Learn to Speak Spanish Through Online Programs

The Spanish language is becoming increasingly more important to speak and understand. More than 420 million people speak Spanish, including those who speak it as a second or third language. Approximately 17 million of those are in the United States, making speaking Spanish more than just a passing fad. Fortunately, there are many online resources geared towards helping people learn how to speak Spanish.

Learn Conversational Spanish

The website, studyspanish.com, provides people with the opportunity to learn conversational Spanish. Although this program will not help you achieve fluency, by reading the lessons and repeating sounds and phrases with the audio attachments, you can be well on your way to carrying on a conversation. Sample beginning lessons are available online, and students can add to their knowledge with the purchase of CDs.

Courses, Tutors and Games in Spanish

Websites like 123teachme.com provide grammar, vocabulary, verb conjugations and sounds, like the other websites, but they also incorporated games and quizzes. These games and quizzes use vocabulary and phrases to test students knowledge and memory. People using this site can also work with Spanish tutors, people who know the language fluently, to get one-on-one help and accelerate the learning process.

Use Videos on Google and YouTube

Videos are available on YouTube and Google, and allow Spanish students to hear how the words are said, including accents and emphasis, but also see how they're said. Some of these videos use visual aids, displaying words and their pronunciation, like a book and audio tape would do, while others use people. The videos are for the beginning and advanced learners, depending upon the individuals needs and desires.

Learn Practical Spanish

Websites like e-spanol.hu/en outline the basics of Spanish, including grammar, vocabulary and expressions. This website provides games, quizzes, tests, word practices, audio videos and transcripts for students to test their knowledge and maximize they're Spanish skills.

Master Words and Phrases

For the beginning and advanced Spanish speakers, or students who simply want a larger vocabulary, websites like learn-spanish.co.il/ are ideal. This website lectures specific words and phrases that can make your Spanish more descriptive and detailed, including words relating to travel, color, shapes, sports, animals, food and clothing. However, this website does not include an audio, but only a simple visual of the words.

How Closing Accounts Can Kill Your Credit Score

One of the major factors of how your credit score is calculated is your capacity. This is the ratio of credit used to the amount of credit that is available. This accounts for 30 percent (almost a third!) of your credit score. For example if you have 5 credit cards with a $1000 limit and you have 3 of them maxed out and 2 of them inactive your capacity would be at 60 percent, $3000 of your $5000 total credit limit. This is not good in the eyes of the lenders and your credit score would suffer because its ideal to be at 10 percent of your capacity.

Remember a credit score is a formula measuring your ability to pay back your debts and obligations. If you have a high capacity and little room left for your maximum then your ability to pay back your obligations is viewed as more limited.

So in the example above, lets say you decide to close the 2 inactive cards for whatever reason. Nowadays, the credit card companies will charge a fee to inactive cards so a lot of people are now closing their inactive accounts. Well unfortunately, they are killing their credit score. If you are maxed out on three cards and you close the other 2, guess what, you are now at 100 percent capacity because your total credit limit is now $3000 instead of $5000. I know from personal experience this will cause your credit score to plummet.

My advice? Don’t close your inactive cards. Use them once a month, maybe for gas, or treat yourself to a latte from Starbucks. Then pay them off immediately so you don’t incur any interest. Do what you can to pay off the cards that are maxed out, or at least get them down to where your balance is under 10 percent of the limit. If you can, try to transfer the balance to a lower interest card, so it can save you a few bucks on the interest. This strategy is sure to improve your credit score because capacity is a major factor, and if your capacity improves, your score improves.

Asking your bank for a credit limit increase on some of your cards isn’t suggested nowadays, this is a strategy that old credit repair people recommended but in today’s economy with the credit crunch, it prompts an account review, which for some quirky reason, may cause the banks to LOWER your credit limit. This would damage your capacity as well.

You are already disciplined enough to not spend on two cards. You are unique in today’s credit crunch world, use your discipline to your advantage, don’t close your accounts. You will be doing more harm to your credit score than good.

Warping Automobile Disk Brake Rotors Are Preventable

In the aircraft and aerospace industry, the standards required for various components, parts, and specifications are considerably higher. Everything built for the aircraft and aerospace industry is light and strong. It is the “AND” part of that sentence that makes the parts expensive, not the “light” part. Automobile manufacturers today who build high-performance and sophisticated vehicles understand the “light” part, but not necessarily the “strong” part. But what they do understand is how much force can be applied to these parts before they succumb to failure.

Today’s brake rotors (or disk brake system) are built very light with advances in technology such as slotting, cross-drilling, cryo-treating and many other advances to allow the brakes to breathe better and last longer. However despite all this technology that goes into the rotors, they are still not strong enough to withstand a mechanic’s error. How often have you had a car pulsate when applying the brakes? The reason this happens is because the lug nuts on your wheels were not torqued down to specifications set out by the manufacturer. Every mechanic shop you walk into, you can always hear the distinctive sound of the air wrench being used to loosen and tighten parts and lug nuts. These air tools are capable of putting out an immense amount of torque, but that is where the problem starts. The torque setting on these air wrenches are preset to a single setting (usually the strongest), never changed, but used to tighten down everything on your car. BAD!

Today’s modern vehicles are built almost like airplanes and have very acute specifications that must be followed. The most commonly made mistake by mechanics and car owners are to over-tighten the lug nuts on the wheels of their cars. Some even go as far as jumping on the tire wrench to ensure that the lug nuts are “tight” and that the wheels will not “fall off” while driving. However, over tightening your lugs will lead to premature failure of your brake rotors as seen by warping or deformations in the rotor. It may also lead to wheel bolts “snapping” when over-tightening the wheels stretches and weakens the bolt.

It is therefore important to ensure that your lug nuts are tightened to the appropriate specifications and to do that, there are several things you can do. For most vehicles, the lug nuts need to be tightened down to 70-100 ft-lbs using a good quality torque wrench. However, you do not need a torque wrench to tighten your lug nuts correctly.

The approach I have always taken is to tighten the nuts as tightly as can be done with your fingers first. Then taking a tire wrench, tighten the nut without apply much effort until you feel some resistance. Then simply (without jumping on the tire wrench), put your body weight on the wrench until it stops turning. You do not need to jerk your body to ensure that there is more room to tighten. In general, if you follow this practice, you will put about 80-90 ft-lbs of torque onto the lug. Do this consistently for all your wheels to ensure that your brake rotors have maximum life. However, for best results, I still recommend acquiring a quality 1/2″ drive torque wrench, my favorite being the Neiko Pro line that I use religiously for every mechanical work conceivable.

It is a worthwhile investment and they typically range in price from $20-40, which is cheaper than a single brake rotor for your car. The brakes and wheels are the most important components of your car and therefore, requires the most care and attention. Go check your lug nuts today.

Importance of Family in Our Life

Family is very important part of our everyday life. It helps us in improving our personality. It also helps us in shaping our life. It teaches us the value of love, affection, care, truthfulness and self-confidence and provides us tools and suggestions which are necessary to get success in life.

Family is a place where you can be yourself. It is a place where you are accepted for what you are. This is where you are completely tension free and everyone is there to help you. Family encourages you when you are surrounded by problems. It helps you survive through tough times and bring joy and happiness into life.

Decency is very important in the communication of daily life. It helps us make strong relationship with others and make us come across as a very gentle, intelligent and likable person. Everyone loves to be in a company of such person. Family helps bring decency into our life which is necessary to lead a happy life.

One of the most important aims of our life is to build a successful and highly rewarding career. Our families help us in creating a strong future. It gives us valuable suggestion about different career prospective. It not only guides us in choosing the best but also financially helps us to cover the expenses of education. Thus it helps us in making a good future.

The importance of family is probably realized when one went to holiday or celebrate an occasion without family members. It was very hard to celebrate an occasion or went to holiday without being surrounded by family members. At that time probably we realize that how important they are to us. At that time, we came to know about the importance of our families.

Today, most people don’t realize the importance of family. They prefer to spend most of their time with their friends. But when they are surrounded by problems, it was their family that helped them get rid of problems. At the time, when even our best friends refuse to help us, it was our family that came to help us. So it is very important for each and every individual to give importance to their families above anything else and enjoy spending time with family members.