The net attack is the heavy artillery of tennis. It is supposed to crush all defence. As such it must be regarded as a point-winning stroke at all times, no matter whether the shot is volley or smash.

Once at the net hit from the point at the first opportunity given to get the racquet squarely on the ball. All the laws of footwork explained for the drive are theoretically the same in volleying. In practice you seldom have time to change your feet to a set position, so you obviate trouble by throwing the weight on the foot nearest to the ball and pushing it in the shot.

Volleys are of two classes: (1) the low volley, made from below the waist; and (2) the high volley, from the waist to the head. In contradistinction to the hitting plane classification are the two styles known as (1) the deep volley and (2) the stop volley.

All low volleys are blocked. High volleys may be either blocked or hit. Volleys should never be stroked. There is no follow through on a low volley and very little on a high one.

You will hear much talk of "chop" volleys. A chop stroke is one where the racquet travels from above the line of flight of the ball, down and through it, and the angle made behind the racquet is greater than 45 degrees, and many approach 90 degrees. Therefore I say that no volleys should be chopped, for the tendency is to pop the ball up in the air off any chop. Slice volleys if you want to, or hit them flat, for both these shots are made at a very small angle to the flight-line of the ball, the racquet face travelling almost along its plane.

In all volleys, high or low, the wrist should be locked and absolutely stiff. It should always be below the racquet head, thus bracing the racquet against the impact of the ball. Allow the force of the incoming shot, plus your own weight, to return the ball, and do not strive to "wrist" it over. The tilted racquet face will give any required angle to the return by glancing the ball off the strings, so no wrist turn is needed.

Low volleys can never be hit hard, and owing to the height of the net should usually be sharply angled, to allow distance for the rise. Any ball met at a higher plane than the top of the net may be hit hard. The stroke should be crisp, snappy, and decisive, but it should stop as it meets the ball. The follow through should be very small. Most low volleys should be soft and short. Most high volleys require speed and length.

The "stop" volley is nothing more than a shot blocked short. There is no force used. The racquet simply meets the oncoming ball and stops it. The ball rebounds and falls of its own weight. There is little bounce to such a shot, and that may be reduced by allowing the racquet to slide slightly under the ball at the moment of impact, thus imparting back spin to the ball.

Volleying is a science based on the old geometric axiom that a straight line is the shortest distance between two points. I mean that a volleyer must always cover the straight passing shot since it is the shortest shot with which to pass him, and he must volley straight to his opening and not waste time trying freakish curving volleys that give the base-liner time to recover. It is Johnston's great straight volley that makes him such a dangerous net man. He is always "punching" his volley straight and hard to the opening in his opponent's court.

A net player must have ground strokes in order to attain the net position. Do not think that a service and volley will suffice against first-class tennis.

Strive to kill your volleys at once, but should your shot not win, follow the ball 'cross and again cover the straight shot. Always force the man striving to pass you to play the hardest possible shot.

Attack with your volleys. Never defend the ball when at the net. The only defensive volley is one at your feet as you come in. It is a mid-court shot. Volleys should win with placement more than speed, although speed may be used on a high volley.

Closely related to the volley, yet in no way a volley stroke, is the overhead smash. It is the Big Bertha of tennis. It is the long range terror that should always score. The rules of footwork, position, and direction that govern the volley will suffice for the overhead. The swing alone is different. The swing should be closely allied to the slice service, the racquet and arm swinging freely from the shoulder, the wrist flexible and the racquet imparting a slight twist to the ball to hold it in court. The overhead is mainly a point winner through speed, since its bounce is so high that a slow placement often allows time for a recovery.

Do not leap in the air unnecessarily to hit overhead balls. Keep at least one foot, and when possible both feet, on the ground in smashing, as it aids in regulating the weight, and gives better balance. Hit flat and decisively to the point if desired.

Most missed overhead shots are due to the eye leaving the ball; but a second class of errors are due to lack of confidence that gives a cramped, half-hearted swing. Follow through your overhead shot to the limit of your swing.

The overhead is essentially a doubles shot, because in singles the chances of passing the net man are greater than lobbing over his head, while in doubles two men cover the net so easily that the best way to open the court is to lob one man back.

In smashing, the longest distance is the safest shot since it allows a greater margin of error. Therefore smash 'cross court when pressed, but pull your short lobs either side as determined by the man you are playing.

Never drop a lob you can hit overhead, as it forces you back and gives the attacking position to your opponent. Never smash with a reverse twist, always hit with a straight racquet face and direct to the opening.

Closely connected to the overhead since it is the usual defence to any hard smash, is the lob.

A lob is a high toss of the ball landing between the service-line and the baseline. An excellent lob should be within 6 feet of the baseline.

Lobs are essentially defensive. The ideas in lobbing are: (1) to give yourself time to recover position when pulled out of court by your opponent's shot; (2) to drive back the net man and break up his attack; (3) to tire your opponent; (4) occasionally to, win cleanly by placement. This is usually a lob volley from a close net rally, and is a slightly different stroke.

There is (1) the chop lob, a heavily under-cut spin that hangs in the air. This, is the best defensive lob, as it goes high and gives plenty of time to recover position. (2) The stroke lob or flat lob, hit with a slight top spin. This is the point-winning lob since it gives no time to, the player to run around it, as it is lower and faster than the chop. In making this lob, start your swing like a drive, but allow the racquet to slow up and the face to tilt upward just as you meet the ball. This, shot should seldom go above 10 feet in the air, since it tends to go out with the float of the ball.

The chop lob, which is a decided under cut, should rise from 20 to 30 feet, or more, high and must go deep. It is better to lob out and run your opponent back, thus tiring him, than to lob short and give him confidence by an easy kill. The value of a lob is mainly one of upsetting your opponent, and its effects are very apparent if you unexpectedly bring off one at the crucial period of a match.

In the United States, more credit scores means higher opportunities. You are considered lucky if you obtain and maintain high credit scores compared to those who have incurred no credits at all. It is a popular belief that having high credit scores denotes to being fully responsible with handling your finances. Moreover, good credit scores also equates to keeping up your integrity. To sum it all, high credit score equals good reputation.

Who do not want to earn a good reputation? If you are most likely to apply for any credit program and you wish to see an "approved" mark on your application sheet, then you must avoid the following:

1. No Credit Score.

Having no credit score at all denotes that lending institutions will not have any basis on how you handle your finances even if you are good at it. The credit scores are lending institutions determinant to get you approved with your credit request since they cannot gauge your financial history through:

? Race and origin. Lending institutions will not approve your credit request because you are white or black or you are from the United States or from the European countries.

? Type of employment and salary. Even if you are a janitor and yet incurred high credit scores, then your loan application might be approved over a company manager who has zero credit score.

? Education. Whether or not you have obtained a college degree it does not matter, what matters is a high credit score.

Lending institutions cannot measure approval of your credit request into your religion, age and marital status. This is due to its being subjective. The Equal Credit Opportunity Act sees that the most objective determinant is through looking at credit scores.

Through credit scores, lending institutions will get familiar with your financial background. They will find out the previous and present loans you have, the down payments you have doled out, the interest rates you choose, and most importantly the payment scheme that you have established.

2. Low credit scores.

The average credit score in US is somewhere between 580 and 650. There are major institutions in the US who determines if you are suitable to be given credit. Equifax, Trans Union and Experian are major institutions who compute for borrower's credit score. All three have their own distinct computing system yet still adheres with the national average credit score.

If your credit score falls below the standard credit score, then you are highly prone to seeing your credit applications with "disapproved" marks.

Having credit is not bad after all; it will look appalling if you have been immature on handling such matters. A credit card may be handy for most of the time especially when cash is not readily available. Additionally, others find credit cards safe to bring than stocking cash in your wallet.

Loans, on the other hand are equally important as credit cards especially for those individuals who aspire to have properties which they cannot immediately pay.

With the significance of having cash substitute in the form of credits, it is helpful to get good if not high credit scores. There is nothing wrong with getting high credit scores; all you need to do is be responsible in handling your finances. By doing so, credit will not be a nuisance but will serve as a great aid to you.

Planning a bachelorette party is one of the easiest parts of a wedding to plan. There are literally hundreds of ideas for things to do and a myriad of options for games. Many of those ideas are a bit on the racy side, but there are plenty that that are just plain clean fun.

For example, one popular bachelorette game involves asking the guests to become poets. Ahead of the party, take 50 index cards and on half, write romantic things, like "roses", "cuddly", etc. On the other 25 cards, write very non-romantic words or phrases, like "nose hairs" or "ironing". Then have each guest draw one card from each pile. They should then create a silly poem based on the two very different words or phrases they have chosen, for example, "Roses are red, your nose hairs are ewwwww."

One fun game that is sure to engender at least a few laughs is "name that item". Take a paper bag (a fabric bag is better if you have one) and fill the bag with typical "male items". The items might include a razor, a money clip, a tie, shoe polish, etc. Seal the bag, or fold it over really well. Then have each guest feel the bag and try to guess the contents. Have them write their guesses on a piece of paper. After everyone has had a chance to feel the bag, the contents are shown and the person with the most number of correct guesses gets the bag of male-oriented items.

Here's a fun idea. This game might take the whole of the bachelorette party, but it's a fun one that involves all the guests, helps them get to know one another and provides video proof you all had a good time. You need video cameras for this game, so if the host only has one camera, be sure to ask guests to bring more video cameras. Make sure you also have enough blank tapes for this game.

Depending on the number of guests at the party, you'll divide the party into two or more groups. It's best to divide the group into teams small enough so that the whole team can get into one car. So you'll have maybe five women on each team. You'll give each team a video camera, blank videotapes and a list of "scavenger hunt" type activities they must perform and tape.

Some video scavenger hunt ideas include having a complete stranger sing the national anthem, having a member of the team sing "I wish I were an Oscar Meyer hot dog" in the meat section of the grocery store and taping a stranger who can do a good impersonation of John Wayne.

The teams should be given a specific amount of time in which to complete their assigned tasks and then return to the party location (ideally, a home, in this case). The videos are viewed and the teams vote on the team that did the best. Bonus points are given for the team that creates their own stunts.

Bachelorette party games are not only designed to bring fun to the party, but sometimes to help people get to know one another. This might be a good opportunity for the bride's best friend to get to know the sister of the groom, or for the bride to get close to the groom's cousin or niece. So an icebreaker game isn't a bad idea.

This isn't perhaps the most intellectual of an icebreaker game, but it will likely break the ice early in the evening before you head out to other events. Play a game called "I never…" and see who takes the most drinks. So the first woman says, "I never…" and completes the sentence. The women who have done the thing the first woman says she's never done take a drink. Then the next woman claims to have "never" done something.

Some suggestions for this game are: "I never …"
*Lied about my age
*Lied about my weight
*Shoplifted
*Got a speeding ticket
*Ran naked through my house