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be made up, in the future, by the rising value of the underlying asset the home and land beneath it In a low-mortgage-rate environment, such as the one that Americans enjoyed in the late 1990s and the start of the 2000s, the bar for meeting this challenge was relatively low But when it comes to relatively bad forms of debt revolving debt on department store charge cards, or credit cards, and even car loans it s a different story Credit card interest payments, for instance, are not deductible Credit card companies also tend to charge among the highest interest rates around Typically, that means a rate that starts o around 14 to 16 percent but that gets jacked up to as much as 21 or 24 percent if you re late with payments or exceed your spending limit In addition, credit card debt helps you spend, not invest In the end, everything that is purchased through plastic clothes, furniture, vacations, electronics, etc lessens in value over time On the other hand, homes appreciate over time as do stocks (for the most part) and bonds and other investments such as precious metals like gold or silver The fact is, credit card debt will work against you as an investor Think about it: When you invest in the stock market, your goal is to earn 8 or 10 percent on your money or more a year over time But what good is it to invest, say, $25,000 earning 8 percent a year if you owe $25,000 on credit cards charging 21 percent interest No matter how successful you might be in picking stocks and other investments, you will invariably fall deeper into the hole under this scenario, which is why you should pay o that debt rst Here s another way to think about it: Paying o a credit card charging 21 percent a year is a form of investing It is the equivalent of owning a stock portfolio that grows 21 percent a year The only di erence is, instead of growing your nest egg, you are ensuring that it does not keep shrinking over time Even better, there is absolutely no risk in paying o credit card debt In fact, you wind up lowering your overall nancial risk by paying o debt, since it improves your credit score and frees up money for other, more productive uses Investing, on the other hand, comes with all sorts of risks The question you have to ask yourself is: What are the chances of earning credit-card-like interest rates say, 21 percent in the stock, bond, or real estate markets in any given year Despite our experiences in the late 1990s, the answer is slim And what are the odds of earning 21 percent in the stock, bond, or real estate market risk-free The answer to that is zero Unfortunately, most investors don t get this Though the majority of us are investors, the average American household carries credit card balances of around $9,000, spread out over more than 14 di erent credit cards That means that, even though many Americans are investing, they re creating vicious cycles for themselves by.



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A Smaller Image also includes sharpness, brightness, and contrast controls, an optional graphic border for your images, and a simple text tool for adding captions If you frequently resize photos for email, the Web, or printing, A Smaller Image is a very handy tool

Part II:

JavaScript slider directly (without the aid of JSF), the page author is responsible for writing a significant amount of JavaScript code in the body of the HTML page per usage:

<div id="slider1"> <!-- slider goes here --> </div> <script> var slider1 = documentgetElementById("slider1"); slider1appendChild(JSSlidergetInstance("slide2", false, 10, 300, 0, undefined, undefined, "valChangeHandlerslide", false)render()); function valChangeHandlerslide(newStartPercent0To100, newEndPercent0To100) { var slideVal = Mathround(100*newStartPercent0To100/100); documentgetElementById("textinput1")value = slideVal; } </script>

Before you invest in real estate, make sure you understand the following:

This code is used to apply a slider value to a single HTML text input field with an ID of textinput1





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Though the process varies from one program to another, attaching one or more images to an email message really isn t hard The basic procedure is this: Drag and drop an image file directly into your open email message, or use a menu option to insert a file into the message Almost all mail software uses the paperclip icon as a standard symbol to represent an attachment to your message, so look for that button and use it to specify files for inclusion in your email (see Figure 16-3) If you re sending an image to a Windows 95/98/Me user, almost any file format is fair game (but JPG is probably best since the files are so small) I recommend that you send Mac users files in TIF or JPG format, and Windows 31 users should get BMP or JPG files Since JPG is a very efficient file format for sending photographic images, you re best off sending images in JPG format exclusively

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In addition to the JavaScript code being added to the body of the HTML page, any JavaScript functions referred to by this code, such as valChangeHandlerside( ), must also be added to the HTML page You can imagine how complex the HTML page could get, especially if multiple sliders are needed in the page! This is where a custom JSF component proves to be very useful as the usage of a JSF slider component, which encapsulates the same slider JavaScript code so the page author doesn t have to deal with it, can be as simple as:

As you can see, JSF makes usage of the JavaScript slider much easier In general, JavaScript encapsulation in JSF components makes rich client/AJAX Web development for the page author extremely easy, as we ll also see in the next chapter Here is the code for a custom JSF slider component Again, this example will use a single UI component with its rendering code embedded inside of it

package comjsfcomprefcomponentscomponent; // Import statements omitted public class SliderInput extends UIComponentBase { public SliderInput() { setRendererType(null); // This component renders itself } String String String String maxval = "100"; forid = null; horizontal = "true"; length = "300"; // default // default // default

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public void encodeBegin(FacesContext context) throws IOException { if (getAttributes()get("maxval") != null) maxval = (String)getAttributes()get("maxval");

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