Thomas Jefferson once declared that if he could have added just one more amendment to the U.S. Constitution it would have been a "ban on all government borrowing... ". We should have done what he suggested. In this nation's lust for power and prestige on the world stage, it has fallen into the trap of borrowing money mainly for appearances sake.

Michael and Tina find a bank account with 5 percent a year interest. They too, continue this for the next 40 years. At the end they have $766,689. Would you believe the small amount of 1 percent compounding over 40 years has made a difference of $173,239?

Keep in mind that measuring total body fat can be misleading, even though it is currently the best indicator of body fat composition. The accuracy of the main three methods of measurement varies.

So when you are handicapping, don't look at the speed figs, as they are called, look at any change from the horse's previous race and then pick the one that will pay well and surprise the crowd. You'll be surprised at how often you'll have a winner. Of course, there are no guarantees in life and horse racing is a risky business so your speculation should only be with money you can afford to lose.

Now it get a little dicey, because there is no way to know how much of the different kinds of fat are in your body. Your total consists of brown fat and white fat (both referred to as adipose tissues), and even cell membrane fat.

America was founded on the precept that yes anyone can become anything but we also demand a level playing field. That was what the Revolution was all about. We should not be put in a position where others can take advantage of of us. So we have a representative form of government that says we all have the same rights under the law and the same opportunities. But it would seem that the three percent have an unfair advantage over the rest of us. The three percent get their money regardless. Why? Because they are entitled and entitlement goes beyond a bankrupt company or an economy teetering on a depression.

I will continue to use the example of the two students who earned the 84% and 86% averages. For this example, the students earned their percentage scores entirely from multiple choice tests. (Students in the real world do more than just take multiple choice tests. However, for this example that's all they do.) 84% means that for every 100 multiple choice questions this student attempted to answer, this student answered 84 correctly. 86% means that for every 100 multiple choice questions this student attempted to answer, this student answered 86 correctly. By now you are probably thinking: Students' are not given tests with exactly 100 questions every time. What about a student that is given a test with only 75 questions, or the student who is given a test with 150 questions?

The software even tells you which bookmakers you should use and how much money you should invest with each of these bookies. It does all the calculations and analysis for you making sports arbitrage betting really simple.

Many people think attitude training is hokey and it's a soft skill that you can do without. But the truth is that if your people are quoting chapter and verse from the media about the sky falling and percentage your people end up passing that uncertainty along to your customers, your customers are going to be uncertain about doing business with you. The attitude of your people transfers to your customers.