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<title>Francisco Lakay - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Francisco_Lakay</link>
<pubDate>Wed, 15 Feb 2012 06:01:30 -0600</pubDate>
<image><title>Francisco Lakay - EzineArticles Expert Author</title>
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<copyright>Copyright 2012 EzineArticles.com - All Rights Reserved.</copyright>
<description><![CDATA[Microbiologist with a diversity of interests, namely poetry, tennis, chess, internet marketing, real estate investments, weight loss, and more.]]></description>
<lastBuildDate>Wed, 06 Jan 2010 07:51:27 -0600</lastBuildDate>
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<item>
<title>How to Limit Your Spending Habits For Good - Part 2</title>
<link>http://EzineArticles.com/3512978</link>
<guid>http://EzineArticles.com/3512978</guid>
<pubDate>Wed, 06 Jan 2010 07:51:27 -0600</pubDate>
<description><![CDATA[Learn to successfully manage your spending habits. Reduce your debt lifestyle and save more money each month.]]></description>
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<item>
<title>How to Limit Your Spending Habits For Good - Part 1</title>
<link>http://EzineArticles.com/3512966</link>
<guid>http://EzineArticles.com/3512966</guid>
<pubDate>Wed, 06 Jan 2010 07:50:17 -0600</pubDate>
<description><![CDATA[Useful tips to avoid unnecessary over-spending. Learn how to successfully reduce your debts.]]></description>
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<item>
<title>How to Limit Your Spending Habits For Good - Part 3</title>
<link>http://EzineArticles.com/3512989</link>
<guid>http://EzineArticles.com/3512989</guid>
<pubDate>Tue, 05 Jan 2010 22:48:05 -0600</pubDate>
<description><![CDATA[Don't continue to live your life on credit. Find the debt relief that you need.]]></description>
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<item>
<title>How to Become Debt Free - Part 1</title>
<link>http://EzineArticles.com/3471079</link>
<guid>http://EzineArticles.com/3471079</guid>
<pubDate>Mon, 28 Dec 2009 15:22:37 -0600</pubDate>
<description><![CDATA[In order to become debt free you will need to change your lifestyle. Change the way you shop and think about money.]]></description>
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<item>
<title>How to Become Debt Free - Part 2</title>
<link>http://EzineArticles.com/3471110</link>
<guid>http://EzineArticles.com/3471110</guid>
<pubDate>Sun, 27 Dec 2009 06:55:58 -0600</pubDate>
<description><![CDATA[You will have to change your mindset about money and how you use it to become debt-free. These helpful tips will help to get you started.]]></description>
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<item>
<title>Debt in the Movies - Part 3</title>
<link>http://EzineArticles.com/3465504</link>
<guid>http://EzineArticles.com/3465504</guid>
<pubDate>Thu, 24 Dec 2009 10:15:40 -0600</pubDate>
<description><![CDATA[The movie I.O.U.S.A. both challenges and offers solutions to the ever-increasing American debt problem. Why is America importing more goods than it is exporting?]]></description>
</item>
<item>
<title>The Most Important Steps in Your Debt Elimination Process</title>
<link>http://EzineArticles.com/3465557</link>
<guid>http://EzineArticles.com/3465557</guid>
<pubDate>Wed, 23 Dec 2009 15:54:46 -0600</pubDate>
<description><![CDATA[Still unsure if you should apply for the debt elimination process? Procrastination will not get you anywhere. Act today!]]></description>
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<item>
<title>Lifestyle Debt - In the Movies - Part 2</title>
<link>http://EzineArticles.com/3428287</link>
<guid>http://EzineArticles.com/3428287</guid>
<pubDate>Wed, 16 Dec 2009 21:11:57 -0600</pubDate>
<description><![CDATA[The new hard-hitting documentary, "In Debt We Trust" by Danny Schechter investigates the reasons why so many Americans are being strangled by debt. The former Ronald Reagan advisor, Kevin Phillips called it "financialization", which is the 'powerful emergence of a debt-and-credit industrial complex.']]></description>
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<item>
<title>Lifestyle Debt - In the Movies (Part 1)</title>
<link>http://EzineArticles.com/3421495</link>
<guid>http://EzineArticles.com/3421495</guid>
<pubDate>Tue, 15 Dec 2009 15:03:58 -0600</pubDate>
<description><![CDATA[Are you unable to keep up with your debt? Is your credit providers hassling you? Afraid you might lose everything? Get help from a debt counselor to consolidate all your outstanding debt.]]></description>
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<item>
<title>Are You Drowning in Lifestyle Debt?</title>
<link>http://EzineArticles.com/3403804</link>
<guid>http://EzineArticles.com/3403804</guid>
<pubDate>Fri, 11 Dec 2009 11:13:05 -0600</pubDate>
<description><![CDATA[If you struggle with lifestyle debt you need debt counseling. The recession made it difficult for most people to cope with previously accumulated debt. Get help today.]]></description>
</item>
<item>
<title>Debt Counseling - Pros and Cons</title>
<link>http://EzineArticles.com/3403787</link>
<guid>http://EzineArticles.com/3403787</guid>
<pubDate>Fri, 11 Dec 2009 11:10:42 -0600</pubDate>
<description><![CDATA[Is it a good idea to apply for debt counseling when I'm over-indebted? What are the advantages and disadvantages to it?]]></description>
</item>
<item>
<title>Debt Elimination Questions Answered (Part 3)</title>
<link>http://EzineArticles.com/3403774</link>
<guid>http://EzineArticles.com/3403774</guid>
<pubDate>Fri, 11 Dec 2009 11:02:17 -0600</pubDate>
<description><![CDATA[How can I get protection from my creditors? How do I stop them from taking my home?]]></description>
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<item>
<title>Debt Elimination Questions Answered (Part 2)</title>
<link>http://EzineArticles.com/3403749</link>
<guid>http://EzineArticles.com/3403749</guid>
<pubDate>Fri, 11 Dec 2009 10:53:46 -0600</pubDate>
<description><![CDATA[Do you qualify for debt counseling? Are your assets secure from repossession?]]></description>
</item>
<item>
<title>Debt Elimination Questions Answered (Part 1)</title>
<link>http://EzineArticles.com/3384827</link>
<guid>http://EzineArticles.com/3384827</guid>
<pubDate>Wed, 09 Dec 2009 10:52:08 -0600</pubDate>
<description><![CDATA[Most people are still unfamiliar with the debt counseling process. Debt Elimination questions answered attempts to address most of these questions.]]></description>
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<item>
<title>Debt Counseling Obstructions</title>
<link>http://EzineArticles.com/3384593</link>
<guid>http://EzineArticles.com/3384593</guid>
<pubDate>Wed, 09 Dec 2009 10:50:50 -0600</pubDate>
<description><![CDATA[The debt counseling process can be hindered by several inconsistencies and a lack of communication. This can drag out the procedure much longer than is needed.]]></description>
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<item>
<title>Save R1.2 Million With Debt Counseling</title>
<link>http://EzineArticles.com/3335410</link>
<guid>http://EzineArticles.com/3335410</guid>
<pubDate>Wed, 02 Dec 2009 15:32:28 -0600</pubDate>
<description><![CDATA[Sounds too good to be true? It does not have to be. Debt counseling will minimize your repayments, along with your stress levels. It might even allow you to hold on to your house and vehicle if you apply before any legal action is taken.]]></description>
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<item>
<title>How to Know You Need Debt Counseling</title>
<link>http://EzineArticles.com/3335465</link>
<guid>http://EzineArticles.com/3335465</guid>
<pubDate>Wed, 02 Dec 2009 11:52:47 -0600</pubDate>
<description><![CDATA[Do you qualify with the following tell-tale signs of debt-related stress? Alleviate your stress today by applying for debt counseling. It's good for you!]]></description>
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<item>
<title>The Debt Counseling Process</title>
<link>http://EzineArticles.com/3307924</link>
<guid>http://EzineArticles.com/3307924</guid>
<pubDate>Tue, 24 Nov 2009 16:36:17 -0600</pubDate>
<description><![CDATA[The debt counseling process can take up to 60 working days to complete, but generally you as the consumer are protected against legal action after 5 days into the process. However, this is dependent on you giving a very detailed record of your financial situation.]]></description>
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<item>
<title>Debt Counseling - Fast Facts</title>
<link>http://EzineArticles.com/3304714</link>
<guid>http://EzineArticles.com/3304714</guid>
<pubDate>Tue, 24 Nov 2009 10:50:56 -0600</pubDate>
<description><![CDATA[With credit being so easily available nowadays it's good to limit yourself to only that which you can afford. Don't go for easy options such as opening another credit account; thereby mounting to your ever increasing debt.]]></description>
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<item>
<title>How to Take Control Over Your Debt - Apply For Debt Counseling</title>
<link>http://EzineArticles.com/3247101</link>
<guid>http://EzineArticles.com/3247101</guid>
<pubDate>Thu, 12 Nov 2009 16:23:37 -0600</pubDate>
<description><![CDATA[Are credit providers constantly phoning you to demand payment? Do you avoid or ignore them, hoping that everything will just go away? There is an easier option... apply for debt counseling.]]></description>
</item>
<item>
<title>What is Debt Counseling?</title>
<link>http://EzineArticles.com/3247038</link>
<guid>http://EzineArticles.com/3247038</guid>
<pubDate>Thu, 12 Nov 2009 15:51:15 -0600</pubDate>
<description><![CDATA[Do you struggle to cope with all your monthly bills? You could apply for debt relief to overcome your financial anxiety.]]></description>
</item>
<item>
<title>Property Investing - Is Real Estate Your Ticket To Financial Freedom?</title>
<link>http://EzineArticles.com/1024428</link>
<guid>http://EzineArticles.com/1024428</guid>
<pubDate>Tue, 04 Mar 2008 10:28:01 -0600</pubDate>
<description><![CDATA[How do you know if property investing will work for you? If you have a keen interest in real estate and would like to gain financial freedom through passive income ... you have found the most suitable vehicle to a life of grown-up Monopoly!]]></description>
</item>
<item>
<title>Realistic Weight Loss - Goals, Journey and Success!</title>
<link>http://EzineArticles.com/1024242</link>
<guid>http://EzineArticles.com/1024242</guid>
<pubDate>Tue, 04 Mar 2008 10:03:04 -0600</pubDate>
<description><![CDATA[Everyone at some stage must have admired some well-toned, muscular body, thinking how nice it would be to look like that! Remember when Jean-Claude van Damme hit the scenes looking like THAT?! Every woman was getting all glassy-eyed upon seeing him and men wanted to look like him. But what would truly motivate you to want to attain that well-toned, fit physique?]]></description>
</item>
<item>
<title>Getting Started in Real Estate Investing</title>
<link>http://EzineArticles.com/1014195</link>
<guid>http://EzineArticles.com/1014195</guid>
<pubDate>Thu, 28 Feb 2008 09:46:12 -0600</pubDate>
<description><![CDATA[People always mention on how to get rich with the stock market, but seldom mentions the much safer option of real estate investing. Real estate allows you to gradually increase your monthly cashflow, making it possible to have a decent residual income for the rest of your life.]]></description>
</item>
<item>
<title>What is Latent Semantic Indexing?</title>
<link>http://EzineArticles.com/729252</link>
<guid>http://EzineArticles.com/729252</guid>
<pubDate>Thu, 13 Sep 2007 09:58:03 -0500</pubDate>
<description><![CDATA[Latent semantic indexing is the latest Google driven creation, aimed at measuring your web page content in relation to the entire site, to discover your site's overall theme. This will avoid penalizing good quality sites which add too much content too quickly, as opposed to fabricated sites that uses link farming and excessive duplicate content.]]></description>
</item>
<item>
<title>How To Play Tennis - Drive Shots</title>
<link>http://EzineArticles.com/720344</link>
<guid>http://EzineArticles.com/720344</guid>
<pubDate>Fri, 07 Sep 2007 09:57:00 -0500</pubDate>
<description><![CDATA[Your return shots, and in particular forehand and backhand drives, if done with speed and accuracy, will allow you to fully make use of the whole tennis court. Always play your drives with a flat swing and long follow through, your body sideways to the net, and your weight shifting forward upon hitting the ball.]]></description>
</item>
<item>
<title>Healthy Food Choices - Lose Belly Fat and Love Handles</title>
<link>http://EzineArticles.com/715099</link>
<guid>http://EzineArticles.com/715099</guid>
<pubDate>Tue, 04 Sep 2007 12:58:59 -0500</pubDate>
<description><![CDATA[You will not lose belly fat and love handles by eating French fries, pies, pastries, sweets and chocolate like they are going out of fashion. To eat right takes some restraint and achievable short term goals from your side. Do not fool yourself by making claims that you will lose 10 pounds in 1 week, or worse yet - swear off all food and starve yourself on salads and tiny portions to attain that slim body.]]></description>
</item>
<item>
<title>How To Improve Your Tennis Serve</title>
<link>http://EzineArticles.com/715087</link>
<guid>http://EzineArticles.com/715087</guid>
<pubDate>Tue, 04 Sep 2007 12:08:59 -0500</pubDate>
<description><![CDATA[Your tennis service, just like your service return, can make or break you. If you have a weak serve that lacks speed, you will be put away on every return shot - be it cross-court or straight down the line. Service must be speedy and preferably make your opponent reach for it.]]></description>
</item>
<item>
<title>Tennis Lessons for Beginners - Concentration and Equipment</title>
<link>http://EzineArticles.com/706835</link>
<guid>http://EzineArticles.com/706835</guid>
<pubDate>Wed, 29 Aug 2007 10:01:46 -0500</pubDate>
<description><![CDATA[Tennis, like chess, are primarily won or lost in one's mind. You have to remain focused and concentrated on the job at hand. Even with a perfect racket technique and superb backhand, a wandering mind will cost you the game in the end. However, with tennis as a social sport, do not forget to have fun at the same time - your opponent is not your enemy after all!]]></description>
</item>
<item>
<title>Tennis Lessons For Beginners - Learning From Professionals</title>
<link>http://EzineArticles.com/706868</link>
<guid>http://EzineArticles.com/706868</guid>
<pubDate>Tue, 28 Aug 2007 15:16:29 -0500</pubDate>
<description><![CDATA[You will not improve your tennis play by putting up high scores on your playstation, online gaming, or whatever arcade form of tennis game you can get your hands on. For one, you can serve the perfect ace by timing your button clicking with a tennis game, but on the court you will have to do several things exactly right to achieve a similar result.]]></description>
</item>
<item>
<title>Tennis Lessons for Beginners - Grip and Body Position</title>
<link>http://EzineArticles.com/706873</link>
<guid>http://EzineArticles.com/706873</guid>
<pubDate>Tue, 28 Aug 2007 15:02:33 -0500</pubDate>
<description><![CDATA[A faulty tennis racquet grip will ruin the finest shot, whereas the correct grip can essentially aid your stroke play. Correct body position will advance the correct footwork, bringing forth controlled and direct tennis shots.]]></description>
</item>
<item>
<title>10 Popular Exercises to Effective Weight Loss - Part 2</title>
<link>http://EzineArticles.com/690613</link>
<guid>http://EzineArticles.com/690613</guid>
<pubDate>Thu, 16 Aug 2007 13:23:26 -0500</pubDate>
<description><![CDATA[Dumbbell lunges: Stand up straight with feet together and a dumbbell in each hand against your sides. Take a step forward and bend your front leg till your thigh is parallel to the floor. Return to the starting position, bringing your arms up to your chest.]]></description>
</item>
<item>
<title>10 Popular Exercises to Effective Weight Loss - Part 1</title>
<link>http://EzineArticles.com/688381</link>
<guid>http://EzineArticles.com/688381</guid>
<pubDate>Wed, 15 Aug 2007 10:03:04 -0500</pubDate>
<description><![CDATA[The most popular question today on how to lose your love handles is that of fat burning and spot toning ("spot reduction"). However, the only way to overall body fat loss is through aerobic exercise, resistance training and healthy food consumption.]]></description>
</item>
<item>
<title>5 Ways to Lose Your Stomach Fat and Love Handles</title>
<link>http://EzineArticles.com/686019</link>
<guid>http://EzineArticles.com/686019</guid>
<pubDate>Mon, 13 Aug 2007 11:13:52 -0500</pubDate>
<description><![CDATA[You probably heard the question before: "What exercises will help me to lose my stomach fat and love handles fast?" You also might have heard quite a few suggestions about how to achieve this too, but how do you know if you are on the right track? I would like to enlighten those who have been wrongfully informed by offering 5 simple ways to efficiently aid the loss of your stomach fat and love handles.]]></description>
</item>
<item>
<title>How to Prevent Shaving Rash</title>
<link>http://EzineArticles.com/683687</link>
<guid>http://EzineArticles.com/683687</guid>
<pubDate>Mon, 13 Aug 2007 08:21:47 -0500</pubDate>
<description><![CDATA[Shaving rash is a common problem in men with curly hair, where after shaving a remnant of hair remains in the hair follicle. Growing hair may immediately curve back into the surrounding skin, thereby causing a skin irritation. With your next shave you will nick these skin irritation lumps, worsening inflammation and possibly initiate infection.]]></description>
</item>
<item>
<title>How To Solve Common Dog Behavior Problems</title>
<link>http://EzineArticles.com/674388</link>
<guid>http://EzineArticles.com/674388</guid>
<pubDate>Sat, 04 Aug 2007 18:35:25 -0500</pubDate>
<description><![CDATA[Are you struggling to earn your dog's attention, respect or even loyalty? Do you feel like you are not gaining your dog's trust?]]></description>
</item>
<item>
<title>How To Lose Stomach Fat And Love Handles</title>
<link>http://EzineArticles.com/662146</link>
<guid>http://EzineArticles.com/662146</guid>
<pubDate>Sat, 04 Aug 2007 12:37:42 -0500</pubDate>
<description><![CDATA[Can you see your belt buckle if you stand up straight? When you bend sideways do you feel this 'roll' pressing against your ribs? Yep, you've got the two most dreaded problems men struggle with: stomach fat and love handles!]]></description>
</item>
<item>
<title>Stop Snoring Tips</title>
<link>http://EzineArticles.com/662148</link>
<guid>http://EzineArticles.com/662148</guid>
<pubDate>Tue, 31 Jul 2007 13:52:33 -0500</pubDate>
<description><![CDATA[Do you know someone who snores? Do you snore? How bad is it?]]></description>
</item>
<item>
<title>Correct Dog Behavior Problems</title>
<link>http://EzineArticles.com/641206</link>
<guid>http://EzineArticles.com/641206</guid>
<pubDate>Sat, 14 Jul 2007 21:04:55 -0500</pubDate>
<description><![CDATA[Do you often wonder how to manage and correct your dog's behavior problems? Even after dog training classes?]]></description>
</item>
<item>
<title>Cure Your Yeast Infection - Safely and Naturally!</title>
<link>http://EzineArticles.com/640626</link>
<guid>http://EzineArticles.com/640626</guid>
<pubDate>Fri, 13 Jul 2007 14:46:16 -0500</pubDate>
<description><![CDATA[Discover how to cure your yeast infection  naturally and safely, without using any toxic or harmful substances.]]></description>
</item>
<item>
<title>African Art And Crafts</title>
<link>http://EzineArticles.com/638391</link>
<guid>http://EzineArticles.com/638391</guid>
<pubDate>Thu, 12 Jul 2007 13:09:30 -0500</pubDate>
<description><![CDATA[African art and crafts are truly reminiscent of the country's true heritage and different ethnic groups.]]></description>
</item>
<item>
<title>How to Cure Zits</title>
<link>http://EzineArticles.com/621103</link>
<guid>http://EzineArticles.com/621103</guid>
<pubDate>Fri, 29 Jun 2007 15:51:22 -0500</pubDate>
<description><![CDATA[Are you tired of popping your zits and leaving scar tissue? The more you pop them, the more severe your acne become!]]></description>
</item>
<item>
<title>Acid Reflux In Babies</title>
<link>http://EzineArticles.com/619743</link>
<guid>http://EzineArticles.com/619743</guid>
<pubDate>Fri, 29 Jun 2007 14:12:43 -0500</pubDate>
<description><![CDATA[What are the general symptoms for acid reflux in babies? How can you avoid or ease your baby's acid reflux effectively? Look out for the common causes of acid reflux.]]></description>
</item>
<item>
<title>Laser Removal</title>
<link>http://EzineArticles.com/620509</link>
<guid>http://EzineArticles.com/620509</guid>
<pubDate>Fri, 29 Jun 2007 08:45:11 -0500</pubDate>
<description><![CDATA[Laser removal of unwanted hair, moles, tattoos, stretch marks, birth marks, scars and even spider veins are quite common nowadays. ]]></description>
</item>
<item>
<title>How to Get Rid of Stomach Fat</title>
<link>http://EzineArticles.com/518948</link>
<guid>http://EzineArticles.com/518948</guid>
<pubDate>Fri, 22 Jun 2007 08:55:34 -0500</pubDate>
<description><![CDATA[Have you been trying in vain to lose your stomach fat? Discover how to get rid of love handles and even a double chin!]]></description>
</item>
<item>
<title>Cure Acne Scarring Naturally</title>
<link>http://EzineArticles.com/518959</link>
<guid>http://EzineArticles.com/518959</guid>
<pubDate>Fri, 22 Jun 2007 08:23:35 -0500</pubDate>
<description><![CDATA[High school should be the most memorable time for anyone, but not for the wrong reasons. Mine was definitely memorable and mainly due to my unsightly acne and blackhead stricken face! I was embarrassed the whole time, did not even look people in the eye, AND would know exactly when my shoes were dirty .]]></description>
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