Make Your Invention Exclusive With a Provisional Patent

Have you just invented something unique and extremely useful? Are you really elated and desire to celebrate your hard work and exclusive invention? But before you organize a party for your friends and family members, you need to first apply for provisional patent.

Do you want to know the reasons why it is necessary? Then do read on.

When you invent something new and exclusive, you would definitely want it to be recognized in your name. You would surely want to win accolades and appreciation for the same. But, how will people know that it's your invention? Every item, equipment, device software or formula invented so far is known to all by the name of their inventor. Whether it's light, fan, computer, internet, tuberculosis drugs or a furniture design, the inventors are well known to all. The history books clearly mentions all the prominent inventors, their history and the path of their invention.

But, how do we know that certain people have invented the product and not any other person? It's because of the fact that they have patented their invention and now they have the exclusive right over their invention. No one has the right to mimic their invention. In the similar manner, when you invent something new, you should immediately get it patented so that no one copy your design or software and sell it in their name. So, you need to get patent application form through which you can start the procedure to get your exclusive design, software or design patented.

If you do not patent your invention and in the spur of the moment throw a party for your well wishes, you may never know when any guest which you have invited in the party starts planning something devious. You may recite about your invention and even show it to your guests to gain praises and share your happiness with them, but someone may copy it to gain their own end. They may then sell it to the best buyer immediately. In the matter of few days, you will realize that you have made the biggest mistake of your life. All your dreams of recognition in the society and prominent position in the history books will go in vain in few hours. So, never make this folly, instead apply for provisional patent, restrict anyone from copying your invention and be recognized all over for your exclusive and unique work!

ARkStorm - A 40 Day Atmospheric Flood Aimed Right at Southern California

Hard to believe 6 weeks of continuous rain, but that is what California scientists and first responders have to contend with in scenarios of possible catastrophes they face. Starting at the equator, roaming over the Pacific, affected by changes in El Nino and the global climate, an atmospheric river of moisture slams into the west coast with winds up to 125 miles per hour. Massive flooding, landslides, pollution, road damage, business interruption, housing destruction and social dislocation making Katrina look like a summer drizzle. Almost a trillion dollars of damage is estimated for a deluge that could turn Central Valley into a lake 300 miles long and 20 miles wide.

Think it can't happen? In 1862 in California a series of storms turned the Central Valley into a huge inland sea. Equivalent to possibly 50 Mississippi rivers, an atmospheric water flow lasting 45 days inundated the Central Valley, destroying the economy and forcing California into bankruptcy. Flooding was extensive in LA County, Orange County, San Diego, the San Francisco Bay area and other coastal areas. Future repetitions are expected, and 10 feet (feet-not inches) of rain over a period of roughly 40 days is what emergency authorities are discovering they have to prepare for.

The ARkStorm (Atmospheric River 1000) is actually a computer model of a storm event that has impacted the western part of California numerous times in the last 2000 years and as recently as the aforementioned 1862. It is the brainchild of the US Geological survey, Multi Hazards Demonstration Project (MHDP). The first public product of this survey was the Shakeout Earthquake Scenario published in May 2008. It resulted in the largest earthquake drill in US history, and depicted a 7.8 magnitude earthquake on the San Andreas Fault in southern California. Over five and a half million citizens and 5000 emergency responders got a chance to explore the consequences of such a devastating catastrophe. The intent of the ARkStorm project is to provide realistic information to the proper authorities to help them prepare for an even greater calamitous natural disaster.

Serious issues are raised about the ability of local and state disaster planning to handle a disaster of this magnitude. Whether to pay in advance to mitigate the effects of such a disaster or to pay a lot more to rehabilitate a ruined landscape and the dislocation of 1.5 million people after the fact are decisions which need to be faced. In the current time of fiscal distress, this is likely to be a problem shoved under the carpet for someone else to worry about. But hoping ARkstorm remains a hypothetical study and nothing more is irresponsible. The scientists have done their job. Now it is up to government-good luck!

How to Get "Super Strong" For Wrestling!

Wrestling is a sport that requires above average strength levels. In order to be a Champion, you need to keep the strength that you've built up in the off-season and keep it through a full season of dual meets, tournaments, and constant "cutting weight." This isn't easy to do... unless you know how to do it! The skills that you learn through countless hours of practice make or break you. The strength and conditioning allow you to perform the moves. Learn exactly how to get stronger for wrestling.

With all things equal, the STRONGER wrestler WINS every time!

The following tips will help you develop your wrestling strength and keep it throughout the season!

1. Drink Meal Replacement Shakes Meal replacement shakes were originally developed for cancer patients. They were consumed because they were pre-digested, and "nutrient dense." They are loaded with vitamins and minerals, high protein blend, and just enough carbohydrates to keep up energy levels. These are perfect for wrestlers who are dropping weight to move down to a lower weight class. They are low in calories, yet have the nutritional values that are so important to maintain or build strength. Try to consume 2 or 3 per day if you're cutting weight.

2. DO NOT STARVE YOURSELF Wrestlers are notorious for cutting weight by not eating, then dehydrating. Let me explain what happens to your body when you decide to do this in order to make weight each week. When you take in too few calories to maintain your body weight, the body goes into a defense mechanism. Sure, the scale will show that you are indeed losing weight. But the body determines that it is being starved, and as a means to protect itself from starving, it will hold onto body fat, and start breaking down muscle tissue for energy. You will wind up losing SOME body fat, plus muscle and water. So you make weight, but you're not as strong due to less muscle on your body. If you have to make weight, plan ahead, and try to lose body fat, not muscle.

3. Train Your Wrestling Muscles When creating a workout program for wrestling you must first consider the muscles that you use in wrestling in order of importance. These are the glutes, hips and low back (the posterior chain muscles), then the quadriceps, chest, shoulders, arms, hands, and neck. I recommend that you perform a full body strength routine, You still want to work the entire body thoroughly, but prioritize the wrestling muscles first.

4. Strength Train Every 4-5 Days During The Wrestling Season Your goal during the season is to at least keep up your strength levels, with the best case scenario being strength gains as the season progresses. In order to accomplish this you want to strength train frequently enough, but not so much that you're constantly breaking your body down. For the in-season, try to hit a full body workout on a schedule like this: Week 1 - Monday and Friday, Week 2 - Wednesday. Then repeat. This means that one week you perform 2 full body strength workouts, and the next week you perform one full body strength workout. Alternate these weeks throughout the wrestling season.

5. Progressive Resistance Remember to always strive to do at least one more repetition or the same amount of repetitions with a little more weight as often as possible. Your muscles quickly adapt, and you need to force them to become stronger. Strive for a 5% strength gain on each exercise per month. If you're really cutting a lot of weight this season, you may not be able to gain strength because the body needs a surplus of calories from food in order to feed the muscle. At least, try to maintain your strength by keeping the same weight on each exercise throughout the season.

Stone and Brick Strategies to Stop Erosion Considered

The other day I was driving down Pacific Coast Highway (PCH) in Malibu, I looked up and I noticed an entire hillside had brand-new brick work to hold back the mountain from erosion and mudslides. Obviously the homeowner did not wish to lose his home, driveway, or half the mountainside onto PCH. The work which was done looked quite stellar, and well-engineered. Of course, if you wish to do stone and brick work in your own backyard to stop corrosion you might try a similar strategy albeit on a very much smaller scale. Okay so let's talk about this for second shall we?

You do not need anything is elaborate as the Chocolate Hill rice terraces outside of Manila in the Philippines. Nevertheless, this strategy does work, and if done correctly it can hold back plenty of water, and prevent mudslides. Best of all, it's not as difficult as you might think. If you are considering doing something like this at your own home, there are many new spacing materials you can use between the stones or bricks.

This will allow you to use rocks, stones, or bricks other than the regular 3-D rectangle shape and then driving rebar down deep and through all the bricks, and then filling them in with concrete. Oh sure, that way works also, but it just doesn't look as decorative if you are doing something for your backyard, and you wanted to blend in with the landscape. Don't get me wrong, you might like that style with multiple layers of straight brick walls perfectly terraced.

Still, allowing for a little styling and the proper interim spacing materials sure looks brilliant. You might even use cobblestone, or decorative rock. If you are having problems conceptualizing this, I suggest that you go on to Google Images and look and see what other people have done, and then go to your local Home Depot, or Lowe's and talk to one of the landscape consultants about tricks of the trade. You can look through the brochures which come with your purchase, or you can go to a big box bookstore and look through some home improvement step-by-step instruction books.

No, I never said this would be easy, but if you follow the instructions, and play around with it a little, you'll surely get a sense of pride once it's completed, provided that you don't hurt your back from lifting the rocks incorrectly. Make sure you're healthy enough to do this project, because it does take a lot of work, and if you're new to the game, it will take you easily three or four times as long as it would a contractor who does this for a living. Please consider all this and think on it.

The Best Life Insurance for Seniors

It is possible today, unlike traditionally, to get an insurance policy that has the best rates and is affordable. In addition, you could get a policy that does not need any medical exams, because most seniors do not like this option. You can get over-50 quotes by researching on the best insurance companies in the Internet.

Term life insurance

For people who are over 50 but under the age of 86, it is possible to get a cheap term life insurance. In this type of insurance, premiums are low and it is easy to qualify for them. This is a temporary insurance meaning that when the specified term period ends, this policy ends or its rates will shoot up highly.

Whole Life insurance and universal life insurance

These two types of insurance are almost the same when it comes to guarantees of lifetime rates. Universal life is quite flexible; however, when you stop paying for the premiums, all the coverage might be lost. This is different from the whole life insurance where if premium payment is halted, some or even all the coverage is guaranteed to stay in place for your life.

Universal insurance is known for its low price compared to the whole life. Additionally, it offers higher cash value. This kind of insurance offers much flexibility with the payment of premiums. It is suitable for you would want a large and flexible coverage. This however, requires medical tests for people over the age of 75.

Whole life insurance on the other hand is the best when it comes to the final expenses. This is because of the built in cash provision. With this, many companies will offer no medical test up to a certain age like 85. If you or probably your parent needs a plan that is good, which will take care of all your final expenses including burial costs then this is the best type of insurance to go for.

The above kinds of insurance depend on your various needs and personal goals. You should ask the specific insurance provider all your questions about insurances. In addition to this, you should review your various goals.

You should also get an agent who will help you get a plan that will help you. These agents will recommend the type of insurance and your suitable one according to how you present your case. It means that you have to be honest with this agent to get the best out of it. This will enable you to know exactly which plan you are going to take and get the best over-50 life insurance.

The Importance of Link Diversity

Awhile back I talked about the importance of traffic diversity; that is the importance of ensuring that all of your traffic isn't coming from just one place. This was in the wake of the Content Farm update, later renamed the Panda Update after the affectionate nickname given by his coworkers to the programmer at Google who spearheaded and played a pivotal role in the update in question.

The idea was that no one traffic source is guaranteed and reliable for all time whether that's paid traffic, organic SEO, etc. because one substantial change in the policies of that traffic source and your ocean of traffic has been stopped up to resemble a trickling stream overnight unless you have plenty of other traffic sources coming in.

Today I'm going to talk about something completely different: the importance of link diversity.

Traffic and SEO are inextricably linked, but this primarily will refer to search engine optimization and the paramount role which link diversity plays in it.

Just like you don't want all of your traffic coming from the same place, you don't want all of your links coming from the same place.

Would you rather have just one VERY excited webmaster vouching for your site OR would you rather have an entire caravan worth of webmasters vouching for it:

The answer is pretty clear, variety wins out time and time again. Google doesn't want to see just one site or one type of site linking to your site because that says to them that your content isn't good enough to get links from other sources, and it looks questionable at best.

Just like if you were shopping around and were interested in buying a new product, you'd rather read lots of testimonials from different people about that product as opposed to just one very excited person who likely is just a shill for that company; eventually you want to hear from some other people to get some more opinions.

The moral of the story is to make sure that you not only procure links from a variety of article directories, but from other types of sites like blogs, bookmarks, RSS, forums. Diversity is the cornerstone of any successful linking campaign because it looks natural and looks like you have value content to share with the world. Therefore you should think about varying up your linking opportunities as often as possible to enjoy the benefits of Google.

Confidence is King of the Road

Confidence is more than just sexy. It can save you a ton of money on your next car or truck.

Lots of people hate buying cars. When you get right down to it, the root causes of this fear and loathing aren't hard to pin down.

1) Fear of the unknown. 2) Buying a car is a confrontational situation. 3) It's a huge commitment of time and money.

Well, okay, that's great, but how does that help you? Patience, grasshopper.

While there's no magical silver bullet to cure all of the above ills, a little confidence can go a long way. If you act uncertain and unsure, chances are you will get taken for a ride. This applies to every step of the process, not just when you're checking out cars on the showroom floor.

So what do you do? I mean, great, be confident. But what does that mean?

Be decisive. Know exactly what kind of car you want and exactly what you want to pay. Do your homework first and research everything you can find. The Internet is the most powerful research tool ever devised by man. Use it.

Show, don't tell. Print copies of everything you find. Don't just tell a dealer that you got a better price quote online. Show them. Don't just say that you thought your credit was good enough to qualify for a better rate. Show them.

Know thyself. Not everyone handles every situation well. If you know you're going to have a hard time negotiating and haggling over the price (which you will) then find someone who can. Even if you don't have a friend or loved one skilled in the art of car buying, you can usually find car buying services listed in the Yellow Pages major cities than can help you out for a small fee.

A little confidence goes a long, long way.

Healthy Eating With Salads

It is a commonly known fact that the body needs at least 2 servings of vegetables and 2 servings of fruits on a daily basis. But not everyone likes to eat fruits or vegetables. Many children as well as adults simply disliked these healthier food options. While some children will slowly learn to like fruits and vegetables as they grow older, others will continue to avoid eating them even as adults. Imagine having to cook for a household with mixed preference, it will be such a daily challenge! I have a friend whom I have known for more than 20 years who simply dislikes vegetable. Whenever we dine out, she will request for any vegetable to be excluded from her food or starts to painstakingly picking out the vegetable from her plate.

Learning to eat vegetable may be easier if one is willing to try out different vegetables, one at a time. Also, eating vegetables as a salad accompanied by a delicious dip or sauce can make the whole eating experience much more pleasant.

I have been lucky as I grew up liking to eat vegetables. Of course as a child, I was a little picky, choosing only safe vegetables like cucumber and cabbages. I was also fortunate that my mom would make a delicious sauce when she tried to get us eating raw vegetables. So here I would like to share this family recipe for a salad that has been a long time family recipe. We usually serve this salad with spicy food like curry, but it is just as delicious when eaten with other main dish.

The ingredients are simple and can be easily found at any of your neighborhood supermarkets.

Salad with Peanut Sauce

You will need: Lettuce, cut into 2-inch length 1 medium sized cucumber, sliced 1 medium sized tomato, sliced 2 Hard boiled eggs, sliced 1 cup of roasted peanuts, grounded 4 tablespoon of chili sauce 2 tablespoon of tomato ketchup ½ cup of hot water

Steps: Plate the vegetables and hard boiled eggs in a circular pattern, in this recommended order: Lettuce as the bottom first layer, then the cucumber followed by the sliced tomato and lastly the hard boiled eggs on top. Set aside.

Put the grounded peanuts in a deep bowl. Add the hot water and still well, ensuring that all the clumps are dissolved. Then add in the tomato ketchup and chili sauce. Stir until well combined. If you like more heat in the sauce, add more chili sauce. Drizzle the peanut sauce generously on the salad.

The ingredients in this recipe can be easily substituted and varied to suit your personal preference. For example, use baby cucumbers which are juicer and sweeter. Or add in some sliced boiled potatoes to make this salad a light meal.

To make it more appetizing, try serving the sauce separately as a dip instead.

So I hope you will give this recipe a try and enjoy it like I do.

How to Write Headlines for How-to Articles

Want to write a how-to article but can't come up with a topic?

Start by naming the three biggest problems your customers or clients face. You've just come up with three ideas for three different articles. Be sure the topics tie into a service you provide, a product you sell, or a cause or issue you want to promote.

Once you've chosen a topic, it's time to select a title. Here's a list of possibilities. Simply fill in the blank, depending on what you've decided to write about.

A Part-Timer's Tactics for a Full-Timer's ______________

A Quiz: Test Your ______________ Smarts

Cash in on _______________ Trends

Chasing the Right ______________

Cool Tools for Today's ______________

Common Errors That Kill ______________

Discover the 7 Essential Elements That Guarantee ______________

Finding the ______________That is Uniquely You

Good News for ______________

How to Bounce Back from ______________

How to Get Other People to ______________

How to Handle ______________

How to Make ______________ Work for You

How to Make Your ______________ Dreams Come True

How to Turn ______________ into ______________

Mastering the Art of ______________

No More ______________

Part-Time ______________, Full-Time Success

Questions and Answers About ______________

Straight Talk from a ______________

The Great _____________ Dilemma

The Most Beginner-Friendly ______________

The Last Word on ______________

The Amazing Solution for ______________

The Best and Worst Ideas for ______________

The Complete Guide to ______________

The Worst Mistakes You Can Make When ______________

Top 10 ______________ Do's and Don'ts

What's HOT and NOT in ______________

When Not to ______________

Your Must-Know Guide to ______________

_________________ with Pizzazz!

_________________and Grow Rich

______________ on the Cheap

5 Ways to Get More from Your ______________

5 No-Fail Strategies for ______________

6 Secrets to Successful ______________

7 Ways to Keep Your ______________ Dreams Alive

7 Ways to Avoid the Most Deadly ______________ Mistakes

8 Ways to Avoid the Worst ______________ Mistakes

9 Formulas for Fantastic ______________

10 User-Friendly Facts for ______________

10 Tips to Jump-Start Your ______________

11 Questions You Must Ask When You're ______________

12 Tactics to Open Up ______________

13 Tips That Will Make a _______________ Smile

10 Time-Tested Tips for Becoming a ______________

25 Quick ______________ Tips to Use Now

26 Holiday Gifts for ______________

Nos, start writing! Somewhere out there, there's an editor just waiting for your story.

DHT and Hair Loss

DHT hair loss affects both men and women.

DHT stands for Dihydrotestosterone which is the resulting product of direct contact between the enzyme 5-alpha-reductase, found in the skin and the scalp, with the hormone testosterone.

DHT hair loss is caused by the DHT binding to receptor sites on the scalp and hair follicles which interrupts and interacts with the normal chain of events involved in continual healthy hair growth.

To put it another way, DHT hair loss happens when DHT takes over the receptor cell (the cells on the hair follicle that bind to DHT) and sends false signals to the functioning cells responsible for proper hair growth.

Men usually lose hair first in the temporal area, second in the crown, and third, in the vertex or top of the scalp. This is due to the concentration of sweat glands that carry DHT in these areas.

Women on the other hand generally thin in a diffuse manner.

Nisim International, leaders in hair science for over 20 years, produce NewHair Biofactors shampoos which stop DHT hair loss within 1 week guaranteed!

The deep cleansing scalp shampoo removes unwanted oils, sweat, dirt and excess sebum as well as neutralizing surface DHT. The stimulating extracts penetrate further into the scalp to neutralize DHT in the scalp thereby creating a healthy scalp environment needed for hair growth.

The Importance of Taking The Appropriate Policy

Taking term life insurance is important since it will ensure that the standard of living of the insured and his or her family remains the same, if not better, particularly upon retirement. It is therefore advisable to take the direct life insurance policy to meet future needs. It is equally important to match the terms of the policy to the needs of the applicant. This will ensure that the dependants are covered adequately, until they get to the point of providing for themselves. Matching the policy and the need will also ensure that the spouse is catered for by the policy until the retirement income is made available.

The insurance policy should be purchased when the insurance shopper is healthy. Therefore, the policy should be matched with the term when they expect to stay healthy. It is equally important to avoid lying on the policy because the insurance companies will eventually discover the truth when they undertake investigations. In case you fail to admit to behaviors, habits or heath risks during the application, the beneficiaries may fail to receive the benefits in the event of the death of the policyholder.

It is equally important to shop around for insurance to get a policy that caters for your needs and budget. Due to the challenges associated with searching for insurance, many insurance shoppers end up applying for the first insurance cover they come across. As a result, they end up paying more than they should. To overcome these kinds of challenges, get in touch with companies and insurance agents or access different website before making an informed decision.

The internet is one-stop shop proving to be an important resource. This is because you can use this single source to compare different insurance policies from different insurance companies. By filling in information to basic questions, you will be able to get quotes from different insurance companies; giving you an opportunity to compare different rates from the safe confines of your home.

The term insurance is not difficult to understand. Furthermore, it allows for individuals to make different kinds of choices. Direct life insurance is good for needs that fall within the short-term, such as the children's college education and catering for the mortgage. Therefore, parents can consider purchasing an insurance cover that expires upon the children's graduation from college, for purposes of ensuring that the education is fully paid for. Alternatively, the main breadwinner can take up a policy that matches the period of the mortgage.

Durability and Beauty of Granite

It isn't much of a wonder that granite has been in use for thousands of years in every conceivable application where there has been a need for exposure to the elements.

There aren't many materials that have more varied uses than granite. It can be both a dull and uninteresting stone, or quite colorful and beautiful. The one endearing trait that makes it exceptional is its permanence. Before it was rather commonly used for kitchen countertops, it had a long history of use in many other locations.

Due to its seeming invincibility, granite has long been the choice for tombstones. This is true in almost every country where granite can be mined and used. In past centuries, granite was more often used in a very rough form, and many head stones didn't have identifying lettering on them.

Finely polished and dimensionally milled tombstones are almost exclusively made from granite, whether memorializing a pauper or a king.

Granite Defined A true definition of granite: an igneous rock that is coarse-grained and made up of crystals, which contain feldspar and quartz. In practice, many similar materials may be called granite. When the definition is degraded to mean rock with feldspar in it with interlocking crystals that can be seen with the naked eye, we have material that is of a lesser standard.

Some materials that are considered granite under the second meaning are gneiss, granodiorite, gabbro, anorthosite, monzonite, and syenite. While this might be splitting hairs a bit, in certain applications the material with the pure meaning is needed.

Construction Uses of Granite Many tall buildings have a foundation of granite, and it is often used on building exteriors in commercial applications. Depending on the required effect, granite may be rough, smooth, or polished to fit the builder's intentions. Cut granite stones are very common in the construction of bridges, too.

Granite that has a rough textured face will generally have smooth ends, tops, and bottoms so that the stones fit tightly together. Granite is used both as a structural and a facing material.

Whenever possible, engineers prefer the use of granite curbs over that of concrete. Granite is far more attractive and stronger as well.

Granite in the Home One of the most popular uses for granite is for countertops. At one time, these were very expensive because there were only a few facilities that had the machinery to cut and finish the material. However, the demand for these durable surfaces has led many shops to invest in equipment to make their own tops, and this in turn has produced more craftsmen who have the expertise to work with granite.

The consumer is the winner as more cabinet makers enter the field of granite tops. It is now much faster to have cabinets fitted with stone countertops than just a few years ago. If you have an existing kitchen to retrofit with granite tops, you may only have to wait for two or three days, where it once would have taken two weeks or longer for the tops to be shipped and installed.

The demand and availability has also produced a more competitive marketplace, and granite tops are more affordable than they have ever been. Although they are by no means inexpensive, they are now more within reach of the average homeowner.

With more granite slabs being manufactured, there is a much wider selection of colors available. Most consumers want to choose the slabs that their tops are made from, not just select from a range of colors. This provides a more personal touch to the construction process.

Because every piece of granite is different from every other, each new owner has a countertop completely unique from every other one in existence. The careful homeowner can expect to keep granite tops for as long as they own their home; not many other materials are that durable.

It's easy to see why so many satisfied customers choose granite as their countertop choice, and many find other uses for this material throughout their homes. Just because granite is the most common of rock found on the face of the earth doesn't detract one bit from its appeal to the masses.

The next time you look at a picture of Mount Rushmore, just remember that you can have that same ageless material installed in your own home.

Why Credit Cards Can Get Suspended

Cardholders have certain rights that protect them as consumers. Subsequently, credit card issuers have rights, too, including the right to suspend credit cards anytime. There are times when cardholders don't even receive a notice about the cancellation. Probably, the worst way to discover that your card has been suspended is to have it rejected at the checkout counter.

An account can get suspended for several reasons. These include the following:

You don't use your card for several months.

When the new CARD Act of 2009 was implemented, card issuers were no longer allowed to charge inactivity or dormancy fees. However, it is not stated in the law that they can keep the account active. Hence, the issuers can easily terminate an account if not used for several months. To be on the safe side, you should use your card from time to time -at least every three months.

Your account is delinquent.

If you have not paid your card bills for quite a long time already, the issuer may choose to terminate your account. In order to keep your credit card, you have to pay the required minimum payment every month. Many card issuers don't suspend an account because of one missed payment. However, they will put your charging license on a temporary hold if you don't pay within 60 or 90 days. Most companies completely close an account if the cardholder does not pay his balances for six months or 180 days. Note that the interest rates and the penalty fees still rack up even while the account is suspended.

Your credit history has gone from bad to worse.

Universal default is a scheme where card issuers increase interest rates due to late payments of a cardholder with another card issuer. To the CARD Act of 2009, this is unjust and is, thus, banned by the said law. The creditors can choose to close an account, though, if they see that your credit score has gone down drastically.

Your creditor has gone bankrupt.

Not all card issuers are successful in their operations. Therefore, they are forced to shut down because of lack of income. Unluckily, cardholders are affected. Your previous creditor may sell their current accounts to a new issuer. This deal will cause your account to be closed. Thankfully, it is only temporary, which means that you can reactivate your account by contacting the new card company that bought the accounts.

Your creditor suspects fraud.

Suspicious activities can cause your account to get suspended. All card companies keep track of their consumer and business accounts. When they find out that a particular credit card is performing something suspicious, such as charging overseas with an unusually huge amount or purchasing in bulk during midnight, the company may contact the cardholder to authorize or reject the charge. If you don't respond to the message, your account can get suspended. You can reinstate your card by confirming the transaction.

When your card gets canceled, expect that your credit score will be affected, particularly if the card has a large balance. This is because your credit utilization ratio increases since you have bigger amounts owed than your available credit. The only way to solve this problem is to reduce your balance to repair your credit score.

Crunchy Coleslaw With Roquefort or Blue Cheese

Coleslaw goes with everything. Pulled pork sandwiches are often topped with this crunchy salad. It is also a common "side" for grilled steak, chicken, pork, and fish. Like soup, it is one of those recipes that tastes better the next day.

Though you can buy packaged salad in the grocery store, some nutritionists think pre-cut vegetables lose some of their nutritional value. Instead, they recommend buying whole vegetables and slicing or shredding them yourself. If you're watching your weight as I am, this recipe is a good choice.

Cabbage is filling and a storehouse of nutrients. According to the Nutrition Data website, the raw vegetable is low in calories and contains no cholesterol. One cup of chopped, raw cabbage contains only 22.2 calories. It also contains Vitamins A, C, D, E and K. This common vegetable is also high in calcium, with 35.6 milligrams per serving.

Commercial dressing is an option, but one I try to avoid because of the high sugar and salt content. One brand listed high fructose corn syrup as the first ingredient and that's not for me. I prefer to make my own dressing and used a sugar substitute. You may prefer to add sugar.

I read cookbooks like some people read novels. When I was paging through some of my cookbooks I came across several recipes for this crunchy salad with Roquefort cheese. Since I had made the salad (my husband and I had already eaten half) I added some cheese to the remaining coleslaw. It was so fantastic I decided to serve it for dinner.

To my surprise, the blue cheese flavor was barely there. That's why I recommend adding the cheese just before serving. Most coleslaw recipes call for cider vinegar. Since I didn't have any, I used rice vinegar instead. Bok choy may also be substituted for green cabbage. Are you wondering what to serve with sandwiches or a picnic supper? This sassy coleslaw will please all Roquefort cheese-lovers.

Ingredients

3 cups thinly sliced or shredded green cabbage

3 cups thinly sliced or shredded red cabbage

1 1/2 cups shredded carrots

1/2 cup green onions, white and green parts, chopped

1 cup light mayonnaise

2 tablespoons rice vinegar

2 tablespoons sugar substitute

1/2 teaspoon lower sodium salt

A pinch of pepper

1 cup crumbled Roquefort or Blue cheese

Method

Combine all ingredients, with the exception of cheese, in a large bowl. In a small bowl whisk together mayonnaise, vinegar, sugar substitute, salt and pepper. Pour over vegetables and toss gently. Cover with plastic wrap and refrigerate for two hours or more. Add Roquefort or Blue cheese just before serving. This recipe serves about a dozen people.

Copyright 2012 by Harriet Hodgson

Get Life Insurance That Will Serve Your Loved Ones Long After You Are Gone

Life insurance policy plays an important role in offering protection to the family against the unexpected. The annual term life insurance is affordable and easy to understand and therefore, you find many people going for this option. It specifies the length of the contract mainly from between 10 to 30 years. Once the term expires, the insured will be able to receive the benefits afterwards. In case the applicant dies before the term elapses then the beneficiaries will receive the benefits.

The term life insurance is inexpensive, temporary, convertible, renewable, flexible, expandable, and is simple. It is inexpensive because the applicant can buy a great amount of coverage using the lowest premium when compared with other types of policies. It is temporary in the senses that it is stipulated for a specific period. Typical term periods run from between 10 and 30 years, although the annual term life insurance is purchased to cater for one year. The term life insurance policy is convertible meaning that it can be converted to a permanent policy. This can be done without necessarily proving insurability again. Nevertheless, the premiums will change.

The policy is renewable when the term ends. However, the premium will be higher, when you compare them with the guaranteed rate that an applicant paid during the first term period. The policy is also expandable by allowing extra coverage. Some are included automatically at no cost including the accelerated death benefit. Others have other costs such as disability premium waiver, accidental death, demise of a child and more.

The online quotes make it possible to acquire the best value for money. This one- stop shop monitors the features, financial strength and rates of hundreds of annual insurance policies. The platform offers an independent, loyal and balanced view to customers. Furthermore, the service is free. By filling out a questionnaire about lifestyle and health as well as a few other simple questions, the applicant can get a free quote. Instantly, the applicant will be in a position to compare quotes obtained from leading companies in the industry.

The applicant can then select a policy that best suits him or her, especially with regard to budgetary constraints. Through this service, thousands of people have been able to save fortunes of their life savings. Before it is too late, it is best to seek advice about which policy will work best for you, and your loved ones.