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When have you last been in need for a quick Christmas present for your Grandma? And you know that she was always fond of your vacation pictures?

Then try the free Kalender software from naturfotokalender.de. It is a free and easy to use extension for the fantastic gimp graphics program. It was originally created by Moritz Mekelburger for Kalender gestalten, that is how we germans call “calendar printing”.

This program proofed to be a really powerful tool, and so it was enhanced by naturfotokalender.de in order to be able to create the whole year at once. You will find instructions on a page called Kalender erstellen mit eigenen Fotos.

The calender plugin lets you choose a directory with pictures for every month, then creates a gimp pic with all the months as layers. The next step is to indicate where you want your calender to be rendered and then you start the plugin again. You have to state the year for which the calender is created and off you go!

After the plugin is done you have 12 pictures each embedded with a calender for the corresponding month.

The site itself features a lot more, there is a fine collection of calenders with nature photography, so the site is worth a visit no matter if you want to create your own calender or not.

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Technology plays a significant role in our daily lives; technology has without a doubt, made our lives very easy for us. Technology, along with its unlimited advantages also has a lot of disadvantages. Technology is a gift to ourselves so that we can live our lives more comfortably but many people tend to abuse this gift for their own pleasure or personal gain. Cell Phone is one such device that has made our life so easy that we cannot even think of a world without it. Cordless Phones can be used to stay in contact with your friends and family no matter where you are the added camera saves you the trouble of taking your digital camera everywhere with you and services such as GPRS keeps us connected to the internet no matter where we are. But these services can also be abused by people.

Scams:

A rather new problem with cell phones is scam messaging. Low lives and criminals try to trick people into sending money into their account. This is becoming a real problem now as people posing as the network inform people via sms that they have won a lot of money and in order to get their hands on that money they should send a small amount usually 20 or 30 to this account or number. Sadly a survey shows that an alarming amount of people actually fall for this and do actually send the money, and then wait for their prize. Messaging which should have been a fun way of staying in contact with your friends is also used for this purpose and in this way the service is abused.

Pranks and Misleading Information:

Cell phones are also used to carry out pranks and other jokes which in actuality are not funny and they do more damage that good. Pranks such as bomb threats and death threats are not funny at all, yet people send them to random numbers just to have a good laugh. They do this because they know that their identity is secure and there is no way the receiver of that message can find out who the sender is. Similarly, forwarding messages that are unverified and half true can be destructive. It can worsen an already bad situation. For example bomb scares spread like wild fire by forwarding that sms to a large number of people, then those people forward it to other people and so on. This can create paranoia and anxiety.

No More Privacy:

Due to cell phones are lives are no longer private. Cell phone cameras have made sure of this. You can never be sure when someone is taking your picture or recording your video. Due to the powerful cameras and zoom features of modern cell phones anybodys picture or video can be taken in high quality, no matter where they are. Further more tracking services by network providers can be accessed by anyone and we can be located anytime via our cell phones.

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Few people realize that the dollar is not money and so they leave themselves open to be robbed. The dollar is a fraud that has been foisted on an unsuspecting public by governments inflating the money supply. Let me explain.

Real money has certain desirable features that allow it to function in commerce. These required features or criteria were developed over centuries of experience in trade. Time tested features of true money include -

1. It must be a medium of exchange. In other words it must be available in sufficient quantity, be easily tradable, and have only a small difference in price between buying and selling. The money should be easy to transport - which is facilitated if it has a high value to weight ratio. In some of these respects the dollar qualifies as a medium of exchange, but read on.

2. It needs to be a unit of account. The money should be capable of being divided into smaller units without damaging its value. In the case of precious metals like gold, silver, and platinum, they can be traded as bars or melted down and formed into much smaller units like coins, and if required, melted down into bars again. This is why olden day barter goods like wheat or animals are not suitable as money.

3. It must also be fungible. This means that any one unit should be identical to another of the same unit. For example two coins of the same unit should be identical in size, weight, and metallic content.

4. It helps if money is a fixed weight or measure so that it is easy to count. Paper notes for example have different face values but weigh the same, making them a poor measure.

5. Most importantly, money should be a store of value. After all, if you exchange goods or property for money you want something of equivalent value in exchange. Paper money is just pieces of paper with pictures on it and has no intrinsic worth, yet every day people exchange worthless pieces of paper for physical goods. This state of affairs has only existed in the last century and will not last much longer.

6. The value must be stable and not subject to major fluctuations, and it must be real and genuine, not an artificially created value, as with paper money.

7. In addition it should be difficult to counterfeit while still being easy to recognize. Once again paper money fails this test.

Centuries, and indeed millenia, have resulted in two metals in particular  assuming a leading role as money. These metals are gold and silver, with copper filling a minor role. Gold and Silver meet all the requirements listed above.

When gold and silver were used as money, inflation was vitually unknown. Inflation is associated with the fiat money (paper money) system that is now in place across the world. Governments print paper money (or the electronic equivalent) in steadily increasing amounts which inflates the money supply. This increased money supply pushes up the prices of the fixed amount of goods and services that are available. This is what causes inflation. Inflation is a thief which steals your wealth because the value of your cash is continually decreasing. A dollar today will only buy 5% of what a dollar could buy back in the 1920’s when the U.S. and most countries were still on a gold based monetary system.

One way to preserve wealth in inflationary times is to purchase items which are stores of value. Anything which cannot be produced in ever increasing amounts qualifies, but only gold and silver which are limited in supply, and difficult to obtain, are qualified to also act as money. Gold bullion and silver bullion, along with gold coins and silver coins are becoming increasingly scarce as investors seek to preserve their wealth in these inflationary times. Supply is diminishing while demand is increasing. Check out the prices and availability online and buy bullion while you still can. The dollar is about to be consigned to the scrap heap of history, to be replaced by real money.

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What is debt elimination? Debt elimination is the process of getting your outstanding debts under control and then avoiding getting into debt in the future. If you are in debt right now then you should know that it is really destroying your future, in several ways.

For one your credit rating will be ruined, and it is very difficult and time consuming to get your credit back to a decent score. Of course the best method is to never get into debt in the first place, but since this is basically unavoidable in some cases, the important issue here now is how to get out of debt.

Debt Elimination Programs: Getting Out of a Financial Disaster

If you do not know how to control your spending, you will soon find yourself buried in debts that are hard to shake off. Having so many debts is a bad thing. Not only will too much debt brings you a lot of stress, it will also destroy your credit ratings. Once your credit ratings go bad, it will be difficult for you to reestablish your good credit standing.

In fact, it may take years before your credit ratings will go up again. Fortunately, keeping your finances in the right track is relatively easy with the use of debt elimination programs.

It doesn’t matter if your finances are really bad, a good debt elimination program will still be able to get you out of a financial rut. No, a good debt elimination program will not solve your financial problems immediately. Remember that you did not get into a financial rut overnight thus it will also take some time before you can actually get out of that financial rut.

Getting Into a Debt Elimination Program

With the ongoing financial, housing and credit card debt crisis, a lot of financial companies in the country are offering different types of debt elimination programs to help their clients pay off their debts. If you are one of those people who are having so much problems meeting the monthly payments of your home, your car, your credit cards and the likes, you better talk to your financial services provider about getting into a debt elimination program before it is too late.

The good thing about talking to your financial services provider about debt elimination programs early on is that you get to save a lot of money on interest and other financial charges. Note that most financial services providers give concessions to their clients who enter into a debt settlement agreement with them. In most cases, these financial services providers will agree to give you longer payment periods and lesser monthly payments.

What if your own financial services provider does not offer debt elimination programs? If your financial services provider does not offer debt elimination programs, you can always use the services of organizations that are offering these programs. Don’t worry, most organizations that are offering this kind of programs do not really charge so much money for their services.

These companies understand that you are in a difficult financial situation and they are flexible when it comes to payment for their services. Perhaps you are interested on how to get out of debt in spanish? read on at this article, entitled reunificacion de deudas .

Remeber, if you are so deep in debt with so little income that you never stand a chance of getting out of debt, it may be time for you to erase your debt and declare Chapter 7 bankruptcy.

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