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	<title>Golevka</title>
	<link>http://www.golevka.com</link>
	<description>Just another WordPress weblog</description>
	<lastBuildDate>Thu, 28 Aug 2008 02:14:06 +0000</lastBuildDate>
	<docs>http://backend.userland.com/rss092</docs>
	<language>en</language>
	
	<item>
		<title>Lucky You</title>
		<description><![CDATA[For many years my friends regarded me as a very unlucky person: I got married much too young, and became a mother by the age of twenty-one, before I had managed to graduate from college. Three years later, with the help of my parents, I managed to go back to school and graduate, but just [...]]]></description>
		<link>http://www.golevka.com/lucky-you.php</link>
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	<item>
		<title>How To Do Mini Scrapbooks</title>
		<description><![CDATA[The challenges of a large scrapbook can be daunting if you are new to the craft. There sits that large album, filled with blank pages. You will need a theme for the album and a theme for each page. You will need to add background paper, photos, frames, journaling, and embellishments. You dont know where [...]]]></description>
		<link>http://www.golevka.com/how-to-do-mini-scrapbooks.php</link>
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		<title>You Gotta Pedal</title>
		<description><![CDATA[In effort to keep my continually aging body as healthy as possible, I make semi frequent trips to the health club. It seems that the more I need the exercise the harder it is to find the time. However, I do manage to keep in relatively good condition considering my age and efforts.
Luckily I have [...]]]></description>
		<link>http://www.golevka.com/you-gotta-pedal.php</link>
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		<title>Rationalising the Stigma of Bankruptcy Part 1</title>
		<description><![CDATA[In the first of a series of articles, Stephen Morgan tries to wrestle with the oft misunderstood lending criteria that Modern Day Financial Institutions use to help fuel their financial expansion and growth but at what expense?
Hardly a month seems to go by when the Media isnt reporting some incidence of the suicide or attempted [...]]]></description>
		<link>http://www.golevka.com/rationalising-the-stigma-of-bankruptcy-part-1.php</link>
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	<item>
		<title>Work Space Garage Flooring or Show Room Garage Flooring?</title>
		<description><![CDATA[When it comes to garage flooring times have changes from boring cement flooring to classy designs. If you love spending time in your garage or have a fancy car you want to show off you may want to install styled mat garage flooring. This article will look at some of the choices you have in [...]]]></description>
		<link>http://www.golevka.com/work-space-garage-flooring-or-show-room-garage-flooring.php</link>
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		<title>Mystery Lady and Sweet Romance</title>
		<description><![CDATA[Oh Mystery Lady where forth art thou 
I search the world, and will find you somehow 
I see your reflection as I stand by the waters edge 
finding you and walking with you is my pledge 
shimmering water and flowing with time 
you are always there embedded in my mind 
musical stanzas and poetic verse [...]]]></description>
		<link>http://www.golevka.com/mystery-lady-and-sweet-romance.php</link>
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		<title>Choosing the Best Garage Floor Paint</title>
		<description><![CDATA[When it comes to painting a garage floor, you want to choose the best garage floor paint possible. The reason why people paint their concrete floors is that they want to keep the dust down and to keep it looking showroom clean. Most garage floors are stained with grease, oil and tire marks. However, applying [...]]]></description>
		<link>http://www.golevka.com/choosing-the-best-garage-floor-paint.php</link>
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		<title>Creating the Right Product</title>
		<description><![CDATA[One of the things I see so often is speakers, coaches and consultants creating products without a roadmap.  They create products because someone said that&#8217;s the one to create, or that&#8217;s the one that will sell the best.  They devote time, money and energy developing products.  And they&#8217;re left with products that [...]]]></description>
		<link>http://www.golevka.com/creating-the-right-product.php</link>
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		<title>Bankruptcy Laws - Help Protecting Distressed People In Debt</title>
		<description><![CDATA[Bankruptcy laws generally protect distressed people and businesses that can no longer pay their creditors. In the United States, bankruptcy laws are placed under federal jurisdiction as stated in the United States Constitution (in Article1, Section8), allowing the Congress to enact uniform laws on the subject of Bankruptcies throughout [all] the United States [districts]. Its [...]]]></description>
		<link>http://www.golevka.com/bankruptcy-laws-help-protecting-distressed-people-in-debt.php</link>
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		<title>Mortgage Rates, Loans And Financing</title>
		<description><![CDATA[Very low mortgage rates have been instrumental in increasing the purchasing power of millions in the US, Europe and around the world. For one year mortgage rates are on the rise and home prices leveling out. Foreclosures are becoming more common, especially in the American Midwest, but it is still on a low level.
We can [...]]]></description>
		<link>http://www.golevka.com/mortgage-rates-loans-and-financing.php</link>
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		<title>10 Survival Strategies to Overcoming Adversity and Being Happy</title>
		<description><![CDATA[If one thing is for certain, each of us will experience some form of adversity while we are still breathing on this Earth. Unfortunately, some of us will experience more than our fair share of adversity, either in the workplace or in our personal lives.
Over the years, I feel I have been fortunate to experience [...]]]></description>
		<link>http://www.golevka.com/10-survival-strategies-to-overcoming-adversity-and-being-happy.php</link>
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		<title>What Is Chapter 7 Bankruptcy</title>
		<description><![CDATA[Chapter 7 of the Bankruptcy Code presides over the process of liquidation under the bankruptcy laws of the United States. (Compared to this, Chapter 11 presides over the process reorganization of a bankruptcy). Chapter 7 is the most common type of bankruptcy in the United States. When an unsuccessful business is deeply in debt and [...]]]></description>
		<link>http://www.golevka.com/what-is-chapter-7-bankruptcy.php</link>
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		<title>Getting the Right Holiday Insurance Policy</title>
		<description><![CDATA[Over the last few years, many travel companies in the UK have been offering a range of special offers on holiday insurance to help people to save money. These cheaper prices for cover have led to a number of benefits for travellers including the ability to save money on their standard level of insurance cover, [...]]]></description>
		<link>http://www.golevka.com/getting-the-right-holiday-insurance-policy.php</link>
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		<title>How to Make a Scrapbook Album for a Baby Boy</title>
		<description><![CDATA[You have just become the proud parent of a baby boy. Whether this is your first child or not, youll want to commemorate this special event by creating a baby scrapbook. Its easy and fun to find creative ideas for scrapbooking your son.
The first thing that you need to think about when it come to [...]]]></description>
		<link>http://www.golevka.com/how-to-make-a-scrapbook-album-for-a-baby-boy.php</link>
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		<title>Food Allergies</title>
		<description><![CDATA[Allergy is a condition in which the body tends to react due to hypersensitivity to some substance such as food, drugs, drinks, pollution, flowers, and others. An allergen can be anything under the sun that might cause a reaction in ones body if the body disagrees with that substance. Even a common thing such as [...]]]></description>
		<link>http://www.golevka.com/food-allergies-2.php</link>
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		<title>40-Year Mortgages: An Alternative to Interest-only Loans?</title>
		<description><![CDATA[Interest-only loans are quickly becoming a mainstream loan product. Borrowers who were initially turned-off by the perceived risk associated with an interest-only loan are now starting to see the benefits: Lower payments, less money tied up in equity, more flexibility, etc.
For the savvy borrower, an interest-only loan can be an important component to an overall [...]]]></description>
		<link>http://www.golevka.com/40-year-mortgages-an-alternative-to-interest-only-loans.php</link>
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		<title>Where Would You Look?</title>
		<description><![CDATA[Recently I have been reminiscing about my grandfather and all of the lessons he taught me. The funny thing is, I dont even think he was aware that he was doing it. It wasnt until much later in life that I became aware of what was being taught.
For instance, one warm day in Santa Cruz, [...]]]></description>
		<link>http://www.golevka.com/where-would-you-look.php</link>
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		<title>The Best Response is a Proactive Response</title>
		<description><![CDATA[I started my preparation for today&#8217;s article like any other day; I woke up and logged myself in to Facebook.  As I made my way to the news feed, I noticed that a few of my friends had joined a group called &#8220;How to get gas back down to $1.30.&#8221;  As an individual [...]]]></description>
		<link>http://www.golevka.com/the-best-response-is-a-proactive-response.php</link>
			</item>
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		<title>Choosing Your Carpet Or Rug Color</title>
		<description><![CDATA[Choosing a color for your floor can often seem like a daunting task because there are so many colors to choose from and color trends have changed. So here are some basic tips for choosing the color of your next carpet or area rug.
When choosing a color for your new carpet, never trust the color [...]]]></description>
		<link>http://www.golevka.com/choosing-your-carpet-or-rug-color.php</link>
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		<title>It&#8217;s Still Hard to Beat &#34;Do-It-Yourself&#34; for Business</title>
		<description><![CDATA[For those would-be entrepreneurs who are searching for the &#8220;right&#8221; business opportunity, the choices are practically endless. They can also be quite bewildering&#8211; and sometimes downright confusing. When you consider all the internet websites, magazine advertisements, email solicitations, and plain old &#8220;have-I-got-an-opportunity-for-you&#8221; phone calls from friends and family, how do you know what will really [...]]]></description>
		<link>http://www.golevka.com/its-still-hard-to-beat-do-it-yourself-for-business.php</link>
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		<title>12&#215;12 Scrapbook Albums - An Industry Standard?</title>
		<description><![CDATA[Scrapbooking albums come in many sizes from 6&#215;6, 8&#215;8, 8 1/2&#215;11 and the popular 12&#215;12 format.  Over the years as this hobby has become more and more popular, some album sizes have come and gone.  The 8&#215;10 album is much more difficult to find and so is the 12&#215;14. Yet, the 12&#215;12 has [...]]]></description>
		<link>http://www.golevka.com/12x12-scrapbook-albums-an-industry-standard.php</link>
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		<title>Shopping Fundamentals for Laminate Hardwood Flooring</title>
		<description><![CDATA[If you are redesigning your home and a change of flooring is included in your makeover list, laminate hardwood flooring should be among your top choices.
The Origins of Laminate Hardwood Flooring
Laminate hardwood flooring is made up of several layers. The topmost layer is the overlay, and its made of tough material that is impervious to [...]]]></description>
		<link>http://www.golevka.com/shopping-fundamentals-for-laminate-hardwood-flooring.php</link>
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		<title>An Entrepreneur&#8217;s Biggest Cost</title>
		<description><![CDATA[When launching a new product or company, an entrepreneur must consider their biggest cost - the opportunity cost. Opportunity cost is an economic term that is defined as the cost of passing up the next best alternative when making a decision. For instance, if an asset such as capital is used for one purpose, the [...]]]></description>
		<link>http://www.golevka.com/an-entrepreneurs-biggest-cost.php</link>
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		<title>Divorce Lawyers</title>
		<description><![CDATA[Divorce can sometimes be the best option for a bad marriage. However, getting a divorce is not an easy task. The procedure usually involves a lot of legal complexities relating to the custody of children, property, alimony, child support, and other such issues. Letting a divorce lawyer deal with all of the messy issues is [...]]]></description>
		<link>http://www.golevka.com/divorce-lawyers.php</link>
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		<title>Eternal Youth</title>
		<description><![CDATA[The mind is the bridge between matter and spirit. Matter, because of its characteristics, is mutable, variable, changing , perishable and subject to laws, characteristics, conditions, qualities or defects. The spirit is immortal, stable in an absolute way; does not change, does not transform. And maintains the harmony with its supernatural state forever.
The mind enjoys [...]]]></description>
		<link>http://www.golevka.com/eternal-youth.php</link>
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		<title>Travel Insurance for Vacation Rentals</title>
		<description><![CDATA[A family booked a rental cottage last summer, arrived safely and just loved the cottage. However, on the second day of their two week stay, the mom got a call to say her father was seriously ill and not expected to live. The family packed up and returned home, and sadly, her dad died a [...]]]></description>
		<link>http://www.golevka.com/travel-insurance-for-vacation-rentals.php</link>
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		<title>Travel Insurance Tips</title>
		<description><![CDATA[If you travel you will want to read this brief Travel Insurance Tips and what are its uses.  First and foremost travel insurance is purchased to protect against the unexpected while on a vacation or business.
Whether you are traveling within your own country or overseas for pleasure or work you need to be protected [...]]]></description>
		<link>http://www.golevka.com/travel-insurance-tips.php</link>
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		<title>Allergy Treatment Guide - Know Your Options</title>
		<description><![CDATA[People face some type of allergy to all sorts of things, this may include environmental allergens, odors, fumes, food, and cigarette smoke just to name a few. Allergy treatment and testing is required when symptoms become uncomfortable and occur on a daily basis. With food allergies and small children, the process of elimination is the [...]]]></description>
		<link>http://www.golevka.com/allergy-treatment-guide-know-your-options.php</link>
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		<title>Can You Afford A Divorce?</title>
		<description><![CDATA[Are you thinking about divorce? My best advice to you is to get your finances in order. Get rid of debt and do your homework to find out where you are financially. Nothing about a divorce is easy, but facing difficult financial changes may be the most challenging practical issue. Who gets the second home? [...]]]></description>
		<link>http://www.golevka.com/can-you-afford-a-divorce.php</link>
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		<title>Non-Toxic Cleansers For Better Health</title>
		<description><![CDATA[It has been shown that household cleaning products that contain an abundance of chemicals can be a severe risk to children and pets. This is mostly due to the fact that children and pets can often find access to chemical products like air fresheners and laundry products, which in turn causes them to come in [...]]]></description>
		<link>http://www.golevka.com/non-toxic-cleansers-for-better-health.php</link>
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		<title>You May Be in Need of an Allergy Treatment</title>
		<description><![CDATA[A lot of people are suffering from allergies and simply dont have an idea about it. They sniff and sneeze every ten minutes and still they consider it a minor cold. This is not the case, and if you are one of them, you should prepare yourself to learn the bare truth: you are perhaps [...]]]></description>
		<link>http://www.golevka.com/you-may-be-in-need-of-an-allergy-treatment.php</link>
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		<title>Scrapbook Techniques - Paper Tearing</title>
		<description><![CDATA[Scrapbook Techniques  Paper Tearing
Ripping and peeling paper is a fun way to add warm, hand crafted accents to you pages. Almost any paper scrap can be turned into a cute accent. Mastering a few tearing techniques will turn your &#8220;regular&#8221; pages into &#8220;wow&#8221; pages. You can create beautiful boarders, backgrounds and shapes by tearing [...]]]></description>
		<link>http://www.golevka.com/scrapbook-techniques-paper-tearing.php</link>
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		<title>DIY Holiday Makers - Why Putting Your Own Package Holiday Together May Not Be The Best Idea</title>
		<description><![CDATA[Financial protection is normally of utmost importance for the British traveller, but many do not realise that if they book flights, accommodation and other parts of their trips independently, they are not automatically covered if things go wrong.
In 2006 the Civil Aviation Authority (CAA) conducted a poll of 5000 holiday makers and found that more [...]]]></description>
		<link>http://www.golevka.com/diy-holiday-makers-why-putting-your-own-package-holiday-together-may-not-be-the-best-idea.php</link>
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		<title>Joy for June and DailyAffirm Positive Affirmations Day by Day</title>
		<description><![CDATA[More than a superficial effervescence, joy is a deep and powerful dynamic, a consciousness in which you choose to reside or choose not to reside. Sometimes you may make your choice with stubborn determination. Other times, you may decide and then wait for the grace that allows you to experience the joyful choice.
If you believe [...]]]></description>
		<link>http://www.golevka.com/joy-for-june-and-dailyaffirm-positive-affirmations-day-by-day.php</link>
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		<title>Extreme Self Care</title>
		<description><![CDATA[EXTREME is not a term usually connected to self-care.  Self-care usually portrays a picture of gentleness, kindness, loving self or being nurturing.  People dont consider it necessary to take extreme action when it comes to self-care. Why?
First the word extreme is often only associated with dangerous sports or foolish actions when in reality [...]]]></description>
		<link>http://www.golevka.com/extreme-self-care.php</link>
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		<title>Las Vegas Bankruptcy - An Option to Resolve Financial Crisis</title>
		<description><![CDATA[Las Vegas bankruptcy cases are generally dealt by courts under chapter 13 referred to as consolidation plan so that they could go for repayment of debt for at least up to next five years instead of writing off the full amount as under chapter 7, which in real term mean one is totally without any [...]]]></description>
		<link>http://www.golevka.com/las-vegas-bankruptcy-an-option-to-resolve-financial-crisis.php</link>
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		<title>Mid Income Crisis</title>
		<description><![CDATA[Are you feeling sad lately? Unfulfilled and dissatisfied with life?
What is it that is causing this epidemic of discontent among middle age, medium income women? In a fast paced society of today along with a boat load of choices come more stresses. It seems that while the generations before us spent their lives trying to [...]]]></description>
		<link>http://www.golevka.com/mid-income-crisis.php</link>
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		<title>Create a Journal Scrapbook Instead of a Diary</title>
		<description><![CDATA[Many people turn to writing as a means of journaling their thoughts, their feelings and the activities that go on in their lives from day to day.
I know that while Ive kept many journals, both in books and on the computer, I almost never go back and read them. Once in a while Ill search [...]]]></description>
		<link>http://www.golevka.com/create-a-journal-scrapbook-instead-of-a-diary.php</link>
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		<title>New Bankruptcy Law - How Filers Will Be Affected</title>
		<description><![CDATA[The new bankruptcy law, officially known as The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, is aimed at making it more difficult for debtors to file for bankruptcy under chapter 7.
Prior to the new law, which took effect on October 17, 2005, potential filers could walk away from their debts after giving up [...]]]></description>
		<link>http://www.golevka.com/new-bankruptcy-law-how-filers-will-be-affected.php</link>
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		<title>Garage Floor Tiles - The Next Project In Your Home</title>
		<description><![CDATA[There is not a room left in your house that has to be remodeled.  You have done home improvement projects until you feel that at this point in your familys lifestyle, all has been done that could be done.  Is one of you itching for just one more project.  Whether it is [...]]]></description>
		<link>http://www.golevka.com/garage-floor-tiles-the-next-project-in-your-home.php</link>
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		<title>A Teller Of Tales</title>
		<description><![CDATA[Direct Answers - Column for the week of June 10, 2002
I told my daughter I didn&#8217;t think my daughter-in-law paid enough attention to her oldest son, 8. He has attention deficit hyperactivity disorder, is on Ritalin, and lately has been kicking and hitting little kids.
My daughter and I had a falling out, and she told [...]]]></description>
		<link>http://www.golevka.com/a-teller-of-tales.php</link>
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		<title>Mortgage Loan  Avoid Predatory Lenders</title>
		<description><![CDATA[When you are in the market for a mortgage or a home equity loan you want to steer clear of predatory lenders.  Predatory lenders take advantage of homeowners with excessive fees, penalties, and rates.  Here is all you need to know to avoid bad lenders.
Pick an Honest Lender
Finding a reputable mortgage lender is [...]]]></description>
		<link>http://www.golevka.com/mortgage-loan-avoid-predatory-lenders.php</link>
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		<title>An Introduction To Second Mortgage Loan Rates</title>
		<description><![CDATA[Many people use a second mortgage to generate much needed funds. It is just a loan on property owned by you. However in case you default on payments your first mortgage would have legal preference on receiving payment than the second mortgage.
Usually a second mortgage is used for home improvements, to avoid private mortgage insurance, [...]]]></description>
		<link>http://www.golevka.com/an-introduction-to-second-mortgage-loan-rates.php</link>
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		<title>Live a Life Without Limits - How Big is Your Pond?</title>
		<description><![CDATA[Whether you are flipping hamburgers at some unknown fast food store in the middle of nowhere, or you&#8217;re about to receive an Ivy League College degree, you were fashioned for greatness.
Yes, I believe there is somebody great in each one of us. Somebody who is destined to be a blessing, to impact other lives, to [...]]]></description>
		<link>http://www.golevka.com/live-a-life-without-limits-how-big-is-your-pond.php</link>
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		<title>See How Easy it Is to Choose Cut Pile or Loop Pile Carpet</title>
		<description><![CDATA[All carpet types start out as loop pile. During the manufacturing process, these loops are cut, which creates the various textures and patterns of the cut pile carpet type. In the process, if some loops are left uncut while others are cut, the end result is cut and loop pile carpet.
All of these types of [...]]]></description>
		<link>http://www.golevka.com/see-how-easy-it-is-to-choose-cut-pile-or-loop-pile-carpet.php</link>
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		<title>The Investor&#8217;s Perspective</title>
		<description><![CDATA[Investors, which can include wealthy individuals, strategic alliances, financial institutions, venture capital firms, stock brokerage houses, etc., want to know, among other things, six basic things about your capitalization plan:
1. Who are you?
Including your management teams background in the business plan or prospectus. More experienced management teams have a greater probability of raising capital. Do [...]]]></description>
		<link>http://www.golevka.com/the-investors-perspective.php</link>
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		<title>Grey Gardens Tickets - A True Story</title>
		<description><![CDATA[Grey Gardens is a play based on the true story of two real life characters, Edith Ewing Bouvier Beale and her daughter Edith Bouvier Beale, more popularly known as Big Edie and Little Edie. Their discovery makes an interesting story. Documentary film makers, Albert and David Maysles were filming in Long Island in 1973 and [...]]]></description>
		<link>http://www.golevka.com/grey-gardens-tickets-a-true-story.php</link>
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		<title>A Quick Guide to Convertible Mortgage Loans</title>
		<description><![CDATA[These days, it is amazing how many different mortgage options there are on the market. Some are better than others, and convertible financing can be one of the best.
In the old days, property financing boiled down to two options. You could get a fixed rate loan or an adjustable rate mortgage. Both had their advantages [...]]]></description>
		<link>http://www.golevka.com/a-quick-guide-to-convertible-mortgage-loans.php</link>
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		<title>Best Home Mortgage Loan Refinances</title>
		<description><![CDATA[A home mortgage is one of the most commonly used methods to buy a home in many countries. A mortgage is a kind of loan which uses the property that is being bought with the loan as collateral.
Home mortgage loan refinance is an option where the borrower takes out another mortgage using the same property [...]]]></description>
		<link>http://www.golevka.com/best-home-mortgage-loan-refinances.php</link>
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		<title>Defusing That Killer Storm Within You</title>
		<description><![CDATA[Weve seen the damage of Katrina and fear the potential of new storms brewing in the Atlantic. The recent tsunami flooding lowlands from Asia to Africa, the terrible earthquake in Pakistan, India, and the legendary Kashmir, keep us on alert and on edge. We cant control earthquakes, but we have the potential of going beyond [...]]]></description>
		<link>http://www.golevka.com/defusing-that-killer-storm-within-you.php</link>
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