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What's the biggest problem with memory tricks? Remembering to use them, of course. There are many memory techniques that work well, but you'll forget them when effexor xr need them most - unless you make using them a habit. So when you take the time to learn a technique, use it until it becomes automatic. Here are some to try.

Using a Story-List

I went to a party as a child. There was a game that involved looking at a table covered in 15 various items. After a few minutes, we were taken to another room, and each child was given paper and a pencil. We had to write down as many items as we could remember. I recalled seven or eight, but one boy won the prize by remembering all 15 items.

Years later I learned why he won. His father taught him a simple trick that none of us other kids knew. The technique is to tie the items together in an imaginative story. For example, what if you want to remember a list of the following things: Soap, milk, honey, fork, and flowers.

Start a vivid story in best secured loan imagination, adding each item to it as you go: At the sink, you reach for the SOAP. The soap dish is full of MILK, so you wash your hands in that. Then you comb HONEY into your hair with a FORK, and finally pick up a bouquet of FLOWERS and smile at the mirror. Say each item while mentally reviewing your "movie," and you'll remember all five things, even the next day.

Some Other Memory Tricks

Tell yourself to remember. When you learn a person's name, for example, tell yourself, "remember that". This signals your unconscious mind to rank this input as more important.

Know WHY you want to remember something, and HOW you'll remember it. To remember a person, for example, ask why they'll be important to you in the future, imagine where you'll see them next, and connect that to anything you notice about them. Seeing the importance of remembering really helps, and additional associations (where you expect to see the person next) set the memory more firmly in your brain.

Do you ever forget where you put your car keys? You've probably tried retracing your steps, at least doing it in your imagination. This can work well, but even better is to prevent the forgetting beforehand. When you set the keys on the chair, see yourself walking in and setting the keys on the chair. You won't forget where they are.

There are many more of these memory tricks. If you want them to be useful, though, don't just read about them. Make a memory technique or two into a habit, starting today.

Steve Gillman writes on many self help topics including boosting brainpower, losing weight, meditation, habits of mind, creative problem solving, learning gratitude, generating luck and anything related to self improvement. You'll find more at selfimprovementnowSelfImprovementNow

In the same way that the other lending fields have buy meridia feeling car charity crunch in recent months, it is expected that the credit card industry is going to be tightening it's belt soon.

The mounting problems for most lenders right now relates to mortgages. Many banks and lending institutions gave much more in lending than they should have to many of their customers. Eventually it started catching up with them, as their customers could not make their mortgage payments (because they were more than they should have been in the first place) and then started defaulting on those mortgages.

Now the concern is that the same thing has happened in the credit card market. Many people have been allowed to get more and more credit cards with higher limits in recent years. Many credit card companies kept upping their limits so they would spend more because they didn't foresee a backwards spiral from their actions.

Now many people are in too deep of debt and are filing bankruptcy, leaving the banks with the debt. This is causing them to rethink what they had approved in the past. Many are rolling back credit limits and tightening the usage of cards they have issued.

What does this mean for you? This means you better know what your limit is and know how you will deal with a lowered limit from your credit card company.

Read the Mailings

Your credit card company will have to let you know if they are going to change your limit. But, if you are like a lot of people you get so many mailings that you don't pay close attention. Change that habit. It could be one line in a statement or other notification that tells you they are lowering the limit.

Additionally, many credit card companies are upping the interest you will have to pay on your cards if you keep a balance on them.

Use Wise Credit Practices

The next thing you need to do is use the best credit cards practices you can. If you have debt on your card here's what you need to do:

Charge what you need to and make sure you can pay a lot of it off at the end of the month - This way you will not be surprised if you suddenly have a lower limit as it will not impact your monthly credit card usage.

Don't miss a payment - One missed payment looks like you are having tough times and can cause the credit card company to clamp down on you.

Try to keep your overall debt at or less of your credit limit - Some credit card companies are chopping credit limits by as much as . If you know this and keep your outstanding debt below this point you should not be damaged even if they decide to cut your credit.

Steve Sikes is an MBA and writes articles on credit cards and other financial products. To read other articles and compare and apply online for top credit card offers for low interest, balance transfers, rewards, cash back , business, airline miles, you will want to visit CreditCardWaveCreditCardWave