Major Causes Of Erection Problems That Every Men Should Know

Erection problem is one among the common reproductive disorders characterized by inability to get or maintain an erection. Persisting condition of this health disorder is medically termed as erectile dysfunction or impotence. Impotence problem can be either temporary or permanent. If left untreated, this health disorder can lead way to several physical as well as psychological problems in men. In most cases, erectile dysfunction trouble won't affect natural libido in men. As per studies, erection process occurs due to the joint action of hormones, nerves, brains and blood vessels. Failure of any one among the former functions can cause this health disorder in men. Both physical as well as psychological causes play equally important roles in forming erectile problems.

High stress condition is a main psychological cause reported for the formation of erectile problems in men.

Lack of assertiveness, major life changes, financial problems and relationship difficulties are some among the common risk factors reported due to high stress condition. Apart from inducing reproductive disorder, persisting high stress condition can make you short-tempered. Lack of concentration, poor judgment and constant worrying are other risk factors induced on person due to high stress condition. Unrealistic expectation about relationship is found to be as another psychological cause leading way to erectile problems. This psychological disorder makes your relationship a task rather than a pleasure. This in turn can give rise to issues in future life.

Nerve damage due to prostate surgery is found to be as an important cause for the formation of erectile problems. This condition is mainly seen among those patients suffering from prostate cancer. It reduces the number of sperm count and leads way to infertility risks in later life. Over consumption of alcohol is a common cause reported for the formation of erectile problems. It impairs the functioning of nerve cells and decreases the functioning of reproductive organs. Apart from causing impotence problem in men, over consumption of alcohol can also lead way to health disorders like blindness, loss of balance and impaired ability to learn. Similar to alcohol, over use of nicotine and cocaine also contributes in the formation of erectile problems. Patients suffering from impotence problem are advised to limit or cease the use of nicotine, alcohol and cocaine.

At present there are lots of herbal products available in market boasting better functioning of reproductive organs. Booster capsule is a best recommended herbal cure for treating erectile problems. It can be described as a perfect medicine to promote the overall wellbeing of person. Active composition of herbal ingredients included for the preparation of booster capsules are well known for their aphrodisiac properties. It improves the desire level of person and helps to last longer in bed. As per research made on patients, hormonal imbalance is found to be as a main cause contributing for reproductive disorders. Intake of booster capsule maintains hormonal balance and prevents the risk of erectile problems. Improving blood circulation throughout the body is an important advantage of using this herbal supplement. Intake of booster capsule improves the energy level of person naturally without inducing any adverse action on user.

Find effective Erectile Dysfunction Pills. Also know Erectile Dysfunction Herbal Remedy. Read about Herbal Treatment for Erectile Dysfunction.

Source: http://health.ezinemark.com/major-causes-of-erection-problems-that-every-men-should-know-7d33d2b8bf15.html

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Computer Science Alumnus is Hardwired for Entrepreneurship ...

[unable to retrieve full-text content]Follow us on Facebook! Check out our Youtube! Florida Institute of Technology ... In a room filled with friends, students, Florida Tech faculty and staff, and business leaders from the community, Travis shared his passion for entrepreneurship and his path to success. Having grown up on a ranch in a very small town in ... It was the first time they had to lay people off and Travis spoke of how it felt like a personal failure. He said the crash forced him to think about how to ...

Source: http://blogs.fit.edu/blog/academics/business/alumni-business/computer-science-alumnus-is-hardwired-for-entrepreneurship/

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HBT: Prior will attempt 'one more comeback'

From Nick Cafardo?s Sunday notes column in the Boston Globe:

Mark Prior, RHP, free agent ? He will likely attempt one more comeback. He spent some of last season with the Yankees, his rebuilt arm holding up well and getting his velocity into the low 90s. But Prior, who was the?Stephen Strasburg?of his day, has a new problem. After many weeks of trying to figure out what was wrong with the lower half of his body, he had surgery for a sports hernia, but the problem wasn?t completely corrected. He is working out near his home in San Diego, trying to figure it out. He will likely work out for teams as early as March.

Prior, the No. 2 overall pick in the 2001 MLB Amateur Draft, registered a promising 2.25 ERA, 0.75 WHIP and 15/4 K/BB ratio across 12 minor league innings last year. He hasn?t appeared in a major league game since the 2006 season, but he could score a spring training invitation if he?s healthy and throwing well before spring training concludes.

Source: http://hardballtalk.nbcsports.com/2012/02/05/mark-prior-expected-to-attempt-one-more-comeback/related/

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Recommendations For Getting A lot more Organization Back Into ...

Should you be wondering how you are able to make far more time to complete the items that happen to be actually essential to you then being organized could be the key. This post provides some great tips on finding your life in order.

Having good organization abilities can make a terrific distinction to your life. An organized life can help set time out for you also as for enjoying several activities. But using the hustle and bustle around us, how can you be organized in life? You will discover some significant recommendations which can help bring greater organization back inside your life. Some significant ones involve:

Having a checklist, this really is incredibly useful to organize all critical factors. Furthermore, this really is a single in the easiest organizing ideas there is and assist to de clutter every one of the mess about you. It?s helpful to write down almost everything which you urgently want on a piece of paper and preserve it safe. With the advent of technology, this organizing tip is made even much easier and may be readily performed by setting reminders on your laptop and mobile phone.

Keep all essential documents and notes in 1 place. If all the vital data is stored on a laptop or possibly a laptop then it truly is extremely vital to save files in just one folder to ensure that you understand exactly where to access them very easily after which back them up effectively and cost effectively. This quite quick step will help save invaluable time, dollars at the same time as frustration.

Use sticky notes as reminders. These have the capacity to become placed anyplace. They?re also obtainable in an array of unique colors and therefore be applied to categorize a variety of distinctive points. Sticky notes are also exceptionally beneficial when organizing a desk. One example is, they are able to be readily stuck on the inside of a mirror of the vehicle and aid give a reminder to you in regards to the standard servicing from the automobile.

Use visual memory. This is a fantastic organizational tool for jogging and triggering up lengthy targets and dreams that you want to achieve in life. For instance if you would like a dream vacation in Rome a single day, you can very easily preserve a poster of Rome within your room to let it be a steady reminder on a daily basis. This visual impact will likely be terrific for aligning all your dreams also as thoughts and actions and greatly help you in working towards all of your wishes and goals each at a conscious as well as a subconscious level or state.

Use timers and alarms for steady reminders. These are fantastic for remembering all the essential factors that you simply must do daily. These alarms is often used to remind you of an essential meeting or deadline. They are able to also be utilized efficiently to remind you which you ought to send clothes to the laundry service shop or which you have to meet up a buddy at a hangout for a cup of coffee. Both timers and alarms are wonderful for bringing a lot more organization back into your life. They?re able to also be turned on to assist you get prepared for an crucial meet up.

Looking on how to be far more organized in life? Then use these quite very simple and uncomplicated time and get started organizing today!

Our internet internet site, how to be organized in life, is filled with valuable facts and has even more strategies on freeing up your time just like organizing a desk and time management principles.

Source: http://articlescast.com/self-improvement/organizing/recommendations-for-getting-a-lot-more-organization-back-into-your-life

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FCCLA Saves ? The way to cure symptoms of acid reflux

by Carell on February 3, 2012

Gerd can be a intestinal ailment sustained by way of countless individuals in the event the belongings inside tummy adhering to taking such as the actual stomach fatty acids pushes backside in the esophagus plus throat. That health issues can be known while Gastro Esophageal Regurgitation Ailment (GERD). The individual encounters symptoms of heartburn due to the backside action inside stomach fatty acids most of the time inside of a 7 days. That backside rush inside stomach fatty acids is simply because of your underperformance inside esophageal sphincter lean muscle as well as gastro esophageal device.

Among the very first steps to consider to treat heartburn or acid reflux is always to help to make lifestyle variations. Keep away from dinners of which work as invokes for that heartburn or acid reflux. These could include spicy dinners, chocolate bars, acidic dinners similar to oatmeal plus garlic, deep-fried dinners plus alcohol. End tobacco use, plus get slimmer if neccessary. Taking smaller sized foodstuff, a great deal more typically helps to reduce the twelve signs plus signs of heartburn or acid reflux. In the event lifestyle variations may not be enough to treat your heartburn or acid reflux, these level is always to consider medication. Regular over-the-counter medications include antacids, or maybe foaming realtors. Antacids employ a combination salts for you to counteract the actual acid solution with your tummy, foaming realtors operate by way of addressing your tummy liner along with polyurethane foam to avoid flow back.

Among the best all-natural acid reflux cure is always to alter your weight loss plan plus lifestyle. Gerd sometimes happens via inadequate weight loss programs, stress, with an harmful lifestyle. Among the more crucial all-natural treatments intended for heartburn or acid reflux is definitely probiotics. Probiotics assist to take care of the actual bacteria which can be recent from the intestinal process. As soon as these kind of smaller men are via stability, it might lead to a variety of bloating such as heartburn or acid reflux. Many men and women statement lowering inside of a several points during commencing all-natural heartburn or acid reflux treatments. Ingesting natural yoghurts plus buttermilk are excellent strategies to pull in probiotics by natural means.

An effective approach to changing the actual training inside tummy as well as handling your situation is always to have a sensible weight loss plan and utilize all-natural treatments intended for heartburn or acid reflux. There are various different types of health-related therapies accessible for individuals who endure gastro-esophageal flow back health issues, however the safest shows associated with managing the problem stay all-natural treatments intended for heartburn or acid reflux. Try and exclude coffee, spices, oily dinners plus acid some fruits from your weight loss plan plus reduce using alcohol. Keep away from tobacco use, since it may additionally deteriorate your situation. Try and modify man made medications along with all-natural treatments intended for heartburn or acid reflux and carry with healthful, carbs abundant dinners with your acid reflux weight loss plan.

Gerd has brought it?s treatments as well as other weight loss plan programs can easily give some useful effects nonetheless along with the incredibly proven fact that those which are typically in intense irritation and it is absolutely no basic available for the kids. They may be not really lead with lots of possibilities. With most straightforward words you can suggest that surgical treatment makes it possible for tummy for you to conduct themselves or maybe operate in this a method in which them blocks acid solution form seepage with in the primary portion accepted as esophagus. Unquestionably, these kind of health-related words may not be easy to knowledge but just slightly analyze the following then there?s generally valued. At the least to get a truthful principle is frequently much better than clear arms.

Gerd surgical treatment involves easy health-related methods plus it offers lasting effects for those who definitely are continually disturbed with the problem. Gerd surgical treatment is mandatory for those along with continual different types of heartburn or acid reflux, yet it is also ideal for others along with far less serious different types of your situation.

One of the most typical kind of GERD surgery will be fundoplication. This sort of heartburn or acid reflux surgical treatment involves sculpting the actual wall space inside esophagus from the area nearby towards the tummy, thus expanding the tension close to the reduced esophageal sphincter. By means of expanding the tension inside nation level among the actual esophagus plus tummy, heartburn or acid reflux surgical treatment prevents the content materials inside tummy via growing to be spun out up, from the esophagus as well as throat. 1 additional procedure found in heartburn or acid reflux surgical treatment involves sculpting the actual esophageal device. By means of undertaking consequently, the actual device can easily successfully close the actual esophagus, stopping the actual flow back associated with stomach acid solution there.

The target inside heartburn or acid reflux surgical treatment is always to bring back reduced esophageal sphincter backside to a confined lean muscle so that you can offer being a obstacle among the actual tummy plus esophagus. The minute reached by means of operative mend, it can return back once again to the normal execute and then there may very well be absolutely no flow back associated with stomach belongings towards the esophagus.

Tiny could be accepted in regards to the strategies to end heartburn or acid reflux, but it surely does not imply men and women have to be ignorant in regards to the threats inside problem. Through mastering a great deal more concerning this health issues it is possible to assist yourself as well as your adored styles to avoid it?s affair. It can be by no means too delayed to reveal info together with your adored styles, the majority of especially when them problems their own health and fitness. surgical treatment intended for heartburn or acid reflux is answer. In truth, it?s actually a major answer which can even be kept by means of far less intrusive methods.

Source: http://fcclasaves.org/the-way-to-cure-symptoms-of-acid-reflux/

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Junglee Launches in India - a New Online Shopping Service by ...

Amazon.com, Inc. (NASDAQ: AMZN) today announced the launch of Junglee, a new online shopping service enabling customers to find and discover products available in India. Junglee organizes product selection from Indian and global brands, and features buying options from online and offline retailers, including Amazon.com, in one convenient place. To start shopping on Junglee.com, visit http://www.junglee.com/ . Massive Selection Customers will discover massive selection when shopping on Junglee.com. At launch, customers can shop more than 1.2 crore products and view buying options from hundreds of online and offline retailers, including Homeshop18, UniverCell, Hidesign, Gitanjali, The Bombay Store, Fabindia, Bata India Limited, Dabur Uveda, Microsoft India Store, Reebok, and Amazon.com. The selection on Junglee includes more than 90 lakh books, and 30 lakh products from more than 14,000 Indian and globa
l
brands. Junglee features more than 25 product categories, including mobile phones, cameras, toys & games, baby products, books, music, movies & TV, clothing, and jewellery. Customers can also discover Kindle - the #1 bestselling e-reader in the world. "We are excited to give customers in India a single online starting point where they can shop a wide selection of products sold by local and global retailers, and make informed purchasing decisions," said Amit Agarwal, Vice President, Amazon.com. "We're relentlessly focused on constantly improving the customer experience and growing selection every day, making it convenient for customers to find anything online." Unique Discovery Junglee directly integrates with online and offline retailers to list their entire selection of products available in India and leverages Amazon's search technology to make it convenient for customers to navigate the selection and find what they are lookin
g for
quickly. Junglee also uses the same recommendation engine technology as Amazon.com, providing customers with unique ways to discover products, such as displaying the "Most Frequently Viewed Products" or "Customers Who Viewed This Product Also Viewed." Junglee aggregates detailed product information including customer reviews, price, and shipping speed across multiple sources, including Amazon.com, so customers can research products and evaluate buying options to make an informed purchasing decision. Customers can also write their own reviews, read millions of real-time customer reviews from Amazon.com, "Like" products or sellers, and share products through Facebook, Twitter and email. Customers Choose Where to Buy Customers can buy products online by following the link to the seller's website or find a seller's physical store if they would rather purchase the product in person or call the seller and place an order by phone. "We're excited
to add
our product selection to Junglee.com and leverage the world class e-commerce technology to help customers in India easily discover our products online," said Mr. Rajeev Gopalakrishnan, Group Managing Director, Bata India Ltd. "We love that Junglee.com makes it so easy for customers to search our complete catalogue as they browse the wide selection of products available on the website. Additionally, we look forward to getting feedback on our products from customers through reviews on Junglee.com."Notes to EditorAbout Amazon.com Amazon.com, Inc. (NASDAQ: AMZN), a Fortune 500 company based in Seattle, opened on the World Wide Web in July 1995 and today offers Earth's Biggest Selection. Amazon.com, Inc. seeks to be Earth's most customer-centric company, where customers can find and discover anything they might want to buy online, and endeavors to offer its customers the lowe
st
possible prices. Amazon.com and other sellers offer millions of unique new, refurbished and used items in categories such as Books; Movies, Music & Games; Digital Downloads; Electronics & Computers; Home & Garden; Toys, Kids & Baby; Grocery; Apparel, Shoes & Jewelry; Health & Beauty; Sports & Outdoors; and Tools, Auto & Industrial. Amazon Web Services provides Amazon's developer customers with access to in-the-cloud infrastructure services based on Amazon's own back-end technology platform, which developers can use to enable virtually any type of business. The new latest generation Kindle is the lightest, most compact Kindle ever and features the same 6-inch, most advanced electronic ink display that reads like real paper even in bright sunlight. Kindle Touch is a new addition to the Kindle family with an easy-to-use touch screen that makes it easier than ever to turn pages, search, shop, and take notes - still with all the benefits of the most advanced electronic ink display
.
Kindle Touch 3G is the top of the line e-reader and offers the same new design and features of Kindle Touch, with the unparalleled added convenience of free 3G. Kindle Fire is the Kindle for movies, TV shows, music, books, magazines, apps, games and web browsing with all the content, free storage in the Amazon Cloud, Whispersync, Amazon Silk (Amazon's new revolutionary cloud-accelerated web browser), vibrant color touch screen, and powerful dual-core processor. Amazon and its affiliates operate websites, including www.amazon.com , www.amazon.co.uk , www.amazon.de , www.amazon.co.jp , www.amazon.fr , www.amazon.ca , www.amazon.cn , www.amazon.it , and www.amazon.es . As used herein, "Amazon.com," "we," "our" and similar terms include Amazon.com, Inc., and its subsidiaries, unless the context indicates otherwise. Forward-Looking Statements This announcement contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Actual results may differ significantly from management's expectations. These forward-looking statements involve risks and uncertainties that include, among others, risks related to competition, management of growth, new products, services and technologies, potential fluctuations in operating results, international expansion, outcomes of legal proceedings and claims, fulfillment center optimization, seasonality, commercial agreements, acquisitions and strategic transactions, foreign exchange rates, system interruption, inventory, government regulation and
taxation, payments and fraud. More information about factors that potentially could affect Amazon.com's financial results is included in Amazon.com's filings with the Securities and Exchange Commission, including its most recent Annual Report on Form 10-K and subsequent filings.Read more on IndiaPRwire.com

Source: http://worldprwire.typepad.com/blog/2012/02/junglee-launches-in-india-a-new-online-shopping-service-by-amazon-enabling-customers-to-discover-products-and-make-purchasi.html

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Cirrus Internet casino ? The Area to experience | Article Directory

Online casinos became the trend currently. These virtual gambling houses are nothing but a web based edition on the standard territory on-line casinos. They are often looked at in the ease and comfort in your home or some other area in which the web is obtainable. This market is bombarded with personal casino houses that offer exceptional entertaining and wagering options. Nonetheless, you need to choose an on line casino cautiously or you will might end up with an undesirable expertise. One on line casino i always know of is Cirrus Betting house which isn?t only risk-free but provides various game titles and huge signup bonuses to the participants. There are several factors which make Cirrus Gambling house a more rewarding place for gambling online.To begin with, Cirrus internet casino uses Realtime Games computer software for the applications. The RTG is among the most innovative technology top program games in today?s times. The program posseses an wonderful slot as well as animation good quality is great.The gambling house instructions are really simple to observe and simple to find their way. Engineers from New york College or university have carefully screened the many game titles to make sure justness and accuracy.Cirrus internet casino is really a qualified gambling house and it?s entirely insured featuring its head office in Cr. It facilitates for us people to relax and play to use on-line betting house and accepts $ foreign exchange. Participants can enjoy on the spot just for fun but also for tinkering with real cash, the minimum amount age group necessary for betting house is 21 times.There?s an exceptional back-up and support procedure. In the event of any difficulty whilst enjoying the video games, extracting income, questions on the setup procedure and so forth., support can be acquired 24/7. It is possible to get hold of them online by way of stay talk. You may send your queries that is to be answered in 24 hours you can also contact them with a toll-free selection.The shopper support company contains intelligent and qualified employees who effortlessly give you a hand anytime you need coaching.The funding area of the gambling establishment is higher than average. You are entitled to generate deposits and distributions making use of Visa, Master card, NEteller, Ipoint, money booker and click2pay. On the whole, some withdrawals are permitted in a four week period to some optimum restriction of $8000. Even so large roller users are permitted a limit of Bucks12000.The on line casino gives a variety of deals to participants. These special offers can be grouped as regular monthly offers, new gamer promotions and VIP campaigns. The month-to-month special offers are designed for common members and Private room participants. Substantial bonus deals can be found in several strategies for gambler out there per their need. New players company accounts are paid with free potato chips valueable Money25 when they join. The betting house features benefit 200Per-cent fit with their very first time that down payment of Buck10-$100.The modern players get numerous positive aspects through the gambling house. The Very important personel software is split into 5 quantities with each degree has some downpayment and lowest equilibrium prerequisites which should be satisfied so as to entitled to the different profit programmes in the form of hard cash back, compensation redemption, free of charge poker chips etc.Cirrus provides very amusing on line casino video games, which are really easy to realize and enjoy. It?s 68 on the net slots which have been an important favored of on the internet people. The slot machine game vary from 3 fishing reels ? 5 fly fishing reels ? modern jackpots. The guess restrict for slot machine is 5cents -Buck5 and features a payout amount of 98.1%. The internet casino has various types of pontoon and 21 game titles, pokers, baccarat, live roulette, craps, stop, keno lotto, video poker and many others. The agreed payment percentage of this betting house is nice therefore people normally find it difficult to stop taking part in.General, the Cirrus gambling house is a good gaming web-site that?s dependable and reliable and provides fantastic gambling house knowledge devoid of planning to a real gambling establishment.

Rich Vial is often a content writer for cirrus casino.

Source: http://spyinthecamp.com/cirrus-internet-casino-the-area-to-experience-2&id=10748/

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Video: PRESS Pass: Former Rep. J.C. Watts (R-OK)

Political Roundtable

Mitt Romney became the first candidate in the GOP field with two wins under his belt after his convincing win in Florida, but was it enough to convince conservatives that he should be their nominee? How long will the primary process go on and what kind of effect will it have on the Republican party? Will a long GOP contest help or hurt President Obama? Our political roundtable breaks down the state of the race: Rep. Xavier Becerra (D-CA), NY Times columnist David Brooks, GOP strategist Alex Castellanos, and MSNBC?s Rachel Maddow.

Source: http://www.msnbc.msn.com/id/3032608/vp/46245603#46245603

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Congress Zeros in on HUD's Failure to - MH Marketing Sales ...

Home
> Legislation, Manufactured Homes > MHARR: Congress Zeros in on HUD?s Failure to Implement 2000 Reforms

The Manufactured Housing Association for Regulatory Reform (MHARR) reports that a House of Representatives subcommittee, reacting to a nearly 90 percent decline in manufactured housing production over the past decade, recently questioned officials of the Department of Housing and Urban Development (HUD) at a February 1, 2012 hearing on the Department?s failure to fully and properly implement the Manufactured Housing Improvement Act of 2000. The law is designed to increase the availability of manufactured homes and ensure their status as ?housing? on an equal footing with all other types of homes. According to the testimony HUD interpretations of the 2000 law that have paved the way for worsening discrimination in manufactured housing regulation, financing, placement and other issues leading, in turn, to the worst decline in industry history. The testimony was provided by the current Chairman of the Manufactured Housing Association for Regulatory Reform (MHARR), John Bostick, and Immediate-Past MHARR Chairman, Edward Hussey. Read More

(Image Credit: HUD)

Source: http://www.mhmarketingsalesmanagement.com/blogs/daily-business-news/mharr-congress-zeros-in-on-huds-failure-to-implement-2000-reforms/

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When Is It Bad To Kill A Credit Card? | Bankrate.com

credit cards

Dear Credit Card Adviser,
I have six unsecured credit cards I plan to pay off this year. I have a long history with two of the credit cards. I would like to keep one of them with the highest limit for emergencies. I'm confused about what to do because in the next year or so, I plan to purchase my first home. I have heard so many stories about not closing them because it could drop my credit score. I feel that once paid in full, I should close the cards because there's no need to keep them open. Plus, I still get charged a monthly fee of $6 per card whether I use it or not. Please give me a better understanding of how I should handle closing the credit cards for my future housebuying. Thanks.
-- Belen

Dear Belen,
It's great you're trying to get your cards in order, so to speak, long before applying for a home loan. One factor your lender will consider is your credit score. For that reason, you'll want to avoid making mistakes that could cost you a lower interest rate on your mortgage.

One of those potential mistakes is closing credit card accounts without understanding how it will affect your score. Closing a credit card account by itself may not improve your credit score much. The impact may be minimal, depending on how much you owe on remaining credit cards at the time of closure.

According to myFICO.com, the popular credit score website, the amounts you owe make up 30 percent of your credit score.

Elements of your credit score

One major component in this category is how much you owe compared to your credit limits on revolving accounts such as credit cards. That ratio is figured for each credit card and across all of your credit cards. A lower utilization ratio is better for your score.

When you close a credit card account you've paid off, the credit limit from that account will no longer count toward your overall utilization. This change can inflate your utilization ratio even though you haven't taken on any additional debt.

Before closing any accounts, consider your utilization on remaining accounts. If utilization is low on individual cards and as a whole on all credit cards, it's less likely closing any account will hurt the score, says Barry Paperno, consumer affairs manager at myFICO.com. "If your utilization is under 25 percent, you're less likely to hurt your score," he says.

It doesn't matter so much when you shut down accounts. Closed credit card accounts can stay on your credit report for up to 10 years. While they're on your report, they will continue to factor into the major score categories such as length of payment history and mix of credit, with the exception of utilization.

What's more, if there is an increase in utilization when you close some accounts, it's not a life sentence. "There's no history associated with utilization," Paperno says. By paying down remaining card balances (or charging less if you're paying balances in full each month) after shuttering some accounts, you can recover from any temporary surge in utilization.

Ideally, you would keep those accounts with high limits and long payment histories. Closing high-limit credit cards can affect overall utilization more than low-limit cards. And when closed accounts eventually come off your credit report, it could have an adverse affect on your length of credit history.

Other credit pointers:

• Keep an eye on your credit reports. Because your reports can contain score-damaging errors, it's a good idea to check your reports periodically and dispute any inaccuracies. Under federal law, you have the right to request a free copy of your credit report from the three major credit reporting agencies once every 12 months. Head to AnnualCreditReport.com to order your free copies.
• Always pay on time, even if you can only make the minimum payment. A single 30-day late payment can pummel your credit score.
• Pay down credit card balances. Once they're paid off, use them as lightly as possible.
• Avoid seeking new credit in the months leading up to a home loan application. Paperno says he "definitely" would avoid applying for new credit within six months and ideally as much as a year in advance.
• Check your credit score if you want specifics on how to improve it. Your score will come with several reason codes or score factors -- the key reasons your credit score isn't higher.

Get more news, money-saving tips and expert advice by signing up for a free Bankrate newsletter.

To ask a question of the Credit Card Adviser, go to the "Ask the Experts" page and select "Credit Cards." Read more columns by the Credit Card Adviser. Follow Leslie McFadden on Twitter.

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Bankrate's content, including the guidance of its advice-and-expert columns and this website, is intended only to assist you with financial decisions. The content is broad in scope and does not consider your personal financial situation. Bankrate recommends that you seek the advice of advisers who are fully aware of your individual circumstances before making any final decisions or implementing any financial strategy. Please remember that your use of this website is governed by Bankrate's Terms of Use.

Source: http://www.bankrate.com/finance/credit-cards/bad-kill-credit-card.aspx

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Summary Box: Charge hurts UPS 4Q profit (AP)

STRONG SEASON: UPS Inc., the world's largest package delivery company, said Tuesday that its fourth-quarter net income slid because of an accounting charge, but its adjusted results rose 21 percent and topped Wall Street's expectations.

TURNING TIDE: The Atlanta-based company credited the increase to improving U.S. package business that's making up for slower sales growth overseas. United Parcel Service Inc. also forecast Tuesday that its full-year results will beat most analysts' forecasts.

LOOKING AHEAD: For all of 2012, the company expects to earn between $4.75 and $5 per share, an increase of 9 to 15 percent over adjusted 2011 results. Analysts currently expect $4.80 per share.

Source: http://us.rd.yahoo.com/dailynews/rss/earnings/*http%3A//news.yahoo.com/s/ap/20120131/ap_on_bi_ge/us_earns_ups_summary_box

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