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How To Talk To A “10″ You are out with some friends, maybe at a great new lounge. On your way to the bar, you notice a woman with extra-special beauty laughing with her friends. She has that look of beauty that is rare, but is breathtaking. You want to meet her, but how?

It might surprise you to hear that the very attractive women out there are often the easiest to approach. Most women of great beauty are so intimidating to men, that the best a guy can do is pick his jaw up off the floor and keep walking. Truthfully, extraordinary beauty strikes the fear of God in many men.

So, if you want to learn how to approach and attract very beautiful women, the most important thing to remember is .relax.

A few years ago, I worked up the nerve to approach a very famous supermodel (who shall remain nameless). I was terrified upon approaching, but forced myself to do it because I knew it would help me build my confidence.

What surprised me was how open she was to having a conversation. She was friendly, humorous and engaging. The interaction ended when her thug-bodyguard ran me off but I was so surprised how easy she was to talk to. Interesting, right?

What my friends and I realized later was that women of great beauty are rarely approached by men. The women hardest to meet are, in fact, those that are a bit below the supermodel level call them an 8 or a 9 (rating scales are crude, so forgive me). They are less intimidating, and therefore more approachable by men.

They are the ones who will often throw tests at you as fast as a Roger Clemens fastball. Why? They have had to learn how to deal with men trying to pick them up a lot, and have developed an arsenal to defend themselves from guys only interested in their bodies.

However, the 10 s of the world are already so fearsome to men, that they tend to get off slightly easier. Of course, they have challenges in different ways, but for now I encourage you to go for it and approach them.

When (and if) you do, be sure not to fawn over their beauty or even remark that they are attractive. This will instantly blow it for you, as you become one of the many who are not able to get past their looks. Instead, ask her something like this:

Excuse me I need female input on a debate my friends and I are having maybe you can help. In a relationship, what is more important to women romance or adventure?

Presto ask her this and she won t think you are talking to her because she is so gorgeous, but because she is nearby and female. Plus, it is an interesting topic women love talking about relationships. From there, just engage her in playful conversation, and then lead her into a more personal conversation.

If you asked an extremely attractive woman what is it that most upsets her about her beauty, it would probably be that people see her as a hot body, rather than as a person.

So, remember relax - and go for it. And when you do, be sure to talk to the person and not the body! Ask her questions, chit chat with her, tell her funny stories, probe her opinions on subjects. Be interested in what she is saying rather than her amazing figure.

Good luck! And, if you do approach a 10 today, pat yourself on the back my friend. You just joined the smallest group of men on earth those willing to go for what they really want and deserve out of life!

Stephen Nash

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All That You Need About Bad Credit Unsecured Personal Loans UK Irrespective of the fact that we have a good or bad credit score, financial requirements may arise unannounced. In such a situation, what mostly happens is that we are not prepared for the urgent need that arises out of the blue. So in case you have bad credit but need money, then you can choose bad credit unsecured personal loans UK.

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Differences Between FERS/CSRS Disability Retirement and OWCP The rabbit had been able to elude the fox, hopping safely into the arms of a briar patch and out of the immediate reach of the hungry predator. Seeing that he would not be able to have the rabbit for a meal, he decided instead to show concern. Are you alright, my friend? he asked, trying to put on an expression of empathy.

Quite well, thank you, replied the rabbit, still panting from the close call and looking to and from with suspicion.

Very well, then, said the fox, who began to walk away. He paused, turned around, and added, I promise not to try and harm you anymore.

Are you quite serious? asked the rabbit, surprised at this sudden announcement.

Quite serious, the fox replied, then walked away. As he walked, he uttered under his breath, At least — not for today.

– From More Fables, Ancient and New

At least once a month, I receive a call from an individual who has been on total disability with Federal Worker s Comp for several years. The individual has been separated from service from the Federal Government or the Postal Service for more than a year, and suddenly the Office of Workers Compensation Program sends the individual to a Second Opinion doctor, and thereafter issues a declaratory finding that he or she is no longer disabled, and can return to work.

– Not only has that individual lost his OWCP benefits, but he has also lost his right to file for disability retirement under FERS or CSRS.

This is because, under the rules and regulations for disability retirement, an individual must file with the Office of Personnel Management within one year from the date he or she is separated from Federal Service (See 5 C.F.R. Sec. 844.201(a)(1) , where it states that, “Except as provided in paragraphs (a)(3) and (a)(4) of this section, an application for disability retirement is timely only if it is filed with the employing agency before the employee or Member separates from service, or with the former employing agency or OPM within 1 year thereafter”).

Thus, a word of caution for those many individuals who receive the non-taxable payments from OWCP — continue to remain on OWCP for as long as possible, because it is certainly financially advantageous over the taxable annuity amount received from FERS/CSRS disability retirement — but always remember that OWCP is not a retirement system. If they don t cut your payments off today, there is always tomorrow (refer to the fox in the fable, above).

I always advise my disability retirement clients who are receiving OWCP benefits to remain on OWCP for as long as they can stand it (i.e., the persistent harassment, the constant oversight by so-called “2nd opinion doctors”, etc.) — but to always have the FERS/CSRS disability retirement annuity approved as a back-up source of income. Individuals may file for disability retirement concurrently while on OWCP — but you simply cannot collect from both at the same time (See 5 C.F.R. Sec. 844.105, “Relationship to workers’ compensation. (a) Except as provided in paragraph (b) of this section, an individual who is eligible for both an annuity under part 842 or 844 of this chapter and compensation for injury or disability under subchapter I of chapter 81 of title 5, United States Code (other than a scheduled award under 5 U.S.C. 8107(c)), covering the same period of time must elect to receive either the annuity or compensation.”).

Thus, when OWCP terminates your payments (and there is a very good chance that this will happen at some point in the near future), it is a wise option to have your disability retirement benefits approved, but held in an inactive status. You have every right to elect one benefit over the other. Indeed, if you wanted to, you are allowed to go back and forth between OWCP and FERS/CSRS disability retirement.

As a secondary issue on this matter, take a close look at 5 U.S.C. Section 8106 on partial disability , and compare that definition with the definition for disability retirement. In Section 8106 (OWCP), the definition states in paragraph (c) (2) that A partially disabled employee who refuses or, neglects to work after suitable work is offered to, procured by, or secured for him, is not entitled to compensation. This means that if OWCP secures a job for you as a Walmart greeter (you know, those individuals who smile and say hello to you as you walk into the Walmart Superstore), and pay you the difference between your salary and what Walmart pays — and you decide to say no , OWCP has every right to cut off your payments.

On the other hand, under the laws concerning FERS & CSRS disability retirement, 5 C.F.R.Sec. 844.103 (a)(2) states that, in order to be eligible for disability retirement, the individual “must, while employed in a position subject to FERS, have become disabled because of a medical condition, resulting in a deficiency in performance, conduct, or attendance, or if there is no such deficiency, the disabling medical condition must be incompatible with either useful and efficient service or retention in the position.”

The difference here is that, under OWCP, if you are ‘partially disabled’, if you are offered any job that OWCP believes you can do, you must accept it. On the other hand, under FERS/CSRS disability retirement laws, if you are partially disabled — meaning that you simply cannot do at least one or more of the essential elements of your job — then you are entitled to disability retirement benefits, and your agency or the Postal Service cannot simply offer you any job; they must offer you a job in the same pay or grade, and one in which you are qualified or, if you are in the Postal Service, then it must an accommodation in the same craft.

Under the former (OWCP), you have no control over your future (OWCP determines your future); under the latter (disability retirement), you can obtain disability retirement benefits, and then take control of your future and work at another job of your choice, and make up to 80% of what your (former) position pays, and still continue to receive your disability annuity.

Experiencing a medical disability is a traumatic, life-changing event. Financial concerns are always part of this life-changing event, and it is important to secure one’s financial future to the greatest extent possible. Obtaining disability retirement — both the annuity as well as the health insurance benefits — is often the difference between a secure future and financial poverty. It is therefore extremely important to look upon disability retirement as a lifetime investment — one which must be obtained with an aggressive plan and approach.

I am an Attorney who represents Federal and Postal workers from all across the United States, including Alaska, Hawaii and Puerto Rico. I do not charge for telephone consultations. If you would like to contact me, you may call me at 1-800-990-7932, or email me at DisabilityAtty@msn.com. My ad also appears weekly in the Federal Times.

Robert R. McGill, Esquire DisabilityAtty@msn.com