http://credit-report.zersal.com/2008/08/19/why-your-credit-score-is-important/

Your credit score can either haunt you or reward you. It all depends on how you handle your credit and payment activities. Your credit score determines what interest rates you will pay and if you are even approved for a loan or a credit card at all. In addition, your credit score can play a factor in renting your next apartment or getting hired from a potential employer... [Read more]

http://autoloans.zersal.com/2008/08/19/auto-loan-calculators/

If you plan to shop for a new car anytime soon, it may be a good idea to find out how much you can afford before visiting the lots. This will help you reduce the amount of time that you spend test-driving and talking to car dealers. With the use of auto loan calculators and the Internet, you can arrive at the car lot with the specific vehicle that you want in mind... [Read more]

http://watch.zersal.com/2008/08/19/hurricane-new-orleans/

Hurricane New Orleans the disaster everyone worried about and even planned for came true with Hurricane Katrina. The authorities thought they had planned for it, even had a strategic Disaster Plan in place called “Hurricane Pam” plan and everyone planned for the worst after the Center hurricane national Miami Center showed how Hurricane Katrina only a Category one at the time exhibited similarities to the Camille Hurricane... [Read more]

http://statement.zersal.com/2008/08/19/credit-card-bills-read-them-carefully/

Many people fail to read the fine print when applying for credit cards. Even after they are approved, many people also fail to carefully read their statements. This could lead to disaster, as many credit card companies put clauses in the contracts which allow them to raise your interest rate for many different reasons. The fine print on a credit card document can be hard to read and tedious, and it is no accident that it was designed this way. Credit card companies make billions off the ignorance of their customers... [Read more]

http://shopping.zersal.com/2008/08/19/how-to-find-that-perfect-gift/

To present your dear one something that he/she will cherish is a toughest task. We keep on pondering what should be the present given on anniversaries or birthdays that would create long lasting impression and would become memorable. Normally we keep on looking lot many things but are not exactly convinced what would be the perfect gift... [Read more]

http://mission.zersal.com/2008/08/19/kick-the-habit/

Habits have a bad rap. Most people think that habits either “should” be gotten or “should” be eliminated. Yet, in reality, habits are simply behaviors that show how we operate internally and externally... [Read more]

http://luxury.zersal.com/2008/08/19/sydneys-diverse-fine-dining-options/

The broad scope of Sydney’s restaurants, pubs and cafes is a mirror reflection of the city’s status as a melting pot of cultural diversity. As one pundit put it, the choices are so wide and culturally varied that they read like an atlas. They range from local Australian cuisine to Italian, European, Asian, Japanese, Mediterranean and more... [Read more]

http://leader.zersal.com/2008/08/19/top-ten-breakthrough-behaviors-for-excellence/

1. Be Courageous. Flex your risk muscle and step out of your comfort zone - everyday. Nothing extraordinary will happen without courage... [Read more]

http://gift.zersal.com/2008/08/19/unusual-romantic-gifts/

Everyone likes to be unique and be treated uniquely. In a romantic relationship, the need to be unique and to come across to ones partners as that “special, one of a kind” person is very important. Unique romantic gifts cater to this inherent need in all of us... [Read more]

http://brainstorming.zersal.com/2008/08/19/playing-in-business-lets-do-more/

Does this mean that we can all regress into childhood and that making mistakes or behaving foolishly does not matter? Of course not. What we mean in this context is that a certain degree of chaos, learning from mistakes and not playing by the rules is acceptable. But why ‘play’ and not ‘explore’? Adult creativity is closer to childhood play than you might think and also ‘exploration’ still uses our adult rules with built in mindsets... [Read more]

http://sports.zersal.com/2008/08/19/top-speaker-author-says-sports-administrators-should-retire-when-their-kids-leave-the-league/

If you thought former Los Angeles Dodgers General Manager, the Harvard trained Paul DiPodesta, was a geek, look no farther than to your local kids sports leagues and you’ll find people we used to call, “The Paste Eaters,” running nearly every one... [Read more]

http://research.zersal.com/2008/08/19/how-to-size-an-emerging-market/

In developing their business plans, companies of all sizes face the challenge of determining the size of their markets. To begin, companies must present the size of their “relevant market” in their plans. The relevant market equals the company’s sales if it were to capture 100% of its specific niche of the market... [Read more]

http://mind.zersal.com/2008/08/19/mind-power-through-mindfulness/

Basic mindfulness exercises put you in a state of awareness where distractions are let go, and your mind power is able to function more effectively. They help you think more clearly and concentrate better. They are also easy exercises to do... [Read more]

http://currency.zersal.com/2008/08/19/volatile-market-investing/

It is easy to be complacent in a rising stock market. There is only one question they want answered and it is something like “What stock should I buy now?”.. [Read more]

http://forex.zersal.com/2008/08/19/real-time-forex-how-can-you-possibly-make-money-without-it/

In the crazy Forex market having real time Forex and its rates is a huge benefit. Real time foreign exchange allows for the trader to have absolute confidence in the trade and the rate they are getting. This is because actual time Forex informs the trader in actual time the current rates for trading and exchange between foreign currencies. This assures the trader that they are getting the best deal they can at that time and place. Real time Forex can help with uniformity and equality... [Read more]

http://commodities.zersal.com/2008/08/19/creating-more-effective-proposals/

The need for good proposals - the business kind, not the marriage kind - struck me again a couple of days ago, when I received a poor proposal. I had talked on the phone with a sales rep, and then she followed up with a proposal... [Read more]

http://baseball.zersal.com/2008/08/19/making-practice-fun-and-effective/

Baseball practice can be, by definition, a chore. In order to perfect game-related skills, players must perform repetitive, sometimes mundane tasks in a quest to build muscle memory and skill. Even so, beware of making practice boring - players who dread practice won’t get as much (or anything) out of it, will distract the rest of the team, and may even quit... [Read more]

http://american.zersal.com/2008/08/19/why-black-literature-is-important/

When I first published my first novel, The Ebony Tree, I’ll never forget how I found out later that my then, 23 year-old niece ran through the house and screamed with laughter, after she read the book. Now mind you, my niece had always been an avid reader of white romance novels since her early teens, but reading my book was like landing on Mars for her. She reportedly asked her mother, “Mama, did Aunt Maxine make this up? Did you guys actually ‘play white’?”.. [Read more]

http://performance.zersal.com/2008/08/19/and-johnnys-teacher-called-to-say-he-might-be-adhd/

Imagine arriving home one late afternoon to find this message waiting for you concerning your son Johnny! Instead of focusing on end of work day concerns and dinner preparation, you as a parent must now focus on what may be going on with Johnny in the classroom. You already know that reading has been a learning challenge for your elementary age son, but you have allowed yourself to believe that the extra reading time he invests nightly will pay real dividends... [Read more]

http://opportunities.zersal.com/2008/08/19/what-is-the-difference-between-a-ponzi-and-a-hyip/

Online HYIPs rarely provide information to their investors of what is done with their money. This makes it easy for fraudulent programs to succeed. Dishonest organizers can set up a website to look like the other HYIPs available on the net, wait for investors to place their money in their hand and then stop the activity and walk away with the cash... [Read more]