Do-it-yourself debt settlement

Many people find themselves owning much more money than they can realistically afford to pay back. If you can relate to this situation, then it’s highly likely that you’ve researched your options and have decided that negotiating with your creditors for reduced settlements on your credit card balances may be the best solution to become debt-free.

Now that you’ve made the decision to attempt negotiating with your creditors you’re probably left wondering what steps to take and whether or not you need to have a debt settlement firm to do the negotiating on your behalf. Well, that depends; some people can successfully negotiate reduced settlements with their creditors, while others simply feel too intimidated when they face any type of controversy. My experience has shown that approximately fifty percent of the people with whom I talk are willing and able to negotiate on their own.

If you can remain calm and, at the very least, sound confident, during the stress, badgering, harassment and several phone calls from your various creditors, and you’re patient enough to take the time to become educated about the process of debt settlement, there’s no reason you can’t negotiate on your own.

If you’re going to go it alone, it’s important to understand that the debt settlement process can take several months, and during this time your creditors won’t stop badgering you, and trying to convince you to enter into a re-payment arrangement. But remember, you decided to negotiate with your creditors due to the fact that you simply could no longer afford to make your monthly payments. Even if your creditors are willing to reduce your monthly payments and/or interest, you’ll still be faced with many monthly payments over a period of several years. So, during the course of your discussions with creditors, stand your ground and insist that you simply cannot commit to a long term payment agreement.

If you need convincing to remain on solid ground when talking with your creditors, think very carefully for a moment about the “make-up” of the credit industry. If you’ve made your payments on time every single month for the last several years and suddenly faced a hardship, your creditors simply wouldn’t care. You could call and write to these companies, begging for a break on your interest or payments and they won’t budge. Only once you become delinquent will they finally offer you a reduced interest rate or payments. This fact alone should help you stand your ground and insist that you absolutely will not agree to their new payment terms. They weren’t willing to help you after you reached out, begging for assistance, and this unwillingness by creditors to cooperate has led many people down the path to bankruptcy.

After several months and numerous discussions with your creditors you’ll eventually reach a mutually agreeable negotiated settlement. Prior to releasing funds to your creditor, you’ll want to obtain a settlement letter, which clearly states the settlement arrangements that have been verbally agreed upon. This is very important; remember, if it’s not in writing it doesn’t exist, so until you have a settlement letter with a settlement amount, a deadline and the correct account number, don’t pay a dime.

Successful debt settlement requires knowledge and education. Take your time and take advantage of the many resources that are available. Even if you find that it’s necessary to spend a few hundred dollars to buy materials that will inform and educate you, you’ll end up being several thousand dollars ahead. Your decision to become debt-free is one you will not regret.

The stinging information about anaphylaxis

Anaphylaxis is a serious type of allergy that usually happens when a person takes a triggering substance that is often called allergen. The exposure and its resulting reaction, anaphylaxis, occurs when the person become sensitized to that substance.

Sometimes even if the person is exposed to allergens, even how little the allergens are and the time of exposure, the resulting allergy can really be serious and life-threatening.

Anaphylaxis attacks can happen after the substance is inhaled, injected or ingested. Physical or skin contact to the substance can sometimes also lead to anaphylaxis attacks.

Beware, because medical records around the world show that in several instances, anaphylaxis can lead to shock or anaphylactic shock that can really be fatal and deadly if untreated or uncured.

An example of a substance that can lead to anaphylaxis is bee sting. Bee stings contain minimal amounts of toxins that sensitizes a person’s immune system. If the person is exposed to subsequent bee stings, certainly, an allergic reaction will follow.

Take note that reaction to bee stings can be severe, sudden, and sometimes involving the entire body.

During anaphylaxis attacks, take note that the victim’s airways can be constricted. This reaction will sometimes be serious especially if breathing difficulties, wheezing and gastrointestinal discomfort occurs, like cramps, diarrhea, vomiting and abdominal pain.

Causes of anaphylaxis

Other substances that may trigger an onset of anaphylaxis include several drugs, food allergens, horse serum which are contained in vaccines and other insect bites especially if there are stinging sensations. Insects like wasps, hornets and several species of ants can cause these sensations.

Foods that commonly cause anaphylaxis include eggs, wheat, shellfish, fish, legumes, soybeans, milk, cheese, peanuts and other nuts.

Drugs like pain relievers including diclofenac and ibuprofen, and anti-infection like penicillin and cephalosporins can trigger anaphylaxis attacks on several people.

Do you know that regular and prolonged exercises can also lead to anaphylaxis attacks? Yes, it is true because exercises affect the flow of air in your breathing system, especially if the surroundings is unclean.

Symptoms to look out for

Basically, anaphylaxis attack by constricting the passage of the airways. The disease can be indicated by respiratory distress, and low blood pressure or hypotension (the opposite of the common hypertension).

Other indications include hives or in medical terms urticaria, itching, vomiting, uncontrolled tears due to stress and difficulty in breathing, swelling of the face, neck, throat and other body parts, blushing and fainting.

These symptoms can immediately show up upon exposure to triggering allergens or substances. However, in some cases, symptoms for anaphylaxis occur after about 30 minutes to up to about a few hours after the exposure or ingestion of allergens.

Take note that several of the symptoms are also symptoms for incompatible blood transfusion and should not be mistaken for such.

Treatment

Anaphylaxis attacks will require utmost and serious professional medical attention. Because the attacks involve breathing difficulties, it is important to rush the person to the hospital to avoid serious problems, especially if no one around knows some first aid treatments for such.

In several attacks, artificial resuscitation, like the methods used when first aiding a drowned person, should be administered. Drugs like epinephrine and antihistamine will also help.

Prevention is better than cure

Because prevention is always better than cure, it is important if you have a history of anaphylaxis to know and identify the triggering substances.

Avoid insect bites and bee stings, because they are the common cause of anaphylaxis. Food allergens, especially some types od sea foods should definitely scrapped from the diet.

Allergies to drugs should also be known so you will never have the trouble of treating one disease and contracting anaphylaxis in the future. Remember, presence of mind and cautiousness can save you from a lot of trouble.

Home mortgage lenders - how to find a good mortgage lender online

A good online mortgage lender can make the home mortgage shopping experience bearable if not pleasant. With competitive rates and good customer service, a home mortgage lender can help you buy your home within a reasonable timeframe. To find such a lender, start by researching recommended lenders. Ask questions about loan rates, terms, and payment process. Once you find a perfect match, start the application process to lock in rates.

Start With Recommended Sites

While you can easily find lenders through a search engine, a better choice is to look at different recommended lending sites. Mortgage broker sites offer convenience, providing you with multiple mortgage loan quotes in almost no time. Individual lender sites also provide loan quotes, along with financing information.

Take advantage of loan estimates since they don’t hurt your credit report – as long as you don’t give them permission to access your report. By requesting personalized quotes, you get a realistic picture of your loan costs. You can also find the most competitive offer.

Check Out The Details Before You Sign

Rates are important, but so are fees and terms. Analyze the closing costs and any additional fees that might be associated with the home loan. You should also ask about additional loan features, such as refinancing options or interest reductions for automatic payment.

Selecting terms will not only affect your interest rates, but also your monthly payment. While most lenders will quote a 15 or 30 year term, more options are available to you if you ask.

Evaluate The Service

Requesting loan quotes is also a test run of the lender’s customer service. Did the company respond in a timely manner? Did they answer your questions? Was the information clear and complete? If you answer yes to these questions, then you can reasonable trust that future questions will also be answered.

Finally, give yourself enough time to find the best lender. In a few hours you can have dozens of mortgage offers waiting for your review. Spend a few minutes looking over each to find the one that meets your home buying needs.

Dealing with procrastination

Procrastination is a problem that usually affects students, but it can be found in the working world, as well. For many students, getting an assignment that is due in two months is a great thing. They have two months to slowly work on the assignment, making necessary improvements all along the way. That is how it is supposed to be done. Other students plan to get to work on that assignment, but they never get around to it. Then, the due date rolls around and that student is left pulling an all-nighter so that he or she can barely make the deadline the next morning. Does that sound familiar? If it does, then you probably have a problem with procrastination.

Procrastination is not limited to the world of academia, though. In the work world, many jobs are lost because a worker did not get to the work in time. Deadlines are missed because a business plan wasn’t given enough consideration early on. Even worse than that, droves of workers sit at their desks and do nothing for hours, just killing time before the clock says that they can go home. These things cost businesses large amounts of money in lost productivity. What is at the root of all of this procrastination? Some might say that it is laziness, but it is really just a problem with mindset. People are so conditioned to putting off work that after a while, it becomes a habit.

It is difficult to stop this terrible habit. It takes a concerted effort a long time to truly change your ways. By doing that, you would be changing the way your mind processes work. In my time as a hypnotherapist, I have used hypnosis to deal with this problem. Like many of my colleagues, I can use hypnosis to stop people from smoking and keep them away from stress. I find that it is a reliable solution for a host of other issues, as well.

Many people don’t even consider hypnosis as a treatment option because they associate it with the shows in Las Vegas and the depictions on television. That’s not what hypnosis is about, though. Hypnosis is really about changing a person’s basic senses so that their thinking is permanently changed. This sounds like a perfect way to counter procrastination, doesn’t it? If you want to change your ways and get to work, you should get information on hypnosis and make a big change. You will be happy that you did.

Stop acne now

Acne is a terrible scurge, afflicting people in every age group. Acne primarily affects teens and adolescents and can cause long lasting physical and emotional scars. For years we have either learned to deal with our acne, or spent thousands of dollars with dermatologists or on useless as seen on tv products we have seen (like Proactive). Currently there are two treatments that do work and one is actually cost effective. It is now a fact that acne can be treated, controlled and even cured.

We must become more educated on what acne is and whqat does and does not cause it. Acne is an inflammation of the skin that is caused by overproduction of sebum (oil) from our sbaceous glands and a low skin pH (acidity) that make ideal conditions for bacteria. This bacteria clogs the pores and causes pimples and deeper inflammed bumps and postules (acne). Acne is genetic as it is first started by the overproduction of oil and acidity levels. Chocolate and sugary items don't cause it.

Accutane (can only be prescribed) works by greatly reducing the production of sebum. This reduction in sebum will make the skin very dry and does have some bad side effects like possible liver damage and such so it is available only through your dermatologist and is used as a drastic or last measure. Basically it brings out all the acne you will have in the next 2-3 years all at once over the first 2 months and then it is all gone. The first 2 months are rough, however - I had this treatment.

TCA peels are a more affordable and less drastic alternative. TCA peels work by cleansing the skin, increasing the pH or acidity of the skin making it unfavorable for bacteris, and increasing the rate of skin regeneration thus hastening the healing process. TCA Peels work 1,000 times better than any overrated peroxide wash or cleansing system and have similar results to Accutane without any of the harsh side effects. They have been rated as one of the best at home products / treatments available. This has been proven on millions of patients - why else would every dermatologist and plastic surgeon offer TCA peels?

So, basically, you can either live with the scurge of acne or treat it. TCA peels are the most cost effective and least harmful solution to acne and can now be purchased directly instead of through your doctor for tremendous savings.

Traveller s journal snowdonia national park - day 2

The Royal Victoria Hotel sits at the head of Llanberis Pass, near the foot of Mount Snowdon. Its elevated position provides wonderful views over Llanberis village, reminiscent of a wise old headmaster appraising his class.

Sandwiched between the two lakes of Llyn Padarn and Llyn Peris, the hotel is an excellent base for exploring the wild terrain of Snowdonia.

I awoke to another gloomy day. The rain had continued through the night and showed little sign of letting up. Apparently Llanberis gets twice as much annual rainfall as Caernarfon ten miles to the west and I could certainly believe it.

Breakfast was a pleasant affair. Staff dressed all in black were only too happy to serve your every whim. For the early risers, there's the luxury of a table in the conservatory and great views across the village and lake. Unfortunately my aching limbs would not allow the advantage of an early start and I took my place with the commoners in the breakfast room.

The staff all seemed to have strange accents, my best guess that of eastern European. This seems to be the norm these days. Everywhere I’ve travelled in Britain recently has been staffed with foreigners.

There appears to be some kind of European swap shop going on. Somewhere in the far flung corner of the continent must reside a glut of English people serving tea and coffee, and asking people what they thought of the weather.

I decided to take a walk in the village. Despite a population of just 2,000, Llanberis provides jobs for over 1,200 people, mainly through tourism. Its most famous attraction is the Snowdon Mountain Railway, Britain's only rack and pinion railroad. Believe it or not it opened the same day as the modern Olympic Games at Athens in 1896.

Unfortunately the opening day was not without its casualties when one of the carriages derailed and tumbled down Llanberis Pass. Amazingly there have been no more derailments to this day, a comforting thought as I made my way to the ticket booth.

Alas, the train today would only be going three-quarters of the way up due to ice on the track at the top. Having driven all the way to Llanberis the least I can do is wait for the ice to clear and travel to the summit.

So I decide to wait another day. Hopefully the rain may also have cleared by then. It’s only later I realise, not only is it the wrong day, but the wrong season and the snow will not clear until the summer. For now, however, it’s time for lunch.

Easy-to-install retractable screen doors give beautiful views

There where you need it and out of sight when you don't, retractable screen doors can maximize the view while letting in fresh air.

Retractable screen doors such as those from ODL feature few parts and a new magnetic latch for a more secure closure. An exclusive SlamProof system prevents pinched fingers and ensures safe recoil into the housing unit. In addition, weather stripping in the top and bottom track keeps dirt and insects out of the home. The retractable screen door works on inswing, outswing and sliding doors.

The screen fits neatly into the housing unit and blends cleanly into the door frame when retracted. Then, when engaged, the retractable screen door is nearly invisible, fully covering the doorway opening and allowing maximum airflow into the home. Made with a durable fiberglass screen, it resists damage from hands and pets.

Best of all, you don't need a professional installer. The screen comes ready to install and installation can typically be completed in one to two hours. The pictured steps are all that's required.

Step 1 Install the screen housing.

Step 3 Install tracks and sill plate.

Step 2 Cut tracks and sill plate to the correct width of your door.

Step 4 Install magnetic catch.

Launch into spring with an outdoor clock

If you are into outdoor landscaping and gardening, you obviously spend a considerable amount of time outdoors. And as the weather turns from the cold and rainy days of winter to warm spring days, visions of crocuses, tulips and outdoor barbeques take over. But spending so much time outside, especially doing the things you love, can certainly make you lose track of the time. So, why not add an outdoor clock to your patio area for everyone to enjoy?

Outdoor clocks add a nice touch to any garden or outdoor entertainment area. They also give gardeners a way of keeping track of the time as they work on their lawn and gardens. Better yet, they can add a decorative touch to your entertainment areas as well. And as you know, these areas can be difficult to decorate, especially in locations with varying weather and climates.

Will Weather Be An Issue?

Despite your climate, it is always best to use outdoor clocks that are waterproof and weatherproof. These clocks are usually sealed with weatherproofing sealant and gaskets to ensure that the rain and dust stay out of the clock’s mechanisms. Most outdoor clocks will be clearly labeled as such, but it pays to double check the packaging just to make sure.

Even though most outdoor clocks are manufactured to be weatherproof, you can protect them further by selecting a location for them that is sheltered from the elements. The best location for an outside wall clock is higher on the wall where it can benefit from the protection of the overhang (eaves) of your roof.

If you live in the Northern climates, the ultimate protection during the winter months is to take your clock down and store it in a warm, dry location. Before putting your clock in storage, perform any required maintenance per the operating manual and you can be ensured of enjoying your clock through many seasons.

Outdoor Clock Features

Can outdoor clocks do more than just provide the time? Of course they can. The more elaborate outside clocks have a host of features that add to the functionality and usefulness of the clock. Some come with a thermometer and barometer to monitor the weather. Add a rain gauge and you will have a bona fide weather station at your disposal.

A very nice feature that is offered with some of the higher-end models is a wireless display. This allows your outside clock to transmit data to a second display unit inside your home. Imagine being able to have the time, temperature, and barometric pressure at your fingertips whether you are on the patio or inside the house.

And don’t forget, outdoor clocks also make the perfect gift for your friends and family members who enjoy your passion for outdoor living. They especially make a terrific housewarming gift for friends that have just become new homeowners.

So, whether you are looking to decorate your porch, patio, gazebo, or other outside living area, an outdoor clock can be the perfect choice.

Gagner a la roulette

Depuis que la roulette est considйrйe comme un jeu de chance, tout le monde pense qu'il doit exister plus ou moins de trucs pouvant vous faciliter vos jeux. Mais ceci n'est pas toujours vrai. Bien que quelques conseils d'experts puissent vous кtre donnйs, sachez que nulle stratйgie n'est fiable а 100%. En voici cependant quelques une.

Essayez la Roulette Europйenne: gйnйralement, vous trouverez sur les sites de casino en ligne deux types de roulettes: l'europйenne et l'amйricaine. La seule diffйrence entre les deux et le nombre de cases de zйro existant sur le cylindre. L'europйenne n'en comprend qu'une, alors que l'amйricaine en dispose de deux. Cette diffйrenciation s'explique par l'avantage pris par la maison ( ou casino). Avec un seul zйro, l'avantage de la maison est diminuй de moitiй, ce qui vous permet d'accroоtre vos chances de gagner.

Apprenez а bien miser: les paris sur numйros simples sont la pire chose а faire dans tous les jeux de casinos existants. L'avantage de la maison est si important lorsque vous pariez sur un nombre simple qu'il vous est presque impossible de remporter quelque gain que ce soit. De plus, avant de pouvoir gagner, il vous faudra miser йnormйment auparavant. Les meilleurs paris restent donc ceux dont l'avantage de la maison est le plus faible.

Jouez pour le plaisir. Quand vous jouez pour le plaisir, vous кtes d'avantage dйtendu et plus apte а prendre de bonnes dйcisions, ce qui est loin d'кtre le cas lorsque vous vous trouvez en йtat de stress, soumis а la pression de devoir remporter de l'argent. Dans ce cas ci, vous pouvez le payer trиs cher car votre comprйhension du jeu est altйrйe et vous pousse а commettre d'inйvitables erreurs.

Etablissez votre budget. Ce conseil est valable pour tous les jeux d'argent, sans restrictions aucune. Ne jouez jamais sans avoir au prйalable dйterminй votre budget. Ne jouez qu'avec la somme prйvue et jamais d'avantage. En effet, si vous pensez jouez d'avantage que cela, il ne s'agira plus dиs lors d'un simple petit problиme financier а court terme mais d'un vйritable gouffre sur le long terme, et la limite est fine avant d'кtre considйrй comme joueur problйmatique et se retrouver interdit de casino.

Mettez de cotй ce que vous venez de gagner. A nouveau, ce conseil, avec le prйcйdent, est l'un des meilleurs. En remisant ce que vous venez de gagner, si le tour prйcйdant vous perdez, rien de dramatique n'est arrivй а votre budget. En revanche, si vous misez tout le temps avec vos gains et que vous perdez а chaque coup, il ne vous restera dиs lors plus rien. Et entre nous, il vaut mieux repartir avec un petit quelque chose que rien du tout. Ne laissez jamais vos gains sur le tapis car en cas de perte, vous perdrez tout, trиs vite.

Entrainez vous. Rendez-vous sur un casino en ligne et jouez des parties gratuites en mode dйmo afin de vous familiariser avec le jeu. Il n'y a rien de pire que de se rendre а un jeu dont on ne maоtrise pas les rиgles et de pariez au bon vent la chance. Lisez avant tout les rиgles des jeux, puis allez sur le mode dйmo et jouez y rйguliиrement jusqu'а ce que vous vous sentiez prкt а passer le cap du mode rйel.

A beka home schooling

The A Beka curriculum is a very popular choice for many homeschooling families. It is also used in quite a few Christian schools across the country.

The A Beka Books were developed at Pensacola Christian College. They are based on experience and information gathered over a period of fifty years in the classrooms of Pensacola Christian Academy by many writers. They are unique in that they do not use any currently published works for their curriculum, but instead research and develop their own. Dr. and Mrs. Arlin Horton are the founders of A Beka Book, and the series is named after Mrs. Horton, whose first name is Rebeka.

The A Beka home school curriculum is fundamentally Christian based. The main goal of this program is to ground children in the Christian faith. Every aspect and subject points toward the Christian worldview. It is a workbook based curriculum and is very detailed. It goes step by step through each concept and is very comprehensive. This is a good curriculum for those home school families who are very organized or need a highly structured program.

There are three choices when working with the A Beka Book home school program. There is the A Beka Academy DVD option, which provides two options. The first is the Fully Accredited College Preparatory Program in which A Beka keeps all of the records. The second is the Non-Accredited program in which the parent keeps all the records. Each covers the exact same material. The only difference is the price. Basically, in addition to the workbooks, the DVDs feature teachers who help to explain the subjects in greater detail.

The second option is the A Beka Academy Traditional Parent-Directed option. This is a fully accredited college prep program. A Beka provides you with teacher manuals that explain exactly how to follow and teach the curriculum. You teach the material and A Beka keeps your records for you. It is very much like a traditional school without the school building. You send in all of the work and tests and they grade them and issue a report card. There is an academic calendar along with progress reports. This is much the same as the DVD option minus the DVDs.

The third option is the Textbooks/Materials for Home Schooling. This is simply the curriculum. There is no other involvement from A Beka besides the materials. You will keep all the records and set your own pace. You can order the entire program or just the items that you feel are appropriate for your child. Many parents who choose this option will use parts of another curriculum along with the A Beka materials.

A Beka Book is a good choice for home school families. It is very Biblically based and structured. It sets a strong foundation during the early years in core subjects such as reading and math, and continues to challenge students all the way through high school. The A Beka Book home school curriculum is a great tool with which to teach your child and offers many options.

Seven benefits of christian mortgage

The Christian Mortgage concept is built on the basis of Christian faith and principle. Various institutions around the world follow Christian Mortgage principles to shape their terms and conditions.

According to Catholic social teaching a mortgage is the provision under which people is permitted to utilize the merchandise of the globe. It signifies that no one is bestowed with the illogical right of private property while others in the world suffer from lack of it.

There are seven basic components that are found to be most attractive in choosing a Christian Mortgage.

Seven Benefits of Christian Mortgage: -

Benefits of Christian Mortgage #1 - Refinance to get a better rate: There are two types of mortgage loans in consideration of interest rates available - (a) Fixed Rate Mortgages (FRMs) and (b) Adjustable Rate Mortgages (ARMs). When you have cash down your credit at certain amount, it would be wise to opt for an ARM in exchange of a FRM. Christian Mortgage institutions often offer this opportunity to refinance. Moreover, Christian Mortgage institutions offer remarkably low rates in comparison to other institutions.

Benefits of Christian Mortgage #2 - Second Mortgages to consolidate debt or for other purposes: Christian Mortgage many times offers a second mortgage to a single person. By this way, one can get a second mortgage on a single property, after the first mortgage payment is cleared; or on the other hand, one can identify another property to mortgage when they are still paying a mortgage debt.

Benefits of Christian Mortgage #3 - Lower monthly payments: A very important benefit from a Christian Mortgage is its lower monthly payment. A monthly payment comprises of a basic payment with some interest rate. Christian Mortgages by providing you with a low interest rate cuts down your monthly payments and thereby your monthly expenses to a large extent.

Benefits of Christian Mortgage #4 - Cash Out Equity: Another benefit of Christian Mortgage is cash-out equity. When a person recognizes that the value of her/his asset has increased, or that the principal has been paid down to a particular amount, then she or he can re-borrow on that principal. The homeowner may "cash out" this equity in the home. By this way one can get some extra fund as cash. Christian Mortgage offers this Cash out Equity system to be used as extra cash for other beneficial purposes.

Benefits of Christian Mortgage #5 - Large tax Benefits: Christian Mortgages always fall under release of tax amount. As the basis of Christian Mortgages is social welfare and as Christian Mortgage offers genuine help to the needy people, governmental tax decreases upon this mortgage. Thus it offers a large tax benefit with it.

Benefits of Christian Mortgage #6 - Short Duration of Payment in few cases: Christian Mortgage in general offers short payment duration depending on the amount of debt. But considering the other types, Christian Mortgage institutions always aims to shape their offer personally either on shorter payment period, or shorter monthly payment amount.

Benefits of Christian Mortgage #7 - Private Mortgage Insurance: PMI is extra insurance that lenders require from most homebuyers who obtain loans that are more than 80 percent of their new home's value. But in Christian Mortgage, the PMI starts at lower cash down limit, considering the borrowers' financial status.

Take a road trip pack your motorcycle luggage

The open road. The fresh air and wind blowing through your hair. The surge of the engine as you rev it. The fluid feel of the motorcycle on the road as it glides along. You've made preparations for this trip. Your only wish is that you had more storage space. Well, wish no more. There are options.

The subject of storage on motorcycles has long been an issue of concern. With no room for a trunk, not to mention it might look silly, the storage for a motorcycle has been very limited in the past. The first type of luggage system we are going to look at is the saddle bag system.

Taken straight from the old west, cowboys would use two leather pouches, connected in the middle by a piece of leather, and it would be either attached to the saddle, or simply placed underneath the saddle. Each bag would be draped over each side of the horse, and usually wasn't very big. Today's saddle bags are crafted in a similar manner. The saddle bags are usually constructed from real cowhide or PU (man made leather). A quality saddle bag will have strong nylon straps and nickel plated buckles and studs to prevent them from rusting. There are several styles available that could include studs, metal buckles, fringes, conchos, waterproofing and rain gear.

The next type of luggage became popular when Peter Fonda, playing the role of a motorcycle rider traveling to New Orleans, used a backpack to store his luggage on the back of his motorcycle, attached to the “sissy bar”. The sissy bar bag of today can possibly be used as a backpack. There are several materials used in making sissy bar motorcycle luggage. Nylon, cowhide leather, and man made leather are the common types of material used. As with saddle bags, these too can have studs, fringes, metal buckles, nylon straps, and weatherproofing. There are also options available to have wheels and a luggage tote bar for transporting the bag while not on your motorcycle. Some also have reflective strips on the back of the bag, so that when going down the road, drivers can see you.

The motorcycle windshield bag is a unique type of bag, in that it sits on the handle bars of the motorcycle. It is not a large bag, but rather used for storing smaller items like sunglasses or maps. This can even be used for cellphones or other electronics, as some of the windshield bags are weatherproof. Although there aren't as many styles for windshield bags as there are for saddle bags or sissy bar bags, the selection is still varied. Generally made from leather, cowhide or man made, these bags offer a great way to store those often used items while out on a motorcycle road trip.

The last piece of luggage we are going to look at is the motorcycle tool bag. These are small leather or nylon bags made to hold tools, either in a roll-up configuration, or simply as a pouch. Often stored under the seat, it helps to keep your tool kit organized, and safely stored. Many of the same style options that are used with the saddle bags can be found for the motorcycle tool bag.

Personal loans fulfilling the personal desires

Success is one thing that everyone craves for after all that is the only thing that every one wants but not all can get. Success has different meanings for different persons for most people it is the fulfillment of their desires. Because everyone has desires everyone wants to accomplish something in our lives we do not have enough resources to achieve what we want to achieve. That applies to the financial aspect of the life as well. If that is the case then the personal loans are out there to help those people who find themselves in a condition similar to this.

Personal loans are loans which are offered to people for purposes for which they want. It could be any of the following, for business purposes, debt consolidation, for home improvement, for weddings, for education or even for the vacation purposes. To cater to any of these purposes personal loans are a very good option that is available to any borrower who is looking for loans.

Personal loans are available to the borrowers in principally two forms i. e. secured personal loans and unsecured personal loans.

Secured loans are available when a borrower offers a security to his lender which could be any of his assets but if the borrower provides his home as a security this type of loans are known as home equity. Another option available is that of unsecured loans where the borrower is not under any obligation to provide a security to the lender.

Unsecured personal loans are generally taken for a short period of time usually ranging from 1 year to 5 years whereas secured personal loans are for a longer period of time which can be as high as up to 25 years. With the unsecured loans you can get a loan of around Ј15000 or less. With secured loans however you can get a loan of 125% of your collateral or up to Ј250000. The interest rates usually fluctuate in between 8.4% to 17.90%. The borrower however has an option of choosing between a fixed or variable rate.

Although both the secured and unsecured personal loans options are good options depending on their requirement secured personal loans do provide a few subtle advantages to the borrowers and hence are a better option than the unsecured personal loans.

The benefits of taking loans this way are many like there is not much hassle in acquiring loans. A borrower can compare many different options and then can choose the best among them. While on line there are services provided which can help the borrower understand his standing and what will be a better option for him like loan calculator, expert’s comments and various quotes available to choose from. In addition these loans do tend to get relatively quickly which helps the borrower as well.

In the past searching for loans was a tough task but now days with there being so many organizations personal loans are available easily then they used to be. All one needs to do to apply for a loan is to first sort out your financial standings. Then go online and find yourself a lender who is willing to provide you with the loans. Then fill in your details and wait for the lenders decision on the loan.

Personal loans are a real benediction for people with bad credit history as with the availability of these loans it gives them an option of making a new start in their lives. It also gives them a chance to improve on their credit history and redeem their reputation by following the loan terms properly.

Personal loans are ideal for many people. They provide solutions to many day to day problems for many people. And now days they are being made available more easily then they used to be. So people who could not go for them earlier now have an easier access to them with several advantages which makes personal loans an even more attractive proposition.

Cabinets - explained

Whether it’s in your bedroom, your bathroom or your kitchen, cabinets are a good place to store all sorts of things. Despite that, you tend to take them for granted – that is, until you need to replace them.

If you need to get new cabinets – whether it’s because the old ones broke, or you just felt like a change – you should arm yourself with information before you ever walk into the showroom. Unchecked, the salespeople will direct you towards the most expensive cabinets in the place, and then charge you a whacking great fee for installation as well.

As all cabinets must meet a minimum safety standard to comply with regulations, you don’t need to worry that the ones you choose will fall down. This means that you can pick just about any cabinet that takes your fancy. I would recommend that you go for one made of wood, however, as they tend to be more attractive-looking and longer-lasting than plastic or fake-wood cabinets.

Also, even if you’re really taken with the exterior of a cabinet, don’t forget to look inside. You need to make sure that the shelf arrangement is suitable for what you want to use the cabinet for – ideally, you should get one with customisable shelves, so that you can move them around if you ever need to.

When it comes to installation, you can do it yourself, but you may find it to be more time and trouble than it’s worth. Unless you’re experienced in DIY, you’re probably better off shopping around to find a professional who will work for a good rate, especially if the cabinet was reasonably expensive – if you break it by trying to put it up yourself, the shop will have no sympathy for you at all, and won’t take it back.

Life advice looking through a window

Living in today's metropolitan world of cellular phones, mobile computers and other high-tech gadgets is not just hectic but very impersonal. We make money and then invest our time and effort in making more money. Does it end? Not usually because we are never satisfied. How many times have we convinced ourselves that if only we had some more money, life would be so sweet? But then, after receiving a substantial raise, we realize that it wasn't enough and that we need more?

What Should You Do?

I have read many books on life such as Robin Sharma's Monk says this and the monk says that, and they all seem to say that money is not necessary. But it is. Can you do without cash and a lot of it? I know I can't.

So, I went to the neighbourhood Rabbi and asked for advice that will help me find my true way in life.

The rabbi nodded and took me to the window. "What do you see?" he asked me.

Promptly, I answered, "I can see people walking to and fro and a blind man is begging for alms at the left corner."

The Rabbi nodded and guided me to a big mirror. "Now look and tell me what you see?"

"I can see myself," I man answered.

The Rabbi smiled. "Now you can't see anyone else. The mirror and the window are both created from the same raw material: glass, but because on one of them they have applied a thin layer of silver, when you look at it all you can see is your own reflection."

The Rabbi placed his arm on my shoulders. "Compare yourself to those two pieces of glass. Without the silver layer, you saw the other people and felt compassion for them. When you are covered with silver, you see only yourself."

I looked at the Rabbi and stared. "I don't understand."

The Rabbi continued. "You will become someone only if have the courage to remove the silver covering over your eyes in order to again see and love others." He patted me on my back and sent me on my way.

I have thought of what he said and come to the conclusion that he had a point. Yes. We need money and we should not aim to lead a moneyless existence; its pointless and will only cause us and our families many heartbreaks in the future.

Instead, I suggest that we should follow the advice the Rabbi gave me. When we approach life through a silver covering, all we are able to see is ourselves. But discard that covering, and you will be able to see and feel everyone else.

Conclusion:

In life, we are allowed to and should be able to look at both kinds of mirrors, but we should remember that a mirror reflects only us; a window is the door to compassion, health and true wealth. In other words, seek wealth by all means, but don't let it dissuade you from life, people, children and the poor and needy.

Autism spectrum disorder the role of the individualized education program team

The fastest growing diagnosis within the disability of Pervasive Developmental Disorders is Autism Spectrum Disorder.

Children diagnosed with Autism Spectrum Disorder are from all socioeconomic groups, as well as cultural, racial, and ethnic populations. More students with Autism Spectrum Disorder will be found in every community and neighborhood due to the increased identification of the disorder. Estimated annual cost of educating and caring for individuals with Autism Spectrum Disorder is to be around 90 billion dollars according to the Autism Society of America. Early diagnosis and intervention is a key factor in reducing treatment costs by two-thirds.

There are five related developmental disorders placed under the umbrella category of Pervasive Developmental Disorders. They include:

1.Autism Spectrum Disorder

2.Asperger’s Syndrome

3.Childhood Disintegrative Disorder

4.Rett’s

5.Pervasive Developmental Disorder – Not Otherwise Specified

Specific Aspects of Autism Spectrum Disorder

•Autism Spectrum Disorder affects the neurodevelopment system. The results are distinct learning and behavior characteristics

•Autism Spectrum Disorder has an underlying biological/genetic cause that produces organic and/or physical changes during brain development. This results in atypical cognitive and social development and behaviors

•Autism Spectrum Disorder affects individuals uniquely

•Autism Spectrum Disorder does not result from poor parenting

•Autism Spectrum Disorder affects the individual’s ability to integrate sensory information and regulate their emotions

There are five deficit areas to consider as diagnostic criteria for identifying individuals with Autism Spectrum Disorder, they are:

1.Communication

2.Socialization/Social skills

3.Restricted interests

4.Sensory integration

5.Behavior

Individuals diagnosed with Autism Spectrum Disorder exhibit varying degrees of difficulties in these five areas.

Recent research shows students with Autism Spectrum Disorder exhibit the same early symptoms that include:

•Lack of eye contact

•Lack of joint attention (attention to the same item or topic as another person)

•Atypical sensory/motor processing

Goals and Objectives for Students with Autism Spectrum Disorder

The general education teacher must ensure that students with Autism Spectrum Disorder have goals and objectives designed to promote the development of independent living, academic skills, and appropriate social behaviors and skills.

It is essential that these goals be introduced early and addressed annually in the individualized education program. If these goals are not addressed until the child reaches secondary school, there is a higher potential for many students with Autism Spectrum Disorder leaving school not able to live independently, succeed academically or be gainfully employed.

In order to help provide a smooth transition to a post-high school setting, the responsibilities of the IEP (individualized education program) team may include:

•Developing goals and short-term objectives that promote self-monitoring and independent living skills

Secondary individualized education program teams have the responsibility to identify the long-term supports these students will require for academic, economic and social independence. They must ensure students with Autism Spectrum Disorder have long-term goals that specify the need for explicit instruction in the essential social skills necessary for all post-secondary academic, social, and/or vocational settings. Students with Autism Spectrum Disorder must be given multiple opportunities in a variety of social, academic, and vocational contexts to practice these skills.

Of highest priority is ensuring that students with Autism Spectrum Disorder acquire the essential social and daily living skills they need for a responsible integration into the community.

Transition Goals and Objectives of the Individualized Education Program team may include:

•Providing students with Autism Spectrum Disorder vocational and career exploration

•Experiences to assist them with learning which careers or college majors can accommodate their uneven academic and/or social development while at the same time utilizing their unique abilities and interests

•Opportunities to acquire vocational and/or work-related behaviors and skills required for successful employment and/or educational settings

Source: The Autism Society of America

This article is FREE to publish with the resource box.

Maui vacations

Maui has an incredible vacation landscape. People love coming to

Maui because of the resort areas of Kapalua and Wailea for golf

and beaches. They also like to take a drive down the Hana

Highway for a romantic stay at Hotel Hana Maui.

There are three airports on Maui, Kahului Airport, Kapalua Airport,

and Hana Airport, so getting there is not a problem.

Hotels

Hotel Hana-Maui does everything right to make you feel welcome,

relaxed and in touch with nature. Room service was quick and

efficient.

Grand Wailea Resort The hotel has one of the top beaches in the

world, fabulous pools, and a great golf course with spectacular

views of the ocean and Mt. Haleakala.

The Fairmont Kea Lani is a great place for honeymooners and

family vacationers. Situated on 22 landscaped acres facing Polo

Beach, The Fairmont Kea Lani is a luxury all-suite and villa resort.

There are also several places that you can stay in Maui, such as

vacation homes, condos and more. Accommodations are never

heard to find. Most reasonably prices as well.

Activities

Taking a scenic drive is one of the more popular Maui activities.

The island has an abundance of scenic views, ranging from tropical

plants and waterfalls on the eastern end of Maui to desert-like

landscape inside the Haleakala Crater.

Maui is famous for its golf courses, which offer scenic ocean views

and well-maintained fairways. Kapalua on West Maui offers three

championship golf courses, including the Plantation Course where

Mercedes Championships are held every year.

Numerous companies based in Lahaina on West Maui offer boat

tours, such as glass-bottom boat tours, whale watching, fishing

and snorkeling and scuba diving. You can usually find information

about these activities through your hotel once you get to Maui. On

the other hand, visit the historic town of Lahaina and sign up in

person in the Lahaina Harbor.

Maui offers beautiful scenery, coastal trails, and mountain hikes.

You can sign up for a guided hike through your hotel, or explore

the island on your own.

Online flower shops compete for web traffic with partners

The top online flower shops make up nearly half the market for site traffic in the weeks leading up to Mothers Day as lesser known flower shops find other ways to keep up.

As recently reported on internetretailer. com, the top online flowers sellers had the most online visits for flowers and gifts according to internet traffic monitoring service Hitwise.

Capturing the number 1 spot, flower seller 1-800-Flowers. com had over 18% of all visits to flower and gift sites for the week ending Mother’s Day. FTD. com held claim to second place with nearly 14% of all visits, followed by ProFlowers. com with better than 10% of all visits. The fourth place finisher, Teleflora. com made up 2.26% of all visits with Flowers. com finishing in fifth place with 0.86%.

Hitwise also reported that 1-800-Flowers. com share of site traffic was 7.5 times greater then it was two weeks earlier in the build up in anticipation of Mothers Day.

What accounts for such dominance by the top flower shops can be chalk up to strong marketing and traditional print and television advertising. The top flower sellers are increasing their brand awareness with consumers with traditional commercial advertising usually dominated by brick and mortar retailers, especially around holidays like Mothers Day, Valentines Day and Easter.

In the weeks leading up to Mothers Day many consumers saw 1-800-Flowers. com and ProFlowers. com run commercials just for Mothers Day. Using television advertising 1-800-Flowers and the like will most likely give online consumers and instant brand or URL to search for as they go online to buy flowers.

Some of the smaller retailers don’t have the same marketing budgets as the top tier retailers do and will struggle to compete without other aggressive marketing strategies. With out devising or incorporating other marketing plans many of the top flower shops will likely continue to increase their market share as more and more shoppers embrace the web as their preferred shopping medium.

With hundreds of floral shopping sites online many online floral shop owners are taking steps to broaden their customer base by partnering with related floral theme internet sites to help drive traffic to their sites.

Online stores are embracing partner sites as a new marketing channel to help increase traffic, exposure and drive sales. Some of these partner sites come in the form of blogs, coupon sites, and review sites and newsletters distributors.

Counting on the various partner sites to drive traffic and consumer interest provides the flower retailers, big or small, an opportunity to give consumers a way to see other money saving deals that exits online. As flower retailers take advantage of the traffic generated by partner sites they can look forward to not only more traffic but increased profits which is the ultimate aim.

As the number of online flower shop sites continues to expand, finding ways for smaller flower shops to drive traffic to stay competitive will come in the form of an increasing number partner sites. Ultimately the competition to drive more traffic between flower shops online will lead to better discount deals for consumers.

Climbing frames and play structures - is planning permission needed

As a retailer of climbing frames and other play structures to the UK market I sometimes get asked if planning permission is needed for putting a play structure in the garden.

The answer to this is ‘generally no’. In fact, I have yet to come across anyone who has bought a play structure from my web sites and has needed planning permission. These are regarded as temporary structures and there is normally no problem.

However, if you live in a part of the country which is a conservation area, or there are covenants or restrictions in your lease or deeds then these may affect whether you can put up your play structure.

This sort of thing is rare and only you will know if you are affected by anything like this. If you are in any doubt then a quick word with your local planning department should clear up any worries.

Generally, as long as your play structure is going in your back garden, and not inconveniencing your neighbours in any way then there should be no problems.

Obviously, don’t even think about putting your play structure in your front garden, as you will definitely need planning permission for that !

So, where is the best place to position your play structure in terms of safety ?

A lot of people want to place their play structure on play bark to provide a safe cushioned surface, and this is a great idea, but it isan expensive option and is really not necessary. If you are buying a climbing frame or other play structure then make sure you look out for one that can be placed on grass.

When measuring up or positioning your play structure make sure that you allow at least 3ft (preferably 6ft) of free space around the play structure. Bear in mind that your children need to walk around the play structure and get access to the various parts of it. If your play structure includes a swing then take into account the amount of space that you are likely to need for a child to be using the swing while another walks in front of, or behind, the swing.

Are there any dangers in your garden which you need to avoid ?

You want to make sure that your play structure is not positioned on top of or near a concrete path. If your child was to fall then you want to make sure they are going to land on grass, not concrete !

Make sure that some of the other less obvious hazards are avoided, such as washing lines, and sheds.

So what about actually installing your play structure ?

Depending on the make and model of the play structure it may need to be concreted into the ground. Some models are designed to have extra length in the frame so that this extra length can be buried in the ground. With these models, burying the extra length is essential, and concreting them into place is optional, but recommended.

The other method of securing your climbing frame or play structure in place is to use metal pegs. These will be attached to the play structure at one end, and the other end can either be buried in the ground or a small amount of concrete can be used to secure it in place.

These are just some of the many considerations that you need to take into account when choosing your kids climbing frame or play structure. If you would like more advice then this is available in the form of a free report from the Climbing Frames Etc. web site at climbing-frames-etc. co. uk/special-offer. html.

Investing in oil in the face of terrorism

Terrorist attacks threaten the security of nations and create an atmosphere of uncertainty. These threats impact stocks and commodities markets around the world and make investment decisions very difficult, even for the experts.

So what can average investors do? First, they should ask themselves what the likelihood is of a major terrorist attack. Then, they should determine whether their portfolios are hedged sufficiently with oil-related investments that would increase in value should a major terrorist attack disrupt oil production and distribution.

"One of the critical issues we face with oil security is its transportation," said Roger L. Cory, president of Mammoth Resource Partners Inc., a Kentucky-based oil and gas exploration company. "Our oil transport system is a worldwide network. It's practically impossible to secure it all and one soft target for terrorists can create significant disruptions."

Mammoth Resource Partners released a lengthy report detailing the vulnerability of this industry to terrorism. The report warns that the "oil transportation system provides an endless array of possibilities for the terror networks to exploit."

Oil wells, drilling platforms, loading terminals, ports, tanker ships, storage tanks and refineries are all prime targets. The 200,000 miles of pipeline in the U. S. and the 10,000 miles of pipeline in Saudi Arabia are particularly vulnerable, especially as most of the pipelines are above ground and poorly guarded, according to the report.

Straits and canals around the world also can be terrorist targets. More than 6,000 oil tankers travel through the Bosporus annually, and 80 percent of all Persian Gulf oil - 40 percent of the world's oil production - travels through the Strait of Hormuz.

The Ras Tanura complex in Saudi Arabia is an example of the precariousness of the situation. According to the Mammoth report, "Experts estimate that a single aircraft flown into the Ras Tanura could disable it indefinitely and create an instant oil price spike of $80 to $100 per barrel." Current prices are around $60 per barrel.

What does all of this mean for those who want to invest in the oil industry? Investors should be cautious, Cory says. Buying stock in multinational companies may not bring much return because you are investing in a company, not in oil. Since natural resource mutual funds are diversified, their oil holdings may not be sufficient to return a decent profit. With oil futures and options, there is greater risk. Timing is everything; being off in your calculations by just a few days could cost you dearly. And, the professionals know that 80 percent of all options are worthless when they expire.

Oil and gas partnerships - in which investors own a percentage of the resources extracted from the wells they funded - provide a middle path between low - and high-risk investments.

Go with a specialist car insurance broker for the best deal in car insurance

There are many companies that offer car insurance but knowing where to go for the cheapest can be difficult and time consuming, if you want to get the best deal on car insurance then you have to go with a specialist car insurance broker and let them wade through the quotes for you to dig out the cheapest.

A specialist car insurance broker will have the expertise and knowledge when it comes to looking for the best deals in car insurance and will know where to look on your behalf, which can save you not only a great deal of time but also money. You will have to give the car insurance broker a few details in order for them to shop around for insurance that’s right for your circumstances. The information they will need is the make and model of the car, your age and a few details about your circumstances. When it comes to getting the cheapest car insurance with a specialist car insurance broker, then there are some things you can do to help reduce the cost of the premiums.

The size of the car’s engine will play a big part in how much the insurance will cost, a smaller engine means smaller premiums. A flashy sporty model will cost more to insure than a more sedate family type car and when it comes to security then adding safety features such as steering locks, alarms, immobilisers and tracking systems all help to make the car more secure and there is a much lower risk of it being stolen, so your premiums can be lower. A younger driver will also suffer from dearer car insurance premiums so where possible choose a specialist broker that offers deals in young car driver insurance quotes.

Taking all these into account along with going with a specialist car insurance broker is the best and quickest way to obtain cheap car insurance.

Are you being scammed by your web design company

Web design companies have a lot of control over their clients. I refer to this as "False Power". The sad reality is that most of their clients don't even know they are stuck in this potentially painful predicament. This power is usually exercised when a client of a web design company finds a better deal on hosting for their web site and they simply want to switch their hosting provider, or when the "client" wants to upgrade their web site for a better rate than their current web development provider is offering.

Here's what usually happens to so called "traitor clients":

- Current web design company sends their client a hefty bill for switching

- The web design company cancels their client’s account

- They may point the domain name to another place

- They sometimes take down the entire website until further notice

You get the point! Too much power is given to the web design company. I truly believe that it is your right to shop for better prices and it is your right to own your domain name even if you didn't have a hand in registering your domain name.

As the owner of the website, you put your trust into your web design company to represent your business appropriately and honestly, only to find out down the road that honesty isn't in their vocabulary.

I truly believe there should be a law against web design companies that can be summarized as such: For any domain name registered by the web design company on behalf of their client, the domain name may not be disputed or need to be disputed, the domain name is automatically owned by the client and is automatically bound by their web development contract.

With every new venture, there is always going to be loopholes. From the aforementioned example, what if there is no contract? If you are reading this and are in the process of searching for a web design company, please ENSURE that you have a contract drafted, outlining everything you are entitled to and that you have sole rights to your domain name.

See what most business owners fail to realize is that their domain name is as important as registering their business name itself. I will repeat that... Your domain name is "hot real estate", would you want someone else owning your property?

The same applies for your domain name. Don't get caught with your pants down while asking, why don't I own my domain name. It is as important as owning your own company name. There are people out there searching for suckers to take their domain name - don't be the one who gets caught!

How to avoid this "Power Stricken" disaster:

The best solution is to go out and register your domain name BEFORE you hire a web design company. This ultimately gives you the power over your domain name. At any given time, you can go back and log into your "domain name registrant" in order to switch your web site to any hosting company you choose.

When searching for an "all around" package for your web design project, make sure that your hosting is suitable for your needs. 95% of all web design projects don't need a large hosting package that costs between $150-$500 a year. The most you should pay for your hosting in this case is around $100.00 a year, no more.

You only need a large hosting package if:

- Your web site is 1000+ pages in size

- You’re going to buy traffic in the 1000's every month

- You need over 25 email accounts setup

Ask questions when shopping for a web design company! Here are a few questions you should be asking right away before you sign any contract...

- Do you provide a contract for all your projects?

- If you register my domain name, will it state in my contract that I own the domain name under all circumstances?

- If I am late making payments, is it your company policy to cancel the account?

- Why are your hosting services so high in price? Why wouldn't I go somewhere else for $100 a year?

- Does it state within your contract that I cannot switch to a different hosting company later on?

- Going forward, am I going to be able to hire any web developer for my website updates, if I am able to negotiate better prices?

This is another important note:

Make sure your web design company gives you the "FTP (File Transfer Protocol)" access to your website. The FTP allows you to hire another web design company to go in and update your website at any time. Without the FTP information, no one can update your website besides the original web development company or hosting company that you hired.

In Conclusion:

Be weary of web design companies that don't provide contracts for all of their projects. Be careful with your domain name; make sure that in the end, you own all rights to your domain name, not someone else.

I hope this article helps you out!

For more of Martins articles, go here:

smartads. info/newsletter

Natural diet tips to achieve fast weight loss

Because of the countless diet products lining store shelves and being advertised on television, people forget that the most effective way to lose weight is simply to exercise and eat healthy. Natural diet products, however, can help a person get to their ideal weight and they include green tea and whey.

Whey is a complex milk-based ingredient made up of protein, lactose, fat and minerals. Protein is the best-known component and it is made up of smaller protein subfractions like beta-lactoglubulin, alpha-lactalbumin, immunoglobulins, glycomacropeptides, bovine serum albumin and minor peptides such as lactoperoxidases, lysozyme and lactoferrin. Some of these subfractions are found only in small amounts (less than 1% usually) of cow’s milk.

The benefits of whey have been known for centuries. In fact, in Florence, Italy, it is said that if you want to live healthy and actively, drink whey and dine early.

Whey in weight loss

Many studies conclude that whey plays a significant role in weight reduction. The results of these studies were so astounding that whey was dubbed an adequate weight loss supplement.

Whey has unique effects on food intake. Having whey before a workout helps a person gain and preserve lean body mass. Likewise, whey maintains betaoxidation (or fat burning) during exercise, compared to other foods. If you include whey in your diet, you can increase your muscle mass and decrease your body fat. This is all because whey rapidly delivers amino acids to your body during exercise.

Not only that, but whey has been found to improve blood sugar regulation – which is another factor in controlling appetite and metabolism.

The benefit of herbal green tea extract

Green tea is famous for its medicinal benefits. Most Asian countries use it and other places around the globe are following suit. Aside from its well-known benefits, green tea can also help a person reduce weight.

Drinking green tea is also a safe way to get rid of those pounds. Unlike other herbal products, it doesn’t contain ephedra (which increases heart rate and blood pressure).

Instead, green tea contains high concentrations of catechin polyphenols, which work with other chemicals to intensify fat oxidation and thermogensis (in which heat is created in the body to burn fuels like fat). Moreover, green tea causes the release of carbohydrates to slow down and thus, prevents sharp increases of insulin in the blood.

One cup of green tea a day, or a supplemental tea extract, can help you burn 78 extra calories – so imagine if you drink more tea than that! Not only that, but green tea controls leptin, which is a protein produced by fats and it plays a vital role in how the body manages fat storage via brain signals. A lower leptin level decreases a person’s appetite and helps them to eat in moderation.

Green tea is a safe and effective weight loss tool.

Contact lenses and giant papillary conjunctivitis

Wearing contact lenses is such a pleasant and comfortable experience that only a few of us want to hear any bad news about any serious side affects of using the contacts over an extended period of time. For the most part, wearing contacts is virtually harmless. But if you have been careless about cleaning and disinfecting your lenses, it's high time you pay attention to it because protein deposits on the contacts can cause Giant Papillary Conjunctivitis (GPS).

GPS is an allergic reaction to either the chemical of the contact lens or the cleaning solution used. So, not only should you clean and disinfect regularly but should also be careful about the kind of solution being used to clean your lens. Those who are thinking of going for contacts must make sure that the material of which the lenses are made suits them.

Giant Papillary Conjunctivitis causes white lumps or giant papillae on the inside of the upper eyelids, and may cause extensive scarring barring you from using the contacts any further. Changing the contacts or the solution, whichever is the guilty party, may bring some relief, but you'll still need to stop wearing your lenses. In such cases, the best way is to find out if you are fit for LASIK, and if you are, go for it.

However, it is not to say that a person affected by GPC is prohibited from wearing contacts for life, but certain precautions have to be taken to avoid recurrence. Contacts with low water content work for limited use coupled with strict lens hygiene. One may also consider switching to the gas permeable variety, which lessens the chances of the GPC. There are a few stabilizing agents that may also be helpful in checking inflammation.

GPC is definitely a serious affliction and may create some very real problems for the contacts users. Prevention is the best cure in this case, too. It is important that you clean and disinfect the lens properly besides changing it frequently because protein deposits can be cleaned only to a certain extent, which means the more often you change your lenses, the lesser the chances of your suffering from the GPC. So, just be a little careful and the contacts will stay with you for life without trouble.

Take care of your neck tie it s important

:
Each time you get ready for your office you have to look whether you have got the right neck tie with your outfit and how much does the knot suits your personality. You can’t ignore this fact that neck tie is the most perishable item in your wardrobe. It’s important that you take appropriate care of it so that it lasts longer.

General rules -
If you purchase three or more ties then it would be better as you would be able to wear them alternatively. This will save from damaging your tie that you would wear daily.

When you keep your tie in the wardrobe then you should hang it with the suit or outfit that goes with it by draping it around the collar of the coat.

While you wear the tie you should repeat the same tie after a gap of two or three days because this will prevent from unnecessary crease and wrinkles.

Storage rules –
Always keep your neck tie in tie hangers (usually seen in shops) because these hold a single tie and reduce the chance of wrinkles.

You should never leave the ties with knots as it will crease the fabric of the tie and make it unmanageable next time when you wear.

Each time you open up your wardrobe try to move the ties you have hanged up because this will prevent from unnecessary creases.

When you return back home after a days long work remember to take out your tie knot and hang it properly.

Check if your tie is of silk fabric then hang it otherwise in case of knitted ties you should lay it flat or roll up and keep in a drawer instead of hanging it. Roll the narrow end of the tie first and leave it for a day or two as this will remove most of the wrinkles.

Cleaning rules –
You should not give a tie away for dry cleaning because most of the cleaners remove the spots but at the same time they press the tie, in turn it compresses the lining and dulls the luster of the silk fabric. Never press your tie as this will diminish the overall appearance of the tie by making the “roll” at each edge a “crease”.

If you have water spots on your tie you can easily rub that small end with a same piece of fabric on the spot or gently scarp the surface with your fingernail.

If you got stains on the tie you just need to dip a clean cloth napkin in club soda and then dab away the stained portion.

For tough stains, you should apply steam from an iron taking care that the tie fabric doesn’t touches the iron or you can hold the tie over a boiling kettle and then use dry spot remover as per the instructions on the pack. For something even tougher you can use spot remover such as carbon tetrachloride.

To remove grease, you can sprinkle a little talcum powder on the spot and leave it to absorb. After some time you can brush off the residue with the help of clean soft cloth.

Untying rules –
When you untie your neck tie you should never slip the small end out of the knot which decreases its longevity.

Unknot your tie by taking it off by reversing it and never slip it over your head or remove it by pulling on the small end.

Never leave your tie unknotted when you remove them as it will cause permanent creases in the fabric.

Visit our recommended website for details tying-neck-tie. info

Why buy level term life insurance

Term life insurance is often called temporary life insurance. Term life insurance is purchased to cover some type of asset over a fixed period of time. Term life has much lower rates than permanent plans because of these shorter time periods. Level term insurance is purchased to cover short intermediate-term obligations. The time periods can be 5, 10, 15, and sometimes 20 years. Short term debt is often covered by a level term policy. Family budgets are full of short term debt obligations. Families buy automobiles, appliances, furniture, and many other household goods and are in debt for these items over a short period of time. When you purchase these items you are often approached to buy credit life insurance to cover these obligations. It would be less expensive for a family to purchase a level term policy or rider to cover this kind of short term debt.

Level term policies are better than credit life policies because the insured can choose the beneficiary. The credit company is often the beneficiary with credit life insurance and so the insured has no option in how to use the money at time of death. Level term policies are better buys to hedge against inflation. The decreasing term policy is a little less expensive but the coverage declines. The cost of goods and services never declines and so a level term policy will at least maintain its original face amount for the whole time period.

You may want to compare level term rates and decreasing term rates. The difference may not be that much and so level term insurance may be a better purchase in the long run. The best type of life insurance planning includes a base of permanent insurance for life time needs and additional forms of term insurance for temporary needs. Level term life insurance is an excellent option for short term or intermediate term debt obligation.

What is a stair lift

By Flemming Andersen

A stair lift is something that more and more people are getting put in their homes. This is going to help people who cannot get around like they once did and it will allow them the freedom to live in their own homes on their own.

A stair lift can be used in just about any home. They are special chairs that are put on the wall where your staircase is in your home. This chair has a motor attached to it that will lift a person up and down the stairs. This is some thing that will come in very handy for anyone that has a hard time going up or down stairs. You simply sit in the chair and the stair lift will gently take you up and down.

Most of the elderly people that live alone in a two-story home rely on a stair lift to help them go up and down their stairs safely. For one reason or another, these people are not supposed to or cannot go up and down stairs on their own. With a stair, lift the elderly people who have this problem will feel more independent and free to do the things that they have always done on their own.

Many stair lift companies will install the lifts in elderly or handicap people’s home. It is important to have a stair lift installed by a company that has a good reputation in this type of work. It is important to have a proper installation for the stair lift. You have to make sure that it is installed properly because you have to make sure that you able to go up and down safely. There is no need for anyone to get hurt on a stair lift.

A stair lift is not a toy. It is defiantly not something that should be used by children on their own. You should not have young children playing on the stair lift. These things should only be used for people that really need them. Someone can get hurt if they are not careful and do not use the stair lift in the correct way.

A stair lift is something that any person that has a disability or handicap so that they will not have to move out of their home. Everyone deserves to have a sense of freedom and be independent. It is so important for these people to have the ability to do the same things that they always have. With a stair lift, you can still do these things.

For more info visit: stairliftsite. biz

How i got a pagerank of 5 in one month

:
About two months ago I started my own blog and I soon realized how hard can be to get some traffic to your site. You submitted your website to the search engines and finally got indexed, but if your site appears on a 5th ot 10th results page for a specific search, this will not bring a lot of traffic to your site.
Sounds familiar?

Well, bringing some quality traffic to your site is not that hard at the end. By putting some little effort in it I was able to achieve a pagerank of 5 in only one month and that drives pretty much traffic to my blog. My site was also showing in the top ten results on google for some really competitive keywords with millions of total results and I've done all this in weeks!

To drive good traffic to your site, you need to pay attention to two things:

1) Have quality content on your site
2) Have quality links pointing to your site ( or even better if you are able to exchange links )

I can't help you much with your site content, since it depends a lot on your website, but I can give you some advices on how to find good links pointing to your site.

Linking is one of the most important factors in the search engine optimization process. The number and quality of links pointing to your site show how famous your website is and the Google's pagerank is in fact calculated from the links pointing to a page, that's why the pagerank indicates how important a page is. The Pagerank formula is quite simple, the pagerank of a page A is an adjusted sum of the inbound links pointing to page A. And the value of a single outbound link from page B is calculated by dividing the pagerank of page B by the number of outbound links on page B.

Now let's take a look at where you can place links to your site.

1) Public forums - there are many public forums and places for discussion on the internet. Search for forums that you like, take part to the discussion and leave your link under your signiture. Remember to leave some quality posts, if you will just leave links you'll be easily banned.

2) RSS feeds - If you own a blog or you have a RSS feed for syndication on your site, there are dozens of sites that will publish a link to your site or even distribute your content for free.

3) Digg. com - A really high traffic website with links to articles. If you can have a good article linked from Digg, it will drive you tons of traffic.

4) Article exchange - If you are a good writer and have the time to write, you can find hundreds of sites that will publish and distribute your article and they will all link back to your site.

5) Link exchange - If you find some good websites related to yours you can ask the webmaster if he would like to exchange links.

6) Own a blog to promote your site - blogs are so popular today that even bigger business websites are starting their own blogs. A blog can be a really powerful tool for marketing your site. It can attract thousands of fresh, targeted visitors to your site for free and can help you earn a #1 ranking in the search engines, and drive truckloads of highly targeted traffic to your site.

And remember, always look for quality and try to put links on pages with high pageranks.

Payday loans provide money for urgent and troubled times

A sure way to deal with your cash problems that arise when you have exhausted your paycheck is to take up money through loans. With numerous loan opportunities, the borrower has to choose his option wisely. Through Payday Loans, the borrowers can take up money for their needs easily and without pledging any collateral with the lender.

These loans are available to those borrowers who are in need of money for their urgent needs but due to exhaustion of their paycheck, they are not able to do so, on their own. The money is available to them without pledging any assets with the lenders. Only some conditions of eligibility are required to be fulfilled. The borrowers should be adult citizens of the UK. They should be regularly employed since the last 6months and have a regular place of residence since the last 3months. The money has to be transferred to a current bank account of the borrower which is at least 6 months old.

The amounts that can be borrowed are dependent on the monthly inflow of cash of the borrower. The amount may be as low as

Synthetic diamonds - breakthrough gem material bests mined diamonds and moissanite

New age diamond simulants have all the look and beauty of genuine diamonds at a ridiculous fraction of the price. It is no wonder that polycrystalline synthetic diamonds have become a popular choice for savvy Hollywood celebrities and sophisticates looking for an ethical alternative to conflict diamonds, a popular choice when traveling when theft risk is an issue, or wearing them daily because they are, from a practical standpoint, indistinguishable from mined diamonds.

After you compare costs, coveted mined diamonds can be North of $10,000 per carat and Moissanite is about $525 per carat, it simply makes good sense to consider polycrystalline synthetics as a mined diamond or Moissanite alternative at approximately $79 per carat. Here are some important questions and answers so that you can discover more about 21st century polycrystalline as a diamond-substitute gem material:

How does the fundamental gem material of a mined diamond compare to a modern polycrystalline gemstone?

Mined diamonds are carbon (C); the most sought after synthetic diamonds are principally polycrystalline. Carbon conducts electricity/heat and polycrystalline does not. Polycrystalline jewels are designed to emulate mined natural diamonds aesthetically. They are not carbons and will not scientifically test as mined natural diamonds. Of the millions who enjoy wearing synthetic diamonds, none have reported being approached when they are out socially by someone admiring their jewelry with scientific testing equipment. Diamond simulants are diamond alternatives that mirror mined diamonds to the naked eye.

Can a jeweler tell the difference between a mined natural diamond and a synthetic polycrystalline diamond?

All mined natural diamonds have structural flaws called inclusions. A competent jeweler under magnification can see that polycrystalline gemstones are perfect and void of birthmarks. That distinction alone should signal to a jeweler that synthetic diamonds are not mined natural diamonds. Most jewelry store counter salespeople, who often call themselves "jewelers," are not professional jewelers or gemologists and cannot tell the difference, and it is for that reason that many jewelry stores invest in scientific testing equipment. When a proficient jeweler in a retail store, not an inexperienced sales clerk, sees a synthetic diamond without birthmarks, he/she should be able to tell the difference without further testing. There are no reports from that anyone can tell the difference without close magnified scrutiny and years of expertise, or scientific testing equipment.

Will polycrystalline synthetic diamonds test positive on a diamond tester, the kind a retail jewelry store would use?

No, they will not. The heat signature is different and this is reflected when testing by a diamond tester. Diamond testers simply measure heat conductivity; they do not actually detect the presence of carbon. Thus, retail jeweler diamond testers are sometimes fooled by colorless sapphire and Moissanite stones. If you are buying Moissanite at $525 per carat solely because you believe it will test positive on a diamond tester, this is probably an error. You will find that no matter how long or how many times you wear diamond simulant jewelry out in public or out socially, that no one will approach you with scientific testing equipment and ask to test your gemstones.

Are synthetic diamonds cut by hand?

No, they are cut by incredibly precise computer-controlled laser cutting machines. These sophisticated and enormously expensive machines create an optimized cut that perfectly aligns the facets of the stone for maximum light refraction. The best polycrystalline stones are then hand finished and inspected by master gem cutters. The term “hand-cut diamond” is a bit of a misnomer. In this day and age, few, if any, market quality diamonds are entirely cut by hand without mechanical assistance. Hand cutting was primarily done before the days of precise machining techniques, and a completely hand-cut stone can never be as accurately faceted as a stone cut with computer-aided machining processes.

Gemologists agree that polycrystalline synthetic diamonds are glittering and brilliant because they come closer than any other gem material to matching, often besting the characteristics of a mined diamond. If there can possibly be criticism about modern synthetic diamonds, it is that they are too perfect. Generally, these remarks are only made by the pretentious who think there is prestige in overpaying, despite the fact only the buyer really knows the difference because of the huge savings they realized. Polycrystalline synthetic diamonds, with more fire, are the intelligent de facto choice.

To receive a FREE comparison chart on how Diamond Nexus Labs lab-created diamonds stack up against mined diamonds and register for a FREE no-obligation $50 Gift Certificate giveaway send freechart@diamondnexuslabs. com and just type Free Chart followed by your first name in the subject line.

Importance of genuine seo techniques

There are some methods of SEO (Search Engine Optimization) you should follow for your website. SEO is very important for all websites out there in the Without SEO techniques, which are genuine, you cannot get your website to be known, and get any profit from it.

1. Content is King: Every search engine, Google included, looks for only the content. Content is the most important thing to rank high in search engines. Without content, your site is just another site, without much importance. So create good genuine content.

2. Build links: Building links is utmost important just as content. For this, there are several methods. One such method is writing to the related Webmasters and letting them know of your site’s existence. If they believe that your site has some content, which is linkable, they will definitely link to your content. Maybe some reciprocal linking is required. In that case, you can negotiate with the webmaster and ask them about the reciprocal.

3. No one can guarantee number one in search engines: Google is the most important search engine out there, and even Google top employees cannot guarantee your number one position in Google search. It is the result of your hard work and genuine SEO link building that will position you at the top of the search results. Otherwise, you cannot just get to the top of any search engines.

4. Link building yourself is better than consulting: You may promote your blog with genuine SEO, and that will rank your site higher than any SEO firm can do. So, it is extremely important that you do it yourself. Set apart some time in your daily schedule to build links with any niche blogs you know of. Also, ask your friends who have blogs themselves in the same subject to link into your site.

5. Do not trust blackhat SEO firms: Blackhat SEO techniques are those, which do not do genuine SEO but go by such methods as doorway pages, invisible text, keyword stuffing, etc. SEO should be done through Whitehat methods only. Otherwise, you may be permanently banned by search engines.

6. Do not do reckless link buildings: if your blog is two days old and has 1200 incoming links, then Google will ban you on the third day. So, reckless link building is equal to link spamming. Do not do that.

These and more of the techniques to do good SEO are available in the resources mentioned below. SEO is a very important technique to get your site to the top of search engines, thereby building your brand, getting sales, and profit. So, genuine natural SEO technique is extremely important for the success of a website.

The easy diet to help you to lose those excess pounds

If you are somebody who faces a yearly struggle and battle with your weight, this article may be of interest to you. In this article I write about how I have had an ongoing battle with my own weight and how I after a lot of courage lost the excess pounds.

I am one of those people who has a liking to the wrong types of food and drinks and as a result have had an ongoing battle with my weight for most of my life. I have always had to be very careful what I eat as I seem to gain weight very easily. In my life I have tried many weight loss programs, however I have always looked for a way to of losing weight without having to resort to starve myself or by having to do huge amounts of exercise.

I have always been annoyed and frustrated with family and friends who seem to be able to eat without getting fat. I am sure I eat half as much as these people but am still twice their size, it is not fair! That was until a couple of years ago.

I decided I needed to find my own way of losing weight. I had to be honest with myself, I was aware that I did very little exercise and that I liked all of the wrong types of food. I was a bit of a fast food junkie, this was only because of my busy lifestyle . One of my biggest problems though was that I liked snack food, such as peanuts, chocolate and crisps. I also liked an alcohol as this helped me to gain confidence.

I knew that most people would advise me to stop eating all fatty type foods, especially the pizzas and chips. They would also no doubt, advise me to join a gym and to go jogging every morning. Get real! Those gyms are full of thin people, if I go jogging I might get mugged, and I am sorry but life would not be worth living without my weekly pizza!

I decide that what I needed was my own weight loss plan. I thought that what I would do is to basically eat a healthy type breakfast, which would be cerial or toast. I would have a fairly light lunch, such as a sandwich, however for my evening meal I could eat whatever I wanted. The main thing and most difficult to implement would be the fact that I would be no longer eating between meals. The snacks had to go!. I am not trying to say that this was easy to do, however I had a need and was determined to lose weight.

For exercise I started to leave the car at home, wherever possible, and walk to more places. I also started taking my children to the park more often. At the park we would play games such as football, cricket and baseball. It is amazing how much weight you can lose by having fun.

These things in time helped me to lose a lot of my excess weight.

Improving self esteem with affirmations and therapeutic relaxation music

Positive self-esteem is very important for our general health and wellness as human beings. Having positive self-esteem is also important for promoting any type of healing, whether physical, emotional or spiritual. Poor or low self-esteem on the other hand can be quite detrimental to our well-being and even our very existence. Negative self-esteem can create anxiety, stress, loneliness, depression, problems with relationships, seriously impair academic and job performance and also can generate an increased vulnerability to drug and alcohol abuse and dependency. On the other hand, a person with positive self-esteem tends to be more motivated in taking on and creating a life that he loves, living it powerfully and in this process be authentically related to others in his community. Having positive self-esteem appears to be necessary for having a happy and healthy existence regardless of who we are or what profession we are taking on in life.

What is self-esteem? We commonly think that self-esteem is merely about how we feel about ourselves at any particular moment. While seemingly existing in degrees, we tend to believe that we have positive or negative self-esteem and that we make that determination simply by how we feel about ourselves. However, within a conversation of Transformational Counseling, our feelings or emotions do not exist alone or have an independent existence. We do not just simply feel. Rather, for every feeling or emotion that we have, either positive or negative, there is a corresponding thought that we have about ourselves that generates the experience of self-esteem. Whether positive or negative, self-esteem is merely how our organism experiences the thoughts that the individual has about himself or herself. If a person has positive thoughts about himself he will experience positive or good self-esteem. On the other hand, if the individual has negative thoughts about who he thinks he is then he will experience poor or negative self-esteem. Therefore, to truly understand what self-esteem is all about and more importantly to be able to alter it when necessary for ones wellness or healing, we must first get it that self-esteem is really about our thinking, and more specifically about the thoughts that we develop or create about ourselves. The thoughts or beliefs that we have about ourselves are crucial in that they determine or create the structure of our experience of self-esteem and the various emotions associated with it.

We also tend to think of our self-esteem as being something that is shaped by the events that take place in our life, particularly those from our past. We tend to believe that who we think we are and how we feel about ourselves is merely the product, effect or caused by the experiences that we have had in the past, that we are who we are by virtue of what has happened to us as human beings. More specifically, we tend to think that the cause in the matter of who we think we are and our self-esteem is due to circumstance, situation or others, people, places and things. We do not tend to think that our self-esteem is something we actually developed or created. Within the work of transformation, it is not the past, circumstance, situation or others, that determines our underlying self-image and corresponding self-esteem. We created our thoughts and with it our emotions from the meaning that we gave to the events that took place in our life, especially at an early age. As meaning making machines we give meaning to everything in our life including and most importantly to ourselves. At an early age the meaning that we give an event tends to be made out to be all about us. While events do happen it is not the events that are important but rather the meaning that we give them and especially how we made it out to be about our identity.

Given the fact that our thoughts determine our feelings or emotions and equally important that we are truly responsible for their creation, to change or transform our self-esteem, how we tend to feel about ourselves, amounts to us altering how we see or conceive of ourselves in the world in the now and this work is our responsibility alone. It is our self-image, how we define ourselves as an individual in the world in the present, that determines our experience of self-esteem and it is this that we are truly responsible for creating and equally responsible for transforming. When we alter or transform our definition of ourselves in the present we change how we feel about ourselves and with it our experience of reality and life in general. If we do not get it that we are responsible for what we think about ourselves and that we are the real author of our self-image and self-esteem we will continue to blame something or some body, remain powerless and stuck in life. The question of how to actually go about altering or improving an individual’s self-esteem is one that has been debated for many years by professionals both in the mental health and addiction arenas.

Self-esteem can be improved or transformed in several ways. One way to improve ones self-esteem is to do the work of transformation as outlined in my articles, Transformational Counseling and The Conversation of Transformation. To improve ones self-esteem in this manner is to become present to ones self limiting belief, that which has stopped us in life and in the process create new possibilities for oneself, a new self-image from which to begin to live life into. Another way to improve an individual’s self-esteem is through the use of positive affirmations. Given that the basis of self-esteem is the thoughts that a person has about himself, an individual with poor or negative self-esteem is believing negative thoughts or ideas about who he thinks he is. The individual may think, for example, that he is “worthless” or “not good enough” and as a result will tend to experience poor or negative self-esteem. Within the work of transformation and Transformational Counseling, the thought that is at the basis or core of our self-talk is defined as a person’s Self Limiting Belief, the fundamental or core belief about who we think we are. Unless this core thought or belief that a person has about himself is changed or transformed he will continue to experience a poor or negative self-esteem and as a result of this negative thought pattern create or generate life experiences that will match and validate what they think about themselves. Given such a cognitive and emotional situation life will continue to appear as it has in the past and ones future will merely be the probable almost certain future.

Utilizing positive affirmations can be a very powerful tool for transforming what a person thinks about himself and as a result improve the individual’s self-esteem. Consistent use of positive affirmations will transform the negative beliefs about who a person thinks he is into positive ones, will begin to alter the basis and structure of his self talk or inner voice and produce a transformation from poor self-esteem to positive self-esteem. While utilized in a various ways, working with positive affirmations will be more effective when delivered through or combined with therapeutic relaxation music. What therapeutic relaxation music does to enhance the effect of positive affirmations is to create a very relaxed audio environment for the individual to become even more open or suggestive to the language of positive affirmations. When therapeutic relaxation music is combined with binaural audio tones the audio space that is created for the delivery of positive affirmations is even more relaxing and as a result very powerful. In addition to utilizing a unique type of therapeutic relaxation music, the infusion of either theta or alpha binaural tones is crucial for the success of this type of intervention. When therapeutic relaxation music and binaural audio tones are combined in this fashion the individual will experience a very deep state of relaxation and as a result be more open to the reception and eventual acceptance of the positive affirmations.

The key to the effective use of positive affirmation in this or any other type of intervention is consistency. The self-image and the negative thoughts about who a person thinks he is that generates his experience of poor or negative self-esteem is well established in the his belief system. In many cases the development of a negative self-image took years to create and has been reinforced through repetitive behavioral validation. Once a person creates and then believes that a self-limiting belief is true he will continually act as if it is true. This seemingly fundamental belief will appear to the person as true and as a result will continually be acted upon and thereby be reinforced through ones behavior. Much of that person’s behavior will be to continually validate who he thinks he is. Ones behavior will always be directed at supporting, reinforcing and validating what the person believes is true about him. While necessary for ones well-being and health, such a transformation of ones self-image from being basically a negative one to one that is fundamentally positive does not happen instantly. As with the development of an individual’s negative self-image, the development of a more adequate belief about the true nature of the individual will necessitate consistent and repetitive work by the person. Basic to this process is that the individual must fully embrace his sense of complete responsibility for the development of his self-image and also for its transformation. To do otherwise will only leave the individual feeling powerless and unable to create the life that he or she truly desires and unless there is consistency and repetition such a transformation will simply not happen.

Enhancing My Self Esteem is an audio product that will effectively transform the very structure of an individual’s thought or belief pattern, the basic ideas and language structure that he uses to define who he thinks he is in the world. This product was designed specially to change the self-talk that a person experiences on a daily basis by changing the ideas or beliefs that the person has about himself, the very foundation or backdrop of his inner conversation. As our identity is merely language, change the language in a person’s mind and his life transforms. By listening to this product an individual has the opportunity to practice or repeat fifty positive affirmations that will empower them to alter their life. Within a conversation of Transformational Counseling, committing an affirmation to spoken word makes it so or real especially if it is done repeatedly. Listening to positive affirmations before sleep also allows the person’s mind to begin this restructuring or reprogramming process even while the individual sleeps by taking the words and language into their dream state. By consistently listening to and practicing the positive affirmations in this product the individual will have the opportunity to begin to redefine themselves, who they think they are in the world, from one that is negative to one that is positive and enhancing for their life. With the acceptance of the words and language of the positive affirmations will come an improved self-image and with it an experience of positive self esteem.

I am currently using Enhancing My Self Esteem with all the clients that I counsel at the Holistic Addiction Treatment Program in North Miami Beach, Florida. All of the clients that I have worked with who are experiencing a drug and/or alcohol dependency problem also have very low self-esteem. My clients tend to be very depressed and unmotivated in many if not most of the various domains of their life, including and especially with their recovery. When given to my clients as homework, consistent use of Enhancing My Self Esteem alters how they think and improves how they feel about themselves. With an improved self-image and enhanced self-esteem my clients become more motivated in their life and especially with their recovery. If a person continues to experience low self-esteem and there is no intervention to disrupt the underlying cognitive process taking on improving their life and working the 12 Step Program will be meaningless and eventually given up completely as so many other things have been in the past. It is my belief that not altering or transforming the fundamental structure of ones self-image accounts for the great percentage of individuals who begin recovery and eventually relapse. The work that is essential to successful recovery is for the individual to be able to redefine who he thinks he is, to alter his self-image, the very foundation of his experience of self-esteem and life. Who the individual believes he is will determine what he does and how he will be in and appear to others and the world.

Harry Henshaw, Ed. D., LMHC

enhancedhealing. com