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The European lotto was in the first place founded by the national lotteries of Spain, the United Kingdom and France and was unveiled on Feb 04. The first lottery draw was on February 13th-04 in Paris. The France, Spain and the United Kingdom were the only nations partaking in the beginning but lotteries from Switzerland, Austria, Belgium, Ireland, Luxembourg and Portugal also got engaged in Oct 04.

The Euro millions lotto or the euro lotto, as it’s usually renowned, gathers the lotto ticket revenues of the 9 partaking European countries showing a huge Euro Lottery jack-pot. With the quantity of nations joining the Euro on the increase, this will without a doubt lead to even more countries partaking in the EuroMillions lotto. An increase in the amount of individuals partaking in the Euromillions Lottery will result in a continuing increase of the already huge Euro Lottery “jackpots”.

Q. How To Play The Euromillions Lotto

Each player must choose 5 main numbers from one to fifty and two Lucky-star numbers from one to nine. During the draw, 5 primary and two lucky star numbers are then selected at random from two lottery draw machines containing numbered balls.

European Lottery Winnings

The probability of scooping the Euro Lotto jack-pot is a distant 1 : 76 million but the possibility of winning a money prize is a somewhat decent one : twenty-four. When the jackpot is not won in a given lotto draw, it is carried over to the following week that will result in an ever increasing “jackpot” value. New regulations brought in on the 09-Feb-07 limit the amount of successive rollovers to 11, with the “jackpot” rolling down to smaller value levels on the 11th draw if the prize is not won.

The new rules likewise initiated European Lottery Super Draw which come about twice yearly and offer jack-pots in the region of £100 million. The difference with “Super Draws” is that the jack-pot must be collected during the calendar week of the lottery draw; this means, if there is no lotto ticket matching, all the numbers drawn and the top prize will be distributed to the ticket bearer(s) in the succeeding winning prize tier.

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“How did you see your path in life so early?” I’ve been asked, a number of times.

If I have, or if it seems I have, it’s probably because I read widely, and various insights and quotations stick with me, and I’ve used them for guidance.

One of them comes from the Edward Albee play: “The Zoo Story.”

Jerry, a key character, is lecturing someone who is sitting on a bench in New York’s Central Park.

Suddenly, he blurts out, “Sometimes you have to go a long distance out of your way to come back a short distance, correctly.”

While this notion may not seem earthshaking on the surface, I promise you, if you review your own life, you’ll appreciate the wisdom in it.

For instance, on more than one occasion I’ve left a job, or even a major career focus, only to return to it later. The second time around, my eyes are wide open, and I’m seeing and appreciating things that I just didn’t catch, at first.

Perhaps I wasn’t ready for the task, initially, or I just wanted to go back to discern if my judgments about it were correct, initially.

Anyway, it seems like an offbeat way of living, but there’s satisfaction in it.

What about those souls who hop from job to job, seemingly without focus, yet something happens to them and they see a thread in their experience, something that unifies it and gives it coherence.

Many public speakers have had this occur in their lives. They were just moseying along when something special happened, perhaps a UFO abduction, or an epiphany came to them.

And then, they just had to tell the world about it.

Observers ask them, “Why didn’t you just go into speaking straight away?” or “Imagine how much better off you’d be today if you had launched your oratorical career, earlier!”

Or, think about the person who grows up in a small town, can’t wait to leave for the big city; does it, spending the better part of his life there, yet returns in middle age to the place of his roots.

Life doesn’t always work neatly, in a linear way.

Sometimes you just have to go a long distance out of your way to come back a short distance, correctly!

Dr. Gary S. Goodman, President of Customersatisfaction.com, is a popular keynote speaker, management consultant, and seminar leader and the best-selling author of 12 books, including Reach Out & Sell Someone® and Monitoring, Measuring & Managing Customer Service, and the audio program, “The Law of Large Numbers: How To Make Success Inevitable,” published by Nightingale-Conant. He is a frequent guest on radio and television, worldwide. A Ph.D. from USC’s Annenberg School, a Loyola lawyer, and an MBA from the Peter F. Drucker School at Claremont Graduate University, Gary offers programs through UCLA Extension and numerous universities, trade associations, and other organizations from Santa Monica to South Africa. He holds the rank of Shodan, 1st Degree Black Belt in Kenpo Karate. He is headquartered in Glendale, California, and he can be reached at (818) 243-7338 or at: gary@customersatisfaction.com. For information about coaching, consulting, training, books, videos and audios, please go to =>http://www.customersatisfaction.com

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You can still get guaranteed approval credit cards for bad credit even though you have poor credit history. Many credit card companies provide credit cards with guaranteed approval for bad credit to help you improve your credit rating and at the same time enjoy the benefits of the credit cards. The limit for credit cards for bad credit varies from company to company. It is generally in the range between $5,000 and $10,000.

Application for bad credit credit cards usually does not require credit check. You are approved regardless of income or credit history. Credit cards for bad credit, however, generally have higher annual interest rates than regular credit cards. This is obviously something you should consider when selecting the best credit card for bad credit. Compare some variables such as enrolment fee, APR, credit limit, and any benefits: emergency cash transfer, extended warranty protection, etc.

Bad Credit Credit Cards Improve Credit Rating

Companies providing credit cards for people with bad credit provide monthly reports to major credit bureaus, the institutions that maintain credit history of millions of people around the country. Credit card companies usually have an integrated system that connects to these bureaus to verify the credit rating of people applying for bad credit credit cards.

By making regular payment to your bad credit credit card you are automatically improving your credit history. Try to make at least minimum amount to your credit card before the due date. After some time you will become eligible for normal credit cards and receive the benefits of good credit standing.

Credit Card Application for Bad Credit

Before applying for bad credit credit card you should be clear on the purpose of getting it. Have you already gone over-limit on your current credit cards and need a new one? Or are you applying for bad credit credit card to fix your current credit score? You should also compare various offers from credit card companies to ensure that you get the best one you need. Evaluate every item in the offer and read all terms and conditions. Often some credit cards for bad credit have hidden costs and can become very expensive in the future.

When you are ready you can fill in an application for bad credit credit card. Online application usually takes a few minutes only and you will receive an answer for your credit card request within hours of submitting.

Applying for credit card for bad credit is very easy. Click here for guaranteed approval credit cards for bad credit. Read and compare bad credit credit card special offers from various companies. Need a quick cash for emergency? Check out instant approval cash advance and get approved within hours.

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The importance of a positive, error-free credit report should never be overlooked. This becomes all the more important when circumstances are such that it becomes imperative for you to borrow money.

Yet it has generally been observed that many people remain blissfully unaware of the errors in their credit scores. The problems become more compounded when you realize that these errors could have been easily avoided or should not have been there in the first place. Imagine a situation when you want a loan for financing your house, a car, or any such major purchase, and it is declined because of a bad credit report. To avoid this, it is better for you do a regular check to see if your finances are in order in all respects.

There can be many causes for a bad credit report. For example, you may have an unpaid bill from your college years. Now, you cannot get a loan until the bill is fixed. There may be other scenarios. Consider a situation in which your spouse used your credit card to pay the bills. For whatever reason there is a divorce and you are left to pay the bills you cannot afford. This will definitely lead to a black mark in your report. Then there may be a situation in which you got some repair work done in your house, but refused to settle the bill because the work was not to your satisfaction. The irate contractor could end up placing an enquiry on your credit card history.

Sometimes the black marks could be there for no fault of yours. This can be in the case of an automatic bill pay service, which for some malfunctioning did not send you a bill. The result will be an overdue payment.

These are causes that can be avoided if you check your finances regularly and ensure that everything is in order.

Fix Your Credit Report provides detailed information on Causes Of Bad Credit Reports, Effects Of Bad Credit Reports, Fix Your Credit Report, Free Copy Of Credit Report and more. Fix Your Credit Report is affiliated with Free Annual Credit Reports.

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If you are looking to apply for a credit card, than you’ll need to ensure that you have sufficient creditworthiness. In reality, this is no easy task – so if you are having problems with this, the following 5 credit building tactics should help.

1. Open a current account

All credit card companies like to see that their potential borrowers are responsible when given the opportunity to borrow money. However, if you only have a deposit account then there is no real chance that you could ever do overdrawn. A way to correct this is to open a current account with a high street bank and use it responsibly, i.e. don’t go overdrawn! In any event, in any application you make to a credit card issuer they are going to ask you for details of your current account so you may as well take the opportunity of using the past history of your current account to help in establishing your credit rating.

2. Have all your utility bills in your name

A second way you can start to build up credit brownie points is to put all your utility bills, e.g. your water, gas and telephone bills, in your name and make sure that you pay them all on time! Again, it is very likely that the credit card issuer will ask you to provide them with at least one utility bill when you apply for the card, so you may as well make use of this now as a tactic to start building up your credit history.

3. Apply for a charge card or store card

As most charge cards require you to pay off the balance in full each month, using this as a tactic to enhance your credit history is sound. Not only are you not really afforded the chance to default on a payment, but as the details are provided to several different rating agencies you can use this to building up your credit history.

4. Get a car loan

Applying for, and repaying in a timely manner, any type of loan is one of the fastest credit building tactics you can use. If you drive, and know you can afford to repay a car loan, you should give serious thought to taking out a car loan – even if it is just to refinance repairs on your existing car!

5. Do a credit rating check

Once you have completed the 4 credit building tactics above, apply for a credit report to perform a credit check. Provided you have been sensible with repaying all of you debts and bills in a timely manner, you should now have sufficient creditworthiness to apply for a credit card. In the event that you find an error on your credit report, make sure you take step to fix this as soon as you can. Furthermore, it is good practice to get into the habit of ordering credit check on an annual basis even after your credit card has been approved to that you can keep a track of your credit rating history as this will have the biggest effect on your credit building skills!

Joseph Kenny writes for the Personal Loans Store and offer more information on secured loans and other loan topics available on site.

Visit Today: http://www.ukpersonalloanstore.co.uk

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Do you believe that the best way to deal with procrastination is to “get tough” with yourself and “just do it?” Many people take this approach. What is behind it is the sense that procrastination is essentially a character flaw, a weakness, and that the only way to deal with it is to muscle past it through sheer will. But the truth is, there is a more effective way to approach it that also happens to be much more self-respectful.

Essentially, the idea is to identify what is MOTIVATING the procrastination behavior, consider it valid, and then address THAT. For example, you may be putting off doing something because you actually do not know how to do it. The way to solve that would be to get some help. Or, perhaps you are avoiding making a particular phone call because you are afraid of the outcome. One way to address the fear is to schedule a call with someone you trust before and after the fear-inducing call, in order to have support before and after the difficult encounter.

Get the idea? Give up the character flaw idea, and look for what is really underlying the procrastination. Once you know what that is, you can usually figure out a way to deal with it, get unstuck, and get moving again.

What follows are real life examples of how two of my clients solved the problems underlying their procrastination:

PROCRASTINATION: I am not writing the letter.

PROBLEM: I want the letter to be brilliant and creative but do not feel brilliant and creative about it.

SOLUTION: “I realized it was more important for the letter to be OUT than to be brilliant. Once I decided I could write a less-than-spectacular letter, it became much easier to just sit down and do it.”

CONCEPT: Do not get it right, get it written. “Expedient” is not a dirty word. Sometimes, it serves you better to have the B+ letter out in the world already, being read, than to have the A+ letter still sitting in your word processor, unfinished, and nagging at you.

PROCRASTINATION: I am not unpacking the boxes in my new office.

PROBLEM: Boring!!

SOLUTION: “I hired my [young] daughter to unpack the boxes, shelve the books (I had to tell her where), and dismantle the boxes. She was happy to do the work and earn a little money, and she thought it was cool to help me. I was happy because we got to spend that time together AND . . . the job got done.”

CONCEPT: Delegate! If a task seems boring, it is often a good clue that this is a job to delegate. You may need to supervise or train someone to do it, but there is likely to be someone for whom the job would be a plus. Find that person and work out a deal. Delegation arrangements can be paid or bartered in infinite creative ways. Do not be stopped by failure of the imagination.

Here are the steps that you can take when tackling procrastination. Please note that each step is important. Do not under-respect any of the steps just because you think you already know how to do them. And do not underestimate how long it may take you to master some of these steps. Some people, for example, find it takes a very long time to learn how to stop judging themselves.

1. Recognize when you are procrastinating.
2. Notice if you are judging yourself for procrastinating.
3. If you are judging yourself, stop. If you are not judging yourself, acknowledge yourself for that.
4. Identify what is motivating the procrastination.
5. Solve the problem that is underlying (motivating) the procrastination.
6. Take the action that you no longer need to procrastinate.
7. Say this to yourself: “Well done!”

Good luck – and let me know how this works for you!

Copyright 2002, Sharon Teitelbaum.

Sharon Teitelbaum, http://www.stcoach.com, a Work-Life and Career Coach, works with high achieving women with young children, people at mid-career, and professionals seeking greater career satisfaction and work-life balance. She coaches by phone and in person in Boston. Her newsletter, Strategies For Change, offers practical tips for work-life success.

Getting Unstuck Without Coming Unglued: Restoring Work-Life Balance, Sharon’s first book, was published in 2005.

A motivational speaker, Sharon also also delivers keynotes & workshops on work-life issues. Clients include Children’s Hospital Boston, SunLife Financial, Arnold Worldwide, and many parent and alumni groups. She’s been featured in national publications including The New York Times, The Chicago Tribune, and Working Mother Magazine.

If you need more advice and are considering hiring a coach to help you with challenges like these, contact me for an initial consultation at no charge.

Married for 30 years, she is the mother of two amazing young women.

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Roger Bibbings, RoSPA (Royal Society for the Prevention of Accidents) occupational safety adviser, has said that firms, which refuse to improve their health and safety measures, need to be dealt with sternly, and the Health and Safety Offences Act prescribes harsher penalties to be meted out to those who are irresponsible. He was referring to the waste management sector, which records 4000 incidents per year – four times the national average.

The waste management businesses have been urged by the RoSPA to improve their health and safety standards. The industry also reports an overall accident rate of 2500 per 100000 workers, an alarming rate by any standards.

Employers need to keep themselves up to date with health and safety developments to avoid potential legal action from employers by taking a health and safety courses such as the iosh certification available from Workplace Law Training.

Mr. Bibbings is of the view that health and safety measures cannot just be taken up in an ad hoc manner by the companies but require a well-planned effort. He believes that an effort of this sort would make the sector safer and more profitable.

RoSPA is also organizing a Health and Safety in Waste Management conference next month with the support of the WAMITAB (Waste Management Industry Training and Advisory Board).

Mr. Bibbings expressed the need for businesses, which take safety precautions only because they are legally required to, to get familiar with the profitable business case for reducing what he believes are easily avertable losses resulting due to injury and ill health.

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Many people use headsets when talking to their friends and family using VOIP. VOIP stands for voice over internet protocol and it is a very inexpensive and a popular way to make phone calls from your computer or land line phone over a broadband internet connection. If you are using your computer to make phone calls, then you should definitively check out headsets for VOIP.

Benefits Of Using A Headset For VOIP
Headsets for VOIP computer calling makes it easier when on the road or at home to make free or very affordable phone calls. Headsets main benefit is that they set your hands free, enabling you to be more productive. And using a headset for VOIP is very easy! Most headsets are extremely comfortable and either fit over the head, behind the neck or is ear buds that gently fit in your ears. The difference between a cell phone headset and headset for VOIP is that a VOIP headset has a microphone RCA connector and an earphone RCA connector which is made specifically for a computers sound card. A quality headset system can dramatically improve the quality of your VOIP calls and will as well considerably reduce shoulder, back and neck strain.

Costs Of VOIP Headsets
Headsets for VOIP are extremely affordable and usually start at about $10. There are several models that are wireless if you don’t like to be connected by a cord, which makes it easier for you to walk around your room or office. Keep in mind that wireless headsets are generally more expensive than headsets connected by a cord.

Where To Buy VOIP Headsets
You can buy headsets for VOIP at all computer stores, office supply shops and online at VOIP provider shops. Ebay is also a great way to grab inexpensive headsets. Just be sure that the shipping costs are not going to cost you more than the headset! GN Netcom, Headsets.com, Jabra, Plantronics, Sennheiser and Sony are the main manufacturers of headsets and they all provide quality equipment.

What If You Do Not Want A Headset?
Headsets for VOIP are just one way to talk over VOIP. Other ways are to use a land line phone plugged into an adapter or a USB phone that plugs directly into your computer’s USB port. However, headsets for VOIP are usually the cheapest option and are the easiest to install. So if you are looking to talk over VOIP, check out headsets for VOIP, you will not regret it!

Oliver Peters invites you to visit http://voip.info-and-tips.com/ VOIP Info and Tips is the #1 resource for Voice Over Internet Protocol facts, tips and advice.

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Many people are paranoid about computer viruses and with good reason. Millions of dollars and hundreds of security leaks are propagated annually by these seemingly harmless codes hiding in various forms, from emails to games to download applications.

Basically, a computer virus is a malicious program that impairs or destroys key components of your computer. Viruses are software programs and they can do the same things as any other programs running on your computer. The effect of a virus is dependent on what its programmer wants it to do. Some viruses damage files or slow down your computer, or leak out confidential information. What viruses don’t do is cause physical harm to your computer (like making your monitor explode or melting your hard disk).

They can infect any file (not just the “program files”), even Word and Excel spreadsheet documents. They can even be spread by simple JavaScript or HTML codes on any website. The code is usually in an “.exe” form or a “.doc” file that the computer will try to open. However, a virus needs to be “activated” to take effect, hence pure data files (like pictures, sounds, or graphics that end in .gif or .mp3) are safe.

A virus does not target a few users alone; it aims to replicate itself by infecting key executable files in your hard disk and sending copies of itself out to your contacts. It usually does all these without the user’s knowledge or intention. Viruses spread by infecting the programs within one computer or infecting other computers on a network. When files containing the virus are shared, via documents or email, the virus starts the infectious cycles all over again.

How do you protect your computer and your network from being infected? While there are no absolute ways to totally eliminate your computer from virus attacks, there are a few sensible guidelines that will render your computer relatively safe from these malicious codes.

First, always treat files or email with an executable code with caution. Run a virus scan on the file first before opening the attachment or the .exe file. If you receive an unexpected executable file via email, delete it unless you are sure of the content.

Second, disable the feature on your email that automatically opens and runs executable files that it receives. Third, invest in good antivirus software from a reputable and well-reviewed company. Run this regularly and update it at least twice a week because new viruses do come out every day! If you can install a scanner software that can check for viruses every time you start your computer, all the better. Fourth, refrain from accepting executable files and programs from chat sessions, as most users get viruses this way. Make sure you back up your hard drive because some viruses can completely erase these in less than a minute.

If you are really worried about traditional viruses, you may want to change your operating system to something like UNIX. It is also best to buy software from CD’s instead of downloading them from the net, because viruses can infect CD files.

Michael Russell

Your Independent guide to Computer Training.

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Mothers day just around the corner, and it is the ideal date to show your mom just how much you care. Sadly though, with individuals all over the UK feeling the “credit crunch”, so splurging on Mothers day may be out of the question. Don;t worry just yet, since mums can be very understanding and she won’t bother. It’s not about the money though, just spending time with your mum and letting her know how special she is enough for most moms. There are plenty of things you can do that don’t cost any money like making her a meal, helping with chores or even bringing her breakfast in bed.

Cheap gifts for mothers day under £10 are a common thing, infact there is some much to choose from you may just have difficulty choosing. Chocolates or flowers are also inexpensive and are always a lovely thing to do for mum on mothers day. However if you are not feeling the pinch for mothers day then you may want to get your mum something great, then there are plenty of amazing gift ideas for mom like pampering days, or some expensive beauty products are also a good present for mothers day.

You could also get your mum something she would find useful around the household or something thoughtful like a photoframe with a photo in it. Whatever gift you decide to get your mom for Mothers day 2009 just make sure you put a bit of thought into it.

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