Scrapbooking Ideas – Creating Scrapbook Presents

One known fact about Christmas is that it’s a season for sharing and giving – thus the concept of presents. While you can take the easy road out and cut “gift” images from magazines or patterned papers and wrappers, you can also take the creative way – making a present for your scrapbook. Aside from décor, these presents can also be used as a peek-a-boo for photos and hidden messages, giving your scrapbook a fun and exquisite side.

Scrapbooking ideas such as presents on a layout create a unique look for any scrapbook. To make these presents, you’ll need cardstock, glue, punchers, scissors, kaleidoscopic thin ribbons and a wide array of small embellishments such as sequins, brads and stickers.

First of all, you need to cut the cardstock to the size of the present. Make sure to leave a small, but adequate fold on the side if you plan to create a hinge opening for your present. Create the wrapper by pasting sequins, small stickers and punched designs onto the cardstock. Draw little words if you’d like an almost-wrapper look-alike.

Secondly, snip thin and even pairs of ribbon that will fit the size of the present you’d like to make. Cross the ribbon over each other on top of the cardstock. With a small strip of ribbon, curve your own ribbon for a final ribbon finish and place above the first crossed pair.

Last, glue the fold of the cardstock onto the back of the photo. Then glue the photo and the fold onto the background. If you’re more patient, you can create two halves of a present and have the opening in the middle.

Golf Cart – Past Present and Future

Golf, a poplar sport played by many people around the world. Golf over the years has taken off and is now a popular sport for all. Although golf is very much about the game, it is also about how you present yourself on the golf course, what you wear, how you act and what you say. Golfers such as John Daly and Ian Poulter have really brought fashion to the golf course and highlighted what is means to look good (and different) on the course.

The golf buggy was first introduced in the 1950s to ease the burden of carrying heaving golf equipment around miles of the golf course.The first golf buggies were battery powered, with petrol powered ones introduced in the 1970s. Golf vehicles can vary in size from 2 seaters up to 6 seater. Generally speaking, they travel under 15 miles per hour. Like golf apparel, golf vehicles are now an essential item for the serious golfer. Golf carts have morphed into a fashion statement, and a reflection of your status and wealth. Long gone are the days of the humble two seater battery powered golf caddy, used to transport your clubs and balls. Let the battle of the golf cart begin…

You can pay anything up £10,000 for a golf cart, although the average spend is closer to £2,000. As with most things, there is, of course, the extreme; A $62,000 (£39,365) golf cart – the Garia LSV. Not for the everyday golf player, the Garia LSV is equipped with seatbelts, side mirrors, hydraulic brakes and an electric motor which is capable speeds up to 25 mph. This luxury golf cart has all the safety features necessary to allow it to be classified as a roadworthy low-speed vehicle. The LSV can also be equipped with such amenities as hand-stitched seats, digital instrumentation layout, a stereo and a dashboard refrigerator, dependent on personal taste. (most-expensive.net). The LSV is not something which many of us will be able to afford, but it certainly is the Tiger Woods of golf carts.

As well as extremities in price, the look of a golf vehicle can be altered or ‘souped up’ to reflect the owners personality just like any other vehicle. The customer can specify individual colours and finishes and add ons. There’s also the possibility of adding some low-profile wheels and tyres. The only limitation is your budget.

It is clear to see that, golf clothes are no longer the only outlet for showing your personality and flare on the golf course. (Although I don’t think anyone will ever forget those Union Jack trousers worn by Ian Poulter at the 2004 British Open). Golf carts are becoming more of a fashion statement and less of a golfing aid.

Debt Negotiation Advice – When to Use Professionals to Negotiate Debt Settlements

Debt Negotiation can be defined as the procedure of working with creditors and debt collectors to lower your total debt load. It is a very powerful technique for those who have previously performed debt consolidation but are struggling to make payments. Negotiation should be saved as an option of last resort to pay off debts. If you have a small amount of debt, there are more effective tools you should use to manage or eliminate your debt. Since negotiation will drastically lower your credit rating, it should be employed only when you have no alternatives for repaying a large amount of debt. A person in debt can attempt negotiation on his own or use professionals that can work with creditors to drastically lower the total amount of debt due.

If you have had disputes with your creditors or if you are not a strong negotiator, then you should consider hiring a professional debt settlement negotiator. They possess the wherewithal, experience, and expertise needed to get you the best possible deal to repay your debt. The top companies can lower your debt by 60 % and the time it takes to become debt free by up to 70%. They can also lower your interest rate and penalty fees. If you have enough cash to repay 40-60% of your debt this is the most cost-effective option you have. Once you enter into a negotiation you should discontinue making payments and begin setting that money aside to make a lump sum payment.

A professional debt negotiator can negotiate your debt settlement since he has access to individuals at your creditors with the authority to lower your debt. You will receive a better settlement by working with a professional opposed to doing it yourself; professionals understand the process of negotiating with creditors to lower your debt. They know the tactics and how to work within constraints; they can lower your likelihood of your creditors suing you.

It is imperative to compare insurance quotes before choosing an insurance policy. When you compare quotes you are guaranteed to save time and money because you will undoubtedly find the lowest possible quote.

With the ongoing recession it has never been more vital to value your money and compare insurance quotes on the internet. A good starting point is a website that lets you compare insurance quotes online at no cost.