Saving money

First you must be sure of what are your needs & where do you want to reach. Then you must know your spendings very well & the root causes that are responsible for leading you into financial problems.

Remember money saved is money earned.

Pay of high debts. But you need to verify if there is any penalty on the interest of the original debt or loan when you are paying early.

Lower Your Phone Bill

Lower your phone bills by using VOIP calling cards & using IM with family. The best option would be to use IM as it only incurs the cost of buying a PC & ofcourse Internet is in every home now a days.

This should help atleast to reduce telephone bills atleast by half.

Shop at large stores

Due to volume discounts, larger stores are generally cheaper than smaller ones.

Penguins Setting Off Sirens Over Health Of World's Oceans

Like the proverbial canary in the coal mine, penguins are sounding the alarm for potentially catastrophic changes in the world's oceans, and the culprit isn't only climate change, says a University of Washington conservation biologist.

Oil pollution, depletion of fisheries and rampant coastline development that threatens breeding habitat for many penguin species, along with Earth's warming climate, are leading to rapid population declines among penguins, said Dee Boersma, a University of Washington biology professor and an authority on the flightless birds.

Read more at this link:
http://www.sciencedaily.com/releases/2008/07/080701083537.htm