Learn to Speak Spanish Through Online Programs

The Spanish language is becoming increasingly more important to speak and understand. More than 420 million people speak Spanish, including those who speak it as a second or third language. Approximately 17 million of those are in the United States, making speaking Spanish more than just a passing fad. Fortunately, there are many online resources geared towards helping people learn how to speak Spanish.

Learn Conversational Spanish

The website, studyspanish.com, provides people with the opportunity to learn conversational Spanish. Although this program will not help you achieve fluency, by reading the lessons and repeating sounds and phrases with the audio attachments, you can be well on your way to carrying on a conversation. Sample beginning lessons are available online, and students can add to their knowledge with the purchase of CDs.

Courses, Tutors and Games in Spanish

Websites like 123teachme.com provide grammar, vocabulary, verb conjugations and sounds, like the other websites, but they also incorporated games and quizzes. These games and quizzes use vocabulary and phrases to test students knowledge and memory. People using this site can also work with Spanish tutors, people who know the language fluently, to get one-on-one help and accelerate the learning process.

Use Videos on Google and YouTube

Videos are available on YouTube and Google, and allow Spanish students to hear how the words are said, including accents and emphasis, but also see how they're said. Some of these videos use visual aids, displaying words and their pronunciation, like a book and audio tape would do, while others use people. The videos are for the beginning and advanced learners, depending upon the individuals needs and desires.

Learn Practical Spanish

Websites like e-spanol.hu/en outline the basics of Spanish, including grammar, vocabulary and expressions. This website provides games, quizzes, tests, word practices, audio videos and transcripts for students to test their knowledge and maximize they're Spanish skills.

Master Words and Phrases

For the beginning and advanced Spanish speakers, or students who simply want a larger vocabulary, websites like learn-spanish.co.il/ are ideal. This website lectures specific words and phrases that can make your Spanish more descriptive and detailed, including words relating to travel, color, shapes, sports, animals, food and clothing. However, this website does not include an audio, but only a simple visual of the words.

Perfect Gifts for People Who Have Everything

All of us have those people in our lives who seem to have everything. Ties? They've got hundreds. Candles? Watches? Books? Good smelling lotions? They already have so many, they had a rummage sale last summer to sell all the extras. Even gift cards seem silly in these situations. To make matters worse, with the ever-growing health-consciousness in America we can not just fall back on the huge box of chocolates. For the holidays this year, I found the perfect solution: down feather beds! Five of the dearest people in my life got feather beds, and one down comforter and down pillows. All of them were rushed!

Down bedding makes wonderful gifts for several reasons. First, they are gifts that you know will not be stuffed in a closet somewhere and forgotten about. The hardest part is simply putting the feather bed on the bed. Once that is done, all the recipient has to do is crawl between the sheets! My favorite gifts are the ones that I can use for years and remind me of the person who has it to me. For example, a coffee mug tree has been on my kitchen counter since the day I received it from my aunt. I love it because it saves space, displays my favorite mugs and reminds me of her every time I have my morning coffee! What better way to show someone you love them, than by giving them something they can sink into each night and drift to dreamland thinking of you?

Second, feather beds truly improve quality of sleep when sleeping on one. By providing extra loft, the feathers take the pressure off your body and let you sleep longer in one position without having to toss and turn. With improved technology, down filled beds and comforters no longer come with a host of allergens attached either. Down used to be an impossible potential for allergy sufferers. Now, manufacturers have found ways of removing the allergens completely. Some of them even wash the feathers up to 800 times! (I have allergies myself and have never had a problem with either my feather bed or down pillows.) For the health-conscious people in your life, this is perfect. Forget the chocolates, bring on the feather beds and some high quality Z's!

Third, feather beds are one of those things that most people will not buy for themselves. It's not a necessity, so those on your gift list are not going to make room in a budget for it. On the other hand, I have never met someone who does not want a feather bed . What a joy to watch your loved one tear off the wrapping and open something he / she has always wanted, but never had! And it is not just adults who love them- my best friend bought one for his 11 year old son for Christmas this year and he squealed with delight almost as much as he did when opening the Dsi he was being asking for all year!

Birthdays, Christmas, Valentine's Day, any time you want to show someone you care is the perfect time to get a perfect gift for that someone who has everything!

Great Weight Loss Solution – Lap Band Surgery

We face lots of problem in our life but overall life is beautiful. The way of living and food what we eat directly affects our body. Unhealthy eating and irregular life engender a new problem regarding health. Obesity is one of the common health problems. Obesity is really a great problem in itself and also welcomes other health problems like heart attack, diabetes, hypertension, cerebrovascular accident, myocardial etc and some time death. To live life happily we should first try to get rid of this disease-obesity. This is not the new problem. It is very old one. There are many solutions for obesity and tried by many obese people but ultimate result is only few of them get the real advantages from those solutions. In addition solutions are also not suitable for everyone and demand your full effort. Over all, there is one best weight loss solution which has ultimate good result in a little pain, efforts and for long term.

Lap band surgery is that ultimate solution which provides great relief from obesity in little pain. In this lap band surgery a laparoscopic adjustable gastric band (Lap band), an inflatable ring type device is implanted via surgery by surgeon to tie the stomach and to divide it in to two parts. Uppermost part is tie to form a small pouch. Theory behind dividing the stomach is, by doing so surgeon try to limit or control your food intake in order to decrease your obesity. Lap band device limits the ingestion of food in to stomach and also control the ejection of food in to small intestine. It reduces the stomach functionality. That’s why you prolong the period of fullness. You feel full in small amount of food for a long time and thus you can reduce your morbid obesity. Lap band device is made up of silicone elastomer to make it biocompatible.

In this surgery there is no need of cut and staple. Only small incisions are made on your abdomen to insert lap band. You feel no pain. The whole lap band surgery procedure takes less then 1 hour. It is done on an outpatient basis under a general anesthetic. Mortality rate of this surgery is less than 1%. Generally patient spends about 24 hours in hospital. You may require some week in recovery. After 1 or 2 weeks you can perform your all general activities including going to work and after 6 week you can do exercise.

Before having a Gastric lap band surgery, meet with the surgeon to know whether you are an eligible candidate or not. Once surgeon suggests you for this surgery then you can proceed with pre-operative test. After surgery you have to follow some post-operative diet plan given by surgeon. Strictly you have to follow that diet plan otherwise you couldn’t attend or achieve the goal to reduce obesity. If you really want a good result from this surgery then you have to make your mind to follow all these. In 18 months (approx) you can lose approx 50 to 60% of your weight. You can adjust your lap band anytime in future. Surgery has some side-effects also like slippage of band, lap band erosion, vomiting, nausea, Band leakage, Reflux, Difficulty swallowing, Enlargement of stomach pouch or band slippage, Dehydration, No weight loss, Blockage of stomach outlet, Gas bloat, Nausea, Constipation, Ulceration, Weight regain, Gastritis, In extremely rare cases death. But you can control these side-effects by taking proper care. Take full advice from your surgeon and then go for it.

How Closing Accounts Can Kill Your Credit Score

One of the major factors of how your credit score is calculated is your capacity. This is the ratio of credit used to the amount of credit that is available. This accounts for 30 percent (almost a third!) of your credit score. For example if you have 5 credit cards with a $1000 limit and you have 3 of them maxed out and 2 of them inactive your capacity would be at 60 percent, $3000 of your $5000 total credit limit. This is not good in the eyes of the lenders and your credit score would suffer because its ideal to be at 10 percent of your capacity.

Remember a credit score is a formula measuring your ability to pay back your debts and obligations. If you have a high capacity and little room left for your maximum then your ability to pay back your obligations is viewed as more limited.

So in the example above, lets say you decide to close the 2 inactive cards for whatever reason. Nowadays, the credit card companies will charge a fee to inactive cards so a lot of people are now closing their inactive accounts. Well unfortunately, they are killing their credit score. If you are maxed out on three cards and you close the other 2, guess what, you are now at 100 percent capacity because your total credit limit is now $3000 instead of $5000. I know from personal experience this will cause your credit score to plummet.

My advice? Don’t close your inactive cards. Use them once a month, maybe for gas, or treat yourself to a latte from Starbucks. Then pay them off immediately so you don’t incur any interest. Do what you can to pay off the cards that are maxed out, or at least get them down to where your balance is under 10 percent of the limit. If you can, try to transfer the balance to a lower interest card, so it can save you a few bucks on the interest. This strategy is sure to improve your credit score because capacity is a major factor, and if your capacity improves, your score improves.

Asking your bank for a credit limit increase on some of your cards isn’t suggested nowadays, this is a strategy that old credit repair people recommended but in today’s economy with the credit crunch, it prompts an account review, which for some quirky reason, may cause the banks to LOWER your credit limit. This would damage your capacity as well.

You are already disciplined enough to not spend on two cards. You are unique in today’s credit crunch world, use your discipline to your advantage, don’t close your accounts. You will be doing more harm to your credit score than good.