2008 22:49:07 +0000</pubDate>
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		<title>What is Good Conformation?</title>
		<link>http://partsconnect.com/myarticlesblog/2008/08/29/what-is-good-conformation-2/</link>
		<comments>http://partsconnect.com/myarticlesblog/2008/08/29/what-is-good-conformation-2/#comments</comments>
		<pubDate>Fri, 29 Aug 2008 22:49:07 +0000</pubDate>
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		<description><![CDATA[Conformation-the way a horse is put together-will determine not only how sound a horse remains throughout his life, but will also determine to what extent he will excel at his particular discipline. While some points of conformation vary with the type of horse and what job he is doing, there are some general rules of [...]]]></description>
			<content:encoded><![CDATA[<p>Conformation-the way a horse is put together-will determine not only how sound a horse remains throughout his life, but will also determine to what extent he will excel at his particular discipline. While some points of conformation vary with the type of horse and what job he is doing, there are some general rules of conformation that most horsemen agree on.</p>
<p>Feet</p>
<p>Feet should be large enough to support the horse and his weight, and the hoof wall should be hard but not brittle. The front feet and the back feet should appear to be symmetrical from all angles. The sole should be slightly concave, and heels should be even where they join the sole. </p>
<p>Legs</p>
<p>Legs should be straight. Legs that are out of alignment can result in soundness problems, as the forces that travel up the leg of the horse as he moves will affect other parts of the body, depending upon where legs deviate. Legs should also be symmetrical, with no bumps or bulges. Each pair of legs should also match each other.</p>
<p>Joints</p>
<p>Good joints are imperative to any horse who performs. Joints should have the correct axis, and they should be symmetrical, free of lumps, cool to the touch, and should be in proportion to the size of the horse. If one joint seems too large it should be examined for injury. If all joints seem too large the horse should be examined by a veterinarian for nutritional or metabolic problems. From the front view, a line dropped from the point of the shoulder to the ground should bisect the knee, fetlock, and hoof. From the side view, the line from the front of the fetlock, along the top of the pastern, and continuing along the front of the foot to the ground should be straight. </p>
<p>Shoulder</p>
<p>Good shoulder conformation will depend upon what the horse is being used for, as shoulder slope and how long the shoulder is varies with breed type and use. As a general rule of thumb, horses used for speed should have a long, sloping shoulder, while those used for power have more upright shoulders. </p>
<p>Withers</p>
<p>Since withers are what keeps a well in place, any ridden horse needs to have appropriate withers. Horses with flat withers, often called mutton withers, often have difficulty being ridden up and down hills, but can sometimes fare well on the flat. Poorly conformed withers can cause pain in the ridden horse and can lead to unsoundness.</p>
<p>Hip</p>
<p>The angle and length of the hip should match the angle and hip of the shoulder. While short hip lengths rarely cause unsoundness they can negatively impact speed and power.</p>
<p>Back and Neck</p>
<p>The long back versus short back debate continues depending upon the use of the horse. While long-backed horses do tire more easily, they can be more comfortable to ride. Long-backed horses can also excel at jumping because of the scope the long back allows them. Long backs also allow more movement in the horse&#8217;s legs, which is why many long-backed horses excel at driving.</p>
<p>The length, shape, and way a horse&#8217;s neck connects to the chest and the back will vary depending upon the breed and use of the horse. Horses who run need longer necks, while horses who show in park or pleasure classes often benefit from aesthetically pleasing upright necks.</p>
<p>Eyes</p>
<p>Horses need big, well-placed eyes. Horses with small eyes may suffer from impaired vision or have a medical problem. Eyes should not be set too far toward the sides of the head, otherwise peculiar fields of vision are sure to be an issue.</p>
<p>Nostrils</p>
<p>The nostrils should be open and symmetrical, to allow for maximum air intake. Horses with extremely dished heads or thick necks sometimes have difficulty taking in the right amount of air despite nostril size, so make sure you take these things into consideration.</p>
<p>Ron Petracek is the founder of Equine Internets vast 15 site classified and social network. You can view its amazing size here Http://www.equineinternet.com/network.php or to further your equine habit please visit our forum by clicking here   www.horsechitchat.com/equineforums  http://www.horsechitchat.com/equineforums  and start posting Need to sell a horse or tack? place a free ad here   www.click4equine.com  http://www.click4equine.com  and always the barn door in left open on purpose.</p>
<p>AP - At the outset of this year, Russia proudly proclaimed itself an island of stability at the annual economic gathering in Davos, setting itself apart from the tumult of the global financial crisis.</p>
<p><a href="http://www.101-patio-garden-furniture.info/Benches-Chairs-and-Lounges/Lounges">Patio Garden Lounges</a><br /><a href="http://www.101-healthcare-laboratory-science.info/Lab-Equipment/Autoclaves-and-Sterilizers">Autoclaves &amp; Sterilizers Supply</a><br /><a href="http://www.1st-string-instruments.info/String/Cello">Cello String Instruments Sale</a><br /><a href="http://www.1st-water-sports.info/Store/Scuba-Snorkeling">Scuba, Snorkeling Sale</a><br /><a href="http://www.1st-fragrances.info/Armani/Armani-Mania">Armani Mania Mens Fragrances</a></p>
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		<title>George Benson Greatest Hits Of All Jazz Music CD Review</title>
		<link>http://partsconnect.com/myarticlesblog/2008/08/29/george-benson-greatest-hits-of-all-jazz-music-cd-review/</link>
		<comments>http://partsconnect.com/myarticlesblog/2008/08/29/george-benson-greatest-hits-of-all-jazz-music-cd-review/#comments</comments>
		<pubDate>Fri, 29 Aug 2008 22:49:05 +0000</pubDate>
		<dc:creator>myarticlesblog</dc:creator>
		
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		<description><![CDATA[Greatest Hits Of All is the latest release from Jazz Sensation George Benson, and is another great one by this talented musician.
This CD will grab your attention right from the start with This Masquerade and won&#8217;t let go until the very last note of the very last song Standing Together, which by the way is [...]]]></description>
			<content:encoded><![CDATA[<p>Greatest Hits Of All is the latest release from Jazz Sensation George Benson, and is another great one by this talented musician.</p>
<p>This CD will grab your attention right from the start with This Masquerade and won&#8217;t let go until the very last note of the very last song Standing Together, which by the way is another great track.</p>
<p>Greatest Hits Of All has a nicely varied, mix of 19 tracks that are very well written songs by this clearly talented artist. With many of the songs displaying a lot of the kind emotion that makes for a really great listen. Seemingly drawing from what I can only imagine are him own real life experiences. At different points touching on the most real emotions like love, heartbreak, pain, failed relationships and unattainable romance. They&#8217;re all here.</p>
<p>Listen to this CD and I believe you&#8217;ll find there&#8217;s not much to dis-like about it. The songs are inspired, the production is simply outstanding, and George Benson is clearly in top form. So much so that if you&#8217;re even mildly into Jazz music you&#8217;ll enjoy this CD.</p>
<p>While the entire CD is really very good the truly standout tunes are track 3 - The Greatest Love Of All, track 9 - Turn Your Love Around, and track 15 - I Just Wanna Hang Around You.</p>
<p>My SmoothLee Bonus Pick, and the one that got Sore [&#8230;as in  Stuck On REpeat ] is track 11 - Never Give Up On A Good Thing. This is a great track!</p>
<p>Greatest Hits Of All Release Notes:</p>
<p>George Benson originally released Greatest Hits Of All on Jul 08, 2003 on the Rhino Records label.</p>
<p>CD Track List Follows:</p>
<p>1. This Masquerade 2. Breezin&#8217; 3. The Greatest Love Of All 4. On Broadway - (live) 5. Love Ballad 6. Unchained Melody 7. Give Me The Night 8. Love X Love 9. Turn Your Love Around 10. Love All The Hurt Away - (with Aretha Franklin) 11. Never Give Up On A Good Thing 12. Being With You 13. Lady Love Me (One More Time) 14. 20/20 15. I Just Wanna Hang Around You 16. Kisses In The Moonlight 17. Shiver 18. Let&#8217;s Do It Again 19. Standing Together </p>
<p>Personnel: George Benson (vocals, electric guitar); Aretha Franklin (vocals); Claus Ogerman, Quincy Jones, Mike Mainieri (arranger); Gary Herbig (saxophone, flute); Jerry Hey, Chuck Findley (trumpet); Bill Reichenbach (trombone); Greg Phillinganes (Fender Rhodes piano, synthesizer); Ronnie Foster (electric piano, synthesizer, keyboards); Herbie Hancock (electric piano); Earl Klugh (acoustic guitar); Phil Upchurch (guitar, bass); Lee Ritenour, Paul Jackson, Jr. (guitar); Stanley Banks, Robert Popwell, Jr., Abraham Laboriel, Marcus Miller (bass); Narada Michael Walden (drums, programming); Harvey Mason, Steve Gadd (drums); Ralph MacDonald, Paulinho Da Costa (percussion); Patti Austin, Diva Gray (background vocals). Producers include: Tommy LiPuma, Michael Masser, Quincy Jones, Narada Michael Walden, Preston Glass. Compilation producers: George Benson, Scott Galloway, David McLees. Recorded between 1976 &amp; 1998.</p>
<p>Clyde Lee Dennis a life long music enthusiast, writes CD reviews and is also the Real Estate Editor at   SanFrancisco.eNewsBriefs.com  http://SanFrancisco.eNewsBriefs.com  covering topics like San Francisco California Real Estate and more. Visit San Francisco eNewsBriefs for the latest San Francisco News</p>
<p>Linda Chavez - America is in its darkest hour &mdash; again. It happens every four years when the Democrats take center stage for their national convention.</p>
<p><a href="http://www.ei42.com/benhollom/">Internet Shopping Commission</a><br /><a href="http://www.nohfox.info/Coins-and-Paper-Money/Coins-Ancient">Coins Ancient Collecting</a><br /><a href="http://www.1st-mp3-accessories.info/Car-Kits/Other-MP3-Players">MP3 Players Mp3 Car Kits Sale</a><br /><a href="http://www.surfing-wind-surfing.info/Surfing-Wind-Surfing/Body-Boards">Body Boards Surfing</a><br /><a href="http://www.1st-satellite-cable-tv.info/Satellite-Cable-TV/Satellite-Receivers-Standard">TV Satellite Receivers, Standard</a></p>
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		<title>Remove The Barrier Stopping You From Study Success</title>
		<link>http://partsconnect.com/myarticlesblog/2008/08/29/remove-the-barrier-stopping-you-from-study-success/</link>
		<comments>http://partsconnect.com/myarticlesblog/2008/08/29/remove-the-barrier-stopping-you-from-study-success/#comments</comments>
		<pubDate>Fri, 29 Aug 2008 22:48:41 +0000</pubDate>
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		<description><![CDATA[I will never learn Spanish, it&#8217;s just too difficult 
 How on earth could I possible solve such an equation, it&#8217;s impossible, period! 
Do you recognize any of the above statements? If yes, then you might have been seized by the terrifying phenomenon called bad self esteem. Having a bad self esteem could kill your [...]]]></description>
			<content:encoded><![CDATA[<p>I will never learn Spanish, it&#8217;s just too difficult </p>
<p> How on earth could I possible solve such an equation, it&#8217;s impossible, period! </p>
<p>Do you recognize any of the above statements? If yes, then you might have been seized by the terrifying phenomenon called bad self esteem. Having a bad self esteem could kill your studies faster than you can say tomorrow.</p>
<p>There is a very important lesson to be learned here, namely:  Study demands motivation . The successful student runs until he or she has become tired, walks until his/her legs can&#8217;t carry him/her and finally crawl to reach the destination. It doesn&#8217;t matter if the mountain is high and steep nor does it matter if the lake seems to be extremely deep, there is still hope. Never ever give up in the first shot, memorize the following words:</p>
<p> Winners never quit and quitters never win </p>
<p>Now let me tell you a little story about a certain pike, for those of you who don&#8217;t know, a pike is a delicious (in my opinion) fresh water fish. A few years ago, a group of scientists performed a couple of interesting experiments, mainly by using this fish. They placed the fish inside an aquarium and fed it by pouring in some smaller fish. They then placed a barrier of glass in between the pike and the smaller fish, resulting in the pike constantly trying to reach it&#8217;s food but ending up being prevented by this invisible wall. </p>
<p>Finally the pike stopped pursuing the fish, thinking that it was no good to even try. The scientists then removed the barrier and were they were quite amazed at what they saw; the small fish actually circulated around the pike without any counter reaction being executed, how come one might ask? As it turns out, the fish had been subjugated to acquire helplessness, a term that may be used in order to describe how an object is handicapped by it&#8217;s mere thoughts, thus forgetting about it&#8217;s capabilities by throwing in the towel for good.</p>
<p>Do you behave like this fish, or do you have the actual courage it needs to be able to stand up on your both feet and proclaim;  I will try to do my best in order to achieve my goals  or will you in similitude to this fish swim around in a pool of emptiness and self denial?</p>
<p>Adam Abderisak, a.k.a.  Study Coach  is an education instructor and entrepreneur. His latest work is a study guide entitled  Study Guide Pro . Be sure to visit his website to check out some of the most  lethal  study techniques known to man:   www.study-habits.com/study-guide.html  http://www.study-habits.com/study-guide.html </p>
<p><a href="http://www.designer-jewelry-hl.info/Designer-Brands/Cartier">Designer Jewelry Watches Cartier</a><br /><a href="http://www.1st-mens-jewelry.info/Rings/Sapphire">Sapphire Rings Mens Jewelry</a><br /><a href="http://www.1st-action-figures-toys.info/Action-Figures/Masters-of-the-Universe">Masters of the Universe Action Figures</a><br /><a href="http://www.101-food-service-retail.info/Food-Preparation-Equipment/Mixers">Mixers Food Service</a><br /><a href="http://www.1st-diy-tools.info/Air-Tools/Parts-and-Accessories">Parts &amp; Accessories</a></p>
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		<title>Strategies</title>
		<link>http://partsconnect.com/myarticlesblog/2008/08/29/strategies/</link>
		<comments>http://partsconnect.com/myarticlesblog/2008/08/29/strategies/#comments</comments>
		<pubDate>Fri, 29 Aug 2008 21:19:41 +0000</pubDate>
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		<description><![CDATA[Arguably, one of the most powerful change techniques in NLP is &#8216;Change Personal History&#8217; (CPH). This technique is useful when an individual has experienced a significant emotional event in the past which still continues to impact negatively on their lives in the present. As we know, actual human experience only exists in the present moment, [...]]]></description>
			<content:encoded><![CDATA[<p>Arguably, one of the most powerful change techniques in NLP is &#8216;Change Personal History&#8217; (CPH). This technique is useful when an individual has experienced a significant emotional event in the past which still continues to impact negatively on their lives in the present. As we know, actual human experience only exists in the present moment, in the form of information received via our five senses. The past exists as stored memories in our unconscious mind. To remember past memories we have to re-experience them in some way in the present. Unfortunately for negative events, we tend to re-experience them as we did at the time and are not always able to benefit from knowledge or resources we may have gained since. CPH allows an individual to re-evaluate memories of significant emotional events in the light of present knowledge. This is a surprisingly simple process to use, and is a regular resource used in hypnotherapy and NLP Practices throughout Hemel Hempstead, Hertfordshire.</p>
<p>So How Does CPH Work?</p>
<p>If you took time to reflect on all the things that you do during an average day, you are likely to come up with a least of typical activities in a typical order, such as getting up from bed, having a shower, eating breakfast, travelling to work and so on. If now, you focused on just one of these activities, say getting up out of bed and thought about all the components of doing that are involved in this one habitual act, you would find that it could be broken down into much smaller components. For example, hearing your alarm clock, recognising that this sound means its time to get up or perhaps you usually press the snooze button for more sleep. The next step may involve rolling over in bed, sitting on the edge of the bed and then standing and so on. Again these components can be broken down further, for example, rolling over in bed involves a complex range of movement and continuous sensory and motor feedback between the central nervous system and body.</p>
<p>Once you divide activities into component parts it becomes clear that every day we do a whole range of things and for each and everyone we have a strategy for how to do it. A strategy is a sequence of modalities and sub modalities and is often likened to a recipe for baking a cake. In order to model a strategy you would need the ingredients (modalities), the amounts and quality of each ingredient (sub-modalities) and the sequence of steps to take. </p>
<p>In NLP, understanding about strategies are important because although many of our strategies that we develop during growing up achieve the desired goal, some are no longer as effective as they could be. NLP can teach people how to modify old strategies or even install new strategies to in order to achieve desired results. This means it is even possible to elicit strategies from others, say someone who is particularly good at a specific activity such as golf and install this strategy in someone wishing to be just as good at golf. Being aware of strategies is very useful in all sorts of areas, for example, salesman can make use of peoples buying strategies and teachers and managers would find learning and motivation strategies useful.</p>
<p>NLP in Hertfordshire is run by an NLP Master practitioner and Trainer, who has helped many people create new empowering strategies for better results in their lives.</p>
<p>Gemma Bailey is qualified hypnotherapist and NLP Master Practitioner. She is based in Hemel Hempstead, Hertfordshire and has helped many clients and patients throughout South East England. For more information on Hypnotherapy, NLP therapies and Life coaching, visit   www.gemmabailey.co.uk  http://www.gemmabailey.co.uk  </p>
<p><a href="http://www.1st-baby-toys.info/Baby-Toys/Activity-Gyms">Activity Gyms Baby Toddler</a><br /><a href="http://www.camera-search.co.uk/Film-Cameras/Instant-Polaroid">UK Instant &amp; Polaroid Film Cameras</a><br /><a href="http://www.nohfox.info/Car-and-Truck-Parts/Suspension-and-Steering">Car Suspension &amp; Steering</a><br /><a href="http://www.101-pet-supplies.info/Dogs/Dog-Tents-and-Canopies">Dog Tents &amp; Canopies</a><br /><a href="http://www.101-food-wine.info/Beer-and-Wine-Making/Kegs-and-Barrels">Beer Kegs and Barrels</a></p>
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		<title>How to Make Party Planning a Little Easier</title>
		<link>http://partsconnect.com/myarticlesblog/2008/08/29/how-to-make-party-planning-a-little-easier/</link>
		<comments>http://partsconnect.com/myarticlesblog/2008/08/29/how-to-make-party-planning-a-little-easier/#comments</comments>
		<pubDate>Fri, 29 Aug 2008 21:19:40 +0000</pubDate>
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		<description><![CDATA[Whether they are indoors or out, planned or surprise, fancy or fun, parties are a great way to celebrate a special event and connect with friends and family!  Birthdays, bridal or baby showers, or neighborhood block parties are all opportunities that will put your party-throwing skills to the test, but all can run smoothly [...]]]></description>
			<content:encoded><![CDATA[<p>Whether they are indoors or out, planned or surprise, fancy or fun, parties are a great way to celebrate a special event and connect with friends and family!  Birthdays, bridal or baby showers, or neighborhood block parties are all opportunities that will put your party-throwing skills to the test, but all can run smoothly if you are prepared with budgets, lists, and timelines.</p>
<p>Being prepared for a party does not just mean you have all the best ingredients.  Gifts, activities, special meals, and entertainment all cost money.  A party should be a way to show someone that they are cared for and appreciated, but the measure of love is not how much you spend! It is vital that the first thing you do before making any purchase is to come up with a budget to let you know just what you can afford.  You may need to do a little research to find out what things cost, but this step will prepare you for the type of party you are able to throw.  A party budget is designed to help you work out how much you will need to save up in order to do all of the things that you feel would be most appropriate for your loved one&#8217;s special day.   Some areas to consider would be food and drinks, party goods (plates, silverware, invitations, decorations, etc.), entertainment, rentals (restaurant, inflatables, etc.).</p>
<p>Choosing the theme for a party can be one of the best parts of the special day.  Whether you plan to have a party or just want to show someone how much he/she is loved, a theme can set the tone and give you some direction when beginning your plans.  There are 2 ways to go about choosing a theme for your loved one&#8217;s special day: </p>
<p>1) ask him/her what their choice would be.  Sit down and brainstorm together to decide what most interests the party recipient.</p>
<p>2) make it a surprise!  This means you get to pick the theme.  It also means you bear the responsibility in the case that the party recipient is bored or unhappy.  There are so many themes to choose from.  Be creative. Try something new, not just the familiar or favorite.</p>
<p>Another great way to get the most out of a party is to prepare a timeline of the day&#8217;s events.  Maybe you want to prepare a big breakfast.  Maybe you want to give the birthday boy/girl a chance to sleep in.  What activities do you have planned?  What will you eat?  When will the party take place?  When will the presents be opened?  What time will the clean up begin?  The day may slip away unless you have a plan.</p>
<p>Jennifer Tankersley is the creator of   www.listplanit.com  http://www.listplanit.com  where you can find wish lists, gift lists, gifts received lists, holiday meal planning lists, party planners, party budgets, party timelines and many other lists and planning pages to help you make the most of your holidays and occasions.</p>
<p>AP - A judge has decided that a suburban Seattle woman who registered her Australian shepherd-terrier mix to vote has spent enough time in the legal doghouse.</p>
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		<title>UK Bankruptcy Myths Exploded</title>
		<link>http://partsconnect.com/myarticlesblog/2008/08/29/uk-bankruptcy-myths-exploded-2/</link>
		<comments>http://partsconnect.com/myarticlesblog/2008/08/29/uk-bankruptcy-myths-exploded-2/#comments</comments>
		<pubDate>Fri, 29 Aug 2008 21:19:38 +0000</pubDate>
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		<description><![CDATA[When you go bankrupt you end up in jail, lose your house and your car and you are thrown onto the streets to fend for yourself for at least 5 years and also if you own a company then forget it mate will lose the lot!
What did you feel when you read that statement? 
&#8216;Yeah [...]]]></description>
			<content:encoded><![CDATA[<p>When you go bankrupt you end up in jail, lose your house and your car and you are thrown onto the streets to fend for yourself for at least 5 years and also if you own a company then forget it mate will lose the lot!</p>
<p>What did you feel when you read that statement? </p>
<p>&#8216;Yeah I thought it was something like that&#8217; is the most common thought or reply I come across. I state categorically that all the above may be, and usually is, wrong depending on your circumstances.</p>
<p>Surprised?</p>
<p>Let me tell you some more about UK bankruptcy. The British government went to find out why small enterprise was booming over the pond but not so much in the UK. When the report came back looking in depth on many areas the British government concluded, amongst other factors, that the USA is so enterprising because they had made it easier for individuals to go bankrupt and start again having learnt from their mistakes.</p>
<p>This was the precursor to the changes in the Enterprise Act which impacted the way personal bankruptcy is handled amongst many other areas of finance in the UK today.</p>
<p>At the time of writing, bankruptcy in the UK usually lasts for no more than 12 months. In fact many people are discharged in less than 12 months depending on the circumstances around their bankruptcy. That&#8217;s one year or less in most cases! Previously the usually time for an individual to be in bankruptcy was 3 years.</p>
<p>All that said, bankruptcy is a very serious step to take. It is a very public affair and the event can follow you for many years. Even after the bankruptcy has gone from your credit history financial institutions in particular often ask if you have ever declared yourself bankrupt. Your membership in some societies and associations may also be lost.</p>
<p>What can&#8217;t you do during bankruptcy</p>
<p>Well you didn&#8217;t think it was all a breeze did you? There are a number of things you need to be aware of:</p>
<p>1) You can&#8217;t ask for more than £500 of credit without first informing the lender that you are bankrupt. That&#8217;s usually the point at which they start sprinting away from you in their rush to not get their fingers burnt. Remember a lender doesn&#8217;t just mean a bank, it can mean friends and family. Even if you agree to buy a car off a friend and they say here take it now and pay me the money next week then you are in a credit agreement probably worth more then £500 and so you have to legally tell them about your bankruptcy.</p>
<p>2) You cannot be a director of a limited company whilst your are bankrupt. If you area one-man band or a sole trader, this doesn&#8217;t mean you cannot trade as a sole trader. Yes, you get to keep your business assuming you haven&#8217;t traded fraudulently but you do lose your limited company status in this instance.</p>
<p>3) You will lose certain positions of authority. Think councillor or accountant or high-ranking police officer. There are many more roles that are affected. Do check with a professional that your job is not affected if you do decide to go bankrupt. Some companies actually have a &#8216;no bankrupts&#8217; policy in their employment contracts. It&#8217;s time to read your contract again. </p>
<p>Other stuff to consider</p>
<p>There is an impact on your credit file for 6 years. This means there is a record of your bankruptcy on your credit file that can be seen by lenders and anyone with access to your history.</p>
<p>Your name will appear in the local newspapers under the bankruptcy notices section and the London Gazette. </p>
<p>On the day of your bankruptcy all your bank accounts are frozen by the Official Receiver (the person appointed by the courts to administer your bankruptcy). If you owe that bank money on the day of your bankruptcy then it is unlikely they will reopen your account. Any accounts in credit will see that money going to the Official Receiver to go towards repaying costs and debts associated with the bankrutpcy.</p>
<p>The really nasty bit that your friend down the pub forgets to tell you</p>
<p>One of the Official Receiver&#8217;s roles in administering your bankruptcy is to look at your assets and disposable income and determine your ability to repay your debts. If you have disposable income available then you may end up paying a proportion of that to the Official Receiver over the course of 3 years under an income payment order or income payment agreement. This is a commonly overlooked fact by many a &#8216;lay person&#8217; giving debt advice down the pub to a friend. It&#8217;s can also be a costly bit of overlooked advice.</p>
<p>What about your house and car?</p>
<p>Well this needs to be understood and talked through with a professional but the general rule of thumb is this:</p>
<p>If you own a house then the Official Receiver will take an interest in that property even if it is in negative equity. You may even lose your house in some circumstances even if you have a wife and child at home. The Official Receiver will also be looking to realise funds from the car, caravan or any other valuable asset (anything of value really, start thinking about pensions funds with a cash in value, windfalls, endowment policies, valuable artwork, intellectual property rights, websites&#8230;.etc.). And this is not just in the run up to bankruptcy. If you have a windfall during your bankruptcy period then that is liable to be made available to the Official Receiver administering your case and paid towards their fees and the losses of your creditors.</p>
<p>What about HP agreements?</p>
<p>HP agreements usually have a clause that if you become bankrupt then the asset (usually a car) must be returned to your HP company. As the car legally belongs to the HP company it cannot be sold off by the Official Receiver. If you are meeting your regular payments to the HP company and the Official Receiver deems that the payments are reasonable for your needs then a conversation with the HP company would be prudent at the earliest opportunity.</p>
<p>If you are going bankrupt for a second time.</p>
<p>The other changes to the Enterprise Act means that people going bankrupt for a second time will likely be made bankrupt for at least 5 years and possibly up to 15 years before being discharged. </p>
<p>Be aware and get proper advice. </p>
<p>Do get good advice from somebody that will guide you through the whole process and not just send you off in the direction of the local courts. Do sit down and get an experienced professional to go through everything in detail. Be aware of all the factors that will affect you if you decide to go bankrupt. Whilst this article is accurate, it cannot be used to replace advice from a professional organisation.</p>
<p>Ed Pearson is a Debt Dr. Debt Dr specialise in debt help and advice for individuals and small businesses. Ed can be contacted on 0845 123 4000 or in confidence on 07970 659266.</p>
<p>  www.debtDr.co.uk  http://www.debtDr.co.uk  &#8216;prescribing life without debt&#8217;</p>
<p>This article does not constitute regulated advice. Please remember that any action regarding financial advice should always be taken only after considering the specifics of your own situation. </p>
<p>Ed Pearson is a Debt Dr. Debt Dr offer real debt help and advice throughout the UK, not debt management or debt consolidation. Just 6 solutions that really work. </p>
<p><a href="http://us.rd.yahoo.com/dailynews/rss/mideast/*http://news.yahoo.com/s/nm/20080829/wl_nm/israel_olmert_dc"><img src="http://d.yimg.com/us.yimg.com/p/nm/20080829/2008_08_29t032905_450x300_us_israel_olmert.jpg?x=130&amp;y=86&amp;q=85&amp;sig=DFpQm6i9SwpPPUYq.s.gog--" align="left" height="86" width="130" alt="Israel's Prime Minister Ehud Olmert attends the weekly cabinet meeting in Jerusalem August 24, 2008. (David Silverman/Reuters)" border="0" /></a>Reuters - Israeli police questioned Prime Minister Ehud Olmert for a seventh time on Friday as part of a corruption investigation that has jeopardized peace talks with the Palestinians and shaken Israel&#8217;s political system.</p>
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		<title>The Exercise Of Emulation</title>
		<link>http://partsconnect.com/myarticlesblog/2008/08/29/the-exercise-of-emulation/</link>
		<comments>http://partsconnect.com/myarticlesblog/2008/08/29/the-exercise-of-emulation/#comments</comments>
		<pubDate>Fri, 29 Aug 2008 19:44:57 +0000</pubDate>
		<dc:creator>myarticlesblog</dc:creator>
		
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		<guid isPermaLink="false">http://partsconnect.com/myarticlesblog/2008/08/29/the-exercise-of-emulation/</guid>
		<description><![CDATA[A writing exercise that is helpful in learning a very specific style of writing is called Emulation. This is done to match the style of a specific author.
In essence, you create an entirely new passage using an existing passage as your guide.
For example if you wanted to try to write in the same manner as [...]]]></description>
			<content:encoded><![CDATA[<p>A writing exercise that is helpful in learning a very specific style of writing is called Emulation. This is done to match the style of a specific author.</p>
<p>In essence, you create an entirely new passage using an existing passage as your guide.</p>
<p>For example if you wanted to try to write in the same manner as the Psalmist you might copy a passage of Scripture&#8230;</p>
<p>Shout for joy to the LORD, all the earth. Worship the LORD with gladness; come before him with joyful songs. Know that the LORD is God. It is he who made us, and we are his; we are his people, the sheep of his pasture. Enter his gates with thanksgiving and his courts with praise; give thanks to him and praise his name. For the LORD is good and his love endures forever; his faithfulness continues through all generations.</p>
<p>This would be an emulation example&#8230;</p>
<p>Lift your voice to the Lord, everyone. Sing to the Lord with triumph; come to His throne with humility. There is none like our God. It is He who sustains us, and He knows us; we follow Him as the least in His Kingdom. Gratitude arrives before us as we proclaim His greatness; show honor by singing praise because the Lord is awesome and His love does not diminish, He will be faithful to your grandchildren&#8217;s grandchildren. (Modeled after the Psalmist in Psalm 100).</p>
<p>While this may not be a perfect example, the idea remains intact; stay as close to the form and function of the passage you are emulating as possible so anyone familiar with the work will quickly recognize the similarities.</p>
<p>This is an exercise that is easy in concept, but somewhat difficult in execution. In a perfect emulation you would replace every word with another word. In a perfect emulation a noun is replaced with a noun and an adjective with an adjective and so on.</p>
<p>Emulation teaches you to creatively rewrite and reexamine the mechanics of what was written. In my emulation sample, I used a thought for thought emulation style, not word for word. Emulation doesn&#8217;t need to be about the same topic either; it simply needs to match up with the literary style of the original author.</p>
<p>If you are a looking for a writing exercise that is a challenge and remains a great learning tool, consider the use of emulation as a means of discovering more about the structure the author used and, secondarily, how you respond to that structure today.</p>
<p>Scott Lindsay is a web developer and entrepreneur. He is the founder of FaithWriters (  www.faithwriters.com  http://www.faithwriters.com ) and many other web projects. FaithWriters has grown to become one of the largest online destinations for Christian writers. Please visit the website at:   www.faithwriters.com  http://www.faithwriters.com .</p>
<p><a href="http://us.rd.yahoo.com/dailynews/rss/us/*http://news.yahoo.com/s/ap/20080829/ap_on_re_us/jail_escape"><img src="http://d.yimg.com/us.yimg.com/p/ap/20080826/capt.73051a5d0a4240aeabb314216673b37f.jail_escape_alq101.jpg?x=103&amp;y=130&amp;q=85&amp;sig=dh3vjGvouXtH6g.a2vIPzQ--" align="left" height="130" width="103" alt="This undated photo, supplied by the Curry County Sheriff's Department, shows Victor Sotelo, one of eight men who escaped Sunday night, Aug. 23, 2008, from the Curry County jail in Clovis, N.M. He was being held on charges of aggravated assault . (AP Photo/Curry County Sheriff's Department)" border="0" /></a>AP - A fourth inmate who escaped from an eastern New Mexico jail has been captured, authorities said.</p>
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		<title>Option ARM Mortgages - How they Work and Pros and Cons</title>
		<link>http://partsconnect.com/myarticlesblog/2008/08/29/option-arm-mortgages-how-they-work-and-pros-and-cons/</link>
		<comments>http://partsconnect.com/myarticlesblog/2008/08/29/option-arm-mortgages-how-they-work-and-pros-and-cons/#comments</comments>
		<pubDate>Fri, 29 Aug 2008 19:44:54 +0000</pubDate>
		<dc:creator>myarticlesblog</dc:creator>
		
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://partsconnect.com/myarticlesblog/2008/08/29/option-arm-mortgages-how-they-work-and-pros-and-cons/</guid>
		<description><![CDATA[In the world of mortgages and complex financial arrangements for housing, you need to be armed with the facts.  Not knowing what you are getting into when you sign on the dotted line(s) could end up hurting you more than helping you.  In the case of option ARM mortgages, this is especially the [...]]]></description>
			<content:encoded><![CDATA[<p>In the world of mortgages and complex financial arrangements for housing, you need to be armed with the facts.  Not knowing what you are getting into when you sign on the dotted line(s) could end up hurting you more than helping you.  In the case of option ARM mortgages, this is especially the case.  Not only are they extremely complicated, but when you&#8217;re not sure what they can do for you, they can be a painful learning experience.</p>
<p>The basic appeal of an option ARM mortgage is that you don&#8217;t have to make large payments in the beginning.  These are the loans you may have seen on website banners advertising $200,000 loans for only $500 a month.  This does sound good when money is tight and you want to conserve the bills you have.  But in actuality, you will still be borrowing a certain amount of money that needs to be paid off.  And while the bills are low in the beginning, they will begin to increase over the duration of your loan period.</p>
<p>Another thing to consider with option ARM mortgages is that the interest rates can soar or they can plummet, depending on the market and the terms of your loan. Though you might be only paying $500 a month, your loan amount may be increasing without you even realizing it.  And once you&#8217;re out of that initial low payment period, you may need to double or even triple the amount you are paying every month.</p>
<p>You can choose between several different payment plans each month with an option ARM mortgage.  You might pay typical payments that include both interest and the principle, or just payments that are interest.  You might also choose to limit your payments so that you&#8217;re paying the least amount possible - however, this is not going to help with the overall amount as interest will continue to be added to your loan amount.</p>
<p>In the beginning months, you will also generally be offered a low interest rate, which will be appealing and cause your payments to be lower.  But while this introductory interest period seems appealing, it is not going to last.  Be sure to ask how long this low rate is going to last, if you hear that it&#8217;s only a month or two, it might not be worth it to you.  After the introductory period, the interest will rise to the normal rates.</p>
<p>When you pay monthly and only pay the minimum payment, you will not necessarily be paying down your overall loan because the interest rate will continue to add money to the balance.  After a while, your payments may not be covering any interest that you have accrued or even helping with the principle, adding up to a large sum that you now have to pay down.</p>
<p>Another thing to consider is that after five years or so, the loan can be recalculated, which can lead to substantial increases in your monthly payment.  This can be shocking to the borrower, but it will be clearly outlined in the option ARM payment fine print.</p>
<p>So, the question becomes - are the option ARM mortgages good for anyone?  If you don&#8217;t have a lot of money now, but you can be certain that you will in the future, this might be a good option for you.  But if you&#8217;re not going to keep up with your current low payments and aren&#8217;t adding any additional money that you could to the payment plan, you might be setting yourself up for a financial disaster.</p>
<p>But the main concern is that those that do not do their homework on the loan will end up being &#8217;surprised&#8217; when it comes time to pay off their larger bill.  Do yourself a favor and make sure that you are reading the fine print and that you understand what is expected of you. </p>
<p>Grant Eckert is a writer for ShopRate.com. ShopRate.com is a leading provider of   www.ShopRate.com  http://www.ShopRate.com  Mortgage Quotes | Mortgage Rates</p>
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		<title>Own a Vehicle at Low Cost Finance on Taking Used Vehicle Finance</title>
		<link>http://partsconnect.com/myarticlesblog/2008/08/29/own-a-vehicle-at-low-cost-finance-on-taking-used-vehicle-finance/</link>
		<comments>http://partsconnect.com/myarticlesblog/2008/08/29/own-a-vehicle-at-low-cost-finance-on-taking-used-vehicle-finance/#comments</comments>
		<pubDate>Fri, 29 Aug 2008 18:10:18 +0000</pubDate>
		<dc:creator>myarticlesblog</dc:creator>
		
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://partsconnect.com/myarticlesblog/2008/08/29/own-a-vehicle-at-low-cost-finance-on-taking-used-vehicle-finance/</guid>
		<description><![CDATA[Now that you have decided for buying a used vehicle, you most probably are looking for a loan. But are you afraid of any hurdle that you think may come in the way of taking a loan? Let me assure you there is no impediment whatsoever in owning used vehicle through a loan. I say [...]]]></description>
			<content:encoded><![CDATA[<p>Now that you have decided for buying a used vehicle, you most probably are looking for a loan. But are you afraid of any hurdle that you think may come in the way of taking a loan? Let me assure you there is no impediment whatsoever in owning used vehicle through a loan. I say it because here is an especially crafted product called used vehicle finance to take care of any problem.</p>
<p>All you have to do is first decide over the type of used vehicle you intend to buy. The loan is provided for any type of used vehicle including a used car. Now see if you want to opt for secured or unsecured version of the loan. Though usually used car vehicle finance is a secured finance but these days unsecured options also is being offered to the used vehicle buyers. </p>
<p>Secured used vehicle finance requires collateral in the form of borrower&#8217;s any property like home and even the used car one intends to buy can also be offered as collateral. Secured vehicle finance will enable in taking lower interest rate finance. The finance can be repaid in larger duration. The borrowed amount can easily cover the price of used car in case the borrower intends to buy it through the loan only and no cash payment is made.</p>
<p>Unsecured used vehicle finance can be availed without any collateral. Your good credit score and sound financial standing including a good annual income are keys to taking the unsecured finance. The unsecured finance however will come with little disadvantage of higher interest rate, smaller amount and shorter repayment duration. </p>
<p>Used vehicle finance providers do not look into bad credit provided the finance has been secured by the borrower. If there is payment default, the finance provider can recover the finance on selling borrower&#8217;s property. In the unsecured option however the lender would make it sure that the borrower has adequate repaying capacity and intentions to pay the loan back. So it all boils down to what extent a bad credit person is able to convince the lender.</p>
<p>Compare as many used vehicle finance providers as possible on internet. You can this way arrive at a lender having suitable package for you. Give especial attention to interest rates when comparing. Also, prefer applying online for a speedy approval of the finance.</p>
<p>Take used vehicle finance after judging on what is more useful aspect of the finance is for you. The installments should paid in time so that when it recorded in your credit report the credit score goes up for boosting chances in taking further loans at easy terms.</p>
<p>Gary Grobowski is working as financial consultant for UsedVehicleFinance. He holds a masters degree in Finance. To find used vehicle finance, used vehicle finance store,fast use vehicle finance, used vehicle finance UK visit   www.usedvehiclefinance.net  http://www.usedvehiclefinance.net </p>
<p><a href="http://us.rd.yahoo.com/dailynews/rss/mideast/*http://news.yahoo.com/s/nm/20080829/wl_nm/israel_olmert_dc"><img src="http://d.yimg.com/us.yimg.com/p/nm/20080829/2008_08_29t032905_450x300_us_israel_olmert.jpg?x=130&amp;y=86&amp;q=85&amp;sig=DFpQm6i9SwpPPUYq.s.gog--" align="left" height="86" width="130" alt="Israel's Prime Minister Ehud Olmert attends the weekly cabinet meeting in Jerusalem August 24, 2008. (David Silverman/Reuters)" border="0" /></a>Reuters - Israeli police questioned Prime Minister Ehud Olmert for a seventh time on Friday as part of a corruption investigation that has jeopardized peace talks with the Palestinians and shaken Israel&#8217;s political system.</p>
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		<title>DayCare Video</title>
		<link>http://partsconnect.com/myarticlesblog/2008/08/29/daycare-video-2/</link>
		<comments>http://partsconnect.com/myarticlesblog/2008/08/29/daycare-video-2/#comments</comments>
		<pubDate>Fri, 29 Aug 2008 18:10:17 +0000</pubDate>
		<dc:creator>myarticlesblog</dc:creator>
		
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		<guid isPermaLink="false">http://partsconnect.com/myarticlesblog/2008/08/29/daycare-video-2/</guid>
		<description><![CDATA[Finding adequate childcare has become increasingly difficult in the bay area. Population increase has made finding services such as childcare difficult. Three Silicon Valley businessmen faced with this problem came up with an innovative solution. Out of their frustrations with the usual time consuming methods of finding good day care for their own children, a [...]]]></description>
			<content:encoded><![CDATA[<p>Finding adequate childcare has become increasingly difficult in the bay area. Population increase has made finding services such as childcare difficult. Three Silicon Valley businessmen faced with this problem came up with an innovative solution. Out of their frustrations with the usual time consuming methods of finding good day care for their own children, a new concept embodied in their company, DayCareVideo.com emerged.  </p>
<p>Three South Bay professionals Richard, Scott and Howard came up with a unique answer to finding quality childcare. They experienced the time consuming process of looking for child care for their own children. They had looked for child care individually, going to many different homes and centers. Talking about their problems, they decided collectively there must be a better way. In the discussion of solutions, it was confirmed that the available technologies were not being efficiently used to eliminate the time consuming process of having to go from one childcare provider to another. They believed that it would be much more efficient if parents who were busy professionals could go to one location and view slides or videos of available childcare providers. </p>
<p>The team believed that if local childcare providers could be presented this way, parents could then have an opportunity to select those specific providers they felt could meet their requirements. This would give them an immense break of time and expense from having to phone, drive and interview providers all over the East, West and South Bay areas. Richard, Howard and Scott took their idea and have made it into a practical business. DayCareVideo.com offers an extensive and growing list of childcare providers on videotape. Subscribers to this service can make an appointment with them and have them come to your home or business and show you videos of the providers. </p>
<p>These videos show facilities locations, give information on programs and discuss the philosophy of the different services their Videos answer questions and makes referrals to those childcare providers that their clients are interested in. </p>
<p>This service has also proven itself very popular with employers. They can offer this service as part of their employee benefit package. Employers find that this is a very popular part of the packages for new employees who come from other cities and areas. Many employees coming to the area with their families use this service for its cost effectiveness. Established employees starting new families find it very useful for locating services. This benefit also helps the employer by reducing the amount of time employees are away from the work place finding childcare services. Lost man-hour&#8217;s can seriously affect the efficiency of companies. </p>
<p>Using DayCareVideo.com&#8217;s services can be one of the ways in which employers can reduce employee absenteeism. Contracting the services of DayCareVideo.com gives the employer a progressive image, one that enhances its stature, in an era where employees through their unions and other organizations like the National Organization for Women have emphasized employers to be more responsiveness to the childcare problem. </p>
<p>Richard Robinson,   DayCareVideo.com&#8217;s  http://DayCareVideo.com&#8217;s  founder states  We don&#8217;t want to compete with established childcare providers, we want to enhance the field by offering a service that makes the selection of childcare a more informed and efficient process .</p>
<p>AP - A chemical plant explosion rocked an area west of Charleston, hurling a fireball hundreds of feet into the air and killing one worker and injuring a second.</p>
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