With the gazillion times that sms text messaging has been our life saver against scenarios we do not want to be placed in and against having people angry at us, it is not unexpected that a list of all the lines and excuses we use would sprout out somewhere.

How many times have we been in awkward silence and company and pretended to be texting so that we would not carry the burden of having to start a conversation? It is the out of classroom counterpart of pretending to take down notes in hopes of escaping the eye of the teacher that is egging you on to recite. No one can blame anyone for doing this. It is less uncomfortable to stare at your mobile phone and re-read texts saved in your phone rather than stare in silence at the people with you. To check if someone is doing this to you, keep an eye if he or she is interchanging texting and reading a text that arrived.

This is often signaled by the phone vibrating or glowing. If he or she is just texting nonstop, he or she is probably looking for someone to text with or not really texting.

How many times have we needed to tell someone something but can’t so we just text it to them? The thing is, sms text messaging makes lying easier because the recipient cannot hear the hesitation in the voice nor see the fear in the face and the screen is too small, you do not have to tell a full story. Obviously, when you are with people excitedly planning another get-together, you cannot kill the joy and announce you cannot make time so you pretend to go with it. When you are away from the crowd is the time you take your opportunity. All it takes would be a simple, “I am sorry, I cannot make it. I suddenly fell sick”.

How many times have we hidden behind the fact that sms messaging is not entirely reliable? Sometimes, it is in the event that you forgot to invite or inform someone. The normal excuse would be to say with a face filled with bewilderment and confident, “Really, but I texted you. I wonder why you did not receive it.” The excuse that puts a little responsibility to yourself is to say “I am sorry. I sent the message to everyone in my phone book group. You did not notice that you weren’t there yet.” Sometimes, it is in the event that you did not know what to and how to reply. The common lines delivered would be to either say “Sorry, I left my phone unattended. I did not see your text till late” or “I swear I did not get a text from you”.   

Truly, technology has once again corrupted our morals and given us a new way to be evil to people around us. Then again, one would doubt that there are still people who would fall for these techniques and strategies. But then, sometimes they just might be the truth.

If you like coffee and the many ways you can enjoy it, then tassimo coffee is for you. It is not a what; it’s more of a system. A ingenious system that combines a world-class coffee machine with disc like coffee inserts. Let examine the coffee machine a little closer to see some of the features.

This is not just your normal drip coffee makers. The machine happens to be a multi tasked machine that can make a number of different kinds of hot drinks. The machine definitely makes some of the most basic hot drinks like a simple hot cup and a simple cup of tea. But, have you seen a machine on the market that can also makes real milk-based latte & cappuccinos, cafe crema, hot chocolate, a little something for everyone in the family. The tassimo also brews one cup at a time. As to also provide a fresh brewed cup at every sitting. This is the only way to truly get a exceptional cup of coffee.

Lets take a look at the Tassimo coffee disc.

The discs are special because each disc has a pre-measured serving for each cup. Have you ever poured to much in a coffee machine and as soon as you had your first sip you almost had to go to the bathroom and rinse your mouth out to get the bitter taste out of your mouth. Well, with this system you will never have to go through that. Those discs are made especially to always deliver a perfect taste sensation with every cup. The disc comes in many of the top brands on the market. So as to never come up with an excuse that there is not a brand that you would not like.

The Tassimo coffee system to made for anyone that is truly looking for a ease of use system that delivers a great user experience.

Urban sprawl never used to be an issue. Even though the latest development might be miles from where you work or the nearest shops, this was never a problem. Most families owned two vehicles. Some three or more. No-one walked. Everyone just jumped in the nearest vehicle and off they went without a second thought until the price of gas rocketed up. Now we have the credit crunch and a recession just bottoming out. Car ownership has become an expensive proposition. Too expensive for some who have been reborn as a one-car family to cut their losses. The first step in crisis management is to find out which of your vehicles is the cheapest make and model to insure. Now balance that against the likely costs of maintenance and repair over the next twelve months. And which will sell for the highest price? When you know which vehicle you are keeping, maximize the number of discounts on the policy, including bundling auto and home together with the same insurer. Except, one vehicle for a busy family may not be practical. What are the options?

Many families talk to their neighbors and work out a carpool. This is reasonably easy to organize for routine journeys. But there is one slight problem. If you are going to carry passengers, you should have insurance to pay their medical costs should they be injured in an accident. It is not safe to drive your neighbors around on the state’s minimum liability cover. Then we come to the always difficult question of sharing the costs of the gas. If the passengers always pay something towards the cost of the journey, many insurers treat this as a business arrangement and require the vehicle owner to take out a commercial policy as a taxi. Needless to say, this turns a friendly social service into an expensive excuse to argue with your neighbors over prices. Of course, you could all agree to lie about the arrangement. But the stories can change rapidly if everyone ends up in a hospital and big bills are presented.

The second option is the new rental plans which site vehicles for rent by the hour in local garages. You book what you want over the internet, travel to the garage for the pick-up and drop it off at the same garage when your time is up. The cost per hour on the standard plans are attractive and, assuming you do not want a vehicle more than an average of one hour every day, you will save money on car ownership. But you do need to look carefully at the insurance offered in the standard plans. Some have poor cover of medical expenses for you as the driver and passengers. Others do not include the loss of use charge if the vehicle is off the road being repaired. Always read the small print. Summing up, finding insurance for a single vehicle means getting multiple auto insurance quotes and finding the one that works for you. If you are going to use your car to drive neighbors around, you also need to get auto insurance quotes to cover the additional liabilities. If you use one of the new rental plans, consider paying extra for LDW which gives more comprehensive protection against loss.

Many investors just jump right in and then they make mistake after mistake costing them a ton of money. If you know what these mistakes are and you avoid them you will be way ahead of the game. This is why I decided to post Jim Cramer’s list of the 5 worst investment mistakes.

1. Buy and Hold isn’t a Strategy

The single worst and widespread mistake out there is Buy and Hold. Buy and hold is a thing of the past. Buy and hold isn’t a strategy, it gives you a false sense of security. When you buy and hold you think “my work here is done”, it’s an excuse to be lazy. It needs to be “Buy and Homework”. Listen in on conference calls. Check for Management confidence. You should be spending at least an hour a week studying, per stock.

2. Shoulda, Woulda, Coulda

If only I bought this or that. Don’t dwell on missed opportunities or bad mistakes. When you can’t get over your mistakes it becomes counter productive. Being an Investor is emotionally brutal. You have to be tough minded. Focus your time on making good decisions in the present. Learn from your past then move on. It is our nature to regret mistakes, but overdoing it won’t get you anywhere. Don’t let it throw you off your game. This is what really separates the good investors from the bad

3. Tips are for waiters. Not for Traders

You can get great stock tips. These are the ones from insiders who actually know company’s future moves. These types of tips are illegal. The other types of tips are usually from someone who has an agenda. If someone wants to give you a stock tip it should send up a red flag. That being said there is a difference between a “stock tip” and a company that does the homework for you and gives you recommendations.

4. Lack of Diversification

Diversify. Diversify. Diversify. Don’t keep your entire portfolio in one sector. You should not have more than 20%, even in a very hot sector. Remember the tech bubble. Enough said.

5. Buying your whole position at once

Sometimes you are your own worst enemy. In these times you need rules to suppress your instincts. Arrogance is a sin that will cost you a lot of money. Buying your whole position in a stock at one time is the most arrogant thing one can do. When you buy your whole position at once you are saying “this stock is not going any lower from this point on.” That is arrogance. Build a position over time, not all at once. Patiently wait for good entry points. It’s hard to time stock perfectly…Yet another reason to buy slowly.

Good Luck and Good Investing!

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