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Watch The Ball!  



This phrase is often repeated in nearly every sport – keep your eye on the ball.  It applies to golf too!  If you do not watch the ball, then the chance that you will hit it is very slim!  

Keep your eyes focused on one part of the ball.  Don’t watch your club as you swing.  

Keep your focus on the ball and let everything else fade into the background.  

Try to look down on the ball, rather than watching it at the end of the golf club.  Raising your shoulders is not going to help you see the ball more clearly.  If you will look down on the ball, you will get results that are more successful and you will not have a tendency to look up before the end of your swing.   

Unfortunately, it is completely natural to look away when you begin to pull the club back.  Ignore the natural feeling and keep your eyes on the ball.   

When you are looking down at the ball, you should notice that the only way you can keep the club head in the correct line of flight is to keep your hands moving parallel to the flight line.  Keep your hands in line with the club head when making contact with the ball.  

It is very important to learn to watch the ball no matter what kind of shot you need to make.  It does not matter if the ball is in the long grass, the sand trap, on a slope, or anywhere else, the main thing is to see the ball completely so that you can hit it solidly and successfully.   

There are not many golfers who stand still and keep their attention on the ball.  Many times, people will look at where they want the ball to go and then look at the ball.  Most golfers would be surprised to learn that they do not stand still and watch the ball.  The instant that you take your eye off the ball, you begin having problems.  

Most golf mistakes are a result of a loss of concentration.  It you keep your focus on the ball, you will be able to hit the ball well.    

To help your golf game, remind yourself to keep your eye on the ball for the entire swing.  You will find your golf game improving so much that your friends may be asking you for advice!  

Changing the Awkward Shots Into Opportunities 



For some of us golfers, this is something that happens to us more often that we would like.  You know what I am talking about.  Shots that throw you off balance or aren’t as simple as instruction videos or professionals make them look.  Here are some great ways to overcome the awkward shots.  

When you have an awkward shot to make, think about how you can swing, keep your balance, and keep from moving your head.  Then imagine the line your club travels along.    

Prior to setting up your shot, consider where the club head needs to travel for the greatest distance in a straight line.  Keep in mind that the ball makes contact with the club head for several inches.  After you make a few practice swings, you will be able to see what relationship your feet will have with the line and then you can determine your stance.  

It is important to keep from swaying when you are about the hit the ball.  Just before you swing, see if there is any problem keeping your balance.  If there is, you need to keep shifting until you find a comfortable position where there is no tension in your swing.  Freedom in your muscles and mind is what you are looking for so that you will be able to swing smoothly.  If you are fidgety when you address the ball, you are not going to be able to focus on the ball.  Be sure you keep your feet still.  

Ensure that you can see the ball from the beginning to end of your swing.  Even if it is a difficult shot, do not lose focus on the ball.  This will help you hit the ball cleanly and solidly.  

If you keep your eye on the ball, then your swing will be free from faults and the ball will be hit correctly.  If you can keep your head still for the entire swing until the club head meets the ball, your swing will definitely improve.  Then if you have an awkward shot, you will be able to hit it with confidence and assurance.  

Bad or difficult weather can make any shot more difficult.  When the wind is blowing, it is important to keep your feet closer together.  It is natural to think that you just need to hit the ball harder, but the wind makes it even more important to hit the ball correctly.  

The more awkward the shot, the more you need your muscles to be relaxed enough to make the shot.  Here is a tip.  The shorter the shot that you need to make, the closer your feet should be brought together.  Hit the ball true, instead of with all of your strength to keep it from bouncing away and reducing the distance that it travels.  

Awkward and difficult shots are something that every golfer needs to learn to deal with.  Once you learn how to handle them, then you will be much more confident and be enjoying a lower golf score!  





Getting Out and Staying Out of Credit Card Debt



Credit card debt is a major cause of over one million bankruptcies each year.  The reason is that many people get a credit card without researching and reading the fine print.  By the time annual fees are added on, along with spending indiscriminately, payments are missed, which causes their balance to skyrocket.   

Although we all like to place the blame on the credit cards and the credit card companies, you need to keep in mind that the real cause of your financial mess is you.  

One shopping spree does not usually cause high debt.  It is usually a pattern that consists of gradually increasing purchases that add up to a large debt.  The great thing is that it can be very easy to get out of debt.  The key is to start spending less than you make.  This is a long-term solution that can help you to whittle your debt down.  

Although it may sound simple, it can be very difficult if you have a problem with willpower.  It is important to stick with spending less than you make or you will find yourself in exactly the same place as you were before.  Overcoming your debt will take willpower and a great deal of time.  

It may be difficult to stick with your debt repayment program, but keep yourself strong and you will find yourself out of debt before you know it.  

It is important to learn how to get out of debt and then stay out of debt.  If you can summon enough willpower and strength towards your finances and spending, then you will find yourself the winner in the game of debt.  It may be easy to get into debt, but getting out of debt is much more difficult, but worth it.   

One simple phrase can sum up the solution to your financial problems.  If you don’t have the money to spend, then don’t spend it!  



If you baby is not napping well during her first few months of life, you may want to try to cut back on the time she is awake by 15 minute increments.  If she is getting overstimulated, then she will fight sleep and be difficult to get to nap.  The way to prevent this is to watch her “sleepy” cues to make sure that you put her down when she is beginning to get sleepy.  

Some parents believe that letting their child cry will harm him or her.  Fifteen or twenty minutes of crying will not harm your child physically or mentally.  Babies will learn to self-soothe and fall asleep by themselves, but only if you let her.  It is very important that babies learn to fall asleep by themselves so that they can self-soothe if they awake in the middle of the night.  Otherwise, you may have a child that will not sleep through the night for years.  

Regular sleep patterns are intermeshed with regular eating patterns, so let us look at the stages of a baby’s life:  

* Newborn:  Your newborn will sleep anywhere from 16 to 20 hours a day, including the naps that he takes between feedings.  When your baby has been fed, let him stay awake for a short while and then put him down before he becomes overstimulated.  

* Two months:  At two months and older, your child should be allowed to try to self-soothe during their naptimes and bedtime.  Crying is normal when you put your baby down, but it is okay.  If he cries for longer than 10-15 minutes, then go in and check on him.  Don’t get him up, but pat his bottom or lightly rub his back until he calms down.  

* 3-6 months:  At around 3-6 months, your baby will stop taking one of his naps.  Usually it is the third nap or late afternoon nap that they do not need as much.  He may be a little fussy and may want to take a little nap, but you need to try to keep him up if you want him to go to bed at a decent time and sleep soundly through the night.  

* 16+ months:  When your child is between 16-20 months, they usually quit taking the morning nap in favor of a longer nap in the afternoons.  Babies this age usually sleep between 10-12 hours a night and take a 2-3 hour afternoon nap.  

Ground Rules about Naps
1. You decide when the nap starts and ends, not the baby.  
2. When your baby is older than 4 months old, she will wake up crying if she hasn’t slept enough.  She might have a dirty diaper, be in a position that is not comfortable, or cold/hot. Fix the problem and encourage her to go back to sleep.  Babies that have enough rest wake up happy, talking, and in a good mood.  




* Diapers:  Most babies that are fed using the PDF method usually need a diaper change at each feeding time.  This means that your baby will need about 6-8 diapers a day or more.  Many new parents time the diaper changes with the after dinner bowel movement, but if you miss it, you will just have a few more diapers to change during the day.  

* Diaper rash:  Sensitive skin is a common problem for some babies and they may get a diaper rash due to a food allergy, yeast infection, sitting too long in a wet or messy diaper, or teething.  If you notice your baby beginning to get a diaper rash, talk to your pediatrician about which diaper rash medicine will work for your baby.  

* Growth spurts:  Growth spurts can start as early as 10 days after your baby’s birth.  Growth spurts usually are preceded by a sleepy, lethargic day and a big jump in appetite.  Growth spurts may happen again at 3, 6, and 12 weeks and again at 4 and 6 months.  If you begin to notice that your child is not as satisfied with the amount that you have been feeding her previously, then she may be beginning a growth spurt period.  If you are breastfeeding, you may want to add a feeding or two to satiate your baby’s appetite and to help increase milk production.  

* Immunizations:  With all of the conflicting reports on immunizations, you may be unsure about whether or not you want your child to receive immunizations.  I think that there are simply too many fatal diseases that can be prevented by immunizing your baby to take the chance.  If you are unsure, then you need to talk with your pediatrician, but understand that the reason that the infant mortality rate is so low in this country is because immunizations are routinely done.  

* Pacifiers & thumb sucking:  If you breastfeed, do not allow your child to use you as their pacifier.  If your baby seems to have a need to suck beyond eating, then you need to give them a pacifier.  There is no “nipple confusion” between a breast nipple and a pacifier as they are very different in feel and taste.  Babies will know the difference between the two.  Some children do not want a pacifier but will suck on their thumb.  If you don’t have a problem with it, then let them.  


* Spitting up:  It is very common for babies to spit up, but some babies do it more than others.  If your baby is growing normally, then there is no need to worry about it.  Projectile throwing up is not the same as spitting up.  Projectile throwing up is a violent reaction to reject the contents of the stomach and not just “burping” up a little milk.  If your baby does this frequently, consult your pediatrician.  


The golf professionals do have something that they agree on.  If you do not keep your balance during the entire swing, it is not possible to have a good stroke.  It sounds simple to keep your balance, doesn’t it?  Unfortunately, it is impossible to have good balance when you are so tense that you are “white knuckling” the club, your entire body is stiff, and you are trying to hit the ball too hard.  

When you are just starting to play golf, you are frequently warned to not hit the ball too hard.  Energy that is focused will make the ball go much further than a hard swing that does not make contact with the ball at the club’s center.  When you are well balanced, you are more free to hit the ball correctly.  

Keep your head still, with your eyes focused on the ball.  The more still your head is, the better you will be able to see the ball.  This helps to create the foundation for you to keep your balance.  Any movement or distraction that hinders your balance will make it impossible to focus on the ball.  It is imperative that you keep your head perfectly still and do not move it during your swing.  



If you want to keep your balance, you need to relax your body and muscles.  If you don’t relax, then your head is going to move.

If you will watch yourself in front of your mirror, you will soon realize that you need to relax your muscles for your head to stay still while you swing.  No two golfers have the same build, so you will have to figure out some things for yourself.  It is a necessity to begin by keeping your head in the same position from the beginning to end of your swing.  If you keep your head still, you will be able to focus on the ball, and you will turn your hands at the right time.  

You will be able to cure many of your problems just by keeping your head completely still.  It will be impossible to incorrectly grip your club without losing your balance and moving your head.  

If you don’t follow through correctly, you will not be able to keep your balance.    

If you concentrate on your balance and keeping your head still, then you will not swing too hard or pull your club away.  It will be impossible to put too much strength into your swing.  You will be relaxed and will have a smooth swing and a successful finish.

Keeping your balance is necessary for you to enjoy a great game of golf.  It will take time for you to see definite improvement, so be patient.  Concentrate on keeping your balance and your head in one place and in no time you will be enjoying an excellent golf game that your friends will be envious of!  



Filling out a credit card application is just like filling out a job application-everyone needs some tips to use so that they get approved.

If your credit is bad, then it may be a little more difficult to get a credit card than if you have good credit.  Do not give up, because there are hundreds of companies out there that offer credit cards for people with bad credit and if you shop around, you will find the credit card that is just right for you.  

If you are researching credit cards, the first place that you can get information is the Internet.  The Internet has a lot of information about many different credit cards, including their rates, fees, and incentives, so that you can find the best credit card for you.   

There are some credit card companies that say that they will give you a credit card with no credit check.  However, keep in mind that having a credit card almost always means that you are going to go into debt.  Be cautious when choosing the credit card for you.  Read the fine print of their terms and agreements to make sure that there are not going to be any surprises.  

Analyze your financial situation to make sure that you can handle a credit card and its payments.  Even the most cautious of us go on a little shopping excursion every now and then and you do not want to be thrown into a financial tailspin when your bill comes in.   

Cautiousness is very important in using your credit card.  If you are not sure that you can handle a credit card, then rethink applying.  You need to be sure that when the bill comes in that you can make the payments.  If you are not completely sure, then don’t get a credit card until you are ready.  

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