Windows computer systems are impressive machines when it comes to disposing day to day work but the fly in the ointment turns up to be the situation when your system run out of disk space memory. This disk space shortage can happen due to various reasons which include cluttered and unorganized data on your system. Your disk space can cause many troubles to your system when it is over occupied. You can follow certain steps to deal with this situation. Let’s discuss a few steps to keep your system’s disk space free from cluttered and unorganized data.

Use a Disk Cleanup tool: This is an effective tool to clean your hard drive effortlessly. Use this tool to free up enough space on your system to make it run smoother. To do so:

· Open the Start button and Run “Disk Cleanup” and select it from the list.

· When prompted select the drive you want to clean and press OK.

· Select the check boxes to pick the file types you want to delete and press OK.

· Select Previous Windows Installation(s) check box to remove data from any previous installation of Windows.

· Now go back to the Computer in File Explorer and select the drive which you have cleaned and Refresh.

Uninstall desktop programs you don’t use: Use this feature to uninstall all those apps and programs you no longer need or use. To uninstall desktop apps, go to Start > Control Panel > Programs > Programs and Features > Uninstall a Program. When prompted select the programs or apps you don’t want any more.

Certain programs include an option to change or repair the program itself in addition to uninstalling it. To change a program, click Change or Repair option.

Archive or delete unnecessary files: Your system stores lot of unnecessary and unused files and programs which get piled up over time. This accumulated data includes temporary files, old data files, unused files and programs, duplicate files and lot other unnecessary data. This data not only occupies precious disk space but it affects system speed and performance. Try to delete unnecessary data from your system or take backup on external drives.

Backup data on the Cloud: Cloud services offer a wide range of options to take backup of your important data on Cloud servers. This way you can store your important data on these servers and can access and restore it anytime anywhere. Using this option, you can spare some disk space for other important data.

Add more storage: This comes as a longer-term solution for your disk space worries. Try to expand your system’s disk storage capacity by using removable drives like SD Cards, USB, DVDs, CDs etc. or try SSD or larger hard disks. Hence it can prove bit costlier to apply.

Following these simple steps, you can find a solution for a lot of your disk space worries. This way you can not only recover a lot of disk space but it will improve your system speed and performance.

You have woken up in the last week with a stiff neck and feelings of tightness, maybe even a headache. What could be could be causing this. Let’s discuss one factor: Your Neck Pillow. What is it or is it not doing for you? Is it the source of your neck pain?

What do you think of when buying a pillow? Is it comfy? That’s probably your #1 concern. You may also ask yourself – will I get a good night’s sleep? Do you need a specialty pillow because you are suffering with a pinched nerve or numbness and tingling? Others might be thinking- okay I have a king size mattress, I have to get larger pillows. Lots of things to think about when purchasing a pillow because its going to have an effect on your sleep.

Here is an important question to ask, that not many people first think of: Does your pillow keep you in alignment? This often comes into play with contoured neck pillows. You know those pillows with a “neck roll”. They can often keep you in good posture in all sleeping positions. The neck roll helps to improve and maintain that natural neck curve. This is referred to as the cervical spine lordosis. The mid-back is your Thoracic spine, and the low back is the Lumbar spine.

What exactly does good posture or alignment look like? Imagine a person standing in front of you. From the anterior-posterior (front to back), your spine should be straight up and down. From the lateral view (from the side), you should have smooth flowing curves. A “C’ curve in the neck and one in the low back. Actually the low back is more of an elliptical curve (a wider, more elongated ‘C’). With a Neck Pillow you can align the spine while getting a good night’s sleep!

One of the most common misalignments is loss of the neck curve. So that “neck roll” built into a neck pillow is very important. Always remember that posture is a window into the spine. This means that if we have good posture our spine is aligned, and vice versa. And if the spine is in alignment, then the nerves are free from pressure and there’s no pain.

Now, the question becomes: will this keep me out of pain? We know that if we keep the nerves free from pressure, then we keep pain and problems away. With a properly aligned spine, we have minimal pressure on the nerves. An aligned spine also holds the discs in position. The disc is a ‘shock absorber’ of sorts, and lies between all the bones or vertebrae. This translates in minimal pinching. That means you won’t have neck pain, shooting pains, numbness and tingling or weakness in the upper extremity.

So are you Sleeping on the Wrong pillow? Ask yourself: is it too high? Too Low? Is is too Soft?, etc… Too high means your head may be pushed forward if you’re on your back and if you’re on your side, you’re tilted or laterally bent. The opposite is essentially true for a pillow that’s too low or too soft. This may also be the case for an old/worn out pillow that’s too soft..

What if the pillow’s too firm? The big issue here is that it may be very uncomfortable. You just cannot get used to it. It’s too much for the muscles of your head and neck. Comfort is actually a big deal. This is one of the most important qualities of a pillow: Is it comfortable with side sleeping and back sleeping? Getting good sleep is of utmost importance and a pillow that’s too hard can hinder your sleep. Worse, you wake in up in pain, discomfort or a headache.

So next time you are humming or hawing over what pillow you should buy, consider all the above points. Next time you wake up in pain, consider going pillow shopping. It will do your body and your sleep some good. I guarantee it.

Today’s family is generally cut down to almost “no time.” Parents are working longer hours, kids and teens attention is being consumed by social media, television and even texting entire conversations. The distractions are all around us. Heck, I remember when I was younger we actually had to get on our bikes and ride to visit friends and then we talked with them using our voice.

Times have changed, but not all of it has been for the better. Families need more alternatives to spending time together than just “friending” each other on the internet and “posting” about the days events. Without interaction together it is difficult to really know a person.

Luckily there is a great way to solve this issue. Spend time together without electronic distractions, get to know one another and get bodies in motion for exercise. It’s called paddle sports. Quite commonly known as kayaking, canoeing, and the growing popular stand up paddleboards, or SUP’s.

Throughout the world we are blessed with many rivers, lakes and other bodies of water that are there for the exploring. Not to mention the natural beauty Mother Nature is willing to share. The type of scenery is only found via watercraft.

Sure, boating is great too, but it has some major disadvantages. It cost money for gas, insurance, docking and so forth. It is also very difficult to get into those little nooks and crannies of nature. Using a kayak, or canoe doesn’t require any extra money. Only a paddle and some human power.

This outdoor water sport is taking off like a rocket to the moon. Parents, kids, teens of all ages are falling in love with paddle sports the world over.

By using a lightweight vessel and an oar people can paddle and explore things that cannot be seen unless on the water. It doesn’t require a big vehicle to tow, it can even be done with a small vehicle with the right trailer.

Kayak trailers specially built to be lightweight, yet carry several paddle sport boating vessels can be purchased to accommodate many kayaks and canoes and still be pulled behind a small car. Imagine this, the entire family, some friends all getting together and spending the whole day on the water, or at the park and just getting to know each other and spending time without texting, or emailing. This is all possible.

So come on people. Gather the troops, get your friends together, get the children out of the house and enjoy mother nature. You have a world to explore, it’s time to get going!

Startup New Zealand website comparebear.co.nz has expanded its services to help Kiwis get the best prices for their broadband needs.

The recently launched website, which offers utilities comparison, initially offered only power comparison, but has now expanded to include broadband comparison. The new service launch has already seen thousands of users compare, switch and save on their broadband.

Compare Bear was founded this year by Michael Speight – a former Facilities Manager – and Denis Tyu’kov – a former Financial Auditor. Both decided to quit their career jobs to dedicate their time to helping Kiwis save on their everyday bills.

“In the small amount of time the website has been running, we’ve had tens of thousands of New Zealanders use the Compare Bear website.” says Speight. “From those, thousands have found a better deal on their broadband using our online comparison tool. We saw many users switch and save on their electricity providers using Compare Bear, and now the broadband comparison service is proving to be working just as well!”

“Being able to help everyday Kiwis save on their bills is a really great feeling for us.” adds Tyu’kov. “We set out on a mission to save our customers time and money, and the feedback we have got from them has shown us that we are achieving this mission! There’s not many services available out there that gives users the tools they need to get unbiased price comparisons, and we are happy to now be providing that service.”

With Compare Bear, users answer a few questions – such as their location, usage and speed preferences – and are presented with a range of options best suited to their needs. Each option has a full breakdown of what’s included, so that each plan can be compared by the same standards. If users choose to sign up with another internet service provider, it’s a simple process to make the switch.

With the success of the power and broadband comparison service, founders Speight and Tyu’kov predict more utilities comparison services to come. “The next comparison services we plan to launch is mobile phone plan comparison and travel insurance comparison.” Speight says. “And we won’t stop there either – we can’t wait to continue adding more valuable free comparison services to our website!”

There are no charges to users to use the Compare Bear website – it’s 100% free and easy for everyone to use.

Much of what I write here may be “old hat” to the experienced cruiser. But to those new to cruising, they can be unexpected even though your travel agent and the brochures you read may have mentioned the items I’m writing about. Experiencing them for the first time is often surprising.

The first surprise is the Personal Identity Card that is issued to you when you roll up at the cruise terminal. You attach it to a lanyard and put it around your neck. It becomes your on-board companion for the cruise. It is the key to your state room; the card you use to purchase items, such as drinks or coffee on board and, with your passport, your right to get back on the ship.

As you board the ship for the first time the crew check your card and take a photograph of you so that each time you leave or return to the ship your card and therefore your photograph are checked. The card also allows you to check your on-board account to see the extent of your purchasers. This also tells you what on-board credits you have. It is quite an unexpected sight, seeing a gentleman in a tuxedo on a dress-up night, wearing his card around his neck.

Now that you are actually on the ship, you need to find your cabin. Oops, they don’t have cabins on board ship anymore. Cabins are state rooms. Finding your state room for the first time is a challenge. There are so many decks, people on the move and very long corridors on every deck. However, there are many crew members around to show you the way. The surprising image of the crew is that there are many different uniforms, each crew member having different roles. Their most important role is to keep the passengers happy and wanting to cruise again.

As you can imagine, with the size of the ship getting lost is easily achieved. So, with the help of the map provided when you board, you are able to get your bearings and get around the ship with ease.

When you first arrive at your cabin, your steward is around to meet you and explain whatever you need to know. He has already put your bags on the bed ready for you to unpack. Each morning he cleans your room and in the evening your bed is turned down, chocolates are on your pillows and the daily newsletter is there for you to plan the next day’s activities.

One of the pleasures of the cruise is the onshore excursions. What is unexpected is the detail to which the crew go to get you on the right tour at the right time. Often, on the day you board the ship, you’ll find in your cabin all the tickets for these tours plus instructions on where and when to assemble on the day of each tour. At the assembly points, you are given a sticker that is attached to your shirt or blouse indicating which tour you are on and any other data you need to know. Each tour is colour coded.

I thought that this process was spectacular but the process for leaving the ship at your destination is even more spectacular. Some days into the cruise you are to fill in a form regarding on how you wish to embark. This involves a time, whether you are catching a plane and so on. Then a few days before you disembark, you get a time, special signs to put on your bags and a place to meet to disembark. Your bags are taken the night before and await you in a designated area on shore ready for you to collect. This process is much quicker than the process to board the ship.

Exercise is one thing you need to do because the meals are so good that we all tend to overeat. A gym on board is expected but having a promenade deck that circumnavigates the ship is a pleasant surprise. The one on the cruise ships I have been on is about 500 metres around or three circuits make a mile. Many passengers are to be seen doing circuits each and every day.

There are novelty/speciality occasions during the voyage. I’d just like to mention just two. On our first cruise, Remembrance Day occurred. A solemn service was performed. The other one to mention is Captain’s Circle Cocktail Party where the announcement of who, on this cruise, has the most cruise days is made. On our last cruise, the number of cruise days was over 2000. That’s well over five years cruising.

The final unexpected happening was the docking of these big ships. They do it with tugs just standing by to help only if necessary. I was staggered with how these big ships were manoeuvred into seemingly very narrow berths.

The reader might believe that these unexpected happenings are the end of the surprises for a first time cruiser. These are all I remember. You can look forward to even more. Happy cruising!

As a Credit Officer or Underwriter, you will prepare credit offerings that analyze financial data, industry risk, evaluate collateral and loan structure to determine the creditworthiness and financial condition of borrowers consistent with bank standards. You will decide the extension of credit within prescribed approval authorities and provide papers on commercial credit risk management.

Optimist now provides users with total flexibility to create, manage and edit loan approval documents – offering unlimited potential to create custom reports. Customized ‘templates’ are simply built within popular MS Office applications such as Word and Excel. If declining credit quality trends relevant to the types of loans in an institution’s portfolio are evident, the ALLL level as a percentage of the portfolio should generally increase, barring unusual charge-off activity. The system aids a credit officer in the risk assessment and completion of a loan package. The system thereby improves loan turnaround time and customer service, improving loan servicing capacity, quality, and consistency of credit decisions, and reducing costs. Find papers on commercial credit risk management to get details.

This first-of-its-kind credit risk benchmarking for commercial real estate enables lending institutions to compare their respective risk profiles in defined portfolio segments to industry peers. The Service provides an ongoing ability to monitor an institution’s relative exposure to risk in these key portfolio segments and to manage policy, pricing, and compliance accordingly. The loan administration function is a critical element in the credit risk management process and should be separate from the lending unit. It is noteworthy that the regulatory rating for asset quality takes into consideration the effectiveness of a bank’s credit administration practices and not just its underwriting practices. As a financial intermediary, banks borrow funds and lend them as a part of their primary activity. This intermediation activity of banks exposes them to a host of risks .

In a bank’s portfolio, losses stem from outright default due to inability or unwillingness of a customer or counterparty to meet commitments in relation to lending, trading, settlement and other financial transactions. Alternatively, losses result from reduction in portfolio value arising from actual or perceived deterioration in credit quality. This unequal treatment leads to artificial arbitrage by banks, such as renewing short loans rather than lending long. In fact, there is an embedded diversification effect in the 8% ratio since it recognizes that the likelihood of losses exceeding more than 8% of weighted assets is very low. Rather than try to cover all lines of business, we focus on the commercial credit and commercial real estate lending processes.

Working for the risk management team of this leading commercial lender, this role based in West London relies on Risk professionals to objectively manage the credit. A member of the S&P 500 and Fortune 500, it maintains leading positions in asset-based, cash flow and Small Business Administration lending, equipment leasing, vendor financing and factoring. The CIT brand platform, Capital Redefined, articulates its value proposition of providing its customers with the relationship, intellectual and financial capital to yield infinite possibilities. Simple delinquencies, or payment delays, do not turn out as plain defaults, with a durable inability of lenders to face debt obligations. Many are resolved within a short period (say less than 3 months).

Moody’s KMV is the world’s leading provider of quantitative credit analysis solutions to lenders, regulators, investors and corporations. We help credit professionals enhance the economic returns of their businesses by creating solutions and services based on advanced financial theory and statistical analysis. This means a national network of lenders from which you can purchase or sell loan participations. All with the comfort of knowing that FCC is professionally managing the participation relationship within agreed upon terms and above average participation monitoring. Search for papers on commercial credit risk management to get more details. One banker friend of mine told me that he has been wearing milk-bone underwear for at least the last two years in this dog-eat-dog world of lending. However, with things tightening in the financial marketplace, accessing commercial credit is only going to become more and more difficult.

Do you wish to praise your getaway in an unexpected way? Do you look for disengagement from the secretive life? Would you like to value the idea of some tranquil place? On the off chance that indeed, Paxos is the best alternative you should search for. It is a delightful island in Greece set in the Ionian Sea. It is, obviously, an extraordinary and particular approach to make the most of your occasions under the lap of calming regular excellence far from all confusion. This is an ideal method to appreciate the quietness in case you’re the person who does not search for a vacation goal where you can party and appreciate the nightlife. Plan a vacation to the lovely island of Paxos to appreciate the quietness of the common environment, well disposed local people and the antiquated settlement.

This island of Paxos has a great deal to offer including the delightful olive forest encompassing, rocks shorelines, cypress trees, precipices and bays. For an entire day, this little island has a great deal to investigate. Book a ticket to Corfu and afterward take a ship ride to this excellent island since this place does not have an aerodrome. So conduit is the best way to achieve this island and for this, ensure you don’t have nausea.

This pretty island of Paxos is encompassed with wonderful harbour towns Gaios, Loggos and Lakka. Among all these three, the busiest one is Gaios encompassed with a few shops, eateries and many taverna. Loggos on the opposite side is an angling town with waterfront tavernas where you can appreciate the Greek dinner. Lakka is a truly looking shielded sound encompassed by shorelines that are a blend of stones and white sand.

Give a delay to your bustling life to unwind and feel the peacefulness. Be it a month or seven days; appreciate visiting another shoreline consistently. Astonished? Truly, a month is expected to visit every one of the shorelines situated on this island since it has 30 shorelines to walk around the east drift. Nonetheless, a couple of the shorelines can’t be found without a vessel ride. What’s more, on the off chance that you wish to cover the west drift too, you need to pick the conduit for the equivalent.

Strolling is the most ideal approach to investigate the most out of the island or you can likewise think about climbing to navigate the untainted regular excellence of this superb Greek island. Plan your stay in one of the excellent villas in Paxos to respect the nature and furthermore plan a visit to Erimitis cove to appreciate the dusk. This place demonstrates the best nightfall see and can enable you to appreciate harmony in the most extreme quietness.

There’s much more to investigate at this delightful place and to appreciate the serenity, take a ride for the Antipaxos where you can have a ton of fun at the two confined shorelines that enables you to appreciate the isolation to finish everything. Wander around the island and visit hundreds of years old holy places to find the way of life of antiquated occasions. To find out about the custom, culture and authentic magnificence, think about visiting the exhibition hall. It is a place that unquestionably has everything about the island put away under one rooftop.

Beautiful and picturesque Paxos in Greece is a place that is worth your time and money, helping you in having the best time with either your family, friends, companion or your own self.

Identifying affordable home insurance that offers a lot of value at a reasonable price isn’t an easy process. Still, you can reduce some of the difficulty by searching for quotes and knowing how to compare them properly. It’s never a good idea to rush into things. Don’t just sign up for the insurance plan with the cheapest premiums. First, take the time to determine how much coverage you’re going to get with each plan. The best priced homeowners insurance for you will be the one that offers the exact kind of coverage you need at a price you can afford. Also, you’ll want to consider how much money it will cost to have your home rebuilt in a worst case scenario, NOT how much its market value is currently worth.

The point of carrying insurance for your home / property is so that you will be taken care of during rough times, whether your house actually burns down to the grown, a thief breaks in and steals your jewelry, or a flood ruins your yard and basement. Don’t think that nothing like these scenarios are possible. There is ALWAYS the possibility that something really bad can go wrong. Your house can be fine one evening and nothing but ashes the next morning.

Speaking of fire, the best priced homeowners insurance will include discounts for things such as having smoke detectors and sprinklers installed in the home. Also, if you live in an older house and want to rebuild the roof with superior, weather-resistant materials, you could potentially save money in the long run. In areas vulnerable to crime and break-ins, you can get a discount by installing security features like deadbolts and shatter-proof windows.

Mistakes With the Best Priced Homeowners Insurance

Don’t make the mistake of underinsuring yourself just to save some money every month. Your coverage limits won’t automatically adjust to your property’s falling or rising market price.

On the other hand, the best priced homeowners insurance for you won’t include the things you DON’T need, either. This means that you don’t want to make the mistake of OVER-insuring yourself. You’ll want to carefully look over all of the options and quotes to determine which offer covers what you need, but nothing more.

What about the contents? Certain things like furniture are standard in insurance policies, but expensive jewelry, furs, artwork, or silverware might be subject to coverage limits, which means a special endorsement will be required to cover their full value.

Opt for Lemonade Insurance Company to obtain the best priced homeowners insurance. With features like a unique pay-back system, a flat fee to “run everything”, and superfast claims processing, you really can’t go wrong.

AWOL Academy is a teach academy that will teach you step by step how to design, develop your own website from your own home.

How to start up an affiliate network, perform affiliate marketing to make from the comfort of your own home.

Why am I telling you about this? Because I believe everyone should know about this. Let them make up their own mind about it. It allows me to help others out of difficult situations like the one I was in before.

I was living paycheck to paycheck having a hard time making ends meet. I felt like all I was doing was living for creditors and I would be better off dead. Thank goodness for this program. Its changed my life for the better. Thanks Keala

You will learn from Professional, successful affiliate marketers whom make millions every year. They share their knowledge and expertise to help you succeed. He has helped me and countless others make as much as 10K a month or more. Who out there can not use extra money in their pockets? Who can pass this up?

Let Keala and friends show you how a This Former Coffee Shop Employee Quit His Job And Started Traveling The World… Living Like A BOSS!

They will teach you all the secrets that will help you earn money like never before. You will be able to quit your present job and living the life you always dreamed about for a hour or so of your day.

Here is what Keala wrote:

I still remember what it was like working for minimum wage in a coffee shop…

… and if you’d have told me back then that one day I’d be living a life of Fortune, Fun, and Adventure, I probably would’ve laughed you out of the room.

Back then, I couldn’t even imagine the life I’ve been able to create today… all by learning a few simple, “cutting-edge” skills that tap into a little-known “honey hole” of opportunity. I call it the “Digital Economy”.

Needless to say, most people have never even heard of it, much less capitalize on it. Which makes perfect sense when you think about it…

… no school/college is teaching this.

… there’s no formal degrees or certifications.

… and, while almost everyone is impacted by it, few even realize it exists.

And that’s why I’ve put together a 100% Free, downloadable PDF called “Freelance Marketing Secrets” that you can access right now by clicking here:

It’s short, simple, and reveals EXACTLY how you too can tap into this “Secret Economy” quickly, and easily by leveraging a few simple-to-use tools that do most of the work for you.

In fact, as a BONUS, once you download the Getting Started Guide, you’ll also be able to attend a Live Online Workshop where I’ll tear back the veil and show you step-by-step how you can ethically steal my exact formula.

News Feed Link Description: Your “Freelance Marketing Secrets” Started Guide includes shortcuts to get you started quickly PLUS the simple tools that do most of the work for you…

What can it hurt to check it out, except for a few minutes of your time.

It could change your life for the better. Missed opportunities will cost you more then just time. Don’t kick yourself later by passing up.

It changed my life. I never knew I could make so much money. I’m really surprised everyone isn’t doing it. LOL

Click here to check out for yourself. You will receive a link directly to a webinar sign up. In this webinar you can decide for yourself:

thanks,

Donald Crenshaw

Parenting & Driving – so similar!

Parenting and Driving a car have more similarities than you might think! When your car is Empty it won’t run – well the same goes for you as a parent!

For a car to run well you need to fill it with good quality fuel and get it serviced regularly. You need to take lessons to learn how to drive and then get to know and understand the model and make of your car to ensure it runs well and stays in good condition for many years to come. Every time you buy a new car, you need to adapt your driving skills to meet your cars individual needs (such as, whether the car is an automatic or manual, whether it runs on petrol, diesel, or whether it’s a hybrid or electric car).

These process steps are very similar to the steps required for good parenting

For you to have the energy, stamina and patience required to parent well, first you need to fill your body and mind with good quality fuel (healthy food) and maintain your body with good quality quality sleep, positive relationships and reduced stress. Then you need to gain the parenting skills required to put good parenting into practice. Finally you need to understand your particular child’s temperament and personality to know how to adjust the tools to meet your child’s individual needs.

What happens if you forget or neglect to put fuel in your car, or you fill your car with the wrong fuel or cheaper fuel?

ANSWER – You car will break down and may end up with permanent damage.

The same thing happens to you if you fill your body with junk and neglect to look after yourself over a period of time.

What happens if you rush through your driving lessons while trying to get your license?

ANSWER – You’ll feel frustrated and defeated once you fail your test whilst your car sits there not being able to be driven.

The same thing happens to you as a parent. If you don’t learn the right parenting skills, you’ll muddle your way through parenting, regularly feel like a failure and feel frustrated

What happens if you don’t learn the specific needs of the car you have chosen to purchase?

You’ll drive the car into the ground as you attempt to force the car to be driven in a way that does not suit the car’s specific needs.

The same can be said for parenting. If you don’t take time to understand your child’s temperament needs, you’ll keep trying to push parenting techniques like controlled crying, or time outs that don’t suit all children and assume your child’s tantrums are simply the result of bad behaviour.

In both cases, missing a step, can have significant impacts on you, your child and on your relationships. So each step is as important as the last and should not be taken for granted.

So what can you do to start ensuring you are following the right steps…

If you haven’t done so already, download my free starter course to gain some quick tips you can implement into your life right now.

The guide is 100% free and it has easy to follow steps to get you started.