Technology spoils people’s whims. It tends to cater to every human’s caprices. It feeds on the people’s undying thirst for easy, instant, and convenient. More often than not, it also causes them a lot of trouble—financial trouble through credit card debt—that is.

Credit Card convenience vs. Credit Card debt

We often see people pull out “plastic” to pay for everything they need. Why not? When all it takes is a quick swipe of the card through a little electronic box and a signature then, everything’s okay. You go home happy, content, and almost worry-free. On the other hand, not every one of these people realize that the convenience of using credit cards can lead to a false feeling of financial security. And this realization will strike them as soon as the bills arrive.

In fact, studies show that credit card debt and personal bankruptcies have increases bank profits to the highest level in the last five years. It only shows that more and more credit card holders were unable to manage their finances that lead to credit card debt. If you are a cardholder and having some credit card debt troubles at this early stage, it’ now time to think over the possible outcomes of this minor glitch so that a more serious problem with credit card debt would cease to arise.
Credit card gives people the feeling of invincibility. And it also gives them tons of uncertainty about their financial management capability when they encounter problems with their credit card debt. Although it is true that that credit cards solve financial matters especially when it comes to safety and convenience, credit cards also creates hassle especially when the person using it doesn’t know what you he or she’s getting into.

Indeed, paying off credit card debt may take a long time especially if the person has high interest rates. But, it doesn’t mean that you can do nothing about efficient management of credit card debt. When you find yourself overwhelmed with credit card debt, don’t fall into a pit of depression. You can get through it with discipline and a change in spending patterns. Start eliminating problems with credit card debt by getting tips and techniques on how to pay off your balances easier, how to consolidate of frequently encountered problems, look for free debt consultation agencies that can help you, and try—inch by inch—to rediscover ways on how you can regain your financial freedom by reducing you credit card debt.

The power to eliminate credit card debt

People who are having problems managing their credit card debt or those who are near in bankruptcy often don’t realize that the power to eliminate their credit card debt troubles totally is in their hands. Today, more and more Americans need credit card debt help badly. The main problem is that these families are having difficult times paying high interest for credit card debt. And instead of lifting the burden of credit card debt, more people are paying much in interest every month than that of the actual expenditure.

There are actually more lawful and moral ways to zero-out thousands of dollars in credit card debts. And if you only take the time to research and know your rights and how bankruptcy laws have changed, you will discover that there are valuable facts to eliminate credit card debt. Actually, the possibility of reducing or eliminating the high interest credit card debt is now more possible when a person takes action to get his or her finances back on track.

Apart from knowing your weapon in terminating credit card debt, it is very important that you develop a sense of control and perseverance first. Since credit card debt elimination process requires organization, clarity, and commitment to your own growth, it is a must that you are ready for the responsibility and to stand free and independent.

For those people who consider having a credit card indispensable but afraid of getting one because of the possibility of credit card debt nightmare, you must remember that credit card can be a powerful tool in managing your finances but there will always be glitches when not used properly. Of course, there are countless reasons why you should and shouldn’t get one depending on your needs. Whether you decide to get one or not, managing finances it still takes a sense of good budgeting, willingness to change spending habits, and the humility to avail low interest consolidation loans when you are already burdened by too much credit card debt.

Summary:
Baker College is the largest independent college in the US state of Michigan, a fully accredited, private, not-for-profit career college system founded in 1911. It now houses 13 campuses, and offers worldwide online education focused on job specific training that promises a more personally rewarding career. Baker online is a series of courses and programs made accessible by Baker College via the internet, which links students to the faculty, offers them an opportunity to earn...


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online, college, university, degree, accredited, courses, class


Article Body:
Baker College is the largest independent college in the US state of Michigan, a fully accredited, private, not-for-profit career college system founded in 1911. It now houses 13 campuses, and offers worldwide online education focused on job specific training that promises a more personally rewarding career. Baker online is a series of courses and programs made accessible by Baker College via the internet, which links students to the faculty, offers them an opportunity to earn their degrees from the convenience of their own homes, with flexible schedules.

Baker College is accredited by the Higher Learning Commission, in addition to being a member of the North Central Association. The Baker Center for Graduate Studies also carries professional accreditation by the International Assembly for Collegiate Business Education

The Complete List of Online Degrees Offered by Baker Online:

Undergraduate Programs

1. Certificate

• Web Design

2. Associate of Applied Science Degree

• Computer Programming
• Computer Programming - Java Option
• Industrial Technology
• Web Design

3. Associate of Business Degree

• Accounting
• Accounting/Computer Information Systems
• Accounting/Management
• Computer Information Systems/Micro Applications
• General Business
• Human Resource Management
• Management
• Marketing

4. Bachelor of Business Administration

• Accounting
• Business Administration - Accelerated Program
• Finance
• Human Resource Management
• Management
• Marketing

5. Bachelor of Computer Information Systems

• Computer Information Systems
• Project Management and Planning

6. Bachelor of Computer Science

• Computer Science
• Database Technology

7. Bachelor of Health Services Administration

• Health Services Administration - Accelerated Program

8. Bachelor of Web Development

• Web Development

9. Postbaccalaureate Certificate

• Project Management and Planning

Graduate Programs

Master of Business Administration

• Accounting
• Finance
• General Business
• Health Care Management
• Human Resources Management
• Leadership Studies
• Marketing

Enrollment Requirements:

There are separate specific admission procedures for the Undergraduate and Graduate programs. Before enrolling for a degree program on Baker Online, students are required to have an experience in computer operation, such as loading software, using a word processor etc. There is also a three week online class to review and evaluate all the requirements, as well as introduce students to the Baker Online classroom. Additional courses only come after you have successfully completed this preliminary course, with instructions from a Development Coordinator or Academic Office.

The Blackboard, the Virtual Classroom, and the Asynchronous System:

Baker online uses several methods in their online teaching system.

The internet based “Blackboard” allows students to receive and send information with the instructor, the classroom, other students, and groups. Access to the internet is the only requirement, without the need for special software. The online common meeting area for students assigned to a specific online class is the “virtual classroom”, and each one is designated a unique name to ensure privacy. The "asynchronous” system is not dependant on time or place, and allows you to participate in discussion, read lectures, and complete exams.

The Library:

Baker online students can access and use any of the nine campus libraries, and online resources are available 24 hours a day, 7 days a week. Besides the Baker libraries, Baker online also allows you to browse the library collection of other libraries all over North America, as well as access to downloadable journal articles.

Summary:

Ball position is a critical component that’s often overlooked by players with high golf handicaps. Ball position decides a shot’s initial direction. While theories on ball position abound, you need to find one that’s right for you.

Ball position affects a clubhead’s swing path, as I explain in my golf lessons. If the ball is too far back, the clubhead moves on an in-to-out swing path at impact, sending the ball to the target’s right. If the ball is too far forward, the cl...

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Article Body:

Ball position is a critical component that’s often overlooked by players with high golf handicaps. Ball position decides a shot’s initial direction. While theories on ball position abound, you need to find one that’s right for you.

Ball position affects a clubhead’s swing path, as I explain in my golf lessons. If the ball is too far back, the clubhead moves on an in-to-out swing path at impact, sending the ball to the target’s right. If the ball is too far forward, the clubhead moves on an out-to-in swing path at impact, sending the ball to the target’s left.

Correctly positioning the ball increases the clubhead’s chances of meeting the ball at the correct angle of attack and on the right target path. It also helps eliminate a fade or hook, along with other swing adjustments.

Most teaching pros subscribe to the standard ball position theory as do most players and most professional golfers. This theory advocates changing the ball’s position depending on the club used. If you’ve taken golf lessons or read my golf tips, you’re probably familiar with this theory.

For example, the ideal ball position for the driver is just inside the heel of your front foot. Placing the ball there ensures that the clubhead makes impact just beyond the swing’s lowest point, with an upward, sweeping motion of the club—the perfect swing for the being used.

The ideal position for long irons, on the other hand, is slightly back from the driver’s position. The ideal position for mid-irons is one or two balls back from this position. And the ideal position for short irons is in the middle of your stance.

These positions place the ball at the lowest point in your swing, given the length of the club used and the type of swing taken. In addition, placing the ball at these positions enable the golfer to make clean contact with a crisp descending blow—the key to hitting iron shots well.

Much golf instruction is built around the standard theory. But not every teaching pro advocates it. David Leadbetter, who’s taught numerous pro golfers, like Nick Price, and written several books, offers another approach. It’s one he stresses in his golf instruction books. Like the standard theory, it makes sense.

Leadbetter suggests that players with lower golf handicaps position the ball (1) just inside the left heel for woods and (2) two balls back for irons. For players with high golf handicaps, he suggests positioning the ball (1) in the middle of their stances for irons and (2) a ball or two forward from that position for woods.

His reasoning is logical. Players with low golf handicaps use their lower bodies more aggressively than players with high handicaps. Players with low golf handicaps are capable of taking advantage of a forward ball position. Players with high handicaps are not.

Golf legend Jack Nicklaus also offers a ball position theory, which he explains in his golf instruction books. It, too, make sense.

Nicklaus advocates a constant ball position, regardless of the club used. He believes that the ball opposite the left heel is the only spot where the club ever travels parallel to the target line. Any other position towards the back foot means the ball is struck too early in the downswing.

Instead of re-positioning the ball, Nicholas favors changing your stance, depending on the club. Open your stance for the shorter irons, and pull the right foot back, to make the stance wider and squarer, as the club’s shaft length increases. Winner of 18 majors, Nicholas has a theory that seems to work for him at least.

Another consideration with ball position is tee height. I tell players taking my golf lessons that the ball’s equator should be even with the top of the driver when the ball is on the tee. Placing the ball higher enables the player to hit the ball on the upward arc of his/her swing. Players with oversize clubheads, then, need longer tees to reach the right height.

A third consideration with ball position is weather. If it’s windy, tee the ball higher if you’re hitting with the wind to generate loft. The added loft enables the wind can carry the ball farther. Tee the ball lower if you’re hitting against the wind to produce a low shot, like a line drive in baseball. This type of shot cuts through the wind and rolls farther than a shot with loft.

Regardless of which theory it is, find one that’s right for you, just like Jack Nicklaus did. Test each theory out while on the practice range and under game conditions. Work on it until you find the ball position that’s right for you. Then, use it every time you play.

So you finally finished your water garden construction. You have finally come to the fun part of creating your water garden: picking the flowers and plants that will make your water garden a beautiful oasis.

Not only should you consider beauty when you are picking your plants, but you must also remember that plants provide another, more important value to your garden, biological life. Biological life helps maintain your pool by doing what they would do in nature.

Be sure to pay attention to your climate and area. Some plants can simply not survive in certain conditions, so it is wise to do your research before hand. Talking with your local dealer will give you some idea of what plants you can and cannot have in your pond.

Lotus Plants

Undoubtedly, since your pond contains Koi, a tropical fish, you may want to keep with the theme and place Lotus plants in your pond. Pretty much everyone with a tropical water garden will want a Lotus plant because the beauty is simply unmatched by other flowers.

Lotus plants provide beautiful blooms, and a smell that is unmatched. However, unless you live in an area that sustains temperatures higher then 65 degree Fahrenheit, you will need to have to have a place to house your Lotus plants during the colder months. A greenhouse setup specifically for water plants will work the best.

Lotus plants require soil, and a large amount of sunlight. They should be planted in water about 2 to 3 feet deep during the warmer months, and indoors during the colder months.

Water Hyacinths

If you simply do not have the time to plant and maintain your water garden’s foliage, or you are somewhat lazy when it comes to gardening, you may want to consider adding Water Hyacinths. Water hyacinths have become very popular recently because of their simplicity. They do not require any type of soil or planting, you must simply throw them into the water. Only minimal time is needed to anchor them down so that they do not float all over the pond freely.

Water Hyacinths are not only pretty, but are also very functional as well. These plants aid in the fight against both algae and blanket weeds.

One downside when having Water Hyacinths is the fact that they will take over your pond and yard if you allow them. Water hyacinths are very invasive, and will spread if allowed. In extreme cases, it may even jump the fence and take over the neighbors yard as well. Once they have caused this kind of infestation, it is notoriously difficult to get rid of them.

Hidden But Functional Plants

Alternatively, you may want to consider investing in plants that are not necessary seen. These plants live below the water line, and provide many needed functions to your pond. Some help you battle algae, put oxygen back into the water, or feed your fish for you.

You can find these plants in bundles at your local pet store or Koi dealer. The majority of underwater plants will not need additional support during the winter, so once you place them in the water, you may not think twice about them again. However, the benefits that you gain from having these types of plants make up for the fact that you are not able to actually see them.

Almost everyone’s first tree experience has some embarrassing events. Nobody can be an expert right away; we all make mistakes that sometimes haunt us for years afterwards. Some of us make worse mistakes than others, though. I think that if there was an award for being the most naïve person to ever attempt growing a tree, I would win.

When I decided to plant a tree of my own, I had the perfect spot in mind. There was a gap between my house and my fence of about 5 feet. It was probably the least traveled area of my whole lawn, and I thought it could use something to spice it up. Maybe if I provided some lovely shade, it would become more used by my family. I envisioned a little picnic paradise in the shade, where my family could go just to be with each other and nature. Boy was I wrong.

I decided on a nice apple tree. Despite the risk of apples falling on our heads, I thought it would be a treat to sit under the shade and munch on delicious home grown apples. Just the thought of this romantic, poignant activity was enough to make me drive my self to the nursery and purchase the first apple tree in sight. I didn’t know enough about trees to look at the roots or any of the signs that it could be an unhealthy tree. I spent the required amount of money and had the tree delivered right to my house.

I dug the hole right where I wanted the tree. This took almost the rest of the day. Holes are an easy thing to underestimate. It’s easy to say that a hole will only take an hour or two, but once you actually start digging it usually progresses a lot slower than you would have estimated. By the time I actually got the hole big enough to fit the ball of roots, I certainly didn’t feel like digging another few feet around the perimeter as most tree planting guides suggest. I was just ready to place the tree. With the help of my morbidly obese neighbor, I lifted the tree across the yard and dropped it into my hole. Then, it was time to fill in the hole.

I couldn’t have been happier once I filled in that last shovel load of dirt. I stood back to admire my work. That was when my 3 year old daughter said something that crushed my spirits, and haunts me to this day. “Daddy, that tree stands up like grandpa!” My father is a great man, and if she had compared any other aspect of the tree to him I would have considered it an honor. But unfortunately his back has been deteriorating lately, and he can’t stand up very straight. I noticed that my tree did indeed have a similarity to his posture.

Thinking this was a problem that the tree would naturally outgrow, I decided to leave it for a while to see what happens. Every day I went out to check on the progress of the tree; to see if it was any straighter than it was the day before. I daily had my spirits crushed when I saw that it had not improved at all. Not wanting to put forth the effort of removing it from my yard, I decided to just forget about it. I never went over to that side of the house again and almost completely pushed the tree from my mind. I decided that if any problem ever came about from leaving the tree there, I would pack up my furniture and flee the state. That’s how much I was humiliated by my tree experience.

After about 3 years of completely ignoring that the tree ever existed, I was sitting in my house one day and heard a loud crash. I ran outside to see what the problem was, just to see that my tree had grown to such an unmanageable size that it had taken out my gutter and part of my neighbor’s fence. I moved out of state within a week.