Are anabolic steroids real baddies

You’ll be utterly ignoring the good aspects of anabolic steroids, if you call them “baddies”. Certainly, anabolic steroids are neither wholly bad nor utterly good. These drugs are blend of good and bad!

Anabolic steroids are the drugs derived from testosterone, male sex hormone. Testosterone is potent androgenic steroid hormone, which is primarily secreted in the testes of males and the ovaries of females, but a small amount of testosterone is also secreted by the adrenal glands. Testosterone, the male sex hormone, is an anabolic steroid. It plays key roles in health and well-being of both males and females. It is responsible for libido, energy, immune function, and protection against osteoporosis.

On average, an adult human male produces about eight to ten times more testosterone than an adult female body. The hormone is responsible for the development of male secondary sex characteristics. The level of testosterone goes down when a person ages or grows old. Thus, anabolic steroids are often recommended as part of a regimen for the aging men and women. Anabolic steroids helps in maintaining good testosterone levels in aging men and women and help in restoring their strength and good health.

Anabolic steroids are the drugs having a number of androgenic and anabolic properties. Thus, anabolic Steroids are widely used for treating several medical conditions, such as, hypogonadism, delayed puberty, and some types of impotence. They are also used against several chronic wasting diseases, such as AIDS and Cancer.

Anabolic steroids are mainly available in three forms - oral steroids in form of pills, injectable steroids in form of injections or shots, and anabolic steroid creams and gels. Anabolic steroids are widely abused as performance enhancing drugs. These drugs are commonly abused by bodybuilders, weightlifters, athletes, and jocks. They are also used by young boys, girls, and teenagers for various cosmetic reasons.

However, anabolic steroids have often been linked with a number of serious side effects and several health risks. Some of the side effects associated with anabolic steroids include – premature balding or hair loss, dizziness, mood swings (anger, depression and aggression), hallucinations, extreme feelings of mistrust or fear, sleeping problems, vomiting and nausea, trembling, high blood pressure, aching joints, jaundice, liver damage, urinary problems, shortening of the final adult height, increased risk of developing heart disease, and strokes. Anabolic steroids also cause some gender specific side effects. Side effects of anabolic steroids in males include — reduced sperm count, increase in nipple and breast size, impotence, and enlarged prostate. Side effects of anabolic steroids in females include — reduced breast size, increase in facial and body hair, menstrual problems, and deepened voice.

Pain relief medication and addiction

Pain and pain relief medication are two things that everyone is going to end up having to deal with. Everyone feels pain, which is among the many natural responses the body has that serve as a way to keep a person from doing something inexplicably stupid. However, pain is also something that most people don't want to have to deal with, especially if the pain is chronic and gets in the way of performing daily tasks. Pain relief medication gives a reprieve from such problems, though these drugs can sometimes have a negative effect of their own on the body. Even if the pain relief medication being used isn't derived from opium, medications of this sort can still become highly addictive.

Everyone is at risk when it comes to becoming addicted to pain relief medication, but not everyone is going to develop a problem. For the most part, the most narcotic pain killers (such as morphine, opium, and heroin) are easily the most addictive, but are also the ones that people are least likely to be exposed to. Morphine is usually used as a last resort by most doctors, particularly with non-narcotic alternatives already available. There are other instances where morphine might be used, though these are usually cancer patients and those who are undergoing post-surgery treatment. The doses of morphine for these people are usually in small amounts, which may or may not be enough to develop a physical or psychological addiction to the effects. In these cases, it often comes down to a matter of tolerance to the drug.

According to studies, the people who are at the highest level of risk are the ones that have become addicted to substances before. Former opium abusers are more likely to develop an addiction to morphine, while former morphine users have a lower tolerance for the effects of heroin. However, it does not always have to come down to derivatives of opium. Statistics show that even if the previous addiction was unrelated to pain relief medication, the risks were still increased by a noticeable amount. Family members who have become addicts in the past also apparently increase the risk of addiction in an individual, though it is unknown if this is caused by an inherited genetic trait or if “families of addicts” are more a product of nurture than nature.

Withdrawal is just as bad as the addiction itself, particularly if the drug was an opioid. The body undergoes the standard symptoms of undergoing withdrawal from a narcotic substance. For example, the early stages are easily characterized by an overwhelming inability to perform the simplest tasks or endure even small amounts of stress without some amount of the drug in their system. The body sometimes goes into a state of prolonged shock if deprived of the drug, with shivering, palpitations, excessive sweating, and occasional muscle spasms being part of the package. The psychological impact is also notable, especially since pain relief medication addiction can linger in the mind far longer than it does in the body.

The dick van dyke show dvd review

In the Fall of 1961, CBS first aired The Dick Van Dyke Show, one of funniest sitcoms in television history. Similar to I Love Lucy, but featuring more docile and less eccentric characters, the show became a mainstay in the top 10 Nielsen ratings for its first four seasons. When the show's ratings slipped in the fifth season, the network cancelled the show. But in the four decades since, The Dick Van Dyke Show has continued to entertain its fans and their children (and their children's children) via syndicated re-runs…

The Dick Van Dyke Show is centered around the life of Rob Petrie (Dick Van Dyke), a family man living in suburban New York. As the head writer for the fictional "Alan Brady Show," he works with co-writers Buddy Sorrell (Morey Amsterdam) and Sally Rogers (Rose Marie). Rob's work life is always interesting given Buddy's constant wisecracks, Sally's never-ending search for a husband, and the trio's unified harassment of Alan Brady's brother-in-law, Mel Cooley (Richard Deacon). At home, Rob's loving yet overly-nervous wife Laura (Mary Tyler Moore) stays at home with the couple's son Ritchie (Larry Mathews). Surrounded by all these unique characters, Rob is always embroiled in someone's scheme, fantasy, or shenanigan…

The Dick Van Dyke Show DVD features a number of hilarious episodes including the season premiere "The Sick Boy and the Sitter" in which Rob convinces Laura to go to a party at Alan Brady's house, despite the fact that their five-year-old son Ritchie is sick. The two get a babysitter, but Laura's maternal instincts don't disappear… Other notable episodes from Season 1 include "Jealousy" in which Laura grows jealous of Rob's work relationship with a beautiful TV star, and "Where Did I Come From?" in which Ritchie asks Laura and Rob about his origins, and they struggle to come up with the right answer…

Below is a list of episodes included on The Dick Van Dyke Show (Season 1) DVD:

Episode 1 (The Sick Boy and the Sitter) Air Date: 10-03-1961

Episode 2 (The Blonde-Haired Brunette) Air Date: 10-10-1961

Episode 3 (Sally and the Lab Technician) Air Date: 10-17-1961

Episode 4 (Washington vs. the Bunny) Air Date: 10-24-1961

Episode 5 (Oh We Met the Night That We Danced) Air Date: 10-31-1961

Episode 6 (Harrison B. Harding of Camp Crowder, Mo.) Air Date: 11-06-1961

Episode 7 (Jealousy!) Air Date: 11-07-1961

Episode 8 (To Tell or Not to Tell) Air Date: 11-14-1961

Episode 9 (The Unwelcome Houseguest) Air Date: 11-21-1961

Episode 10 (The Meershatz Pipe) Air Date: 11-28-1961

Episode 11 (Forty-Four Tickets) Air Date: 12-05-1961

Episode 12 (Empress Carlotta's Necklace) Air Date: 12-12-1961

Episode 13 (Sally is a Girl) Air Date: 12-19-1961

Episode 14 (Buddy, Can You Spare a Job?) Air Date: 12-26-1961

Episode 15 (Where Did I Come From?) Air Date: 01-03-1962

Episode 16 (The Curious Thing About Women) Air Date: 01-10-1962

Episode 17 (Punch Thy Neighbor) Air Date: 01-17-1962

Episode 18 (Who Owes Who What?) Air Date: 01-24-1962

Episode 19 (The Talented Neighborhood) Air Date: 01-31-1962

Episode 20 (A Word a Day) Air Date: 02-07-1962

Episode 21 (The Boarder Incident) Air Date: 02-14-1962

Episode 22 (Father of the Week) Air Date: 02-21-1962

Episode 23 (The Twizzle) Air Date: 02-28-1962

Episode 24 (One Angry Man) Air Date: 03-07-1962

Episode 25 (Where You Been, Fassbinder?) Air Date: 03-14-1962

Episode 26 (I Am My Brother's Keeper) Air Date: 03-21-1962

Episode 27 (The Sleeping Brother) Air Date: 03-28-1962

Episode 28 (The Bad Old Days) Air Date: 04-04-1962

Episode 29 (Sol and the Sponsor) Air Date: 04-11-1962

Episode 30 (The Return of Happy Spangler) Air Date: 04-18-1962

Team record under 500-no problem in the nbs

This year in the NFL, where even the Wild Card teams sported a .688 winning percentage, the Kansas City Chiefs were left out of the post-season tournament after going 10-6 (.625). Major League Baseball saw the San Diego Padres win their division and earn a 2005 playoff berth with a .506 winning mark, but they were an anomaly. This season all other MLB playoff teams won 90 or more of the 162 games they played. Over the past five years 98% of the baseball teams that have been playoff bound have won 90 (.556) or more games and none have had losing records. The NBA is different.

In the 2003-04 NBA Playoffs four of the eight Eastern Conference teams that had the honor of making the second season earned records of .500 or below. In the Atlantic Division, the 8th seed Boston Celtics, one of the most winning franchises in professional sports history, touted a 36-46 (.439) record as they headed into the playoffs. At 39-43 (.476) the New York Knicks weren’t much better. In the Central Division, New Orleans and Milwaukee, 5th and 6th seeds respectively, finished at .500.

The next year no sub-500 teams were in the tournament but New Jersey, the 7th seed with a 43-39 (.524) mark, and Philadelphia, the 8th seed compiling a 42-40 (.521) record, were marginal. This year, as we approach the mid-way point of the professional hoop season, it’s clear that there’s a good chance that as many as four sub-500 teams--25% of the playoff mix--will be shooting threes and banging the boards in the post-season.

The Milwaukee Bucks, the current 6th seed, are 19- 18 (.514); the Philadelphia 76ers, which hold the 7th seed, are 18-20 (.474); and the Washington Wizards, the potential 8th seed are 17-20 (.459). Washington will probably have some stiff competition for that final Eastern Conference position from the 16-22 Chicago Bulls, the 15-23 Boston Celtics, and the 14-22 Orlando Magic.

Although the Western Conference has traditionally been exempt from this dilemma, this year is different. The current 8th seed, the Utah Jazz, is one game above .500 and there are at least three other teams--Minnesota, Golden State, and New Orleans/Oklahoma City-- with more losses than wins that are in contention for that spot.

Certainly a system that’s geared towards making the league competitive has its benefits to owners, players, and fans. While teams continue to stay in the mix, this system has the potential to keep hometown fans interested. However, the system leads to inferior teams making it into a post-season where they don’t have a chance to compete.

There are a few reasons why the NBA has this problem. However the major reason is, quite simply, money. The NFL has long had a salary cap; the NHL has just instituted one; and MLB has created a half-hearted attempt at one. The theory behind an effective salary cap, such as the type the NFL and NHL have instituted, is that when teams are allowed to only spend a certain amount of money they will be forced to spend it wisely--doing their best to build a competitive team. The other way a salary cap works is that it prohibits one or two teams from paying exorbitant amounts of money to hire all of the stars, thus leveling the playing field. (This is why the MLB salary cap doesn’t really work; it doesn’t do this and is not a true cap. It’s more of a salary visor.)

Now this may surprise you-- the NBA also has a salary cap. This year it’s set at $49.5 million per team. However the NBA has a "soft" cap, a headband really, which translates into numerous loopholes allowing clubs to still break the bank when it comes to salaries.

Because of how it can be manipulated, the soft cap does very little to control spending. This can have some disastrous results for teams and the league. Some teams capture that one star player with a huge multi-year deal but then, because of their own budget limits, can’t afford to support him with role-players. And if that primary guy suffers a season ending injury, the entire team’s season is over.

Others with the deepest pockets find their way around the cap and scoop up two or three hallmark names, while teams with small bankrolls don’t have the power to attract the best talent. Then there are the organizations that spend money on young talent and that talent just doesn’t pan out. If a player has a big contract and he’s not performing, he’s impossible to trade, and he still has to be paid.

The fact is a salary cap is intended to negate exactly what is happening in the NBA; a soft cap is designed to simply get around the basic provisions and safeguards a salary cap offers.

The final result is an imbalance of power, which means you may have 16 playoff positions but you really only have 12 playoff teams. The last three or four slots are filled by non-competitive teams just because the spaces are there.

This year if the Celtics or the Sixers or the Jazz or any of the other clubs hovering around .500 make the post-season will anyone consider them worthy of being potential NBA champions? There’s one of two possible solutions for the NBA--a real salary cap or going to a 12-team playoff scenario.

Identity theft - straightening out your credit in the aftermath

FBI statistics reveal that identity theft is one of the fastest-growing crimes in the United States, with about 1 in 5 families in the U. S. being a victim of identity theft. Identity theft is obtaining another person's personal information (e. g., name, social security number, credit card number, passport) without that person's knowledge and using that information fraudulently. For someone who discovers they are a victim of identity theft, it is important to act fast. Here are some immediate steps to take in order to stop further misuse and to restore your good credit:

1. Contact the fraud departments of any one of the 3 credit reporting companies to place a fraud alert on your credit report. When a fraud alert is placed on your credit reports, creditors will contact you before opening any new accounts or making any changes to your existing accounts. You only need to contact one of the three companies to place an alert, and they are required to contact the other two, which will place an alert on their versions of your report, too. Once you place the fraud alert in your file, you're entitled to order free copies of your credit reports. When you receive them, check them over carefully for any new accounts that may have been opened without your authorization. Also be aware of any new inquiries by banks, lenders and credit card companies that you were not familiar with.

2. Report the crime to your local police or sheriff's department and request a police report.

3. Contact your creditors, banks, phone companies, and utility companies and have them freeze your accounts. Banks, credit card companies and other creditors may require a copy of your police report. You may be liable for a small sum of the fraudulent charges; check with each of your card issuers for their policies. Most creditors promptly issue replacement cards with new account numbers.

4. File a complaint with the Federal Trade Commission.

5. Monitor all bank and credit card statements and other bills carefully to ensure there are no fraudulent charges. If you find fraudulent checks or withdrawals on your bank account, notify the fraud department of your bank in writing immediately.

Stop payment on any missing checks and/or close your existing account. You can also notify the check verification companies not to accept further checks under the account number that was stolen. To find out if the identity thief has been passing bad checks in your name, contact SCAN @ 1800-262-7771.

If unauthorized credit card charges appear, notify your credit card company in writing without delay.

6. If you believe the theft involved your social security number, contact the Social Security Administration. They may re-issue a lost or stolen social security card or may, under some circumstances, give you a new social security number.

As you know, your credit rating is all important. Every precaution should be taken to protect your credit rating. Once you have your identity straightened out, you might consider registering with Equifax Credit Watch™. Equifax Credit Watch™ makes monitoring your report easy by automatically alerting you within 24 hours of key changes in your Equifax Credit Report™ - like when someone tries to get credit in your name or there are sudden changes in your credit card balances. - so you can act before serious damage is done.

Below are important phone numbers you will need for reporting your identity theft:

Credit Reporting Agencies:

Equifax 1800-525-6285

Experian 1888-397-3742

TransUnion 1800-680-7209

Federal Trade Commission Hotline:

FTC Hotline 1877-438-4338

Check Verification Companies:

Telecheck 1800-710-9898

Certegy 1800-437-5120

To find out if the identity thief has been passing bad checks in your name:

SCAN 1800-262-7771

Positive negative steroids effects

Steroids are synthetically created drugs derived from ‘testosterone,’ an androgen responsible for body growth, growth of sex organs, maturity, growth of body hair, and deepening of voice. Steroids effects are positive as well as negative. Actually, steroids effects are proportional to usage of steroids; the right usage has positive effects, and steroid abuse or over-dose has negative effects.

Steroids effects are positive when they are rightly used to treat disorders associated with the low secretion of testosterone in body. There are a number of positive steroids effects when they are medically used for purposes, such as bone growth stimulation, appetency, puberty, and muscle development. There are positive steroids effects when they are used in treating chronic wasting diseases, such as AIDS and cancer. Steroids also help in living healthy life in later years of life.

On the other hand, steroids effects are negative when they are abused or over used. Often, steroids are used as performance, stamina, and strength enhancing drugs by bodybuilders, weightlifters, athletes, and other sports persons. Steroids are used by young boys and girls for various cosmetic reasons.

Dr. Gary Wadler, Clinical Associate Professor of Medicine at the NY University School of Medicine, who is currently working for the World Anti-Doping Agency's (WADA), says, “Although there are many types of steroids with varying degrees of anabolic and androgenic properties, it's the anabolic property of steroids that lures athletes. They take them to primarily increase muscle mass and strength. The reason for that is that the side effects associated for the oral form were discovered to be especially worrisome for the liver. But the injectable steroids aren’t free of side-effects either. There is no free ride and there is a price to be paid with either form."

Steroid abuse and overdose may have several negative steroids effects on both male & female sexes. Some of the common negative steroids effects include wooziness, early loss of hair, sleeping troubles, nausea, depression, mood changes, joint pain, hallucinations, paranoia, urination problems, yellow fever, stroke, increased risk of heart disease, trembling, high levels of blood pressure, increased chance of injuring muscles and tendons. Some other side effects of steroids may include aggressiveness, depression, anxiety and uncontrolled bouts of anger.

Steroid abuse or over dosage may also have negative steroids effects on reproductive systems. Some of the negative steroids effects on male reproductive systems may include testicular shrinkage, powerlessness, hair loss, sterility, development of breasts or nipples, urinary problems, increased size of prostate gland and reduced sperm count. Some of the negative steroids effects on female reproductive systems may include development of male features, increased facial hair growth, breast shrinkage and increased size of the clitoris.

Small changes in your diet can make a big difference

If you are one of the millions of people who ever tried to lose weight, then you know how hard it can seem to actually accomplish this goal. With countless numbers of diet plans out there promising fantastic weight loss results and all the hype about the thousands of “miracle” weight loss pills, powders and drinks, it’s no wonder weight loss can seem to be quite the challenge.

Wouldn’t it be nice if there were a way to be able to start to slim down without having to completely change everything about the way you eat and/or relying on diet fads and gimmicks? Well, read on and you will see that by just making some small changes, you can make some big strides in your effort to lose weight.

As a rule, we all know that too much fat in the diet is one of the major culprits in causing overweight problems in people. While that means fat intake should be cut down, it does not mean it can’t be replaced with some better choices that pack fewer calories. For example, take the mayo off the sandwich and replace it with mustard. You cut off 100 calories per serving, all from fat, and replace it with zero calories per serving with no fat at all. Use fat-free cheese instead of regular cheese. Again, you will be replacing 45 calories per slice at 40 calories from fat with 30 fat-free calories. The sandwich is still the same size, but you cut over 115 extra calories off of it.

EAT MORE BREAD

If you eat more bread, you are increasing your carbohydrates and eating less fat as well. In one study, a small increase of bread in the diet led to a 4% decrease of fat consumed. Depending on your overall calorie needs daily, this could mean you’ll be eating more carbohydrates per day, but it is the reduction of fat and the overall reduction of calories that make you start to lose weight. The right balance of carbohydrates, proteins and fats in the proper calorie range determine energy levels and whether you’ll lose weight and maintain a healthy body weight.

EAT MORE VEGETABLES

These foods are great sources of vitamins, minerals and antioxidants and are also low in calories and high in fiber. These foods are filling, nutritious and great for people trying to lose weight. When your parents used to say “make sure you eat all of your vegetables” they were right.

EAT MORE FRUIT

Just like vegetables, fruit is high in vitamins, minerals and fiber. Also, fruit is naturally sweet and can satisfy the need for bad sweets, like candy. Try to replace desserts and snacks such as cake and ice cream with fruit at least half of the time and it will make a huge difference.

EAT MORE FISH AND CHICKEN

Eating fish and chicken more often than red meat will reduce the amount of saturated fat in your diet. Too much saturated fat in the diet has been shown to cause atherosclerosis (artery blockage) which leads to heart problems and eventual failure. Skinless chicken breast and most fish are very lean and only contain small amounts of fat, not enough to worry about. When you eat fish, besides lowering your fat intake, you also increase your intake of omega-3 fatty acids which has been shown to promote a healthy heart. Fish is the best source of omega-3 fatty acids and you don’t have to eat fish every day to get a good benefit from it.

USE CANOLA AND OLIVE OILS

These oils are good sources of monounsaturated fat which is the best kind of fat because this kind of fat increases the good cholesterol (HDL) in your body and lowers the bad cholesterol (LDL).

Sometimes it may seem to be a long road to weight loss but the length of the road is not nearly as important as how smooth the road is. By making small, gradual changes to your eating habits, you will find your road can be smooth as well.

Are you choosing the right type of bait to lure your fish

When most people think of Bass Fishing Bait, what comes to mind is usually basic information that’s not particularly interesting or beneficial. But there’s a lot more to choosing the right Bass Fishing Bait than just the basics.

Most of this information comes straight from the Bass Fishing pros who know what type of the bait is best to lure your fish. Careful reading to the end virtually guarantees that you’ll know what they know.

How can you catch a big fish? How can you attract those fish when daytime? How can you have the best catch of your life? May be you need to seduce those fish to come into your fishing rod. But what you really need is the best fishing lure.

Fishing lures is very important to bass fishing because it will help you catch more fish or even win that very important fishing tournament. There are various types of lures that are used specifically for bass fishing. There are fishing lures each for use in luring small fish, for fish living in shallow waters, for fast swimming fish, for big and large fish as well as for a big-mouthed fish.

In Bass fishing you need to pull the fish’s attention towards you. Fishing lures help you to excite the fish awareness. Some of the lures contain a rotating and shaking action and it produces an overall thrill for the starving trout, pinfish or bass into a feeding emotion.

Some of the Bass fishing lures create a charm for the fish and works in wonders in catching your favorite fish. They come up with a multi-color design so that the fish can see the lures clearly and get attracted. A fish-like imitation also makes a fish swims fast towards it. This is one of the oldest form of fishing lures.

Other Bass Fishing lures are also designed to be thick in the middle and have a curve at the both edges to create an angle when it is soaked on the water. The design and its actions of the fish lures will also let you manipulate the fish and you will catch them in the easiest way.

To look more fashionable some of the fishermen have a different color for their fishing lures, like the silver, gold plated, red/white, firetiger, lightning flash, rainbow color, shades of red gold and the yellow slash.

Bass fishing lures comes in a different size; some of them are slender and thin, others are big with tiny edges, depending upon the size of the fish you want to catch. If you want to catch a small fish and the fishing lures you are using are very big the fish might think that it is a predator and he will not go to your hook. Fishing lures should also depend upon the size of the fishing hook.

Several of the Bass Fishing lures also vary in the weight, some fishing lures are ultra light and they are angled so that it will cause a spin. As an effect of the angel the fishing lure will be consistent on its action, it can also have the territorial defense against the instinct of the predator fish.

Added features to the lures like a life-like fish shape can also be a very effective way to catch the attention of the fish. These fishes have three-dimensional images that will make the lure look irresistible. Several types of life-like fish lures have sparkling eyes so that it would be easy for the fish to identify the lure and the fish will get tempted.

If you want to have deep fishing lures, those with tight design will exile, break and do better than any other crankbaits. Because of the features a wobbling effect in swallow water. Some of professional anglers add some blood on their crank baits so that hungry fish will immediately recognize it and swim towards the lure. Afterwards if the fish already take up the scent of blood, the fish will surely bite the hook.

You must choose the best way to attract the fish. It is not about fooling the fish, it is about thinking of the wisest idea in order for you to attract them.

Take time to consider the points presented above. What you learn may help you overcome your hesitation to take action. Go fishing!

The basics of a commercial mortgage

A commercial mortgage is a mortgage for a building that will be used for business. Commercial mortgages are like a residential mortgage, but can differ in a few ways. Commercial mortgages are a little riskier than a residential mortgage. They are not for someones home, but rather for business use, usually a start up business which in and of itself produces a risk to the lender.

Commercial mortgages require the same steps as a residential mortgage. However, with a commercial mortgage if the business has an established line of credit separate form the individual business owner, then the businesses credit is used to secure the loan.

Commercial mortgages can have a fixed or variable interest rate. A fixed rate will stay at the same percentage for the life of the loan. A variable rate will change as interest rates change. With a fixed rate the benefit is that a person will always know the cost of their mortgage payment, however, a variable loan allows a person to take advantage when rates drop, immediately.

Fixed rate mortgages though can be refinanced when rates drop and therefore the rate will be fixed at that lower rate. The choice can be difficult and should be discussed with the lender to ensure the best one is chosen for the circumstances of the business.

When applying for a commercial loan a business owner should make sure they have all of their financial information prepared and documentation ready for when they meet with the lender. If it is a start up business then they will need their personal financial records. They will also need a comprehensive business plan including business finances.

If the business is already established and has its own line of credit then the business owner will only need to provide the businesses financial information. It is best to be prepared with income taxes from the last two years for both the business and business owner.

Commercial mortgages are pretty much a lot like residential mortgages. The basics of the mortgage terms are the same. The main difference is the documentation used. When applying for a commercial mortgage a business owner needs to ensure they are well prepared to offer the documentation to prove their business is going to do well or has been doing well.

The lender is mainly interested in seeing that the business is not likely to go under any time soon. If they have any doubts it could cause problems with getting the loan. Additionally, the business owner should be willing to put up some type of collateral to secure the loan, as this will make lenders more likely to consider approving the loan. Anything a business owner can do to ensure the loan will be repaid is worth doing.

Business loans of any type are often considered risky for a lender so they are extra careful in approving them. This is important for a business owner to keep in mind when searching for their commercial mortgage loan.

Shopping for the shoes for your kids

This is another vital issue that should be considered seriously. While shopping for the shoes for your kids, it is of utmost importance to keep in mind that the skin of your kid is highly sensitive and you should be very picky when it comes to shopping for the shoes for your kid. Moreover there is another pivotal point to be kept in the fore front of the mind while shopping for the shoes for your child and that is you must look if the shoes fit perfectly. Although this seems to too a trifling thing apparently, yet as a matter of fact this particular point may turn out to be a nightmare for you and your child. This is how the shopping for the shoes for your kids proves to be too confusing.

Some of the most significant tips that would prevent you from getting trapped into the dilemma and events of nightmare lie here.

• The children are usually tend to be too naughty and run hither and thither the day long, which makes the feet swell over the course of the day. It is hence better to shop for the shoes for your kid during the late afternoon and evening.

• It will never be wise to shop for your kid’s shoes online. Although you will find a wide assortment of designs, price range, brands and quality, yet online shopping for the shoes for kids may turn out to be too detrimental. The local genuine shoe stores are obviously better. The salespersons of the real shoes stores personally measure the size of your kid’s feet and bring forth the perfect size of shoes for the little feet. Hence it is advisable to take your child while shopping for shoes for him or her.

• It would never be wise to set out for shopping for your kid’s shoes with tight budget. Budget is however essentially necessary, but with a budget too tight the story may end up with substandard quality of shoes for your kid. This may also eventually become a nightmare.

• For the kids growing too fast, the parents usually have the general tendency to buy shoes that are bigger in size. This is a general mistake that most of the parents tend to commit. The best option is to buy the perfect size – neither bigger, nor smaller. Remember that with the larger sized shoes your child may develop certain foot problem and stepping faults.

• As far as the shoes for the kids are concerned, the concept of “breaking in” of the shoes must not exist at all. The shoes must be comfortable for your child at the first wear.

• The parents must look for the shoes crafted out of the high quality leathers and canvas. This allows every step to breath fresh air, which is essential for your kid’s tender feet.

Curling irons are as individual as the women who use them

When it comes to looking your best, there are some standard tools of the trade. You will want to find the right makeup for your complexion. You'll want to find the best clothes and the right hair stylist. You'll also want to be sure that you have the right products for styling your hair - shampoo and conditioner, gels or mousse or other products, a great blow dryer and, of course, the right curling iron.

Some people seem to think that curling irons are all the same. They don't understand that the inexpensive curling irons like the ones that can be bought in discount stores aren't built to last the same way that curling irons from a beauty supply store are. They don't understand that, even when it comes to curling irons from a beauty supply store, there can be big differences between one curling iron and the next.

Some curling irons work in a way that is similar to a styling brush and a hair dryer - using hot air to style your hair. Some are made with narrow wands for tighter curls; others are made with a wider wand meant to provide long flowing waves in your hair. You can find a curling iron to create spiral curls, spring curls and even curling irons that don't really do much curling per se --- curling irons that are used to straighten hair.

However, even once you've found the right curling iron to keep up your hair style, you may be confused about which type of curling iron is best for your hair. In addition to the hot air curling brush, you'll find that there are a number of other options: ceramic, steam, metal. There are traditional curling irons that you'll plug into the wall, and then there are butane curling irons and propane fueled curling irons that you'll be able to use anywhere.

Butane and propane fueled curling irons are a great asset for getting ready on the go. Running late to head to the office? Take your curling iron with you and squeeze in a few minutes in the restroom before you make it to your desk. Going out after work? Take your butane curling iron with you to the office, heat it up, style your hair before you leave the office and you won't have to make a trip back home.

More importantly, though, if you do much traveling, you'll find that a butane or propane fueled curling iron is an ideal option. Why is a gas-powered iron such a great choice? There are three reasons that rise above the rest:

1. Once you're accustomed to using a butane curling iron, you won't want to switch back to another style.

2. Propane fueled curling irons can easily be taken with you wherever you go. Not only is it easy to take one along with you to the office, but it is easy to slip one into your carry-on bag or suitcase when you travel.

3. When you travel with a butane curling iron or propane fueled curling iron, you won't have to worry about finding the right adapter when you travel out of the United States, because you don't have to plug in your curling iron.

Still not sure that this style of curling iron is right for you - or, for that matter, right for travel? Try talking over the choice with your stylist or with others who use them. You are bound to hear stories about how convenient it is to not have to worry about remembering to unplug your curling iron before you leave home. Similarly, you won't have to worry about tripping over the cord, having someone else trip over the cord or having the family pet decide that chewing on the electrical cord is a good idea.

After all, your curling iron should be an asset, not a liability. Your curling iron - once you find the one that is right for your hair and hair style - should also be something that you don't need to replace on a fairly regular basis. Therefore, it makes sense to consider more than just "any" curling iron; consider finding a curling iron that will meet your needs wherever you are - whether you're traveling across town or traveling around the world.

Getting a credit card online

This is one of the simplest things to do, applying for a card online. With just a few flicks you will be on your way to owning a credit card. But hold down the horses! Before you get too excited are you 100% sure you are eligible in getting one?

Important general requirements of most credit card companies are: 1) that you are at least 18 yrs. Old, 2) you have an annual income of more than $12,000, 3) you have a regular income, 3) and most of all your credit rating is in good standing.

But of course if you want to save hundreds of dollars in the future you might want to consider trying the few things listed below:

Search

Like what you do in shopping, in order to save we look around first for other possible alternatives that are cheaper or better in quality than the one we have our eyes on. The internet is loaded with a lot of sites that can help and show you the different credit card types available for us.

Try to use a good search engine. It will probably give you thousands of search results so choose wisely as to which sites you think are safe to open. From there gather information of more than one type of credit card.

Compare

It may seem like a dilemma when there are great cards that cater to what you think you need. But do not be biased. Aside from the cards that you have set your eyes on, compare other type of credit cards (you never know you just might get a lot of benefits and savings from the one you were putting aside). Remember to compare the interest rates as this is the reason why a lot of Americans are drowning in debt. Try to get a card that has a low interest rate. If there are cards that waive their annual fees use them to your advantage.

After all the comparing, cut it down to two or three choices and weigh both. Once you have chosen the card you believe is the best. You are now ready to apply.

A gentle warning though, hackers and identity thieves have been rampant in the internet so be careful as to which website you are typing your personal information. Make sure that the URLs are exactly as the company name is.

Once you are confident that the site is authentic, be sure to fill up every single detail necessary and be sure that you have no outstanding balance with any other company (this includes all your utilities, personal loans, mortgage, etc.). No pending payments with other companies will ensure you even further in getting that credit card.

Once you have received your card always remember to use it wisely. Credit cards sometimes give us an idea that we can spend for a lot of things because we can purchase it and have trouble paying for it when the billing arrives. Remember to think twice before swiping that card, especially if you are on a tight budget. If you don’t pay in time, you end up in debt and eventually end up spending even more.

You are now endowed with spending power use it sensibly. Use it to your advantage not your disadvantage. Go online and apply now, grab that power!

History of kenya coffee

The birth place of coffee is relatively close to Kenya but getting it there was not an easy task and full of bloodshed. The Arabs who controlled coffee enslaved thousands of Kenyan's where they worked on the coffee plantations in Kenya and Arabia. This was followed by the British settlers around 1900 who quickly assumed control over the country which led to more bloodshed.

In the first part of the 20th century the interior was settled by British and European farmers who became rich by farming coffee on the backs of the Kenyan workers. By the 1930's the farmers powers had become very strong. Even with over 1 million Kikuyu tribe members calling it home they had now real land claims according to the Europeans. To protect their interest the wealthy Europeans banned them from growing coffee, introduced a hut tax and gave them less and less for their labor. The Kikuyu were forced to leave their land and go to the cities in order to survive. This legal slavery of the population continued until the century until the British relinquished control in 1960. Despite all this bloodshed and slavery Kenya coffee has flourished and is among one of the finest cups in the world.

All Kenya coffee grown is Arabica coffee grown on the rich volcanic soil that is found in the highlands of the country. Today around 250,000 Kenyans are employed in the production of coffee. Most is produced by small land holders that are members of cooperatives that process their own coffee. Still, even with this Kenya coffee's specialty status Kenya coffee farmers still remain among the poorest in the world. In 2001 a farmer producing 1,007 kg crop would only earn Ј20.14 for his labor, that same coffee is available at specialty stores for $10 + per pound.

Recently Kenya farmers have introduced the Ruiru 11 hybrid plant and it is causing concern amongst true Kenya coffee lovers. This is because it may lack the traditional Kenya coffee attributes that coffee aficionados love. The Kenya Coffee Board is trying to promote Ruiru 11 as an alternative to the farmers but their efforts are overshadowed by the rumors that it tastes like a low grade coffee from a different country. History will have to be the judge to see who is correct.

Kenya coffee has a bright acidity and a wonderful sweetness with a dry winy aftertaste. A really good Kenya coffee will also have a black-current flavor and aroma. Some of the worlds finest coffees come from Kenya and as a single origin coffee it wins praise at the cupping table. Kenya has this level of quality through a government-run system that offers rewards to farmers for producing better quality coffee. This policy has lead to steady improvements and consistent improvements in the cups quality. Each lot of Kenya coffee, if it is from a large farm or a small co-op has to undergo rigorous testing for quality by the Coffee Board of Kenya.

Equity loans analyzed and compared

Anybody looking at equity loans as a means of borrowing would be wise to compare the rates for equity loans, refinancing as well as credit lines. This is because loans more often than not come with either a prime, fixed or variable rate.

Refinancing is usually a better option than home equity loans or credit lines when your equity has dropped below its market value.

Refinancing extends some extra cash to the homeowner to spend on his most pressing needs. It also offers a vehicle to help recover the equity on the value of your home. Said another way, refinancing helps to raise the equity on your home. So, whether you want to consolidate your debts, buy new equipment, pay school fees or remodel your home, home equity loans would be your most likely option.

However if your desire is to improve your cash flow situation during the next ten years, you might want to look at credit lines. A credit line is a loan offered on a prime rate of interest. It usually comes with some conditions, but is mostly available whenever you may need it. Most providers of credit lines do their own checks when the borrower applies for a credit line facility.

As we have seen form the above, whichever type of loan you choose eventually depends on your specific needs. However, looking at what is available and understanding what each of them can do for you, can only help you in choosing the most appropriate solution for your situation, including getting the best rates and repayment options.

So to recap. Refinancing lends itself better if you want to increase the equity on your house, while home equity loans may be best suited if you're thinking of consolidating your debt. However if you're having cash flow problems or would like to increase your access to cash in the foreseeable future, then you may want to think about getting yourself a line of credit.

Airplane comfort tips

Airplane Comfort Tips: Mental and Physical Comfort

The most important Airplane Comfort Tip that will make you feel very comfortable while flying is if you know that you have struck the best deal and managed to save a lot of money. Whether you are flying on a business trip or a pleasure trip, you can make it less expensive with little extra effort.

Here are some airplane comfort tips that will make your journey comfortable through some lesser-known methods of using air transport. Interestingly, the famous airfare price wars and the travel agents are not at the top of the list of our best airplane comfort tips.

When Should You Call Airlines?

The first airplane comfort tip suggests that you may get air tickets at a lower price if you call the airlines after 12 midnight and before 1:00 A. M. This is the best time because computers are updated at this time. Alternatively, you may make inquiries at other nearby airports. To your surprise, the difference in fare at the two airports can be several hundred dollars. You can also save some money if you book your ticket well in advance. On the other hand, booking at the last minute may also give you some extra benefit.

How to Counter Airplane Dryness

Now that you are mentally comfortable, because you feel that you have done your best to pay minimum for your airline ticket, here are some other airplane comfort tips to keep you physically comfortable while flying: 1.) You should take very light meals and get a good night's sleep before you start traveling. 2.) To counter the dryness caused by the atmosphere in the cabin, it will be better if you avoid drinking tea, coffee and alcohol. However, consume as much water and fresh fruit juices as you can. If you wear contact lenses, remove them if it is possible. Use moisturizer for the exposed skin and lip balm for the dry lips. If you have history of any kind of respiratory disease, it is advisable to consult your doctor before flying in the airplane.

Do Not Sit Idle for a Long Time

My next airplane comfort tip is that you should not remain sitting idle for the whole duration of the flight. It may cause obstructions in blood circulation resulting in muscle cramps, tiredness and worst of all, Deep Vein Thrombosis (DVT). Whenever you get a chance, try moving in the aisle. If you find it difficult, try to stretch your arms, neck, feet and legs.

Formula one - drivers and constructors

Since 1984 Formula One teams have been required to build the chassis in which they compete, and consequently the terms "team" and "constructor" are more or less interchangeable.

This requirement distinguishes the sport from series such as IRL, Champ Cars, and NASCAR, which allow teams to purchase chassis, and "spec series" such as GP2, which require all cars be kept to an identical specification.

In its early years, Formula One teams sometimes also built their engines, though this became less common with the increased involvement of major car manufacturers such as BMW, Mercedes-Benz, Renault, Toyota, and Honda, whose large budgets rendered privately built engines less competitive (and redundant).

Early manufacturer involvement came in the form of a "factory team" (that is, one owned and staffed by a major car company), such as those of Alfa Romeo, Ferrari (FIAT) or Renault. Companies such as Climax, Repco, Cosworth, Hart, Judd and Supertec, which had no direct team affiliation, often sold engines to teams who could not afford to manufacture them. As the manufacturers' deep pockets and engineering ability took over, almost all engines are now produced by major manufacturers.

After having virtually disappeared by the early 1980s, factory teams made a comeback in the 1990s and 2000s, and now form half the grid with Toyota, Ferrari (FIAT), Honda, Renault and BMW either setting up their own teams or buying out existing ones. Mercedes-Benz (DaimlerChrysler) owns 40% of the McLaren team and manufactures the team's engines. Commercial engine supplier Cosworth exited the sport at the end of 2006. Thus all the teams will run on factory supplied engines from 2007.

The sport's 1950 debut season saw eighteen teams compete, but due to high costs many dropped out quickly. In fact, such was the scarcity of competitive cars for much of the first decade of Formula One that Formula Two cars were admitted to fill the grids. Ferrari is the only still-active team which competed in 1950, and as of 2006 eleven teams remain on the grid, each fielding two cars. Although teams rarely disclose information about their budgets, it is estimated that they range from US$66 million to US$400 million each.

Entering a new team in the Formula One World Championship requires a Ј25 million (about US$47 million) up-front payment to the FIA, which is then repaid to the team over the course of the season. As a consequence, constructors desiring to enter Formula One often prefer to buy an existing team: B. A.R.'s purchase of Tyrrell and Midland's purchase of Jordan allowed both of these teams to sidestep the large deposit.

Each car is assigned a number. The previous season's World Drivers' Champion is designated number 1, with his teammate given number 2. Numbers are then assigned according to each team's position in the previous season's World Constructors' Championship. There have been exceptions to this rule, such as in 1993 and 1994, when the current World Drivers' Champion (Nigel Mansell and Alain Prost, respectively) was no longer competing in Formula One. In this case the drivers for the team of the previous year's champion are given numbers 0 (Damon Hill, on both occasions) and 2 (Prost himself and Ayrton Senna - replaced after his death by David Coulthard and occasionally Nigel Mansell - respectively). The number 13 has not been used since 1974, before which it was occasionally assigned at the discretion of individual race organizers.

Before 1996, only the world championship winning driver and his team generally swapped numbers with the previous champion – the remainder held their numbers from prior years, as they had been originally set at the start of the 1974 season. For many years, for example, Ferrari held numbers 27 & 28, regardless of their finishing position in the world championship. As privateer teams quickly folded in the early 1990s, numbers were frequently shuffled around, until the current system was adopted in 1996.

Michael Schumacher holds the record for having won the most Drivers' Championships (seven) and Ferrari holds the record for having won the most Constructors' Championships (fourteen). Jochen Rindt became the only posthumous World Champion after a fatal accident at the 1970 Italian Grand Prix.

Economics term paper

Economics term paper is difficult to write for most students because of the complexity of this subject. This kind of assignment requires a sound knowledge of the various terminologies related to this subject. You should also have some working knowledge of other related subjects like business, commerce, marketing, entrepreneurship, sales etc. in order to produce a good piece of work.

Lots of brainstorming is required while writing this kind of assignment. Writing in this subject is good for you as it sharpens your analytical skills. Don’t assume that the reader knows all the terminologies related to this subject. Explain each and everything in a layman’s language. In addition to notes you might have to use charts, diagrams or graphs. Be sure to put an explanatory note under each of these diagrams to explain what you want to prove through these. Don’t clutter your graphs or charts with too much of figures. It will confuse the reader. If including so much of figures is absolutely necessary then increase the size of the diagram or graph so that it is easier for the eyes to make out their meaning.

You should make your writing explanatory, even when the nature of the assignment demands lots of figures and symbols. This is because in future you might work into an organization where there are not many people who have the technical know-how of this subject. At that time you will have to write a number of explanatory notes to make a point clear to everyone.

You might be asked to analyze a situation or find a solution to a problem in this kind of assignment. While doing analysis or writing the solution write down every point in an easy to follow style. This is because those who specialize in this field are there to educate the masses about the complexities of this aspect of their living. You cannot get successful in future if you are not able to explain all this in a common man’s language.

Divide the assignment into three distinct parts – introduction, body and conclusion. In the introduction introduce the main idea to the reader. In the discussion write different secondary points related to the topic in separate paragraphs. In the conclusion sum up all that you have written and also present suggestions or implications if any.

The subject is such that you would have to consult lots of different kinds of sources to do full justice to the assignment. Apart from books and journals you would have to keep track of the current affairs to produce a well-researched and up to date piece of work. Discussion with your friends who have a keen interest in this subject would give fresh insights to your mind. So deal in all kinds of brainstorming activities and consult both contemporary and conventional sources.

Economics term paper should be written according to the citation style instructed by your tutor. Never cross the word limit and always use clear and simple language to put forward a point of view.

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25 fat juicy keywords

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With the holiday season fast approaching and the all important new year sales blitz just around the corner, webmasters are preparing to cash in like never before to capture the greater part of the pay per click revenue spoils. AdSense has some new competition in Chitika and Yahoo’s Publishing Network is really taking off. The following 25 keywords I have identified as giving exceptionally larger than life payouts; adjust your site accordingly to pull in the greatest amount of cash over the next few months. Don’t expect me to share with you actual pay out amounts [they vary, anyway]; I did my homework so now do yours too!

The following are 25 words followed by my comments:

Mesothelioma – Duh. Goes without saying.

Money – give make money and free money a try.

Bextra – also try Bextra lawyer, Bextra Pfizer.

Life insurance – life insurance quote, life insurance rate, term life insurance.

Health insurance – what people need, but few can afford.

Prescription plan – what people need, but few can afford.

Student loan – student loan consolidation is a biggie.

Personal injury attorney – add in a particular state before the term to narrow things down.

Acne – zits are in, very in.

Timeshare – resell timeshare is popular too.

Mortgages – always a popular term and will be as long as people own houses.

Equity loan – also give home equity loan a try.

Debt consolidation – a perpetual leader. No surprise there!

Lasik – vanity sells!

Face lift – like I said…

Hair loss – more of the same!

Caviar – one of the highest paying foodie keywords.

Canadian pharmacy – always a crowd pleaser.

Elder care – some day we’ll all be there; sooner than you think!

Spyware – a perpetual problem with mass appeal!

Laptop computer – also try notebook computer.

Cell phone – always a competitive area.

VOIP – voice over internet protocol continues to strengthen.

Tax help – as long as there is an IRS…

401k rollover – everyone wants in on the action

So, what does each of these words have in common? Pay outs of two dollars or more per click is possible; much, much higher for some keywords depending on the season and a host of other factors. I identified many other keywords that also are high payers, but left them out on purpose. I shouldn’t have to give away all my secrets now, should I?

Poor credit home mortgage loans - how to avoid borrowing too much

When buying a new home, it is essential to stay within a realistic budget, and avoid buying a home that you cannot afford. This is a common mistake made by first time homebuyers. Owning a home involves more than paying the mortgage. With homeownership come unexpected expenses, extra utilities, rising taxes, etc. Here are a few tips to help buyers avoid borrowing too much for a home.

Stay Away from Expensive Homes

If you tour an expensive home that is listed for sale, more than likely you will fall in love with the home. Sadly, millions of people purchase homes that are priced outside their budget. To avoid the temptation of splurging on a more expensive home, avoid touring certain model homes and open houses. Moreover, homebuyers should shun sneaky realtors who persuade them to bid on larger or more expensive homes.

Find a Good Mortgage Lender

Homebuyers with poor credit will likely use a sub prime mortgage lender. When applying for a mortgage quote or loan, select honest lenders. Unfortunately, several mortgage lenders and companies habitually approve loans that are beyond a buyer's ability to pay. Nonetheless, the majority of mortgage lenders are sincere, and will not approve questionable loan applications.

First time homebuyers may have trouble determining how much house they can afford. Before applying for a loan or beginning your home search, consult an online mortgage calculator. After inputting your income and monthly debts, the calculator will provide a rough estimate of how much you can afford to spend.

Get Pre-Approved Before House Shopping

Shopping for a new home before getting pre-approved is a no-no. For starters, this is the easiest way to fall in love with a home you cannot afford. Instead, consult a mortgage lender and get pre-approved. To pre-approve homebuyers, lenders require information pertaining to income and debts. Once documents are received, they can determine a home price within your budget.

Getting pre-approved before bidding on a home is practical. Regrettably, some homebuyers win a bid, but are unable to secure financing because the home is too expensive. Moreover, pre-approval letters indicate your seriousness to realtors and home sellers. In many cases, this can be a tool for negotiating.

Networking on myspace

MySpace is an online community where members can meet to share photos, journals and interests with an extensive network of friends. The MySpace mission statement describes the MySpace network as being for everyone including:

* Friends who want to talk Online

* Single people who want to meet other Singles

* Matchmakers who want to connect their friends with other friends

* Families who want to keep in touch--map your Family Tree

* Business people and co-workers interested in networking

* Classmates and study partners

* Anyone looking for long lost friends!

From this description it is clear that MySpace is an excellent place for online networking. This article will take a look at how to find the people you want to network with on MySpace and will examine whether or not the networking should remain online.

Who Do You Want to Meet?

When using MySpace to network it is important to consider who you want to meet in your networking endeavor. There is a misconception that MySpace is just for kids but many are finding there are all types of people using MySpace. Before making a decision about whether or not you want to network on MySpace it is wise to spend some time searching around MySpace to find out whether or not there is a large amount of individuals who share your interests. Spending some time doing research before beginning your own MySpace website is helpful because otherwise you might invest time and energy into designing your website only to find there are not many members with which you want to network.

Where Can You Find Those You Want to Meet?

Now that you have identified who you are looking to meet online through MySpace it is time to start finding these individuals. The search feature can be very helpful for this purpose. Compile a list of keywords which are likely to be used on the MySpace websites of members you would like to meet. Searching for these keywords can help you to locate those who share your interests.

Visiting the MySpace websites of your friends’ friends can also help you to meet more interesting individuals on MySpace. Those who you already consider to be friends likely share some of your interests. Likewise many of their existing friends may share these interests as well. Investigating websites of those who are friends of your friends can put you in contact with many more people who might be potential friends for you.

Do You Want to Take Your Networking Offline?

After networking online the natural progression is to determine whether or not you want to expand on your network to include face to face meetings as a part of this networking. Care should be taken when making this decision to ensure you are not putting yourself, or others, at unnecessary risk by arranging these networking meetings.

The most important aspect in arranging offline networking meetings with those who you meet online is choosing a safe location for these meetings. A well lit, busy, public location is ideal for these types of meetings. These types of locations not only minimize the chance that any participants in the meeting will attempt to harm others but also helps to make those who are planning to attend feel safer. You might think a house belonging to your friend is an excellent location because you are familiar with the location and will have friends with you but it is important to note those you are meeting may be just as suspicious of you as you are of them. They are more likely to be interested in attending your meeting if it takes place in a public location because they will feel more comfortable.

Another aspect to consider when deciding whether or not to take virtual networking opportunities offline is whether or not you think the friendships will be the same offline as they are online. Many Internet users feel freer to express their opinions online than they do in face to face meetings. Friends who have wonderful relationships through MySpace may find their relationship falters when they actually meet in person.

Get to know the bankruptcy filling process if this is your option

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Filing for bankruptcy is a very personal decision. Heavy debtors may choose to file a bankruptcy if they see no other way out from their heavy debts. By declaring bankruptcy and filing a petition with U. S. Bankruptcy Court, the bankruptcy filer will be protected and relief from debts under the Bankruptcy Code.

Bankruptcy filing should be you last option if there are no better options available, because the consequences of filing a bankruptcy will follow you for 7 to 10 years. If bankruptcy is your only option, then by understanding the process of filing bankruptcy will get you more prepare to face it. Bankruptcy procedure and exemptions may vary from one state to another state. This article will walk through with you the general process of filing a bankruptcy.

The first part of the bankruptcy filing process is collecting your personal financial information. This includes your existing secured and unsecured debts and tax returns for past two years. Prepare all your deed documents which include real estate you own, car title, land title and other loan documents. You may want to order your credit report, it will provides you some helpful information on your past records.

Then, you either assign a bankruptcy attorney or you can choose to file the bankruptcy yourself. If you choose to file the bankruptcy yourself, you need to get the bankruptcy forms (you can get these forms online) and get them fill up. You have to fill in your current financial status and recent financial transactions (within last 2 years) into the bankruptcy forms. At the mean time, you need to decide to file under what type of bankruptcy; there two commons types which are Chapter 7 and Chapter 13, chapter 7 bankruptcy is the preferred one, but not all are eligible to file under chapter 7. If you choose to file under chapter 13, you need to enclose your proposed repayment plan with your petition. Once the bankruptcy petition is completed you will need to file the petition with your local United States bankruptcy court. If you have assigned a bankruptcy attorney to handle your bankruptcy case, the attorney will help you and guide you through the above process.

Once you have submitted your petition to the bankruptcy court, you will be immediately protected under the bankruptcy code. Your creditors are not allowed to make direct contact with you or making a claim to any of your property from the date of filing. About 1 month later, the trustee will call a first meeting with all your creditors and your creditors' lawyer. Objections are typically resolved by negotiation between you as the debtor and your creditors. If there is no challenge raises in the meeting, you should receive a notice from court after 4 to 6 months stated that your bankruptcy has been discharged; otherwise, if compromise can be reached by all parties, a judge will intervene.

In Summary

Bankruptcy filling is a long process, it may takes up 6 months to a few years if a court case involve. You must be prepared to face it and if you have no confidence to get through yourself, it's better to assign an attorney to handle the bankruptcy process.

Quality school teacher

There is a program that is run by the William Glasser Institute called, "The Quality School" program. It is an outstanding program that gets to the heart of school failure and disengagement. It is not based on fancy curriculum. No, instead it focuses on building need-satisfying relationships with students so that they will want to learn. Competency-based learning is the focus and the results are that students’ scores on standardized testing significantly increases and discipline problems are greatly reduced.

This program is only endorsed when an entire building is on board with Glasser’s teachings. That means everyone in the school has to be trained in Choice Theory—teachers, administrators, custodial staff, cafeteria workers and students.

It is not always possible for every teacher who wants to implement Glasser’s ideas to work in a Quality School. There are many teachers who are trying to do this alone or with one other partner. It is certainly more difficult but definitely not impossible. This is why Glasser wrote the book, The Quality School Teacher, as a follow up to The Quality School, so every teacher who wants to create a quality classroom can do so even if his or her school is not following the same principles.

What does a quality classroom look like? Well, first of all it is up to the teacher to reach out to every student in an attempt to connect in some meaningful way. Forming positive relationships is crucial in a quality classroom. How do you do that? One of the first things a teacher can do is learn everyone’s name and greet them warmly when they enter the classroom. Engage in conversation to determine some common interest. Inquire when things seem a little out of sorts. This will help with the need for love & belonging.

Teachers will also teach their students about the Deadly and the Caring Habits and encourage everyone to use the Caring Habits to facilitate positive relationships between them.

Another way to create a need-satisfying environment is to help students feel safe. This is done by establishing a minimum of non-negotiables in the classroom. I recommend having three. First, everyone is going to be safe in the room. Second, people will respect one another and their property. And finally, no one should interfere with anyone who is trying to learn. Once these have been established and agreed upon (after all, what student is going to say they don’t want to be safe, respected, or have the ability to learn if he or she chooses to do so?), then most of the students will help keep each other on track and the teacher’s job becomes relatively easy.

Quality School Teachers recognize that there are times when students are not going to be of the mindset to learn. I am an adult educator and even in my stimulating, dynamic workshops, occasionally a participant will nod off after lunch! Your students are no different. One time that is historically difficult is that moment of the first snowfall for the year if you happen to live in a colder climate. A Quality School Teacher would recognize the obstacle and provide his or her students with the opportunity to just stop, turn and look out the window. After about five minutes of this, students are ready to get back into the learning mode. This is so much more effective than trying to teach through the students’ and possibly the teacher’s awe and excitement.

A quality classroom would have a space in the room where a student could go if he or she were having difficulty managing his or her behavior in class. It would be a comfortable place where students could voluntarily go to “get themselves together.” This provides an opportunity for students to self-correct and self-discipline and well as gives the teacher another option other than to eject the student from the classroom, which would be damaging to the relationship.

Struggle no more with depression

Medical experts claim that one of the many ingredients to a healthy lifestyle is to be happy. A person who is free from negative vibes and thoughts are the ones who rarely get depressed and stressed out. Although it is normal for anyone to experience depression at some point in his or her life, extreme condition of anxiety depression may be detrimental to a person’s perspective and approach towards life.

As defined in medical terminology, manic depression is a psychological condition that changes how a person thinks and feels in a negative way. This condition is far from the aspect of just being sad, moody, or unhappy. Serious cases of depression, when not consulted, can eventually affect a person’s behavior and sense of well-being.

Generally, a person who is beginning to experience or develop a serious case of depression shows or exhibits symptoms that basically prove that they have problems. Normally, some people do not want to admit that they are suffering from manic depression. However, they later on realized that their condition requires immediate medical attention.

The most common anxiety depression symptom is the frequent loss or lack of appetite. Some also report sleep problems as well as a negative perception or regard to almost everything around them. As cases of depression continue to increase each year, it is essential for every sufferer to be aware of the treatments that are available for them.

The following are effective treatments that can totally free an individual from depression:

1. Support and love from family and friends.

Suffering from extreme case of depression is hard for a person who doesn’t have a close relative or friend to confide with. Once the condition is confirmed, it is best to seek help and support from a person who will understand and assist you through this said illness. Having someone listen to your problems, thoughts, and worries is surely one of the most recommended natural treatments of most doctors.

2. Effective and prescribed anti-depression medication.

Anti-depression medications are widely available in the worldwide market today. However, it is important not to take any medicine that is not recommended or prescribed by a doctor. Remember that there are some medications that can give adverse side-effects when not taken correctly as prescribed by a doctor.

3. Meditation and exercise.

It is proven in a number of studies that meditation and exercise have beneficial effects on depression. When a person undergoes a meditation treatment, he or she experiences complete relaxation, thus, helping him or her to view troubles and worries in a more positive way. On the other hand, exercise is a perfect treatment to help one’s body and mind more focused.

4. Natural foods

Apart from taking prescribed medications by doctors, eating natural foods is also known to be an effective natural treatment for depression. Examples of natural foods are asparagus, cardamom, cashew nut, and lemon balm. These natural goodies help bring down the acidity level in the body, thus, keeping the mind relaxed and calm.

Instant strategies to drive more traffic to your website

By driving more traffic to your website pages, your search engine rankings will improve dramatically. This increase in traffic will not only improve your rankings, but if you have a good product and good copywriting, your sales will also improve as a result of optimizing your site URL for traffic.

The internet is used by all of us for getting information. For a great way to build a profitable internet business take a peek at onlineinfopreneurcreation. com. The material we are seeking is always for a purpose, whatever that might be. The old underhanded ploys used by some websites served no good purpose for the growth of the internet. It is good news to all of us that the search engines are blacklisting sites that use unscrupulous techniques to get traffic.

For a website to be ranked high in the search engines, the topic matter must be focused using the main word as well as supporting phrases and synonyms that occur naturally. A web page that is properly optimized in this way will have a greater chance of being listed in the top ten sites with the search engines. There are thousands and thousands of pages on just about every subject, so taking the time to optimize your pages is well worth the effort. Top ranking sites are the ones that get the traffic.

Link Techniques

Website content that is centered around a certain subject matter will also give you the perfect opportunity to contact other websites that have content similar to yours that will be willing to link to your site. In turn, you would probably offer to link to theirs. Traffic obtained in this way is usually qualified since those that were seeking information come from a site similar in content to yours. It is usually very stable traffic that will be around for a long time. There are many good link management programs available which offer a variety of services such as editing, organizing and maintaining your link directory.

Writing Articles For Traffic

There are some internet marketers who are just now becoming aware of the benefits that can be gotten from writing and posting good, informative articles to article directories, ezines, as well as to other websites. There are many sites looking for content for their websites. As an article writer, you get a one way link back to your site from each published article, which, of course, holds the potential of your getting lots more traffic. Also, links to your site, and one way links in particular, could increase your search engine rankings. Take a look at ArticleProSoftware. com which offers some very valuable insights and strategies about writing and submitting articles. Articles should be thoughtful and well written. You might be surprised at the boost your site will receive when you begin to regularly write and submit articles.

To summarize, (1) take the time you need to optimize your site for the search engines with good, information that is unique and well written, (2) start a link program for your site, and (3) write and submit articles to ezines, article directories and other websites.

-Craig S. Andrews

How to find a good inexpensive hotel

When going on vacation somewhere you have never been it can be hard to find a good quality Hotel working on a budget. So here is a guide to help you find a good place cheap, so you don’t have to worry about where you will stay.

In my life I have done a great deal of traveling, and I have many nightmare stories about the things that have happened to me in some of the cheap hotels I have stayed in. I remember once I was ok a ski trip and half the floor in my room actually dropped about 6 inches. I woke up and my head was lower then the rest of me and was confused for several seconds before I managed to come to my senses. Lucky for me the room was on the first floor. On another trip, the police raided the hotel looking for illegal immigrants, and there was noise all night long. It was probably quiet the next night, but I did not stick around to see.

Finding a good inexpensive hotel should not be a gamble. The best way to find a good hotel is to go to a place you have been before, but assuming that is not an option the next best thing is from someone who has been there.

If you know someone who has been to the same vacation spot as you are planning on going, ask them about the place they stayed, the worst that can happen is they tell you they hated it or that it was too expensive.

But what if no one you know has ever been to where you are going to be? Unless you like to gamble, you can't just make reservations anywhere, if you are looking to gamble on something play blackjack or poker in a casino, but don’t roll the dice with the place you are going to use as your home base for your vacation.

Use the internet to look for hotel reviews. There are many websites that have reviews from people who have stayed in the hotel. Now one mans hell may be another mans heaven, but at least this way you can see that 5 people stayed there and said it was fine and two said it was not good maybe these 2 people were the exception.

Or maybe the two that did not like the hotel were in town for business in an area popular with tourists. This can be an annoying situation when everyone around you is partying and you are trying to sleep, this is one of the reason why no business is conducted in Daytona Beech during Spring Break.

Talking with a travel agent is always a great way to assure your happiness with your lodgings, and helps keep the gambling in the casinos and out of your room.

A good thing to do is to make sure to ask lots of question on the phone with any hotels you are considering staying in.

Light your fire

Have you ever listened to someone else speaking about themselves and had one of those 'If they can do that, so can I' thoughts?

I often hear people say, 'I wish I could do so-and-so.' And for me this kind of statement is like the red rag and the bull.

With all the 'stuff' that challenged me in the past (divorce, abuse, finances, self-esteem and lack of confidence) I know better than most that you can have nothing and create a worthwhile, dreamy and very holistic lifestyle.

In fact, I'd go as far to say my life has become a bit of an experiment - and a personal quest - to see how much I can overcome, grow, enjoy and share what I've learned so others can benefit.

When I hear people make 'I wish' statements, My usual response is now a kind of: 'Then why don't you?' reply.

But what am I doing when I ask this question?

Echart Tolle says, 'When pain is put close to radiant consciousness it is transformed like wood on a fire.'

In other words, when someone is struggling to get their dream out - when it's choking and trying to wriggle its way out, through the barriers and the reasons and the excuses, all I'm doing is chucking a log onto the fire, in the hope it burns later.

Call it alchemy is you like. The question, 'What stops you?' is a meltdown question. And from all that melted lead that slops up from inside, can eventually, turn to gold.

One of the things I've been doing over the last five years is to take the heartache of what I went through as a victim of domestic violence and using it positively to transform my life and those who I come into contact with.

When a woman was screaming at her child in the street, I understood from my years of abuse the damage this would do to the child. I didn't judge the screaming parent, but just offered her my help while she brought herself back to center.

That simple gesture was enough to transform the lead of the situation into gold. It turned the shouting into a slightly embarrassed smile and a thank you - which amounted to an acknowledgment of showing kindness in a moment of need.

A few years ago I was broke and in some pain from being financially crippled. I created the resources to change that and now teach a number of clients how to get themselves back on track - sometimes saving my fees several times over in a very short space of time.

If money is troubling you, a good, low cost way to start is my e-book, Getting in the Flow of Money - Immediately. It's straight talking, simple and gives you an exercise we all should do, but probably don't.

It's true that no one goes from A-Z in a flash. You don't go from being beaten and shouted at to suddenly being aware and caring of others. There is a journey and a process to go through.

And rest assured I'm not telling you these stories to impress you with how 'Good I think I've got'. I'm sharing them with you as someone that know what it's like to have had masses of pain and troubles and has (and is still) learning to enjoy life more with every breath.

I'm going to be covering this subject of lighting your fire, meltdown and creating gold in two talks I'm giving called Turning Inspiration into Reality - click here to book tickets.

To be honest, I'm relishing the prospect of giving these talks. I can't wait to share what I've learned with you, because I know how you can manifest your inspiration dreams and wishes.

Turning your wish (inspiration) into reality is about process. Here's an outline:

1. Know what you want

2. Create a plan

3. Work on the plan everyday, even for just five minutes

4. See what's working. Notice what's not.

5. Change what's not working.

6. Keep changing what's not working until you get what you want

Enjoy today's exercise.

With Love and good wishes

Neil

Identifying the different forms of herbal medicine

Although there are a lot of positive things to be said when it comes to herbal medicine, is still an undeniable fact however that what we proof we have is not yet enough to make taking herbal medicine completely safe.

Hence, when you’re about to try out herbal medicine please make sure to check with your doctor first if what you’re doing wouldn’t be harmful to your body. Secondly, it’s better to be able to identify the different forms of herbal medicine so you’d know if what you’re taking is the real thing or not.

Essence - This is also one of the most popular forms that herbal medicine takes. Herbs in essential oils are processed through cold pressing or steam distillation. This form of herbal medicine is popular because a lot of people prefer to enjoy massages with the use of essential oils because it supposedly helps them relax more easily.

Pills and Capsules - People who violently resist the idea of taking herbal medicine in its raw form may find other products of herbal medicine in the form of pills and capsules. Herbal medicine is ground into powder to take this particular form. Usually, with this form of herbal medicine, the medicinal purpose is general and not meant to be a specific cure. Ampalaya capsules, for example, are taken simply to help improve your diabetes.

Infusions - This process involves the delicate parts of a plant like its leaves, seeds and fruits. The process simply takes several minutes to finish.

Poultice - There are some situations that require patients to take herbal medicine in the form of poultice. In this case, the herbs are macerated or chopped into tiny pieces and are then directly applied to the skin. After this, a hot, moist bandage is used to cover the area.

Raw - It’s like going back to the primitive past when you’re required to take this particular form of herbal medicine. Not only is the process somewhat undesirable, the taste of it leaves nothing to be desired as well. Many healthcare professionals, however, advise people to steep these raw herbs into tea because it’s said to release its healing powers effectively.

Tinctures - Herbal medicine in liquid form.

Decoctions - This process involves the extraction of certain parts of a plant like the berries, roots and herb-bark. This process usually takes 45 minutes till an hour and a half.

And now that we’re done with the list of forms of herbal medicine, we do hope that you benefit greatly from whatever herbal medicine product you’re taking!

How to compare low cost health insurance in oregon

Oregon has an excellent health care system; in fact, one of the best in the nation according to U. S. government figures, but regardless of how good the system is at saving and prolonging life, the fact is that Oregon’s heath care, like health care everywhere in this nation, is expensive.

In fact, according to figures released by the Oregon Department of Insurance, almost half of all citizens of Oregon find health care costs a financial burden and fully one quarter of all adults in Oregon report spending up to twenty-five percent of their monthly income on health care.

Clearly for the majority of people something has to be done to bring down the cost of staying well.

The most formidable weapon at the consumer’s disposal is knowledge. Become knowledgeable about health care and your health care choices. Go online and compare policies and prices – the difference in cost for the same basic policy from one company to another can be truly staggering.

Before going online sit down and figure out what you and your family need out of a health care plan. What is important to you – and what isn’t? Are doctor’s visits more important than hospital stays? Are prescriptions more important than visits to the emergency room? Do you need a policy that covers you when you travel? Do you have a new baby – or are you expecting one in the next year?

Write your answers down on a piece of paper and play around with them when filling out your online comparison forms. Remember, when you are looking for low cost health insurance here in Oregon there are bound to be trade-offs. Don’t expect to find the perfect policy – unless you can afford a high premium or your needs are simple.

And of course the main trade-off that many people use to create an acceptable health policy at a price they can afford is their deductible. This is money you have to pay from your own sources for your health care needs before your insurance begins to pay. The greater your deductible the lower your monthly insurance premium.

Health insurance is costly, there’s no getting around that – but if you spend some time online and ask some tough questions of yourself, the answers you come up with just might make health insurance a lot more affordable than you ever thought possible. The key is to compare low cost health insurance plans side-by-side until you find the one that’s right for you.

Female hair loss and menopause

Menopause is one of the most common causes of female hair loss and one of the least happily endured symptom. Female hair loss can be pretty devastating to any woman in today’s modern society, which emphasizes the importance of an attractive hairdo. Just think on the thriving multi-billion dollar in the hair care industry and the numerous advertisements on shampoo, styling products and hair loss treatments.

Like childbirth, menopause is a natural occurring state for women and – also like childbirth – the changes manifested in the body can be traumatic. Women begin menopause between the ages of 30 and 70, with most beginning between the mid 40s and mid 50s. However, menopause can occur unnaturally, that is, after surgery or medical treatment. In this case, the symptoms may be much more severe and female hair loss is much more likely.

Female hair loss is not a guaranteed symptom of menopause. It is less common than, for example, hot flashes and mood changes. Women experience female hair loss to varying degrees and some don't experience at all.

Exactly what causes hair loss is still not clear. But many experts have said that the most common cause is androgenetic alopecia or genetic balding. This refers to a genetic process whereby individual hair follicles metabolizes the sex hormone testosterone. Menopausal women experiencing hair loss experience a higher rate of testosterone to dihydrotestosterone, or DHT. It is the effect of DHT on hair follicles that results in heair loss.

In the same respect, women who have abnormally high levels of male sex hormones can also experience thinning of scalp hair. Signs that these women display include plenty of body and facial hair, abnormal menstrual patterns and enlarged clitoris.

In addition, factors like anemia, thyroid disorders, fungal infections and stressful life situations can cause hair loss in menopausal women.

In the same way that female hair loss shows itself as a manifestation about three months after the originating cause begins, so too does female hair loss take about three months to show the effects of treatment. Estrogenic treatments like soy isoflavones or hormone replace therapies, will need to be implemented for about three months before you can determine whether or not it's working for you.

How negative a menopausal woman feels towards her hair loss differs from individual to individual. In situations where it affects her quality of life and self esteem, it is best to address the problem quickly. A proper evaluation by a professional for causes of hair loss is necessary to determine the underlying medical conditions and an appropriate course of treatment that produce the condition.

Bereavement poetry meaningful words for memorial services

The loss of a loved one is the hardest thing that you will ever have to go through in your life, and you might find that at many times you feel hopeless. There are lights at the end of every darkness in life and the death of a loved one is no exception. There are many ways to deal with the death of a loved one, and there are many things that you can do to help yourself or to help someone else who is dealing with death. The use of bereavement poems can greatly help someone, or yourself, cope with the loss that is facing them.

A bereavement poem is a poem that you can use in a eulogy, a remembrance service or on a memorial site as a way to deal with the death of a loved one through imagery and words. When you are having a service, when you need something to get you through it, or when you are looking at words to have posted somewhere in memory of your loved one, a funeral or memorial poem is something that you might want to think about.

There have been many in memory of poems that have been written in the past for many situations. There are funeral poems for the loss of parents and grandparents, or children, or friends or other family members. Each memory poem has the potential to speak to your heart and to the hearts of the people who have lost loved ones. A memorial poem is designed to help with the coping process.

When you are thinking about poems for funerals, there are a couple things that you want to remember. Poems for memorial services should somehow have reference to the person that you have lost – their life, their loves, their faith or something that they loved. You want to be sure that the poem you have chosen is one that is going to speak to you and speak to the other grieving family members.

A well-chosen funeral poem can be something that you hang on to for a long time. You may want to consider printing copies of the memorial service poem to keep and to give to others who want to keep it. By having this poem with you and keeping it along with photos of your loved one either in a scrap book or on an online memorial website, you have words that you can always go back to for a memory. Writing down feelings either in prose or in poetry is highly recommended as a way to deal with severe grief.

All of the memories that you have wrapped up in a certain person can be easily expressed with a well chosen funeral poem and you will be able to keep these words as a memorial for a long time to come. Share a poem with others in hopes of helping them deal with their grief over losing a loved one. It is only by dealing with the grief that comes with losing a loved one that you can truly come out on the other side and learn to live your life again.

~ Ben Anton, 2007