I didn t buy that

Have you ever opened your credit card statement only to find a charge for a purchase that you did not make? It does not happen very often but it happens and you need to know what to do. The first thing that I recommend is that you do is call the merchant if the number for the merchant is not listed on the statement call your credit card company they will give the contact number for the merchant. As a merchant that sells coat racks online we receive calls from time to time from people questioning a charge from us they ask “What do you sell” when we respond coat racks they in veritably say oh that’s right and that is the end of the problem.

If you can not get a good answer from the merchant call your credit card company and explain the situation all credit card purchases are covered by the Federal Truth in Lending Act and are covered under the Fair Credit Card Purchasing Act or commonly known as the Consumer Protection Act. This is handled by the FDIC you can get more detailed information from their web site at fdic. gov. Credit card disputes are supposed to be resolved within 90 days after you call your credit card company send them a registered letter explaining the same thing you went over on the phone send copies of any supporting documents. It is a good idea if possible to go ahead and pay the disputed amount rather than to carrie it over non payment can cause higher interest rates and incur late charges that may not be taken off when the charges are removed. When the charges are reversed a credit will show up on your card in the next month so you will get it back with out receiving any extra charges.

If your credit card company decides that you are still responsible this will require a copy of your purchase receipt and a copy of your signature. If the merchant has a copy of your receipt with your signature. It can be a tough road to get your money back but if the merchant does not have your signature or the signature does not match then usually the credit card company will reverse the charges.

You are allowed to get a copy of your credit report once a year for free, it is a god idea to take advantage of this and actually set a date every year and request a copy on that date. Your credit report can possibly show you any fraudulent activity. Many ID thefts are done so to get a new credit card issued to the thief with their signature and address. The request for a new credit card will show up on your credit report if you see any new cards or loans issued in your name that you did not in fact open contact the lender who issued the loan and get it cancelled and any charges taken care of.

Weight loss psychology - tips for easier dieting

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Introduction


Losing weight is 100 times easier if you are mentally prepared for it. This may sound elementary, but in my experience most dieters quit their weight loss plan not because they feel hungry or have difficulty with the menus, but because of psychological reasons. Either, they become bored, or dissatisfied with their rate of weight loss, or suffer a momentary lapse and become overwhelmed by guilt, or feel too "deprived" to continue. And then, in an attempt to explain their failure, many of them blame their diet-plan, their domestic situation, or their congenital inability to lose weight. This process often repeats itself, as a result, some dieters can spend years unsuccessfully trying to lose weight, without ever realizing the true cause of their difficulty. Here are three common psychological problems we encounter when trying to reduce weight, along with some tips for how to overcome them.

Problem 1. Not Knowing How Weight Loss Will Benefit You

Whether we want to lose 20 or 220 pounds, we need to change our eating habits and perhaps several other lifestyle habits as well. Making these changes may not be difficult on Day 1 or Week 1 of our weight loss diet, because our initial enthusiasm usually gives us sufficient motivation. But, typically within 2-3 weeks, our "new" eating pattern starts to interfere with our regular lifestyle and, unless we are prepared for this, our desire to continue dieting will start to fade. Instead of seeing our diet as a passport to a better weight and shape, we see it as an obstacle and a burden. It becomes something we are doing because we "must" rather than because we "want to". This is the first big emotional problem we encounter when dieting.

To overcome this problem, we need to know exactly why we are trying to lose weight. We need a clear idea of how it will benefit us. Because only if we have a clear benefit to look forward to, will we be able to resist the temptation to revert to our previous bad habits. General benefits from having a leaner, lighter shape aren't powerful enough. We need a selfish, specific benefit - something we can visualize - that commands our attention. Maybe a beach holiday, or a dream outfit to wear for a specific occasion, or a new shape to show off at Thanksgiving. Whatever we choose, it must make a noise inside our head! Remember, the moment we start to feel that we "have to" do something, it becomes the enemy - like paying taxes, or cleaning out the basement - and our motivation flies out the window. In order to achieve lasting weight loss, we need to "want it".

Problem 2. Trying To Be Perfect

During my 24 years or so as a weight loss consultant and nutritionist, I've met perhaps 10,000 dieters in person, and communicated personally with another 100,000 over the Internet. But so far I haven't met one single successful dieter who was perfect. On the contrary, most of my successful clients made tons of mistakes. They had bad days, bad weeks - even whole months - during which they went completely off the rails. But none of this stopped them from succeeding in the end. Why not? Because they learned from their mistakes. And let's not forget: most of our self-knowledge comes from the mistakes we make, not our successes.

Unfortunately, many dieters insist on trying to be perfect. As a result, when they do fall off the wagon (as they always do), they find it impossible to tolerate their "failure", and become overwhelmed by guilt. So even though their lapse might have been relatively trivial (a weekend binge), they go to pieces. Because, as usual, it's the guilt that does the real damage, not the bingeing.

The lesson is this. When dieting, don't waste time trying to be perfect. It only leads to increased guilt and failure. Instead, accept that you are going to make mistakes, and don't let them distract you when they happen. See them as a learning experience. For example, if you drink too much alcohol when dining out, and massively overeat as a result, don't wake up the next morning in a fit of depression. Instead, savor your experience, and appreciate that you have made an important discovery: that too much alcohol makes weight loss more difficult. By reacting like this, you will avoid guilt and find it much easier to return to your diet.

Problem 3. Treating Your Diet As Race

Another common problem concerns speed of weight reduction. Many dieters expect to lose weight very fast, and are psychologically unprepared when their body refuses to behave in this fashion. If a week passes without any weight reduction, they become dispirited and start to lose interest. Unfortunately, like it or not, the human body is designed for survival not "appearance". Therefore it has no interest in shedding body fat, which it sees as an important source of energy during times of famine. As a result, the maximum amount of fat we can lose in a week is about 3 pounds, while someone who is less than 30 pounds overweight may lose about 1 pound. Anything extra is likely to be a combination of water and muscle weight.

To overcome your impatience and maintain steady weight loss, stop thinking of your diet as a race. Instead, see it as a journey. This reduces anxiety and gives you more "breathing space" to settle into your new eating habits. I explain this in more detail on my wonderful weight loss forum, and most people find it a very beneficial approach. At the same time, avoid jumping on your bathroom scales every day - limit yourself to once a week. Checking your weight more often only encourages you to take a short-term view of things, which is not helpful.

I realize that "steady" weight loss may not sound terribly attractive, but in my experience the slower the weight loss, the longer it stays off. Furthermore, as stated above, if you lose more than 3 pounds a week it won't be fat - it will be muscle or water. And while losing water is only temporary - and thus pointless - losing muscle will slow your metabolism and increase the risk of future weight gain.

So when you start your next diet journey, just remember: there's no rush. Set yourself a realistic weight loss goal and let Nature take its course. For example, if you weigh 200 pounds and are aiming for 150 pounds, allow yourself 6 months to reach your destination. And if it takes a little longer, so what? I mean, what do you lose?

These three psychological problems account for a huge number of diet failures. Mastering them will definitely enhance your chances of losing weight. So before you embark with all your customary enthusiasm on yet another "new" diet, set aside some time to think through these issues and then watch the pounds disappear!

Explore norfolk as part of your great yarmouth holiday

Norfolk is one of the UK’s leading holiday destinations, with an excellent array of places to visit and things to do and see, welcoming visitors of all ages.

For holidaymakers staying in Great Yarmouth, the resort is well positioned to explore some of best bits of the county, including the stunning Norfolk Broads, the unspoilt beaches and the many, varied attractions.

If you’re holidaying with small children Norfolk has a good selection of places to visit that are both fun and educational. The attractions range from searching for dinosaurs through woodland to learning about Shire horses, along with play barns and animal farms for really young children.

For older children and teenagers Norfolk also has something to offer with a good range of activities, such as adrenaline fuelled rides at amusement parks, shopping, cinemas and mountain biking. Yet, if it rains during your visit then the county is fully prepared for the unpredictable British weather too with good indoor attractions including the Sealife Centre in Great Yarmouth, and great family activities such as swimming and bowling.

Alongside the attractions and outdoor adventure activities the county has a wealth of museums and historic houses that bring the area’s history to life. Nestled in the beautiful countryside, majestic stately homes and parkland, including picturesque Somerleyton Hall and Blickling Hall, owned by the National Trust, are waiting to be discovered. The historical seaside towns of Great Yarmouth and Cromer also have a great range of museums that document Norfolk’s maritime history.

Make the most of today and the past with a day out in the historic city of Norwich. For shopping, sightseeing or just simply exploring, the city is just 20 miles from Great Yarmouth and is definitely worth a visit. Now one of the top ten places to shop in the UK with not one but two shopping centres, plus a Norman Cathedral and impressive castle, museums, art galleries, and much more, there’s plenty for everyone to do whatever their passion or interest.

Out of the town and into the countryside, there are numerous ways to explore Norfolk with the county having some fantastic steam railways, cycle routes and walks. The best of these include the North Norfolk Railway, based on the coast in Sheringham, and the Peddars Way and Coast Path that are part of the National Trails network. And of course with the Norfolk Broads, there are opportunities to take to the water either on a cruise or by hiring a boat.

Not surprisingly the varying habitats in Norfolk are a haven for nature and birds of all sorts, so birdwatchers and nature lovers should definitely bring their binoculars. The long stretch of Norfolk coastline is home to some of the most protected habitats in the UK, with fragile ecosystems such as heathland, salt marshes and tidal wetland. An internationally recognised stretch of coastline, it is home to some of the UK’s most important bird reserves, including the RSPB site at Titchwell, which gets over 100,000 visitors a year. Further down the coast it is possible to either walk, a good 4 miles over shingle, or catch a boat from the village of Morston, to see the seal colony at the end of Blakeney Point.

So whatever you want from your holiday Norfolk has a great range of attractions to offer to all age groups and audiences – with Great Yarmouth providing an ideal base from which to explore.

Fishing in and around cairns an angle for everyone

The Northern Queensland Coast is one roller-coaster ride of fabulous weather, romantic beaches, delicious food and adventure activities. The ocean forms the focal point of life in coastal Queensland, and hides many charms.

With such a love of water, it is not surprising that fishing forms a popular pastime and passion for many in land awash with water – inland as well as coastal – whether it is calm water estuarine fishing, calm water river fishing, fly fishing, light tackle sports fishing, reef fishing, heavy tackle game fishing, or beaches and headland fishing.

The area forms a paradise for all line lovers – the world’s largest ocean, the world’s largest living organism in the form of Great Barrier Reef, large freshwater rivers passing through undisturbed rainforests, large estuaries, isolated and undisturbed lakes, lagoons, bays and inlets with wharfs….everything you could imagine or want. And the range of fish available brings a delight to the gastronomically inclined as well.

The wonderful climate of Cairns ensures that the fishing season lasts throughout the year. The dozens of popular species have their peak periods during different months. For example, in the game fishing circles, while Black Marlin is mainly found from September to December, Blue Marlin is available from December to March. Before getting down to fishing proper it is very essential to know what it is that you want to do.

Fishing can be a frustratingly unrewarding experience at times, and different types of fish require different styles and different tackle. Not all are trained for or are capable of big game fishing, although there are enough opportunities here for the widest ranges of experience, or lack thereof!

Those who are fond of calm water estuary fishing can look forward to catching archer fish, barracuda, barramundi, batfish, catfish, dart, estuarine cod, flathead, salmon, tarpon or queenfish. Calm water river fishing can bring the prized barramundi, jungle perch, Saratoga or Black Bream.

Light tackle sports, suitable for most enthusiasts, can bring prized catch of barracuda, black marlin, blue marlin, sailfish, Spanish and spotted mackerel and yellowfin tuna. Those who want to get a real taste of the reef might love the eternal favorite barracuda, cod, coral trout, nannygai, red emperor and turrum.

For the real sportspeople, big fish await. You can chase the blue and black marlin, the mackerel tuna, northern bluefin tuna, striped marlin or the yellowfin tuna. As you can imagine, there are hundreds of varieties of fish occupying the ocean, and waterways in mainland Cairns.

Just cast line - you may well find something pulling at the other end.

Of course, there are numerous places where you can cast your net. Head north to the mighty Daintree river that gushes out in torrents during the rainy season. It provices plenty of freshwater, vast tidal zones and mangrove ecosystems.

So, in this wondrous region, you get your catch of both freshwater and marine fishes.

Head to Port Douglas for more exciting locations. The Anzac park is popular as a family fishing point, along with the countless jetties and wharfs jutting into the tranquil waters. The Captain Cook Highway, one of the most charming routes in the world, hosts a myriad of fishing locations. Apart from that you could go to Yorkeys Knob, Barron River, Trinity Inlet, Kings Point, Lake Tinaroo, Russell-Mulgrave, Mission beach, Cooktown, Seisia and Princess Charlotte Bay.

Fact is, the Cairns area is full of fishing possibilities. Anglers come here to get mesmerized, and they seldom leave disappointed.

Disclaimer

We take no responsibility for inaccuracy or omissions in the information provided, which is not intended as specific advice. Before relying on the material, you should obtain appropriate professional advice relevant to your individual circumstances to evaluate accuracy, currency, completeness and relevance of the information to your specific needs.

Business banking explained

No matter where you are within your business, just beginning or have been in business for many years, one thing remains the same; your business needs a banking institution that is solid and great for businesses. Within this article, we will look at some of the main items you should consider when looking for a bank account for your business. There are many things you should think about when opening a new bank account for your business, each one of them should work to benefit your company in all ways necessary.

For starters you should look at some of the basics, first consider what type of company you are, limited or sole trader. For a limited business, you will be required to obtain a business bank account, while a sole trader has the ability to use their personal bank accounts for any activity within their business. For those who insist or are required to have a business bank account, you should consider a institution that has a team in place specifically for businesses.

Consider any fee’s that are associated with the bank account for example, overdraft fees or transaction feeds. Also, consider if the bank offers a period of time that is fee free for new accounts, if they offer this it is wise to take advantage of this offer. You should also look at any incentive offers that the bank gives you, for example, charge cards, free statements, or credit cards. Always check the interest rates offered on these account and consider if the chosen bank has internet banking, this is important because it allows you to have up to the minute information regarding various aspects of your account. Businesses will benefit from internet banking because it allows you to do your banking at your convenience, which we know that many busy business owners frequently do not have the time to visit the bank.

When you have finally sorted out the proper banking institution for your business it is time to open your account. There are many things you will have to bring to the bank when you go, this documentation could include your business plan or other various details in regard to your business. Additionally, you will have to take along your incorporation certificate, any items necessary to prove your identity (Photo ID, utility bills, and perhaps your passport), and a list of those who are authorized to sign any company checks.

Personal hydration systems finding a personal hydration system is easy and convenient

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For all you athletes and adventure seekers that require personal hydration systems to keep hydrated during your sports event and favourite outdoor activity, hydrating yourself couldn’t be any easier and convenient!

The days of clumsy water bottles and canteens are a thing of the past, and with technology taking us into the new millennium, this season in 2006 will be the year of the hydration packs and convenient waist pack systems.

Whether your sport may be cycling, climbing, hunting, or mountain trekking, there is one thing you must do at all times, and that’s keeping your body full of necessary fluids so you don’t experience any sudden dehydration. Prior to the hydration bag, you had to find a place to carry a water bottle, and I can’t imagine anyone carrying a bulky canteen that you only see in old western and war movies!

The fact that many athletes bring with them some sort of backpack or waist pack, would only make sense that the next option would be a combination of pack and water system. The backpacks that contain a reservoir with a convenient flow tube for the easy stream of water is the best logical way to access fresh cool liquid without having to dig around for the bottle, and when you finally find it, the water’s warm and tastes horrible.

Hydration Systems Quench Your Thirst With Convenience and Comfort!

The features and benefits in a hydration pack system are plentiful, and you can find the right hydration product that can fit anyone’s activity level. Many of the bag manufacturers are listening to your athletic needs, and with athletes and outdoor enthusiasts providing the necessary feedback, hydration backpacks and waistpacks are being developed in many tailored models and unique styles.

Many of the bags are specially designed to contour the shape of your body, and they have extra padded straps for comfort, and additional sternum straps for the safety of your lower back as well.

The packs come in all sizes and functions, and depending on the level of your activity, you can easily find a pack system with the internal water bladder system that can carry from 30 to well over 100 ounces of water. The construction includes many details such as insulated hoses for prevention of freezing in the winter, and other uniquely designed components that allow your fresh water stay cool for hours during hot summer days!

Having a drinking system that can adapt to your sport or activity is important, and when you can enjoy every hour you spend outdoors, without having to worry where to find your next source of H2O is the reason these hydration pack systems were created in the first place. Runners can take advantage of the waist pack system, where you actually sip on your water through the extended valve tube, so while you’re running you don’t have to fumble for a water bottle, which can easily take your attention away from the path or road, and avoid any injury.

Whether you’re taking your activity to the backcountry, or you decide to be part of a city biking excursion, having the right hydration gear will allow you to enjoy every minute without having to worry about finding quality drinking water. Having a source of necessary fluids is the key to keeping your body fully hydrated, and when your body’s hydration level is at its peak, you will be pleased that you made the decision to obtain a quality drinking system.

Can you draw a perfect hexagon

It may not sound like a difficult task, but constructing hexagons and other polygons can be a frustrating and daunting task for children and adults. A sketch of a square is fairly simple to make as the corners are familiar right angles that most people have no trouble creating. Every other regular polygon from equilateral triangles to dodecagons and beyond can be a challenge without a highly developed ability to recognize and construct a variety of angles. Thankfully, there is a slick technique for constructing all sorts of regular polygons based on the fact that all regular polygons fit neatly inside of a circle.

For the uninitiated, a regular polygon is a closed figure with equal length sides and equal angles. A pentagon with three centimetre sides and 108 degree angles is a regular pentagon. Regular polygons are the figures that are most commonly used to represent each family of polygons.

To experience the most success with this method, it is recommended that you use a full circle protractor. A half circle protractor will work just fine except the procedure changes slightly. The basic procedure for the full circle protractor is to place the protractor on a piece of paper, make a bunch of dots, and join the dots. The trick is dividing the 360 degrees of the circle by the number of vertices in the regular polygon, and making dots at the resulting interval. In a hexagon, for example, there are six vertices, so divide 360 degrees by six to get sixty degrees. Starting at zero degrees, make a mark every sixty degrees around the full circle protractor; there will be dots at 0, 60, 120, 180, 240, and 300 degrees. Join the dots, and voila; you have a perfect regular hexagon. With a half circle protractor, it is necessary to establish a center point first, so when you rotate the protractor to complete the dots on the other side, it can be lined up properly with the zero point and the center point.

The really nice thing about using a 360 degree circle to construct regular polygons is that it works for all of the regular polygons that one would encounter in an elementary or primary school. This is because 360 is divisible by 24 different numbers including 3, 4, 5, 6, 8, 9, 10, and 12. To construct an equilateral triangle, for example, first divide 360 by three to get 120. Make dots at 0, 120, and 240, join the dots, and enjoy a perfectly drawn equilateral triangle. Squares are constructed by marking dots at 90 degree intervals, pentagons at 72 degree intervals, octagons at 45 degree intervals, nonagons at 40 degree intervals, decagons at 36 degree intervals, and dodecagons at 30 degree intervals. "But what about a heptagon?" you may ask. Even numbers that don't divide evenly into 360 can be approximated using this method. For example, a heptagon (seven sided polygon) can be approximated quite well using 51 degree intervals. It will be hard to tell with the naked eye that you were one or two degrees off.

One limitation of this method is that there is only one size of circle available, so all of the polygons come out quite large. With a little ingenuity, this limitation can be overcome. One simple solution is to cut out a circle of paper and place it on top of the round protractor. Any paper circle smaller than the round protractor can be used. Make the dots around the edge of the paper circle lining them up with the scale on the protractor. The paper circle becomes an intermediate protractor that can be used just as the regular protractor, but it will make a smaller polygon.

Another limitation is that your students might not be at the point where they can divide or find multiples of large numbers. In this case, you could tell your students at which numbers to make the dots, or create paper protractors with just the intervals marked on them for each polygon.

This is the quickest and most efficient method I have seen for constructing regular polygons. It takes little time to teach and little time to learn, and it makes the construction of regular polygons a simple and painless activity for students. And if you need a bit of a challenge, try the 180 sided polygon with two degree intervals. I'll bet you never guessed you could make one of those so easily!