Friday, May 6, 2016

Tips for avoiding a divorce

If you have a marriage in trouble but you want to avoid divorce, you should know that you have great options for saving the relationship. The exact resources and tools used to put the broken pieces back together will depend on the reason for the problem. As an example, if your wife or husband was unfaithful, counseling can often help sort things out. Therefore, prior to doing anything, you need to identity the reason for the problem in the first place.


Other than infidelity, couples struggle with financial issues, which is a huge factor that can lead to divorce. Typically, both couples work full-time, which helps pay for the house, car, raising kids, paying bills, and even vacation. Unfortunately, many couples overextend, meaning they live on borrowed money. Of all factors, credit cards are the most common problem.


When more money goes out than comes in, massive stress takes over, leading to fights. Before long, the husband and wife are disagreeing on who makes more, what should or should not be purchased, who was at fault, and so on. Then to make matters worse, phone calls and collection companies begin to call wanting to know where the mortgage, car, or credit payment are. For the married couple, it soon becomes too much to handle.


If you find that you and your spouse are on the verge of divorce specific to problems with finances, for the sake of the marriage, go visit a finance advisor or credit counseling company to help get things back on track. In this case, counselors would act as the go-between for you and your creditors. In fact, these counselors are professionals who help set up a repayment plan and then work on a budget for the future.


Just because a married couple is having financial problems does not mean divorce is imminent. In fact, using a mediator or counselor can be a huge assistance. The reason is that the blame-game ends so the problem can reach a solution. Start by putting any differences aside and stop blaming each other. Then, create a solid plan for getting out of debt while also saving money.


Most importantly, to avoid divorce, start communicating. Unless you talk, you can never work things out. Keep in mind that good communication does not mean yelling, it means talking as adults. Therefore, take time so the two of you can sit down face-to-face to discuss the current situation, regardless of the problem. If anger is too high, the services of a professional marriage counselor can help. Just remind yourself that it takes time but with dedication and determination, divorce can be avoided.


Betting mlb ballpark figures keeps betting totals in perspective

A few years back we wrote an article on the importance of evaluating how teams hit left-handed and right-handed pitchers. In summary, we surmised it was important, yet keeping in perspective, we demonstrated how the numbers can be greatly affected by random chance. Hence we warned about becoming too dependant on deceptive statistics that are so often fools gold.


We have very similar thoughts about comparing ballpark statistics. There are some stadiums that could be classified as "pitchers’ ballparks" while others could reasonably be labeled more friendly to hitters.


Yet again, we have to give props to the four-letter evil empire ESPN. In their fantasy baseball section, they have a straight-forward "Park Factor" that compares that rate of stats at home versus the rate of stats on the road. A rate that is higher than 1.000 favors the hitter, with lower than 1.000 favoring the pitcher.


Still, statistical reliability would assume the quality of the opponent has been equal at home and on the road. Random chance indicates some teams will face or use a disproportionate number of aces and No. 2 starters in one location. This deviation is just one example.


Then there is wind direction. Perhaps several teams have had the wind blowing in straight from center a higher percentage while other squads has an overbalanced number blowing out to leftfield.


Why, according the ESPN Ballpark Factor, is Boston the top hitters’ park this year, but was 13th last season?


As of this writing, Rogers Centre in Toronto is the second best pitchers park, yet last year it was a hitters paradise ranking 7th in hitting (24th pitching).


Petco Park is a rare exception. They are currently the top pitcher’s ball orchard after finishing first each of the previous three years and third in 2003.


So how do the elite gamblers use the stats? To measure the reliability of pitchers’ splits is how we employ them. For example, virtually every Padre is going to have statistically better stats at home than on the road. The fact that Chris Young, Greg Maddux, and


David Wells have significantly better stats at home than on the road proves to be the rule, not the exception. Hence the educated eye realizes there is not an angle in their respective splits.


Yet Jake Peavy is actually a better pitcher on the road than at home. This is an advantage for the gambler. A pitcher’s splits are most effective when measured against the ballpark stats.


Is there an edge for the over/under better? Often short-term, but rarely is the edge long-term as the sportsbooks adjust. As of June 19, the Padres last eight road games and 11-of-12 has seen a posted total of 8.0 or higher.


Yet 15 of their last 18 home games have seen a total of 7.5 or lower. Thinking somehow the sportsbooks are oblivious to such angles is one way for a gambler to subsidize bookmakers.


The Park Factor statistic is a valuable handicapping weapon, but more for statistical validation. Those who think they’ve found the Holy Grail with stadium comparisons are not in the same ballpark as the sharpies.


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Thursday, May 5, 2016

Taking a cruise hurricane season in the atlantic

Hurricane season can be a rather tricky time for summer travelers. Kids are home from college, the younger kids are out of school, mom and dad are taking time off of work and the family want to take a vacation. Wait...what about hurricanes? The official hurricane season in the Atlantic begins June 1 and extends until November 30, encompassing the entire summer season in the Caribbean.


In 1998 the Phantom, a ship on the Windjammer cruise line lost its ship and all of the crew members after it sailed off into sea to avoid a hurricane. In trying to avoid the hurricane, they ran straight into the storm. Thankfully, the passengers had all been dropped off safely on the shore, but the captain and crew of the ship were not so lucky. This is a wake up call to all of those out there who think that cruise liners are unsinkable--obviously, they are not. A year later a Carnival cruise liner experienced some problems during a hurricane, but fortunately the ship, crew, and all the passengers made it out of the storm in one piece.


Situations such as this can cause a lot of travelers to second guess their travel plans, thinking that cruises and hurricanes do not mix. Of course, hurricane season and cruise liners do not go together well at all, but somehow the cruising industry has managed to stay above the hurricane season at least most of the time, making the summer one of the best times ever to take a cruise to the Caribbean. From August to December, the prices of cruises and everything that goes along with it (dining, ship lodging, activities and such) are at an all time low.


Hurricane season can be a real bummer, and those of you who have had your summer vacation displaced by a pesky hurricane or have had your long-awaited and oh so well-deserved cruise vacation cancelled due to inclement weather know exactly why that is. The good thing in all this is that as technology has advanced, so has the capabilities of the cruise liners and the liner companies themselves. No, this does not mean that a cruise ship can take on a hurricane. What this does mean is that shipping companies and weather services go to extra measures to insure that mishaps such as those that occurred with the Phantom never occur again.


Of course, this means that nothing is promised. Do not take any cruise reservations to be final ones, because any slight inkling or joke of a storm will cause the shipping company to yank their ship (their biggest investment) and their passengers (those who fund their biggest investment) off of the ocean in heart beat.


A strong piece of advice is not to finalize anything! Don't pay any hefty deposits for anything having to do with your cruise during the summer months, the peak of the hurricane season.


Why use infrared heat therapy

What is infrared heat therapy, also known as radiant heat therapy? Radiant heat is a term that simply means a form of energy that heats an object directly, without having to warm the air around it. An example of radiant energy is sunlight, which warms the skin even on a cool day. One can sit comfortably outside on a sunny, cool afternoon, and feel the benefit of the sun’s radiant heat or its loss when the sun is obscured by a cloud. This form of heat therapy is often used by physical therapists, physicians, massage therapists and athletes for its benefits of relaxing muscles and its ability to speed healing of injuries.


Many natural therapy practitioners extol the benefits of radiant heat. It has been used by Chinese medical practitioners for centuries, and new studies have shown that infrared light increases the number of white blood cells produced by the body. White blood cells, the body’s main defense against infection, are vital to health and the quality of life.


Infrared heat therapy also provides for exceptional calorie burning. Whole body infrared heat therapy, such as can be obtained with an infrared sauna, can routinely burn six hundred to over two thousand calories in a regular half-hour long session. What a perfect way to lose weight.


Also, infrared heat therapy directly stimulates the body’s largest organ—the skin. Infrared heat therapy produces a deep sweat, which helps to eliminate body toxins and foreign substances. Releasing these poisons has many health benefits. People who use infrared heat saunas regularly can experience relief from arthritis symptoms, increases in circulation of blood and lymph, an increase in the production of collagen, reduction in edema and many other benefits. Many models of infrared saunas are designed for home installation and use, increasing the convenience of this form of sauna.


Wednesday, May 4, 2016

How to write a love scene

The most critical lesson in writing a love scene is that it is similar to making love in the real world: when done well, it is messy, chaotic and somewhat animalistic. The civilized approach does not work; it leads to the greatest drawback of all: predictability.


Does this sound familiar? The leading man and woman dislike one another intensely; something happens and they see another side of the other; in spite of their best efforts to deny it, they find themselves attracted to one another; and they ultimately fall into a passionate embrace. Do you really want to write that one again?


The Best Love Scenes


The best love scenes are the ones in which the participants are not perfect specimens and the circumstances are obscure and somewhat confused. They are the scenes in which the reader has to work for it. In a word, they are authentic.


For example, here is the opening paragraph of my book, Point and Shoot:


This is how you make love to a woman undergoing cancer treatments. You ignore the metallic taste of her kiss; the slight snorting sound she makes when you press into her; the bony feel of her body, covered by skin that lacks tensile strength; the hairless scalp. You close your eyes and remember what it was like before. You move gently, until you forget yourself, as you should. You savor the moment because there might not be many more. And one more thing: you move very gently.


How to Get Started on Your Love Scene


I would suggest that you start by imagining your most interesting and emotionally-moving encounter with the opposite (or the same) sex. Write out a free association narrative about the images; scents; colorings; texture; dialogue; weather; and other aspects that trigger your memory.


Then, complicate it. You must assume that your memory of the event has been neutered by the passage of time. You remember your past, as we all tend to do, in an unrealistic light, obscuring and shading over the petty annoyances (Could you stop that whistling?); the inconvenient bodily functions (I have to pee.); and the wanderings of your mind (Did I lock the car door?) . So instead of writing that simplistic and ultimately, predictable story, shake it up.


Have your female character imagining a former lover, while her words are only about the man in her arms. Have your male character fear that he will not achieve arousal, and keep this truth from his lover until it can no longer be hidden. Have your characters wear blindfolds, so that all of the narrative description is tactile. In other words, create some kind of slanted, asymmetrical aspect to the story. Make your characters, and the reader, work for it.


Sure, Sex Sells, But Don’t Make it Porn


One of the most frequently asked questions is how explicit to make the love scene. The answer is simple: less explicit than what you would want to read.


It is axiomatic that the most sexually-charged organ of the body is the mind. That is where your story will be experienced, and you need to cater to the mind’s unique way of perceiving. The best caricaturists will use nothing more than a curved line or a geometric shape to suggest an instantly recognizable celebrity. They draw the most memorable aspect of the person’s face, for example the ears. By that alone, the viewer can instantly discern the subject’s identity.


Likewise, a writer must suggest rather than explain. Describe how it feels to run a finger along a thigh; to feel blankets bunched between your body and your lover’s; to be out of breath and not really know why. To paraphrase a long-ago Presidential campaign, make it subtle, stupid.


Here is another excerpt from that scene in Point and Shoot which illustrates the point:


"Are you getting there?"


"I told you never to ask me that question. It doesn't matter. Keep going. Finish."


"If I'm hurting you."


"Keep going."


I sped up. She shifted her hips to make it easier. After a while, I could see a tear well up at the corner of her eye. The tip of her nose flushed. She patted my shoulder again. "I said keep going."


A wave of remorse and self-pity, a heavy, deadening feeling, yanked me back.


I stopped for good and rolled off her.


She lay there, splayed out, staring at the ceiling. Unmoving.


I propped myself on one elbow, stroking her abdomen.


We were silent for a long while.


Conclusion


To sum up, love scenes are done best when they follow no particular formula, but instead, come from the heart. Less is more. Of course, you should also keep in mind that the research is frequently much more fun than the actual writing. But take a few moments to get it down on paper, anyway. We readers like to watch.


Tuesday, May 3, 2016

Unsecured small business loan process is easier today than ever before

Today, more and more people are applying for loans online. From busness loan applications, home loan applications, to online car loan applications, the application process is simpler and easier online. The precarious part about filling out an online loan application is that the consequences of improper loan applications can be detrimental. Incomplete or incorrect loan applications can result in a denial of the loan request, or not getting approved for as much money as you may have hoped, even though you actually had the credentials and qualifications for your original loan request.


Generally, unsecured small business loans applications are fairly simple. As a trend, they are much simpler and easier to fill out than the paperwork at a traditional bank or lending institution. Many online lenders today boast one page applications. You simply fill out the fields online and once you submit it, the information is electronically retrieved by the lender Its that simple.


For those that are particularly intimidated by the loan application (and even those that aren’t), submitting a loan request online is not a bad idea. These web based lenders are efficient, have great loan programs, and are much easier to apply to than traditional lenders. Their paperwork is far shorter, and has an interactive help section in case you get confused. When you are filling out an unsecured small business loan application, as well as other loan products, sometimes one application filters through several lenders for a better chance of approval.


The most common measure of security taken by lending companies is to require collateral. This means the business loan request will be approved only if it can be secured against a home, vehicle, or other asset of value. In the event that the loan defaults, the lender can then recover its money due to the lien placed on this object.


Business plans are one if the most dreaded parts of the unsecured small business loan application process. These plans can be thick, detailed, and complicated. Often they require information that a small or startup business may not even have! The worst part is that completing a well done business plan does not guarantee loan approval.


The small business loan application process can also be made difficult by the imposition of restrictions on how the loan proceeds can be used. This takes away the borrower’s freedom to use the funds as he or she may have seen fit. You can escape these hassles by using an online application for a unsecured small business loan.


The online loan application is easy to complete. Just fill in the fields and then click on submit, and the information is electronically sent to us. You will need only the most basic information to fill out our online application. This will include the amount of the loan you are seeking, and your basic contact information, such as your phone number, address, and email address. You will also be asked basic questions about whether or not you own your home, and what you believe your personal credit rating is. Basically, the process will be very similar to filling out an easy online credit card application.


Applying for a unsecured small business loan is easy, all the business owner need to do is just go on line and submit their loan details. Then the lenders will refer back to you with the loan decision in a few days.


Sunday, May 1, 2016

History of olive trees

Olive trees, ‘Olea europaea,’ are the oldest fruit trees and certainly are one of the most important fruit trees in history. Olive tree culture has been closely connected to the rise and fall of Mediterranean empires and other advanced civilizations throughout the ages. Because olive trees offered wealth and future food supplies to established civilizations, the agricultural nations became stable societies, resulting from a secure expectation from past experience of an uninterrupted food and olive oil supply. This factor was a necessary requirement for population growth and increase. Dependable fruit production and olive oil production means that olive trees must exist in a stable society and a peaceful environment. That stability must extend for many years, since most ancient seedling olive trees required eight or more years before ever producing the first crop of fruit. Productive orchards of olive trees meant that a foundation of the great empires of Greece and Rome had arisen and developed into complex economic and political forces. It is interesting to note that the historical decline of these empires corresponded to the destruction of their olive tree orchards that reduced the available supplies of olives, olive oil, olive wood, and olive soap. In connection with the destruction of olive orchards, it is interesting to note that in the Israeli wars with Palestine, 50,000 olive trees were destroyed by Israeli bulldozers. That act of agricultural destruction resulted in considerable anger and unrest along the Gaza strip and the West Bank, because the economic livelihood of many Palestinian farmers depended on their products from the uprooted olive trees. Additionally, the olive tree was historically a ‘peace and goodwill’ symbol, and when the olive trees were leveled near the city of Bethlehem, the birthplace of Jesus and the “Cradle of Biblical History,” that elimination of olive trees seemed like a deliberate provocation to end the ‘peace’ with the Palestinian settlers and farmers.


The Greeks recognized that in their vast empire they must avoid hostilities and war during the period that the Olympic Games were being conducted, and they declared a worldwide armistice so that their complete attention could be directed toward their athletic events and games.


Medical properties of olive oil were reported by many ancient Greek writers and philosophers, their importance in creating nutritional benefits and wealth for Greek citizens continues abundantly today--some Greek olive tree orchards containing a million or more trees. Aristotle wrote extensively about the accepted methods of successfully growing olive trees.


Greek mythology records that Athena, the Goddess of wisdom and peace, struck her magic spear into the Earth, and it turned into an olive tree, thus, the location where the olive tree appeared and grew was named Athens, Greece, in honor of the Goddess, Athena. Local legend tells us that the original olive tree still stands growing after many centuries at the ancient sacred site. Citizens still claim that all Greek olive trees originated from rooted cuttings that were grown from that original olive tree. Homer claimed in his writings that the ancient olive tree growing in Athens was already 10,000 years old. Homer stated that Greek courts sentenced people to death if they destroyed an olive tree. In 775 BC Olympia, Greece, at the site of the ancient Olympic stadium, athletes competed and trained, and winners were triumphantly acclaimed and crowned with a wreath made of olive twigs. Ancient gold coins that were minted in Athens depicted the face of the Goddess, Athena, wearing an olive leaf wreath on her helmet holding a clay vessel of olive oil. The Greeks began olive cultivation in 700 BC. The sacred lamp that was used in ancient Greek culture for lighting dark rooms at night was fueled by olive oil. Aged olive oil was also used in sacred anointing rituals of the church at weddings and at baptisms. Herodotus wrote in 500 BC, that the growing and exporting of olives and olive oil were so sacred that only virgins and eunuchs were allowed to cultivate orchards of olive trees. The first documented plantings of olive trees may have occurred during the Minoan civilization on the island of Crete and are believed to have been growing around 3500 BC. That civilization predates the discovered Mycenae olive fossils from 1600 BC and later in the Greek empire. Sturt Manning, an archeologist from Cornell University, reported in Live Science Magazine (Apr 28, 2005) that the most devastating volcano in 10,000 years occurred on the Greek Island of Thera, after which the city of Akrotiri was totally buried by the falling ash. The finding of olive wood and olive seed fossils buried near the site has shown through carbon dating that the volcanic eruption occurred between 1660 and 1600 BC and may have contributed to the total destruction of the advanced Minoan civilization (Atlantis) on the isle of Crete and may have led to the formation of the Sahara desert in North Africa after vaporizing the native forests there.


In the Old Testament of the Hebrew Bible (Gen 8:11), Noah was given an olive branch by a dove after the great flood as a symbol of peace and love of God, which it remains today. In the book of Exodus, Moses explains that God expected olive oil to be used in various rituals that were performed by priests of Israel. Olive oil was used as an anointing oil to be poured over the heads of Kings and priests that acknowledged their authority as an agent of God. Many other references to olives are given in the Bible. Psalms 52:8 “But I am like the green olive tree in the house of God, I trust in the steadfast love of God forever and ever.” Finally, Jesus was to spend his last day praying at the mount of olives garden of Gethsemane, in Jerusalem before his crucifixion. Jesus was arrested there, tried, convicted, crucified and later ascended to heaven, after his resurrection from the tomb.


Impressionist artists were stunned by the antique age and beauty of olive trees and their productiveness that resulted in masterpiece paintings by Van Gogh, Cezanne, Renoir, and Matisse. The world’s great Biblical reporters, literary writers, and poets immortalized the olive tree, such people as Jesus, Milton, Shakespeare, and Lord Byron.


Thomas Jefferson wrote “The olive tree is the richest gift of heaven.” The U. S. Department of Homeland Security has reported “Benjamin Franklin and Thomas Jefferson, who traveled abroad, brought plant material such as olive trees and rice back to the U. S. to develop United States agricultural production.” Thomas Jefferson was the U. S. ambassador to France during the Revolutionary War, and he began to import olive trees and seeds into the southern U. S. The excessive humidity of South Carolina and Georgia did not allow profitable olive tree orchards to develop properly in those areas. Jefferson wrote “The greatest service which can be rendered to any country is to add a useful plant to its culture.” He ranked his introduction of the olive tree and dry rice into South Carolina as two of his top lifetime achievements. Thomas Jefferson wrote to James Ronaldson on January 13, 1813, “it is now twenty-five years since I sent them (southern planters) two shipments of about 500 plants of the olive tree of Aix, the finest olive trees in the world.”


The fragrant flowers of olive trees are small and creamy white, hidden within the thick leaves. Some cultivars will self pollinate, but others will not. The blossoms usually begin appearing in April and can continue for many months. A wild, seedling olive tree normally begins to flower and produce fruit at the age of 8 years. The fruit of the olive tree is a purplish-black when completely ripe, but a few cultivars are green when ripe and some olives turn a color of copper-brown. The size of the olive fruit is variable, even on the same tree, and the shape ranges from round to oval with pointed ends. Some olives can be eaten fresh after sun-drying and the taste is sweet, but most olive cultivars are bitter and must be treated by various chemical solutions before developing into edible olives. If the olives are thinned on the limbs of the trees to 2 or 3 per twig, the ultimate size of the olives will be much larger. The fruit is gathered in mid October and should be processed as soon as possible to prevent fermentation and a decline in quality.


The leaves of olive trees are gray-green and are replaced at 2-3 year intervals during the spring after new growth appears. Pruning yearly and severely is very important to insure continued production. The trees have the unproductive limbs removed, “so that it will be more fruitful” John 15:2. An olive tree can grow to 50 feet with a limb spread of 30 feet, but most growers will keep the tree pruned to 20 feet to assure maximum production. New sprouts and trees will emerge from the olive tree stump roots, even if the trees are cut down. Some olive trees are believed to be over a thousand years old, and most will live to the ripe old age of 500 years.


Olives generally are beaten off trees with poles, harvested mechanically or by shaking the fruit from the trees onto canvas. Most ripening olives are removed from the trees after the majority of the fruit begins to change in color. It is important to squeeze out the olive oil within a day after harvesting or else fermentation or decline in flavor and quality will occur. The olive oil can be consumed or used in cooking immediately after its collection from the press. Olive oils are unique and distinct, each brand of olive oil having its own character, as determined by many factors, like those unique flavor differences found in fine wines. Prepared commercial olive oils can vary greatly in aroma, fruit flavor; whether the taste is, flowery, nutty, delicate, or mild, and the coloring of olive oil is quite variable.


Olive oil produces many health benefits when used in cooking or when poured over salads. The use of olive oil can improve digestion and can benefit heart metabolism through its low content of cholesterol. Experts claim that olive oil consumption will cause a person to grow shiny hair, prevent dandruff, prevent wrinkles, prevent dry skin and acne, strengthen nails, stop muscle aching, lower blood pressure and cancel out the effects of alcohol.


Olive trees can survive droughts and strong winds, and they grow well on well drained soils up to a pH of 8.5 and the trees can tolerate salt water conditions. In Europe, olive trees are normally fertilized every other year with an organic fertilizer. Alternate bearing can be avoided by heavy pruning and generally the trees respond to this very quickly and favorably.


Olive trees should be purchased that have been vegetatively propagated or grafted, because the seed grown trees will revert to a wild type that yields small olives with an insipid taste. Olive trees are more resistant to diseases and insects than any other fruit tree and, therefore, are sprayed less than any other crop.


The Romans conquered Greece in 146 BC, and the victors took olive secrets to Rome, but since then Greece has remained the greatest exporter of olive oil during the centuries. The olive tree seems to be perfectly adapted for growing in the mild climate of the Mediterranean countries. The trees grow well in dry areas with mild winters and long hot summers, even enduring drought conditions or high winds. The European area of the Mediterranean produces 98% of the world olive oil supply. Olive seed are believed to have been brought to California in 1769 to grow into trees hardy to 12 degrees Fahrenheit. Those olive trees were cultivated in the Franciscan Spanish monasteries.


Even though commercial production of olives in the United States is only 2% of the world market, great interest in growing olives throughout the South has been stimulated by the recent introduction of promising cold hardy olive trees from European hybridizers. Many European immigrants to the United States grow their own olive trees in large pots, that can be moved in and out of the house during seasonal changes.