What Should I Do if I Drop My Cell Phone in Water?

a friend of mine told me....

DO :

If you drop your cell phone in water, you may have only seconds to retrieve it.

remove the battery immediately without even hesitating to turn off the power.

if you have no idea wht to do.send the phone to the shop for service.

or

****Disassemble it as much as you can. If you can pull it apart completely (to the circuit board) then *do it!*

Dry it as much as possible with cotton wool or cotton buds.

Leave it somewhere warm (*not* hot!!!) as drying is a gradual process & should be done over 2-3 days.

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DO NOT :

*Do not put the battery back in!!* Dropping your phone is an awful feeling. But *never* get curious and put the battery back in early. Wait the 2/3 days till dry.

9/10 times it will short circuit the phone and it will be broken.

*Don't dry it with a hairdryer!* It won't evaporate the moisture, and will force the moisture deeper in.

*Don't try to heat it in any way!* I have to stress it needs to be dried *slowly*. Put it near a low heater, in hot water cupboard, near a dehumidifier, in uncooked rice or similar. If you try heating it, the moisture will be forced into somewhere hard to fix, ie, *in the screen.*

hope this article will help =)

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菅野結以

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小森純


she alwys pretty and sexy, but now she bcm so sweet ^^

















青木英李




孫イ




樋口智子


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defination ----> pretty_F <----
Pleasing by delicacy or grace; attracting, but not striking or impressing; of a pleasing and attractive form a color; having slight or diminutive beauty; neat or elegant without elevation or grandeur; pleasingly, but not grandly, conceived or expressed ?????

very complicated huh???
对我而言....自信就是美丽的开始 ^^

retirement risk ???

1. Longevity Risk
the biggest risk and the most difficult to figure out.Long lifetimes are difficult to predict for individuals.best way to manage that risk? Social Security, traditional pensions and payout annuities all promise to pay an individual a specified amount of income for life, according to the SOA, reverse mortgage; "longevity insurance," ......

2. Inflation Risk
inflation has averaged 3% since 1913, it's also true that it's gone up nearly 9% in some decades and it's fallen nearly 2% in another decade.there are no guarantees when it comes to predicting the cost of living in the future.
investors try to own some assets whose value may grow in times of inflation.however,this sometimes will trade inflation risk for investment risk.

3. Interest Rate Risk
to manage this risk? The SOA recommends immediate annuities, long-term bonds, mortgages or dividend-paying stocks.

5. Business Risk
Lots of bad stuff can happen to retirement funds.You can gauge whether your employer is safe by its credit rating or whether your insurance is safe by it claims-paying ability rating. But you still need to manage this risk.

other 10 risks associated with retirement are: business risk; public policy risks; unexpected health-care needs and costs; lack of available facilities or caregivers; loss of ability to live independently; change in housing needs; death of a spouse; other change in marital status (read: divorce); unforeseen needs of family members; and bad advice, fraud or theft.

Managing Debt and Credit

Before You Start
1.Gather recent account statements from your credit cards and other debts.
2.Review the interest rates and finance charges you currently pay on each account.
3.Take a fresh look at your household budget (or spending habits if you don't have a budget yet).
4.Think about your ability to stop using credit on a regular basis and what changes you might be willing to make to improve your financial outlook

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Using credit today means you have confidence in your future ability to pay that debt.

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To use credit intelligently, start by examining the terms of the card(s) you are currently using. Keeping track of your cards, their rates, and your current balances will help you to be aware of how you use credit cards.

If you think you may have too much credit card debt, begin to address it by honestly evaluating your spending habits. Examine your existing expenses to analyze how your money is spent. You will most likely be able to identify the problem areas where you are more likely to spend too much or too readily with credit cards. Then, based on your current spending practices, create a realistic budget to pay off your credit card debt in the shortest time possible while not adding any more debt to it.

As you pay down your debt in a revolving line of credit, the minimum payment is also reduced, thus extending your payoff period and, consequently, the interest you pay.

Never spend more than you earn. Once you have come to grips with this basic fact, managing your debt will become far easier and more rewarding.Spending more than you earn in any given period is a dangerous practice at best, but doing it over an extended period of time can be financial suicide.