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William Ember - ArticlesWilliam Ember is author of the Credit Card Conqueror Report which provides detailed and practical plans on how to save money on credit card interest and other charges (and in some cases pay none at all!) The report is available free from his website. What Are The Benefits Of Astral Projection And Lucid Dreaming?People sometimes wonder why anyone would want to learn Astral Projection or Lucid Dreaming. Many have an idea or two they want to explore, but few people consider the extent of the rich possibilities. The benefits of Astral Experiences and the purposes which they can fulfill are very varied and... What Is Lucid Dreaming?Lucid Dreaming is a term coined by Frederik van Eeden. Very simply put, a dream in which you are aware that you are dreaming is called a Lucid Dream. The term 'lucid' is thus synonymous with 'conscious' or 'aware'. But the degree of your 'lucidity' can vary according to the... What Is The Nature And Function Of Sleep And Dreams?Sleep is the process in which our energetic body (also known as the etheric body or vital body) is put on 'recharge'. It expands and opens in order to assimilate and store energy. This energy body can normally only do this in its expanded state during sleep. In this state,... Are Astral Projection And Lucid Dreaming Safe For Everyone?Yes, it is entirely safe - you cannot get hurt while consciously in the Astral Plane any more than you can while dreaming 'normally'. Astral Projection and Lucid Dreaming are natural experiences reported in every culture and society of the world. (However, anyone who has acute psychological problems should probably... What Are Astral Projections And Etheric Projections?Astral Projection is the common name for the process by which your consciousness (or awareness, soul, psyche) can temporarily leave its physical body and function independently, while your physical body remains passive. During this experience, we observe the world (or other worlds) from a non-physical point of view and with... Balance Transfer TipsThe most expedient and convenient way (but not necessarily the most effective as we shall see later) of reducing the interest on your card is to get balance transfer, which basically means paying off one card with another. Obviously you need another card to do this and there is really... Understanding Grace Periods And Interest Free PeriodsKnowing the way in which interest free days works is fundamental to both getting the most out of your card(s) and for the debt-management plans outlined later. The first thing to know is that interest free days are only available on Purchases (unless otherwise stated in your terms and conditions,... Basic Credit Card ShiftingSay I bought a TV for $500, but I didn't even have $500. But - I'm smart - I do have another card! What should I do by the due date? A balance transfer? Well, I'd certainly consider it if I had a current interest free balance transfer offer available....
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