Home Computer Maintenance – Remove Unwanted Programs

Do you like to download trial games online? Have you bought cheap games off of the discount rack only to find out after it was installed that the graphics were poor, the game was boring, and then you never really played it anymore? Have you just bought a new computer and do not like the programs that were pre-installed? Part of good home computer maintenance is keeping your computer free from unwanted or unneeded programs that are not used and keep on your computer taking up valuable space and resources.

Removing these programs is not difficult, Windows provides a tool that makes it easy to find and remove the programs. However, when these programs are uninstalled many times the registry keys are not properly cleaned. So, as part of your home computer maintenance routine you'll need to have a good quality registry cleaning software since basically editing the registry could be hazardous, or fatal, to your computer if you do not know exactly what you are doing. Many times you'll download a free trial game, or other software, that you are only able to use for a certain period of time and then the program is forgotten about and gets lost in the background. These programs may not take up much space on your hard drive, but they will build up and can diminish the performance of your computer over time. Even if you do not see these programs and have deleted the shortcuts to them off of your desktop that does not mean they're not still on your computer taking up space. Your computer still has to process the program's information and settings. During your computer computer maintenance routine you can click on the start button and look for control panel, or right click on My Computer and click on "explore" to look for the control panel. Once you find the control panel click on add or remove programs and a window will come up with a list of all the programs installed on your computer.

Scroll through the list of programs and you can identify which games, or other software, that you have installed and no longer use. When you click on the program it will highlight and there will be a button that says change / remove, click this button and follow the prompts to uninstall the program. Sometimes, on larger programs you will be prompted to restart your computer after the uninstall, go ahead and restart your computer to finish. On new computers you may want to get rid of some of the programs that were installed from the factory that you will never use. Now you have just freed up valuable disk space on your computer, but you must be aware that there will be registry entries, that at this point, belong to what are now deleted programs. These registry entries are not harmful to your computer however, they will clutter the registry and slow processing time. If you are not familiar with editing the registry it is strongly suggested that you do not try, as any mistakes can cause your computer to act erratic or completely crash. It would be a good idea for you to purchase a good registry cleaning software package, or try to find a good free registry cleaning software. There are some good free registry cleaners available, but you need to be careful when shopping around for them because you could contract that that you do not want, or download a free scanner that will not finish the job until you purchase the full software. The ideal thing that you would want to do is invest a small amount of money in a good all-in-one home computer maintenance and security software package that will clean, scan, protect, and secure your computer keeping it running like the day you took it out of the box. If you take your home computer maintenance seriously, you should be able to get the full life out of your computer that you paid for without the problems and headaches that a cluttered and infected computer will bring.

Teen Issues – Pads, Liners, and Liners

Once you begin menstruating, you'll need to use a pad, tampon, or both. You may want to use only pads, only tampons, or both. Most girls find it useful to use pads during days of light flow, or when their period first starts. Tampons are usually used during times of heavy flow, or while swimming and other physical activities.

Liners: A thinner pad designed for days of lighter ministration.
Pad: An absorbent piece of material worn by a girl while she is menstruating, to absorb the flow of blood from the vagina.

Instructions: The following are general instructions on how to use disposable pads.

1. Remove the pad from its wrapping.

2. Remove the paper backing from the back of the pad (and wings if applicable).

3. Pull panties down to access crotch area.

4. Firmly press the pad into the crotch of your panties (middle area which Touches your vagina) quilted side up.

5. Change pads every 4-6 hours. Also change your pad if you feel leaks, or it becomes uncomfortable.

Tampons: A tampon is a disposable plug that a woman inserts into her vagina during her menstrual period to absorb the flow of blood.

Instructions: The following are general instructions on how to use disposable pads.

1. Sit or stand in a comfortable position, you can try propping your foot on the bathtub, or toilet seat. Be sure to relax, this will make insertion easier. Hold the tampon by the larger tube with the string away from your body.

2. With your other hand pull back the skin around your vagina, and position the tampon in the vaginal opening.

3. Gently push the tampon into your vagina until the outer tube is completely inside your vagina.

4. Once the outer tube is inside, use your index finger to push the inner tube through the outer tube.

5. Once the inner tube is inside, use your thumb and middle finger to remove the outer tube, leaving the string hanging outside of your vagina.
Removal: To remove the tampon site on the toilet, and gently pull the string until the tampon is out.

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How to Manage Your Personal Finances – Retirement Capital Requirements

Many articles have been written about the subject of retirement planning and there are many books published by experts on this very important issue. I have just recently joined the fold of the retired group and I have been through the mill (so to speak) of planning and implementing my retirement plan in it's initial phase. It is this, the initial phase, which I would like to concentrate on in this article.

So, how do I plan my retirement date?

Most companies have contractual dates for retirement. For example, retirement ages could range from 55 years old for early retirement to 60 years old for Directors to 65 years old for operational staff. These dates are generally a guideline since companies do exercise some flexibility when applying these parameters. However, each individual should be using these parameters as a benchmark and then build a projected financial model to see if they are adequately provided for in retirement. Note: The use of a financial advisor is highly recommended in this planning process.

Since the above guidelines, your retirement date is in fact flexible provided that you can satisfy the golden formula which is expressed as: "Accrued income plus passive income must exceed your current cost of living plus an adjustment (up or down) for lifestyle choice in retirement plus inflation projections and sufficient liquid cash for emergencies ".

Let's face it, the thought of early retirement is in the minds of all of us but if you can not afford it, you are heading for suicide.

Let me expand the golden formula as follows:

  • Accrued income is the monthly pension or income that you can derive from your pension accumulation through your working life. This figure will be provided to you by your pension fund or your investment institution.
  • Passive income is income from investments that you made through your working life. Here you consider regular income from property investments, equity investments, dividends, savings interest, business partnerships and any other form of reliable income which you will derive on a monthly basis.
  • Current cost of living is the full annual cost of your current lifestyle. Be extravagant in estimating this figure and be sure to include everything that you incur as a cost.
  • Adjust your retirement requirements up or down depending on your circumstances and your intended lifestyle in retirement.
  • Make adequate provision for injury during your retirement years. Your financial advisor should project your retirement capital adequacy over your expected lifespan.
  • Ensure that you have a 'nestegg "of cash available for emergencies such as buying a new car, unexpected medical bills, renovating your house, helping your kids, taking some holidays and anything else which is relevant to your situation.

I spend many hours pondering the above elements and I suppose it is only natural to be very conservative about whether you can actually go ahead and retire. Assuming that the criteria for the golden formula are met and in order to make the decision a little easier, the following points are highly recommended:

  • You should have no heavy debt burdens. Your mortgage should be paid off, your car hire purchase agreements should be settled and you should have no major debt commitments. In fact, you should be able to live from cash out of your wallet.
  • Your "wish list" for your activities in retirement must be catered for in your planned expenditure.
  • You must not have any plans that requires you to erode your capital base.
  • You need to be sure that your monthly income is pretty secure and you need to have alternative plans if for some reason, your monthly income drops.
  • You need to be able to save some of your retirement income monthly just to prove that you are coping.

In this planning exercise, you need to budget for everything that you want in retirement. Once you have taken the step, there is no turning back if you are serious about retiring. You also do not want to find out that you can not afford some of the things which you had in your vision.

In conclusion, the most important factor in planning your retirement is to ensure that your life partner (if appropriate) is fully informed and on board with the plan and that you create a mutual acceptance and arbitration about your future in retirement.

The above article is created to stimulate thought on your own unique circumstances and you need to tailor your plan accordingly.

How to Choose Holiday Apartments For a Skiing Holiday

The growth of skiing holidays has led to a rise in the number of vacation apartments that can be selected on the internet. There are some great holiday properties in most of the ski resorts around the world.

Many families now stay in chalets when going on skiing holidays. In the past accommodation was very expensive on skiing holidays and many people were not able to afford it. In recent years there has been a tremendous growth in the number of self catering properties in skiing resorts. They have now opened up skiing to a whole new market place that could not afford skiing before.

Staying in a chalet on a skiing holiday can be great fun. You can ski during the day and at night sample the local night life. The property can act as a base to explore the local area and you can choose to eat what you like when you like. Most resorts now open during the summer months and the accommodation can make for a very cheap holiday. There is still plenty to do with stunning scenery, long mountain walks and breathtaking views.

By using the internet you are able to find some great vacation properties around the world. It is possible to find apartments with direct holiday bookings. By selecting your vacation property on line, you are able to compare it with the other holiday apartments available to stay in. This will enable you to get the best possible value.

By looking for accommodation on line will also allow you to see exactly what you are going to be staying in. You will be able to view pictures of your holiday apartment and also see what facilities you will be provided with during your stay. It is also a convenient way of checking out the area that you will be staying in and you will have some idea about what shops and restaurants are near to your rental home.

Holiday apartments are a great form of accommodation during your vacations. There is a tremendous choice of properties to choose from to stay in during your vacations. It does not matter if you want a cheap holiday or are prepared to stretch your budget as there are homes to suite all needs and price ranges.

When staying in a holiday chalet on a skiing holiday you can choose to eat out at the local restaurants or cook back in your holiday flat. The good thing about a self catering property is that it gives you the freedom to do what you want, when you want on a holiday.

Staying in a apartment is a great way to spend your vacations. There are some great properties by the sea, in the city centers and even by the ski slopes. There are one bedroom flats with sofa beds all the way through to large luxurious penthouse apartments. People of all ages with different needs and requirements now stay in apartments all over the world. It is no wonder that staying in a holiday apartment is now such a popular kind of holiday.