Tuesday 31 May 2016

Mortgage refinancing for people with bad credit how to choose a refi lender

If you have bad credit, choosing to refinance your home mortgage may help improve your situation. Why? For starters, when most homeowners refinance their loan, they do so to acquire a lower rate, which lowers their monthly mortgage payment. In addition, obtaining a cash-out refinance will provide homeowners with the extra funds to reduce debts and payoff bills.


Benefits of Refinancing with Bad Credit


Refinancing your mortgage with bad credit has several benefits. A huge advantage involves the ability to reduce and eliminate your debts. Bad credit occurs gradually over time. For the most part, consumers receive a bad credit status by paying bills late, having several missed payments, and acquiring too much debt.


A mortgage refinancing can be a solution to credit problems. After you obtain the funds from the refinancing and payoff credit balances, your credit score will begin to show improvements. Of course, the tricky part is getting a mortgage refinance with a good rate.


If you have bad credit, obtaining a low rate loan is challenging. Fortunately, there are various lenders willing to offer comparable rates to you. Because a mortgage refinancing creates an entirely new home loan, and the loan is secured, most lenders are eager to do business with a bad credit applicant. If you default on the mortgage loan, the lender will simply foreclose the property and resell.


How to Choose a Bad Credit Refi Lender?


There are several tips for selecting a refinance lender that offers loans to people with poor credit. In fact, your current lender may specialize in sub prime loans. Thus, it will be to your advantage to contact your lender and request a quote. Because lenders want to keep customers, they may offer you the best rate.


After obtaining a quote from your existing lender, contact an online mortgage broker and complete an application or quote request. Working with brokers is fast, easy, and convenient. Brokers have a database of various prospective lenders. Upon reviewing your information, the broker will match you will suitable lenders. Next, you will receive quotes from at least four lenders.


Lender quotes will include all pertinent information such as rates, terms, services, estimated costs, etc. Once you choose the lender with the best offer, submit an official application. You can expect to close on the loan within 30 days.


Many advantages of polywood

Poly-Wood is a term quickly sweeping the country, not because it is new on the scene. Perhaps because the United States is starting to catch on to what two very innovative men found out a long time ago in a garage in Indiana? Poly-Wood HDPE plastic lumber is the ideal recycled material for constructing outdoor patio furniture built to withstand the elements.


Poly-Wood is a high quality, durable lumber substitute made from high density recycled plastic polymer. The unique qualities and nature of polywood make it flexible, comfortable and ideal for manufacturing outdoor patio furniture. The polywood plastic lumber is extruded from pellets of recycled milk jugs into plastic lumber that can be cut, routered, screwed and assembled into sustainable outdoor patio furniture that will last for years and years.


One of the many favorable features of polywood is the virtually maintenance free care that is needed to keep your outdoor furniture looking new - year after year. Polywood is compounded with permanent, UV stabilized colors through and through the polywood lumber. This eliminates the need for sanding, painting, waterproofing, stripping or refinishing on your polywood patio furniture.


Cleaning polywood is as easy as soap and water. Got a tough stain? Polywood can be cleaned with 1 part bleach to 2 part water for any stubborn stains with a cloth or soft bristle brush. You do not have to sand, paint or refinish each spring season to prepare your outdoor patio for entertaining. Another popular method of cleaning polywood is a high-pressure power washer.


Polywood is nearly double the density of traditional wood and will withstand the windiest conditions. With an exceptional moisture resistance you will not have to worry about rotting, warping, cracking, splintering or support of bacterial growth. You will also find that polywood is impervious to many common corrosive substances including salt water and chlorine allowing you to leave your poly-wood furniture out all year-round.


Polywood is backed by a manufacturer’s warranty that guarantees to the original purchaser for a period of five years for residential use from the date of purchase against any defects in the manufacturing or workmanship of the polywood furniture components. That is how confident they are on the products characteristics. The polywood lumber is attached with commercial grade stainless steel hardware that has an additional 'xylan' protective and cosmetic coating. The quality of the hardware has a high level of corrosive resistance, the hardware can show some sign of corrosion in salty air environments.


So, to wrap it all up polywood is a recycled substance that saved milk jugs and containers from our overflowing landfills which is formed and then cut and assembled into outdoor patio furniture. Polywood offers maintenance free care regardless of whether you live in the mountains, on the beach, surrounded by the plains, in rainy or sunny weather. Leave this unique, sustainable polywood lumber furniture out in all weather as it has proven to be impervious to the effects of mother-nature for over 18 years. PolyWood is used to construct PolyWood premium outdoor furniture that will bring you a casual existence with its simplicity, durability and quality.


Understanding autism in children

Do you know autism affects male children four times more than female children? The characteristic feature of autism in children includes non-verbal and impaired verbal communication. In addition to this the autism in children creates imaginative social interaction and activity. Infantile autism in children develops at about 30 months of age. Autism in children is a condition in which they find it difficult to build normal relationships with others. This can easily be diagnosed by disturbances normal characteristic behaviors.


It has been found that autism in children is occurring at a rate of 4 in 10,000 children. Moreover, autism in children is considered a lifelong disease. The occurrence of the disease ranges from mild to severe. In mild form, the child with autism can live independently, whereas in severe form the autism requires medical supervision and support throughout his/her life.


The risk factors and causes of autism include viral infection. Viral infection, mainly rubella virus during the first term of pregnancy, may predispose the occurrence of autism in children. Genetic, traumatic and infectious factors are the physical bases considered to be the main culprits for the occurrence of autism in children. In early stages, it has been considered that the autism in children is mainly induced by the parents, but it is not true.


Autism in children can occur in two forms: Patients exhibit the symptoms of autism within the first few months of life, or the child would be apparently normal up to 18 to 24 months of age, and then the symptoms would occur suddenly.


The symptoms of autism in children include nonverbal and verbal communication skills, along with odd facial expressions and speech difficulties. The language used by the children in the autism is often immature, unimaginative and not concrete. The language will be stilted in nature. Keep in mind that all of these symptoms may not be present in all children with autism.


Children with autism can also be less aware of stimulus in the external environment. In some cases, they are unable to recognize their parents after the first few months of life. Autism in children can lead to toilet training problems. The autism in children can hamper the child’s ability to smile and show emotion and can end with behavioral abnormalities, such as walking on tiptoe, tantrums, unpredictable behavior, strange postures, staring at hands, and rocking.


They may also prefer playing alone, remain aloof, and become segregated from other children. Autism in children may cause the affected child to become obsessed with one action or topic, and extreme confrontation to change of any kind. The children with autism may want to set a separate environment for themselves and also may establish their own behavioral patterns.


Monday 30 May 2016

Why golfers need to warm up

Warming up before a game of golf is important especially if you are new to a course and want to play your best. Most people warm up at the driving range or warm-up area provided by the golf course. If you are tempted to skip the warm-up session and begin playing, you not do as well as you want to because muscles need time to stretch irregular use. Since you probably don't golf everyday, you will be using muscles that are seldom used otherwise, so warming up is important for your body and your golf game.


There are many ways that people prepare themselves for a game of golf. They practice their golf swing using irons, woods, and putters, they put themselves in a positive mood by emphasizing what they are good at and ignoring their faults. Many times the reason you are not playing up to your potential is because you aren't mentally prepared. Putting yourself in a good mood can help you focus and concentrate on playing a good game.


For any golfer, taking the time to warm up is a way to relax. It is not the time to use clubs you have not used before or try a new stance. When you are taking lessons or hitting golf balls at the driving range, then you can try new techniques. Warm up with your best swings so you can use the momentum to play well during the actual game.


While waiting for your turn at the tee, visually see yourself performing well. This will prepare you for any obstacles along the way. You should also determine which way the wind is blowing, what the conditions of the course are like, and how the course is laid out if you have never played it before. This information will help you set up your shot so you can begin the game on a high note.


As you become better at the game of golf, you may want to alter your warm up strategy. This is fine as long as you use the time wisely. If you have a weakness you know you have to conquer, planning your game strategy while warming up can help you focus on overcoming your weakness by replacing it with something positive. Because you know when during the game your weakness will come up, you can plan ahead during the warm up session. Using a different club, using a slice to your advantage, or learning more about the course are all ways to compensate for issues you have on the course.


Saturday 28 May 2016

How to get cheap airline tickets to hawaii

Do you wish to go to Oahu or surfing in Maui? Do you dream about seeing the colors of Honolulu and smelling the fragrant scents of the frangipani?


If you answer “yes” to all of these questions, then you should start packing for a trip to glorious island of Hawaii! But wait a minute, isn’t there something you should be doing first? Of course, you should be planning your trip!


Planning is always essential and with it carries the question of how much money do you have? Do you think it will be enough to give you a grand old time in Hawaii? Or could you use a bit more? Do you need to adjust your budget just a little? How about trying to find some cheap airline tickets to Hawaii?


Cheap airline tickets to Hawaii may just be the solution when you need to solve your budget problems. If you manage to find some cheap airline tickets to Hawaii, then you could probably allot enough money for your stay in Hawaii and do a little shopping or bar-hopping. If you find some cheap airline tickets to Hawaii, you need not be on the borderline of your pockets and scrimp on some holiday essentials when you get there.


You want to go on a vacation, and you certainly want to be able to do anything, buy anything and go anywhere you like in Hawaii. But you would never be able to do that if you keep worrying about your budget. So let’s go and find some cheap airline tickets to Hawaii.


Finding cheap airline tickets to Hawaii is quite easy but you need to look hard for it.


Although by a sheer stroke of luck and coincidence you could stumble upon some cheap airline tickets to Hawaii just lying around. But that is not likely most of the time. In reality you need to observe a few tips that you can use to find those cheap airline tickets to Hawaii.


You need to check out airlines that specialize in Hawaii trips. Chances are, these airlines would be able to offer you the lowest prices for those cheap airline tickets to Hawaii. You could be able to buy cheap airline tickets to Hawaii direct from them because they have direct access to the resources needed for your flight to Hawaii.


Some airlines also need to attract more customers, particularly during lean months and off-peak seasons so they might out of necessity offer cheap airline ticket to Hawaii.


Bigger airlines, on the other hand, may not offer you those cheap airline tickets to Hawaii because of the fact that they are already plagued with a majority of the market buyers in their hands. They may not need to try to attract another customer with their low prices because they have established a name for themselves. You also need to understand the rules of demand and supply where cheap airline tickets to Hawaii are available if only a few people would want them, but as soon as demand goes up, prices rise too. So if you wish to travel to Hawaii, do it during an off-season, not when everyone else is looking and trying to beat one another for cheap airline tickets to Hawaii.


Ticket prices also change constantly so you need monitor those cheap airline tickets to Hawaii very closely. You may be shocked when you finally decide on that trip and the tickets won’t necessarily be as cheap as it was advertised a few days or even hours ago.


You should not also rely solely on one travel site. Internet travel sites update their content frequently during various times of the day. So when you check out the prices on one site, the prices may differ on another. Vigilance is the key when finding and purchasing cheap airline tickets to Hawaii.


Website design considerations

There are several heavy duty website design and HTML editing programs out there to help you design, write, and publish your website, Blog, or newsletter template. They are, however, not the be all and end all. Anyone wanting a properly working web site must...simply must...have some knowledge of script and code as well as search engine optimization techniques and internet promotion tactics.


These cover email lists, advertising, press releases, Blogs, article writing, wholesaling and drop shipping, website design, SEO and other promotions.


A decent doorway can be a simple information site. It doesn't need much in the way of graphics or website design prowess, and can even simply be one page as we see in most internet MLM. The great sales gurus of the world wide web raking in the big bucks typically have one web site though they may be selling several products. Each product has it's own sales pitch page...just one page. KISS (keep it simple stupid) is the golden rule!


When most people create doorways, they are trying to get something for nothing. They spend small (sometimes large) fortunes buying information from illusionists who use slight of hand to tell their customers just enough to keep them coming back and purchasing one more "How To" E-Book.


Without proper experience or website design background many mistakes are made. First, try analyzing the web site of the information promoter, and try copying what he or she is doing and not get caught in the trap of just doing as they say. They have no incentive to give you or me the real deal...the whole truth and nothing but the truth. If they lay it all out step by step they are immediately out of business. What would they then sell you in their follow up e-mails?


Although Microsoft had such a template in their web design software in '98, I think it was, it would be considered crass and distasteful to make your website look like the command center of the starship Enterprise. Now remember the old Tennessee Mountain Man is as about as backwoods as it gets and even I chuckled at how red neck the polished Microsoft Corporation rendition was. Having said that, a few smatterings of high tech applications can give your website design reputation a good boost especially among the younger generation, the 'wanna be', the treckie, and the 2.0 socialite. Know your audience. Who do you want to reach? Don't over do it! Regardless of what the SEO purists say, content is still king. Keep it simple. Keep it clean.


Start with as clear and simple website design as possible. Some sites will require more dazzle than others. But, remember, the more bells and whistles the slower the web site loads and responds to browsers and searchers.


A good website design should be easy for your human visitors to navigate, enjoy, and understand. At the same time it should also be intelligible for the search engine robots that also visit your site. It must be accommodating to cross browser platforms such as internet explorer, Netscape, ougo, AOL, fire fox, opera and more.


Your goal is to attain the best level of internet marketing. As 12steppers would rightly say, "there is no easier softer way". There is no free lunch. There is no such thing as working 30 minutes a day with a site on auto pilot while you rake in millions while frolicking with Playboy Bunnies on your yacht so get that picture out of your mind right now.


Proper marketing goes a long way in attracting the target customers to your website and thereby, achieving maximum commercial success in the long run. It is a process. This is not for Harry Potter nor Bur Rabbit. The DSL Turtles actually have the advantage here. Take it easy, but get it done. Procrastination is a killer!


In order to maximize target audience visits to a website, one of the first steps to be taken is creating a website design that simultaneously runs parallel to your business objectives and is attractive enough to engage the attention of your visitors.


Your website design is the first impression. If it is a mess or if no one can find it and potential customers never see it, it is also the last impression. Either they never got there or they never stayed or they had no reason to return.


You must decide if you really have the time, knowledge and technical ability to devote to website design and, most importantly, keeping that site maintained and up to date? If not, maybe you should concentrate on growing your business and let a website design professional concentrate on making your website work for you.


Friday 27 May 2016

When your debts get tougher

Financial problems are ones of the most difficult to solve.


We cannot do away with them because there will be points of our lives when we need to ask somebody to lend us some amount: big or small. Inevitable situations like death of the breadwinner in a family, terrible sickness or any emergency for that matter and so many credit cards to pay for. These push someone to lend money.


You can lend money in the fastest way available now. With an advanced system of money lending today, you will really be tempt to give it a try. Borrow fast and pay slow or possibilities may not be favorable to you. Worst, you will have a hard time paying for them. This is where bankruptcy knocks on. Bankruptcy is fatal. Yes, it is a figurative way of telling how bankruptcy may bring the most negative effects to a person or to a home.


When one faces this so tough problem, the bankruptcy laws with a lawyer’s help may ease the burden. Your lawyer may give u good advice like talking to your creditor asking them to lower down a bit or ask them to give you more time to pay. Another option is to seek advice from a credit counseling service. Private or public, they will help you deal with this situation and may help you negotiate with your creditors. The last available option is debt consolidation.


US bankruptcy laws offer two options for bankruptcy. One can choose between liquidation plan and repayment plan. These have both advantages and disadvantages. Consider all the sides of the situation and choose what suits you best.


You start your move to survive against bankruptcy by bankruptcy proceedings. This is commenced by filing bankruptcy forms. One gives his or her personal information. This includes your list of assets and liabilities. A meeting with one’s creditors will happen after a month. In most cases, creditors do not show up. This meeting aims to ask and confirm what one has written on the form. An interrogation will let you answer questions regarding your assets and liabilities. One’s lawyer is always there to help him or her out.


Under the bankruptcy laws, its will protect you from the harassment of your creditors before the proceeding starts It means you will not experience all those pressing calls forcing you to pay as soon as the next day. Creditors are not allowed to contact you during unreasonable hours. In addition, creditors must not leak your situation in your workplace. It will just modify the way your work image to your boss. Moreover, creditors are asked to cancel any means of hurrying you up to pay. Another important point is that your current employer is not allowed to use your bankruptcy as a reason for firing you out of a company.


A trustee appointed by the court will work with you after you have filed your bankruptcy forms. In the liquidation proceeding and repayment option, the trustee portrays different roles. He has the role to sell your assets and the money acquired will be distributed among your creditors. That is his role on the former. On the latter, he has the role of collecting payments from you and he will distribute them to your creditors. He also takes control in approving any of your new credit obligations.


After the bankruptcy proceedings, the court will end your accountability to dischargeable debts. For a span of ten years, all your bankruptcy proceeding records will be noted. Within this span of time, this record will be considered by any agency or person you wish to transact business with. The proceeding and all is not for free but one will not pay too much. An amount for the forms is the only thing to pay for. For a repayment option, one needs to pay like 10% of the amount you paid for the creditors. Lawyer’s fee may soar but the result will send one to greater heights.


Bankruptcy is inevitable. It may be the test of fate. But do not even let it test you.


Measuring customer service performance - crm kpi

“Thank you for calling XYZ Widgets. Can I help you?” CLICK.


How many times has that happened? A person works through a myriad of push buttons that would puzzle the most obsessive Sudoku junkie and then, after 15 minutes of finger exercise when they finally reach an actual person the line inexplicably goes dead. Who's to blame? Is it the fault of the telephone company? Has technology once again run amok? It's more likely that the caller has been the victim of a poorly thought out Customer Service Performance KPI.


It works something like this. Call Center operators are largely unsupervised, sitting in a cubicle answering hundreds of calls a day. Even though the calls are occasionally monitored the vast majority of the time the operator knows that no one will be listening in. So what motivates the quick hang up? Because the operator knows that the monthly performance bonus is based on one thing and one thing only: how many calls are processed in a given shift? Whether the customer is actually satisfied or not is practically irrelevant. That only relevant factor is the number of calls “processed,” not whether or not those calls are effective.


A similar scenario takes place when the order comes down from the executive offices that no call should take longer than 13 minutes (or some other arbitrary number) to complete. The call center employees' performance bonus is based on clearing calls quickly and “efficiently.” That's all well and good until a major issue comes up that takes longer than 20 minutes and then, suddenly the previously helpful call center rep is doing everything possible to hustle the caller off of the line.


As long as Customer Service Performance KPI is based on the quantifiable rather than the true level of satisfaction of the Customer, these scenarios will continue to frustrate the buying public. That is why many companies have introduced a more reliable system of measuring Customer Service Performance. These new KPI more accurately reflect whether or not the Customer actually feels like they have received a level of service that meets their needs. These models look something like this: When the clients' questions have all been answered a series of questions are asked by the Customer Service rep. “Are you satisfied with the responses to your queries?” “Were your questions answered adequately and professionally?” “Is there anything else we can help you with today?” Sometimes these questions are asked by the rep themselves and sometimes a follow up call is made by a supervisor or another rep. The employees` primary KPI is based on the customers` answers to these questions.


The more often primary Customer Service KPI is based on mere quantity, the less true Customer Satisfaction is going to take place. The only accurate KPI for Customer Service Performance is the actual perception of the Customer as to whether or not they received adequate service.


Why consider oil and gas investing

Investors always want to know what the odds of losing their capital will be. Investors want to know when they will begin making money after sending funds to participate in any investment offering. This is the development time risk. Three, Investors want to know how good the profit structure is, or more specifically, how much money will they make during the life of the investment? I would add a fourth and fifth concern which would be what tax write-offs are there, and finally, what liquidity is there going to be in the investment, or in other words...what's the exit strategy, if any?


Risk is of primary concern to anyone who is expecting to make money, and the deciding of who with, and where to invest hard earned money are the key questions. Upside, downside, and everything else in between are all factors when an intelligent investor analyses any investment, and determines how much, or little to choose to invest. There are many types of risk...I would like to list some of them based on my own experience, considerable research done during the past 24 years, and based on some failures I've also had over the years.


There is a people risk...finding the right people is absolutely essential, in fact I believe this to be the single most important requirement before doing any business with anyone...bad people screw-up great deals. Finding trained, experienced, and highly motivated professionals who don't quit until the job is done right, and in a reasonable period of time can be difficult. People who can work together while finding the crews, and equipment you need to develop the leases, and fields you have so carefully selected, is not easy. It can make or break-you. Relationships based on years of working together is your best insurance of getting the necessary, and correctly accomplished development work you need done in timely fashion.


Track records are important, but hard to quantify in oil & gas, simply because like the movies, you are only as good as your last picture show. Well meaning, and extremely competent professional people, working with great teams, and putting a great deal together can lose, or not succeed with every endeavor, irregardless of their desire to do well, or regardless of their wonderful technical abilities and experience. It's always really important to keep this in mind...however, working with incompetent people, or people who don't know how to get the job done right, or regularly finish what they start isn't an acceptable outcome. You need to avoid these often fairly confident sounding people when you first begin talking with them, and there are some excellant clues to look for when trying to decide who to avoid.


The deal is of paramount importance of course, but how it's structured to provide you with upside, while minimizing downside, providing diversificiation, and being achievable at the same time, and in a reasonable period of time is still a significant challenge...the premise of any oil & gas deal has to be supportable with good history, logic, geology, engineering, and just plain has to make good sense, for both area and the time.


Some oil & gas drilling, and developmental areas in the US are intrinsically very risky for example...the Gulf Coast is one such area, and it's where the faint of heart should not venture...costs are extremely high, as are the technical risks of failure, of which there are many. The statistical track record for most participants in the Gulf Coast area is less than a 50% hit rate of completing commercial wells, even when finding recoverable reserves. Competition in the Gulf Coast areas is brutal, and the big boys control the lay of the land...you've all heard of the expression, 'my way, or the hi-way'?


Previously drilled and developed older areas which have historically produced many millions of barrels of oil in the past, and are still doing so right now. These areas are being re-visited by large independents, and the majors, because they often have much less risk than new exploratory offshore areas. Wells can be placed into production for far less money, and much quicker than the big new fields being discovered elsewhere. Many of these older fields may not have such exciting upside, however higher prices in oil and gas now support the return to some of these areas even though they have been depleted of their primary recoverable reserves of oil & gas. Secondary drilling and recovery methods can rival, and exceed the outcomes relative to both rates of return, and upside you might get in the Gulf Coast states, or with offshore drilling programs. Actually, since the late 70's most of the middle east oil fields are in secondary recovery, and are being water flooded, which is the principal means of recovering the last remaining reserves in place in an oil field.


Finally, there is the price risk, or volatility risk...oil & gas prices are high, particularly oil prices, which are going-up in the foreseeable future, or within the time lines we are investing, and developing new oil & gas projects being planned during the next ten years...there will be alternate energy sources, and conservation efforts, but demand will be greater than supply capabilities based on my research.


Berlin flats the frugal traveler s choice of home in the capital

Berlin flats are one of the reasons Berlin is a truly wonderful city to immerse yourself into.


Berlin, Germany is one of the top tourist destinations in the world. Visitors from around the world flock to Germany's capital city, which also happens to be the only truly international metropolis that is comparable to Paris or London.


What makes Berlin a must-visit place? Many say the city's appeal lies not only in its highly prominent role in history, but also in the spirit and bounce of the city and its people. Berlin has Macht und Geist, that powerful combination of power and intellect. It is an important hub of culture, contemporary architecture, nightlife, and avant-garde artistry. It is therefore no surprise that Berlin is such a riveting magnet to individuals who are drawn to artistic freedom, liberal lifestyle, and urban eclecticism.


Be Kind to Your Wallet.


If you're a tourist and are seeing Berlin for the first time, experience all that the city has to offer more concretely and thoroughly by choosing Berlin flats over hotels. If you plan to stay in the city far longer than tourists normally do, then Berlin flats are also the most economical option for you. Everything in Berlin has great architecture, even run-down East Berlin flats. Though built to maximize the use of space, they hold a whimsical, old world appeal and look like lego bricks stacked on top of each other. Berlin flats allow you to experience German life first-hand. Moreover, they are budget-friendly because they are much cheaper than hotel rooms.


There are many affordable flats in Berlin, and this is largely due to the disparity between the sheer number of apartments available and the actual number of people who choose to live there. Berlin flats are so affordable that if you are a tourist used to New York or London prices, you would find the rent laughable.


Where Does One Find Berlin Flats?


So, how do you go about finding Berlin flats? You may book online or try your luck with newspapers, magazines, and agents. Online, you may book through any of the real estate websites in Germany. In newspapers and magazines, look at the Wohnen section. Wohnen means Living, and this is the section in magazines and newspapers where you will find a listing of Berlin flats. Among the newspapers that you can try are the Berliner Zeitun, Der Tagesspiegel, and the Berliner Morgenpost. The leading private advertising paper, Zweite Hand, is also a good bet because every Saturday, it features hundreds of listings for every flat size and type imaginable. Now, should you decide to use the services of an agent, be warned that such services can set you back between 15% to 100% of one month's Kaltmiete, or the equivalent of one month's rent without side costs in the form of utilities, for example. The good thing about this option, though, is that you can have the agent do the paperwork for you. There are many agencies to choose from and you can shop for your agency of choice online or from telephone directories.


It has been said that the best way to acquaint yourself with a city is to experience the parts of it that are ordinary and real. No part could be more ordinary or real than Berlin flats.


Thursday 26 May 2016

A beautiful complexion is more than skin deep

When you see someone with beautiful skin, that person radiates good health and vitality. Usually, that kind of radiance requires more than just slathering on any old facial product.


A healthy lifestyle and great skin-care habits produce glowing, youthful-looking skin. So what you put in your body is equally as important as what you put on it.


Here are some tips for naturally gorgeous skin.


* Maintain a balanced diet. Consuming too much refined food, such as sugar, can drain the body of essential vitamins and minerals. This, in turn, encourages wrinkles and premature aging. Eat foods that are rich in vitamins and essential fatty acids, such as fruits, vegetables and fish. Also, drink at least eight glasses of water a day.


* Exercise. Working out brings more oxygen to your skin cells, leaving you with skin that's nourished and more firm. Exercise also helps reduce stress. Studies show that too much stress can potentially aggravate skin conditions, such as acne and hives.


* Find natural skin care products. The most revolutionary skin-care products today merge nature with science. For example, the new Nature's Gate Organics Advanced Skin Care line takes the best that Mother Nature has to offer and combines those ingredients with formulations that are scientifically proven to benefit the skin.


Nature's Gate Organics' Oh What a Night, a cream that hydrates skin overnight using walnut seed extract and European beech tree buds, shields against early visible signs of aging. Have a Vine Day, a day cream that contains chardonnay grape seed extract, helps tired-looking skin look visibly lifted and smoother. And Forget Your Lines, a wrinkle diffuser serum that works like natural Botox, helps to de-stress skin.


* Protect your skin from harsh rays. Exposure to the sun can cause premature aging and skin discoloration, increasing your risk of skin cancer. Apply sunscreen daily and wear a brimmed hat whenever possible.


Home remedies for puffy eyes

Eyes that are bright and sparkling attract attention. Puffy or red eyes are lack luster and make you look tired and ill. Puffy eyes are one of the most common beauty problems. Puffiness is often caused by the accumulation of fluids around the eye. Besides sleeping on your face, crying or lack of sleep, if you're menstruating or pregnant, retaining food, eating salty food or drinking water less than two hours before bed, you’re likely to wake up with puffy eyes.


Rubbing aggravates irritation and tends to make your eyes puffier. For immediate relief, do not rub your eyes when you see them puffy.


Nature's best ingredients for removing puffy eyes are cucumber and potato. Take a small raw potato or cucumber, slice it into small pieces and blend to a fine consistency. Strain the excess juice and reserve the pulp. Make a cup of basil tea and mix it well with the pulp. Pour the mixture into ice tray and freeze it. Whenever you have puffy or red eyes, dab the ice cube on your closed eyes for some time. Rinse your eyelids gently and pat dry.


Use your middle finger and gently press along the eyebrow and around the eye socket. This will stimulate the lymphatic system and help drain excess fluid. The swelling will reduce.


Take a rounded metal spoon and place it in your fridge for few minutes. When it gets cold, take it out and hold the rounded portion against your eye for few minutes. This helps in reducing the puffiness.


To make your red or sore eyes look healthy and sparkling, mix 2 tbsp water to a glass of mineral water. Bathe your eyes in this solution 3-4 times a day.


Apply a cold compress on your eyes such as cloth dipped in cold water or ice cubes in a wash cloth. When the cloth feels warm, dip it in cold water again or add more ice. Repeat this at least 4-5 times or till you feel the puffs under your eyes drained out.


Applying cold tea bag wrapped in tissue on closed eyes makes the skin taut and reduces puffiness. The natural astringent in tea - tannin works wonders.


Strips of grated potato or cucumber placed under the eyes helps to reduce the swelling.


Soak cotton wool pad either in iced water or ice cold milk. Lie down with dampened pads over your closed eyes. Replace the pads when warm. Continue to till puffiness reduces. This also brightens the whites of your eyes.


By drinking enough water, your body will stay hydrated and will reduce the puffiness around your eyes.


Make sure you get enough sleep with regular timings. Inadequate sleep shows on the eyes more than on any other part of the body. Sleep soothes the eyes and relieves fatigue.


Dip cotton wool pads in ice-cold rose water. Use them as eye pads over closed eyes.


Stiffly beat few egg whites. Add a drop or two of witch hazel. Apply to the face and under the eyes with a brush. This will make the skin feel tighter and look less puffy.


If you keep your head in an elevated position while you sleep, it discourages fluids from settling around your eyes.


Avoid eating salty foods like chips, pickles, drinking alcohol that retains fluids that settles in the eye area.


The reader of this article should exercise all precautions while following instructions on the recipes from this article. Avoid using if you are allergic to something. The responsibility lies with the reader, not the site, and the writer.


Wednesday 25 May 2016

Moving through breakdowns with transformation

Success in recovery, or rather, staying in recovery, is dependent upon a variety of factors. For example, it appears that attending daily NA or AA meetings and staying in communication with ones chosen sponsor will definitely assist an individual in successfully implementing his recovery plan. Getting and staying committed to working the 12 Step Program also appears to increase the probability of the person staying abstinent from drugs and alcohol. While the above-mentioned elements of a persons overall recovery plan are crucial to his recovery, another major factor that will greatly influence an individual's continued abstinence is how he is able to handle the breakdowns that happen in life.


Knowing about breakdowns, what they are and how to manage them, is absolutely necessary for one to stay committed to his recovery plan. Breakdowns are what brought an individual into treatment and eventually created the space for him to begin his recovery. Breakdowns also happen while a person is in treatment and will continue to take place after he leaves. Even after successfully completing a treatment program, breakdowns are almost certain to happen as one returns to the community from which he came. In fact, both the client and his counselor should expect breakdowns to occur after treatment. It is for this reason that knowledge of the structure of breakdowns and how to transform them is very important if not crucial for the individual wanting recovery.


What are breakdowns? Experientially breakdowns start to occur when an event or events happen that the individual believes should not happen or ought to happen differently than how they take place. As a result the individual starts to feel frustrated, angry, disappointed or even sad about what is happening in his life. Inside these types of emotions the person starts to become resentful, creating a story about the event and to which he will eventually begin to blame, be it other people, places, things, situations or circumstances for that which is appearing. A breakdown eventuates into a relapse when the individual believes that his experience is intolerable, feels inadequate with respect as to how to handle it and chooses to use drugs or alcohol to reduce the emotional component of that he is experiencing. In this case, a breakdown and ones inability to transform it leads directly to relapse.


Inside the work of transformational counseling, the process of enrollment will assist the individual in becoming authentic where he was being inauthentic and also allow that person to stay in his recovery. Enrollment is the third component of transformational counseling the utilization of which allows the individual to again move out of his self-limiting belief and back into being his created possibilities. When one begins to experience a breakdown he has gone back into being his self-limiting belief. Their will be the pretense of what is happening and that which is again hidden from him hence the created inauthenticity. The technology of the enrollment process allows the individual the ability to transform the experience by being authentic and as a result regaining his power and freedom through being his possibilities. Utilization of the process of enrollment as with transformation itself is a practice that requires a great deal of commitment. As with any skill the structure of enrollment is taught and it is in communication with the persons coach or even sponsor that its implementation is brought forth into the individual’s life.


The first component of enrollment has to do with recognizing when one is in a breakdown. The key to such awareness is to be found in how the individual is feeling about what is happening in his life at any one moment. There are many times in our lives where we do not stop to monitor or become present to how we are feeling. Sometimes we have a tendency to merely ignore or move away from how we are feeling about something or someone. Breakdowns have certain emotions attached to their design. Those most common are emotions such as fear, anxiety, anger, frustration and sadness. The first part of utilizing the enrollment process is to monitor ones feeling state, to become present to how one is feeling and to do so to the point that it becomes part of ones very way of being in the world. Learning how to stay aware of ones emotional state is crucial to being able to successfully transform the breakdown experience that is being created.


The second component has to do with becoming present to the story that the person is creating with respect to the breakdown. While the emotional state of the individual is very important to become aware of, listening to the story that he is creating is also equally of importance. Within a conversation of transformation, every emotion is created by a thought. When there are negative emotions present in a person’s life as he is experiencing a breakdown there are also corresponding thoughts taking place. The thoughts that are taking place will appear as a story in the person’s mind. Within a breakdown the story will be other oriented, involving external people, places, things, circumstance or situations. Within the structure of the story, inherent to it, will be the belief that the external events are the real or true cause of how the person is feeling. It is with these thoughts that the breakdown and inauthentic way of being exists, a pretense that it is about another, hiding what it is truly about. As mentioned above, blame and resentment will eventually result. Becoming present to the story is vital if one is not to impulsively act upon it and as a result bring its destructive consequences into existence with respect to his life. Becoming present or an observer to ones story is crucial to transforming a breakdown.


The third component involves becoming present to ones self-limiting belief, to the source, to that which actually created the breakdown. Becoming present to ones self limiting belief, to that which has determined ones life up until the process of transformation began to take place, is the first component in the process of transformational counseling. Even though the distinction of ones self-limiting belief will create the space for the person to begin to create his life anew, it does not go away, become fixed or get cured. The self-limiting belief, much like a virus that has appeared in the human body, continues to exist. As with any idea that we have or create about us, it is also a way of being. We be or exist by what we think and more specifically by what we think about ourselves. What we are familiar with is being our self-limiting belief in the world. It is familiar for us to think and feel that the world is more powerful and real than we are and furthermore, that it is something that must be controlled and even survived. We will eventually experience a breakdown given our sense of inadequacy with respect to the world as this is how we have been in the community in the past. However, once the self-limiting belief is again distinguished the inauthenticity begins to weaken or be dissolved.


The fourth component of enrollment involves creating a possibility inside the breakdown experience. This act of creation can be to invent a new possibility or enroll oneself back into a person’s previously chosen possibilities. Creating possibilities for ones life is the second component of transformational counseling. However, once we get it that we are being our self limiting belief, that the source of the breakdown is the self limiting belief and not that which the story tends convey, it is at that moment that we can generate a possibility to be at that moment, a possibility to stand inside given the breakdown experience. It is by generating a possibility by our spoken word that the experience itself will transform. The breakdown only happens because of who we are being. It is by causing a possibility to come into existence through our word that the inauthentic way of being completely dissolves and with it the breakdown itself. It is with the creation of a possibility that the person’s power and freedom are once again restored.


The final component of the enrollment technology is acknowledgement. Once the experience is transformed it is important for a person to get the victory that his possibility has made for himself and his life, to acknowledge the difference of such a victory. Acknowledgement is about getting how the created or invented possibility has transformed the breakdown from what it was to that which is truly a breakthrough for the individual, especially with respect to the event or experience occurring. Acknowledgement is about getting the power of our word for allowing us to transform breakdowns into breakthroughs, to once again become our possibilities. It is this acknowledgement that strengthens ones process of transformation leaving the person’s power, freedom and self-expression fully restored. Acknowledgement is about standing in ones possibility, celebrating ones power and freedom having given up being a victim.


The practice of enrollment will make a difference for the person wanting recovery. Applying the technology of enrollment will enable the person to transform a breakdown when it happens and as a result avoid the destructive and possibly even lethal consequences that would have happened as a result of staying in a breakdown. For the individual in recovery, staying in a breakdown only increases the chances that he will turn to drugs and/or alcohol to reduce the emotional component of a breakdown. Staying in a breakdown as opposed to being able to transform tends to lead to relapse. Clients at the Holistic Addiction Treatment Program in North Miami Beach, Florida are taught to distinguish their self-limiting belief, create new possibilities for their life and furthermore, how to utilize the power of enrollment technology. The success of utilizing enrollment and even recovery itself, especially in the early stages of sobriety, will necessitate the person staying in contact with his sponsor or counselor especially when breakdowns happen. It is only in communication with another that the individual will continue to be his possibilities in life.


Harry Henshaw, Ed. D., LMHC


enhancedhealing. com


Tuesday 24 May 2016

Texas renters insurance

Texas Renters Insurance offers benefits many fail to consider until after an incident involving property theft brings loss and pain to their lives. As most local news stations tend to focus on more violent crime and often neglect reporting incidents of home and apartment invasion, most people don’t even think that renters insurance in Texas is something they really need. Unfortunately, this is by no means the case. The sense of violation a home invasion produces psychologically traumatizes the mind, and the financial loss can be immense when one considers that a thief seems to always take what a renter values the most. Texas Home and Auto strives to educate clients in regards to the protection renters insurance in Texas offers against the common perils that affect their personal property.


Many Texans live with the assumption that certain cities are safer than others and offer de facto protection against property crime. This is a myth, and a dangerous one to live by. The city of Dallas, for example, has an outstanding reputation for clean air, beautiful architecture, and progressive technology. At face value, most people moving to Dallas would never consider investing in renters insurance, because Texas tends to brag a great deal on the high quality of life Dallas offers its residents.


The facts strongly point to a need for clarification. Dallas does have a great standard of living, however one should not by any means suppose this eliminates the dire importance of protecting his or her property against a substantial property crime risk.


In 2004 alone, almost 90,000 property crimes occurred, and of that number 75,000 involved thefts, burglaries, and larceny. Other crime statistics follow for other major Texas cities. They warrant careful consideration from anyone renting a home or apartment in these areas:


Houston - population 1,953,631


105,000 thefts, burglaries, and larcenies


5% of the population affected


Austin - population 656,562


30,000 thefts, burglaries, and larcenies


5% of the population affected


San Antonio - population 1,144,646


60,000 thefts, burglaries, and larcenies


5% of the population


We find it interesting that all the major cities in Texas had approximately 5% of their citizenry affected by property crime in 2004. Considering the vast differences in geography, economy, and demographics that distinguish these cities, we have to ask the obvious question: What do they have in common?


You guessed correctly: apartments and tenants of rental properties encompassing all social classes.


Based on this evidence, we believe that home and apartment renters are the most vulnerable to property crime and especially need the protection of Texas rental insurance.


Since most people don’t consciously think of renters insurance in Texas when they invest in coverage, they are often mystified as to what Texas rental insurance actually is, what it covers, and how much it costs. Even if they do realize at some point in time they need it, they often don’t know where to look and what questions to ask.


This is where working with the right agency can save you a lot of money by explaining the many different coverage options that may be available to you. For example a student with computers, manuals and other technology may need very different coverage than mature “empty nester”.


Always look for an agency that will ask you as many detailed questions as possible in order to obtain for you the best possible discounts.


Texas renter insurance offers additional benefits beyond theft protection. It allows the insured to develop a history of maintaining property insurance before purchasing a home. When that person then becomes a homeowner, he or she may very well qualify for reduced rates on homeowners insurance. An even greater benefit, still somewhat new to Texas is that renters insurance offers protection against identity theft. All it takes is one credit card or one bill with a person’s social security number to be stolen, and that person’s credit and reputation can be traumatized for years to come. In a very real sense, Texas renter insurance offers the added value of protecting ones person as well as one’s property.


Seo content writing

Content writer’s main aim is to create a new written piece which is original, simple, engrossing and also to the point. One should always keep this in mind that content writing generally involves thought, research, subbing and editing. Half of your battle is won if the client or visitor likes your writing and also provides him certain benefits he or she is looking for. That’s why it is said that content writing should be done in keeping the target audience in mind. How does that happen? There are a few simple steps to it. Let’s get started.


A - Try to think from the visitor’s point of view. Means understand, listen, think and learn. Before writing give a deep insight to the client’s requirements. This gives you the chance of knowing what client wants to look in the writing. And in any case you’re unsure of the client’s brief and specifications then simply inquire and ask him till your mind is clear of any doubts. Never forget that the content is aimed to target audience and if you can do that, you have delivered the goods.


B - Before getting onto writing, just do some search and research. If you’re unsure about the topic then hunt for some information and its related areas. But prior to that ask the client for useful link to develop content rather then spending time creating something that is not even close to the clients agenda.


C - Content writers should always keep in mind that normal content writing is completely different from SEO content writing. SEO content writing is strategically placed to optimize the search engine rankings of the written pages. That’s why write a foolproof, striking, attention-grabbing content along with the proper keyword placement.


D - SEO content writer must realize that he is targeting the audience as well as the search engine. And his content can either make or break the client’s agenda. Thus, it becomes necessary for the content writer to work in tandem with the business goals of the client.


Content writer must endeavor hard to achieve and maintain high standards in his SEO content writing. He should write and provide a creative, business oriented, keyword centric copy.


Monday 23 May 2016

Do you make these affiliate mistakes

You’ve just come across a fantastic product and you’re thinking of signing up as Affiliate but before you get carried away, here are a few pointers that can save you both time and money!


1.Is the sales letter any good, read the headline first it’s been shown that a good headline makes a big difference (it’s been proven that 75% of people make up their minds of purchasing a product just from reading the headline alone.)


Is the rest of the sales letter any good, do you find yourself reading being drawn through the sales letter? Would you buy the product yourself? If you would, others probably would as well.


2.Are there any “leaks” on the sales page? By leaks I mean are there any thing on the webpage to distract your visitor from making a purchase


or a way for you could lose out a commission.


For example…


• Phone numbers that the buyer could order from and deal directly with the seller, causing you to lose out on a commission,


• E-mail addresses for the same reason as above.


• Excessive pop ups or slow loading webpage’s that can frustrate your prospect. (People on the internet want everything in an instant so don’t expect them to hang around!)


3.Are there any testimonials on the sales page, the more testimonials the better especially showing how the person has benefited from using the product.


4.What kind of guarantee is being offered with the product, is it 30,60 day risk free guarantee. Don’t worry about a longer guarantee costing you money and people asking for their money back as its been shown that the longer the guarantee the less refunds you’ll get.


5.If you can, buy the product so you know yourself if it’s any good there’s no point sending traffic to a website, making some commissions and then finding out the products poor quality and everyone wants their money back.


These tips should save you a lot of time and frustration when looking for a product to become an affiliate of….And remember not everyone surfing the web


is going around with their wallet open looking to purchase something so don’t be disheartened if you get a lot of “No’s” before you get a “Yes.”


Sunday 22 May 2016

Bowling in neighborhood alleys

Parents can get so absorbed in the tasks they do everyday that they fail to spend quality time with their kids. They turn to bowling in neighborhood alleys because this environment is low key and far away from the rush that is going on in the world just outside its doors. A bowling alley can be a noisy place but one that is filled with children who have a chance to be competitive with parents.


Some families choose to formalize their interest in bowling by purchasing bowling balls for every member of the family. There is great excitement at home when each child can reach into their own closet and carry a bag with their name on it to a place that they like being. Owning bowling equipment will also allow families to enjoy bowling quicker because they will no longer have to wait in lines to be fitted with the right shoes or search for the right sized ball for the smallest members in the family.


It is rather easy for a working couple to mark their calendar for bowling. If the married couple participates in a bowling league, they know they will have to devote one day a week to something that they love to do. Finding a sitter for the children will not be a problem because bowling alleys are large enough to bring the entire family in and there are plenty of tables in front of each lane to give children a chance to view the action on the lane in front of them.


People get to know what specials are offered if they bowl at a facility that is in their own neighborhood. Some families allow their children to participate in midnight bowling where the lights are turned off overhead and the alley's are lit in neon hues for a certain number of hours each night. These special nights of bowling will be remembered for years, and will give children the opportunity to make friends with kids that live in their own neighborhood.


Renting bowling equipment is never a problem because bowling alleys are very organized and follow a strict ritual of accounting for the equipment they have. A bowler will be required to return the shoes that are worn, and children learn to unlace the shoes so that the technician can spray them with germicidal agents to make them ready for the next bowler to use.


Bowling balls can be left on the bowling lane or a responsible child could make sure that they were returned to the slot along the wall where they found them. Bowling alleys provide families with a clean place to have fun and spend time. There are many delicious foods that can be prepared and consumed on the premises and most people will use the tables for this feat. Drinks are never allowed in the bowling area, and if families need help with state-of-the-art scoring machines, there are plenty of people in-house that will be willing to help them with it.


Take advantage of discount airline tickets

As most of us are no doubt familiar, there is a huge fluctuation in the prices of airline tickets. Depending on anything from season, how well traveled the route is, and other reasons that seem more mysterious, flight prices change constantly and radically. One of the most important things to consider if you're interested in discount travel is the difference in cost between domestic and international flights, and to use this to your advantage when you want to travel internationally.


In the USA, a typical return flight from New York City to Montreal, Canada, for example costs about $300 for a trip that is just over 1 hour. For roughly the same price, one can fly domestically across the country from New York to Los Angeles - a much longer trip. With very few exceptions, flights are cheaper domestically - they are subject to less taxes and regulations for the airlines, and they are often on more traveled routes so the airlines can afford a discount.


So to take advantage of this - to truly get some discount travel - you should look into splitting your long international flight into 2 flights. Although it's more indirect, and a slight inconvenience, you can save a lot of money this way. For example, if you happen to live in the northern United States and want to go to Latin or South America, you will probably find that it's a lot cheaper to first get a domestic flight to a southern hub like Miami or Dallas and then taking a second flight further south. Even if you live in a big northern city, chances are the direct flight is going to be more. Taking two flights doesn't have to be as inconvenient as you may think. Oftentimes, no overnight stay is required, and if your destination is a common one you may only have short delay.


When looking for discount travel solutions online, you're going to have to use a bit of creative thinking. Most discount flight searching sights are not set-up to search multiple flight routes to your destination. Rather, they are designed to show you the cheapest direct flight between the two points you want to go. So whenever you're comparing prices of a direct flight, it's always a good idea to take a look at an indirect path as well - oftentimes you will be surprised at the savings involved.


It is harder to easily compare different 2-flight routes, and the combinations involved can quickly make things complicated. The two general rules to keep in mind when looking for savings are that you more or less want to fly as close to your destination as possible domestically, and that you want to fly between major hubs. The cheapest of all domestic flights will always be between major hubs (as our New York to LA example shows) so if you plan your trip with that in mind it's likely you will experience significant savings.


Discount travel is as much a science as an art, and those that are good at it are able to come up with creative solutions - a great starting point for becoming an experienced discount traveler is to learn about airline hubs and patterns, and to explore taking to separate flights as opposed to one long one when traveling internationally.


What to expect when you complete a credit card application

You can find a credit card application in your daily postal mail, in your email and you will find all types of credit card applications online. If you want a credit card, if you want a new credit card or even if you are seeking another credit card for your wallet, you can find credit card applications for that particular type of card you want to get. Complete a credit card application to obtain a new line of credit for yourself, your business or even for a child you are sending off to college.


You should know there are different types of credit card applications, such as balance transfers, low interest rate, and you will find special cards for special rewards and needs. Some special reward cards are travel rewards; cash back rewards and low interest rewards. You will find credit card applications for those with bad credit, or you can also find credit card applications for those who are seeking high credit lines. A credit card application can be used to obtain the type of credit card you want to have for your financial security and future.


A credit card application should be filled out completely. You will need to include your name, address, phone number, work information, information about your wages, and your annual income. You will need your credit card information if you are going to transfer balances, and you will need to have your spouse sign the application if you are opening a joint account. A credit card application is not going to take more than a few minutes to complete, online, offline, or in person.


You can complete a credit card application without waiting on the phone or online, and you will get a response to your credit card application in just seconds. When you mail in a credit card application, you have to wait a longer time to get a response, which is generally about two weeks. A credit card application does not take long to fill out, but you determine which method you would like to complete to get a new credit line.


After applying for a credit card, and you find that you are denied, you will get a letter stating that you are not eligible, or perhaps you will get a reply stating that you are qualified but only for a certain savings deposit type credit card. You will on that letter, find a name and address of a company where you can request a free copy of your credit report. You are entitled to that free credit report because you were denied credit, and this is the law.


If you were accepted, you will receive a letter, stating what your new credit line is, what type of credit card you are being issued, and you will be notified in a separate letter with your actual credit card. In still another letter, you should receive your pin number for that credit card. These separate letters are for your protection, so that in case the card was stolen, the person will not have the pin number. If you receive one letter without receiving the others, you should call the credit card company and tell them that there is a problem with that account, and they will reissue you a credit card, and cancel the one that is lost so there is no problems at all with your new account.


Saturday 21 May 2016

Construction loans- good as an interim measure of financing construction activity

Construction of your house is going on at a normal pace when the depleting finances threaten to disrupt the process. The derailment in the construction activity will significantly increase the cost of construction. If arranging finance within such a short notice is turning out to be a difficult proposition for you, then a construction loan will be helpful.


Construction loan is a short-term loan unlike mortgages and home loans that have a protracted repayment. The loan provider in this case will offer the loan until the borrower regains the occupancy rights to the home. This means that as soon as the borrower completes construction and makes the home as a primary residence or a second home, the loan is due for repayment.


There are no standardized guidelines to state the terms of the construction loan as in case of mortgages, which are governed by the rules made in Financial Standards Association (FSA). Depending on the individual case specifications and the degree of consideration that a borrower receives from the lender, a borrower may be able to get construction loans at differing terms.


The rate of interest for instance will be derived depending on the stage at which the construction is, and with all parties to the agreement, i. e. lender, borrower, and contractor (if any) consenting to the rate found. Since it is a short-term loan, construction loan borrowers must be prepared to shell out a greater amount as the rate of interest. Mostly the rate of interest is charged on the basis of adjustable/ variable rates.


Another distinguishing feature of construction loan is that it is generally repayable through small interest-only repayments. This makes them more convenient for borrowers since the repayable instalment further lessens. However, this may be taxing for people who will find it difficult to arrange the entire amount immediately after completing the construction of home, which in itself is an expensive affair.


For long-term financing needs, the construction loan has to be converted into a permanent loan known as a take-out loan. The conversion gives additional finance to the borrower along with an extended term of repayment. Till the borrower finishes construction, it is a construction loan. As soon as the construction is over, the loan is converted into a mortgage.


However, this has its drawbacks. Borrower is locked in the deal at the terms of the lenders. The options available are limited. Either accept the terms of the lender or make an immediate repayment. And a majority of the borrowers go for the former, i. e. accept the deal being offered by the loan provider.


Rate lock is an important method by which borrowers can escape the vagaries of the interest rate. The method of rate lock does not allow the rate of interest from rising beyond a certain level. The number of days that the borrower wants the rate lock to be in effect will decide its price. Rate locks are typically for a period ranging from 30 to 60 days. Rate locks become a limitation when the rate outside fall further.


In construction loans, as in case of mortgages and secured loans, home is in equal danger of being repossessed for non-payment of the amount due. As per the rule, the borrower has to put his primary residence as collateral. Expert advice thus holds a place of prominence in the process of decision-making. There are a number of sources from where advice may be had easily. These include an attorney, certified public accountant, or realtor unrelated with the loan providing organisation. Individual prudence also needs to be applied because it is the individual who is better aware of his financial circumstances and thus the best decision maker.


Insomnia through trauma

Many people are suffering insomnia directly from trauma. Since the September 11 ordeal, millions of people each day are finding it difficult to rest. Some are trapped in the 2000 ordeal and are having difficulty leaving the past behind, while others are direct victims of the attack and suffering insomnia while they fight to control their painful thoughts.


If you are suffering trauma that is causing insomnia, thus it is time to get help now to deal with this ongoing disorder. Posttraumatic Stress Disorder-PTSD has claimed the minds of many throughout the years. When a person suffers this disorder they often suffering ongoing insomnia, anxiety, panic attacks, fear, flashbacks, increasing nervous conditions and so forth that makes it difficult for the mind to cope.


Thus, few techniques are available outside of therapy that will help the person cope in the meantime, but for the most part ongoing therapy and medications are needed to help this persons survive insomnia.


Trauma is one of the leading stresses in life that causes insomnia. Still, other ailments and medical conditions contribute to symptoms of insomnia. When the central nervous system and elements of the brain are affected, a person might find it hard to rest peacefully. If you are suffering various illnesses medical attention is required in order to receive the medications needed to help you cope with the problems.


The most important training available to reduce stress and help a person to cope with stress and trauma is to help them to come to terms in the mind where they no longer blame them self for what has happen to them. In few cases, which are rare the person may not suffer guilt while enduring insomnia and trauma. The few cases are on track; however, techniques are necessary to help these people deal with other types of symptoms that occur when the mind is consumed. The main thing is learning to continue the fight to reestablish your identity. When you are robbed of self due to illnesses, it can make a person feel a sense of loss and lack of concentration continues since the mind is consumed.


Insomnia is one of the leading sufferings that are targeting millions round the globe each day. Technology development is ongoing, which is increases changes in the environment, which is one of the causes of acute insomnia. When a person has to continue to adapt to newer situations the mind sometimes feels overloaded, thus the mind finally shuts down the elements in the brain that helps a person find a source of relaxation.


When the psyche is powerless to discover a resting space, in the fullness of time the mind causes an individual to undergo continuing turbulence all through the daylight hours and night hours. Insomnia single-handedly can bring on symptoms of nervousness, panic attacks, irritation, annoyance, grogginess, and so on. Thus, when an individual has a mental disorder enforcing the sleeplessness it elevates the problems, thus coping skills are decreased. However, insomnia again never stands alone, unless the symptoms are linked to a recent tragedy or event. Light symptoms of insomnia may appear when death occurs, during a birth, switching jobs and so forth.


Additional steps can be intriguing while helping an individual cope with stress and work in the direction of sleeping calmly throughout night hours. Specified medications may well help those tormented by Posttraumatic Stress Disorder, since the symptoms of the disorder often trigger chemicals in the brain and will often affect the central nervous system.


It is important when suffer PTSD and insomnia that you avoid alcohol and drugs at all costs. It is also important to avoid nicotine, caffeine and alcohol before going to bed. The chemicals and substance will cause the mind to elevate in patterns, thus avoiding these harmful contaminates will help you rest during night hours.


Persons with PTSD will often avoid socializing, thus you may want to try to visit a friend that is caring so that you will avoid triggers, thus help your mind to find comfort.


How to cure agoraphobia

Many people in the world have a disorder known as agoraphobia. This disorder brings on extremely strong panic attacks when in crowded places. Most agoraphobics eventually wind up trapped in bed or institutionalized.


The definition for agoraphobia is an anxiety disorder. The main manifestation of the disorder is a fear of having an embarrassing situation that the person can not escape from


Someone with Agoraphobia will sometimes have panic attacks when they are in a situation where they feel trapped, uncomfortable or when they are not in control or are too far away from their comfort zone, which are usually their homes. In extreme cases an agoraphobic may only be able to exist in only a room or two of their own home and may even become unable to get out of bed.


Sufferers of Agoraphobia are often overly sensitive to bodily sensations and over react to everyday occurrences, like climbing a flight of stairs. The effort it takes to climb stairs can cause a full blown panic attack, because their hart rate rises as does their breathing. The sufferer may see this is the onset of an attack and actually causes the attack to start, instead of seeing it as a natural reaction to climbing stairs.


With the invention of the internet many agoraphobics have found they are able to have contact with the world while still at home in their "safe place" and one thing that many agoraphobics have in common is that many of them enjoyed being able to gamble with other people in online casinos.


Many doctors feel that online casinos is a great form of therapy for people suffering from agoraphobia because they can interacts with several people at the same time, and it gives them the ability to interact and be relaxed at the same time and in many cases the agoraphobic has been able to lessen their fears and eventually leave their home with the goal of eventually getting to a real casino with other people.


But after October of 2006 when president George Bush Signed the Unlawful internet gambling ban into law he took away the best form of theory doctors have found to help Agoraphobics re-enter society.


Doctors found that in games like poker and blackjack where the player's game depends on the moves of the other players; have a tendency to be better for patients rather then on online roulette or craps game, where you can easily have no interaction with other players.


The interaction is healthy because the agoraphobic is not concentration on themselves they are actually concentration on the game and the other layers moves. For a sufferer of this disorder this is a huge step in being able to re-enter society, but unless the online casino ban is overturned doctors will have to find other ways of helping their patients.


Friday 20 May 2016

What organic really means

The word "organic" may appear on packages of meat, cartons of milk or eggs, cheese and other single-ingredient foods. Certified organic requires the rejection of synthetic agrochemicals, irradiation and genetically engineered foods or ingredients. Literally, of course, the term is a redundancy: all food is composed of organic chemicals (complex chemicals containing carbon). Any materials used in the production or processing of organic food must be proven safe. Awareness is growing about the value of organic foods. But, whether organic chicken or pesticide-free lettuce represents "healthier" alternatives has long been a subject for debate.


Organic farming is one of the fastest growing segments of the U. S. Gardening organically is much more than what you don't do. In fact, sales of organics have surged more than 20 percent each year in the past decade. In terms of number of farms, acreage and value of production, the organic food industry is growing at a rate of 20-30% per year. As commodity programs are eliminated, more farmers have discovered that organic production is a legitimate and economically viable alternative enterprise. The growth in the number of organic farmers has increased steadily, similar to the growth of the U. S.


In current organic production systems, growers are not permitted to use conventional synthetic organic fungicides in their disease management program. Non-organic milk comes from farms that are allowed to use genetically modified cattle feed, along with routine antibiotic treatments and synthetic pesticides. Arguments have long raged as to the effects these hormones and chemicals have on the bioproducts. Growth hormones in cows, pesticides on produce and antibiotics in poultry are among the reasons many Americans are turning to organic foods.


Organically raised animals may not be given growth hormones to or antibiotics for any reason. Producers are required to feed livestock agricultural feed products that are 100 percent organic, but farmers may also provide allowed vitamin and mineral supplements.


The US Department of Agriculture finally put in place a national system for labeling organic food. The new federal rule guarantees you, the consumer, organic products that are grown without toxic pesticides, herbicides, or fertilizers. Pesticides derived from natural sources (such as biological pesticides) may be used in producing organically grown food. Limitations in relation to which pesticides may or may not be used, present the organic grower with some unique and very demanding challenges. Food that is at least 70 percent organic will list the organic ingredients on the front of the package. More than 40 private organizations and state agencies (certifiers) currently certify organic food, but their standards for growing and labeling organic food may differ. Even with these labeling rules in place, consumers should be prepared for some confusion when shopping for organic foods. For one thing, organic products are not uniformly labeled because many farmers using organic methods do not pursue certification at all. In addition, the language contained in seals, labels, and logos approved by organic certifiers may differ.


While consumers struggle with the fact that often, the availability of organic materials is limited when large quantities are needed. More and more people have come to appreciate the added dimensions of value and quality available in the organic marketplace.


Good money management builds credit protects assets

You should consider how to build credit using good money management skills today. Your first step is to keep a record of outgoings and use a strict budget that you can stick to. Bankruptcy and debt consolidation may add more costs to an already bad situation. You will have to deal with more expenses, high interest and repayments that may not be enough to satisfy your creditors. This can be stressful and worrying.


The best remedy is to start saving money. There are many ways to do this. Firstly, try purchasing accounting and budgeting software that enables you to save. It may seem like just another added expense, but the cost will benefit you in the end. Part of this process will be to track your outgoings and incorporate them into a monthly budget plane. The software will assist you by making the task much easier, but if you prefer you can set up a manual table with a paper and pen.


Next, label your table with the heading of Daily (or weekly) Spending – Week of ________. Make sure that you list all your spending requirements, savings, income, taxes, banking fees, food, rent, etc. Each week, when bill payments are due, spend as much as you can on them first, leaving a minimal amount of money for the following week’s essentials. For example, if your telephone bill is $114, your utilities bill is $59, and your cell bill is $180 and you get paid only $300 then it will be obvious that you do not have enough to cover this. It is now time to cut down on unessential items. Do you really need two phones?


Forget going to the cinema, budget in rentals, but unfortunately, you may simply have to do without this week. Listen to the radio or watch t. v.


Try to also develop a table that includes your estimated monthly repayments and your living expenses. List your gross income, pensions, bonuses, child support, retirements, and other deductions. Then work out what can be saved on and put it towards paying down your debts. Sadly, you will have to reduce your groceries, medicinal, personal, pet, holiday and gifts costs. Are there any assets that you don’t really need? Do you need that second car? Why not sell it and clear some more debts?


These simple little tips, along with good record keeping, will help you to gradually reduce debt, fix your credit score and rating, and help reestablish you credit. You may want to think about getting a higher paid job, if your current one offers measly wages. In fact, taking on another job part-time on top of your regular employment can pool in more money. Always remember that there is always a way to rebuild your credit and repair the damage done.


Thursday 19 May 2016

How do you stop the stress and worry

I recently attended a dinner where a franchise owner of a fast food restaurant spoke. The owner had been in business for several years, 25+, and told of some of the trials she encountered along the way. She was a very engaging speaker and I enjoyed it very much. After she spoke it was question time. A person in the audience was the owner of a one-year old hair salon. Her question was, "How do you go home and not take the stress and worry of the business with you?" The speaker’s answer was, “you always take it home but something that would help is to turn off your cell phone.”


Well, I agree with what she said about turning off the cell phone but there are other processes that came to my mind where the owner might benefit also. Here are some of my thoughts:


Do you have a business plan? If not, start today and put your vision and dreams in writing. It will help you to see the objectives that need to be achieved.


Join a CEO Roundtable group. It helps to meet with others that have the same type of issues.


If no CEO Roundtable, bring in a professional you can trust. Whether it is a business coach, advisor, or financial advisor. Do not hold back on the cost of good advice. They will become your confidante and friend, and will bring good advice and guidance for your business and you personally.


If you do not want professional help, reach out to your local Chamber of Commerce. They usually have a Small Business Center and have access to information that will help you to work through different processes in running a business.


As a business owner, I truly believe in a business plan. I have one for my business also. Mine is not for borrowing money but for giving me guidance as I try to grow my business to the level I have projected. I also have a marketing plan that is in constant state of change. Planning will not stop the stress and the worry, but it will help you to know what your next step is in the process. It helps to have your plans in writing, in your words, and share it with others. They are adaptable to the ever-changing growth and curves in your business. Refer to them frequently (monthly is good, weekly is awesome!). It is unbelievable how many businesses start without a plan. Start today! You have probably heard this—


If you fail to plan, you plan to fail!


Listed above are no sure-fire cures for stress and worry but it is a start on knowing what you need to do to accomplish your dreams. If you feel you are not heading in the right direction, modify your initiatives and plans. Dream big and plan to succeed!


Wednesday 18 May 2016

Online paid survey fact or fiction

Paid surveys are not new, but many people are discovering them as the Internet makes them more popular. Have you ever wondered exactly how the whole thing works? We have collected a few questions which we have provided answers to, in order to help you better understand how online paid surveys work.


What is a survey?


A survey is a "gathering of data or opinions to be representative of a whole." This is a good description if you want to better understand what you will get from an online paid survey. A survey is basically several questions which are designed to tell the surveyor more about a specific topic. For example, product satisfaction surveys generally are made up of questions intended to determine your opinion about a product: how useful you find it, whether you consider it expensive or reasonably priced, how often you would buy it, how you would use it, and more.


Who needs surveys?


Surveys are a standard market research tool, and are used throughout many industries and for many different topics. Surveys are preferred by marketing companies to gather and evaluate consumers' opinions, which help them further refine and target their marketing activities.


Why do marketing companies pay consumers for their opinions?


One of the reasons marketing companies pay consumers is because they get better information. Think about free surveys you've been asked to take. Most people don't take those seriously and may give incomplete or incorrect answers. Paying for their opinions is one way to get consumers to give better, more serious information. They don't mind paying for this information because it helps them better reach their target audience, and that is well worth the small expense of buying some information.


How can I start receiving online paid surveys?


Thanks to the Internet, many marketing companies and consumer companies are paying for online surveys to be filled out. This has become a way for the average Joe to make extra cash with little to no effort. Once you have registered with the survey companies, you will begin receiving surveys. How frequently you receive them will depend upon your profile and the type of survey the company is sending out.


How much can I earn doing online paid surveys?


Each paid survey that you do online can bring a different amount of money. Some surveys may bring you a dollar or two while others may pay up to $50. Some will give you credits towards future purchases or other non-monetary gifts. Your total earnings will depend on the kind of surveys you complete and how many you complete. If you want to make more money, it is obviously better to sign up with more survey companies.


How do I get paid?


Although each survey company may have a different method of payment, the most popular options are PayPal, check, and credit card payments. If you have an option, be sure to select which one will be best for you. Also be aware of how many surveys you need to complete, or what balance you need to achieve before receiving a payout.


What should I watch out for?


As with any other moneymaking business online, you need to carefully select the sites you will work with. There are several legitimate sites, but there are many more fraudulent ones that only want to spam you in the hopes of making some quick cash. Check any contract agreements, and be sure you understand completely what you are being offered, the costs involved, and what your obligations are.


Be sure you are dealing with a real business and not just some fly by night. com scheme. Some signs that it's a real company are: visible address, phone, and e-mail contact details, as well as the ability to speak to a human representative. Testimonials, while they can be forged, generally indicate a real and respectable company. You can also search for reviews online for the particular company you are looking at, and see what other people may have said about them.


Tuesday 17 May 2016

The power of the chi life nourishment and better sex life

Many things has been said about the Chi, the Chinese word for “internal energy.” Some say it is the “power within” that emanates from the air we breathe and transforms into a life force within our body. In Eastern beliefs, the chi is responsible for self-healing, self-recovery, and self realization. All life in the universe is inspired by the chi, it is the life force or vital energy that is present in every living thing. According to Chinese beliefs, the chi also enables martial artists to accomplish physically impossible feats like breaking bricks with bare hands and feet. Once the chi is manipulated, performing such feats would be easy. In addition, the chi is also seen as the force that controls the entire universe. This life force is called 'pneuma' in Greece and 'ki' in Japanese.


What is the chi? And where did it begin? History says that in A. D. 527, an Indian monk named Bodhidharma traveled to China. The purpose of the journey was to teach his fellow monks exercises to develop and strengthen their bodies. In his journey to China, Bodhidharma wrote a book entitled “Xi Sui Jing.” This book was about breathing and meditation, it is believed that this book taught the power of the chi. Bodhidharma, is also the author of a book entitled, “Shi Bao Luo Han Shou” (The Eighteen Hands of Lohan). Historians consider this book as the first manual on offensive and defensive combat movements. This book gave birth to “Kalirapayat,” believed to be the mother of all martial arts. These facts explain the close similarity of the postures in Chinese martial arts and yoga. Both traditions focused on the lower abdominal region as the center of all human energy (chi, pneuma, ki). Martial arts and Yoga were both developed to promote a healthy body, increase lifespan, and attain a state of bliss.


The chi, according to traditional Chinese medicine can be developed by breathing, chi meditation, and visualization. The Chinese discovered that the chi travels in the human body through channels called meridians. These channels are the pathways of positive and negative power—the 'yin' or 'yang', the basis of the direction in which the chi flows on the body. The 'yin' energy comes from the earth and flows from the feet to the torso, the arms, and the fingertips. 'Yang' energy flows from the sun to the 'yang' meridians from the fingers to the face, or face to the feet. Meridians are found in the teeth, organs, tissues, and other parts of the body. Through these meridians, the chi enters the body and flows deeper to organs, blood vessels, glands, and other body parts. This flow of the chi gives these body parts life, nourishment, and energy.


The chi as stated can be developed by breathing, chi reflection, and visualization. These entities can be achieved by undergoing activities that includes meditation like tai chi, yoga, and martial arts. These moments of stillness may bring short periods of relaxation and improve one's self-esteem. Activities that aid in developing the chi also improves one's libido and overall sexual health. People who frequently undergo yoga, tai chi, and martial arts training partake in physical and conditioning exercises. Studies show that undergoing such activities leads to more energy, better self-esteem, and increased testosterone levels. Additionally stretching warm-ups involved in this activities massages the internal organs of the body enabling them to function properly.


Still, Bodhidharma was careful to teach his monk-students about the virtue of moderation. He taught them that even in martial arts and other physical activities, care must be exercised to avoid over-training. Some studies show that too much intense physical training may have an effect on one's sterility. An investigation by health experts revealed that over-training causes fatigue, which then temporarily reduces sperm count and quality. Specialists say that this happens because the body literally “kills” itself during training. To build muscles and improve the body, it needs to recuperate to attain normal cell development. Intense physical activities may reduce the level of hormones in the bloodstream that affects sperm production. Medical experts believe that sperm levels return to nearly normal after about three days. They added that drinking coffee after a few hours of training may protect sperm quality because of the antioxidants that are found in caffeine.


In this era of technology, the power of the chi has been taken for granted. More and more people have been busy with work and prefer to watch movies, TV programs, and video games instead of sweating out. They spend more time in front of computers instead of taking time and keep in touch with their body. These activities may lead to poor health and energy and low self-esteem. Understanding the power of the chi and how to develop it can lead to better health and improved lives