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Last week's letters and blog pingbacks in full - guardian.co.uk

Tue, 09 Sep 2008 21:43:01 GMT

Last week's letters and blog pingbacks in full
guardian.co.uk, UK - Sep 9, 2008
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How Creditors Measure penis sizegenetics penis enlargement device enlargement with vigrx plus Your Credit Rating

Creditors will measure your credit rating based on the following three main things.

Capacity
Collateral
Character

The penis enlargement pill three "C's" show creditors your:

"Capacity" or income to pay the debt
"Collateral" or assets to secure the obligation
"Character" shows your compliance to repay the debt

1. Capacity

The very first question is whether you have sufficient income to repay the debt. Creditors will definitely check to see if your income exceeds your expenses so that you ca comfortably pay the debt. A creditor will then want to know:

Your income - from all sources
Your fixed expenses
Your other debts

The amount remaining from your total net income, after deducting your fixed monthly expenses and other debts, is your capacity. If your net income is $3,000 a month and your total living expenses is $2,500, then your credit capacity is an amount that requires no more than $500 in monthly payments.

If you now pay $400 a month for other credit obligations, then your remaining capacity is a $100 a month, and a creditor should extend you that amount of credit.

There are three techniques that will allow you to maximize your income:

Increase your income
Decrease your expenses (easier to do than the first one)
Reduce your other debts

2. Collateral

A lender or creditor can be secured or unsecured. Secured lenders hold a lien against specific assets, such as real estate, an automobile, or boat. If you fail to pay, the secured lender can sell the pledged asset to recover debt owed. Secured lenders seldom loan more than the auction value of the collateral.

Secured credit, is an almost guaranteed way to rebuild your credit. Even with poor credit, a lender may advance your credit if you ca secure the credit with a lien against some valuable asset. Many creditors extend credit entirely on the strength of the pledged assets.

Other credit considerations are either ignored or carry comparatively little weight in the credit decision.

What can you use as a collateral penis enlargement to secure your debts and rebuild your credit? You may be appreciably wealthier than you think. Add the value of your various assets (property that you own) and subtract any existing mortgages or lies against those assets. The difference is your equity or net worth in the asset.

This is what you have available to secure a loan. Do not overlook any asset:

Home
Investment real estate
Stocks, bonds, mutual funds,
Automobile
Boats, planes, recreational vehicles
Notes and mortgages due you
Art, jewelry, antiques
Pensions, IRAs, and Keoghs
Royalty income
Income from trusts

You may have other assets to pledge. The point is that collateral gives you a borrowing power approximately equal to your equity in your assets. Regardless of your credit history, if you have collateral worth a solid $100,000, you should be able to borrow close to that amount.

3. Character

Creditors next consider your character. How important this is depends upon the type of credit, and who your creditors are. Asset based lenders rely chiefly on collateral, and they are less concerned with your character than are unsecured creditors who can only rely on your prior reliability for honoring your obligations.

When creditors check your character, they basically look at how you satisfied your past obligations. Meaning they want to know:

How many credit defaults have you had?
What was the reason for the defaults?
How recent are they?
Do you own your own home?
If you rent, for how long have you rented the same apartment or house?
Do you have a checking account?
Do you have a savings account with regular deposits?
Do you have a payroll savings plan at work?
Do you have a telephone in your own name?
Do you have a criminal record?
Have you filed bankruptcy?

Positive answers to these nine questions will often offset an otherwise negative credit report. Basically your credit character boils down to your credit history in the past. In the eyes of creditors, if your past credit character is good, there is no reason to believe why your future won't look promising.

Championship penis sizegenetics penis enlargement device enlargement with vigrx plus Betting Review - 26 February 2006

Reading ended Preston North End�s 22-match unbeaten run at the Madjeski Stadium. Steve penis enlargement Sidwell opened the scoring for the 7/10 Royals after six minutes but Calum Davidson equalised almost immediately. Leory Lita netted the winning goal for Stev Coppell�s side on the stroke of half time.

Sheffield United lost ground on Reading after losing 3-2 at Brammall Lane to Queens Park Rangers. Marc Nygaard gave the Hoops a sixth minute lead but the 1/2 lead 2-1 through Ade Akinbiyi on 21 and a Marc Bircham own goal eight minutes later. But 5/1 outsiders Rangers levelled through a Chris Morgan own goal after 54 minutes and completed an unlikely win when veteran Paul Furlong netted the third with 15 minutes left.

Watford edged closer to the second placed Blades with a late winner against Cardiff City. The 4/5 Hornets broke the deadlock after 69 minutes through Malky Mackay but Jeff Whitley levelled for the Bluebirds on 77. A Riccy Scimeca blunder allowed top goalscorer Marlon King to net the winner with two minutes left.

Gary Kelly became only the tenth player in Leeds� history to make 500 appearances for the club as 8/11 United sunk Luton Town at Elland Road. Two goals in four second half minutes from Jonathon Douglas and Eddie Lewis put Leeds in the driving seat before Steve Howard pulled one back with seven minutes remaining.

Crystal Palace hammered Norwich City 4-1 as they maintained their fifth placed penis enlargement pill position. Andrew Johnson and Ben Watson gave the 5/6 Eagles a half time lead before Clinton Morrison and Fitz Hall piled more misery on Nigel Worthington�s side. A Darren Ward own goal two minutes from time was the only consolation for the Canaries.

In the battle at the bottom, rock-bottom Crewe Alexandra ended a 17-match winless run against second-from-bottom Brighton & Hove Albion. Colin Kazim-Richards gave the visitors the lead after 11 minutes but the Alex came back through Lee Bell and Stephen Foster to win at 13/10 odds.

Stoke City dealt a major blow to Millwall�s survival hopes with a 2-1 win at the Britannia Stadium. Ben May gave the 3/1 Lions and unlikely lead after eight minutes but a Carl Hoefkens penalty seven minutes later restored parity. Paul Gallagher�s goal after 57 minutes ensured a home win at odds of 9/10.

How penis enlargement products To Teach review of penis enlargement products Aggressive Soccer Play

It is rough to win these if you are fearful of contact. The most hard squad might typically "win" most of the 50/50 balls and might generally gain the match. It is decisive that your defenseive players be rugged and not fearsome of full contact. If a player is cowardly of bodily contact, you might spare several goals if you play him or her at Fullback or Sweeper. Any player who is cowardly of full contact is at a disadvantage. Ideally, you desire to Teach your players to not only be brave and unafraid of bodily contact, but also to move fast and be strong about moving to the ball and to gain open balls. This is usually not easy to Instruct. A few children are by nature cautious and most young youngsters have been instructed that boisterous or aggressive play is bad because someone can get wounded. We are often asked how coaches can Instruct players to be more hard. We think that getting into the game and tough play are two of the most crucial affairs you can Instruct. Merely expressed, the players who get rough and play aggressively might have more gratification and enjoyment from playing than those who do not.

Now, we are not talking about encouraging dirty, unsafe or penile enlargement unfair play, we are only talking about supporting players to hustle, be dauntless and do their best. Some of my favorite Fullbacks were small players who lacked skill, speed or much athletic ability, but they were hard and dauntless and would not back down from anybody. The following are A select few ideas for your circumstance and Practice Games that Teach hustling and tough play:

Instruct your players that it is safe to be dauntless, rugged and strong. One of the virtually all significant affairs top enlargement products you can do is to promote your players and congratulate them While they are brave and hard. Try to do so in a confirming way, such as: "Way to get rough Mary!" or, "gain the ball Matt, you can do it!" or, "Way to battle for the ball Tommy!" One idea that Soccer Coaches have had skillful luck with is to generate honors for tough, fearless play. For example, ask several of the moms to cut stars out of gold, silver or red iron on fabric and supply them to the players who play rugged. The players can iron the stars on their jersey sleeves. Or even, supply out small-scale iron on soccer ball patches Or anything you conceive your players will like. almost players enjoy to pull in these sorts of benefits.

Premium Drill Games That Teach getting into the game, Tackling and hard Play:

about all Drill Games involve contention and pressure. In these regards, Practice session games model real "match" circumstances and promote players to get rough and perform soccer actions under pressure at "game fastness". There are many Premium drill Games that Instruct hustling, aggressive play and how to "dispossess" the "onball attacker" of the ball First, attempt the "Shoulder Tackle and Strength On The Ball match." Shoulder tackling" and "strength on the ball are two super important matters to Teach. This match will get your players used to full contact and Teach them how to tough contend for the bal). Then, try out "Attack and Defend Ball Tag", "Across and Back Ball Tag", "Dribble Past defenders ", "Double Dare Attack and Defend", Dribble and Tag and Reverse", and "Sharks & Minnows". Two other games that can teach your players to be aggressive are "Defend The Goal & Clear match" and "Corner Kick Simulation" These 2 also teach Some other useful matters.

We powerfully advocate teaching Coaching Rules. It teaches your players how to position themselves to defend and win the ball on your opponent's throw ins, goal kicks and punts.

We also powerfully advocate you play the "Dribble Across A Square game" three times to begin every drill and call for each player his or her grade at the end of each game. This might let you supervise each player's progress. This is the single best game you can play. I assure you that your players may develop striking dribbling skills and outstanding field vision and field consciousness if you play this match a lot. It is not the almost fun match, and your players can sound off a little, however it is worth it. As your players see that the match is causing them to improve, they may not sound off about it. You may see spectacular improvement after four or 5 drills. Being able to dribble and shield the ball is critical. Your players will have a lot more self-confidence and will play with more enthusiasm if they realize they can dribble and protect the ball. One of the peachy items about the "Dribble Across A Square match" is that it is self teaching and playing the match teaches players how to control dribble, fastness dribble, shield the ball and twist.

In short it just makes sense to teach aggressive play and your squad will thank you for it.

NFL review of penis enlargement products Playoffs: Chicago Bears Lost the Defensive penis enlargement products Edge

Coming into the matchup between the Panthers and Bears, everybody spoke of the mighty Bears defense. They had an amazing run this season by allowing fewer than double digit points penile enlargement per game at home this season. With a week off and the media attention hyping them up, they lost their defensive edge.

The Bears were definitely rusty and unprepared in this game. They had a week off to heal their wounds and to review video tape but the week off also took away their sharpness on the field. They were so successful defensively because they would be able to swarm to the ball in record time. Yesterday as Smith was running all over them, their ability to swarm to the ball was questionable.

The Panthers also did a great job at picking apart the Bears defense early. The Steelers did much of the same against the Colts by getting to them early. The rustiness of the team off of a bye will not last forever so the Panthers knew to pass the ball early hitting big top enlargement products plays and getting the early touchdown.

The Bears offense looked great this game and for people to question their offense would be a mistake. It is also a mistake for people to blame their defense for this loss because without them, they would not have been in the playoffs.

If anything, blame should be placed on Lovie Smith for not preparing his team for the speed and intensity of a real game. He also made very little defensive adjustments at half time to give his team a chance to win. There was also a very poor game plan heading into the game to defend Steve Smith.

Online Sportsbook Betting Advice on penis enlargement pills the Dallas Mavericks: Early 2005 penis enlargement review Season Analysis

Of the biggest NBA penis enlargement products clich�s to come out the last couple years is that Dallas can get to the NBA Finals if only they�d play a little defense. But to trade for defensive players they�d have to get rid of their offensive ones, and that has happened to a point. Daniels, Howard and Dampier play decent defense, but is it good enough to get Dallas anywhere other than semi-finals exit?

One thing that hasn�t changed is their offense. This is still a score-first heavy team, and is at the top-10 in scoring, assists and field goal%. Marquis Daniels and Josh Howard aren�t on the court to score, but they still contribute in areas that Finley and Keith Van Horn don�t. At 97.5 PPG, they haven�t reached the century mark yet but you can expect it soon. Injuries to Stackhouse and Terry haven�t hurt them as badly as we thought. Devin Harris and Darrell Armstrong have both done an excellent job replacing him, and Armstrong is one of the best PG defenders in the NBA.

Still, the biggest problem remains the same. They are 9th in Points Allowed, a huge improvement from some of the other Mavs teams in the past. Yet when the 4th quarter comes around, they have serious problems stopping people. They have the aggressiveness down, but Dallas is still weak in several positions. At Center, Dampier is off-and-on on both sides of the floor. Nowitzki is poor guarding people face-to-face, and commonly Daniels and Howard are injured.

While the Mavericks still score, it�s not without slight concern. Michael Finley and Steve Nash are gone, so Dirk Nowitzki needs to score big throughout the season. He�s done it so far with 26.0 PPG, but even he slows down once in awhile. Dirk�s shot attempts are often forced and still attempts too many 3-pointers for a Power review of penis enlargement products Forward. Dallas isn�t going to provide much support off the bench. DeSagna Diop, Devin Harris and Jerry Powell are getting playing time. It�s far too inexperienced to trump powerhouses like San Antonio.

When Stackhouse, Howard and Terry return their bench will be deeper and Dallas� scoring will go up. Avery Johnson expresses a defensive emphasis that Don Nelson never did, and it�s benefiting. Johnson is 30-7 since taking over and Dallas will need that kind record to take control of the division. The Spurs won�t relinquish the lead in this lifetime so it�s 4th place or worse for the Mavs.

So if I was you, I would not go rushing to my online sportsbook to bet on the Mavericks winning a title this year.

Scooby Doo, Where penis sizegenetics penis enlargement device enlargement with vigrx plus Are You?

Use this famous motto from the television cartoon at your Scooby Doo theme party. Someone was always asking the questions, so you can too! Make your first game a find the Scooby stuffed animal. Whoever finds him gets a prize!

To get guests to your Scooby party, send out Scooby or bone shaped invitations from the party store. They will also carry treat bags, wall decorations and party favors to give away for the games. Balloons, crepe paper, plates and cups are also made to match any Scooby motif you choose to follow.

All great Scooby Doo parties, whether they are birthday or not, need a Scooby shaped cake. Party supply stores have specialty cake pans in the shape of your favorite penis enlargement character. Matching candles, frosting and sprinkles can be found to adorn the cake or cupcakes for your party. Other foods to serve and follow your theme can be bone shaped sandwiches, �puppy chow,� or any food with a dog name.

Other games to play penis enlargement pill can be pin the Scooby snack in Scooby�s mouth. A Scooby pi�ata filled with all of your favorite candy is a fun way to celebrate too. If the guests attending are old enough and can read, create a �Scooby style� mystery and let them solve it. Using saran wrap and construction paper, have them make a magnifying glass to find clues to solve their mystery. Winner gets a whole box of Scooby snacks!

For quiet entertainment, watch a Scooby movie or television show. Find a giant stuffed or inflatable Scooby Doo character and take every guests picture with it. Send a copy with the thank you note or print it from the computer that day. Each guests will have a way to remember the great Scooby theme party they attended at your house. Save time to open the presents and eat cake too.

When penile enlargement a Digital top enlargement products Zoom is Needed

You�ve been told that you should disregard claims of large digital zoom ratios and have been warned that to usea digital zoom is to ruin the picture with visible artifacts and pixels. To a certain extent, these statements are true but they don�t tell the whole penis enlargement with vigrx plus story.

Digital cameras that feature an optical zoom and a digital zoom offer the option of using one or the other or even both together. An optical zoom lens of 28 to 200 mm may not be enough in some situations. This is where the digital zoom comes in handy.

Say you are at a football game and want to get a close up of your son in action. A 200mm lens setting would probably include three or four football players in the scene, making it difficult to recognize faces. A two times digital zoom makes the focal length 400 mm, cropping the scene into a two football player picture. A four X digital zoom setting will garner a head and shoulder close up of one football player.

At two X digital zoom, the number of pixels are cut in half but digital processing and interpolating between pixels will smooth out the image with very little loss in quality. If your digital camera starts out with 8MB of pixels, the final result of 4MB will still enlarge to over eight by ten size without losing quality. At four X digital zoom, the pixels are reduced to 2MB which will visibly degrade the image somewhat. This sacrifice in quality is often acceptable if you capture a fantastic shot of action.

Other subjects that would benefit from the use of the digital zoom are bird photography, wild animal photography, candid people shots and sport sizegenetics penis enlargement device events of all kinds. While most photographic images are covered with the normal optical zoom range, sometimes the digital zoom can save the day.

FA Cup Third penis enlargement review penis enlargement pills Round - Oppose Premiership Teams Away

The so-called "gulf" between teams from Premiership and those striving to join the elite from the Championship is often noted, especially when teams from their respective divisions clash in Cup competitions.

However, this "gulf" may be nothing more than a fallacy. When the third round of the FA Cup comes around, Championship teams rewarded with a home tie against Premiership opposition often make a mockery of their respective league positions.

Clashes of this nature have not occurred very often during the third round in recent years, although last season, eight matches fell into this category, with the "superior" Premiership teams winning just twice.

Preston @ 2.47 vs West Brom @ 2.56. Result: 0-2
Sunderland @ 2.20 vs Crystal Palace @ 2.86. Result: 2-1
Watford @ 3.11 vs Fulham @ 2.08. Result: 1-1
West Ham @ 2.32 vs Norwich @ 2.72. Result: 1-0
Sheff Utd @ 3.07 vs Aston Villa @ 2.12 Result: 3-1
Cardiff @ 3.45 vs Blackburn @ 1.95. Result: 1-1
Ipswich @ 2.48 vs Bolton @ 2.56. Result: 1-3
Burnley @ 5.69 vs Liverpool @ 1.53. Result: 1-0

If you had backed the home teams at level stakes of �10 you would have made a profit of �52.80. If you had used a betting exchange and laid the Premiership sides with a liability of �10 on each bet, you would have made a profit of �68.76 before commission costs as the draw results would have also resulted in winning bets.

The 2003/04 season produced only two eligible matches in the third round, both of which saw the Premiership sides fail to beat their lower division opposition at the first time of asking.

Watford @ 7.02 vs Chelsea @ 1.40. Result: 2-2
Gillingham @ 3.69 vs Charlton @ 1.86. Result: 3-2

If you had backed the home teams at level stakes of �10 you would have made a profit of �16.90. However, if you had laid the Premiership sides penis enlargement products with a liability of �10 on each bet you would have made a profit of �36.63 before commission.

There was only one eligible match in the 2002/03 season which pitted a Championship review of penis enlargement products side at home to Premiership opposition. Wolves beat even money shots Newcastle 3-2 at odds of 3.44.

Unusually, there are no all-Premiership ties in this season�s third round of the FA Cup, but eight Championship sides are hosting Premiership opposition:

Leicester @ 5.50 vs Tottenham @ 1.57
Hull @ 3.60 vs Aston Villa @ 1.90
Ipswich @ 3.20 vs Portsmouth @ 2.10
Luton @ 7.00 vs Liverpool @ 1.40
Millwall @ 4.00 vs Everton @ 1.80
Norwich @ 2.75 vs West Ham @ 2.30
Sheffield Wednesday @ 4.00 vs Charlton @ 1.80
Watford @ 3.40 vs Bolton @ 2.00

All bar one of the Championship sides are available at odds greater than 2/1, although it may prove a better option to lay the Premiership teams in case of drawn matches.