The Gift of Giving Is a Gift in Itself

The act of giving a gift can elicit a multitude of positive emotions to the giver, that indeed it is quite possible that they experience more pleasure than the recipient of the gift. It has been found that giving gifts is an important interaction that strengthens bonds between family and friends. Giving to others strengthens one’s feelings for these people, and also makes one feel more loving and caring.Pursuing the ideal gift can be a taxing experience. Once upon a time, one would have to literally travel from store to store searching for the perfect gift. Apart from the time and effort consumed by the travelling, it was never quite easy to compare and contrast the possibilities in one’s mind, as one was relying on memory of the entire details of each potential gift. Now, with the advent and advantage of online shopping, this one daunting part of gift giving is no longer necessary. The requirement of physical travelling has been eliminated as one merely sits in front of a computer or other Internet browsing device and searches for the perfect gift. Alas, the choices are endless, and not always as organized as one would wish. However, once one has narrowed down the choices, one can actually revisit each choice and compare the images of the potential gifts, and eventually make a selection.

Giving comes from within, and no matter who the recipient of the gift is, the actual selection of the gift should be a heartwarming process. Knowing the person’s likes and dislikes, wants and needs, circumstances, and events in their life deepens the emotion behind the gift selection process. Giving a gift however, should not be a process that comes with a hardship to the giver. An aura of competitiveness and the need to impress has overshadowed the gentle and caring act of gift giving. For instance, if one is searching for a gift for their brother in law who is an avid golf player, the normal search would begin in the world of golf in the universe of the Internet. However, remembering that your brother in law was recently promoted, and his peers all carry classic name brand fountain pens encased in handsome leather cases, would certainly have some influence on your gift selection thought process. Between the golf equipment and the fountain pen and it’s accessories, an instant “astronomical price” headache begins to form.A mistake often made by many is that they set a price tag on the gift they are going to purchase before they actually make the purchase. In the name of budgeting that is actually a great idea, but unfortunately, we are in the times of “competitive” gift giving, and some people feel the need to outdo others in the extravagance of the gift purchased. It is absurd that many people actually spend money they cannot afford to spend on gifts simply because they are trying to create an impression. The heartwarming experience of the giving of the gift has not been experienced, and instead has been replaced by a aggressive and competitive approach. After the gift has been given, there will certainly be an uncomfortable feeling for as long as that charge remains on the credit card.Very few people remain unscathed by these recent changes in the economical status worldwide. To increase one’s debt in order to compete with others, or create an extravagant impression is not only ridiculous, but also makes the giving of the gift actually an unpleasant experience from start to finish and beyond. Returning to the example of one’s brother-in law, let it be assumed that a new set of golf clubs and an expensive fountain pen with a leather case is entirely out of one’s budget. A less expensive and more personal gift would surely make the selection process a much more personal and enjoyable one. There is no rule that dictates we must cater to the indulgent tastes or more affluent means of others. The art of gift giving must come with the desire to please the recipient with the gift, to take pleasure in the selection of the gift, to keep the cost within one’s budget and means, and to select a gift that will be admired and used.

Unique gifts for the home or for personal wear are always a warm and sincere gift. Many handmade gifts are available for purchase at reasonable prices via the Internet. They range from hand crocheted tablecloths, to custom made jewelry, to silk floral arrangements, and many home d├ęcor items. All of these items are ones that will actually be used instead of being a “showpiece” such as a fountain pen that never actually makes it out of the beautiful leather case. As much pleasure as the gift recipient will receive from their gift, the giver will also be pleased whenever they see the gift being worn or used. A set of throw cushions that was given as a gift will always please the giver every time he or she visits the home of the recipient and sees the throw cushions in use. Truly, these types of gifts are those that are described as “The Gift That Keeps On Giving”.

Credit Collection Laws And You

The Fair Debt Collection Practices Act and the Fair Credit Act has helped thousands of debtors free themselves from collection agents and junk debt buyers who act like complete Neanderthals when collecting debts. Junk debt buyers, collection agencies and sometimes, even original creditors are known mostly for their unforgiving, intimidating and often illegal collection tactics to extract money from debtors. Since laws have been enforced, consumer rights are protected against mean-spirited credit collectors, which is why it is important to educate yourself with credit collection laws to minimize the chances of being harassed by creditors or collection agencies.

One of the most common ways debt collectors obtain information from debtors is asking for their bank or credit card information. In the past, debtors have no other choice but to divulge such sensitive information from creditors or collection agencies. However, things have changed, laws are enacted and junk debt collectors and collection agencies can no longer make a person give his or her credit card and bank information.Once contacted by a debt collector, debtors are given 30 days to dispute the debt and make the debt collector prove the ownership of the debt in dispute. The bottom line is, you don’t need to pay anything just because someone claims you owe them money. If they can’t produce proof that you owe them money, they can’t collect the money nor can they file a credit card lawsuit.Apart from proving the debt’s ownership, collectors can no longer threaten, use profanity, vulgarities or use demeaning language to scare debtors into paying the debt. They can no longer humiliate you or talk to third parties about your financial problems. They can no longer discuss confidential debt information to other people. They can no longer threaten to garnish your wages, put lien on your properties when they haven’t gained legal authority to do so. They can only obtain a portion of your paycheck if they win the credit card lawsuit they filed otherwise, no such threats are allowed under the FDCPA.

If debt collectors continuously call you at the dead of the night or early in the morning, you can send them a Cease and Desist letter, information them that you do not wish to be contacted via phone calls and will respond only in writing. In response, the debt collector can only notify you about their next step, usually filing a credit card lawsuit, in writing. If they refuse to comply, they are violating the mandates of collection laws and will be brought to justice.

World’s Top Golf Resorts: Train and Play for Your Vacation!

The finest golf resorts in the United States, Europe, Mexico and the Caribbean can be your choice for your next vacation. Make it a train-and-play golf vacation! So many package deals are available to make your trip much more than a break from your routine. A golf vacation will be a practical experience of improving your golf game, enjoying a phenomenally peaceful and luxurious setting, and visiting a different state or a different country! This planning guide will point you to some of the best-rated golf resorts in the world.Whether you ultimately book for yourself or through an experienced golf travel specialist, begin your research online where you can find premium golf courses and travel bargains. Rates, resort amenities and golf course details are available. But look further for the packages that include airfare, hotel accommodations and green fees to get your best value. The typical packaged Golf Resort Vacation will include most of these features:Airfare
Resort Accommodations
Confirmed Tee Times
Prepaid Green Fees
Shared Cart for 18 Holes
Equipment Rental
Golf Lessons
Meals at Exclusive Restaurants
Transfers to the Course
Transfers to the Airport
All Taxes and Service ChargesGolf courses are planned in lovely surroundings where you can take in sea breezes or views of lush vegetation, and you can combine golf with other resort amenities to provide a well-rounded vacation.For instance, try one of the many glamorous Club Med Golf Resorts with beautiful fairways in the most unforgettable, inviting locations around the world. Club Med offers deals including the best equipment and golf lessons for all levels! Its locations include Cancun, Mexico, as well as Punta Cana in the Dominican Republic. Other locations span the world: Turks and Caicos, Mauritius, Portugal, France, Italy, Brazil, Thailand, Morocco, Egypt, Senegal, and in the United States–Sandpiper Bay, Florida.

Scotland has some of the most beautiful golf courses in the world and there are approximately 100 resorts, called “golf hotels,” among the 500-plus golf courses throughout the country. Best known are Turnberry, Gleneagles and The Old Course Hotel St. Andrews. Each of these has spa, leisure facilities, excellent restaurants and “golf tuition” packages for all levels.Mexico has numerous golf resorts perched in luxurious coastal locations. There are golf resorts at Cancun, Acapulco, Puerto Vallarta and Los Cabos. Also, Mexico has its championship Baja version of California’s famous “Pebble Beach” golf resort, called Bajamar, only a few hours’ drive from San Diego in Ensenada.For the United States, check online for some of the golf resorts suggested by key magazines such as Golflink’s which publishes The Top 100 United States Golf Courses. This issue ranks the best out of more than 21,000 public and private golf courses across the country. However, within that one hundred courses, you want to search for the resorts with package programs and golf lessons. Among the top hundred, you will find that the main vacation-destination states with golf resorts are in Arizona, California, Florida, Nevada, South Carolina and Texas. Let’s review these states for their best locations:In sunny, always temperate Florida, Club Med’s Sandpiper Bay Golf Academy offers 2-day and 3-day golf courses. The Academy includes all aspects of the game, such as Chipping, Putting, Bunker, Pitching and Lob Shot, Full Swing with Irons and Woods. A video analyzing your swing is provided, as well as an optional video comparing your swing to that of a pro player. Also, the area within and around Miami has regional golf resorts for year-round vacationing. Each resort offers on-site amenities and services, both on and off the course, and minutes away from major Miami attractions, like South Beach and Miami MetroZoo. You will have a multitude of options during a golf vacation here.
Arizona has a climate that is suitable for many months of the year and Scottsdale has nearly 200 golf courses, many with the picturesque backdrop of the Sonoran Desert. It is a golf destination with golf schools and pro shops. Here, many resorts offer high-quality accommodations and championship golf courses. Most golf resorts offer packages where hotel guests can have discounted green fees. Also, Sedona, Arizona, offers numerous golf resorts with a mild year-round climate and spectacular red-rock scenic views.
In California, Pebble Beach has been known for being a small coastal golf destination nestled in beautiful Monterey County. It is home of the prominent Pebble Beach Golf Links, the Pebble Beach Lodge and the prestigious Inn at Spanish Bay. Each year, golfers return to rub shoulders with golf professionals and experience nature at its finest on the magnificent golf course laid out by leading golf course designers. The harmony of golf layouts and the majestic coast are awe-inspiring!
Another golfer’s paradise is conveniently located along the south Atlantic coast at Hilton Head Island, South Carolina. It combines natural beauty and world-class golf on a barrier island 12 miles long and five miles wide. Nicklaus, Palmer and other golf legends have frequently played these championship courses. Since the first course opened at Sea Pines in 1961, there are now emerald links at Harbour Town and outstanding courses in Bluffton, as the Hilton Head area has become a major golf center. It is legendary for its spectacular views of the Atlantic Ocean, scenic marshes, and maritime forests with abundant wildlife. The temperate climate and year-round sunshine also makes Hilton Head Island the perfect place to tee off.
Las Vegas, Nevada, is quietly emerging as one of the United States’ fastest growing golf destinations amidst the glitz and glamour of its casinos. The city’s huge convention center and innumerable hotel rooms make it a natural haven for large-scale golf events. With the year-round sunshine and mild temperatures, and plenty to do after a full day of playing golf from gambling to seeing entertaining shows, this golf destination will continue to grow.
CNN ranked Austin, Texas the No. 1 city for golf in its Golf.com of 2010. Framed by the Texas Hill Country, Austin’s golf courses are among the best in the United States. The region is highlighted by the Wolfdancer Golf Club which was named No. 56 in Golfweek’s top 100 resort golf courses in 2009. In addition to being a great contemporary music city, and home of numerous celebrities, Austin offers vacationing golfers great barbeque, an idyllic, year-round climate and luxury accommodations.

Your best package deal will be at all-inclusive resorts, where air flight, lodging, meals and golf activities are rolled into one price. On the other hand, consider traditional hotels and resorts in the locations suggested. With a little online planning, one of the finest golf resorts in the world can be your affordable choice. Enjoy the location, the exploration of the region while you improve your golf game and provide a joyful, well-rounded vacation for your family and loved ones!(c) 2012 Elizabeth McMillian