Some Helpful Facts on Pain and Tramadol

We all experience pain. Pain is a feeling or sensation that is felt as a result of the normal functions of the nervous system. It may come and go, or it may be constant. A person may feel pain in one area of the body such as the back, abdomen, or chest. Much worse, the pain may be felt all over the body especially when a person is suffering from the flu.
Still, pain is a natural human response to physical stress. It is actually a means to protect our body from more serious harm or injury. Without pain, a person might seriously hurt himself without knowing it. Without pain, a person would not have a compelling reason to stop a strenuous activity or take time to rest. Pain and illness, in general, help us realize the need for rest and recognize a medical problem that needs appropriate treatment. Once a person takes care of the problem, the pain eventually goes away. However, sometimes pain goes on for weeks, months or even years. This is called chronic pain. Sometimes chronic pain is due to an ongoing cause, such as cancer or arthritis. Sometimes the cause is unknown.
Fortunately, there are many ways to treat pain.
Tramadol is used to relieve moderate to moderately severe pain. Tramadol is in a class of medications called opiate agonists. It works by changing the way the body senses pain. Tramadol extended-release tablets are only used by people who need regular round-the-clock pain medication.
Tramadol is available as a prescription drug and sold under the brand name Ultram. Other brands or generic formulations are also being sold in the market. Tramadol should be taken exactly as directed by the doctor. If a person does not understand directions for the patient information leaflet that comes with every Tramadol pack, it is advisable to again consult the doctor who gave the prescription.
Tramadol comes in tablet form and has an extended-release variant that is also taken by mouth. The regular tablet is usually taken with or without food every 4-6 hours as needed. The extended-release tablet should be taken once a day. Tramadol should be taken exactly as directed. The medication should not be taken more than prescribed by the doctor.
However, almost all drug-related literature or pharmacy sites provide information about known and possible side effects of a certain medication. Side effects are often minor problems that occur when treatment goes beyond the desired effect.
Tramadol side effects have been carefully documented by its manufacturers, most of which are tolerable and pose no serious health risk. However, it is standard procedure for drug manufacturers to list all known side effects of their products.
Tramadol side effects include constipation, diarrhea, dry mouth, headache, dizziness, a fast or fluttering heartbeat, mild hallucination, mood changes, confusion, so-called “pins and needles”sensation, mild sexual problems, skin rashes, or difficulty in urination. Tramadol side effects other than those mentioned may also occur. There are other Tramadol side effects that could be experienced by its users. It is advisable to inform the doctor about any unusual problems encountered while taking this medication.
Side effects cannot be anticipated. Along with their useful effects all medicines can cause unwanted side effects, which usually improve as the body adjusts to the new medicine. When side effects of necessary medications become severe, the corrective measure usually involves taking a second medication, having a lifestyle or dietary change, and other health-promoting actions that may help reduce the pain.

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Perfect Partners Tramadol and Physical Exercise

Leading an active, healthy lifestyle is crucial to having long, productive years. People are now more conscious about their health. Many have included exercise and other health-enhancing activities to their daily regimen. However, the lack of professional supervision and wrong exercise procedures have exposed a lot of people to muscle pain. Occasional muscle pain, if left untreated, may hinder one’s quality of life. Health experts say that muscle overuse and physical exertion are the main culprits behind muscle pain. In may cases, the pain tends to affect specific muscles. Muscle pain may be experienced before or after a certain strenuous activity.
Muscle overuse is one of the most common causes of muscle pain. It is a small-scale but potentially harmful muscular disturbance that develops when muscles are exposed to extreme or prolonged stress. Repetitive stress may lead to the development of micro-tears on the tissue and cause a greater tear over a period of time. In addition to these effects, overused muscles may lose up to 40 to 50 percent of its normal strength. This condition may be painful and could have a negative impact on one’s physical performance. Neglected injuries could linger and hamper a person’s mobility later on in life.
Individuals who suffer from muscle pain may use pain relieving drugs. One of the most notable medications for pain relief is Tramadol, a synthetic pain reliever that has gained the approval of many doctors across the United States. It works by binding the receptors of the brain which are responsible for transmitting painful sensations throughout the body. Several medical studies show that this medication has a low abuse rate compared to other pain relievers. In addition, Tramadol side effects are milder compared to other pain relieving drugs out in the market.
Tramadol side effects may include the following:
nausea
constipation
dizziness
headache
drowsiness and vomiting
Despite its effectiveness and safety, individuals who want to use Tramadol should seek the approval of their doctors before starting on the medication. This medicine may not be used by individuals with certain ailments or those who are using other drugs. Care should be taken to avoid adverse drug interactions.
Moreover, it is best to realize that injury prevention is better than cure. Although injuries are inevitable, especially for those who participate in competitive sports, there are some things people can do to limit stress on the body. Regular stretching before and after physical activity coupled with conditioning training is important in the prevention of injuries. Individuals who engage in physical activities should do them properly and in moderation because fatigue or physical exhaustion may heighten the risk of developing injuries. Finally, the best advice for anyone working out or playing sports is to perform only with proper technique. Bad form will always result in undue stress to the body and lead to injury. If these things fail, the use of Tramadol together with rest and physical therapy may alleviate muscle pain and discomfort.

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Become Aware of the Side Effects of Tramadol

Tramadol is one popular example of an atypical opioid that basically works as an analgesic or pain reliever. This drug, which is known to be a synthetic or man-made form of analgesic, is prescribed to individuals who are experiencing moderate to severe pain condition. This type of medication was spearheaded by a known German pharmaceutical institution and was primarily introduced as Tramal. After a couple of years, the original developer of the said drug cross licensed it to other companies worldwide. Tramadol then was marketed under several brand names.
Tramadol’s custom marketing packages are available in oral and injectable forms. It is considered a controlled form of drug in most countries such as Australia and the United States. This type of opioid requires prescription in the said two countries.
As stated earlier, Tramadol is one of the most commonly recommended medications to treat pain. Some health experts also recommend this drug as treatment to abate symptoms of anxiety and depression. In addition, this drug is also used by animal specialists to treat chronic and post-operative pain conditions experienced by cats and dogs.
Just like other medications, Tramadol also has side effects. A person should consult his doctor when the following side effects of Tramadol occur:
* weakness
* blurred vision
* sleep problems
* vomiting
* nausea
* loss of appetite
* constipation
* flushing
* drowsiness
Those who experience the above mentioned side effects can still continue taking Tramadol, but doctor consultation is a must.
Consumers should immediately stop taking Tramadol and consult a doctor when the following side effects occur:
* weak pulse
* red blistering or peeling of the skin
* convulsion or seizure
* shallow breathing
Moreover, immediate medical attention is a must when allergic reactions such as swelling of the throat, tongue, lips, and face as well as difficulty in breathing occur.
Important info on Tramadol
Although Tramadol is a very popular type of analgesic, there are a number of important things that consumers need to know about Tramadol before considering to take them. The following are the most important facts that consumers should know about the said drug:
* Tramadol is not advisable to individuals who are or who have been addicted to alcohol or drugs. This type of analgesic drug can slow down a person’s breathing and increase drowsiness.
* Individuals who are recommended to take Tramadol are strictly advised to take the said drug exactly as it was prescribed by the physician. Taking Tramadol in large doses can lead to serious and even fatal health complications.
* It is not advised to suddenly stop taking Tramadol without telling the doctor about it. When a person suddenly stopped taking the said drug, withdrawal symptoms such as sweating, diarrhea, chills, and hallucinations, may possibly occur.
* Tramadol is for oral use only. It is not advised to crush a Tramadol tablet. Powdered Tramadol tablet should never be diluted with liquid or inhaled. When this drug is injected or inhaled, it may result to overdose or death.
* Seizures are also common among individuals who are taking Tramadol. A person is more likely to experience seizure when he has a history of alcohol / drug addiction or metabolic disorder.

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Know Your Tramadol Side Effects

Ultram, also known by the name Tramadol, is a potent, prescription-only pain killer. There is currently very little information detailing how Tramadol works in the body, but there have been several theories put forward. Some believe that it works in a similar manner to morphine, which can represent anywhere from 5% to 10% of the formula, depending on what variant of the medication is being used. It has also been noted that some aspects of the average formula for Tramadol contains properties that affect the levels of serotonin in the body. It is very effective at doing what its supposed to do, but that doesn’t mean that the list of Tramadol side effects doesn’t exist.
Tramadol side effects tend to differ with every area of the body that is affected. In most cases, only some areas of the body display side effects, but there have been some rare instances where the entirety of the body has been affected. In the rare cases (roughly 1% to 5% of all instances) that the entire body is affected, the most common side effect to be seen is malaise. Malaise is a general feeling of something being wrong with the body, though it is difficult to pinpoint exactly what. On rare occasions (roughly the same frequency as malaise), sleep disorders have also been noted as Tramadol side effects.
The cardiovascular system can also suffer side effects due to Tramadol use, though they are known to occur in only 1% of all instances. The most common side effect is an abnormal electrocardiograph (ECG) reading, but there are others. Hypertension has also been known to show up as a side effect of using this particular medication. Hepatitis has also been noted as a possible side effect, though the gastrointestinal condition is known to be among the rarest possible unwanted effects that Tramadol could produce in a person. Rashes and toxic epidermal necrolysis are known to be Tramadol side effects on the skin, with the former being more common and the latter being considered rare.
There may also be other side effects that are not common, which usually are the result of Tramadol interacting with other drugs or substances in the body. Side effects caused by this can be difficult to predict, mainly because there are too many variables and substances to consider. Some substances, notably alcohol and other narcotic pain killers, have been known to worsen the side effects of Tramadol. Other substances, when combined with this drug, may cause a person to feel sleepy or drowsy, as if they had just taken sleep medication or a mild sedative.
Tramadol side effects aside, the drug is among the more effective medications of this sort on the market. The side effects have a low risk factor and only rarely manifest, such that most people should have no worries about developing any. Even in cases where problems manifest, most of them are minor inconveniences at their worst and should not cause anyone to worry. There are chances where the side effects can cause a major medical problem, but for the most part, these can be easily avoided by sticking to the instructions given by the doctor and avoiding any substances that might interact poorly with the medication.

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Should I apply for a credit card and how?

Are you pondering on whether you should apply for a credit card? Well, the answer quite simply is – ‘Yes’ - you should apply for a credit card (this is true for most people).  The credit cards seem to have transformed our lives. In fact, one can term credit cards as a revolution. Today, you find ads in TV/newspapers/website/shops and almost anywhere and everywhere; all asking you to apply for a credit card. When you look around, you see that most people have credit cards. In fact, most people have multiple credit cards. Everyone seems to apply for a credit card. So, why should you apply for a credit card?

There are a lot of benefits associated with credit cards; however, the most important benefit is the convenience that they offer. For most people, this is the prime and the sole reason that instigates them to apply for a credit card. This wouldn’t have been the case a few years ago, when not many merchants accepted credit cards. However, today, most merchants do accept credit cards. So, instead of carrying a lot of cash on you (which is both inconvenient and unsafe), you can just carry a small piece of plastic with you. Moreover, you get interest free credit i.e. you don’t have to pay the bills till the next monthly billing cycle. So, you can buy now and pay later (when your salary arrives) – a great reason to apply for a credit card. To add to that, there are certain merchants that offer interest-free instalment payment plan i.e. you can make a big purchase today and pay for it in instalments on your credit card. So credit cards works as instant long term loan too (not just a monthly loan). Yet another reason to apply for a credit card is the discounts on shopping. This is made possible by the tie-ups between credit card companies and the merchants. So credit cards offer many benefits.

There are various ways in which you can apply for a credit card - you can apply for a credit card in person, you can apply for a credit card on the internet and you can apply for a credit card on phone too (by asking the representative to meet you). You will as such be approached by a lot of sales representatives, all asking you to apply for a credit card with their company.  To apply for a credit card, you will need to fill-in a credit card application form (which is easy to fill and the representatives of the credit card company will assist you in that).  When you apply for a credit card, you basically enter into an agreement with the credit card supplier (the form that you fill when you apply for a credit card is actually an agreement). After you have submitted your application, the credit card company conducts certain checks to determine your credibility; and if everything is fine, you receive the credit card.

So, applying for a credit card is easy and to apply for a credit card or not to apply for a credit card is a matter of personal choice. However, for most people who don’t have any credit card, the recommendation is “Apply for a credit card”.

Rejection of credit card application

As time progresses, more and more people are joining the revolution called ‘Credit card’. Yes, it’s really a revolution. Now you don’t need to worry about how much cash you have in your pocket when you go shopping, just carrying this small piece of plastic (credit card) is enough to assure you of a good shopping treat. You can use your credit card to order things from the comfort of your home (on the internet). So the number of credit card applications seems to be on the rise. However, not every credit card application turns into a physical credit card. Some credit card applications get rejected too.
Let’s check why a credit card supplier would reject a credit card application when he has spent so much time and energy (and money) on wooing new customers.

One obvious reason for rejection of credit card application is human error i.e. the error committed by you in filling up the credit card application. These can be small mistakes like a wrong telephone number or wrong name or the postal code might be wrong. It’s normal to make mistakes, after all we are human being and no human being can be termed as perfect. Another strong reason for rejection of a credit card application could be missing mandatory information i.e. when you forgot to fill-in some mandatory information in the credit card application form. Sometimes, the credit card application could be rejected because the credit card application form has been filled-in in a handwriting that is illegible to the people processing your credit card application. At other times, the sales representative (of the credit card supplier) could have made a mistake in either depositing the form correctly or in guiding you in the filling of the credit card application form (newly hired sales representatives can make such mistakes).

However, these human errors are just minor errors that can be corrected later on and hence the only impact would be in terms of the delay in receiving your credit card. The main and the most important cause for rejection of credit card applications is bad credit ratings i.e. a negative credit history. If you have been using other credit cards or if you have taken bank loans/mortgages in the past, you would have already build your credit rating. If you have been making your bill/instalment payments in time (and in the correct amount), you would have already acquired a good credit rating. However, if you have been irregular or if you have been defaulting on your payment dues, you would have developed a bad credit rating. This credit rating is calculated by credit bureaus who receive feeds from various credit suppliers. All credit card applications are checked for the credit rating of the requestor and if it comes up as negative, the application is rejected outrightly.

So, these are the 2 most important reasons for rejection of credit card application and you must pay heed to them (especially the credit rating).

Online credit card usage

Commerce and technology, combined as a one package – this is what online credit cards are.
With the advent of internet, the knowledge and communication barriers were broken. Also, with internet, came the concept of e-shops or virtual shops that existed only on the internet. You could shop at these shops by making use of their online credit card payment-acceptance ability. Once the online credit card payments were verified and approved, the goods got delivered to your door. This is what we call convenience at its best.

With more and more e-shops getting setup everyday, online credit card usage is becoming even more popular. The possibility of receiving online credit card payments has given a totally new dimension to shopping. Now, you can not only shop from the comfort of your home, you can even get discounts on these products. This is really amazing. No need to bother about the weather, no need to worry about the traffic jams or any other thing. Just go to an e-shop, select a product, make use of their online credit card payment-acceptance facility to make the payment and be ready to receive the goods at your doorstep.
With online credit card processing facility, starting a business (an online business) has become just unbelievably easy.

However, there is nothing without pitfalls. One of the pitfalls of online credit card usage is the possibility of online credit card fraud. This online credit card fraud can happen in two ways. The first one is related to the company, on whose website you made online credit card payment for purchase of goods; this company itself could be fraudulent i.e. it could take the online credit card payment from you but not deliver the goods to you. Moreover, they could use the details of your credit card (received through the filling up of online credit card payment form by you) for fraudulent purposes. The second type of fraud is committed by fraudsters who use various softwares/devices to capture the details of online credit card payments (as you enter them on the online credit card payment form of a website). These softwares are popularly known as spyware and these fraudsters as online spies. The spyware works by capturing keystrokes or taking screenshots of whatever you do on your computer and then passes it on to the spy. However, there are anti-spyware softwares available which can be used to counter such spyware.

So, the advent of online credit card usage facility is a boon to us. However, you must exercise caution when making online credit card payments e.g. don’t access your bank accounts or make online credit card payments from internet cafes (unless you are absolutely sure about the credentials of the internet café).

Low interest credit cards

A lot of people just look at low interest credit cards when they are looking to get a credit card for themselves. The credit card suppliers too advertise low interest credit cards more that any other kind of credit cards. However, should low interest credit cards be the only ones on your list when you are hunting for a credit card? Probably not. For some people, interest rate or the APR is probably the most important thing to look for when selecting a credit card. However, that doesn’t hold good for everyone. Low interest credit cards are good and should surely be on your list, but APR is not the only thing to look for.

Let’s start with understanding what an APR (annual percentage rate) is and where its importance lies. APR is simply the interest rate that is used to calculate interest on the balance in your credit account with the credit card supplier. There is no interest charge if you make the full payment of your credit card bill (by the due date). However, in case of a partial payment, you will need to pay an interest on whatever you owe the credit card supplier. The APR is backward calculated to get a monthly rate and the same is applied on your balance to calculate the interest for the applicable period.

That means, people who are not sure about being able to pay the full amount, every time, should surely look for low interest credit cards. A low interest credit card helps in reducing your total outgo by curtailing the interest you pay on your balance. So, low interest credit cards help in slowing down the rate at which your credit card debt builds up. Thus low interest credit cards are surely important for a particular group of people, as stated above.

Besides this group, there are others who don’t really need low interest credit cards. These people are capable of (and intend to) pay off their credit card bill in full every month. Their purpose in using a credit card is convenience and other benefits associated with the credit cards. So, be it low interest credit cards or high interest ones; it really doesn’t matter for them.

So the need for low interest credit cards is more felt by a particular group of people. However, even if you go for a low interest credit card, you need to pit the various low interest credit cards against each other (vis-à-vis the other benefits they offer)  and then select the low interest credit card that is best suited to your needs.

So, first you need to evaluate whether you need to go only for low interest credit cards and then select the low interest credit card that fulfils your needs. After all, you don’t go hunting for a credit card everyday.

Is business credit card helpful?

‘Yes’ –is the answer that’s comes out almost immediately. That is true at least for most businesses (especially small businesses). Before we delve deeper into how business credit cards are helpful, let’s try and understand what a business credit card is.

Put simply, a business credit card is a credit card that is owned by a business and not an individual. To understand this better, you can simply draw an analogy between the business credit cards and business bank accounts, which are in the name of the business as well. Other than that, business credit cards work in pretty much the same fashion as the personal credit cards; with a few exceptions. These exceptions are in the form of flexibility in credit limit, low APRs and some other additional benefits that are available to business credit cards only.

Even from just that, business credit cards seem a good proposition. However, business credit cards would be attractive even without those benefits because the main benefit lies elsewhere.  The big-big benefit from a business credit card is realised in terms of business expense accounting. For most small businesses, business expense accounting is a big overhead. With business credit cards, this is handled very easily – you just have to ensure that you make all your business expenses on your business credit card and let the personal expenses be on the personal credit card i.e. segregation of business and personal expenses is all you need to do. So the bill for your business credit card will have all the business expenses on it and you wouldn’t need to collate all the various bills or sort out the items from your personal credit card bill. The key here is to make sure that you use your business credit card for all your business expenses (or as much as you can).  Moreover, a lot of business credit card suppliers realise this need of small business and even organise the business credit card bills in a way that meets the accounting requirements of these businesses. So mostly, they will appropriately group the expenses on the business credit card bill so as to facilitate business expense accounting. In fact, some of the business credit card suppliers go to an extent of providing the bills in a format that can be downloaded and exported to an accounting system i.e. you don’t need to enter the data manually in your accounting system. In case the format is not suitable for your accounting system, you can hire a software professional to write a small quick program to convert it into a suitable format.

Thus just one reason - ‘facilitation of business expense accounting’, is enough to support the case of small business credit cards.

Eliminate credit card debt

How to eliminate credit card debt? – A questions that is asked by a number of individuals around the globe. These are the individuals who somehow (mostly due to uncontrolled spending) landed into the mouth of this monster called ‘Credit card debt’. So what are the ways to eliminate credit card debt?

If you are looking to eliminate credit card debt, you have already reached 50% of your goal because your decision to eliminate credit card debt is the first and the most important step towards you being able to eliminate credit debt. Having said that, it is important to mention that you also need to be firm on this decision and stick to it with complete sincerity and seriousness, till you finally eliminate credit card debt (and even after that).

To eliminate credit card debt, you need planning. This starts with analysis of current situation in terms of your debt and your finances (current and as expected in near future). So to eliminate credit card debt, you need to first check the amount you owe on various credit cards. Just use a notebook to note down the amount you owe on each credit card and the corresponding APR associated with them. Once you have this information handy, you can total up the various amounts to get the total amount of your credit card debt. After all, you can’t eliminate credit card debt if you don’t know how much it is actually. The next thing is to see if you have enough cash handy e.g. in your various bank accounts, which you can put to use to eliminate credit card debt (of course, you will need to take a view on how much cash you will need to fulfil your day to day and specific future needs). If you find that you have enough to eliminate credit card debt completely, just go ahead and eliminate credit card debt and earn your peace of mind. However, if you can’t eliminate credit card debt completely, check the amount that you can use to eliminate credit card debt partially. Next step, as you must have guessed, is to check how best you can use this amount to eliminate credit card debt (even if partially) i.e. which portion of credit card debt should you eliminate first. So, first eliminate credit card debt on the credit card which has the highest APR and which is hitting you the most. Then eliminate credit card debt on the credit card which has the next highest APR and so on and so forth. If you are incurring additional late fees etc on some of your credit cards, you might decide to reserve some amount to make minimum payments on those credit cards (before you finally eliminate credit card debt on them).

What we have seen is just some basic analysis and first steps on how to eliminate credit card debt. You might need to take some other steps to eliminate credit card debt e.g. consolidation of credit card debt is one good option. However, it’s imperative to understand that any and all methods to eliminate credit card debt will fail if you don’t inculcate controlled spending habits.

Credit card services

Credit cards have gained so much popularity amongst the masses that no business can be termed as complete and efficient if it doesn’t use credit card services. Really, without credit card services, most of the businesses would end up losing a significant chunk of business opportunities. Some people go to the extent of classifying such businesses (which don’t use credit card services) as non-serious businesses.

So what are these credit card services that we are talking about?

In simple words, by credit card services we mean the ability to accept credit cards as a mode of payment. Well, we can also term the use of credit cards as a credit card service. However, generally, credit card services will include the services that enable acceptance of credit card by a merchant. So, for a shopkeeper, use of credit card processing machines to accept credit card payments, is a credit card service that he is providing to his customers (and he himself is receiving this credit card service from the provider of credit card processing machine and others involved in making this process so smooth). Since carrying cash is no more a common practice, any shop that doesn’t use/provide such credit card services would end up losing a lot of customers because customers can’t pay with anything other than a credit card. So, for most merchants, providing credit card services (or credit card processing services) to their customers, has become very essential part of business.

With the internet boom, came a lot of online businesses. These businesses were in the form of virtual shops (or e-shops) that existed either only on the internet or were a virtual extension of physical shops. All these businesses (some selling goods, some selling services), needed a way to accept payments from their customers. This gave birth to online credit card services. The simplest use of these online credit card services is in the form of a simple webpage/web-form that asks you to provide your credit card details. These details are then verified and processed to debit the amount from your credit card and credit it to the merchant’s accounts. Since credit card details are sensitive information, these websites started implementing mechanisms/technology to secure it and prevent it from getting in the hands of fraudsters. Such sites are now called secured websites and form the backbone of e-commerce.

Besides these basic ways of implementing credit card services, the credit card services are provided in some other forms too e.g. over-the-phone payments using credit cards, use of third party online credit card service providers who provide you with an interface to accept credit card payments.

So, there are a lot of different ways in which credit card services are implemented and as the time goes by, the expanse of these credit card services is sure to increase.

Credit card processing

It comes as a surprise how credit cards have found their way into our lives (and out wallet). Credit cards have gradually turned into becoming a necessity (rather than luxury). You can find credit card processing machines in almost all the shops today. With the advent of internet, online credit card processing has become popular too. ‘Credit card processing’ as such is a really interesting topic. This article tries to put into perspective the people, systems and the equipment that go into credit card processing.

First, let’s check the equipments used for credit card processing. So, there are credit card processing softwares for online credit card processing, there are credit card processing machines (i.e. the credit card reading machines at shops), there are data verification/validation devices/softwares that verify the security information on credit cards, there are communication devices/systems that enable safe transfer of credit card information from one point to another, and then there are other credit card processing equipments like the credit card processing equipment that is used for the preparation of the actual plastic (credit card).

Then there are various service providers that provide services related to credit card processing. There are suppliers for credit card processing equipment and suppliers for online credit card processing services. Then there are postal and courier service that help deliver credit card bills in time. There are merchants/petrol-bunks etc which provide facility of payment collection boxes at their premises (another important aspect of credit card processing).

Besides that there are complete systems for processing credit card applications, there are systems for credit card bill processing/generation, there are people at call centres who help in addressing the queries from credit card holders and, very importantly, there are people (sales representatives) who help you in filling the credit card application forms. Another important entity with regards to ‘credit card processing’ process is the credit rating bureaus. Credit card bureaus maintain a database of credit ratings for individuals and businesses. This rating is based on the data received from various credit providers over a period of time. This rating is the most important part of credit card application processing and a bad rating can lead to rejection of the credit card application altogether.

Thus, credit card processing involves a coordinated effort from a lot of professionals and service providers. In that sense, we can also say that credit card processing is an industry in itself that has generated a lot of employment.

Consolidate credit card debt

People who are in debt (credit card debt) often get to hear this advice ‘Consolidate credit card debt’. So, what does that ‘Consolidate credit card debt’ mean? Well, pretty simply, ‘Consolidate credit card debt’ means consolidating the debt on various credit cards into one (or two) credit card. This consolidation can be done either through a low interest bank loan or by transferring balance to a new credit card (i.e. transferring the amount you owe, on one or more credit card, to a new credit card(s)).

So what should you do when you are looking to consolidate credit cards? Well, the key thing to look for is the APR or the annual percentage rate. Whatever method you adopt to consolidate credit cards, APR will always be the key; in fact, you could say that it is the sole criteria to look for. So, if you use a bank loan to consolidate credit card debt, the interest rate on the bank loan should be lower than the APR of the credit cards whose debt you are consolidating. Similarly, if you are moving to another credit card, you must make sure that the APR of the new credit card is lesser than the credit cards whose debt you are consolidating. However, there is a catch that you must be aware of when laying a plan to consolidate credit card debt. The APR rates advertised by most credit card suppliers are the short term APR rates which are meant to lure you to consolidate credit card debt with them. By short term we mean APR rates that will applicable only for an initial period of less than 12 months or some other period after which the APR rates increase. When you go on to consolidate credit card debt with these credit card suppliers, they will offer you a lower (even 0%) APR for the first 6-12 months; and a much higher APR after that. You should check what this higher APR rate is. Your decision to consolidate credit card debt will be fruitful only if the new APR rate is lower than or equal to the APR on your current credit card. You might check with your current credit card supplier to see if he is able to lower your APR (if that works, it will make things really easy for you).

Before you move on to consolidate credit card debt you should understand that consolidating credit card debt will be beneficial only if you pledge to adopt and follow disciplined approach to credit card usage i.e. controlled spending and regular/timely payment of credit card dues.

Chase.com credit card offers

Online credit card applications seem to be the in thing and Chase too offers online credit card application facility. Here, ‘Chase.com credit cards’ refers to the chase credit cards that can be applied for online. Just for those who don’t know, ‘Chase’ is a brand that is owned by JPMorgan Chase & Co. (a leading global financial services firm).

By ‘Chase.com credit card offers’, I mean the credit card offers that are available at chase.com. Obviously, ‘Chase.com credit cards’ would be regulated by chase. Again, as with any other credit card supplier, ‘Chase.com credit cards’ on offer would be changing too.

Anyways; one night, before going to bed, I thought of just checking the chase.com credit cards section. Here is what I found:

There is a separate Chase.com credit cards section. As I browsed through the Chase.com credit cards section (the online application ones), the first one I encountered was called ‘Chase Cash Plus’ or the ‘Chase Cash Plus Rewards’. These promise faster rewards and offer 5% earnings on gas and on purchases made at grocery-stores/drug-stores. For other shopping venues, it offers 1% earnings. These earnings can be in the form of gift certificates or cash.

The next on the Chase.com credit cards section was the ‘Flexible rewards Visa signature card’. Here you earn a point for every purchase of $1. You can keep collecting these points and then finally redeem them for your choice of things (like cash, travel, gift certificates or some kind of merchandise). The redemption can start at 2500 points (and you get a bonus of 1000 points once you make the first purchase). Moreover, this one doesn’t have any annual fee either. So that was the second one in the Chase.com credit cards section.

Moving on in the Chase.com credit cards section, I found ‘Free Cash Rewards Platinum Visa card’. This one, as the name goes, offers cash rewards. You can get a $25 check or a gift certificate on redemption of 2500 points. Since there is one point earned for every $1 spend, this mean that you effectively get 1% cash back on these cards.

I had started loving browsing through the Chase.com credit cards section. So I moved on to the next one in the Chase.com credit cards section. The next one on the Chase.com credit cards section was ‘Chase Perfect Platinum MasterCard’ which doesn’t limit you to getting rebates only on a particular brand of gasoline; instead, you get rebates everywhere. ‘

Chase Platinum MasterCard’ was the next one in the Chase.com credit cards section. This one offers online account management i.e. monthly statements, bill payments etc can all be done online (also you don’t have any annual fee on this one).

There were few more cards on Chase.com credit cards section and one especially caught my attention. This one was at the bottom of Chase.com credit cards section and was called ‘Check Gallery Platinum Visa Card’. Here you could choose the design of your card from those available e.g. cowboys, smileys etc.

By now, I was so sleepy that I really had to shut down my computer and go off to sleep.

Note: The information given in this article was correct at the time it was written. However, the author does not guarantee the correctness and completeness of this information at any time.

Chase credit cards

Credit cards have become almost a necessity in today’s world. There are hordes of credit card suppliers who issue thousands of credits cards every day. Chase (of the JPMorgan group) are a well known credit card supplier. Chase credit cards are pretty popular among the masses.  

Chase credit cards come with various different benefits and accordingly chase credit cards are classified into various categories. There are general purpose chase credit cards which promise great rates and excellent service. Then there are chase credit cards for people who shop regularly with some retailers. These are termed as rebate cards since they offer rebates on shopping when you shop with certain retailers. These also offer cash rewards. There are entertainment credit cards for people who wish to get VIP access to some concerts, events etc.

Another category of chase credit cards is the travel cards where the credit card holders get travel related discounts and rewards. This category of chase credit cards is very suitable for people who travel a lot. Yet another set of chase credit cards is grouped as auto and gas cards which offer rebates and rewards on everyday purchases. Retail cards are another kind of chase credit cards where you receive points on purchases made using this chase credit card. These points can then be redeemed for shopping certificates, entertainment etc. For students, there is a separate breed of chase credit cards which is called student cards. These student cards help the students in building a (good) credit history and also offer some special benefits for students. Similarly there are college & university alumni cards for supporting your alma mater. There is another set of chase credit cards that operate on similar lines. These chase credit cards are called ‘cards to support organizations’. The organization can be something like a charity or any other organization that you want to support. Then there are military cards that are meant for the members of military (both past and present). You can support your favourite teams or sporting organizations by getting a sports card. Finally, there are business cards which can be used by businesses for organizing their expenses, availing low interest rates and getting other benefits related to business.

Thus chase offers a lot of different credit cards which cater to the different needs of various people. By comparing the features of these chase credit cards and by understanding the main objective behind them, one can easily zero-in on the chase credit card that is best suited to ones needs.

Note: The information given in this article was correct at the time it was written. However, the author does not guarantee the correctness and completeness of this information at any time.

Apply online for credit card

Is it ok to apply online for credit card?

With the fast pace of our everyday lives, we don’t have time for anything really. This is where the combined power of commerce and technology comes in. The capability to apply online for a credit card is one such example. Yes, you can apply online for a credit card. The revolution behind providing you with the ability to ‘apply online for credit card’ is called ‘internet’.  You can not only apply online for credit card but also use your credit card to do online shopping (and get the goods delivered to your door at no extra cost compared to the local store).

So, it is possible to apply online for a credit card. To apply online for credit card, you just have to fill-in an application form that is presented to you on the website of the credit card supplier (who provides the capability to apply online for credit card). This application form is very similar to the one you would have filled-in in person – the details asked are same and the processing of the application is same too. You will find that a lot credit card companies encourage you to apply online for credit card. This is because they save on the costs related to salary of representatives, paper, etc. Moreover, when you apply online for credit card, your details can smoothly flow into the database of the credit card supplier i.e. the manual intervention is minimal when you apply online for credit card. This will in turn lead to faster processing of your application. Though it is not necessarily true, if you apply online for credit card, your credit card might reach you much faster. Moreover, if you apply online for credit card, you save on all the time and hassle associated with approaching a credit card company etc etc. You can compare the credit cards (again online) before you apply online for credit card.

Some people don’t like to apply online for credit card. The main reason is their discomfort in giving out the personal information online. One quick check, before you apply online for credit card, is to see if the website address of the page (where you are required to enter your details) starts with ‘https’. ‘Https’ indicates that it’s a secure website (you might also check if the security certificate is provided by a reputed organisation e.g. Verisign). If you don’t see an https, you should not apply online for credit card of that company.  Besides that, some people don’t apply online for credit card because they are not comfortable in filling up the form all by themselves. In such a case, you might either not apply online for credit card (and apply in person instead); or you might just go through the form, note down your questions/problems and seek the answers by calling the customer service centre of the credit card company.

So, applying online for credit card is surely a good option.

All about credit card rate

What’s the thing that is most prominent on any credit card ad? Well, it’s the credit card rate (or the APR, as we know it). The credit card rate is the most publicized thing in the world of credit cards. A lot of people just compare the credit card rate of various credit cards and just go for the one that is offering the lowest credit card rate (or APR). Credit card rates are, in fact, one of the most important factors in the selection of a credit card (though not the only factor). Therefore, a proper understanding of Credit card rates is even more necessary.

So, what is a credit card rate or APR? Very simply, credit card rate is the rate of interest that the credit card supplier will charge you with on the amount you owe them. The credit card supplier will charge you an interest only if you don’t make full payments in time.  When you receive your credit card bill, it specifies the full amount you owe the credit card supplier. It also specifies the minimum payment that you must make (by a particular date), in order to avoid incurring a late fee and other inconvenience. You have the option of making either a full payment or just the minimum payment. If you make a full payment (by the due date), you are not charged any interest. However, if you decide to go with the minimum payment or some amount that is lesser than the full amount, the credit card supplier will charge interest based on the credit card rate and the balance amount. This credit card rate is the interest rate that you agreed with them at the time of applying for the credit card. The credit card rate or the annual percentage rate, as is obvious, is an annual interest rate. The credit card suppliers use this annual credit card rate to calculate the monthly credit card rate and then they calculate the interest on the balance amount that you owe them. The balance amount here is simply = Full amount – (payment made by you). This interest is added to your balance for the next month (at the time of next billing cycle). If you again make a partial payment, the new balance is calculated again and the credit card rate (monthly one) applied to it for calculation of new interest; and it keeps going on and on until you make the full payment.

That’s how credit card rate acts in this vicious circle. Hence, credit card rate is termed as the most important consideration in choosing a credit card.

All about college credit cards

College credit cards are the credit cards that have been specially designed for college students. College credit cards are more popularly known as student credit cards. College credit cards allow the students to experience the benefits of credit cards much earlier in their life. Through college credit cards, the college students are able to learn more about credit cards and their use. In fact, for most of the students, their college credit card is their first credit card that acts as a gateway to the world of credit cards. Some other students might have previously used supplementary credit cards linked to their father’s credit card account; however, for such students too, their college credit card is the first one that is truly theirs.

College credit cards are not very different from other types of credit cards in the basic sense; they function in the same way as any credit card would. However, there are some differences, which basically arise from the fact that college credit cards are used by people who have no prior experience with credit cards and who perhaps don’t understand the concept of credit cards completely. Hence, the credit card supplier is at risk with issuing credit cards (college credit cards) to such people whom he is not sure about. Most of the students don’t have a credit history either. In such a case, the supplier of college credit card cannot be sure of receiving the credit card bill payments in time (and even receiving them at all). To counter such risks, the supplier of college credit card requires the parent of the student to co-sign the college credit card application form as a guarantee. Moreover, the credit limit on college credit cards is generally around $500-$1000 per month, which is lower than what it is for other credit cards (this credit limit is generally sufficient to fulfil the typical needs of a student). Another risk mitigation instrument used by the college credit card suppliers is the interest rate or APR. The APR on college credit cards is generally higher than that for other credit cards. Again, this is done to dissuade the students from overspending on their college credit card (and finally not being able to pay their credit card bills).
However, if we were to look at these impositions in a positive sense, we would find that these are actually in favour of the student (who is still getting trained to take on the real world of credit cards).  Moreover, college credit cards also help the students in establishing a (good) credit history which is another important benefit that becomes handy when the student needs any type of  loan at a later stage in his/her life.

So, college credit cards are really something that every student should consider going for.

Bad Credit Credit Card

“Bad credit card card” is used to refer to credit cards that can be obtained even with a bad credit rating. The bad credit card cards provide opportunity to people (with bad credit rating) to improve their credit rating. In that sense, bad credit credit cards act as rescuer for such people. So, bad credit credit cards also act as necessary a training ground for people who have not been able to control their spending urge in the past.

Bad credit card cards are commonly known as secured credit cards. The bad credit card card (or secured credit cards) requires the individual to open up an account with the credit card supplier and maintain some cash balance in the account. Why is that required? Well, credit cards are a business for the credit card suppliers; so how can they trust someone who has defaulted on his/her payments in the past? After all, a business is about profits and such risks are a threat to profits. The bank or the credit card supplier will generally pay interest on the balance in your account. However, it’s best to check this with the bad credit card card supplier/bank. The credit limit on the bad credit card card is determined by the cash balance in the account and is generally between 50-100% of the cash balance. These bad credit card cards are also referred to as debit cards, owing to the fact that they work less in a credit-giving manner and more in a debit-giving manner.

There are plenty of bad credit card cards available in the market. When searching for the bad credit card card that is best suited to you, you should consider 4 things in particular: the minimum balance that you are required to maintain in the bank account, the credit limit that you will receive (i.e. the percentage of your bank account balance that you are allowed to spend on your bad credit card card), the fees/other-charges applicable to the procurement of bad credit card card and the rate of interest that you will receive on the balance in your bank account. An ideal bad credit card card would have no fee/other-charges associated with it and would require zero or a very small amount as minimum bank balance. It would also have something like 90-100% of bank balance as its credit limit. Moreover, an ideal bad credit card card would also offer a good interest rate on the bank balance.

Bad credit card cards are really a good concept that provides respite to people with bad credit rating by letting them enjoy the benefits of credit cards while they mend their credit rating.

The Amazing Hubble

In the history of modern astronomy, there is probably no one greater leap forward than the building and launch of the space telescope known as the Hubble.  While NASA has had many ups and downs, the launch and continued operation of the Hubble space telescope probably ranks next to the moon landings and the development of the Space Shuttle as one of the greatest space exploration accomplishments of the last hundred years.

An amazing piece of astronomy trivia that few people know is that in truth, only about ten percent of the universe is visible using conventional methods of observation.  For that reason, the Hubble really was a huge leap forward.  That is for the very simple reason that the Hubble can operate outside of the atmosphere of Earth.  Trying to make significant space exploration via telescopes from the terrestrial surface of planet Earth is very difficult.  That very thing that keeps us alive, our own Earth’s atmosphere presents a serious distraction from being able to see deeper and further into space.

The Hubble space telescope was named after the great scientist and visionary Edward Hubble who discovered that the universe was expanding which was explained by what is now known in science as Hubble’s Law.  To truly get a feel for the amazing accomplishment that was achieved with the launch of the Hubble telescope, spend some time on Nasa’s web site dedicated to the project at http://hubble.nasa.gov.  There are also a number of sites where you can enjoy some stunning pictures from the Hubble including http://heritage.stsci.edu/ and http://www.stsci.edu/ftp/science/hdf/hdf.html.

It’s hard to believe how long the Hubble has been orbiting earth and sending back amazing video and pictures of what it is discovering in space.  But the Hubble was actually initially launched on April 25th 1990.  It was the culmination of literally decades of research and construction which began in 1977.  Expectations were high as the orbiting telescope was put in place and actually began to function as it was designed to do.

All was not always perfect with the telescope and the early pictures were disappointing.  After some study NASA discovered that the reason for the early failures was the curvatures of one of the main lenses of the orbiting telescope.

We probably could never have kept this intricate piece of equipment operational as well as we have had we not had the Space Shuttle program to give us a tool to implement repairs and improvements to the Hubble.  In 1993 a new lens was installed on the Hubble which corrected the problem of picture resolution that was noted in the early operation of the telescope.

Two other repair and upgrade mission have been made to the Hubble since it launched, both of them in 1997 to upgrade older equipment and to retrofit the telescope to extend its useful life through 2010.  It’s pretty amazing to think that this scientific and mechanical marvel has been operating now for ten years without maintenance.  We can be assured that plans are in the works for NASA to upgrade or replace parts on the Hubble to extend its useful life even further as that 2010 time frame draws closer.

It is hard to imagine the science of astronomy or the natural quest for greater knowledge of our universe without the Hubble.  While many times those who would not fund space exploration have tried to cut funding for the Hubble, the operation of this telescope is just too important to astronomers and to the scientific well being of mankind and our planet not to continue to use the Hubble, or its next natural successor.  We will always need to have a set of eyes in the sky to watch the universe and discover more of its mysteries.

Telescopes 101

Buying the right telescope to take your love of astronomy to the next level is a big next step in the development of your passion for the stars.  In many ways, it is a big step from someone who is just fooling around with astronomy to a serious student of the science.  But you and I both know that there is still another big step after buying a telescope before you really know how to use it.

So it is critically important that you get just the right telescope for where you are and what your star gazing preferences are.  To start with, let’s discuss the three major kinds of telescopes and then lay down some “Telescope 101” concepts to increase your chances that you will buy the right thing.

The three primary types of telescopes that the amateur astronomer might buy are the Refractor, the Reflector and the Schmidt Cassegrain telescope.  The first two are named for the kind of lens that is used.  It is pretty easy to see that the lens is the heart of the telescope so the kind that you will use will determine the success of your use of that telescope.

The refractor lens is the simplest because it uses a convex lens to focus the light on the eyepiece.  So the lens bends outwards for this purpose.  The refractor telescope’s strength is in viewing planets.  The reflector’s strength is in seeing more distant objects and the lens is concave or bends in.  It uses mirrors to focus the image that you eventually see.  The final type, the Schmidt Cassegrain telescope is the most complex and accomplishes the goals of both but it uses an involved system of mirrors to capture the image you want to see.

So to select just the right kind of telescope, your objectives in using the telescope are important.  To really understand the strengths and weaknesses not only of the lenses and telescope design but also in how the telescope performs in various star gazing situations, it is best to do some homework up front and get exposure to the different kinds.  So before you make your first purchase…

* Above all, establish a relationship with a reputable telescope shop that employs people who know their stuff.  If you buy your telescope at a Wal-Mart or department store, the odds you will get the right thing are remote.

* Pick the brains of the experts.  If you are not already active in an astronomy society or club, the sales people at the telescope store will be able to guide you to the active societies in your area.  Once you have connections with people who have bought telescopes, you can get advice about what works and what to avoid that is more valid than anything you will get from a web article or a salesperson at Wal-Mart.

* Try before you buy.  This is another advantage of going on some field trips with the astronomy club.  You can set aside some quality hours with people who know telescopes and have their rigs set up to examine their equipment, learn the key technical aspects, and try them out before you sink money in your own set up.

There are other considerations to factor into your final purchase decision.  How mobile must your telescope be?  The tripod or other accessory decisions will change significantly with a telescope that will live on your deck versus one that you plan to take to many remote locations.  Along those lines, how difficult is the set up and break down?  How complex is the telescope and will you have trouble with maintenance?  Network to get the answers to these and other questions.  If you do your homework like this, you will find just the right telescope for this next big step in the evolution of your passion for astronomy.

Space, The Final Frontier

While it was just a TV show, that little speech at the beginning of the original Star Trek show really did do a good job of capturing our feelings about space.  It is those feelings that drive our love of astronomy and our desire to learn more and more about it.

The thing that is most exciting about studying the universe is also the most frustrating and that is that no matter how expert we get, we are always just getting started.  But if it’s any consolation, some of the most advanced minds in science and from history always felt that way about space.  Even the greats such as Copernicus and Einstein looked up into space and felt like they were just a spec in the presence of such infinity.

Of course space is not infinite.  It has to be finite which means somehow there must be an end to it.  But if there is, nobody on this tiny planet has figured out where it is.  The only thing that has brought us to “the end of the universe” is our limited ability to see any deeper into space.

But conquering the final frontier of space means more than just seeing more stars and planets and building the biggest telescope we can.  There are some mind blowing concepts about how space works that we have ahead of us to conquer.  The big bang and the expanding universe alone was enough to set your mind to spinning.  But then we have the coming of Einstein and the theory of relativity to set the entire idea on its ear.  All of a sudden space is not just three dimensions but the dimension of time becomes exportable and the twisting and maybe even travel through time seems almost possible.

The frontier of space is as much a journey of the mind as it is of distance.  When Steven Hawking showed us the mysteries of black holes, all of a sudden, time and space could collapse and be twisted and changed in those intergalactic pressure cookers.  If not for the wonders of radio astronomy, these ideas would remain just ideas but slowly science is catching up with theory.

But the brilliance of mathematicians and genius minds like Hawking and Einstein continue to stretch our concepts of space.  Now we have the string theory that could revolutionize everything we know about space, time and how the universe relates to itself.  We can’t just say, no, we have discovered enough.  It’s the final frontier.  The Starship Enterprise would not stop exploring so neither can we.  Because there is a hurdle still ahead that has a name but no real answer to it yet.  It’s called the Unified Field Theory and those that know tell us that when the Einsteins and Hawkings of our day crack that theory, every other theory will fall into place.

These exciting concepts seem some tools to put the enormity of space in context.  That may also be the value of science fiction.  Not only are science fiction writers often the visionaries of what comes to be in the future but they give us the idea that space is knowable, that despite how big it is and how small we are, we can conquer this frontier like we have conquered others before us.

For mankind, that is often enough.  If we can get the vision that we can conquer something, even if it is something so massive, so impossibly huge, it seems that we are capable of anything.  And the love of astronomy, maybe unlike any other force on earth, has brought together mankind toward that common goal of conquering the universe.  The quest to establish an international space station and to cooperate on spreading our reach off of this planet seems to find commonality between nations that otherwise cannot get along on the surface of the earth.

That alone may be a reason that we must continue to support astronomy locally and the space program nationally.  It is something that seems to bring peace rather than war and make us a better people.  But more than that it is as though this is what we were created to do.  To reach out to the stars may be our destiny.  If so then our love of astronomy is more than a hobby, it’s a calling.

Shooting Stars

If you are a serious astronomy fanatic like a lot of us are, you can probably remember that one event in childhood that started you along this exciting hobby.  It might have been that first time you looked through a telescope.  But for many of us, it was that first time we saw a rain of fire from the sky that we eventually came to know as a meteoroid shower.

At the time when you see the first one, it’s easy to remember the movie “war of the worlds” or some other fantastic image of aliens entering our atmosphere in droves to take over the planet.  But with some guidance and explanation of what was going on, we eventually learned that these showers were not at all threatening or any kind of invasion.  For the most part meteoroid showers are harmless, part of nature and very fun to watch.

So what are these strange lights in the sky?  Are they aliens invading from Mars?  Are the comets coming to start the next ice age?  Or perhaps asteroids burning up as they enter the earths atmosphere.  The answer to the above questions is no to the first and “yes and no” to the other two.

A meteoroid is actually a small piece of space rubble, usually dust or small rocks that come from either a comet or the break up of an asteroid in space and that eventually plummets toward the earth.  We say “toward the earth” because the lights you see are the friction of the atmosphere burning up those small space tidbits and creating a spectacular show for all of us as they do so.  A particularly exciting moment to witness is when a meteoroid breaks up or explodes on entry.  A meteoroid that explodes is called bolides.

There are some interesting details about the life of a meteoroid that make the viewing of shooting stars even more fun.  To be seen, a meteoroid only needs to weigh as little as a millionth of a gram.  But the thing that makes them so spectacular to see is the tremendous speeds they reach as they enter the atmosphere.  Before burning up, a meteoroid will reach between 11 and 74 kilometers per second which is 100 times faster than a speeding bullet.  

We tend to think of t seeing a shooting star as a freak event and we associate it with superstition (hence, wish on a lucky star).  But there are actually thousands of them every year so it really isn’t that rare to see one.  In fact, scientists tell us that over 200,000 tons of space matter enters the atmosphere each year and burns up on entry.

Comets are a big source of meteoroids because of the nature of those long tails.  A large amount of dust, ice and other space debris gets caught up in a comet’s tail as it moves toward the sun.  Then as the comet moves away from the sun in its orbit, tons of this matter is thrown off into space to disperse.  As the Earth moves in its routine orbit around the sun, it often crosses through clouds of this discarded matter which becomes one of those “meteor showers” that are so popular for viewing.

These showers of shooting stars are pretty easy for astronomers to predict so you can get into position to see the excitement at just the right time of night and be looking at the right area of the night sky.  Usually the astronomy magazine or site will give you a general time and location to be ready to look when the meteoroids start to fall.

Now keep in mind, this is a phenomenon of nature, so it may not observe the time table exactly.  Also note that there is a notation system for where the meteoroid shower will occur based on what constellation is its backdrop.  The section of the sky to focus on for the show is called the “radiant” because that is where the entering meteoroids begin to glow or radiate.  The radiant is named for the constellation it is nearest too.  So if the meteor shower is going to occur in the constellation of Leo, then its radiant will be called Leonid.  This will help you decipher the listing of asteroid showers in the publications.

Radio Astronomy

For most of us, the idea of astronomy is something we directly connect to “stargazing”, telescopes and seeing magnificent displays in the heavens.  And to be sure, that is the exciting area of astronomy that accounts for it’s huge popularity.  So to the uninitiated, the idea of “radio astronomy” seems strange.  There are two reasons for that.  First is that humans are far more visual than audio oriented.  And the second is that radio astronomy doesn’t really involve “listening” to the cosmos except to the extent that scientists who use this sophisticated form of “stargazing” do not rely on visual study to conduct their work.

To appreciate what is really exciting about radio astronomy, first we have to shift how we view astronomy.  That is because to professional astronomers, studying the universe is more about frequencies than it is about visual documentation of phenomenon.  This takes us back to Physics 101.

Light, obviously, is the physical phenomenon that empowers our ability to use our visual confirmation system, e.g. our eyes to appreciate something, in this case the stars.  So when we look up at the heavens, we can see the light emitting from a star or reflecting from a planet or moon.  In many cases, if we see a far away star, we are actually seeing it hundreds or thousands of years ago because that is how long it takes for that light to cross the universe and be visible in our sky.  That alone is a pretty mind blowing idea.

Now light itself is a pretty strange substance.  But to our astronomy scientists, light is just another energy that exists in a certain frequency.  Now, we tend to think of frequencies when we talk about sound waves.  In scientific terms light, energy and sound are just a few forms of the same thing, frequencies of energy that are emulating from a source.

Now we get to why radio astronomy is so necessary.  The range of frequency that light occupies in the big spectrum of frequencies is really pretty small.  To put that more bluntly, we can only “see” a tiny part of the universe that is actually there.  Now when you look up in the night sky and it is so overwhelming, when you then that we are seeing just a tiny amount of what is actually going on up there, again, our minds can get pretty overwhelmed.

Radio astronomy uses sophisticated sensor equipment to study ALL of the frequencies of energy coming to us from the cosmos.  In that way, these scientists can “see” everything that is going on out there and so get a precise idea of how the stars look, behave now and will behave in the future.

For some of us who have heard about radio astronomy, we think of it in terms of “listening” for signs of life in the universe.  And yes, SETI, or “the Search for Extra Terrestrial Intelligence” is a part of radio astronomy, albeit a tiny part.  But of much greater importance is how radio astronomy has empowered serious astronomers (that is those who get paid to do it) to study stars many light years away, to study black holes which we could never see with our telescopes and to gather research and data about the whole of the universe that otherwise would be impossible to know and understand.

This is important work that is constantly ongoing in the world of astronomy.  It is worth keeping up with and learning more about as we have barely scratched the surface in our brief discussion today.  But understanding how important radio astronomy is will only deepen and make more meaningful your love and grasp of this big field of knowledge known as astronomy.

Pictures in the Sky

One of the earliest activities we engaged in when we first got into astronomy is the same one we like to show our children just as soon as their excitement about the night sky begins to surface.  That is the fun of finding constellations.  But finding constellations and using them to navigate the sky is a discipline that goes back virtually to the dawn of man.  In fact, we have cave pictures to show that the more primitive of human societies could “see pictures” in the sky and ascribe to them significance.

Constellations also have been important in culture and navigation long before we had sophisticated systems of navigation.  Early explorers, particularly by sea, relied exclusively on the night sky to help them find their way to their destination.  In fact, when “Columbus sailed the ocean blue in 1492” and “discovered” America, he could not have done it without astronomy and the help of navigation of the cosmos, much of which is made possible because of the important constellations.

When learning to find the great constellations in the sky, we use the “find one, you found them all” system.  That is because the easiest constellation to find will guide us to the rest of them.  That constellation is The Big Dipper.  Look to the northern sky on a clear night and widen your field of vision from just focusing on one star and it will pretty much jump out at you.  In will look like a big kitchen pot or ladle, right side up in the fall, upside down in the spring.

When you have the big dipper under control, you can pretty easily find the North Star.  This is the star that those ancient sailors depended on the most to find their way to land.  Start with the far edge of the bowl of the Big Dipper, the side that is opposite the handle.  There are two stars that make up that side of the bowl.  So start at the bottom of the pot and mentally draw a line to the top star of the bowl.  These two stars are “pointing” to the North Star.  Just keep following that line, curving a bit with the sky and the bright star that you come to is the North Star.  You can impress your friends or family if you know the scientific name for this star is Polaris.

The North Star can then take you to The Little Dipper.  The key here is that Polaris is the tip of the handle of The Little Dipper and the bowl hangs down from the handle like it was hanging up in the kitchen.  Be patient with this one as the stars that make up The Little Dipper are dimmer than The Big Dipper.  But it pretty cool once you find it.

These are the obvious starting places but from The Little Dipper you can find the constellation known as “The Swan” or Cygnus.  Just use the same system you used to find The North Star but continue drawing that line that started in those pointer stars in the bowl of The Big Dipper.  Go about half as far as you went to find Polaris and you are there.  You will see a trapezoid of stars about as big as The Big Dipper.  This trapezoid forms the tail of The Swan.

That line that we are drawing from the pointer stars is our roadmap to another well known constellation which is Cassiopeia.  If you use that line and imagine you are directly under the two pointer stars, you will se a big “W” just off to the left of the line.  This is the constellation Cassiopeia, the wife of the king of Egypt, Cepheus, in Greek mythology.  There are so many more wonderful constellations to find and a good star map can continue your quest.

Like Cassiopeia, all of the constellations have wonderful stories and myths related to Greek culture.  It is just as fun to find the star clusters themselves as it is to enjoy the rich culture related to that constellation.  For all of the signs of the zodiac, for example, there is a related constellation in the sky.  So whether you are serious about astrology or not, its fun to find the constellation that relates to your “sign” (or that of your children) and be able to see how the ancients related to these pictures in the sky.

Our Neighbors in Space

We have a special feeling toward the other planets that circle our sun.  Maybe it’s all the science fiction stories about visiting the moon, Mars and other planets.  But we love to think about those planets that make up what we call “the solar system.” that do what our planet does but do it very differently indeed.

The planets of our solar system have taken on personalities and mythical appeal in our literature and arts.  It is easy to find artists who render their vision of the planets that make up our society of planets near our sun.  The names of the planets, Mercury, Venus, Earth, Mars, Jupiter, Saturn, Uranus, and Neptune are all from our cultural past being gods from Greek and Roman mythology.  But the solar system is not just made up of these planets.  The solar system is a very busy place indeed.

In 2006, there was quite a bit of controversy as scholars and astronomers agreed to downgrade Pluto and remove its status as a planet.  So you have to wonder, what is it that makes something a planet and what happened to Pluto?  It didn’t just go away so it must still be out there.  A planet, by scientific definition is any object in orbit around a sun, that has formed into some kind of round object is a planet as long as it has cleared away any other orbiting items around it.  By cleared away, that doesn’t mean it has destroyed all space debris etc.  For example, our planet has not “cleared away” the moon but it has captured it into its own orbit so we classify as a planet.  That’s a relief huh?

There are many objects floating around in our solar system other than the planets we know of.  It’s an interesting piece of trivia that in addition to the planets there are 165 moons orbiting around those nine planets.  Some of those moons are so advanced that some scientists have suspected that they might have supported life at some point.

In addition to the regular planets and moons, there are dwarf planets, asteroid belts and routine visits by comets that create a lot of traffic in our cosmic corner of the universe.  The two known dwarf planets that exist on the outer rim of our solar system are Eries and Ceres.  So when Pluto’s status was changed to be removed from the list of planets, it simply joined those two bodies as dwarf planets but still a solid citizen of the community of celestial bodies around our sun.

In addition to these larger bodies, there is an asteroid belt that exists between Mars and Jupiter that most of the asteroids that we see in our night sky come from.  There is another belt of large objects further out called the Kuiper belt as well as a “bubble” in space called a heliopause and there is a suspected additional belt outside the known solar system called the Oort belt that we think is the origin of a lot of large asteroids and comets that frequent our solar system and come to orbit our sun.

As fascinating as these many celestial bodies who are our neighbors in space is the origin of our solar system.  We have to break it down to simple terms to understand the terms but we know that the early history of the solar system and the universe was one of great bodies of gas and clouds of matter eventually cooling and heating, exploding and spinning off stars and other massive space giants that became more stars, galaxies and solar systems.  It was from this erratic activity that our sun separated from the gasses and carried with it the material that became our solar system.  The gravity of the sun captured sufficient matter that it began to go through the process of forming, cooling, exploding and separating.  This is what happened as the planets all went through he same process eventually establishing stable orbits and small objects falling into orbit around them.

When you think of how powerful and out of control this process is, it’s amazing to step back and see the beauty of the organization of our solar system today.  The more detail you learn about the history of our solar system, the more you will enjoy your explorations of the planets with your telescope.  That that discovery is part of the fun of astronomy.

Moon Gazing

For many of us, our very first experience of learning about the celestial bodies begins when we saw our first full moon in the sky.  It is truly a magnificent view even to the naked eye.  If the night is clear, you can see amazing detail of the lunar surface just star gazing on in your back yard.

Naturally, as you grow in your love of astronomy, you will find many celestial bodies fascinating.  But the moon may always be our first love because is the one far away space object that has the unique distinction of flying close to the earth and upon which man has walked.

Your study of the moon, like anything else, can go from the simple to the very complex.  To gaze at the moon with the naked eye, making yourself familiar with the lunar map will help you pick out the seas, craters and other geographic phenomenon that others have already mapped to make your study more enjoyable.  Moon maps can be had from any astronomy shop or online and they are well worth the investment.

The best time to view the moon, obviously, is at night when there are few clouds and the weather is accommodating for a long and lasting study.  The first quarter yields the greatest detail of study.  And don’t be fooled but the blotting out of part of the moon when it is not in full moon stage.  The phenomenon known as “earthshine” gives you the ability to see the darkened part of the moon with some detail as well, even if the moon is only at quarter or half display.

To kick it up a notch, a good pair of binoculars can do wonders for the detail you will see on the lunar surface.  For best results, get a good wide field in the binocular settings so you can take in the lunar landscape in all its beauty.  And because it is almost impossible to hold the binoculars still for the length of time you will want to gaze at this magnificent body in space, you may want to add to your equipment arsenal a good tripod that you can affix the binoculars to so you can study the moon in comfort and with a stable viewing platform.

Of course, to take your moon worship to the ultimate, stepping your equipment up to a good starter telescope will give you the most stunning detail of the lunar surface.  With each of these upgrades your knowledge and the depth and scope of what you will be able to see will improve geometrically.  For many amateur astronomers, we sometimes cannot get enough of what we can see on this our closest space object.

To take it to a natural next level, you may want to take advantage of partnerships with other astronomers or by visiting one of the truly great telescopes that have been set up by professionals who have invested in better techniques for eliminating atmospheric interference to see the moon even better.  The internet can give you access to the Hubble and many of the huge telescopes that are pointed at the moon all the time.  Further, many astronomy clubs are working on ways to combine multiple telescopes, carefully synchronized with computers for the best view of the lunar landscape.

Becoming part of the society of devoted amateur astronomers will give you access to these organized efforts to reach new levels in our ability to study the Earth’s moon.  And it will give you peers and friends who share your passion for astronomy and who can share their experience and areas of expertise as you seek to find where you might look next in the huge night sky, at the moon and beyond it in your quest for knowledge about the seemingly endless universe above us.

Moon Fever

Of all of the celestial bodies that capture our attention and fascination as astronomers, none has a greater influence on life on planet Earth than it’s own satellite, the moon.  When you think about it, we regard the moon with such powerful significance that unlike the moons of other planets which we give names, we only refer to our one and only orbiting orb as THE moon.  It is not a moon.  To us, it is the one and only moon.

The moon works its way into our way of thinking, our feelings about romance, our poetry and literature and even how we feel about our day in day out lives in many cases.  It is not only primitive societies that ascribe mood swings, changes in social conduct and changes in weather to the moon.  Even today, a full moon can have a powerful effect on these forces which we acknowledge even if we cannot explain them scientifically.

The most obvious physical phenomenon that is directly affected by the gravity of the moon are the tides of the ocean.  The tides are an integral part of how maritime life is regulated and the comings and goings of the fishing world in coastal communities.  But not very many people know that at certain times of the year when the orbits of the earth bring the sun and moon into right alignment, there can even be tidal effect on inland bodies of water and even on the solid earth.  Eons ago, when the moon’s orbit was closer to the Earth, it was the effect of the moon that caused massive changes in the topography of the land and on continental drift as well.  This reflects the powerful effect the moon has had on both human history and on global geographical history as well.

You may sometimes wonder where the moon came from.  Was it a planet that traveled too close to Earth and was captured in our orbit?  Actually, the prevailing theory of modern science is that the moon was the result of a large scale collision with the still developing Earth early in its development which caused this large “chuck” to spin off into an orbiting body.  This explains the similarity in composition as has been confirmed by many of the moon exploratory space missions that were conducted by NASA.

But this background also highlights another important influence the moon has had on Earth’s development that is seldom recognized and that is the stabilization of Earth’s orbital pattern.  Most know that Earth is not round but more of an egg shaped orb.  To be blunt, the Earth would wobble.  Without the moon’s stabilizing influence, this shape would shift dramatically so the tilt of the axis, that is the polar caps would shift dramatically with each seasonal rotation producing climacteric, changes much more violent and drastic than we are used to.  It is possible that life as we know it could not have developed here had the moon not been there to “keep the Earth in line” and continue to stabilize the orbital position of the Earth so our climate could remain stable and mild.

A third significant influence of the moon comes from that origin as coming from a collision which “ripped” the body of the moon from the developing core of the Earth.  Because of this disruption in how the core of our planet developed, the metals that are usually intact in the core of the planet are actually scattered up and down the geography of the earth in diverse ways.  Usually the metals of the planet are all concentrated deep in the core.  But because of the collision which took the moon out to orbit, metals that have been crucial to the development of our industrial and technological cultures are readily available and easy for use to mine.  This again, is something we can thank the presence of that lovely moon in the sky for.

Look – Up in the Sky!

When television was young, there was a hugely popular show based on the still popular fictional character of Superman.  The opening of that show had a familiar phrase that went, “Look.  Up in the sky.  It’s a bird.  It’s a plane.  It’s Superman!”  How beloved Superman has become in our culture and the worldwide fascination with extraterrestrials and all things cosmic only emphasizes that there is a deep curiosity in all humans about nature and astronomy, even if many people would not know to call it astronomy.

Astronomy is one of the oldest sciences of all time.  When archeologists unearth ancient civilizations, even as far back as the cavemen, they invariably find art that shows mans unquenchable fascination with the stars.  To this day, you can easily get an animated discussion at any gathering on the topic of “Is there intelligent life on other planets?”

Many have tried to explain mankind’s seeming obsession with outer space as a result of an ancient memory or as part of mankind’s eternal nature.  Whatever the cause, people of every age and every nation share this one deep interest, to know more about the universe that our tiny planet is just a part of.

It’s rather strange because the actual conduct of a serious student of astronomy is really not the stuff of high adventure.  You will never see a “Raiders of the Lost Arc” or “Jurassic Park” movie made about an astronomer.  Excitement for lovers of this science is to stay up all night watching the cosmos through a powerful telescope.  But that fact does not seem to discourage the tens of thousands to get into astronomy each year and the huge interest worldwide with the stars, the planets and the universe.

There may be no other universal human fascination that does so much to make national boundaries and even international animosity seem to evaporate.  Other than the Olympic movement, international cooperation to achieve great strides for human kind in space seems to go forward without interruption even when the nations cooperating in those projects are virtually at war back on the surface of the earth.  It is a strange thing to watch as Russian, American and other astronauts work together like brothers on space missions even as their home nations are busily pointing missiles at each other back at home.  It almost makes you think that we should put more energy and money into the space program, not less because it seems to be a bond that heals tension rather than creates it.

Why is astronomy so exciting even though we have no dinosaurs, moving animals or any real danger to most who are obsessed with the discipline?  It may go back to a basic curiosity that all human beings have about their natural habitat and this big mysterious thing out there called space.  Maybe it goes back to that old saying at the beginning of Star Trek that space is “the final frontier”.

But we all share that ongoing sense of excitement each time we take out our telescopes and gaze directly at the cosmos above us.  We feel we are looking at the very dawn of time.  And in light of the issues with the speed of light which means that many of the twinkling stars out there are really light from those stars that started their journey to us thousands of years ago, we are in actually looking directly at the past every time we direct our eyes skyward.

But we don’t have to worry about ever conquering the final frontier and finding our curiosity satisfied.  There will always be more to learn and discover in the world of astronomy.  And it is likely that mankind’s curiosity about astronomy is just as limitless as well.

How to Look Up

The beauty of astronomy is that anybody can do it.  From the tiniest baby to the most advanced astrophysicist, there is something for anyone who wants to enjoy astronomy.  In fact, it is a science that is so accessible that virtually anybody can do it virtually anywhere they are.  All they have to know how to do is to look up.

It really is amazing when you think about it that just by looking up on any given night, you could see virtually hundreds of thousands of stars, star systems, planets, moons, asteroids, comets and maybe a even an occasional space shuttle might wander by.  It is even more breathtaking when you realize that the sky you are looking up at is for all intents and purposes the exact same sky that our ancestors hundreds and thousands of years ago enjoyed when they just looked up.

There is something timeless about the cosmos.  The fact that the planets and the moon and the stars beyond them have been there for ages does something to our sense of our place in the universe.  In fact, many of the stars we “see” with our naked eye are actually light that came from that star hundreds of thousands of years ago.  That light is just now reaching the earth.  So in a very real way, looking up is like time travel.

Everybody knows how to look up.  Children first discover the amazing light show on display for free every clear night by just looking up.  You can probably remember that very first time you noticed that explosion of stars above you when you were a child.  Now it is time to foster that same love of astronomy in your own children.  You have to teach them how to look up.

While anyone can look up and fall in love with the stars at any time, the fun of astronomy is learning how to become more and more skilled and equipped in star gazing that you see and understand more and more each time you look up.  Here are some steps you can take to make the moments you can devote to your hobby of astronomy much more enjoyable.

* Get out of town.  The furtherest you can get from the lights of the city, the more you will see in the night sky.

* Know what you are looking at.  It is great fun to start learning the constellations, how to navigate the night sky and find the planets and the famous stars.  There are web sites and books galore to guide you.

* Get some history.  Learning the background to the great discoveries in astronomy will make your moments star gazing more meaningful.  It is one of the oldest sciences on earth so find out the greats of history who have looked at these stars before you.

* Get a geek.  Astronomy clubs are lively places full of knowledgeable amateurs who love to share their knowledge with you.  For the price of a coke and snacks, they will go star gazing with you and overwhelm you with trivia and great knowledge.

* Know when to look.  Not only knowing the weather will make sure your star gazing is rewarding but if you learn when the big meteor showers and other big astronomy events will happen will make the excitement of astronomy come alive for you.

And when all is said and done, get equipped.  Your quest for newer and better telescopes will be a lifelong one.  Let yourself get addicted to astronomy and the experience will enrich every aspect of life.  It will be an addiction you never want to break.