Sabtu, 12 Februari 2011

Learn How to Play the Guitar

Learning to play guitar can be rewarding in many different ways. Learning this skill will give you a sense of accomplishment. You can play at different events and occasions, it can even help you make some money when you become experienced.

New guitarists should know that there is no easy way in learninghow to play. You have to practice regularly, and it takes patience. It does not come easily, but you shouldn't get frustrated, this new skill will develop over time. 

First comes first. Buying a guitar can be confusing and overwhelming. You should go to a music shop and pick them up and hold them try to choose one that feels comfortable and if you still can't decide talk to the shop assistant and see if they have any tips and tricks for picking the right guitar. Don't be fooled by the price tag most of the cheap guitars are fine to begin with. When you first learn to play music on guitar you will not need a fancy guitar as most of the features will go unused and will only get in the way. However as you improve you may want to upgrade in small stages to suit your level of experience.

There is a wide range of classes to learn to play music on guitar. Some classes are free or require a small donation. However most have a fee attached to cover the costs of teachers and equipment. When you participate in a free class, these are generally just as good as a paid class. All classes will help you with basics when you learn to play music on guitar. The best thingabout classes is the hands on approach to learning; there is nothing better than having someone give you first hand knowledge on how to do something.

The more you practice the better you will get. There is not such thing as too much practice, but you should spread the practices out so you don't get too burned out to the point where playing isn't fun anymore. The whole point in learning to play is that it is something fun to do, if you don't find it enjoyable, you should not push yourself to do something that you don't like. Don't forget to share your new talent with other people, family, and friends. Music is to be enjoyed by all.
READMORE - Learn How to Play the Guitar

Retirement planning: Plan your retirement for income through mutual fund investment.

Most of the people I have met have not planned for their retirement as they say 'future is unpredictable and we need to live in present' but my dear friend's future is the outcome of present, our present will decide our future. When we think of retirement we generally think of old age, a period when you have to give up the job and sit at home doing nothing. Contrary to the fact, most of the retiree lives a very active life. We need to seriously consider out planning towards retirement because once we retiree our income stops coming but our expenses remain as it is and in some cases it rises with the rising inflation. 
In this regard mutual fund has turned out to be the right answer for making retirement planning easier and safer. Mutual fund being managed by professionals is a key to effective retirement planning. 

Some people like it. Some people don't but the fact is that retirement is a reality for every working person. Most young people today think cannot think of retirement as reality as they believe in 'living at present'. However, it is important to plan for your post-retirement life if you wish to retain your financial independence and maintain a comfortable standard of living even when you are no longer earning. This is extremely important, because, unlike developed nations, India does not have a social security net. In India people still depend upon bank savings and fixed deposits for retirement purpose, which is unfortunately inadequate. 

Retirement Planning acquires added importance because of the fact that though longevity has increased the number of working years haven't, so you end up spending the last phase of your life without earning. 
In simple words, retirement planning means making sure you will have enough money to live on after retiring from work. Retirement should be the best period of your life, when you can literally sit back and relax or enjoy your life by reaping benefits of what you earn in so many years of hard work. But it is easier said than done. To achieve a hassle-free retired life, you need to make prudent investment decisions during your working life, thus putting your hard-earned money to work for you in future. 
With the special features of mutual funds like Systematic Investment Plan, Systematic withdrawal plan, systematic transfer plan in addition to other unique features of different funds, the investor can easily plan for its post retirement requirements and ways to achieve it. 

Unlike many other countries of west, in India we do not have state-sponsored social security for the retired people. While you may be entitled to a pension or income during retirement, but will it be sufficient post retirement. 
Although the compulsory savings in provident fund through both employee and employer contributions should offer some cushion, it may not be enough to support you throughout your retirement. That is why retirement planning is extremely important for every one. More over with mutual funds the investors can actually plan for themselves and also achieve their planned objectives. As compared to direct equities this option of mutual fund is much safer for planning your retirement corpus.


There are many reasons for the working individuals to secure their future emergence of separate families and its attendant insecurity, increasing uncertainties in personal and professional life, the growing trends of seeking early retirement and rising health risks are among few important risks. Besides falling interest rates, also the sustained increase in the cost of living make it a compelling case for individuals to plan their finances to fund their retired life.


Planning for retirement is as important as planning your career and marriage. We need to take conscious and careful decisions to prepare for our retirement. Life takes its own course and from the poorest to the wealthiest, every one gets older with time. We get older every day, without realizing. With our coming old age we tend to become more understanding to the facts of life and realize the importance and impact of retirement. The future depends to a great extent on the choices you make today. Right decisions with the help of proper planning, taken at the right time will assure smile and success at the time of retirement.

In my words, retirement planning means making sure you will have enough money to live on after leaving your work. Retirement should be that period of your life, when you can sit back and relax. Retirement should bring more of enjoyment in your life by reaping benefits of what you earn in so many years of hard work. But it is easier said than done. Most of the people live their worst life during retirement. To achieve a hassle-free retired life, you need to make right investment decisions during your working life, thus putting your hard-earned money to work for you in future. If you are not very aware of the investment that you need to undertake then you can easily take help of online advisers to help you with your retirement plan through mutual funds. The earlier you start the better it is for you.


Now retirement planning can be done with a single click and with the advice of a registered mutual fund advisor by Association of mutual funds in India (AMFI). Fill this retirement questionnaire to know your current financial situation and your investor profile which will help you plan for a worry-free retirement.
This is a no obligation free mutual fund advisory; investors can make informed mutual fund investment decisions with the expertise of our advisors. 
READMORE - Retirement planning: Plan your retirement for income through mutual fund investment.

How to Prepare for a Mammography and What to Expect

Although it usually occurs in women over 35 years of age, breast cancer knows no age, race, social, or lifestyle barriers. It can strike any woman at any time, regardless whether or not she has ever smoked, taken an alcoholic beverage, or ever taken birth control.

Although certain factors can increase a woman's risk of getting breast cancer, every woman is at risk. Even women who have never experienced a day of illness in their entire lives can fall victim.

Breast Cancer – No Longer a Taboo Subject

Breast cancer is no longer a taboo topic of conversation. As breast cancer awareness increases so do a woman's ability to take responsibility by taking preventive measures. Routine self-examinations and mammography screenings go a long way in detecting breast cancer while still in the early stages. Early detection greatly minimizes the seriousness of cancer if it is detected, and increases a woman's chance for survival.

Yet, many women remain reluctant to take the initiative and schedule for a mammography screening. One reason is due of the fear of the unknown. Women who have never had one don't know what to expect.

This article was written with these women in mind. It outlines what to expect during a mammogram, and tells how to prepare for one. Many women who have been reluctant to schedule for a mammography screening will be pleasantly surprised to learn that the procedure itself is not nearly as intimidating as imagined.

The Mammography Screening

Let's begin with how to prepare for a mammogram. When scheduling for a mammogram, opt for a time when your breasts are least likely to be tender. This is usually the week following menstruation. Breasts are most apt to be sensitive just before and during your menstrual cycle.

Once you have secured an appointment, you will be instructed to avoid the use of deodorants, powders, lotions, creams or perfumes under your arms or around your breasts on the day of your mammogram. This is because metallic particles contained in powders, deodorants, and perfumes could be visible on the mammogram, making results confusing.

The Day of the Mammography

The day of your test you might want to avoid wearing jewelry, since you will be asked to remove jewelry for the test. You might also want to wear a two-piece outfit, since you will have to remove everything from the waist up.

Aspirin or another over the counter pain reliever such as Tylenol or ibuprofen can be taken about an hour before the mammogram to help ease any discomfort experienced during testing.

Once you arrive for your test, you will be given an examination gown. You will be asked to remove jewelry, if you are wearing any and all clothing from the waist up.

What Happens During the Mammography Screening?

During the procedure you will stand in front of an X-ray machine, specifically designed for mammography purposes. A technician will place one of your breasts on a platform that holds the X-ray film. The platform will be adjusted to your height; the technician will adjust your posture and position your body for an unobstructed view of your breast.


It is necessary that your breast be carefully pressed against the platform by use of a clear plastic plate used to spread out breast tissue. This is essential so that the X-rays can penetrate the tissue. You may find this uncomfortable, or even a little painful. If discomfort is too great, tell the technician.

During X-ray exposure, you will be asked to stand still and hold your breath. Try to relax. Exposure time will be brief. The same process will be repeated for your other breast.

After the Mammogram

After both breasts have been X-rayed, you may be asked to wait until the technician checks the quality of the images. If the views are not adequate, you may have to be x-rayed. If the images are clear, you will be able to dress, and go about your day.

The entire procedure usually takes less than a half hour. A radiologist will study the x-rays. He will be looking for evidence of cancerous or non-cancerous conditions. After he examines the images, the radiologist will send your doctor a written report with the results of the tests.

Possible findings include things such as calcium deposits, most of which are benign, and masses of lumps. He will also look for distorted tissues, and areas of denseness that appear in only one breast. If the radiologist notes any areas of concern in his report, further tests will be recommended, just to be on the safe side. Roughly 5 to 15 percent of mammogram testing is followed by further testing.

Important Reminders

While mammography is a very good way to help determine whether or not cancer is present, it isn't fool proof. Very small cancers or cancers located in a difficult to see area might not show up on the mammogram.

A mammography also is not without potential risks. During the mammogram screening you will be briefly exposed to low-dose radiation. Even so, the benefits of mammography far outweigh possible risks, especially for women over age 40.

Having a mammogram might not be top on your list of things you enjoy doing, but it nevertheless increases a woman's chance at longevity. Mammogram screening is an effective tool that could prove life saving. That is because early detection remains a woman's best defense in the fight against her number one enemy; breast cancer.

Every year the third Friday in October is National Mammography Day. For more information about breast cancer, visit the quick content pages at Writers Write Now web site.

©2006 Lori S. Anton
Writers Write Now 
READMORE - How to Prepare for a Mammography and What to Expect
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