With the hype that holidays usually bring, people always have the tendency to buy more and spend more without taking into account the consequences that their actions can bring.

Hence, it does not necessarily mean that because it is the holidays you have all the reason in this world to buy whatever you want and spend how much you want. Some people contend that it’s just once a year, so better give what you have.

The problem is that giving something just for the spirit of the holidays does not mean you have to spend gold. You can still give something that will be deeply appreciated without having to spend more money.

Here’s how:

1. Make a budget and stick to it

The problem with most people is that they find making a budget relatively easy but sticking to it is doubly hard. So what’s the point of making a budget when you do not know how to conform to what you have stated in there?

Making and using your budget should always go hand in hand. Therefore, when you make your budget this holiday season, it is best that you follow the things that are written in it so that you would be able to save more money.

2. Live within your means

Of course, everybody would want to give gifts because that is what the holiday season calls for. However, it does not necessarily mean that you have to spend more than what you can afford.

The trick to saving more money is to always live within your means. Spending more than what you can afford will definitely bring more problems than you can afford to solve.

3. Personalize it!

As they say, it is the thought that counts. Hence, there are no better ways to show how much you have thought of those people this holiday season than making personalized gifts.

4. Shop and compare

It really pays to shop around and doubly better when you compare prices. You will never know which items are better priced than the others are when you do not compare their values.

The point here is that you should not be confined to one shopping portal. Try to look for other items, usually in thrift stores and consignment shops, where you can find the best items at a lower price.

Indeed, shopping for the holidays can be fun, but you don’t have to be spendthrift. Nowadays, you really just have to be practical.

Summary:
As high school seniors across the country near graduation, they will have difficult decisions to make on which college to attend. Some seniors will prefer to take the traditional route to obtaining a college education and will choose to attend a two or four-year degree program offered at the college or university in their hometown. Some might want to become professionals in the work place right after high school graduation and will bypass pursuing a college education for seve...


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As high school seniors across the country near graduation, they will have difficult decisions to make on which college to attend. Some seniors will prefer to take the traditional route to obtaining a college education and will choose to attend a two or four-year degree program offered at the college or university in their hometown. Some might want to become professionals in the work place right after high school graduation and will bypass pursuing a college education for several years.

For these individuals, the college education selections can be made anytime in life and people are finding that continuing college later in life might be a better choice because some students will want to travel and see the world. At some point in those travels, they will eventually discover what type of profession would be best suited for their personality and lifestyle. Since they have had a chance to experience life a bit, they will also be more inclined to make a commitment to the college selections at their disposal and most will graduate at the top of the class.

Since the funding for college is available for traditional and online college courses, many students find that they can work and attend college courses at the same time. This type of educational opportunity offers students the flexibility they need to lead double lives for a while. There are thousands of degree programs to select from in the traditional and online forms of college and students learn that some of these degrees will put them on the fast track to advancing in the corporate world.

The online college education program selections are designed to conform with traditional degree programs. Students can pursue an associate degree through the internet while traveling around the world, and finish the educational selections with a Bachelor's degree in a traditional college campus setting. Some students will choose to attend one or two courses in a land-based classroom because the course program of study requires certain labs to be completed before credits are earned and the online classrooms education options do not offer these facilities.

Most online degree programs could pose a problem for students who are pursing a college education in a specific specialty. Some credits for online courses will not transfer over to the traditional, land-based college degree requirements, so some students will choose to continue their higher education pursuits for a Bachelor's degree online after they have found work in the career field of their choice using an Associates degree for an entry-level position with a company. The result of this type of college education selection will be an accredited degree that will be used as a stepping-stone to use for advancement up the corporate ladder.

Some students prefer to make college course selections by subject because they need this knowledge to maintain a career goal. The college education selections they make could focus specifically on culinary arts, or criminal justice. The student might have an interest in politics and can use courses in political science to gain a foothold on job positions available in the local Government structure. For people who are interested in performing jobs involved in social work, selecting human services courses would make them more marketable in their job search.

Summary:

Water hazards probably account for more penalty strokes than anything else in golf. But water hazards—as dealt with under Rule 26—often lead to controversy when interpreting the rule. So I’m careful to review the topic in my golf lessons and discuss it in my golf tips.

The controversy stems from interpreting where the ball last crossed the water’s edge. Since the decision affects where you take a drop, it makes sense to have a good understanding of the rule, especially if ...

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Water hazards probably account for more penalty strokes than anything else in golf. But water hazards—as dealt with under Rule 26—often lead to controversy when interpreting the rule. So I’m careful to review the topic in my golf lessons and discuss it in my golf tips.

The controversy stems from interpreting where the ball last crossed the water’s edge. Since the decision affects where you take a drop, it makes sense to have a good understanding of the rule, especially if a match is on the line or your working on a personal best.

The Rules

Golf’s rules define a water hazard as “any sea, lake, pond, river, ditch, surface draining ditch, or other open water course (whether or not containing water), and anything of a similar nature.” Courses mark water hazards with yellow stakes and lines. But the rules don’t stop there, as I mention in my golf tips and during my golf lessons; they also discuss a lateral water hazard.

The rules define a “later water hazard” as part of a water hazard “so situated that it is not possible, or is deemed by the committee to be impracticable, to drop a ball behind the water hazard in accordance with Rule 26-1b.” In other words, it’s a water hazard that doesn’t lie between the tee and the green. The course marks these off by red stakes or lines.

The Remedies

If you hit into water you do one of four things:

1.You can play the ball as near as possible to the spot from which the original ball was played.

2.You can drop a ball behind the water hazard, keeping the point at which the ball entered the water’s edge, directly behind the hole and the spot where the ball is dropped. There’s no limit to how far back the ball may be dropped, as long as the point of crossing lies between the drop and the hole.

3.You can play the ball as it lies in the water hazard.

4.If a ball goes into a lateral water hazard, you can drop a ball away from the hazard but within two club lengths of the point from which the ball last crossed the water. However, the ball can’t come to rest any closer to the hole than the point at which the original ball crossed the hazard.

The Controversy

A major source of controversy is establishing where the ball last crossed the hazard, not where the ball entered the water, which could be relevant in situations in which where a ball lands on the ground, then rolls back into the water.

The easiest way to deal with this type of problem is to determine the point where the ball was last on, or over, dry land, before it crossed the hazard. Next, determine if the point is between the red or yellow stakes. If it is, you can decide on the best course of action from that spot.

The additional dropping option for a lateral water hazard, however, means that the ball can sometimes be dropped on either side of the hazard, as long as it is within two club lengths of where the ball crossed the edge of the hazard and no closer to the hole. That can make a difference when you finally determine where to drop the ball. Unfortunately, no golf instruction can help you make that decision.

Hitting out of the water is rarely an option—and it’s not a choice I recommend in my golf lessons and golf tips—but it has been known to happen. Payne Stewart chose to play the ball from a water hazard during the final hole of his 1989 Ryder Cup Match with Jose Maria Olazabal. The attempt failed and he lost the hole and the match. Think carefully before choosing this option.

Grounding the Club

If a player chooses to hit from the water hazard, he or she can’t ground the club at any stage of address. Grounding the club may be unintentional, but it’s still a breach of the rules and subjects the player to a penalty—two-strokes in medal play and the loss of the hole in match play. The rule resembles that covering the grounding of a club in a bunker.

Knowing the rules governing water hazards won’t necessarily lower your golf handicap. But it will give you an idea your remedies next time you hit into the water. Since you can be penalized for violating the rules, think carefully before deciding. If you’re in a tournament and you’re confused about what to do, don’t hesitate to talk with officials.

Prenatal vitamin supplements are vitamin supplements that a woman can take on a daily basis to ensure that she is obtaining appropriate quantities of essential nutrients during pregnancy. It is important for a woman to discuss with her medical practitioner which prenatal supplements, if any, she should take and which she should avoid. It is essential that all prenatal vitamin supplements are only taken under the advisement of a medical professional. There are some prenatal vitamin supplements that can prove dangerous for a pregnant woman to take and she has to be especially cautious.

The most important point to consider when deciding which prenatal vitamin supplements to take is which one contains certain nutrients that are beneficial to the woman and her developing baby. The majority of adults do not need additional vitamins as they receive sufficient from a balanced diet but a pregnant woman often needs prenatal vitamin supplements, especially for folic acid and iron. However, it is essential that she ensures that the prenatal vitamin supplements that she takes to provide one particular nutrient do not contain potentially harmful amounts of another.

One of the most toxic types of prenatal vitamin that a pregnant woman has to be extremely cautious of is vitamin A. For this reason the most suitable prenatal vitamins for pregnant women who require extra vitamin A are those which contain vitamin A in the form of beta-carotene. Beta-carotene is a nutrient that is found in fruits and vegetables and is converted into vitamin A in the body. Prenatal vitamin supplements that contain vitamin A from animal products can cause birth defects when taken in high doses during pregnancy but beta-carotene is a much safer prenatal vitamin as it is not toxic in high doses.

It is essential that a woman discusses prenatal vitamin supplements with her health practitioner at her first prenatal check-up. They can examine her current dietary requirements and assess whether prenatal vitamin supplements are necessary to increase the amount of nutrients that she has available for her baby. Often a doctor will recommend that a pregnant woman takes a course of a folic acid vitamin supplement during the first trimester of her pregnancy. Folic acid is the most commonly prescribed prenatal supplement for the months prior to becoming pregnant as well and it is essential for the health and growth of the baby, especially the brain functions. Iron is another prenatal vitamin supplement that is recommended to prevent the mother suffering from anaemia due to the demands that the baby puts on her iron consumption.

When people speak of poker, there is one name that cuts above the rest of the poker classification—the Texas Hold ‘em poker. This type of poker is considered to be the most popular type being played in the casinos today, whether online or in real casinos.

Generally, Texas Hold ‘Em Poker starts with a batch of two players situated at the left of the “dealer button.” This dealer buttons refers to the round disc being passed on clockwise on each player. It signifies who will be dealer in the event that the deal was move forward from one player to another.

The betting starts on the first part of the game where the money is placed into the pot before dealing the cards. Normally, the first blind is the one that places half of the required minimum stake. The first blind refers to the player situated at the left of the dealer. The second blind, on the other hand, is the one responsible in placing the full minimum required bet.

Since the very object of the game is to win whatever is in the pot, it is best to know some rules or strategies so as to get an edge over the other players. Here’s how:

1. The table.

When a player is playing Texas hold ‘em poker, the best thing that he or she should consider is selecting the table. This is because players, regardless of their skills in playing the game, will be constrained to give their best shots if the table is too assertive, too rigid or too loose, or if it consists of players that are more skillful.

The bottom line: Even if the essence of winning the game is directly affected by the skills of the player, it is still best to play on a table that has few raisers but many callers.

The logic behind this concept is based on the fact that the more raisers there are in a table, the lesser the chances of winning the game.

2. When a player is in the early position, it is best to raise with K-K, A-K, and A-As, then, with A-Qs, Q-Q, J-J, A-K, T-T, have a call and then fold everything else.

3. For players who already have a remarkable hand starters, especially when he or she has a high pair, say JJ or even higher, it is best not to hesitate raising it before the flop.

Indeed, playing Texas hold ‘em poker requires skills also. It is not all based on gambling. This just goes to show that games like this requires both luck and skill to win the pot.