Archive for January 14th, 2010

Free Online Resources Designed to Make You Smarter

Everyone knows that it is hard to find good things that are truly free. To find something that is free and could make you smarter at the same time, well, that’s a real trick. But don’t give up - Simply Charly found a few websites out there that provide free mind games. Actual experts, who want to help boost your IQ and make you smarter, have designed these games. The science magazine Discover has a great site with three free brain building mini games.

The site behind these games is lumosity.com. It claims to give your brain a workout in just 10 minutes a day. However, the website also is quick to point out that our brains slow down as we grow older, the process that can start as early as the tender age of 30.

You can try three sample games that are really challenging. One is Moneycomb, which forces players to remember where differently valued coins are placed on a grid game. At the lower levels, it’s fairly easy. However, if you want a high score, this memory game becomes very demanding.

The second free game is called Speed Match and it is quite fun. In some ways the game couldn’t be any simpler: You watch different objects as they appear on the screen, and then answer one simple “yes” or “no” question. That question and the core of the game is this:- “is this object the same as the last one?” You are judged on accuracy and speed. With some practice, it is possible to build up both.

The last game is Word Bubbles. It gives you three random letters and then awards points for the number of words you can spell in an allotted time using these letters. The concept behind these games is that of neuroplasticity, the brain’s ability to reorganize itself based on new experiences, bolstering the process of learning, memory, and adaptation of newly acquired knowledge.

At Lumosity.com, there are many other brain training games that are available for a nominal subscription of $6 per month. The additional categories include: attention, focus, language, visual perception, fluid intelligence, stress, reaction time, spatial reasoning, problem solving and “general health.” If the three free trial games that cover the categories of language, processing speed, and memory are any indication, then Lumosity might be worth playing – at any age.

Happy learning!

Simply Charly

End of the year apartments

Serviced apartments are much much different to your standard hotel. Some of the immediate differences that you will notice will be things like the price, the areas you will find them and the size of the apartments versus hotels. For the best hotels and apartments this year we would recommend visiting B and B Brighton. The reason that serviced apartments are so much more expensive is because you will often find them centralised to the city and they can be multiple times larger than a hotel room. The difference that we are going to talk about today is the fact that serviced apartments across the UK, in Manchester, London, York, Liverpool, Newcastle and so on have a regular booking pattern and are far from seasonal.

Why choose serviced apartments. Search for www.londonhotelsspecialoffers.co.uk and book online. Serviced apartments are more for business travel rather than short breaks away. Business travellers normally book for up to a week when making a reservation. Manchester, London and Edinburgh are some of the top locations in the country. Our recommendation for booking your apartments are Manchesterapartmenthotels.co.uk – visit them today. They offer the top luxury serviced apartments manchester amongst other sought after locations. You will benefit from a quality stay as well as saving money by choosing from their massive apartment selection.

When and where you should stay We suggest that if your booking in a popular location that you should book early. This ahould help you get the best deals and reserve an apartment before it gets fully booked. In the winter there is an rise in bookings to the top cities so if you are keen to book serviced apartments edinburgh holiday makers should maybe think about looking in autumn to get a good deal. You can search the best accommodation by going to london hotels special offers.

End of the year apartments The best time of the year is for a short break is End of year. You can find some great apartment deals at this time of the year. Whether your searching for serviced apartments Manchester or in another city you can get excellent end of the year deals online at one of the may apartment websites.

Different Ways To Settle Your Debts

Each year, the most pricey month is probably December where people are inclined to spend much of their funds to celebrate the holidays.  With bigger expenditures anticipated to be the activity on countless households particularly throughout this festive season, debts are also expected to mount to the next year. 

This is not to say that people shouldn’t celebrate during the holidays.  Everyone should bear in mind that spending should be supervised well and wisely.

For those individuals who have a feeling that they may miss their payments on time that could lead to debts, as much as possible, keep it low and borrow only if you really need to.  In addition, it will be better if the interest rate you are paying is of the lowest value that your resources can somehow handle.

Then again, if you are unavoidable to be incapable of paying your financial obligations sooner or later, the first suitable step may be to take a debt consolidation loan. 

A debt consolidation loan can be taken to pay-off both secured and unsecured debts, mostly credit cards or mortgage.  In essence, a debt consolidation loan will make most, if not all, your debts as one.

Signing up for a consolidation loan will make the debtor’s debt and interest rate lower unlike the unrestricted interest rate that comes with credit cards where it can be raised by the provider without warning.

Using a credit card will not be viable while under a debt consolidation as the objective of being under it is to pay off debts incurred from using credit cards and such. 

If your debts are deeper than what you have estimated, more strong action should be taken in order to pay off your debts more quickly and successfully.

The first of these options is a debt management plan where the debt management company will make it easier for you to pay your debts by assigning and adviser and supervise your payments efficiently.  The adviser will be in charge in separating and allocating your existing and future funds to pay for your everyday living costs and your debts.  Debt management companies will also be able to bring down your overall debt and interest by making a deal with your creditors.

An Individual Voluntary Arrangement (IVA) is another way to settle one’s debts.  If a person is near on being bankrupt, he can request to be put under an IVA for his and his creditors sake.  For a debtor to be approved an IVA, however, creditors payable by the debtor arrange a meeting and vote whether the IVA will be approved or not.  If the IVA gets approved, computations will be made in order to allot a portion of the debtor’s funds (income if any) to pay for his basic needs and taxes and another portion to pay his debts.

The application of each of these options will depend on your financial situation.  If you are not certain which choice is the best for your present financial problem, your first best choice is to consult a debt charity.  You will be recommended with the suitable choice based on your situation so you have to be straightforward on every small and large detail to prevent misunderstanding. 

Keeping the Christmas merriment alive through celebration happens only once a year but it’s important to keep expenditures in check so as not to be followed by stress brought about by debt.