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If you were to write a youth book on how to play baseball, or a romance novel for adults, your “audience” would be easy to identify. In the first example, you would be writing for an age group between 7 and 11 years old; all readers would be interested in baseball; and would have, say, a beginner to intermediate level of ability and sophistication in the sport. In the second example, you could Google the demographics of who buys romance novels and get a pretty good idea of ​​who might buy your book. Audience identification is critical every time you write, and that’s the case when you’re also writing answers to law school essay exam questions.

When you write the answer to a law school essay exam question, your audience is fictional. Think of your audience (reader) as an informed attorney or colleague (law student) who is fairly familiar with the nature and purpose of law in general; who has read the fact pattern; and that he has a passing familiarity with the law of the subject (torts or contracts, for example), but needs to be reminded of the precise rules of the law. Then proceed as if you were explaining the situation to that person.

For example, that person would not need to read that hunting knives often have sharp edges, that if a person is the manager of a grocery store, it can be assumed that she is the person who should be in charge of the store, or that there is a difference between tortuous assault and criminal assault in that the latter is punishable by imprisonment.

Also, because the fictional reader has read the fact pattern, there is no need to repeat sections or sentences of the question. In other words, if the question includes: “When Mr. Slocum entered the airport he noticed the smell of something burning, and this immediately worried him”… then there is no need to include in your essay, “When Mr. Slocum He entered the airport and noticed the aroma of something burning, and this immediately worried him.” (Rather, it could refer to Slocum’s location, refer to the scent, or refer to Slocum’s concern, if they are key facts in his argument; there is no need to repeat what the reader just read in the question.)

Although every step of your legal analysis should be in the essay, it’s important not to waste your limited time explaining what your audience is expected to know.

Now let’s take a look at the “real” audience: your teacher. Always write with your teacher in mind. In general, the characteristics of an “A” response include: identification of all issues, significant attention to “gray areas”, incorporation of high-level argumentation techniques (example: using the “slippery slope” argument) , integration of legal principles and facts of the hypothetical with common sense notions, and political support for an adopted position.

However, teachers differ on what they consider “A” grade material. Therefore, it is very important to obtain not only the previous exam questions that your teacher has submitted, but also, if available, their quality sample answers. You should study these answers carefully, because there you will find what qualities your teacher rewards with high marks.

You should also discuss with your professors what they look for in test answers during office visits. You’ll also get a lot of this information during class, so be sure to put that in your notes! Do this with each of your teachers so you know what to expect on a real exam. Whatever you discover, that is what you must practice! Then incorporate your teachers’ suggestions into your practice test answers.

The audience matters everything you write…and the audience you write for when you write the answers to the law school essay exam questions is likely to be a determining factor in the grade you receive.

Some women like to look natural and some like to look glamorous. Some don’t know how to get one or the other out. This article describes ways to bring out your natural beauty with your makeup application, how you take special care of your body as part of your beauty routine, and what clothes are most likely to put you center stage.

get a glow

Use a body scrub to exfoliate all the dead skin on your body while you shower. When you get out of the shower, pat yourself dry and use a gradual faux tan lotion, like award-winning Jergen’s Natural Glow, to give your skin the warmth of a sun kiss.

Wear minimal makeup

Her natural beauty makeup kit consists solely of a liquid or mineral powder foundation, bronzer, pink blush, black or brown mascara, and a particular color of lipstick. The trick to choosing the right lipstick to enhance natural beauty is to match your nipple color as closely as possible. Once you’ve applied your “face,” smile and blush the apples of your cheeks. Suck in your cheeks and tan your cheekbones, the bridge of your nose slightly, and your temples and the middle of your forehead where the sun would naturally kiss. Curl your lashes with an eyelash curler and apply enough mascara to add contrast. Apply your “custom” lipstick and your makeup is complete!

Jennifer Love Hewitt once admitted in an interview that she liked to sit in a steamy bathtub after putting on makeup for a date. She set her makeup and gave her a healthy glow!

hair for special occasions

The best thing about bringing out your natural beauty is that it looks effortless, and sometimes it is. Although a hairstyle is not easy, it really brings out the color, texture, and body of your hair. If you can’t get this service done at the salon, you can google how to do it yourself at home with a hair dryer and your proper barrel piece and round brush.

Natural Nails

Consider supplementing your diet with essential vitamins and minerals. There are vitamins that are particularly useful for improving the health and elasticity of hair, skin, and nails, but you can also eat certain foods or drink a protein/nutrition shake to fill in any nutritional gaps. Scrub your hands with an exfoliating product or brush and soak them in milk to make them silky smooth. Manicure your nails and paint them with a strengthening clear top coat.

Wear clothes that complement your favorites

What are your favorite features? What features congratulate you the most? Write these characteristics down on a piece of paper and take the list to your closet where you will “buy” clothes that display these characteristics. Select some outfits with the pieces you have selected and keep this list in mind the next time you go shopping for clothes.

Teddy Bear (Shih Tzu x Bichon Frize)

The teddy bear is a hybrid dog that is the result of a few different designer dog breeds. They can be the result of the Shih Tzu and the Bichon Frize, the Shih Tzu and the Poodle, and the Bichon Frize and the Toy Poodle. In many cases, the Teddy Bear breed can be a mix of these three breeds.

Size

The size of teddy bears will vary, but generally the dog is quite small, weighing between 12-14 pounds and no larger than 12 inches.

coat and color

All color variations of the parent breeds are available from Teddy Bear. Since they are multiple mixed breeds, sometimes more than 2, they can come in so many different coat and color options, all depending on the parents.

Cleanliness

This breed is a minimal shedding dog that has a very soft, fluffy coat that is reminiscent of a stuffed animal. This breed of dog needs frequent grooming to prevent its coat from matting. They need to be brushed daily, and like all dogs, they also need basic grooming such as brushing their teeth and trimming their nails regularly.

Character and Temperament

He is a very people-oriented dog that is extremely polite and friendly. Your teddy bear’s temperament will depend on their upbringing, however, they are generally affectionate and very playful. They are also extremely outgoing and highly social and get along with everyone, especially children, other pets, and dogs. They can become very attached to their family and if they are left alone for too long they can develop separation anxiety.

Training

Each combination of the teddy bear’s parent breeds is extremely intelligent, which means they are also extremely intelligent and eager to learn. They are people-friendly dogs, so they are easy to train, as they learn commands and different tricks well. However, like other small dogs, they can often be difficult to house train. A consistent routine can help them with this.

activity level

The Teddy Bear is not a very active dog so he needs some kind of physical exercise either inside or outside to keep fit. They need regular play every day, but simple games and a daily walk will make a big difference in behavior and energy level.

A home equity line of credit (HELOC) goes by many different names, including home equity line, home equity, and sometimes second mortgages. These lines of credit may be in first, second, or other lien position. However, unlike a second mortgage, a HELOC is actually where a borrower receives a credit address instead of a cash payment. This brand of credit is available for the borrower to withdraw money when he needs additional cash. This is one way a homeowner uses the equity he has built up in his home over years of making monthly mortgage payments. Homeowners often use the money drawn from this credit edge for home repairs and renovations, debt consolidation, or a major purchase. Most lenders’ maximum on a home equity line of credit is 85 percent of the appraised value of the home or property with the amount the borrower owes on the first mortgage subtracted. The HELOC is very similar to a credit card in that it has a maximum amount of credit that the borrower can withdraw from when cash is needed.

A homeowner’s mortgage loan balance increases as they use their credit edge, but is different in that interest will accrue daily. These interest rates are adjustable and are usually tied to the prime rate, so if it goes up, the interest rate on the line of credit will also go up. In most states, the maximum that can be charged on a credit agreement for interest is eighteen percent. There are also some HELOCs that will allow the borrower to convert their loan to a fixed rate loan. The owner does not have to make any payments on the funds withdrawn from the credit column until he has used the maximum allowed.

All home equity lines of credit have a specific draw period in which the homeowner can use the money in the account. These periods are typically five to ten years in length. During this period of time, the homeowner only has to pay the interest on the line of credit. There is always a specific payback period which is usually ten to twenty years. There is a formula regarding repayment of the line of credit which is that the homeowner must repay the balance of the loan by taking the balance and dividing it by the number of months in the repayment period. Lender fees for a home equity loan agreement are generally very low, and some lenders charge no fee at all. This depends on the lender and the area you live in.

If the project is coded incorrectly, you often have to throw it away and start over. The cost of fixing all of these problems can be significant. Our experience with one of our customers inspires us to craft these detailed pitfalls to avoid the next time you embark on a similar project, regardless of whether you’re the developer or the customer.

These are some of the most common reasons that cause many web projects to fail.

Unclear definition of scope and requirements

Everyone is so eager to get going, but they don’t think about how everything is going to work and what will happen in different scenarios.

This is especially true when a company first brings its business online. Most customers think they know what they want, but the devil is in the details. I bet he’s met a lot of clients who, when pressed to detail their process, haven’t thought through all the ramifications.

Be sure to do a detailed planning exercise before you start building.

Lack of stakeholders

Management wants a new website to meet corporate goals and increase their ROI. So management doesn’t take the time to get involved when key decisions are made.

Big problems can arise when management tries out the Beta and finds out that it’s not what they initially wanted. Changes can be very costly in time and money if they are made at the end of a project instead of at the beginning.

Bite off more than you can chew

Be careful not to bite off more than you can chew. Rome was not built in a day. If you have a really complex project, build it in phases. You don’t have to publish everything on the web at once. There is nothing wrong with replacing existing websites after completing three or four phases.

Website design without purpose or function

You’ve probably seen some beautiful designs for new projects that just can’t be built or would be too expensive to build. It’s best to structure all functionality with the platform you’re using in mind before designing.

Then have the development team work with the designer, together creating something that is both beautiful and functional. Otherwise, you could end up with a Frankenstein site that is neither.

Don’t use version control

Today it is inconceivable to build new websites without some kind of source code control system. When developers create, support, and update source code files for a large application, coordination can be complex.

Source control systems record all file changes, with comments, in a project. Must have the ability to reverse functionality, merge work, and work offline. Proper source code control is vital to any project.

Lack of good project management

Website Project Manager

The Project Manager (PM) is the quarterback (or number 10) of the football team. The PM is responsible for the successful planning, execution, monitoring, control and closure of a project.

The PM must understand the needs of the customer and provide communication to and on behalf of the developers. Without a competent PM, the project will go off the rails and become a runaway train ending in disaster. A good PM will post weekly progress reports keeping everything on track.

Hack the kernel or source code

Hacking is changing the structure of the source code. When an unqualified developer doesn’t know how to do something, he tends to hack the code on websites to make it work. This causes a number of problems and greatly affects quality. If a developer fixes one problem and another arises, it can be the result of many hacks.

Doing so will make it nearly impossible for site updates due to security and bug fixes. It also makes it difficult to maintain the site for those who join later and could possibly leave a site vulnerable to vulnerabilities.

Scope Glide

The main job of a good PM is to keep things in order. As he progresses through development, it’s natural for him to come up with new ideas and things that he wants. He must realize that every time he makes a change, everything increases the time and cost of a project.

If a website is built and tested, you will need to test it again after the change. Some changes are beneficial, especially if they make the website better for users. But too much indecision and changes can derail a project. Scope Creep occurs when decision makers are not involved from the beginning or the project did not go through proper planning.

Lack of cohesive quality assurance

All projects have bugs, so it’s better to find the problems first instead of the users. Spend 20-25% of your development time doing proper QA. Make sure there is a complete quality control plan; otherwise, you could have a very troubled website.

Developers must think about quality from day one and be responsible for fixing their problems. Otherwise, things could get very sloppy.

I didn’t like the head coach, so I quit the football team my senior year in high school. The following fall (1965) I enrolled at the local community college in my hometown of Burlington, IA, primarily to avoid the draft and the inevitable trip to Vietnam if drafted. Back then, students attending the university were exempt from the draft.

In the fall of 1965, while attending Burlington Junior College, I met head basketball coach Ed Sparling, a very colorful man in his own right, and became one of his managing students. We had incredible athletic talent and a very successful basketball season. In the process, Coach Sparling and I became friends.

In the spring (1966), sometime after the basketball season was over, one of the players (Rick Lowery) mentioned to the coach that I had been a kicker on the local high school football team. Now, Coach Sparling took pride in making sure all of his players received scholarship offers after their playing days at Burlington. And, fortunately for me, he included one of his student administrators in his efforts to produce scholarships.

Coach Sparling writes a letter
Even though he had never seen me kick anything, Coach Sparling wrote a letter praising my spot-kicking ability and sent it to a dozen football coaches throughout the Midwest. I never saw the actual letter, but whatever it said, it was good enough to get the attention of Howard Fletcher, the head football coach at Northern Illinois University in the spring of 1966.

Coach Fletcher offers me a football scholarship.
Coach Fletcher responded by inviting me to visit the campus. My father and I drove to NIU. We spent an hour or so touring the campus with Coach Fletcher. Then, without ever asking me to kick a single soccer ball, he offered me a scholarship that covered tuition and books so I could play soccer at NIU. To say that he was excited beyond belief is an understatement. Would I drop out of my high school football team and suddenly be offered a college football scholarship? But this is just the beginning!

square toe shoe
In the aftermath of our visit, my dad, a bit of an innovator, took a pair of my old soccer shoes to the local shoe repair shop in downtown Burlington and asked the owner to invent a square toe on the forefoot. straight. shoe. Yes, back in 1966, soccer balls were still kicked with the ball of the foot instead of the instep, as soccer kickers are today. This increased the surface area and improved the odds of kicking the ball through the goal posts.

The first touchdown play from scrimmage
I practiced regularly all summer in my new square toe shoe and in the fall headed to NIU. After a couple of weeks of early practice, we had our first game. And I’m here to tell you that on the FIRST PLAY OF SCRIMMAGE, quarterback Mike Greisman backed up and threw a 75-yard touchdown pass to a little speedster named Jerry Sandberg. That said, the second play I witnessed as a member of the NIU soccer team was actually you kicking the extra point through the goal posts. It happened so fast that I didn’t have time to get nervous.

The touchdown scoring machine
That first move was an omen. As it turned out, Fletcher was a very offensive-minded coach and this team was indeed a touchdown scoring machine. That meant he had plenty of opportunities to score extra points. In fact, we scored so many touchdowns that we set school records for the most extra points in a season, as well as the most extra points in a single game. This was not because I was better than my predecessors. I just had a lot more chances to kick extra points. I was even named player of the week after the single game record that included an action photo was published in the Northern Star, the school newspaper.

A full sports scholarship
But despite all my good fortune, several weeks after the season ended, I was homesick and decided to tell Coach Fletcher that I would be returning to Burlington Junior College for the second semester. When I entered the stadium, I met the coach. And before I could give him my disappointing news, he informed me that he had just placed me on a FULL SPORTS SCHOLARSHIP! He would pay for everything for my university education from the second semester. I was speechless. Did I mention I would be quitting football my senior year in high school?

my luck is gone
In my junior year, NIU joined the Midwest Athletic Conference, a much higher level of football than we were used to the year before. Our touchdown scoring machine sizzled along with my own kick production. Actually, I barely remember that second (junior) season.

The summer before my senior year, I spent way too much time water skiing on the Mississippi River, which is right next to my hometown. Late in the summer I spilled and tore my right groin muscle. Needless to say, that inhibited my kicking ability. My last year was a complete failure. I didn’t play at all. It seemed that my luck was running out.

And then a phone call from the NFL
Then, in the spring of that year (1969), out of the blue, I received a phone call from a man who informed me that he was a scout for the Atlanta Falcons of the National Football League. He said that he had heard that he was interested in an NFL tryout. I never knew for sure, but this call must have been a result of Coach Sparling still supporting me from the shadows.

Regardless, he hadn’t touched a soccer ball in months. And my senior season had been a complete and utter failure. But I said yes, I’m interested in trying out for the NFL. When do you want to meet? He said that he was in town as we spoke and asked when he could get to the stadium. I told him I’d be there in about 30 minutes.

The wonderful winds of DeKalb
I arrived at the stadium only to find that there was a strong wind blowing from east to west. Sitting amidst miles and miles of extremely flat cornfields, DeKalb was famous for being windy almost all the time. I put on my square toe shoe and proceeded to kick soccer balls… into the wind. I went from 30 yards to 40 yards to 50 yards, and more, hitting each kick like a well-oiled machine. I mean, realistically, all I had to do was kick the ball up in the air, and with the help of this wind tunnel, the ball traveled long and straight and straight through the goal posts over and over. time. Speaking of being lucky! You can’t make these things up.

The Atlanta Falcons contract
The scout clocked every kick, and a week later I received an email containing a standard Atlanta Falcons player contract signed by coach Norm Van Brocklin, who at the time was already a member of the NFL Hall of Fame since his inception. quarterback position. days with the Los Angles Rams and Philadelphia Eagles.

For whatever reason, Coach Van Brocklin wasn’t happy with his current kicker, a guy named Bobby Etter from the University of Georgia and a math doctoral student at the University of Kentucky at the time. There were three kickers vying for the job. I lasted a couple of weeks before I was cut off by Van Brocklin, who was very kind in explaining my release. I knew that Bobby Etter was the best kicker.

Fifty odd years later
To put the finishing touch to this unlikely tale of good fortune, I recently (more than 50 years after the fact) corresponded with a friend from high school named Bob McLaury, who just happened to be the headliner for me when we practiced kicking extra points. year in high school. Someone took a picture of Bob holding me and pretending (we were actually posing for the camera) kicking the soccer ball and published it in the school yearbook in the spring of 1964, my junior year. That photo had to have been the source of Rick Lowery’s comments to Coach Sparling. Lowery was a year older than me, and he had no other way of knowing that he had ever kicked a football for anyone.

In that conversation with McLaury, I asked him if he remembered us ever kicking extra points or field goals in a real game. I’m sure we had practiced kicking. But he didn’t remember kicking anything in a game. McLaury confirmed that he didn’t remember us doing anything like that. So chances are a simple photo in a high school yearbook prompted Rick Lowery to tell Coach Sparling that he had been a placekicker in high school. This despite the fact that he’s probably never even kicked an extra point in a real high school football game. That conversation prompted Sparling’s letter and everything else that followed.

A seemingly inconsequential conversation
It’s interesting to think how someone seemingly inconsequential, off the cuff, from a basketball player to their coach, could change the direction of someone else’s life so completely and totally. If it hadn’t been for that little conversation, I most likely would never have heard of Northern Illinois University, let alone had the opportunity to play college football, set school records that lasted more than a decade, receive a full athletic scholarship (ironically, I was never really much of an athlete), had some contact with the NFL, met my beautiful and talented future wife, had two unspeakable children that my wife and I are incredibly proud of, etc., etc. ., etc.

Yes, you can call me Mr. Lucky!
And this football story is just one example in which I have had much more than a little luck throughout my life. It is the most dramatic. But it is far from being the only story that could be told along the same lines. There are many, many more, but I won’t bore you with them right now. Suffice it to say that I have never once complained about being lucky. I’ve had much more than my share of good luck. You can call me Mr. Lucky!

Located on the tip of Captiva Island in Southwest Florida, the South Seas Island Resort has easily withstood hurricanes, an influx of tourists, and a recent renovation to preserve its well-earned reputation as an exclusive island destination.

The 330-acre complex is the former site of a copra and lime plantation started by Clarence Chadwick, an itinerant farmer and inventor. By 1924, Chadwick owned 400 acres on the north end of Captiva and built several houses as lodging for his workers. At one time, his plantation was the largest producer of limes in the world. In 1930, Chadwick grew tired of the business and worked with his wife and his brother to turn the settlement of workers’ cabins into a viable resort. Today, many of its towering coconut palms still stand, framing the resort and providing a lush, tropical welcome to visitors. Accommodations are spread throughout the grounds in low-rise buildings featuring hotel rooms, 1-, 2-, and 3-bedroom suites, and private homes. Because the resort occupies the entire north end of Captiva, a free trolley travels back and forth through the mangrove forests that dot the property, as well as into town at designated times.

The 2 1/2 miles of sugary beach, steps from the homes and condos within the resort, is the defining feature of South Seas. Strolling along the shell-strewn beach is a peaceful escape for even the most weary of travelers. The beach was renovated after the devastation of Hurricane Charlie in 2005. In fact, the entire complex recently underwent a $140 million renovation. Rooms, from standard hotel rooms to beach villas and one, two and three-bedroom private homes, have been recently decorated in a West Indian style with bamboo and teak furnishings, plush bedding and spacious bathrooms. The pool area now features two new lagoon pools with a cabana complex and large sundeck, fountains, and hot tub/spa. The resort includes 18 outdoor heated pools in total, spread across the various accommodation villages, as well as the Beach Villas.

Manatees are a common sight frolicking near the elegant marina facing the South Seas. The yacht harbor serves as a launching point for scenic day cruises to Cabbage Key and Useppa, as well as shelling, dolphin-watching, and other boat excursions. Boating enthusiasts can reach the resort by water, as the marina accommodates boats up to 120 feet.

Perhaps the best kept secret in the South Seas is its superb tennis facilities. Services include daily clinics for all levels, individual private lessons with an accomplished professional, endurance workshops, and clinics that provide instruction on how to play doubles. The complex has 19 courts in all, four of which are lit for night play. The carefully designed golf course completes the country club experience, yet retains the secluded and tranquil feel of the island. A recent New York Times travel and leisure article called the South Seas Golf Course “one of the most scenic 9-hole golf courses” in the world. After a vigorous round of golf, guests can dine at one of three on-site restaurants, including room service delivered to the condos, or take advantage of the many offerings in town and on nearby Sanibel.

While South Seas has always catered to families, its recent update included an expansion of its children’s programs and facilities. The kids’ club theme parties and other educational camps are divided into programs for teenagers and children from 4 to 12 years old. Past programs have included seashell walks, water games, pirate hunts, and kayaking programs, among others.

While Captiva is famous for its beaches and shelling, its unspoiled wildlife has provided lasting comfort to a number of visitors. Anne Morrow Lindbergh wrote her famous “Gifts from the Sea” while she was vacationing in Captiva. Captiva is one of the few remaining regions where rare birds such as the osprey, bald eagle, and blue heron can be seen in their natural habitat. The nearby wildlife refuge is home to more than 300 species of birds, 50 species of reptiles and amphibians, and more than 30 types of animals—species that a visitor might not normally see in such an intimate setting. Miles of winding bike paths and jogging trails allow visitors to experience Captiva’s natural beauty at a languid pace.

While many delighted guests have described South Seas as seemingly “the end of the world,” the newly redesigned resort has retained its status as an unspoiled paradise while offering new levels of amenities and services for families of all ages.

Getting a girlfriend for many guys can be a difficult task. They have to join tons of online dating sites, use social media, join a cooking class in hopes of finding the perfect girlfriend. Yes, these are some of the things you can do to find yourself a girlfriend. Or you can follow what I teach in this article and get the girl of your dreams. Here I teach you how to get a girlfriend using 3 safe steps.

What I teach you in this article will help you avoid the mistakes that most men who want to have a girlfriend and get married make: settle for what life throws at you.

In other words, as dating expert Joseph Matthews says in his book, The Art of Approaching: “You settle for what you’re lucky enough to get”.

The most important thing to know about getting a girlfriend is that it’s not so much about “getting a girlfriend,” so to speak. Rather, it’s about the steps to take to get THE perfect girlfriend.

When set up correctly, you are sure to get the girl of your dreams. But when you plan wrong, as most men who wanted to find a wife do, you will end up with the wrong girl.

So how do you get a girlfriend or how do you find a girlfriend then?

Easy…

Follow these three important steps:

1. Know the type of girl you want

2. know where to find it

3. Work on your self-confidence and then go out and find it

When you jump into the dating scene by following these three surefire steps, you’re sure to meet the girl of your dreams.

Now, let’s go into detail.

How to get a girlfriend using the 3 safe steps

Step #1: Know what you want

Before you jump into the dating scene and get a girlfriend, know the type of girl you want.

Do you want a very educated girl?

Do you want a girl who enjoys outdoor activities like you?

Do you want a skinny girl or a chubby girl?

Do you want a blonde, brunette or redhead?

Do you want to get a white, asian, black, brown-skinned girlfriend girl?

Know the kind of girl you want and don’t settle for the one you’re lucky enough to get.

Why is this important?

Easy…

Because you don’t want to end up with the wrong girl, or a girl you have nothing in common with.

Knowing the type of girl you want will help you stay focused on the steps you need to take to find her.

When you start looking for a girlfriend with the tips and steps described here, you will meet many single girls. And this could inadvertently be a hindrance.

But when you are focused, you will be able to eliminate any obstacles or distractions that prevent you from meeting the girl of your dreams.

Now understand this… although you will meet many attractive single girls and have great conversations with them, save your seduction techniques and tactics for the girl you want. And make him fall in love with you.

To the next step on how to get a girlfriend…

Always be clear about what you want and do not settle for what you are lucky enough to get

Step #2: Know where to find the type of girl you want

The next step after knowing the type of girl you want is knowing where to find her.

Now, why is this second step important?

Because it narrows your search.

To borrow a phrase from dating expert Joseph Matthews, “different places attract different types of women”.

So if you want a girl who likes to party, you know you’ll find her in a nightclub. If you want the religious type, then you know you’ll find her at church events.

There are tons of places to meet women and find yourself a girlfriend. Museums, the gym, bookstores, libraries are good places to find a girlfriend.

But the easiest way to get the girlfriend of your dreams is to know the right place to meet her.

Again, if you want a girl who likes to party, you will find her in a nightclub. If you want the religious type, you’ll find her at church events.

Now, I’m not saying that you can’t meet your ideal girl in other places that don’t fit her personality.

For example, if you want a religious girl, it doesn’t mean you can’t find her in a nightclub.

May…

But your chances of meeting a religious girl in a nightclub are slim to none.

So if you want to meet a particular type of girl, you have to go to places DESIGNED to help you meet that particular type of girl.

This is the way to get a girlfriend quickly and easily: without wasting time in places where it is not necessary to be.

The third and final step on how to get a girlfriend…

Step #3: Work on your self-confidence and then go out and find it

You know what you want. And you have what it takes (even if you think you don’t, you do)… so don’t doubt yourself.

He thinks you’re an attractive guy. And every girl or woman will be interested in you.

Believe you have what it takes to make a woman happy. And that every girl or woman will be lucky to have you.

Once you work on your self-confidence, you go out and find the girl of your dreams.

So there you have it: how to get the girl you want or how to have the girlfriend of your dreams.

conclusion

Finding the girlfriend of your dreams shouldn’t be difficult.

Follow the three steps mentioned above and you are sure to get the perfect girl you always wanted.

This is how to get a girlfriend fast and easy.

What are the best ways to find the best mutual funds? What are the criteria for the best funds that I should look for? Which fund categories or fund families are the best? These are the most important questions when trying to find the best bond or growth fund. Some of the best sites for mutual fund research are: Morningstar (easily the most famous), others are magazine type websites like money magazine, silly motley, etc. As for what really makes a great background?

Expense ratio (which is the ratio of what they charge to manage the fund compared to the total amount invested), a long history of success, and most importantly (in my opinion), how well it has done! to the bottom in bad times! For example, in the incredibly disastrous year of 2008, if a fund lost no more than 10% or stayed the same (regardless of whether that fund was a growth fund or a bond fund), then this fund should be considered a fund.” for all weather.” “, because the year 2008 is the litmus test for mutual funds of all time, or as they now call it, a “Generational Low” in the stock market.

Some analysts and financial experts have been saying that investing in mutual funds is for the birds, a fool’s bet. I totally disagree. I think all investors should have a portion of their portfolio in bond and growth mutual funds, and a separate portion of their portfolio in a very low priced discount broker with the best commissions. That way, if you’re wrong at one end of your portfolio, you might be right at the other.

Diversification is the key; It always has been and always will be. In the horrible years 2000-2002, not being diversified in your portfolio and too invested in technology funds would have meant huge losses. Starting in March 2000 the stock market started to go down and it didn’t stop going down until October 2002. At that time, the NASDAQ dropped from 5200 to 1100 and the Dow dropped from 11,700 to 7200! Not being diversified with those kinds of losses could have spelled the end of his career as an investor. And the year 2008 has taught us all that history DEFINITELY repeats itself. IMHO, one of the worst mistakes you can make when investing in mutual funds is paying an initial or final fee. The number one rule for buying a mutual fund is to never pay an initial or final fee. Also remember to rebalance your portfolio every few months.

Whether interest rates are high or low or it’s the end of a model year with lots of incentives, motorcycle buyers tend to make the same mistakes when looking for a motorcycle loan. Here are four common mistakes motorcycle buyers make with motorcycle loans.

Buy a motorcycle before buying a motorcycle loan.

Many motorcycle buyers walk into the showroom looking for a motorcycle before determining how much money a motorcycle lender is willing to lend them toward a motorcycle purchase. There is no need to buy a $20,000 Harley Davidson motorcycle if the lender is only willing to make a $10,000 loan.

Additionally, once motorcycle buyers enter the showroom, savvy salespeople often pressure them into motorcycle loans at much higher internet rates than they could have gotten if they had purchased a motorcycle loan at a dealership. bank, credit union or online. Sellers don’t like it when motorcycle buyers leave the dealership to get a motorcycle loan. In the sellers’ mind, this only increases the chance of losing a sale and a commission. Therefore, sellers frequently attempt a quick sale which typically results in pressuring motorcycle buyers to obtain motorcycle financing at the dealership.

The bottom line is that it’s always best to shop around for a motorcycle loan before you hit the showroom.

Dive into the unknown motorcycle loan.

Motorcycle buyers often jump into motorcycle loans that they don’t fully understand or that may not be the best fit for them. For example, in today’s era, manufacturers often run credit card motorcycle loan promotions on their private label credit cards. But these promotions usually offer a low interest rate for a short period like 12 or 24 months and have a much higher interest rate after the short promotional period. In a credit card promotion, if motorcycle buyers cannot repay the loan during the short promotion period, then it is usually best to find a lender that offers a longer-term installment motorcycle loan.

Borrow too much.

The most common mistake a first-time motorcycle buyer makes is not having a clear idea of ​​how much motorcycle they can afford. This is especially true for young motorcycle buyers looking to buy the best sports bikes that cost between $10,000 and $15,000. What they don’t realize is that financing a $10,000 – $15,000 motorcycle can cause them to become overly stressed, leaving them short on cash to enjoy themselves and the motorcycle lifestyle. They may also have very little cash to pay for insurance, maintenance, registration, or new accessories for their motorcycle.

Not asking the right questions.

The first warning sign motorcycle buyers should see is that if they don’t understand the type of motorcycle loan, then they should be sure to ask lots of questions.

Here are some good questions to ask:

o Is the interest rate fixed or variable? If it is fixed, how long will it be fixed?

o Are there circumstances that may cause the motorcycle loan interest rate to change in the future?

o What happens if a payment is 30 days late? Does the interest rate increase?

o What happens if a payment is 60 days late? Does the interest rate increase?

o What is the term of the motorcycle loan?

o If the loan is in installments, do you use the rule of 78 or simple interest? (Simple interest is always better because it doesn’t penalize the motorcycle buyer if the loan is paid off early.)

o What is the down payment requirement to get the motorcycle loan?

o Is full coverage insurance required?

o How much does registration cost and are these costs included in the motorcycle loan?

o Are there administrative fees to obtain the motorcycle loan and, if so, how much are the fees?

In general, motorcycle buyers can avoid these common mistakes by spending a little more time shopping for a motorcycle loan and asking lots of questions.