Atricle Dump - Recreation and Sports

If Wealth Came-a-Knockin'
Assuming that wealth was a stranger who decided to knock on your front door, would you let the stranger in? Probably not, most would see a stranger and not the potential good the stranger could possibly bring.Wealth is so foreign to some people, that if it were standing directly in front of them speaking very loudly, they would need an interpreter to translate its language. Then, it stands to reason that we should learn the culture of wealth and to speak the language of wealth. How many of you have ever taken the time to learn a foreign language? You know then, how concentrated your efforts must be to exact the dialect so that you can speak it fluently without being misunderstood. Speaking a common language creates rapport, trust, and comfort.Wealth is not about money at all. The fact of the matter is wealth is the result of using money wisely. This statement may surprise many, but it is true. Wealth is about lasting security, freedom, and peace of mind. Learning the culture of wealth, its language, and building a relationship that will last a life-time, requires time. Let’s face it; we live in a time-deficit society, starving ourselves of the real values of living. So how can you find time to start a budding romance with wealth? The answer: you just do it. As with any relationship, there is a period of courtship. You must court the idea of possessing wealth subconsciously.In practical terms, you begin with doing a simple task every pay day. You pay yourself first. Subtract at least ten percent of your earnings and put into a retirement account. For those under 30, this means you, too! Many Gen X’ers have dreams of retiring young. Well, this is a sure-fire way to do it. Back to the tasks, paying yourself does two things: first, it puts you first; and second, it makes dreams of early retirement as a wealthy man/woman a reality.It takes twenty-one days of doing the same thing to create a habit. So, let’s put that theory to the test. Challenge yourself to make a commitment to put ten percent of your net earnings in some type of an account for the next 21 pay days. It doesn’t matter if you are paid weekly, bi-weekly, or bi-monthly; just make sure it covers 21 consecutive pay days. If you miss one, you must start over again.Wealth longs to be pursued by a prudent and wise suitor. Take the time to learn how to make it your partner in life

was sports messageboard communities. While sports messageboards have never reached mainstream popularity, they have a solid presence on the net. A quick search for "baseball messageboards" in Google will return over 8.5 million hits.

Internet messageboards also represented the first Petri dish for user-created media. This sentiment is best exemplified by a scandal that occurred at the beginning of the 2000 season. Bobby Valentine, then the New York Mets manager, gave a lecture at the Wharton School of Business -- an "off-the-record" talk. But "off-the-record" is only a term relevant to journalists. While the ''Daily Pennsylvanian'' (Penn's school newspaper), gave a perfunctory mention to the speech, one student-attendee went much further. Brad Rosenberg, using the username brad34, logged onto a Mets message board and claimed that Bobby V blasted some players and management. The mainstream media ran with it; then-general manager Steve Phillips hopped on a plane to Pittsburgh to pow-wow with Valentine; and minor scandal was in the works.

Today, the phenomenon that started on message boards has extended to blogs. Over the past two years, blogs have exploded. Everyone (from grandmas to infants) are starting their own blogs, and not surprisingly a number of these blogs talk about sports. Blogs provide individuals with the community of a sports talk radio and potentially infinite world-wide reach. A powerful combination. Today, there are approximately, http://sportsblogs.org/sports.php?subject=Blogs, 1158 baseball blogs floating around the internet.

4. Satellite Television

Walking is a Great Form of Exercise - Walk Off the Weight
Walking exercise is a great and easy way to lose weight and get fit. The greatest challenge for any working mom is the obstacle of finding time to exercise. For stay-at-home moms it's even more difficult because little ones often accompany the adventure and that means plenty of distractions along the way.Many fitness experts consider walking as the best form of exercise. It's also an easy exercise program to begin because you will be able to set your own goals and limitations as you embark on your new fitness adventure. While some people might encourage you to join your local gym or the YWCA, walking for exercise gives you the ability and flexibility to exercise whenever, wherever you want.Workout flexibility is great, but having a set schedule when you first begin is very helpful. In fact, pick out a set schedule for 21 days and write it in on your day planner and schedule everything else around your walking schedule. Why? Too many times exercise commitments are broken because you put someone else's needs before your own. For 21 days, you are going to put your overall health and well being first. You must take care of you! Starting now.It is easier to start a walking program than joining an expensive gym. In fact, the only equipment you need will be a comfortable pair of walking shoes. You might check into a headset or walkman so that you can get into the groove of your new and improved YOU! Walking to music will encourage you to pick up your step and often you will walk longer than you had planned as your mind is wandering away and you are letting your troubles pass you by.If you are a beginner, the best walking advice is to take it easy and start up slow. It is also a good idea to start with (2) 10 minute brisk walks before plunging into a full 20 minute power walk. Unless you are extremely overweight, or have health problems, you should be able to start your walking program with the 2 daily exercise sessions and do these 6 days a week or 7 days a week if you are feeling frisky and energetic. Start your walking program on a Monday. It is also a good idea to start changing your eating habits and patterns when you first step out into the world of exercise. You can accomplish so much more if you are maintaining a healthy lifestyle while taking on a life-changing and possibly life-saving walking program.If you start up a walking program and follow it consistently you will lower your blood pressure, reduce your risk for heart disease and help you begin a journey toward a better way of life! You will noti

With the baseball season in full swing, it's time to remember how geeks and technology have transformed the game of baseball. Over the past three decades, the internet, medical advances, and the globalization media have fundamentally transformed how fans consume baseball and how ballplayers play America's pastime. Below is a survey of some of the ways technology has effected baseball, and some ideas on how some new technologies will continue to affect baseball.

Baseball, Technology, and Fans

1. Video Games

From the beginning, video games have attempted to replicate baseball. In 1971, Don Daglow at Pomona College wrote ''Baseball.'' During the early 1980s, Atari and Mattel also released baseball video games. In 1983, Mattel released Intellivision ''World Series Baseball.'' For the first time, players of ''World Series Baseball'' could use multiple camera angles to show the action. A gamer could see the batter from a modified "center field" camera, see baserunners in corner insets, and view defensive plays from a camera behind home plate. ''World Series Baseball'' also integrated fly balls into their interface.

In 1988, baseball video games made another jump, when Electronic Arts (EA) released ''Earl Weaver Baseball'', which added an actual baseball manager provided run by artificial intelligence. The important of ''Earl Weaver Baseball'' was acknowledged by Computer Gaming World in 1996 when it named ''Earl Weaver Baseball'' 25th on its list of the Best 150 Games of All Time. This was the second highest ranking for any sports game in that 1981-1996 period behind FPS Sports Football.

Nintendo also hit a homerun, in 1988 when it released ''RBI Baseball.'' RBI was the first video game to be licensed through the Major League Baseball Players Association. The game contained authentic major league players and rosters, and not surprisingly was a huge hit with players.

Twenty years after the first baseball video game, ''Tony La Russa Baseball'' appeared on shelves across the country. The game made significant advancements in baseball game play. First, ''La Russa'' included a circular Fly Ball Cursor that appeared where the ball was going to land, and grew or diminished in size based on the height of the ball. If the wind was blowing the cursor would move its location to reflect the changing course of the ball. The Fly Ball Cursor introduced real fly balls and pop-ups to computer baseball games, eliminating the last segment of the sport that had never been simulated accurately. Second, ''La Russa'' allowed users to conduct drafts and set up their own leagues, all with access to the game's comprehensive player statistics. Third, ''La Russa'' was the first baseball game to offer accurate stats for each individual pitcher against each individual hitter, data that actual managers use extensively in the dugout. In contrast to many sports celebrities who merely lent their names to games, Tony La Russa spent extensive sessions over a period of years working to make the game's artificial intelligence as accurate as possible.

The quality of baseball games has continued to develop since ''La Russa.'' The development of EA's ''MVP Baseball'', Sony's ''MLB The Show'', Out of the Park Developments' text-based simulation ''Out of the Park Baseball'', and the and growth of gaming systems (from Genesis to XBox360) has transformed the depth and reality of baseball games. Even players themselves admit to using them prepare for games. According to an FHM article written by 2004 AL Cy Young Winner Johan Santana (April 2006 pg. 113), "I can see the hitting zones of each player and statistically where he doesn't like the ball. I can also get a feel for when he will swing at fastballs and when he may not expect a change-up. I wouldn't say that I would pitch to a guy in a real-life game the same way, but it gives you ideas of how to approach certain hitters."

2. Internet Fantasy Baseball

Hate it (girlfriends, wives) or love it (practically every baseball fan), fantasy baseball has become as popular as the sport itself. Once regulated to stat junkies who painfully calculated and managed everything on their own, the expansion of the internet has allowed millions of fans to participate in leagues with friends and other fans throughout the country. This couldn't possibly affect the actual sport itself right? Wrong. Fantasy Baseball has a huge impact on fan interest. Did your team throw in the towel mid-season, or currently in an unwatchable rebuilding year? That’s OK. You can still follow your fantasy team and can continue to watch games involving your players via the MLB Baseball Cable Package. Major League Baseball is a product, and anything that allows your customers to constantly read, write, and talk (thus promoting) about your product in a passionate way becomes important.

Fantasy baseball would not have becomes popular without technology. Computers and the internet ushered in this sports revolution. The advent of powerful computers and the Internet revolutionized fantasy baseball, allowing scoring to be done entirely by computer, and allowing leagues to develop their own scoring system, often based on less popular statistics. In this way, fantasy baseball has become a sort of in-time simulation of baseball, and allowed many fans to develop a more sophisticated understanding of how the real-world game works.

According to a recent Fortune article, the "American male's obsession with sports is nothing new, but try this on for size: More than half of fantasy sports fanatics spend over an hour a day just thinking about their teams." Fantasy baseball is a ''billion dollar industry.'' However, Much like the RIAA and MPAA, Major League Baseball is putting clamps on the fantasy technology that fueled professional baseball's rebirth after the 1996 strike. MLB has decided to dramatically restructure how it licenses companies that run fantasy games on the Web. Official licensees will now likely be restricted to a Big Three of ESPN, CBS Sportsline, and Yahoo! (some reports add AOL and The Sporting News as well). "Mom and pop" shops that helped usher the fantasy baseball phenomenon into existence will be severely limited by the licensing deal. They will only be allowed information to service 5,000 customers apiece. Everyone else using baseball statistics to run small fantasy leagues will have to choose between scaling back their operations, closing up shop, or receiving a visit from MLB's lawyers.

3. User Created Media

Before the internet, media creation was limited to professionals. Newspapers, radio, television, and niche sports magazines like Sports Illustrated possessed a virtual stranglehold over the dissemination of sports news and information.

The first user created sports media occurred with the advent of Sports Talk radio. An extension of talk radio, which has existed since the 1940s, sports talk radio took off in the early 1980s. Today, over 30 major sports talk radio stations exist throughout the country. Sports talk radio provided fans a soapbox to voice their complaints, thoughts, and analysis of sports. However, instead of ranting only to their friends and family, sports talk radio gave fans the ability to transmit their ideas to a potentially large audience.

Wanting a voice, sports fans used technology to disseminate their ideas over the internet. The first of these technologies was sports messageboard communities. While sports messageboards have never reached mainstream popularity, they have a solid presence on the net. A quick search for "baseball messageboards" in Google will return over 8.5 million hits.

4. Satellite Television

Simple C# Page Hit Counter
If you have or are interested in developing your own website, there probably will come a time when you want to get a general idea of how many times your website is being visited. There are more elaborate ways to do this of course, some developers refer you to reading the server logs, others will suggest using a third party product and implementing it's code within your own website.For the rest of you who would rather just get a general idea if your personal website is getting roughly 10 hits per day or 1000, this little code snippet will help get you on your way. I have developed elaborate site analysis applications that provide statistics on what pages are being viewed, how long the visitor remains at that specific page, what browser they are using, who referred them to the website to begin with as well as what their I.P address is and the list goes on. For the sake of this article though, we'll be using the k.i.s.s method.The level of this code requires only a minimal amount of knowledge of the .NET environment, and of course your website should be hosted on a windows server with the .NET environment.This code can be copied and pasted in the footer area of any .aspx file in your website. Generally, you would put it in the footer of the home page, or at least that's a good place to start.The first thing you'll want to do is create an empty text file, call it counter.txt and save it to your root directory. The next step is even easier, copy and paste the code below into your .aspx file and save it. Be sure to import the system.IO class into your page something like this public string counter() {StreamReader re = File.OpenText(Server.MapPath("counter.txt"));string input = null;string mycounter = "";while ((input = re.ReadLine()) != null){mycounter = mycounter + input;}re.Close();int myInt = int.Parse(mycounter);myInt = myInt + 1;TextWriter tw = new StreamWriter(Server.MapPath("counter.txt"));tw.WriteLine(Convert.ToString(myInt));tw.Close();re = File.OpenText(Server.MapPath("counter.txt")); input = null; mycounter = "";while ((input = re.ReadLine()) != null){mycounter = mycounter + input;} re.Close();return mycounter;}'copy this code to the bottom of your .aspx page.A brief description of what is g

rs, and not surprisingly was a huge hit with players.

2. Internet Fantasy Baseball

3. User Created Media

4. Satellite Television

Brand Presentation - Go Out of Your Way to Have Fun
Have you ever noticed the brightest colors, and the funniest scenes are the most memorable?A little old granny with her red hat and red vinyl purse looking at a teensy weensy piece of meat on a big round bun saying, “Where’s the beef?” comes to mind when I think of funny commercials. Everybody for years walked around commenting “Where’s the beef?” It became the instant putdown on every date, the end all of party conversation, and the choice location to have a burger.Splash yellow paint across the screen, zap it with a green jagged line, and add a pair of bright red lips talking from the depths of creation and you’ll get some attention. If the lips happen to have a quirk and say something funny, you’ll have people repeating your catchy brand slogan for months, or maybe years afterward.When the world learned to sing in perfect harmony a few years back, it was to the tune of the Real Thing, Coke Classic in a shapely bottle. Nobody needed to ask what the wave was when Coca Cola brought back an old favorite.For your new brand, strike up a funny pose, brightly colored, with a prime phrase, and keep the energy high. You’ll want everyone to remember your kick ass brand because it’s funny, its repeatable, and it captures attention. If it just happens to be a phrase that catches on and everyone uses for a variety of reasons, you’ll have a recognizable BRAND that presents your product every time it’s used.How many years did we walk around singing “Please don’t squeeze my Charmin?”Even my children, born twenty years after the fact, know that when I’m singing the ‘charmin’ song, I’m singing a jingle about toilet tissue. And, ya know what? I still sing it.When you create a new brand for your business, think presentation and have some fun!Please don’t squeeze my Charmin!Don’t hold her so tight!If Charmin needs Squeezin’…After all, you shouldn’t have to say “Pleeze” just to get a little “Squeeze”, right Mr. Whipple?

ill swing at fastballs and when he may not expect a change-up. I wouldn't say that I would pitch to a guy in a real-life game the same way, but it gives you ideas of how to approach certain hitters."

2. Internet Fantasy Baseball

3. User Created Media

4. Satellite Television

Home Mortgage Loans-The Role of Sub Primes in Today's Market
There is little doubt that sub prime lending at least in part fueled the housing boom. There is also little doubt that sub prime lending has fueled what has become a huge spurt in foreclosures that may last into the next few years.For five years starting in 2000 the housing industry was in "boom" mode because of the relaxed underwriting and creative new types of mortgages in the market. Now those same companies are going out of business right and left.Just in the last few weeks hardly a day goes by that you don't hear or see news of a new scandal related to sub prime loans.What does it all mean? How will this translate into future business?1. SUB PRIME RATES will probably go up. Because of all the defaults the economic pressure clearly dictates a rise in the rates going forward. How much is unclear. One half to one full percentage point is the consensus.2. NEGATIVE IMPACT on the home buying market. It translates to less potential buyers in the marketplace. As many as 16% of homebuyers in recent years have been sub prime borrowers-that is a big number to deal with.3. LIMIT MORTGAGE CREDIT to some at the margins who maybe shouldn't qualify anyhow.4. UNDERWRITING CRITERIA will go up. This will make it more difficult for many to qualify for a loan.5. ELIMINATE SOME BORROWERS from the marketplace. You could argue that they shouldn't have been there in the first place.All this will be accentuated and magnified because of the slowdown in the industry to begin with. In a roaring boom no one would notice. In a slowdown like we have now every glitch shows up.There will always be a sub prime market it just won't look like the one you remember from two years ago. It is a great example of how markets work. It will pretty much fix itself (as long as the Feds stay out of it).

spend over an hour a day just thinking about their teams." Fantasy baseball is a ''billion dollar industry.'' However, Much like the RIAA and MPAA, Major League Baseball is putting clamps on the fantasy technology that fueled professional baseball's rebirth after the 1996 strike. MLB has decided to dramatically restructure how it licenses companies that run fantasy games on the Web. Official licensees will now likely be restricted to a Big Three of ESPN, CBS Sportsline, and Yahoo! (some reports add AOL and The Sporting News as well). "Mom and pop" shops that helped usher the fantasy baseball phenomenon into existence will be severely limited by the licensing deal. They will only be allowed information to service 5,000 customers apiece. Everyone else using baseball statistics to run small fantasy leagues will have to choose between scaling back their operations, closing up shop, or receiving a visit from MLB's lawyers.

3. User Created Media

4. Satellite Television

The Service Department - Caught in the Middle
Wake up timeBy now you may be realizing that the service department is really caught in the middle, between the sales department and manufacturing. This is a real challenge for the service department. In order to survive we must build a strong working relationship not only with the customers but also with the sales department and the manufacturer or supplier. I would recommend that each employee be assigned to a liaison group by product line to work as a point of contact between sales and manufacturing. This should be at least two or three employees meeting weekly on new products and monthly as the product ages. They should discuss items such as equipment problems, guide lines for upgrades, trade in values, critical parts, and other items that would improve the relations with the end user. It would help if the groups maintain a list of general subjects to go over to help remind each member of problems they have experienced or of information that was given to them by other technicians.The service department should initiate this process as we have more to gain, (our jobs). The service department should accept the challenge of pulling these four groups together for the good of the company. The service department is usually the point of contact when problems arise. I would recommend that one person in each liaison group be assigned to be the contact person for sales and another person be the contact person for manufacturing, so that each has only one primary responsibility and that they contact their counterpart after each meeting even if to report that there are no problems. This will insure that the lines of communications remain open. If aggressive action is not taken by the service department to address problems and work toward solutions, then others will take action and question the need for the service department. In the future products will not be repaired, but discarded I see this taking place all the time. As an example, I own a very expensive DataScope compass, it started to loose one of the segments in the readout. This is usually a very common problem of a bad contact. The company would not repair, only replace the scope at the dealer cost after the warranty period. The unit was completely sealed and non repairable. I destroyed the unit to discover that I was correct, a bad contact.The service department must evolve into an information service from a repair service. There will always be a need of more information about products and a point of contact for our customers. We

4. Satellite Television

Satellites beam baseball games around the world, fueling global baseball. While the first satellite television signals were relayed in the early 1960s, widespread consumer television reception took off in the 1980s. For the first time, geography did not limit the dissemination of moving pictures. Television's power with no geographic limits translated into new opportunities for major league baseball.

By the late 1990s, baseball games could be seamlessly and relatively inexpensively transmitted throughout the globe. This allowed Major League Baseball to reach into foreign labor and commercial markets, most notably Japan. Without satellite television, the Seattle Mariners probably would have passed on MVP outfielder Ichiro Suzuki, the New York Yankees would have passed on All-Star Hideki Matsui. Satellite television helped transform regional icons like Ichiro and Matsui into worldwide phenomenon.

Today, if you take a trip to Japan, you might see Hideki Matsui's at-bat broadcasted in a a Tokyo bar, subway station, or even on the side of a building. Satellite Television helps baseball remain on the march.

Baseball, Technology, and Players

5. Improved Surgeries

Before 1974, if you were a pitcher and happen to tear your unlar collaterl ligament in the 'ol elbow, you would be trading in your hat and spikes for a suit and tie. Dr. Frank Jobe changed the fortunes of hundreds of future professional pitchers when LA Dodgers pitcher Tommy John asked him to "make up something" after he was diagnosed with the career-threatening injury. The procedure, now famously called "Tommy John Surgery" , consists of having the ligament in the elbow replaced with a tendon from elsewhere in the body (often from the forearm, hamstring, or foot). Today, retirement is not the only ending, as success rate for this type of surgery is estimated at 85% - 90%. Recovery time is down to about a year for pitchers, and a half a year for hitters. In fact, pitchers often come back throwing a few extra MPH on the fastball. Just think, without this procedure, Mariano Rivera, star closer for the New York Yankees, would not have been able to nail down all of those post-season victories and 4 recent World Series titles! Yankee fans everywhere owe you a big thank you Dr. Frank Jobe.

6. Eye Enhancemants

Many professional athletes have gone through a well known laser eye surgery called LASIK. LASIK, an acronym for Laser-assisted In Situ Keratomileusis, is a form of refractive laser eye surgery procedure performed by ophthalmologists intended for correcting vision. Since baseball players rely heavily on their sight to pick up a 95 MPH fastball whizzing past their noggin, it makes sense that LASIK has been so important. Jeff Bagwell, Jeff Cirillo, Jeff Conine, Jose Cruz Jr., Wally Joyner, Greg Maddux, Mark Redman, and Larry Walker have all reportedly upgraded their vision to 20/15 or better. The popularly of LASIK surgery has led the Minnesota Twins' medical staff to diligently educate its players about the benefits and risks of LASIK surgery.

Similarily, a contact lens designed by Bausch and Lomb and marketed by Nike has been made to aid hitters. The lenses are red and filter out certain shades to allow you to see the seams on a fastball. The quicker the batter can follow the ball leaving the pitcher's hand, the quicker they can react to it. Is this any different than steroids?

7. QUESTEC

QuesTec is a digital media company known mostly for its controversial Umpire Information System (UIS) which is used by Major League Baseball for the purpose of providing feedback and evaluation of big league umpires. The company, based out of Deer Park, New York, has been mostly involved in television replay and graphics throughout its history. In 2001, however, the company signed a 5-year contract with Major League Baseball to use its "pitch tracking" technology as a means to review the performance of home plate umpires during baseball games.

The UIS system consists of 4 cameras placed at strategic locations around a ballpark that feed into a computer network and records the locations of pitches throughout the course of a game. Computer software then generates CDs that umpires and their higher-ups can review and learn from. These CDs include video of the pitches as well as graphic representations of their locations plus feedback on the umpires' accuracy.

Controversy over the Umpire Information System surfaced over the next several years as umpires and players alike voiced concern over the system's accuracy on one side, and the partial and potentially biased coverage of major league games on the other. The company installed its cameras and computers in only 10 of the 30 stadiums around the league. Umpires filed a grievance with the National Labor Relations Board (NLRB) to get rid of the technology; meanwhile a more hands-on approach was taken by Arizona Diamondbacks pitcher Curt Schilling. Schilling used a bat to smash one of QuesTec's field cameras, an act that led to a fine for the former World Series MVP.

8. Stat Analysis

Over the past few years, several teams throughout Major League Baseball have changed their approach to running their organization. Traditionally, players are evaluated by scouts using stats that have been around for centuries, such as Runs Batted In, Batting Average, and just how fast a pitcher can throw. The “Moneyball” school of thought (named after a book by Michael M. Lewis released in 2003 about the general manager of the Major League Baseball team Oakland Athletics, Billy Beane) believe this method to be subjective and flawed. Now, General Managers will evaluate their players directly from their laptops, that crunch all sorts of numbers that are centered around the ability to not record an out (hey, that is the general basis of the game, innit?). So who can draft a better ballteam, a Windows XP machine (with service pack 2 of course – without it will draft all Minnie Mendoza’s) or a scout that has seen millions of innings of baseball over the last 30+ years?

9. Steroids

We can’t have a baseball article without mentioning the S-Word now can we? Steroids are an invention of modern medicine. German scientists first developed anabolic steroids in the 1940s, learning to produce testosterone in a laboratory setting.

Now, two San Francisco Chronicle reporters have written a book detailing Barry Bonds' steroid use, called ''Game of Shadows'', which goes into alot of detail behind everything Bonds did to chemically enhance his body. Bonds allegedly used every conceivable method of steroid use, including pills, liquid, creams, and injections (by himself and trainer). His methods obviously worked (though there was no testing to get around), because Bonds (now 41 years old) bulked up tremendously over the past 8 years and starting hitting homers at record paces.

The more that comes out about these players, the more 1995-2004 will be forever known as the "steroid era." We might never know exactly who took steroids during this time, but everyone will definitely treat the stats over the last decade with skepticism. Now that MLB has finally started testing the players, will certain players desperate for that extra edge try new technologies that can't be detected? Its ironic though. Mark McGwire and Sammy Sosa practically saved the sport after the 1994 strike by captivating the fans with their 1998 chase for Roger Maris' home run record of 61. Now, after numerous congress hearings and alot of "no comments," their reputations are co

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Credit card debt has become an important element in most Americans life. According to the recent statistics, they owe more than half a million dollars in credit card debt.

While a checking account come with so much ease and features that greatly help with financial matters, it also brings with it the potential for abuse. You could over draw your account at will, and with your ATM you have unrestricted access to funds in your account and so much more.

The optimal solution in terms of medical care would be applying for a commercial student insurance policy. However as this can get extremely expensive, we either have to accept the fact that our children may suffer from inadequate health care or we have to start juggling the various policies to give them the best for the lowest cost.

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