Tuesday, December 15, 2009

The Journey of Pearl: Pearl's Love Story: Part 1

1.The Raiders' defense is very poor against the run, ranking 30th in the league and allowing 158.7 yards per game. Washington must get its ground game going. Quinton Ganther, who will start, has shown a good burst but with Marcus Mason and Rock Cartwright helping to carry the load, the team is averaging 82.6 yards per game on the ground.

Get to Gradkowski

2.The Redskins must be able to pressure quarterback Bruce Gradkowski, who has been much better running the Raiders' offense than JaMarcus Russell. Gradkowski threw three touchdown passes against the Pittsburgh Steelers in an upset last week, but if the Redskins can get some pressure on him, they may be able to force a mistake.

Finish the game

3.The Redskins have put themselves in position beat Dallas, Philadelphia and New Orleans but have given up late leads and lost. Good teams just don't do that, and if the Redskins hope to snap their losing streak, they'll have to find a way to hold on to a fourth-quarter lead when they have one — especially against a shaky Raiders team.

Take an early lead

4.The Raiders will be feeling some momentum from last week's upset. If the Redskins can take an early lead on the road, they would quiet the crowd and perhaps keep the Raiders from building on recent success. They'd also force Oakland to throw against one of the league's top-ranked pass defenses.

– Paul Tenorio

Because your family often forgets that money doesn't grow on trees, MoneyTree is here for you.

This holiday-shopping season is indeed one for the bargain hunter. Here are four spending tips to help keep you ahead of

the pack.

No. 1: Make a Realistic Budget … and Stick to It

Experts say one of the most common mistakes made when it comes to holiday shopping has to do with your budget. Not only

should you make a budget, but you should also make sure it is realistic.

Make the usual list for the people you need to buy gifts for and how much you are willing to spend per gift, but also remember

to add in the “extras.” For example, budget in hostess gifts for any scheduled holiday parties, and also consider the extra

groceries you’ll need to stock up on ahead of family visits.

And spend within your means. Your family would rather enjoy your company than have you give them something they don’t need

that you’ll be paying for for many holidays to come.

The average family will ring up just under $1,000 this season, according to Mike Peterson, spokesperson for American Credit

Foundation and president of Debtguru.com. At current interest rates,

it would take 22 years to pay off that balance if you are only making the minimum payment each month, Peterson said. That’s

a long time.

“No one wants to accept a gift that puts you in debt,” he said.

Jennifer Jolly, a consumer lifestyle expert, says bloated cell-phone and gas bills are another holiday-budget breaker.

“Cell phone bills tend to catch people off guard, you make more calls and texts during the holiday season than normal and

they can add up if you go over your minutes,” she said.

Save on gas by doing all your price comparison and window shopping online and then make one trip to pick up gifts, Jolly

advised.

And don’t forget your list.

“If you walk into a store without a list, 9 out of 10 times you will spend more than you anticipated,” said Peterson. Impulse

items will become tempting and it’s harder to say no when you don’t have a list to check.

No. 2: Shop Alone

The more the merrier? Not when it comes to shopping. It’s better to fly solo to the mall, said Bill Losey, a certified

financial planner and author of “Retire in a Weekend.”

“When you go with other people, even if it’s a spouse, you get caught up in the experience of shopping and things are no

longer black and white, you don’t want to be influenced by any one else.”

No. 3: Don’t Wait Until the Last Minute

Maybe more than ever, this year bargain seekers don’t have to wait until the final days before Christmas to find the biggest

steals.

“It’s an old-fashion thought for this year,” said Jolly. “Retailers had more stock last year, but they smartened up and

have a lot less inventory [this year], they are trying to spark a big buying frenzy right now.”

And waiting until the last hour could actually end up costing you more.

“You can’t assume things are going to go on sale right before the big day, you need to have a back-up plan, because people

are left with little options and spend more money on a gift than allotted,” Peterson said.

No. 4: In Tight Times, Skip Decorations with a Lifespan

In this economic environment, buying a Poinsettia is just silly, according to Jolly.

“Any money you spend on something that is going to die a couple weeks is just like throwing money away,” she said.

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It was a sunny afternoon. The wind was warm and fresh as it flew and touches my bare skin. Students were all at the ball ground busy chatting, playing, jumping, and running as they gathered like busy ants on the field. The wind whispers their little tiny voices into my ears, echoing as they shout and laugh in my ear canal and hitting my three tiny bones as the message was sent into my brain. 'The busy students on the field.'

Students started to experience different kinds of things in their life as they start studying and as they mingled with their fellow ages. Growing up gives them adventures and new wonderful stories to tell. And here is a story about a girl on her going up stage.

While everybody was busy, I, Chloe Quenes was alone sitting on the grass. I was pulling the weeds while reading a book which describe my social boldness;

''Your Social Boldness: Introverted VS Extroverted. You are quite introverted. Socially, you prefer a more relaxed, low-key environment, rather than the hustle and bustle of a wild night in the city. You tend not to talk a lot, but when you do people listen, because when you say something it has meaning. You are not seeking the limelight, usually you prefer to let the attention-mongers do their thing while you observe. In an unfamiliar setting, you tend to be cautious and shy while you evaluate the circumstances. You prefer to avoid conflict, so you do not put yourself into a threatening situation. Your shyness may be perceived as unfriendly, but that could not be further from the truth. People need to be patient with you and take the time to get to know the complex, private you.''

While reading this first part of my personal evaluation, my friend came to tell me a “not- nice-word-to-hear”.

“Chloe, I have to tell you something!” my friend said.

“What is it?” I asked.

“Somebody has a crush on you!” she said again.

“Who is he?!!” I asked angrily.

“Look, there he is! He's a friend of your friend Daniel Dacer!”

I frowned and walked away. I didn't like anybody except my crushes on the 6th grade. They're Harry and Shaggy, the intelligent boys in their class.

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