How to Break the Credit Card Habit

1.Discard credit card offers received in the mail. Shred or tear up the offers - to keep them from being used fraudulently by anyone else - and throw them out.
2.Discern between luxury and necessity, then cut back on credit card use for luxuries.
3.Commit to paying bills in full each month or to not using credit cards at all.
4.Throw out one credit card a month until you're down to a couple of manageable ones.
5.Use cash instead of plastic. 
If you stop using a credit card, it won't be canceled unless you call the company and request cancellation.
Debtors Anonymous has local chapters all over the country for addicted overspenders.
Keep credit cards somewhere other than in your wallet. 
Resist the temptation to pay off one credit card with another.
Avoid withdrawing cash using your credit card. The transaction fees are high, and interest begins accruing immediately.
Avoid using the checks that are issued by credit card companies. These checks are treated just like cash withdrawals, meaning there are transaction fees and high interest rates. 

How to View a Partial Solar Eclipse

1.Pick a viewing area that’s not too crowded and has a good view of the sky. Visit the site beforehand to make sure no trees or buildings will block your view of the eclipse.
2.Punch a small hole into the center of a white piece of cardboard with a sharp pencil or a pin. The hole should be about the size of a pencil point. Thick paper will also work if cardboard is unavailable, but make sure it is opaque.
3.Turn your back to the sun during the eclipse, and hold the punched cardboard about 1 1 /2 feet above a second sheet of cardboard. The sun should be shining through the hole in the cardboard.
4.Adjust the distance between the sheets to get a clear, sharp image of the eclipse. Moving the sheets closer to each other will give you a smaller, sharper image.
5.View the eclipse as it occurs by looking at the image projected onto the second piece of cardboard. As the moon moves across the sun, a simi-larly shaped shadow will move across the bright disc of the sun’s image on the cardboard. 
Most solar eclipses are partial, occurring when the moon crosses the sun only part way. Total solar eclipses occur when the moon passes directly in front of the sun; they last only a few minutes.
In annular solar eclipses, the moon passes in front of the sun but is too far from Earth to cover the sun’s disc. This creates a dark circle in the middle of the sun, surrounded by a bright ring. 
Warnings: Never look directly at the sun during a solar eclipse.   Steps:
1.Locate the small area of the world where the eclipse will occur - a band about 100 kilometers thick that stretches around half the planet. In most cases, you will have to travel to a point on the band to see the total solar eclipse.
2.Join a group, if you can, that has at least one expert or veteran eclipse chaser. They can instruct you on the proper and best methods of enjoying the eclipse, and they can make sure you end up in the right place for the eclipse.
3.Take along a small telescope or binoculars, which will reveal fantastic details not seen with the eye. A total solar eclipse lasts only a few minutes. During that time you can look directly at the sun without any filters.
4.Wear a long-sleeved shirt, sunscreen, a hat and sunglasses, and have something refreshing to drink if you plan to say out during the entirety of the total solar eclipse (and the partial eclipses before and after).
5.Expect a partial eclipse prior to the total eclipse. It will last over an hour. After the total eclipse will be another partial eclipse for over an hour.
6.Notice, before and after totality, strange shadow effects visible on lightly colored, flat surfaces. These are called shadow bands. Not everyone sees the shadow bands; they are hard to spot.
7.Lie in a recliner or deck chair or on a blanket. The best way to view a total solar eclipse is from a lounge chair that allows you to look up at the sun comfortably. A blanket spread on a hillside will work well, too.
8.Try to relax, and be ready to see a lot as totality approaches and the sun becomes a sliver of light.
9.Feel the temperature drop noticeably. There will be a slight chill in the air.
1..Watch for birds, insects and other animals. They will think it is time to go to bed.
1..Watch to the West as totality gets closer. You may be able to see the shadow of the moon sweeping toward you at over 1,800 miles per hour. As the shadow silently sweeps over you, it will get as dark as being outside during a full moon.
1..Wait until someone yells, "Diamond ring," or "Second contact." Then it is safe to look at the sun.
1..See the last bit of the bright sun going out and the corona shining around the dark moon. This is called the diamond-ring effect.
1..Look for the bright red dots around the edge of the moon. These are called prominences. Binoculars will greatly improve your view, as will a small telescope.
1..Look for the white crown of light around the moon. This is called the corona.
1..Look to the north and south poles of the sun - the corona will be shaped in a brushed fashion.
1..Look at the east and west edges of the sun - the corona will have streamers reaching out.
1..Look for bright planets and stars briefly.
1..Look at the horizon and sky color. You will see sunset all around going to twilight sky toward the eclipsed sun.
2..Watch as new prominences grow out of the opposite side of the moon as the total eclipse nears completion. A brilliant diamond-ring effect will appear at the end of the eclipse. The sun's shadow will race off towards the east.
2..Do not look at the sun anymore.
2..Start planning for your next total solar eclipse excursion. 
Total solar eclipses are when the moon gets in front of the sun and covers the brightest part. Total solar eclipses last only a few minutes.
Medium- to high-power binoculars are recommended. 
Do not look at the sun before and after the total solar eclipse.
When viewing the sun with binoculars or a telescope, use under the guidance of an expert only. 
Viewing a Partial Eclipse

2..Find out when a solar eclipse will be visible from your location or when an eclipse is happening nearby.
2..Pick a viewing area that is not too crowded and has a good view of the sky. There should be no trees or buildings between you and the sun at the time of day the eclipse takes place. (You can check this the day before or earlier.)
2..Make an indirect viewing system, which is similar to a pinhole camera. (See the next section.)
2..Turn your back to the sun and let the sun shine through the pinhole.
2..View the eclipse as it occurs by looking at the image that is projected onto another object. 
The best way to enjoy a partial eclipse is to view it with someone who has the right equipment and knows how to safely view the sun.
Visit your local planetarium or observatory to find out more about clubs and any activities they may be running that are related to the eclipse. 
Making an Indirect Viewing System

2..Get two sheets of white paper. Stiff cardboard is best.
2..Punch a small hole in the center of one of the sheets. The hole should be about the size of a pencil point.
3..Turn your back to the sun and hold the sheet with the hole up so that the sun is shining on one of the flat sides and through the hole.
3..Hold the second sheet in the shadow of the first, about 1/2 meter (2 feet) away. An image of the eclipsed sun should appear.
3..Move the sheets closer to each other to get a smaller, sharper image. 
You can also find many indirect viewing systems if you look at the shadows of porous things such as the leaves of a tree or holes in a hat's shadow.
Using binoculars, one can create an improved projection system. Focus the shadow of the binoculars on the paper about 2 feet away. This method is harder to get right, but the resulting image is much better. 
Warnings: DO NOT look through the binoculars - look at the projected image. Looking through the binoculars at the sun will damage your eyes. 
Overall Tips:
Solar eclipses are rare celestial events that are well worth seeing.
There are three types of solar eclipses. Partial solar eclipses are the most common and occur when the moon blocks a portion of the sun. Annular solar eclipses are when the moon gets in front of the sun but is too small to cover the brightest part. Total solar eclipses are when the moon gets in front of the sun and covers the brightest part. Total solar eclipses last only a few minutes.
Before and after total and annular eclipses, there is a partial solar eclipse that lasts for over an hour.   
Overall Warnings: You must not look directly at the sun. Use a proper solar filter or an indirect viewing system. 

How to Know the Rules of Dating for Women

1.Don't cut or color your hair at the beginning of a relationship. Your new love interest might be nice about it, but he won't like it.
2.Wear whatever you want - just wear it well. Don't try to squeeze your size 10 body into a size 2 dress. Be proud of who you are.
3.Say what you mean. Subtle hints are scary and are often misinterpreted.
4.Remember, your date can't read your mind.
5.Find out who does the laundry. If a guy's old girlfriend or his mom is sorting his socks, you'll know he's not ready for a relationship.
6.Don't be too available. Men are hunters, remember?
7.Don't talk about your ex, reveal your deepest darkest secrets, complain a lot, or interrupt - and don't tolerate that kind of behavior from your dates.
8.Be yourself. No bragging, no lying - you'll get busted sooner or later.
9.Tell your date what you like about him. Stroke that ego a little, will ya?
1..Be considerate – for example, call if you'll be late. Expect the same from your date. And if he doesn't deliver, get rid of him. You deserve better. 
Don't drink too much on a date. Of course, you're nervous - but you're also sloppy and talk too much when you do that.   

How to Spell-Check a Web Page Using Netscape Composer

1.Start Composer and choose Open from the File menu. Locate the page and double-click to open it.
2.Click on the Tools menu and choose Check Spelling, or click on the Check Spelling button on the toolbar.
3.Make any needed changes suggested by the spell checker.
4.Choose Replace to replace a single word.
5.Select Replace All to replace all instances of that word in the page.
6.Click Ignore to skip over that single word. Choose Ignore All to ignore all instances of that word in the page.
7.Add correct names or words not recognized by the spell checker by clicking on the Learn button. Then, when you use the spell checker again, it will recognize the words.
8.Save the file and click on the Preview button to view it in the Netscape Navigator browser. 
If you want to add words to the spell checker even if they're not used on a particular page, click Edit Dictionary.
The spell checker won’t catch grammatical errors. Reading the text out loud to yourself may help you catch grammatical errors, or you can ask someone else to proof the page.
Words that are grammatically incorrect but are correctly spelled ("your" in place of "you're," for instance) won't be caught by the spell checker.   Steps:
1.Start the Dreamweaver program and open the page to be checked.
2.Open the Text menu and choose Check Spelling, or press Shift+F7.
3.If the checker stops on a word, you have several options. Do one of the following:
4.Add the word to the dictionary by clicking on the Add to Personal button. (Do this if it's a commonly used proper noun or foreign word, such as your last name.) The checker will no longer think the word is misspelled.
5.Skip this instance of the word by clicking on the Ignore button.
6.Skip all instances of this word by clicking on the Ignore All button.
7.Change the word by either typing in the correct word or choosing a word from the list presented. Click Change to change this instance; click Change All to change all instances of this word.
8.Click Close when finished. 
Tips: The default dictionary is English; however, you can download other languages by visiting the Dreamweaver Web site. 
Warnings: While spell-check functions will catch most spelling errors, they will not catch grammatical errors or words spelled correctly but out of context. For good measure, read the content out loud or have someone read it to you. Another trick is to read the text backward.   

How to Board a Keelboat

1.Position the boat so that one side of its hull lies alongside a dock.
2.Locate the shrouds.
3.Angle the boat so that the shrouds are within your reach.
4.Grab the upper shroud with the hand that's furthest from the cockpit.
5.Place the corresponding foot on the hull. If the hull is more than a foot above the dock, you may want to balance the arch of your foot on the rail, rather than placing your foot flat on the deck.
6.Pull yourself aboard.
7.Find a handhold for your other hand, and grab it as you come onto the deck.
8.Place your other foot on the edge of the deck.
9.Step over the lifelines, if the boat is so equipped, and onto the deck. 
Tips: You may need to try boarding larger boats more than once. Be prepared to step back onto the dock if your first attempt fails. 
Warnings: Lighter keelboats may tip somewhat under your weight. Be prepared. 

How to Use Essential Oils

1.Test for skin sensitivity by doing a patch test. Put a little bit of diluted oil in the bend of your elbow and wait 24 hours to see if itching or redness develop.
2.Use essential oils in the bath by adding three to eight drops to the tub, depending on the oil. Add it just before you get in and soak for at least 10 minutes.
3.Use oils as an inhalant to treat congestion (try eucalyptus) or stress (try peppermint or sandalwood). Put four drops in a bowl of hot, almost boiling water. Drape a towel over your head to make a tent and breathe in the steam for a few minutes.
4.Make a foot bath with five to seven drops of oil in a quart of warm water; soak for about 10 minutes. Try lemon, mint, tea tree or juniper oil.
5.Put 20 drops per 5 oz. of water in a spray bottle to make a room spray, or add a drop or two to a basket of dried flowers.
6.Put a drop of oil on a hot lightbulb - but don't try this with halogen lights.
7.Create a blend for massage by adding 10 drops of oil per 1 oz. of diluting oil, also called a carrier oil.
8.Make up a massage oil using apricot or 100 percent extra-virgin, cold-pressed olive oil for normal skin types. Try aloe vera or coconut oils for dry skin.
9.Use grapeseed oil in blends for skin that tends to be oily.
1..Don't use mineral or baby oil as a carrier; they don't absorb well. 
Be cautious about putting essential oils on your skin, particularly citrus oils. They are highly concentrated and can cause serious reactions.
Store your essential oils away from heat and light. Refrigerate all vegetable oils. 
Keep all essential oils away from your eyes, nose and mouth, and out of the reach of children and pets.
Exercise extreme care when using essential oils on the elderly, pregnant women, children or those with health problems.
The oil is processed by the liver and may be damaging with prolonged use.   

How to Invest in IPOs

1.Find the S-1 registration statement on file with the Securities and Exchange Commission. Generally, you will be able to find the statement at Free Edgar (see Related Sites).
2.Read the section about underwriters, and note which brokerage firms are participating in the IPO.
3.Call the brokerage firms and tell them that you will consider setting up an account with one of them if that firm will let you buy stock in the IPO.
4.Be prepared for rejection. Most brokers let only their top clients buy into an IPO.
5.Find out whether online discount brokers are playing a distributor role in the IPO. If so, they may be willing to let you buy shares if you will establish an account.
6.Open the account.
7.Tell the broker how much you plan to invest in the IPO.
8.Keep an eye on Web sites such as as the expected offering date nears. You will learn the price range in which the company plans to sell shares and the date the offering is expected to take place. 
Tips: Hang onto your stock for at least 60 days after the offering. Brokers get angry with people who "flip" a stock - buy it in an IPO and sell it immediately for a quick profit. They may not let you in on the next IPO in which they participate. 

How to Choose a Martial Art

1.Scan a martial arts encyclopedia (or try an Internet search engine) to gain a quick overview of martial arts styles.
2.Determine if the martial art is a "hard" or "soft" style. Offensive techniques, such as punching and kicking, indicate a hard style, which tends to be physically intense. Defensive techniques, such as blocking and redirecting, indicate a soft style, which can be less physically challenging and suited to older students and those with physical limitations. See "Tips" for examples.
3.Identify techniques as either striking or grappling. Striking is attacking with fists, feet, elbows and knees. Grappling uses joint locks and throws to control an attacker.
4.Delve into history to understand cultural differences. For instance, high kicks in Tae Kwon Do began as a way for foot soldiers to attack mounted soldiers. Does the legacy of any of the arts appeal to you more than others?
5.Create a summary table to compare and contrast your findings.
6.Assess your physical condition. Do you have any physical limitations that might affect your ability to practice a certain martial arts style?
7.Watch practitioners from the various styles that interest you before making a choice. Many schools have an observation area, so you can watch while a class is being taught. Ask permission first.
8.Summarize the information you have learned and match your preferences to a martial arts style that supports your physical state and long-term interest. 
Aikido is a soft, grappling style suitable for older practitioners or those with physical limitations.
Karate is a hard, striking style that includes weapons training such as nunchuks - short, baton-like handles linked together with a chain.
Tae Kwon Do is a hard, striking style from Korea that also teaches joint locks and vital point striking.
Jujitsu is a soft, grappling style that emphasizes using the least amount of force necessary to defeat an opponent.
Kung Fu (also known as Wushu) can be hard or soft, striking or grappling: over 400 styles exist.
Judo is a soft, grappling style based on Jujutsu; its purpose is to use a calm and serene mind to defeat an opponent.
Tai Chi is a soft, defensive style that has strong philosophical principles, stressing harmony with nature and fellow humans. 
Warnings: Consult a physician before beginning any exercise regimen. Remember, the practice of martial arts can be dangerous, so use caution at all times. 
Overall Warnings: If you have any condition which would impair or limit your ability to engage in physical activity, please consult a physician before attempting this activity. 

How to Report Child Abuse

1.Report child abuse even if you have just a suspicion that there is a problem. It is better to make a mistake than to let a child be harmed or even killed.
2.Make the report immediately.
3.Understand that certain people are required to report suspicion of child abuse. These people include teachers, doctors, health care workers and counselors. Failure to make a report could lead to criminal charges.
4.Contact the agency in your state responsible for handling reports of child abuse. Many phone books list this agency in the front of the book, near the emergency numbers.
5.Call the National Hotline for Child Abuse at (800) 4-ACHILD to make the report if you cannot find a number for your state agency. You can also get the local number from this hotline. If for some reason you cannot get through or the state agency cannot help you, call your local police department and explain the situation.
6.Do not confront the person you suspect. This action could endanger the child even more.
7.Stay out of the situation, but make the call and let people who specialize in this area handle it.  
Tips: Many people are hesitant to become involved in other people's problems. Child abuse is a problem that affects our entire society. If you suspect it, report it.    

How to Use Voice Commands in Mac OS 9

1.Connect an Apple PlainTalk or USB microphone to your Mac, unless you have a built-in microphone. Position any external microphone within three feet of the speaking source (you).
2.Make sure you select the proper microphone in the Monitors and Sound control panel.
3.Open the Speech control panel and turn on Speakable Items. Follow the directions for choosing your settings.
4.Set the button for how your Mac listens for commands: the default is pressing the Esc key and speaking a command. You can choose another "listening key," or have your Mac listen all the time. (See Warnings).
5.Set how the computer gives you feedback. You can have the "feedback window" write out your command, have your Mac make a sound when a command is recognized, or (by default) speak a response to your command. 
The Speakable Items folder stores all of the commands your Mac will recognize and the names of the files, folders and applications it will open on command.
You can drag an alias (document, folder, application, AppleScript) into this folder and it will become a Speakable Item. Drag the alias out of the folder to reverse the process.
If you can't find the Speech control panel or the Speakable Items command, make sure these have been installed. You can add them using the Custom Install option on your Mac OS CD. 
Warnings: If you set your Mac to listen for commands all the time, be sure you remember that anything you say or do can be used against you! It's best to set your Mac to execute a command after a specific greeting, such as "Hey, computer."