The foreign exchange market, or FOREX as it is famously called, plays a key role in the exchange of currencies in international trading. A buyer or seller looking to accept payment from an overseas customer cannot accept it in the currency from the place of origin but has to receive it in the currency of the place of business. To facilitate this, businesses need a thorough understanding of how currency trading works. From small time businesses to multinational organizations use the medium of FOREX trading to handle revenue from international businesses. While the bigger companies have dedicated individuals/teams dealing with the intricacies of foreign currency exchange, the smaller organizations or individuals, specifically investors, who deal with the FOREX market single-handedly need to understand the basics to make are that even if ether are no profits from the transactions latest losses have to be prevented. The two most basic points to remember while being an individual trader or investor is to not fear loss but always look for opportunities that can help with proper trading, and also remember to keep a check on the volume being traded as greed can lead to major crashes. In brief, apart from having a basic understanding and the skill set required for FOREX trading, it is also important to be self-disciplined and keep a steady track of the FOREX market to avoid any illegality or major crashes because having a bleak understanding of the risk factors involves will help to navigate through crisis situations. One of the most important research tool that will help with making good trades on FOREX would be have resources that will regularly provide updates about the market trends. Since the FOREX market is open five days a week and available 24 hours on those days, an investor or trader will have to pick an appropriate country that will yield the maximum benefits. It is important to cut losses and trade small in the beginning as bigger amounts of trading will end in bigger risks. Its better to pick one destination at a time rather than invest all your chips in. The best combination with market trends would be to plan a strategic entry and exit time frame that will help with proper investment. In the course of these investments it is also mandatory to develop a comfortable system to calculate the outcome of these investments. While an occasional trader may not suffer any disadvantages, a person looking to be a periodic investor or trader in the FOREX market needs to start with the trial and error method in trading and then find the most reliable foothold to advance to the big game.

Also known as heart rate, a pulse rate is basically the number of heart beats every minute. The heart refines and pumps blood to all parts of the body, and hence you can experience pulsing in distinct areas of the body such as the wrist, upper arm or the neck. By keeping a tab on your pulse rate, you can easily figure out your heart's health. Not just for medical purposes pulse rate is also significant when it comes to workout sessions. Usually, athletes or fitness enthusiasts can examine their pulse before and after exercise. If you are wondering how this is determined, here's your answer. The two primary components for gauging physical performance are resting pulse rate and maximum pulse rate. Resting pulse rate In simple words, a resting pulse or normal pulse rate is your number of heart beats per minute during the period of absolute inactivity. It essentially estimates your general cardiac condition and the kind of effort it has to put in while you are dealing with regular tasks. According to the normal pulse rate chart if you have fantastic fitness levels then your heart doesn't have to work hard to regulate blood processes. That means for an extremely fit athlete, the average pulse rate will lie between 40 to 60 beats. Similarly, for an ordinary individual, the pulse rate chart suggests a figure of 60 to 100 beats. On the other hand, for kids, the BPM (beats per minute) are usually high, i.e., from 70 to 150, but this number can vary for every person. Maximum pulse rate As the name suggests, this pulse rate is the upper limit of beats that a heart can regulate within a minute after an intense physical workout. The average maximum pulse rate varies according to age and gender. According to the pulse rate chart for individuals in their twenties, the maximum pulse will be 200, as compared to someone in their forties having a rate of 175 to 180. With this number, athletes can determine their capacity for hardcore training sessions. As an athlete being aware of your resting and maximum pulse rate will assist you in designing the right target pulse rate chart. This will ensure that you don't over exert your heart or undertrain while performing exercises. Not just for hardcore practice, this can be useful for weight loss, regular exercises, body toning, and building stamina. Monitoring your personalized pulse rate chart will also help you develop stronger cardiac functions with time.

Since we are a part of a society, it is every citizen's responsibility to respect each other's right to lead a life with dignity and not endanger each other. Keeping in accordance with this belief, our actions aren't supposed to harm others. Reckless driving, disregard for rules, endangering the lives of others, etc. can lead to some serious consequences, and as a responsible citizen, one needs to ensure that they do everything in their power to adhere to the rules of safety. Death by accident is on the rise. One can see people blatantly violating traffic rules, and they pose a threat to themselves and others who come in their way. Though you might be a safe driver, if the person in the car behind you decides to cut the lane without prior warning, everyone's life is at stake. Normal driving schools teach you to contain the disaster, whereas, a defensive driving course will train you to spot the danger a mile away and take timely measures to avert it. If you are on a tight schedule and cannot enroll in those traditional classroom-based defensive driving courses, you can heave a sigh of relief since these defensive driving courses are now online. If you wish to enroll in one, here are some amazing online defensive courses you can take.

• Digitaldriving.com- Here's an online defensive driving course that allows you to experience the perks of a classroom-based defensive driving course in the comforts of your home. Here everything will work according to your convenience. You can log in anytime, take the course anytime, and even study at your own pace. In case you hit a roadblock, you can always seek help from the 24x7 customer support.
• Aceable.com- This online defensive driving is state approved, so you wouldn't have to worry about fraudulent courses which misguide you. Unlike other online defensive courses that charge exorbitant prices, this one is quite affordable and promotes easy and smart learning. Also, you can chat with the representatives in case you have queries regarding the course.
• DrivingUniversity.com-  This online defensive driving course will ensure that you receive the best guidance ever. Here, you can take the course as per your pace, and the practical part will be taken care of by professionals who will help you in averting any possible disaster and reduce any possibility of obtaining a traffic ticket.
• Improv.com- This online defensive driving course has been approved nationwide. Thus, the certification of this course is valid throughout the country. This defensive course ensures that you are well-versed with the everything you need to learn to become a safe driver. The customer support services are great, and they can lay all your doubts to rest.

Teenagers and college students often experiment with drugs and alcohol as a fun thing. But often, this occasional drug or substance use can turn into an addiction and become really problematic for them as well as their parents or guardians. This is why there are dedicated drug abuse counseling centers across the country to provide specialized help to youth for overcoming their addiction by addressing the underlying cause behind it. Youth Drug Abuse and Subsequent Problems Youth drug abuse or any addiction to alcohol or tobacco can lead to other social and behavioral issues. These can be self-destructive or even harm others. Some examples are • Mental health problems • Physical health problems • Disruption of social or/and family life • Stress, mood swings • Financial problems • Truancy, poor grades • Violent behavior, DUI, unlawful activities • Life-long addiction issues • Risky behavior Getting Help for Youth Drug Abuse Even older kids don't often realize that they need help to overcome behavioral issues. Young people may find comfort in drugs and may not want help. Whether you are a parent, teacher or a friend of someone struggling with drug or substance addiction, know when to intervene and seek help for your loved one. Oftentimes, such situations require professional help as the problem may be deep-seated or the affected person may not feel comfortable opening up to their family members or friends. In these circumstances, seeking help through a drug abuse counseling center can be a real boon for the affected youths and their families. The benefits: • Youth drug abuse counseling centers have special programs that cater to the needs of teens, college-going students and young professionals. Young people may need treatment methods that are firm but in a non-threatening way. This type of special care is crucial when dealing with teenagers and adolescents so that they feel safe opening up to a stranger in a clinical setting. • At dedicated drug abuse counseling centers, the treatment methods are based on years of research supported by a good success rate. Professionals can also tweak these proven treatment modalities to suit each individual's unique needs. • Professionals and therapists at good drug abuse counseling centers have years of experience to deal with situations of all kinds when it comes to drug abuse. These experts can help youth understand the underlying cause of their addiction and help them overcome these in constructive ways. • Experts can also work with other family members to correct situations that have caused a young person of the family to use drugs. If a parent or both parents have abused drugs in the past or if the home environment is grossly unhealthy, trained therapists can help them resolve these issues. • With drug abuse treatments comes the need to manage withdrawal symptoms. If withdrawal symptoms are not handled well, it can also lead to suicide attempts and violent behaviors. With the help of experts at substance and drug abuse counseling centers, young people can overcome their addiction without these problems.

A cigarette is not only a tobacco filled cigarette, it also has over 600 ingredients in it. When lit up, it releases more than 7000 chemicals and over 69 of them are poisonous and cancerous. With the amount of chemicals in a single cigarette, governments are taking measures to make the public aware of the dangers of and why they should quit smoking products. There are many harmful chemicals that have been found to be a part of tobacco and cigarettes. They are listed below: Acetone – found in nail polish remover Acetic Acid – an ingredient in hair dye Ammonia – a common household cleaner Arsenic – used in rat poison Benzene – found in rubber cement Butane – used in lighter fluid Cadmium – active component in battery acid Carbon Monoxide – released in car exhaust fumes Formaldehyde – embalming fluid Hexamine – found in barbecue lighter fluid Lead – used in batteries Naphthalene – an ingredient in mothballs Methanol – a main component in rocket fuel Nicotine – used as insecticide Tar – material for paving roads Toluene - used to manufacture paint Health benefits obtained when you quit smoking

• Lowers risk for various types of cancer.
• Not smoking reduces the risk of heart disease, stroke, and peripheral vascular disease (narrowing of the blood vessels outside the heart).
• Treatments available to quit smoking helps gums and the overall oral health improves. When you quit smoking products, cardiovascular and respiratory strength and the overall health improves. When you quit smoking, it reduces the risk of heart disease within 1 to 2 years of quitting. It also reduces respiratory problems like coughing, wheezing, and shortness of breath comparatively. It also reduces the risk of developing lung diseases (such as a chronic obstructive pulmonary disease called COPD, one of the major causes of death in the US).
• By quitting smoking products, the risk of infertility in women [childbearing age] is reduced. Women who stop during pregnancy also reduce the risk of facing complications when giving birth.

Treatments and ways to quit smoking Most former smokers quit without using one of the ways and treatments to quit smoking. Following treatments are proven to help quit smoking:

• Getting help from a doctor
• Counseling: Individual, group, or via telephone
• Behavioral therapies: To train the mind to solve problems
• Personal counseling
• Deliver treatments using mobile phones
• Effective medications for quitting smoking include nicotine replacement products, nicotine patch, gum (one of the treatments to quit smoking that helps gums), and lozenges. Prescription nicotine patch, inhaler, nasal spray, non-nicotine medications are other popular treatments to quit smoking.

Checking accounts are aimed at offering account holders easy and quick access to their money. It offers the depositors efficient and accessible means to withdraw their cash for their daily needs. They have also been called demand accounts or transaction accounts in the past. The ultimate selling point of this type account is that they offer reliable and fast access to an account holder. It provides the account holder numerous ways to make transactions like issuing a check, using a debit card at an ATM, via the phone and over the internet through netbanking. The key feature to this form of account is the lack of any unlimited withdrawal facility that allows the account holder to withdraw as much of their funds as they see fit at no extra transaction cost, The number of withdrawals are usually limited in savings accounts from 3-6 times a month depending on the bank.. Different banks offer checking accounts with varying packages and offers. This could mean the minimising of charges involved. Play By The Rules Most of the banks offer free online checking accounts. However, it is imperative that the customer to check the services offered. Specifically, one must ask about hidden charges before opening an account with a bank. With internet banking, opening a free Checking Account has become a reality. Financial institutions cannot use the term free checking account if they levy charges. The customer needs to be aware of all the rules and regulations of the bank and the account one is opening. There are certain pointers to watch out before opening a free Checking Account:

• Minimum Opening Balance and Deposit Requirements
• Some financial institutions require the account holder to have a minimum balance at the time of opening a free Checking Account. It could be as high as $1, 500.

However, a majority of the institutions do not insist on maintaining a minimum balance. Bonuses and Incentives While most institutions offer no opening bonuses, there are some that offer one on opening a Checking Account. Interest is also offered on deposits or balance maintained for a period. Incentives in the form of reimbursement of ATM withdrawal fee, free checks (limited numbers), etc., are also available. Some also offer free mobile banking and/or Internet banking. Overdraft Options Checking accounts come with overdraft facilities. Most individual institutions have rules of their own however. Most of them favor having a savings account with the same institution so that the amount can withdrawn from the saving account when it is required. Paid Services Certain services can be charged, eg.

• Debit Cards
• Wire Transfers
• Insufficient Funds
• Paper-based statements
• Bill Pays

Checking accounts can be immensely beneficial. However, it is advised that the individual makes an informed decision before choosing a checking account.