You are now a week into the diet and will probably be tired and hungry. Day seven starts with no breakfast, just a cup of tea without sugar. It gets worse with no lunch, just lots and lots of water. You do get to eat something in the evening, but only 200 grams (7.1oz) of lamb and one apple. Day eight is a little easier, but you still go without breakfast and only drink a coffee with one sugar. Day eight is the same as day one: two hard boiled eggs with 400 grams (14oz) of boiled spinach and a tomato for lunch. In the evening you can eat 200 grams (7.1oz) of beef with 150 g (2 cups) of lettuce. You can add a little lemon juice and olive oil to the lettuce for extra flavour. On day nine you continue to skip breakfast, just drinking a coffee with one sugar. At lunch time you are permitted to eat 250 grams (8.8oz) of lean ham along with one pot of natural yoghurt. For dinner you can eat a little more than the previous evening: 250 grams (8.8oz) of beef with 150 g (2 cups) of lettuce. On day 10 you have one slice of bread with your coffee for breakfast, the first solid breakfast since day six. Lunch is two hard boiled eggs together with 100 grams (3.5oz) of ham and some lettuce on the side. The food for the evening the same as day three, just one tomato, some boiled celery and one serving of fruit. The end is almost in sight, and you will no doubt be feeling the strains of such a severely restrictive diet. On day 11 stick with a coffee and one slice of bread for breakfast. For lunch eat one pot of natural yoghurt and drink 200 milliliters (6.8floz) of orange juice. Day 11 is the same as day four and for dinner you again eat one hard boiled egg, one carrot and one serving of cottage cheese. On day 12, have just one carrot for breakfast, before eating 200 grams (7.1oz) of boiled fish for lunch. You can add a little butter and lemon juice to the fish. For your dinner eat 250 grams (8.8oz) of beef with some celery on the side. On the final day start with the familiar breakfast of one cup of coffee with a slice of toast. For lunch you can eat two hard boiled eggs along with one carrot. On the last day the diet advises you to skip the evening meal altogether.

Summary: Continue with days seven and eight. Keep going for days nine and 10. Push on to days 11 and 12. Finish on day 13.

This person goes first and may play a single, double, triple other combo as long as the 3 of Spades is included. For example: 3-4-5, double 3s, etc., will work fine.The next person will try to beat the previous person's hand. If this isn't the first game, then the winner of the previous game goes first. Play the same type of card. For example, if the player before you places a pair on the table, you have to play a pair that has a higher value than that pair. If the person plays a single, then you must play a higher ranked single. The turn will go to the next person. Once you skip, you cannot play another card until the round finishes. If everyone skips, the last person who didn't play a card can play any card he or she wants. If you have three pairs, or something greater like four of a kind, now is the time to play them. (Remember you want to get rid of as many cards as possible.) A bomb refers to four of a kind. To get rid of your cards, you could play a set of six that forms a triple straight (e.g. 3, 3, 4, 4, 5, 5) or four of a kind. Four of a kind beats all triple straights, which is beaten by a higher ranking four of a kind sequence. So, four aces would beat by four kings. When you play cards with such a high value that no one can beat, nearly everyone has to skip. Runs and straights cannot contain 2s even though they are the highest cards. If no one can beat the high cards that you are playing, then you can play the cards you want since no one can beat them even if they are not the highest cards -- or even a bomb. You could play a pair of the highest twos, for example. Once you have played all your cards except for your last one, you should declare your last card to the group. Remember that you can only play a single on top of another single. However, you also could end the game with a pair, triple or straight. No matter how many cards are in your hand, always try to get rid of them as quickly as possible. So, think in terms of pairs, triples the game may end on a double or straight card play. Try to be the first one out of cards, as this is how you win the game.

Summary: Identify who has the 3 of spades. Place a higher card, pair or triple than the player before you. Skip if you cannot place a higher card on the table. Bomb the pile. Play whatever type of hand you want. Declare that you're on your last card.

There are several different types of mutual funds available, each of which has a different level of risk. Even if you are a relatively conservative investor, you still may want to add one or two higher-risk funds. A diversified basket of mutual funds that meets your overall preferred level of risk allows your portfolio to experience some growth rather than merely preserving your capital. Within your overall investment account, you want to reserve at least 5 percent of your assets in cash so you can take advantage of opportunities as they arise. Money market funds generally have the lowest risk level. Stock funds and bond funds are generally higher risk funds. Target date funds carry a mix of investments and are best if you have a specific retirement date in mind. Before you start buying shares in mutual funds, you need a good understanding of the types of funds available, the possible returns associated with those funds, and the expenses involved. You can learn a lot about mutual funds by reading on the internet, especially at the website of the U.S. Securities and Exchange Commission (SEC), which regulates mutual funds. You also can download a complete consumer guide to mutual funds at https://investor.gov, which will walk you through all the details of the market generally and provide guidance on investing wisely. Online ratings services, such as Lipper or Morningstar, offer risk assessments for each mutual fund. Compare these to the risk tolerance you've established to decide which mutual fund is right for you. These services also detail all fees and charges related to each mutual fund. These expenses can eat into your returns significantly, so you need to research each fund carefully before you commit any money. Look beyond the name of a fund. Just because a fund carries the name of a particular bank may not mean that bank still runs that fund. A fund called a "stock fund" may carry other investments besides corporate stock. While investing in an actively-managed fund will give you more flexibility, you likely will pay higher fees to an investment manager. Passive investment in index-based funds may be a better option for you if you are new to investing. Index-based funds typically have lower fees than actively-managed funds, but they also run the risk of underperforming once you take fees and taxes into account. Generally, investing in mutual funds will be more satisfying if you plan to hold your shares for five years or longer. The longer you hold your shares, the better your chance of a decent investment return. Some funds offer several different share classes, typically A, B, and C classes. Each class has a different fee structure. The length of time you plan to hold your shares can help you determine which share class is most appropriate for you.
Summary: Determine your risk tolerance. Research the market. Visit financial websites. Choose an active or passive investment strategy. Decide how long you plan to hold your investments.