4 Things You should Never do with your Credit Cards

Susan McCarthy, a financial adviser in Oklahoma City and author of The Value of Money, lists her top four credit card don'ts:1. Don't make only the minimum payments. This stretches out your payment and, thanks to the interest, significantly increases your overall cost.2. Don't carry too many cards. Multiple cards make it easier to rack up debt because it's harder to keep track of your spending. Having lots of cards isn't necessarily bad for your credit, but misusing them is. So limit your plastic to two national cards (store cards often carry higher interest rates) that you manage carefully.3. Don't miss payment due dates. Not only will you be hit with a late fee-as high as $39 on some cards-but your interest rate could also jump. Sign up for online banking or pay over the phone if you're up against the deadline. (You may pay a processing fee, but it will probably be less than the late fee and the possible interest-rate hike.)4. Don't take cash advances. These advances generally come with sky-high interest rates and service fees, making them a far too expensive way to get cash. Avoid at all costs.

World Series Open Champion..

LAS VEGAS (AP)—A 21-year-old Michigan poker professional who chose cards over college won the World Series of Poker main event in Las Vegas early Tuesday, winning $8.55 million and becoming the youngest player to win the tournament in its 40-year history.
Joe Cada of Shelby Township, Mich., turned over a pair of nines early after 46-year old Darvin Moon called his all-in wager with a suited queen-jack, setting up an about-even race for most of the chips on the table.
But a board of two sevens, a king, an eight and a deuce didn’t connect with either player’s cards and gave Cada the win.
“I ran really well and I never really thought this was possible,” Cada said. “It was one of those dreams and I’m thankful it came true.”
The hand abruptly ended a final table that saw Moon, a logger from western Maryland, bounce back to a dominant chip lead after being down 2-1 in chips to start the night.
“I knew if I could catch, I got him,” Moon said of the final hand. “I just took a shot.”
Cada broke a record for the tournament’s youngest winner set last year by Peter Eastgate of Denmark. Cada is 340 days younger than Eastgate.
The record was previously held for two decades by 11-time gold bracelet winner Phil Hellmuth, who posed for pictures with Cada after the win.
He also posed with his mother, Ann Cada, a dealer at MotorCity Casino Hotel in downtown Detroit.
“My baby,” Ann Cada said as she approached her son with cameras snapping.
When asked what’s next for him after reaching the pinnacle for poker so early in his career, Cada said: “To win it back-to-back.”
Moon and Cada traded the lead several times in 88 hands spanning nearly three hours of play, with one 20-minute break.
Moon erased Cada’s lead in 12 hands, revealing a pair of queens during a showdown to rake in a pot worth millions of chips. Cada shook his head after he lost and briefly stood up from the table, walking over and chatting with two of his supporters.
After some chip-shifting, Cada was ahead by less than 4 million chips after 52 hands, with 194.8 million chips in play.
But Moon stormed to nearly a 100 million-chip lead after the break, visibly frustrating Cada and leaning on him to make tougher decisions.
Fortunes changed when Moon pounced on a board with two 10s, a nine and a five to put Cada’s entire tournament at risk. After a sip of bottled water and several minutes of thinking, Cada called the bet and flipped over a nine for a pair.
Moon held a straight draw but didn’t hit his hand on the river, giving the lead back to Cada and drawing roars from the crowd.
“I should have went all-in on the flop. He made a phenomenal call,” Moon said. “That’s why he’s the champion.”
Moon won $5.18 million for second place.
“I only play good when my back’s against the wall,” said Cada, who was nearly ousted from the tournament on Saturday when he held about 1 percent of the chips in play after 123 hands.
The players traded chips atop a table with a stack of cash and a gold bracelet on its felt, and in front of nearly 1,500 screaming fans in a capacity crowd at the Rio All-Suite Hotel & Casino.
Their tug-of-war ended an epic tournament that began with 6,494 players in July.
After a 115-day break, Cada and Moon endured more than 14 1/2 hours through 276 hands at the final table on Saturday and early Sunday, when they outlasted seven others to make it to heads-up play.
Unlike Cada, who said he regularly plays about a dozen tournaments at a time online or three at a time in heads-up cash games, Moon hasn’t played a single hand of online poker. He doesn’t even own a computer or have an e-mail address.

Largest Cruise Ship..

KORSOER, Denmark – The world's largest cruise ship cleared a crucial obstacle Sunday, lowering its smokestacks to squeeze under a bridge in Denmark.
The Oasis of the Seas — which rises about 20 stories high — passed below the Great Belt Fixed Link with a slim margin as it left the Baltic Sea on its maiden voyage to Florida.
Bridge operators said that even after lowering its telescopic smokestacks the giant ship had less than a 2-foot (half-meter) gap.
Hundreds of people gathered on beaches at both ends of the bridge, waiting for hours to watch the brightly lit behemoth sail by shortly after midnight (2300GMT; 7 p.m. EDT).
"It was fantastic to see it glide under the bridge. Boy, it was big," said Kurt Hal, 56.
Company officials are banking that its novelty will help guarantee its success. Five times larger than the Titanic, the $1.5 billion ship has seven neighborhoods, an ice rink, a small golf course and a 750-seat outdoor amphitheater. It has 2,700 cabins and can accommodate 6,300 passengers and 2,100 crew members.
Accommodations include loft cabins, with floor-to-ceiling windows, and 1,600-square-foot (487-meter) luxury suites with balconies overlooking the sea or promenades.
The liner also has four swimming pools, volleyball and basketball courts, and a youth zone with theme parks and nurseries for children.
Oasis of the Sea, nearly 40 percent larger than the industry's next-biggest ship, was conceived years before the economic downturn caused desperate cruise lines to slash prices to fill vacant berths.
It was built by STX Finland for Royal Caribbean International and left the shipyard in Finland on Friday. Officials hadn't expected any problems in passing the Great Belt bridge, but traffic was stopped for about 15 minutes as a precaution when the ship approached, Danish navy spokesman Joergen Brand said.
Aboard the Oasis of the Seas, project manager Toivo Ilvonen of STX Finland confirmed that the ship had passed under the bridge without any incidents.
"Nothing fell off," he said.
The enormous ship features various "neighborhoods" — parks, squares and arenas with special themes. One of them will be a tropical environment, including palm trees and vines among the total 12,000 plants on board. They will be planted after the ship arrives in Fort Lauderdale.
In the stern, a 750-seat outdoor theater — modeled on an ancient Greek amphitheater — doubles as a swimming pool by day and an ocean front theater by night. The pool has a diving tower with spring boards and two 33-foot (10-meter) high-dive platforms. An indoor theater seats 1,300 guests.
One of the "neighborhoods," named Central Park, features a square with boutiques, restaurants and bars, including a bar that moves up and down three decks, allowing customers to get on and off at different levels.
Once home, the $1.5 billion floating extravaganza will have more, if less visible, obstacles to duck: a sagging U.S. economy, questions about the consumer appetite for luxury cruises and criticism that such sailing behemoths are damaging to the environment and diminish the experience of traveling.
It is due to make its U.S. debut on Nov. 20 at its home port, Port Everglades in Florida.

Fossilized Skull of Sea Monster unearthed in Dorset Coast

The fossilised skull of a "sea monster", which may be the largest of its type ever found, has been unearthed on the Dorset coast.
The skull from the ferocious prehistoric predator the pliosaur is 2.4 metres long and could belong to a creature measuring up to 16 metres in length from tip to tail and weighing up to 12 tonnes.
Pliosaurs were a form of plesiosaur, a group of giant aquatic reptiles that terrorised the ocean 150m years ago, around the same time that dinosaurs roamed the Earth.
They had short necks and huge, crocodile-like heads that contained immensely powerful jaws and a set of huge, razor-sharp teeth.
Richard Forrest, a plesiosaur expert, said the discovery was fortunate because pliosaur skulls were generally found crushed flat.
"What is fantastic about this new skull, not only is it absolutely enormous, but it is pretty much in 3D and not much distorted," he said. "You have this wonderful lower jaw – and you can just see from the depth and the thickness that this was immensely strong.
"It could have taken a human in one gulp; in fact, something like a T-Rex would have been breakfast for a beast like this."
The fossil was found by a local collector on the Jurassic Coast, a 95 mile stretch of coastline covering Dorset and East Devon that spans 185m years of geological history. Dorset county council purchased it for £20,000 with money from the heritage lottery fund, and it will now be scientifically analysed, prepared and then put on public display at Dorset County Museum.
Using four paddle-like limbs to propel its bulky body through the water, the pliosaur made easy work of passing prey such as dolphin-like ichthyosaurs and even other plesiosaurs.
"These creatures were monsters," said David Martill, a palaeontologist from the University of Portsmouth.
"They had massive muscles on their necks, and you would have imagined that they would bite into the animal and get a good grip, and then with these massive neck muscles they probably would have thrashed the animals around and torn chunks off.
"It would have been a bit of a blood bath."
Experts believe it could rival recent finds made in Svalbard, an archipelago in the Arctic Ocean, where beasts dubbed "the Monster" and "Predator X" were thought to have measured 15m, and in Mexico, where the "Monster of Aramberri" was discovered in 2002, and is believed to have been of similar dimensions.
"We only have the head, so you cannot be absolutely precise," said Martill.
"But it may be vying with the ones found in Svalbard and Mexico for the title of the world's largest."
The exact location of the find is not being revealed, as Dorset county council does not want to encourage people to head to the spot. The area is unstable and prone to rock falls and landslides.
Richard Edmonds, the council's earth science manager for the Jurassic Coast, said the rest of the creature may still be entombed in the rock but it could take decades for it to emerge.
"The ground is dipping very steeply, and as it is such a huge specimen it will be buried beneath layer upon layer of rock, so we will have to patiently wait for the next big landslide," he said.

Wedding of the Year..Sen.Mar Roxas-Korina Sanchez

MANILA, Philippines - It was a people’s wedding for Sen. Manuel “Mar” Roxas II and broadcast journalist Korina Sanchez as thousands shared the simple but elegant affair where the couple vowed to love each other for the rest of their lives.
Loud cheers were heard outside the Sto. Domingo Church in Quezon City, first when the couple arrived and later, when they were pronounced husband and wife.
The wedding was really planned to be enjoyed with the people.
The original venue for a grand reception was the Araneta Coliseum in Cubao, Quezon City but this was scrapped to reach out to even more Filipinos as the couple decided to donate their more than P2-million budget for the event to the victims of recent calamities.
Instead, onlookers were provided with food packs while guests had sandwiches, biscuits, native delicacies and drinks inside the premises of the church.
The couple was also blessed with good weather that made it easier for people to come and watch the affair in and arounbd the church.
“Fulfillment of all I’ve waited for”
Mar and Korina, who were engaged for five years before getting married, made their personal vows as the groom kissed the hand and temple of the bride every now and then during the ceremony.
Roxas described his bride as “God’s precious gift” to him and said he would treat her not only as his wife but also as his best friend.
“I love you as you are. You are precious to me. I am happy we are together and truly thank you for taking me and putting up with me. I give myself to you as your best friend, to applaud when you succeed and encourage when you stumble. I offer myself to you as your husband in respect and in trust. Today I take you to be my wife. I promise to be with you and be true to you in good times and in bad, in sickness and in health. I will love and honor you all the days of my life,” Roxas said.
For her part, Sanchez said her vows in Filipino, saying Roxas was the fulfillment of everything she dreamed of in a husband.
“Minamahal kong Mar, matagal ang panahong lumipas na tayo ay nagsarili ng landas at naghintay ng pagkakataong ito. Tayo ngayon ay pinagpala ng tadhana at ng Panginoon na mahanap ang isa’t isa. Totoo pala na ang pangarap ay nagaganap,” Sanchez said.
“Ikaw ang katuparan ng lahat ng aking hinintay at minimithi ng aking puso na maging kasama, karamay, kaibigan at kakampi. Ikaw ang aking pinili upang alayan ng lahat ng iyong kakailanganin sa isang kasama at katabi sa buhay sa abot ng aking makakaya. Dumaan man ang unos, mga pagsubok, ang sakit, ang kabiguan, ako ay mananatiling dikit sa iyong dibdib kahawak ng mahigpit ng iyong mga kamay. Nguni’t sabay din tayong lalakbay sa landas na itinahak ng Panginoon sa atin. Magkasama tayong ngingiti, tatawa, hahalakhak sa malaki man na tagumpay at sa pinakamababaw na biro,” Sanchez said to her groom.
She promised Roxas that she would be there for him for the rest of their lives.
“Mar, ang pangako ko sa iyo, saksi ang aking mga yumaong magulang na si Celia at Ramon, katuwang ng aking buong pamilya at lahat ng nagmamahal sa ating dalawa, basbas ng langit ang aking pagmamahal sa iyo at kasama ng Panginoon kahapon, ngayon at bukas, ako’y iyong-iyo,” Sanchez said.
Tears of joy
Sanchez became emotional as she walked down the aisle to meet her groom. She did not wear the traditional veil on her Filipiniana-inspired piña wedding gown.
As she stepped out of the bridal car, the crowd screamed her name even as she was covered by a cream-colored cloth on the way to the church door, which was closed after members of the entourage came in to give the bride a dramatic entrance.
Roxas became teary-eyed too as Sanchez walked down the aisle. He came an hour earlier on board his trademark pedicab and shook hands with those waiting outside. He then marched with his mother, Judy Araneta-Roxas, while Sanchez was escorted by her brothers Milano, Miguelito and Emmanuel Ruiz.
Roxas used the pedicab in his infomercials to show he was one with the poor and will help them in uplifting their lives.
The Philippine Madrigal Singers sang “Ave Maria” as the entourage marched toward the altar.
Sanchez shed tears as singer Ray An Fuentes gave his rendition of “Umagang Kay Ganda” as background. The song is a personal favorite of Roxas because the lyrics talked about the happiness of being together and that waking up with each other would always make a beautiful morning.
In his homily, Fr. Carmelo Caluag told the couple that their wedding was an opportunity to begin anew, heal all wounds and correct past mistakes.
“I believe that giving one’s self to love brings blessing to one’s self and to society,” he said.
At the end of the matrimonial ceremony, the couple kissed for 11 seconds as Basil Valdez sang his classic “Ngayon at Kailanman.”
Who’s who
The wedding was attended by the who’s who in the Philippine society. Former President Joseph Estrada and Vice President Noli de Castro led the guests from the political sector while Kris Aquino-Yap, whose son James Jr. was ring bearer, came with other showbiz personalities.
Sen. Benigno “Noynoy” Aquino III, the presidential bet of the Liberal Party and running mate of Roxas, was one of the sponsors. Representatives from various political organizations and non-government organizations were also among the guests.

Pacquiao still no.1 as Pound for Pound King..

The Yahoo! Sports monthly rankings underwent big changes in October despite the fact that none of the top-ranked fighters were in action.
Manny Pacquiao, who faces Miguel Cotto on Nov. 14 in Las Vegas in what is expected to be a high-paced bout, supplanted Floyd Mayweather Jr. for the top spot. Mayweather had a one-point edge over Pacquiao in September, but Pacquiao climbed past him by five points in October.
Three fewer voters participated in the voting in October than did in September and that appeared to help Pacquiao. Pacquiao received 13 of the 25 first-place votes from the elite panel of boxing writers, with Mayweather picking up the other first-place 12 votes.
The difference turned out to be that all of those who did not vote for Pacquiao as No. 1 had him as No. 2. However, Mayweather had nine second-place votes, two third-place votes and one fourth.
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That dropped him from the top spot and into second place.
Bernard Hopkins, who last fought on Oct. 18, 2008, when he routed Kelly Pavlik in Atlantic City, N.J., also tumbled. Though Hopkins hasn’t fought in more than a year, he was ruled eligible to be voted upon since he has a Dec. 2 fight scheduled against Enrique Ornelas.
But some voters expressed disappointment with Hopkins’ choice of a tune-up opponent as well as his planned 2010 fight against Roy Jones Jr. and either dropped him totally from their top 10 or dropped him in the list.
Hopkins, who was in a tie with Shane Mosley for fourth in September, is now seventh. The other change in the rankings saw Juan Manuel Lopez, who had been No. 9, falling out of the top 10 despite a decision victory over Rogers Mtgawa on Oct. 10. Lopez struggled down the stretch and had to hang on in the final round to win.
Voters opted to dump him because of that and put in former middleweight champion Arthur Abraham in ninth place. Abraham knocked out Jermain Taylor in the 12th round of their opening round match in the Super Six tournament on Oct. 17.

FB Applications are BLOCK..

Facebook socializing websites was very fun..You got to play a lot of games..get to know with other people,from different countries,classmates in highschool and college who are workin in foreign land.It is very entertaining websites..you have a lots of fun,but lately it feels bad for us working in one of the company in Saudi Arabia.Most Applications are BLOCK..now the entairtainment becomes a misery..Damn..they BLOCK most of the games..Its totally crazy!!No more plays,no more games..More Continuing Education..