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	<title>Elk River Idaho &#187; General</title>
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	<link>http://www.elkriveridaho.org</link>
	<description>The Place to be for your Extreme Sports Fix</description>
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		<title>Eating before a workout</title>
		<link>http://www.elkriveridaho.org/eating-before-a-workout.htm</link>
		<comments>http://www.elkriveridaho.org/eating-before-a-workout.htm#comments</comments>
		<pubDate>Mon, 28 Mar 2011 03:37:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Awareness]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Energy]]></category>
		<category><![CDATA[Physical exercise]]></category>
		<category><![CDATA[Protein]]></category>

		<guid isPermaLink="false">http://elkriveridaho.org/?p=1274</guid>
		<description><![CDATA[Eating and then doing exercise on a full stomach can be dangerous.  It will more often than not cause nausea, cramping and stomach upsets.  It can also hinder the benefits your workout could give you if you worked out on a lighter stomach.  Below are a few handy tips on what to eat before and... <a href="http://www.elkriveridaho.org/eating-before-a-workout.htm"> [Continue Reading]</a>]]></description>
			<content:encoded><![CDATA[<p><span style="font-size: small; font-family: Calibri;">Eating and then doing exercise on a full stomach can be dangerous.  It will more often than not cause nausea, cramping and stomach upsets.  It can also hinder the benefits your workout could give you if you worked out on a lighter stomach.  Below are a few handy tips on what to eat before and after a workout:-</span></p>
<p><span style="font-size: small; font-family: Calibri;">1.</span> <span style="font-size: small; font-family: Calibri;">Make sure that you eat or drink something at least 20 or 30mins before your workout.  Not a large meal but certainly some water so you are hydrated and either a protein shake, protein bar or a banana for example to give you an energy lift and some fuel in the tank for your workout.</span></p>
<p><span style="font-size: small; font-family: Calibri;">2.</span> <span style="font-size: small; font-family: Calibri;">Avoid caffeine.  Some people assume caffeine is good but it is a stimulant not an energy boost and should be avoided as a pre or post work out energy boost.</span></p>
<p><span style="font-size: small; font-family: Calibri;">3.</span> <span style="font-size: small; font-family: Calibri;">After your work out. Eat!  The hour after your workout is the most important, your body and muscle need to refuel on precious nutrients so drink lots of water or an electrolyte drink and enjoy healthy light meal such as eggs, chicken and veggies or tuna and wholegrain rice.  If you’re on the go and don’t have time to eat take a whey protein to keep your body full of what it needs.</span></p>
<p><span style="font-size: small; font-family: Calibri;"> </span><span style="font-size: small; font-family: Calibri;">Your body needs energy but being weighed down with a full stomach can cause harm and your exercise experience will not be a happy one.  By following the tips above and learning to listen to your body and what it’s comfortable with will make for a safe and happy exercise ready body!</span></p>
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		<title>Sports Drinks</title>
		<link>http://www.elkriveridaho.org/sports-drinks.htm</link>
		<comments>http://www.elkriveridaho.org/sports-drinks.htm#comments</comments>
		<pubDate>Thu, 24 Mar 2011 03:37:02 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Outdoor Sports]]></category>
		<category><![CDATA[Physical exercise]]></category>
		<category><![CDATA[Sport]]></category>
		<category><![CDATA[Sports drink]]></category>

		<guid isPermaLink="false">http://elkriveridaho.org/?p=1273</guid>
		<description><![CDATA[On the sidelines of most professional sporting events or even local teams are usually a stockpile of bottles of sports  drinks. These sports drinks are so popular because they rehydrate the body faster than water alone.  They have carbohydrate and electrolytes which replenish lost nutrients from the body when we exercise and sweat.  If you feel faint... <a href="http://www.elkriveridaho.org/sports-drinks.htm"> [Continue Reading]</a>]]></description>
			<content:encoded><![CDATA[<p><span style="font-size: small; font-family: Calibri;"> </span></p>
<p><span style="font-size: small; font-family: Calibri;">On the sidelines of most professional sporting events or even local teams are usually a stockpile of bottles of sports  drinks.</span></p>
<p><span style="font-size: small; font-family: Calibri;">These sports drinks are so popular because they rehydrate the body faster than water alone.  They have carbohydrate and electrolytes which replenish lost nutrients from the body when we exercise and sweat.  If you feel faint or have a sudden loss of energy during sport then these drinks can help you feel better and recover sooner.</span></p>
<p><span style="font-size: small; font-family: Calibri;">Always ask your coach, trainer even doctor about which of these drinks is best for you and test the many hundreds of brands that are on the market.  Look carefully at the labelling as some brands at first glance may look like a sports drink but they contain high amounts of additives and sugars and will not benefit your body.  Energy drinks with caffeine should be avoided completely during sports.  They are an artificial stimulant and do not contain the essential nutrients and electrolytes to rehydrate your body and help your work out.  Some people have been known to have reactions to these caffeine stimulant drinks so be careful about what you choose to intake.</span></p>
<p><span style="font-size: small; font-family: Calibri;">Sports drinks can easily become part of your work out or weekly sporting event but they should never replace water.  Water is needed for vitality and to keep your body in tip top condition. But by drinking these drinks in conjunction with water you may find that you have more sustained energy, recover faster and overall enjoy your work out or team sport a little more than usual.</span></p>
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		<title>Sports Therapy</title>
		<link>http://www.elkriveridaho.org/sports-therapy.htm</link>
		<comments>http://www.elkriveridaho.org/sports-therapy.htm#comments</comments>
		<pubDate>Sun, 20 Mar 2011 03:37:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Sports]]></category>
		<category><![CDATA[Elevation]]></category>
		<category><![CDATA[Massage]]></category>
		<category><![CDATA[Muscle]]></category>

		<guid isPermaLink="false">http://elkriveridaho.org/?p=1272</guid>
		<description><![CDATA[If you have sustained any kind of sporting injury you must first and foremost see a qualified doctor or specialist.  There are hundreds of types of sports therapy but if you are just getting into sport and want to know some of the most popular types of therapy’s you can get a brief overview here:-... <a href="http://www.elkriveridaho.org/sports-therapy.htm"> [Continue Reading]</a>]]></description>
			<content:encoded><![CDATA[<p><span style="font-size: small; font-family: Calibri;">If you have sustained any kind of sporting injury you must first and foremost see a qualified doctor or specialist.  There are hundreds of types of sports therapy but if you are just getting into sport and want to know some of the most popular types of therapy’s you can get a brief overview here:-</span></p>
<p><span style="font-size: small; font-family: Calibri;"> </span><span style="font-size: small; font-family: Calibri;">1.</span> <span style="font-size: small; font-family: Calibri;">R.I.C.E Stands for Rest, Ice, Compression and Elevation.  These are basic steps that should aid any minor sporting muscle injury.  Rest the arm, ankle or injured part of the body immediately, Ice the affected area to keep swelling down and soothe pain, Compress the injured muscle to again stop swelling and finally elevate the injured area.  For example put a shoulder injury in a sling or sit with an injured ankle raised up.</span></p>
<p><span style="font-size: small; font-family: Calibri;">2.</span> <span style="font-size: small; font-family: Calibri;">Massage.  There are many different types of massage so do your research and find what suits you.  Thai, deep tissue, oil and sports massages are all usually available in most towns.  Professional sportsmen use massage before and after events to keep muscles warm, supple and prevent injury.  Massages are also great after long distant sports such as marathons when the muscles have been in for a rough ride!</span></p>
<p><span style="font-size: small; font-family: Calibri;">3.</span> <span style="font-size: small; font-family: Calibri;">Water therapy releases tension gently and supports the body in the water.  Pressure on joints and muscles is lifted, the body is light and has buoyancy in the water and can recover through gently resistance and training.  The water is also a great support for injured limbs.</span></p>
<p><span style="font-size: small; font-family: Calibri;">As with all sports it’s wise to always try and prevent injury through following the correct warm up and warm down exercises and keeping hydrated.</span></p>
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		<title>Weight Machines vs Free Weights</title>
		<link>http://www.elkriveridaho.org/weight-machines-vs-free-weights.htm</link>
		<comments>http://www.elkriveridaho.org/weight-machines-vs-free-weights.htm#comments</comments>
		<pubDate>Mon, 07 Mar 2011 03:36:56 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Safety Tips]]></category>
		<category><![CDATA[Muscle]]></category>
		<category><![CDATA[Physical exercise]]></category>
		<category><![CDATA[Weight training]]></category>

		<guid isPermaLink="false">http://elkriveridaho.org/?p=1269</guid>
		<description><![CDATA[An easy way to start weight training is to use the weight machines available in most gyms. These are user-friendly, have you move your body in a logical path, and usually have instructions telling you how to use the machine. They are good exercise &#8212; they move your muscles, get your heart pounding, and generally... <a href="http://www.elkriveridaho.org/weight-machines-vs-free-weights.htm"> [Continue Reading]</a>]]></description>
			<content:encoded><![CDATA[<p>An easy way to start weight training is to use the weight machines available in most gyms. These are user-friendly, have you move your body in a logical path, and usually have instructions telling you how to use the machine. They are good exercise &#8212; they move your muscles, get your heart pounding, and generally force your body to work off some calories and fat. However, if you are serious about weight training you should look into a freeweight training program.</p>
<p>Freeweights roughly divide into two categories: dumbbells and barbells. Dumbbells are weights that you hold in one hand, while barbells are bars with weights on either side of them. Obviously, dumbbells are going to weigh less than barbells for similar exercises because you need to hold two of them.</p>
<p>Weight machines do help you get started on resistance training programs, but they have some major drawbacks. For one, they are machines in the rawest sense of the word. They use pulleys, wedges and inclined planes to help you get the weight where it needs to go. This means that you are not really doing all of the work yourself, but rather are helping the machine do the work. This is profoundly different from moving a weight yourself.</p>
<p>Another problem is the fact that the range of motion is fixed. When the angle you move your weights at cannot change, your body does not need to engage stabilizer muscles. This means that the workout is not as good with free weights &#8212; you may be working the &#8220;focus&#8221; muscle (as in bicep curls), but you are not working any of the auxillary muscles. This means that it may take two or three different weight machines to do the work of one barbell exercise or dumbbell exercise. This is not very efficient, and it makes for longer workouts.</p>
<p>So speak to a personal trainer or someone else with intimate knowledge of weightlifting about a free weight program. They may be intimidating to start out, but once you&#8217;ve mastered the form you&#8217;ll wonder why you ever used machines in the first place.</p>
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		<title>Weight Lifting</title>
		<link>http://www.elkriveridaho.org/weight-lifting.htm</link>
		<comments>http://www.elkriveridaho.org/weight-lifting.htm#comments</comments>
		<pubDate>Wed, 23 Feb 2011 19:06:35 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Sports]]></category>
		<category><![CDATA[Fitness]]></category>
		<category><![CDATA[Muscle]]></category>
		<category><![CDATA[Physical exercise]]></category>
		<category><![CDATA[Weight loss]]></category>
		<category><![CDATA[Weight training]]></category>

		<guid isPermaLink="false">http://elkriveridaho.org/?p=1233</guid>
		<description><![CDATA[Weight lifting has gained popularity in recent years as more and more people have discovered its benefits. It is no longer just the purview of bodybuilders screaming in the corner of the gym, looking and sounding positively inhuman as they grunt and scream to move a weight through the air. But weight lifting doesn&#8217;t need... <a href="http://www.elkriveridaho.org/weight-lifting.htm"> [Continue Reading]</a>]]></description>
			<content:encoded><![CDATA[<p>Weight lifting has gained popularity in recent years as more and more people have discovered its benefits. It is no longer just the purview of bodybuilders screaming in the corner of the gym, looking and sounding positively inhuman as they grunt and scream to move a weight through the air.</p>
<p>But weight lifting doesn&#8217;t need to be like this. Indeed, you can be extremely strong, fit and lean without the truck-like shoulders or breast-like pecs that the guys in the corner of the gym have. Those guys have devoted their lives to lifting weights; you&#8217;re probably just trying to get (or stay) fit and healthy.</p>
<p>There are a few key points you need to understand. The first is the difference between an isolation exercise and a compound exercise. If you&#8217;re a beginner, you should probably stick to the latter. Isolation exercises work one single muscle, while compound exercises work entire muscle groups. Working single muscles can feel like more of a workout and have more immediate, tangible effects, but it also opens you up to the possibility of injury.</p>
<p>If, for example, you have extremely well-developed biceps but haven&#8217;t developed your shoulders, pecs or back, your biceps will be able to hold and lift more than these muscles. This will make it possible for you to lift something partway &#8212; but when the other muscles kick in they&#8217;ll be overwhelmed, possibly straining or tearing.</p>
<p>So, whether you&#8217;re lifting a lot of weight for a few reps or a little weight for a lot of reps, you should start with compound exercises. These are a little more intimidating and technical than most isolation exercises, so you should consult a trainer beforehand. Doing a compound exercise incorrectly puts the strain on the wrong joints and muscles, and also opens you up to injury. However, the benefits are innumerable, ranging from more energy, better muscle tone, and lower body fat, so if you are physically able you should consider a weight training program today.</p>
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		<title>Abdominal Training</title>
		<link>http://www.elkriveridaho.org/abdominal-training.htm</link>
		<comments>http://www.elkriveridaho.org/abdominal-training.htm#comments</comments>
		<pubDate>Wed, 16 Feb 2011 19:06:34 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Sports]]></category>
		<category><![CDATA[Abdomen]]></category>
		<category><![CDATA[Abdominal obesity]]></category>
		<category><![CDATA[Adipose tissue]]></category>
		<category><![CDATA[Stomach]]></category>

		<guid isPermaLink="false">http://elkriveridaho.org/?p=1232</guid>
		<description><![CDATA[You want nice abs. I know it, you know it, we all know it. Even the most well-adjusted person can&#8217;t help but see a model or actor with washboard, 6-pack abdominal muscles and feel just the slightest pang of jealousy. It is easy for these pangs to manifest themselves as endless situps, crunches or other... <a href="http://www.elkriveridaho.org/abdominal-training.htm"> [Continue Reading]</a>]]></description>
			<content:encoded><![CDATA[<p>You want nice abs. I know it, you know it, we all know it. Even the most well-adjusted person can&#8217;t help but see a model or actor with washboard, 6-pack abdominal muscles and feel just the slightest pang of jealousy.</p>
<p>It is easy for these pangs to manifest themselves as endless situps, crunches or other abdominal exercises. Like all exercise, these are better than nothing &#8212; but they probably aren&#8217;t going to get you the washboard stomach you want. This is because the real key to a nice set of abdominal muscles is not actually strong abs. Rather, it&#8217;s low body fat.</p>
<p>Have you ever seen a really skinny guy take his shirt off? He&#8217;ll often look surprisingly ripped. This isn&#8217;t necessarily because he is. Rather, he just doesn&#8217;t have a layer of fat covering his abdominals. You, on the other hand, probably do. So to get a nice set of abs, you shouldn&#8217;t be focusing on the abdominals. You already have these. Rather, you should be focusing on the layer of fat covering them.</p>
<p>The bad news gets worse. You can&#8217;t actually get rid of fat on your stomach alone. Your body doesn&#8217;t work that way. Your body eliminates fat uniformly. If you lose a pound of fat, it is going to be partly from your stomach, partly from your face, partly from your thighs, and so on.</p>
<p>As I said above, exercise is important. But you can only burn so many calories. It&#8217;s much more efficient to cut fat from the front end &#8212; change your diet. You need to reduce your calories by around 500 a day, cut out the trans fats, and avoid simple carbs like sugar, white bread and other foods without much nutritional content. Lean meat and vegetables are your new best friends.</p>
<p>It&#8217;s going to take time, too. Healthy weight loss is a pound or two a week. After awhile, you&#8217;ll see hte difference &#8212; your stomach fat will have burnt off, and the 6-pack you never knew you had will make itself known. Enjoy.</p>
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		<title>Public Relations Jobs in Football</title>
		<link>http://www.elkriveridaho.org/public-relations-jobs-in-football.htm</link>
		<comments>http://www.elkriveridaho.org/public-relations-jobs-in-football.htm#comments</comments>
		<pubDate>Sat, 18 Sep 2010 09:41:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Games]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Sports]]></category>
		<category><![CDATA[National Football League]]></category>
		<category><![CDATA[Public Relations]]></category>
		<category><![CDATA[Sport]]></category>

		<guid isPermaLink="false">http://elkriveridaho.org/?p=849</guid>
		<description><![CDATA[Image via Wikipedia Do you have a degree in public relations? If so, finding a job in the sport of football as a public relations person can be a daunting task. Public relations entails just that - relating to the public. You are the go between for the team and its adoring fans. The public relations... <a href="http://www.elkriveridaho.org/public-relations-jobs-in-football.htm"> [Continue Reading]</a>]]></description>
			<content:encoded><![CDATA[<div class="zemanta-img" style="margin: 1em; display: block;">
<div>
<dl class="wp-caption alignright" style="width: 310px;">
<dt class="wp-caption-dt"><a href="http://commons.wikipedia.org/wiki/File:Ed_Hochuli.jpg"><img title="Image of National Football League official Ed ..." src="http://upload.wikimedia.org/wikipedia/commons/thumb/e/e8/Ed_Hochuli.jpg/300px-Ed_Hochuli.jpg" alt="Image of National Football League official Ed ..." width="300" height="284" /></a></dt>
<dd class="wp-caption-dd zemanta-img-attribution" style="font-size: 0.8em;">Image via <a href="http://commons.wikipedia.org/wiki/File:Ed_Hochuli.jpg">Wikipedia</a></dd>
</dl>
</div>
</div>
<p>Do you have a degree in public relations? If so, finding a job in the  sport of football as a public relations person can be a daunting task.<br />
Public  relations entails just that - relating to the public. You are the go  between for the team and its adoring fans. The public relations  department helps the team make a name for itself in the community and  calm things down when inappropriate news about the team is making  headlines. One of the best places to find a public relations job in  football is via the National Football League’s website or the site of  each individual team. If there are job openings these sites will post  the jobs, requirements for applying, and the experience required in the  field that the applicant should have.</p>
<p>If you are still attending  college, a great way to get a leg up in the industry is to apply for an  internship as a Public Relations Intern. A Public Relations Intern will  assist members of the team’s Public Relations department in everyday  aspects that help run the organization. The intern will also act as a  liaison between the team and the local and national media, including  radio, television and print outlets regarding player interviews and  access to the locker room during the week or after games.</p>
<p>If you  do take on a public relations internship with the National Football  League or one of its teams, this will provide you with the perfect real  world experience of how a PR person is supposed to handle their day to  day duties and how they should handle themselves around big name sports  stars. Also, as with an internship in any industry, it might lead to a  full-time job with the team as a Public Relations person.</p>
<p>Going after your dream job is a lot riskier than playing online casino games when the competition is so great and the number of positions so few but, it is worth the risk.</p>
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		<title>Idaho &#8211; a Hidden gem for Vacationers, Like Sports Betting Affiliates for Sports Fans</title>
		<link>http://www.elkriveridaho.org/idaho-a-hidden-gem-for-vacationers-like-sports-betting-affiliates-for-sports-fans.htm</link>
		<comments>http://www.elkriveridaho.org/idaho-a-hidden-gem-for-vacationers-like-sports-betting-affiliates-for-sports-fans.htm#comments</comments>
		<pubDate>Thu, 16 Sep 2010 05:18:07 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Adventure]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Sports]]></category>

		<guid isPermaLink="false">http://elkriveridaho.org/?p=846</guid>
		<description><![CDATA[Image by Getty Images via @daylife With difficult economic times, families are tightening their belts concerning extended family vacations. Many families have turned away from the expensive vacation to Gator World In Florida, and instead opted for vacations in the great outdoors. Instead of expensive hotels, families are turning to camping, and staying in smaller... <a href="http://www.elkriveridaho.org/idaho-a-hidden-gem-for-vacationers-like-sports-betting-affiliates-for-sports-fans.htm"> [Continue Reading]</a>]]></description>
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<dt class="wp-caption-dt"><a href="http://www.daylife.com/image/0fyCdAW1NR7gV?utm_source=zemanta&amp;utm_medium=p&amp;utm_content=0fyCdAW1NR7gV&amp;utm_campaign=z1"><img title="SAN DIEGO - JULY 16:  Lindsay Tarpley #5 of th..." src="http://cache.daylife.com/imageserve/0fyCdAW1NR7gV/98x150.jpg" alt="SAN DIEGO - JULY 16:  Lindsay Tarpley #5 of th..." width="98" height="150" /></a></dt>
<dd class="wp-caption-dd zemanta-img-attribution" style="font-size: 0.8em;">Image by <a href="http://www.daylife.com/source/Getty_Images">Getty Images</a> via <a href="http://www.daylife.com">@daylife</a></dd>
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<p>With difficult economic times, families are tightening their belts  concerning extended family vacations.  Many families have turned away  from the expensive vacation to Gator World In Florida, and instead opted  for vacations in the great outdoors.  Instead of expensive hotels,  families are turning to camping, and staying in smaller towns where  prices haven’t skyrocketed.</p>
<p>Many of these families are looking for vacation destinations that are  fresh, affordable, and offer a wide variety of activities that meet the  families budgetary constraints.  Some are looking for vacation  locations that have not been inundated with commercial building and  high-priced and elaborate lodging.  For many, discovering the great  outdoors in a state like Idaho is as easy as finding information on a <a href="http://www.daytradesports.com/affiliate.htm">sports betting affiliate</a> via the internet.</p>
<p>As the summer months turn to fall, the changing leaves in Idaho  create a beautiful landscape that even the hardest-to-inspire families  will fall in love with.  The landscape of Idaho continues to be  untouched by skyscrapers and big-business, giving outdoor enthusiasts a  picturesque look at what Mother Nature was intended to look like.</p>
<p>For many that have spent time in Idaho, the lack of major  metropolitan cities is a refreshing look at the great outdoors in the  western United States.  Those that have visited Idaho have fallen in  love with small towns like Elk River.  With a populations of 150, this  small town understand the livelihood that vacationing families bring,  and residents cater to the every need of those that visit.</p>
<p>Located in the pristine mountain valleys of Idaho, this small town  offers hundreds of things for visitors to do, including hiking, fishing  and hunting, snow shoeing, snowmobiling and world class cuisine.</p>
<p>And it’s not just a summer destination.  Many families are spending  the Holiday together in the scenic Clearwater National Forest, and  bonding together in the heart of the nation’s outdoors.</p>
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		<title>Adventure Ready: E Cigarette Starter Kits</title>
		<link>http://www.elkriveridaho.org/adventure-ready-e-cigarette-starter-kits.htm</link>
		<comments>http://www.elkriveridaho.org/adventure-ready-e-cigarette-starter-kits.htm#comments</comments>
		<pubDate>Sat, 04 Sep 2010 04:55:53 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Cigarette]]></category>
		<category><![CDATA[Electronic cigarette]]></category>
		<category><![CDATA[Tobacco smoking]]></category>

		<guid isPermaLink="false">http://elkriveridaho.org/?p=843</guid>
		<description><![CDATA[You&#8217;re not a sedentary creature. Your life is an excess of adventures, following the unknown trails, discovering the wild. It’s a devotion to thrills and inspiration with every moment carved to expectation. But there&#8217;s still a hesitancy to explore, no matter how bold you may be: You are uncertain of how to flavor your explorations... <a href="http://www.elkriveridaho.org/adventure-ready-e-cigarette-starter-kits.htm"> [Continue Reading]</a>]]></description>
			<content:encoded><![CDATA[<p>You&#8217;re not a sedentary creature. Your life is an excess of adventures,  following the unknown trails, discovering the wild. It’s a devotion to  thrills and inspiration with every moment carved to expectation. But  there&#8217;s still a hesitancy to explore, no matter how bold you may be: You  are uncertain of how to flavor your explorations to nicotine. Your  cigarette obsession is deemed unwise for the hills and valleys; it&#8217;s  considered too much of a concern. And so you are forced to abandon your  favored tastes for days too long to contemplate.</p>
<p>This is no longer true.</p>
<p>You can have everything you want in the way of outdoor adventure with  no sacrifice needed. You merely must choose alternatives to the common  options. You must look instead to <a href="http://www.southbeachsmoke.com/kits.aspx">e cigarette starter kits</a>.  Not only will these products provide the smoking experience you crave,  but they&#8217;ll also prove themselves worthy of your escapes in all the  important ways:</p>
<p>1. No excess equipment. Electronic cigarettes  don&#8217;t require the fumble of lighters or matches and the stacked cartons.  They&#8217;re instead self-contained and can last for long periods of time  with a single battery. You won’t be wasting time or rucksack space.</p>
<p>2. Water resistant. While it is obviously not recommended to use these  products while submerged, you will find them able to withstand the river  splashes and inevitable raft flips. They will not disintegrate as  typical filters do. This enables you to take them where you must, rather  than refusing your cravings.</p>
<p>3. Environmentally conscious.  Cigarettes, however their taste may appeal, offer many challenges for  the wild. Their smoke emissions, their drooping flames, and their  tendency to refuse being snuffed beneath your foot. Fires are a constant  worry and pollutants are exhaled. The electronic alternatives, however,  are without such concerns and allow you to leave nature as you found  it: unspoiled.</p>
<p>\Electronic cigarettes make it possible to discover the world.</p>
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		<title>Need Those Sports Tickets? Consider Emergency Cash Loans</title>
		<link>http://www.elkriveridaho.org/need-those-sports-tickets-consider-emergency-cash-loans.htm</link>
		<comments>http://www.elkriveridaho.org/need-those-sports-tickets-consider-emergency-cash-loans.htm#comments</comments>
		<pubDate>Tue, 17 Aug 2010 08:17:14 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Sports]]></category>
		<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Sport]]></category>
		<category><![CDATA[Tickets]]></category>

		<guid isPermaLink="false">http://elkriveridaho.org/?p=779</guid>
		<description><![CDATA[Image by Kuwait-Ra&#8217;ed Qutena via Flickr Missing a big sporting event because of a lack of funds would be a tragedy for any sports fan. If you&#8217;re tight on cash and the tickets are about to go on sale, consider emergency cash loans that you can pay back over time. If you have the money... <a href="http://www.elkriveridaho.org/need-those-sports-tickets-consider-emergency-cash-loans.htm"> [Continue Reading]</a>]]></description>
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<dt class="wp-caption-dt"><a href="http://www.flickr.com/photos/33035257@N07/4359387037"><img title="2" src="http://farm5.static.flickr.com/4004/4359387037_b47aa70b19_m.jpg" alt="2" width="240" height="230" /></a></dt>
<dd class="wp-caption-dd zemanta-img-attribution" style="font-size: 0.8em;">Image by <a href="http://www.flickr.com/photos/33035257@N07/4359387037">Kuwait-Ra&#8217;ed Qutena</a> via Flickr</dd>
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<p>Missing a big sporting event because of a lack of funds would be a  tragedy for any sports fan. If you&#8217;re tight on cash and the tickets are  about to go on sale, consider <a href="http://www.elastic.com/" target="_blank">emergency cash loans</a> that you can pay back over time. If you have the money when the tickets  first go on sale, you&#8217;ll have a better chance of getting a really good  seat before they&#8217;re all taken. You might be going alone, or with family  and friends, but either way you&#8217;ll want to sit where you can see  everything, instead of way up in the back corner of the stands where  everyone who&#8217;s playing looks like tiny little dots.</p>
<p>If you wait  to get tickets, that&#8217;s most likely where you&#8217;ll be stuck, so don&#8217;t  wait. Have that cash in hand the second the tickets are available. Keep  in mind, too, that a sporting event isn&#8217;t just about the tickets. You&#8217;ll  need food and drink, transportation, and other incidentals. If the game  is far away, you may need to spend a night or two in a motel, so you&#8217;ll  have to factor that in, as well. If you&#8217;re going with friends, you can  room together and split some of the cost, which will make things a lot  easier for you.</p>
<p>No matter what kind of sport you like, there  are generally opportunities to go to the games. Keep an eye on the  ticket companies, your favorite team&#8217;s Website, and other sports-related  sites in order to find out where your team will be and when. You can  also get ticket prices and other information that way. Sometimes there  are contests where you can win tickets, so be sure to enter those. You  never know when the next game you get to go see might just be a freebie  from a contest win.</p>
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		<title>Save Money on Sports Gear Using Coupons at Offers.com</title>
		<link>http://www.elkriveridaho.org/save-money-on-sports-gear-using-coupons-at-offers-com.htm</link>
		<comments>http://www.elkriveridaho.org/save-money-on-sports-gear-using-coupons-at-offers-com.htm#comments</comments>
		<pubDate>Mon, 09 Aug 2010 09:08:08 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Sports]]></category>
		<category><![CDATA[Coupon]]></category>
		<category><![CDATA[offers.com]]></category>
		<category><![CDATA[Sport]]></category>
		<category><![CDATA[Website]]></category>

		<guid isPermaLink="false">http://elkriveridaho.org/?p=791</guid>
		<description><![CDATA[Image via Wikipedia If you are a sports enthusiast, then you&#8217;re probably someone who buys a lot of expensive gear online. From a fishing boat to an air glider, from weights to snorkeling goggles, there&#8217;s no limit to the sporting equipment that&#8217;s available. Most of these items have one thing in common&#8211;they&#8217;re all pretty expensive.... <a href="http://www.elkriveridaho.org/save-money-on-sports-gear-using-coupons-at-offers-com.htm"> [Continue Reading]</a>]]></description>
			<content:encoded><![CDATA[<div class="zemanta-img" style="margin: 1em; display: block;">
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<dl class="wp-caption alignright" style="width: 278px;">
<dt class="wp-caption-dt"><a href="http://commons.wikipedia.org/wiki/File:Sports_icon.png"><img title="Sports icon for Portals" src="http://upload.wikimedia.org/wikipedia/commons/9/95/Sports_icon.png" alt="Sports icon for Portals" width="268" height="240" /></a></dt>
<dd class="wp-caption-dd zemanta-img-attribution" style="font-size: 0.8em;">Image via <a href="http://commons.wikipedia.org/wiki/File:Sports_icon.png">Wikipedia</a></dd>
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<p>If you are a sports enthusiast, then you&#8217;re probably someone who buys a  lot of expensive gear online. From a fishing boat to an air glider, from  weights to snorkeling goggles, there&#8217;s no limit to the sporting  equipment that&#8217;s available. Most of these items have one thing in  common&#8211;they&#8217;re all pretty expensive.</p>
<p>If you use coupons and other discounts like the ones you find at <a href="http://www.offers.com/">offers.com</a>,  you can save considerable amounts of money when buying your sporting  goods. Manufacturers and distributors use websites like these to  advertise their products, and the perk that the customer gets is a lower  price on these goods.</p>
<p>There are various types of offers  available for sporting goods. There are coupons and coupon codes that  you can redeem when you make your purchase. These will either give you a  flat discount or a percentage discount. The latter is handier for bulk  purchases. There are also buy-one-get-one-free deals and clearance  offers. These bargains are used to clear shelves and make room for new  inventory. There&#8217;s nothing wrong with any of the products that are on  clearance. They just might be slightly older models. If you know how to  check for defects in sporting goods, then you will have no problem  buying clearance items, especially with sites that offer money back  guarantees. Lastly, there are free shipping and free trial offers. With  free shipping, you save a lot when you buy a bulky or heavy item. With a  free trial offer, you can use a product for a certain number of days,  and if you do not like it for whatever reason, you can simply return it  with no penalties.</p>
<p>These and a host of other offers and  discounts are available at websites like offers.com, and anyone who buys  expensive sporting equipment is going to like these deals.</p>
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		<title>Connect with the Metal</title>
		<link>http://www.elkriveridaho.org/connect-with-the-metal.htm</link>
		<comments>http://www.elkriveridaho.org/connect-with-the-metal.htm#comments</comments>
		<pubDate>Fri, 09 Jul 2010 19:49:07 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[Precious metal]]></category>

		<guid isPermaLink="false">http://elkriveridaho.org/?p=428</guid>
		<description><![CDATA[In a world of disappearing 401k’s, down stocks and volatile commodities, there may be something to viscerally having the hard feel of an investment in your pocket. Your investments help fund your dreams such as pursuing outdoor activities in Elk River, Idaho. You may think visiting Elk River would be the highlight of your life,... <a href="http://www.elkriveridaho.org/connect-with-the-metal.htm"> [Continue Reading]</a>]]></description>
			<content:encoded><![CDATA[<p>In  a world of disappearing 401k’s, down stocks and volatile  commodities, there may be something to viscerally having the hard feel  of an investment in your pocket. Your investments help fund your dreams such as pursuing outdoor activities in Elk River, Idaho. You may think visiting Elk River would be the highlight of your life, but you know you must choose your investments wisely.</p>
<p>You can have it when you invest in silver coins.In  staid difference to more exotic investments, silver is one of the  oldest methods of protecting wealth. In fact, people have used silver as  wealth since the times of the ancient Greeks. Now, especially with the  erosion of paper, silver is rapidly gaining in price and popularity.</p>
<p>Silver is one of the best investment vehicles you can own. Here are some facts about the precious metal:</p>
<p>• It is durable and beautiful<br />
• It is not subject to decay<br />
• It is easily transportable<br />
• It can be broken down into small units without any decrease in value<br />
• It will never become worthless<br />
• It is very liquid as an asset</p>
<p>As seen by the increasing prices, silver is becoming a way for  investors to keep some portable investments on the side that are  actually growing in wealth. In fact, the price of silver rose from 13.60  on July 1st 2009 to 18.60 on July 1st 2010.</p>
<p>Diversification  in investments by concentrating at least some resources on solid assets  such as silver coins or bullion can help you earn on your investments in  these trying times.</p>
<p>Another fact about silver is that more  than 95% of all of silver in the world has been mined and used up for  industrial needs (silver is a multi-use metal that has been used in  heavy industry, the medical field and many other areas). It has always  been a rare metal.</p>
<p>Methods of <a href="http://www.silver.com/" target="_blank">silver</a> include coins, silver rounds, bullion and silver exchange traded funds.</p>
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		<title>Municipal bonds – the answer to a well rounded portfolio</title>
		<link>http://www.elkriveridaho.org/municipal-bonds-the-answer-to-a-well-rounded-portfolio.htm</link>
		<comments>http://www.elkriveridaho.org/municipal-bonds-the-answer-to-a-well-rounded-portfolio.htm#comments</comments>
		<pubDate>Wed, 07 Jul 2010 14:43:01 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Awareness]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Municipal bond]]></category>

		<guid isPermaLink="false">http://elkriveridaho.org/?p=456</guid>
		<description><![CDATA[In the world of investments, there is no shortage of opportunities.  These investment fuel your passions and desires whether you want to enjoy the great outdoors in Elk River, Idaho or explore the lush natural beauty of the mountains. You need to invest wisely. When considering how you can finance that trip to Elk River,... <a href="http://www.elkriveridaho.org/municipal-bonds-the-answer-to-a-well-rounded-portfolio.htm"> [Continue Reading]</a>]]></description>
			<content:encoded><![CDATA[<p><a style="float: left; padding-right: 10px;" href="http://elkriveridaho.org/wp-content/uploads/2010/07/2971814280_43f60d92a1_m.jpg"><img class="alignleft size-full wp-image-481" title="2971814280_43f60d92a1_m" src="http://elkriveridaho.org/wp-content/uploads/2010/07/2971814280_43f60d92a1_m.jpg" alt="" width="240" height="180" /></a>In the world of investments, there is no shortage of opportunities.  These investment fuel your passions and desires whether you want to enjoy the great outdoors in Elk River, Idaho or explore the lush natural beauty of the mountains. You need to invest wisely.</p>
<p>When considering how you can finance that trip to Elk River, you may feel overwhelmed with your investment options. In  fact, it may seem like there are too many options to choose from.  However, when looking for an investment one must understand that  investment risk runs the gamete from high risk venture capital to low  risk treasuries bonds; there are also many other opportunities  in-between. Regardless of your current portfolio, looking for a new  secure investment can be a time consuming and arduous process. There are  so many different resources at your disposal, each offering advice that  it is easy to feel overwhelmed – yet under informed. That is why when  looking for a less risky and secure investment one should consider a <a href="http://www.bondview.com/">Municipal bond</a>.</p>
<p>Municipal  bonds are issued by cities, states, governmental agencies or any type  of local government to pay for projects for cities, states and counties.  Interest income due to the holder of the bond is usually tax-free. The  only way that a municipal bond holder may be subject to tax is if the  holder is subject to alternate minimum tax, which is unlikely for most.</p>
<p>If  you live in a state with higher income tax, municipal bonds may seem  like an even more attractive option. Since 1924, Global Financial Data  reports that municipal bonds have an average rate of return of 4.1%. So  while not the best of returns it is still an investment with a  reasonable means of security, plus these bonds can reduce the beta of a  risky portfolio. Also, your rate of return is (more likely) going to be  positive; this creates a mini-tax haven for your investment and returns.  The key to any portfolio is diversification. Therefore, if you desire a  well-rounded portfolio that can weather many financial storms,  municipal bonds should be included. They can significantly reduce your  risk (beta of the portfolio) in bad markets without risking much of your  return.</p>
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		<title>Keeping Track of Your Bonds with Bond Analysis</title>
		<link>http://www.elkriveridaho.org/keeping-track-of-your-bonds-with-bond-analysis.htm</link>
		<comments>http://www.elkriveridaho.org/keeping-track-of-your-bonds-with-bond-analysis.htm#comments</comments>
		<pubDate>Mon, 05 Jul 2010 06:33:31 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Bonds]]></category>
		<category><![CDATA[Money]]></category>

		<guid isPermaLink="false">http://elkriveridaho.org/?p=503</guid>
		<description><![CDATA[If you&#8217;ve made a lot of investments over the course of your financial history, it can be easy to lose track of the net worth of certain investments you have made. A smart investor will have purchased bonds at some point during his or her financial career, and during these unpredictable economic times, knowing exactly... <a href="http://www.elkriveridaho.org/keeping-track-of-your-bonds-with-bond-analysis.htm"> [Continue Reading]</a>]]></description>
			<content:encoded><![CDATA[<p>If you&#8217;ve made a lot of investments over the course of your financial  history, it can be easy to lose track of the net worth of certain  investments you have made. A smart investor will have purchased bonds at  some point during his or her financial career, and during these  unpredictable economic times, knowing exactly where you stand in regards  to your wealth can act as both a tool of assurance and an inspiration  to stay on a wise financial track. <a href="http://www.bondview.com/">Bond analysis</a> tools and guides can help you with this, and help you continue to mature towards a healthy financial future.</p>
<p>Bonds first started to  in the 1930s, after the end of the Great  Depression. People were wary of doing anything with their money,  especially by investing it in the system which had failed them only a  handful of years earlier. However, the way bonds worked, and  specifically saving bonds, was that the citizen would buy a bond, worth a  limited amount of money, which the government would owe the investor.  The debt gained interest, and when the bond was mature, the citizen  could cash out on his or her initial investment, plus interest.</p>
<p>Since then, bonds have diversified and there are now over a dozen  different types of bonds. If you&#8217;ve invested in a number of these  different bonds, keeping track of maturity dates, callability, coupon  dates, and quality can be overwhelming. Fortunately, there are bond  analysis tools available to you. You can have your bond information  presented to you in a coherent, understandable way and your worth will  be explained to you in simple terms. You can track your bonds with  interactive portfolios which will list estimated prices, market values,  and final expected worths of your bonds, so you can keep track of your  financial future with sound mind.</p>
<p>Bonds allow you to invest in your dreams such as traveling to Elk River, Idaho or sailing or whatever you fancy. By keeping up with your investments, you can build a solid financial future.</p>
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		<title>Personal Appearance and the Job Interview</title>
		<link>http://www.elkriveridaho.org/personal-appearance-and-the-job-interview.htm</link>
		<comments>http://www.elkriveridaho.org/personal-appearance-and-the-job-interview.htm#comments</comments>
		<pubDate>Sat, 03 Jul 2010 03:41:35 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Business and Economy]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[Employment]]></category>
		<category><![CDATA[Human physical appearance]]></category>
		<category><![CDATA[Job Search]]></category>
		<category><![CDATA[Minimum wage]]></category>
		<category><![CDATA[Résumé]]></category>

		<guid isPermaLink="false">http://elkriveridaho.org/?p=398</guid>
		<description><![CDATA[Image via Wikipedia Millions of people everyday are looking for employment. There are dozens of people applying for the same positions and this makes finding a job all the more difficult. Perhaps you have a top notch education and a stunning resume with the better references you can find, but all that won’t always guarantee... <a href="http://www.elkriveridaho.org/personal-appearance-and-the-job-interview.htm"> [Continue Reading]</a>]]></description>
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<dt class="wp-caption-dt"><a href="http://commons.wikipedia.org/wiki/File:Stewart_Butterfield_2.jpg"><img title="A man with facial stubble." src="http://upload.wikimedia.org/wikipedia/commons/thumb/9/93/Stewart_Butterfield_2.jpg/300px-Stewart_Butterfield_2.jpg" alt="A man with facial stubble." width="300" height="253" /></a></dt>
<dd class="wp-caption-dd zemanta-img-attribution" style="font-size: 0.8em;">Image via <a href="http://commons.wikipedia.org/wiki/File:Stewart_Butterfield_2.jpg">Wikipedia</a></dd>
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<p>Millions of people everyday are looking for employment. There are dozens of people applying for the same positions and this makes finding a job all the more difficult. Perhaps you have a top notch education and a stunning resume with the better references you can find, but all that won’t always guarantee you a job. Sometimes in the search for employment it’s about the smaller things. One of those smaller things is your personal appearance. In a field of top level candidates, or run of the mill people for a minimum wage job, how you dress can mean just as much as the application in your hand.</p>
<p>First things first. Everyone should have a good outfit for interviews and job hunting. You should show up in your fly fishing gear as if you were going to Elk River, Idaho. Once you land a job, then you can begin saving for that trip to Elk River, but you will only get hired if you dress correctly for the interview. There is no way around this. Making the choice to buy some <a href="http://www.designerwear.co.uk/">designer clothes</a> to wear for job hunting purposes makes sense. The fact that you came in dressed better than the other applicants can say to employers that you want the job more than they do.</p>
<p>If you are a guy, then making sure that your face is well kept and groomed properly matters. While the hard working men in Elk River may sport the lumberjack beard look well, a five o’clock shadow won&#8217;t look elegant and professional. So take the time to have a clean and close shave the morning of an interview so that when you walk in your face looks ready for employment. If you have a beard make sure you are educated in how to groom it. If you do not know how then make sure that you go see a professional to have it groomed.</p>
<p>Ladies, it’s important that you apply the right amount of makeup. A good rule of thumb is to make sure the makeup isn’t noticeable. If you can do that and present the best looking version of yourself you may be looking at a new job.</p>
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		<title>Using Bill Consolidation to Increase Pocket Money</title>
		<link>http://www.elkriveridaho.org/using-bill-consolidation-to-increase-pocket-money.htm</link>
		<comments>http://www.elkriveridaho.org/using-bill-consolidation-to-increase-pocket-money.htm#comments</comments>
		<pubDate>Mon, 01 Mar 2010 09:10:35 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Credit card]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Money]]></category>

		<guid isPermaLink="false">http://elkriveridaho.org/?p=582</guid>
		<description><![CDATA[What is life without hobbies? That&#8217;s what everyone lives for. You go to work five days a week to make money so that on the weekends you can play whether you enjoy hiking, fishing, rock climbing, four wheeling or something else. But what happens when your debt has gotten so high that you don&#8217;t have... <a href="http://www.elkriveridaho.org/using-bill-consolidation-to-increase-pocket-money.htm"> [Continue Reading]</a>]]></description>
			<content:encoded><![CDATA[<p>What is life without hobbies? That&#8217;s what everyone lives for. You go to  work five days a week to make money so that on the weekends you can play  whether you enjoy hiking, fishing, rock climbing, four wheeling or  something else. But what happens when your debt has gotten so high that  you don&#8217;t have money for your favorite weekend adventures? That&#8217;s where  bill consolidation can help you out.</p>
<p>What Is Bill Consolidation?</p>
<p><a href="http://auto-loans.wellsfargo.com/debt-consolidation/bill-consolidation.html"> Bill consolidation</a> is needed when your debt is so out of control that you&#8217;re behind on  most of your bills and you need help getting out from under the pile.  Maybe you lost your job and were unemployed for a short period of time  and didn&#8217;t have savings. Now that you have a job again, you just need  some help to pay off bills and have a plan in place for how to get out  of debt.</p>
<p>This is where debt consolidation comes into play.  There are many companies that offer debt consolidation. Choose a company  to work with and they&#8217;ll pay off your debts for you and take the many  payments down to one payment — the loan that they provide for you. The  interest rates are lower than with credit cards so you&#8217;ll be able to  save money and get out of the looming feeling of being in debt.</p>
<p>Now There&#8217;s Money for Fun</p>
<p>Once your debts and bills are paid off and you only have the one low  payment on your debt consolidation loan, you will have more money left  over for your favorite activities. Whether you enjoy riding an ATV,  heading out into the back country for cross country skiing, or hiking  the highest peak in your area, you&#8217;ll have the money to enjoy these  activities and release your stress. With the stressful lives we all  live, having a chance to unwind is essential for the health of our  bodies and our spirits.</p>
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		<title>Not all Mortgages are Created Equal</title>
		<link>http://www.elkriveridaho.org/not-all-mortgages-are-created-equal.htm</link>
		<comments>http://www.elkriveridaho.org/not-all-mortgages-are-created-equal.htm#comments</comments>
		<pubDate>Sat, 13 Feb 2010 02:47:11 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Financial Services]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage loan]]></category>
		<category><![CDATA[Property]]></category>

		<guid isPermaLink="false">http://elkriveridaho.org/?p=483</guid>
		<description><![CDATA[Imagine your large front porch, sweeping views of the Elk River in Idaho. You watch the sunset in the west and are content knowing this little piece of heaven in Elk River is yours. Now, how do you make that dream a reality? So here you are, contemplating dropping what may be two or three... <a href="http://www.elkriveridaho.org/not-all-mortgages-are-created-equal.htm"> [Continue Reading]</a>]]></description>
			<content:encoded><![CDATA[<p>Imagine your large front porch, sweeping views of the Elk River in Idaho. You watch the sunset in the west and are content knowing this little piece of heaven in Elk River is yours. Now, how do you make that dream a reality? So here you are, contemplating dropping what may be two or three times your annual income on a piece of property that you will <img class="alignright" src="http://farm3.static.flickr.com/2272/2136953043_e9d620963f_b.jpg" alt="Home_Mortage" width="368" height="368" />be taking on the responsibilities of, for years to come. This is almost like getting married &#8212; the place where you live is going to be a major part of your life for a fairly long amount of time. And while you have done all of your due diligence on the property itself &#8211; to make sure that the plumbing is solid and leak free, that the electricals are all up to code, and that sort of stuff &#8211; you may not have done all that much research into getting the <a href="http://www.homemortgage.com/mortgage">Best home mortgage </a>you can.</p>
<p>A lot of people think that all you have to do is get the lowest monthly payment, and you are completely set. While getting a low monthly payment is great, you also need to consider the length of the loan, and whether your payment may one day increase (possibly by a huge amount of money). The simple truth is, a thirty year fixed mortgage is not for everyone. And an adjustable rate mortgage (or ARM) is only a good option for a very small percentage of home buyers.</p>
<p>When you think very carefully about the type of loan you want to take out for your home, you have got a lot of factors to keep in mind. You really have to consider what you want your repayment terms to be, what you see in your own future as it regards the property, and how comfortable you are with doing the research it will take to find the home loan option that is going to be the best for your needs. Before you sign on any dotted or solid lines, you need to do your research, and make sure your needs will be met.</p>
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		<title>Consider Credit Counseling Basics</title>
		<link>http://www.elkriveridaho.org/consider-credit-counseling-basics.htm</link>
		<comments>http://www.elkriveridaho.org/consider-credit-counseling-basics.htm#comments</comments>
		<pubDate>Mon, 25 Jan 2010 17:43:10 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Awareness]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Credit counseling]]></category>
		<category><![CDATA[Financial Services]]></category>

		<guid isPermaLink="false">http://elkriveridaho.org/?p=388</guid>
		<description><![CDATA[Many people struggle with out-of-control debt on a daily basis. This can be extremely stressful, with creditors calling daily and no way to pay bills. For some people, filing for bankruptcy or missing payments and damaging credit might seem like the only available options. Credit counseling is one option for people who feel like they... <a href="http://www.elkriveridaho.org/consider-credit-counseling-basics.htm"> [Continue Reading]</a>]]></description>
			<content:encoded><![CDATA[<p><a style="float: left; padding-right: 10px;" href="http://elkriveridaho.org/wp-content/uploads/2010/07/2741632440_2aa886ae8c_m.jpg"><img class="alignleft size-full wp-image-396" title="2741632440_2aa886ae8c_m" src="http://elkriveridaho.org/wp-content/uploads/2010/07/2741632440_2aa886ae8c_m.jpg" alt="" width="240" height="180" /></a>Many people struggle with out-of-control debt on a daily basis. This can  be extremely stressful, with creditors calling daily and no way to pay  bills. For some people, filing for bankruptcy or missing payments and  damaging credit might seem like the only available options.</p>
<p><a href="http://www.consolidatedcredit.org/">Credit counseling</a> is one option for people who feel like they are in over their head with  debt problems and don&#8217;t know where to turn or how to get it under  control.</p>
<p>What Is Credit Counseling?</p>
<p>A credit counselor is  a person who will examine your household finances, your income, and all  the debt you currently have. From there, he or she will work to help  get finances and credit under control. This is typically done through a  Debt Management Program, also referred to as a DMP. The DMP is  beneficial because it acts on your behalf, so creditors are more apt to  agree to lower monthly payments when a DMP acts as a mediator.</p>
<p>How Does Credit Counseling Work?</p>
<p>Credit  counseling does not eliminate debt altogether. Instead, creditors close  the open accounts to keep you from incurring additional charges. Then,  credit counselors work with creditors to consolidate your credit into  just one monthly payment with a schedule and at interest rates creditors  agree to. These lowered interest rates are significant and allow you to  pay off your debt much faster than you otherwise may have.</p>
<p>Is Credit Counseling Legitimate?</p>
<p>There  are many reputable, non-profit credit counseling agencies that will  provide legitimate services; it&#8217;s even a requirement to go through it if  you plan on filing for bankruptcy. However, there are many scams and  disreputable companies that charge high fees or fees they don&#8217;t inform  you of. So it&#8217;s important to do research and check the BBB before  signing with an agency.</p>
<p>Does It Affect My Credit?</p>
<p>Credit  counseling can provide a number of benefits, but credit counseling also  negatively affects your credit for a number of years.</p>
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