The Best Classy Contents

Message on a Necklace - A Gift of Love

2011-09-27T05:03:00.000-07:00

A massage on a necklace may be a personal love letter or a great thought of gift idea. Words from your heart may create greater appreciation and your lover or friends may feel the best from their deep. You should customize your message gift with the help of an expert from a suitable site.

message in a bottle

personalised gift

Select a wishing well from the best site

2011-09-23T06:53:00.000-07:00

Money instead of gifts is a wishing well. To select a wishing well your decision may be the actual fact. So you have to choose the best site to select the best wishing well. The links are my first and the best option to select wishing well for hire or pick up which are embedded at the bottom of the article. I hope it also be for you.

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wishing well hire sydney
wedding wishing well hire sydney

Latest Paying and Legitimate PTC Sites

2011-08-25T21:53:00.000-07:00

Eagles Giants Skins

2011-08-25T21:27:00.000-07:00

Ticketamerica.com has tickets for the phildelphia eagles and the new york giants and the washington redskins tickets.
phildelphia eagles tickets
new york giants tickets
washington redskins tickets

Ticketamerica.com is Essential one

2011-08-24T20:51:00.000-07:00

Ticketamerica.com
Ticketamerica.com has tickets for the jimmy buffet concert and the harlem Globetrotters and all of your daytona 500 racing tickets.

jimmy buffet tickets
harlem Globetrotters tickets
daytona 500 racing tickets

Funny Facebook status for Entertainment

2011-08-04T22:44:00.000-07:00

In our daily life facebook is now an essential one. Everyday its brightness is increased by its various applications and users. Actually all of us use this site for social networking and entertaining. Sometimes we look for the idea of Funny Facebook status which is now informed by some other sites. The new users may learn about that from those sites. So know about 'Funny Facebook status' and stay with facebook and continue your networking and entertaining.

Top Bookmakers for Sports Betting

2011-07-30T20:01:00.000-07:00

People who are related to sports betting are fond of looking for the top bookmakers. If you interested to this betting programs you may get the top bookmakers by online. I found the best site for sports betting kladionice. In this site you will see the betting related articles those are very helpful to everyone. To see this site in English, click here

What to do to Root Your Samsung Galaxy Ace S5830 Android Phone

2011-07-27T22:22:00.000-07:00

To root your Samsung Galaxy Ace S5830 Android Phone, at first you need a software which you can find online. But you have to choose uninfected site to download the software. I found a great site Root Samsung Galaxy Ace in which you will get the total solution of rooting your Samsung Galaxy Ace S5830 Android Phone. You'll learn the tricks or tips about rooting with the option to download the suitable software.

Flash Game, the Favourite one

2011-07-27T20:05:00.000-07:00

Flash game is very popular to maximum gamer. I'm also fond of that. I often browse a flash game site Igrice in which I've found very interesting flash games. Those games are very popular. To play those games you may have to install latest version of the flash player. Stay with this site and enjoy your favorite flash games.

Tapestry the way of Home Decorating

2011-07-19T21:24:00.000-07:00

We are always fond of beauty. So everybody wants to decorate one's home attractively . There are many ways to decorate home- with flowers, trees, wall mates, tapestries etc.

Tapestry is the best way to decorate home. It may be various kinds of tapestry - Tapestry wall hanging, Iron gate. The finest collection of woven tapestries is made by premier weavers, hand-finished, Jacquard-woven wall hangings. Tapestries are made of the highest quality cotton, chenille, and wool available on the market.

Tapestry is found in online-offline market. You should choose the best tapestry from the market. You may buy it online easily. You must notice the size, color, artist of tapestry.

The best Apple® - iPad™ Shopping Center

2011-07-17T23:47:00.000-07:00

Now a time the Apple® - iPad™ is very popular to all. But you have to make decision to buy the different capable ipad from the correct place or shop. You may buy these ipads either online or offline . Your best online shopping center may be http://starworthcomputers.com/category/Ipad.html . You can buy all computer elements from this site.

Free Laptop with Broadband Contract

2010-11-09T03:30:00.000-08:00

Laptopsare one of the very modern and portable machines in this modern age you cankeep and take these machines anywhere where ever you want to keep and take onlycause of their portability.

Internetis also one of the modern inventions in this modern age you can get whateveryou want just typing few words even can travel through internet all over theworld.

Whenwe talk about laptop and internet these both innovations have a perfect match youjust need an internet connection and with your portable device you can getwhatever you wish to get these have changed entirely the life style of wholeworld and have provided many facilities.

Fewyears before it was very difficult to connect your laptop or computer with internetif you want to do any online work but nowadays the situation is entirelydifferent you can get connected and can do online work where ever you wish todo and it’s all possible using free laptop with broadband contact you can stay connectedand it’s all done through fixed line modem and there is no need to worry aboutany line rent.

Usingyour broadband laptop contracts you can access the high speed internet and ifyou have 3G mobile services then you can make the more high speed internetconnection.

Ina country like U.K many companies are who are providing free laptop withbroadband contract like Vodafone and O2 etc. and all this done believe me causeof free laptop contracts you only have to pay for a mobile broadband and youcan get free laptop with and prices are vary according to the links provided bythe companies, once you sign-up with any company you can know the prices ofthese companies. Prices are as economical as you can think of but for gettingthis free laptop service you have to keep contract with your chosen company for2 years or so and its good enough.

Manypeople prefer notebooks instead of laptops because they suppose notebooks arelighter than laptops so the best thing is many laptop contracts companies areproviding these facilities as well.

Asfar as free laptops are concerned these are suitable for those students whowish to stay connected with their friends and for those businessmen who wish tosend e-mails to their clients and want to expand their business growth and veryuseful for those tourists who have to travel from one place to another and beforegetting the free laptop see first is their characteristics are matched withyour needs because many companies are who are providing built in SIM laptopcontracts and this innovation is very popular among people nowadays.

Best Companies:

* Vodafone: http://shop.vodafone.co.uk/shop/mobile-broadband/data-devices/

* O2: http://www.o2.co.uk/broadband/laptops/

* 3Store: http://threestore.three.co.uk/laptops/

Before makingcontract with any Laptop Company see the features of laptops or notebooksfirsts, see are these laptops or notebooks compatible or match with yourpersonality? And laptop Contracts Company will give you what you paid for.

Why is it so easy to get a credit card?

2010-11-08T19:23:00.000-08:00

Beingthe owner of a credit card can be disastrous especially in today’s societywhere it is so easy to obtain one. In most states, in order to be eligible fora credit card you merely have to be eighteen. Companies today don’t care
aboutparental consent or even if you are employed or not, they only care that
youare eighteen and legally responsible to satisfy a contract.

Research done by The Education ResourcesInstitute and The Institute for Higher Education Policy shows that, in today’ssociety, seventy two percent of college students own at least one credit card.This is a dangerous move because college students could be using the cardirresponsibly because of the student’s financial history and experience. So whywould a credit card company give a cardto these young adults knowing that they’re at a high risk of not responsiblykeeping up with their finances? The credit industry loans you money, justhoping that you mess up with your payments. They will drop you in a hole ofdebt without you even knowing and they are more than happy to do it because youhave an obligation under law to pay them. Most young adults don’t yetunderstand how ruthless the credit card industry can be, and the effects thatit could have on your life.

For example, a young man decides tobuy a Visa credit card because he has a job and has money saved in the bank. Hehas already been through the weight of costs and benefits and he feels thatthis is a good decision because of the opportunity and transaction costs. He hasmoney, longs the convenience of being able to make purchases online or over thephone, and having the money whenever you need it. For the first couple monthsthings are great, but then he gets his bill to Visa on Dec. 5^th whenit was due on the 4^th. The next month when he gets the bill he willhave a late fee and his interest rate will have risen 15%.

Part of the ruthlessness of thecredit card company is that they can raise you interest rate so drastically.They can raise it to any level that they want, however, they must realize thatthey are in a competitive market and people will look for the company thatoffers the best interest rate. What he doesn’t realize when looking for abetter interest rate is that all the other companies in the market know howreliable he is through his credit score. All companies involved in credit andlending sends incidents like late payment to credit bureaus which then assignyou a credit score. The more incidents, the lower your score will be. So, witha low credit score interest rate will be very high now matter where you go.

Credit card companies don’t justgive anybody a card, but the actually try to suck you in to getting one. Also,once they suck somebody in, they try to keep you there by only billing you forthe minimum owed which is their interest rate and financing. They don’t sendyou what you actually owe them; they just bill you every month for allowing youto spend their money, for which another bill is just piling up faster than youwould ever imagine. On top of the credit card debt most people need to getloans for things that they want to do in the future. Major credit debt such asthis can be dreadful for your future if not handled very responsibly. Just saythat a man is in credit card debt and wants to now apply for a loan to get anew car. If he does get the lone it will be at a very high interest rate so thecar will end up making any car you try to buy so much more expensive.

Creditcard debt is so devastating to the hopes and dreams of many people because ofthe fact that cards are so easy to acquire and so difficult to get rid of inentirety. But credit card companies don’t want to get rid of you because thelonger they have you, the more money they will get out of you, which is allthey care about. That is what makes them so easy to obtain.

Hiring a Financial Advisor – A Necessity

2010-11-08T00:45:00.000-08:00

A smartperson is capable of managing his funds very well. However, I still stronglyadvocate the necessity of hiring afinancial advisor if, you’re planning to make investments. It isn’t a sinto ask for help nor is it a crime. Getting some professional advice is a must inthe present situation,
where there is very much uncertainty prevailing in themarket. By hiring a financial advisor,your finances could be handled in a better way and you could have someone toentrust your financial safety as well.

Once madeup your mind and now if you are considering hiring a financial advisor you have to keep certain basic things inmind. If you follow the below given basics and really apply them, then for sureyou’re going to end up in finding the best professional possible and thusgetting your finances in safe hands.

1. Ask for the reference from a rich person – People who are richusually do not manage their money. You can take an advantage of this criterionand take a reference from any such person. A real shot isn’t it? For sure, youare going to land up in a top professional’s office.

2. Get well prepared for your meeting – When you land upinto a high-class advisor’s office, he will ask for your financial details. Sodon’t forget to get along, the copies of your investment statements, expensebreakdowns, most current tax returns and your net worth. Expect this sort ofprofessionalism from a real advisor, otherwise you should probably be findingsomeone else.

3. Show-up during your first visit – During your firstmeeting the financial advisor actually does your complete financial checkup.The motto is to discover your current financial health and your futurefinancial objectives. A professional advisor shall engage you in such a waythat you end up revealing all the necessary facts. On the contrary if, theadvisor exclaims himself and exaggerates the talk based on his firm then he isactually not the type of financial advisor you are looking for.

4. The Financial advisor should make his Investmentphilosophy clear – Whenasked about the financial policy, a true financial advisor should be able tointerpret the same briefly and in simple terminology. Here, your job is toassess if his philosophy coincides with yours.

5. Check out the financial advisor’s fee – Financial advisorsdo charge in many different manners. Some do take commissions (an agreedpercentage on every transaction made on your behalf) while some do acceptannual fee on the assets managed. Some others prefer to be paid hourly and somelike to take both fees and commissions. Do freely question the financialadvisor to mention their way of charging for the services provided includingany hidden fees in particular.

6. Select the mode of payment – The best option tochoose would be a fee-based arrangement. In this arrangement, you are in abetter position of cancelling the services of an advisor, if he not takingenough care of your funds. Under this arrangement, usually you have to pay anannual fee of 1 – 2.5% of the value of the assets he is managing.

7. Make the financial feel your presence - To make thefinancial advisor feel your presence, just providing him a handsome amountdoesn’t suffice. You have to prove it from your courteous nature, may be byjust a simple gesture of saying ‘thank-you’ he really does some earnings foryou. After all, saying two simple words ‘thank you’ goes a long way.

8. Just don’t look at the financial advisor alone – The fact that thefinancial advisor you have chosen has a good support team makes a lot ofdifference. It provides an assurance that you always receive the kind ofattention and services you deserve. Also this decides whether your funds are inthe right hands or not.

9. Make background checks – Do check thefinancial advisor’s background present on the U4 with the National Associationof Securities Department (NASD) or visit their official website www.nasdr.com and enquire aboutthe advisor.

10. Check out for those advisors who boast – To have a look atthe portfolio of a financial firm, the farther back you go the saferprojections you are bound to get. For solid financial forecasts, a goodfinancial advisor should provide you details of historical returns going backat least 20-30 years. Ask for the breakdown in the proposal between stocks,bonds, and cash when the advisor presents you with the investment proposal.

11. Investment risks need to be explained – A potentialfinancial advisor always explains in detail the risks embraced with theinvestment. He is expected to enlighten you of the facts and figures related tothe market and its trends based on the last 30-45 years.

12. Has a list of satisfied clients - Prefer the financialadvisor who has an on-going list of satisfied clients. After all, all thatmatters is money, right?

13. Here comes your sixth sense – Feel comfortablewith the person, whom you want to hire as your financial advisor. Do you feeldeep inside that he is the right person to trust? Your sixth sense, for surewill guide you. Just follow your gut feeling.

14. Always keep in touch – Keep in regularcontact with your financial advisor, it does matter. You should be contacted byyour financial advisor at least twice a year and you should together previewyour financial condition at least once a year. If, not you are into a greattrouble.

The abovementioned rules shall sure-shot help in finding a life-long financialassociate. It’s high time now to move on with your decision of hiring a professional financial advisor. Thelast piece of advice I can give you is to take some time out, interview someprofessional advisors (keeping in mind the above basics), and choose the bestsuited for your needs rather your funds!

Vitamins – Vital for Life

2010-11-08T00:35:00.002-08:00

Vitamins are a group of nutrients which, in small measures, areessential to sustain life. It is quite impossible to sustain lifewithout all the vitamins. They together with minerals form micro-nutrients,which though in smaller amounts are extremely necessary for our well-being. Thevitamins are not produced in our body (if produced, it is in a very negligibleamount)
and so should be obtained from food in sufficient quantities for properdevelopment, strength
and in totality to maintain health. A deficient intake ofa particular vitamin causes disease symptoms which can be treated by having aregulated amount of the vitamin.

Vitamin A is thename given to a group of compounds which regulate certain actions in our body. Retinol, one such compound is used as astandard to measure the activities of other related compounds What arevitamins?. Vitamin A is a fat-soluble vitamin and isobtained from food of both plant and animal origin. If the vitamin is obtainedfrom plants (that we usually use for food in the form of vegetables and fruits)it is called pro-vitamin A (carotene).If the vitamin is obtained from a food source that is of animal origin (milk,eggs, butter, and so on) it is a pre-vitaminA (retinol or retinal).

Vitamin A isessential for the normal functioning of our eyes and promotes good visionespecially in dim light. It is vital for the growth and recovery of bones,teeth, tissues, cartilage and collagen. It is helpful in the formation of skin,teeth, eyes, ears and many other body organs. It acts as an important part ofthe body’s immune system and is suitably known as ‘the anti-infective vitamin’. It arms our body by enhancing theantibody response against the micro-organisms.

If VitaminA is taken in a deficient amount it may affect eyes (night blindness or xerophthalmia), skin (dry skin prone to infections), growth (growth retardation and improper tooth formation), immune system (skin and respiratoryinfections), and lead to othersymptomatic diseases like cancer, heart disease, arthritis, and so on.

The sources of pre-formed vitamin A arefoods of animal origin like butter, whole milk, egg yolks, cod liver oil, beefliver, some sea food and such other like sources. The pro-formed vitamin A is found in foods of plant origin likevegetables – carrots, pumpkin, sweet potatoes, apricots, spinach, broccoli, andmostly in dark green leafy vegetables and fruits – plums, apples, berries,papaya, and some other dark colored fruits. The more intense the color of thefruit or vegetable, the higher amount of beta-carotene content it has in it.

Too much of anything is not good. So is the case with vitamin intake as well. If, it is takenin excess, it results in overdose resulting in headache, followed by chappedlips, dry skin, fatigue, emotional imbalance and bone and joint pain. Increasedintakes of beta-carotene can result to a condition called as Hypervitaminosis A (skin color changes to yellow then to orange).

The Basic but Useful Course on Dog Training

2010-11-05T04:19:00.002-07:00

Welcometo the mini course in dog training. Reading these steps you willreceive basic advices from how to potty train your puppy to howcreate him into that wonderful loyal friend as only a dog can be. This is lesson one and it is about puppy training.

Of course, beforethe puppy is brought home to you certain things are needed, such as,a bed, food and water bowl, a collar and a leash and toys. To havethese things ready will not only make it easier for you, but it willalso be easier for the puppy to feel at home.

A good time to startthe training of a puppy is when he is six to eight weeks old. Themost important rule is to do everything on routine. Be consistentwith rules and make sure that all family members follow the samerules that have been set up for the puppy. This is necessary in orderto avoid making the puppy confused. Young puppies are veryimpressionable and vulnerable, thus, they need security. Routine is apart of creating that safe haven.

Toincrease the puppy’s feeling of security, choose a place that canbecome his own. Cover the floor with paper, put the bed and foodbowls in a corner and leave some toys there. Give the puppyattention, but not too much. Play with him gently and make him knowthat you love him. However, he must also learn to be by himselfsometimes. Remember, the puppy is still very young so he needs a lotof sleep. It is important you give him that time.

Socializing isanother key factor. Let your puppy experience many different socialsituations and keep these activities fun and without pressure. If adog has positive experience with people and other animals when young,then he will feel more secure and relaxed also in the future. Thegoal of the socialization procedure is to teach the puppy that helives in a happy and safe world. There is no need for him to beafraid of others.

Health Tips about Lead Poisoning

2010-11-05T02:06:00.002-07:00

Leadpoisoning is a disease caused by eating or breathing in lead. It isa serious health problem in young children from six months to sixyears of age

CommonSigns and Symptoms:

Low-levelsof lead

learning problems
hearing problems
failure to grow
behavioral problems
easily excitable
easily upset
restlessness
short attention span

High-levelsof lead

poor appetite
tiredness
easily annoyed or bad tempered
vomiting, nausea, abdominal pain
metallic taste in mouth
diarrhea
headaches
muscle and joint weakness or pain
constipation

VeryHigh-levels of lead

weakness
sleepiness
repeated falling
seizures
coma
paralysis (not being able to control your muscles)
high levels can harm the kidneys, cause long lasting brain damage and even death

Causes:

The mostcommon source of lead is old lead-based paint which wears down intodust, chips and flakes. The dust clings to toys, fingers and otherobjects that children put into their mouths. This is the way leadmost often gets into a child. Some young children eat paint that ispeeling or chipping because it tastes sweet. Children also get leadinto their bodies by chewing on lead-painted surfaces such aswindowsills, stair railings, and steps. . **Be sure to ask yourlandlord if lead based paint was used in your home before renting.Also, ask for a Letter of Declaration” guaranteeing the apartmentis free of lead based paint.

Chewingon fishing sinkers, curtain weights, or other objects made with leadcan cause lead poisoning. Eating cigarette ashes or matches,handling old car batteries, eating dirt with lead in it, or eatingfoods from poorly glazed imported leaded dishes and cups are someother ways a child may be exposed to lead. Removing lead-based paintfrom our home can also expose your child to lead dust or fumes if itis not done correctly. Lead may get into drinking water whenmaterials used in plumbing materials, such as pipes, lead-basedsolders, brass and chrome plated faucets, begin to corrode (breakdown).

Lead hasrecently been found in some plastic mini-blinds and vertical blindswhich were manufactured in other countries. In addition, lead may bepresent in old toys, some imported toys, lead-glazed or lead-paintedpottery, leaded crystal, and some inks, plasters, hobby and sportsmaterials (such as artists’ paints, ammunition, stained glasstreatments, or lead sinkers used in fishing).

PreventiveMeasures:

Checkyour house for any loose, cracking, peeling or flaking paint. If itis present, you and your children should stay with a friend’s orrelative’s home while you have the paint removed by a trainedworker. Until you can have all the paint removed, you can usetemporary removal methods. Do not do this if you are pregnant.

Use adamp mop or damp sponge to remove the loose paint. Carefully use awet mop or wet sponge to clean up the dust and flakes, wrap the loosepaint in newspaper and throw it away in a plastic bag. Wet mop thefloors and damp sponge the walls and woodwork with a solution ofwater and powdered dishwasher detergent. Use 2 tablespoons ofpowdered dishwasher soap in a bucket of warm water.

You canalso temporarily cover large areas with masking tape, duct tape, orcontact paper or paneling. Check every day for more loose paintflakes so you can clean them up right away.

Activity:

Yourchild should have a blood test for lead poisoning for the first timeat 1 year of age, up to age 6. Thereafter, your child should beassessed for lead poisoning annually up to 18 years. Any time yousee your child eating paint chips or chewing on painted surfaces,call your health care provider to schedule your child for ablood-lead test.

The Wonder of Virgin Coconut Oil

2010-11-05T01:34:00.002-07:00

Virgin coconutoil is a product taken out from fresh coconut meat by natural method.Its manufacture does not use any chemicals, additives, orpreservatives to keep the fundamental properties of the oil. It canbe consumed with no extra processing required because it is said tobe rich in vitamins and minerals. It is termed “virgin” due toits pure, complete, and unrefined form.

How it works

Coconut oil actsas an excellent skin moisturizer if used after having a shower. Oilslike coconut or jojoba, olive, and Vaseline petroleum jelly stay ontop of the skin and confine moisture, therefore working as a watersealant. They perform best when applied to moist skin. People withKeratosis pilaris or Xerosis are recommended to regularly moisturizetheir skin with pure coconut oil after bath to efficiently overcomethis condition.

Ultraviolet raysare very destructive, that is why the use of coconut oil is highlyrecommended when exposing yourself out in the sun. Applying virgincoconut oil will protect your scalp from drying and damaging causedby the UV rays.

Virgin coconutoil also works as a whitening product for dark elbows and knees. Bysqueezing half lemon mixed with a teaspoon of coconut oil, you canrub the mixture to help with the spots. It can also cure crackedheels through the application of the combined oil and petroleum jelly(Vaseline) before you sleep.

For those whohave suffered with inflammatory conditions of the intestines, theyhave effectively used coconut oil for its anti-inflammatoryproperties. Furthermore, people who undergo digestive disorders alsogain from using it regularly because the oil has the capacity to helpdevelop the stability of microorganisms. The fat-soluble nutrients inour foods are being consumed by our bodies with the help of the purecoconut oil’s fats. In short, we take in additional nutrient valuefor every bite when adding coconut oil to our vegetables.

Moreover, virgincoconut oil kills bacteria causing body odor, reduces itching, stopsand hastens healing of wounds, supports immune system, and acts as anexcellent detoxifier.

Anti-MicrobialProperties

Coconutoil contains lauric acid which proves to be an anti-bacterial,anti-fungal, and anti-viral that aids to boost both your immunesystem and your metabolism. In other words, it helps prevent you fromgetting sick. According to some studies, lauric acid can help yourbody battle with bacterial infections like HIV, herpes, strep, andother viral infections.

Tips& Warnings

Coconut oil can be consumed freelywithout any unfavorable result since it is a food. Just make sure tomaintain the appropriate range of total calories needed by your bodytype and activity level.

Useful Tips of Skin, Hair and Nail care

2010-10-31T10:47:00.002-07:00

Skin,Hair and nail care is an important but neglected aspect in pre andpost cancer therapy. Looking Good is very important to start feelingbetter while undergoing various chemotherapeutic and radiationtreatments.

But why is skin care important during therapy?

There are 4 important reasons :
1. It is the most visible side effect.
2. There is a great Psychological discomfort with skin manifestations.
3. It can lead to systemic infections
4. Most importantly it affects routine life

TheGood News however is that most of it is reversible, easilytreatable and only basic care is required for correction of suchproblems

Thereforelet’s look at how we can feel better by looking good

HairLoss

Hairloss is the most disturbing side effect. Some patients feel that thisis worse than losing a breast. This is because it threatens yoursense of self, your sexuality, your personal image and most of all---YOUR PRIVACY.
The Good News is that it may be traumaticbut it is Temporary.

So why does hair loss occur?

Chemotherapytargets all rapidly dividing cells. Since hair follicle cells divideevery 24 – 72 hours hence even those cells are destroyed. Hairloss may be gradual or dramatic. It may present as clumps in yourhand brush, in tub drain or pillow. It usually affects only scalphair but can affect other areas. Extent of hair loss depends ontreatment use and duration.

The various drugs that can cause hair loss are:
* Adriamycin: that causes complete hair loss in first few weeks including areas other than scalp.
* Methotrexate: mostly just thins hair.
* 5 - Fluorouracil: Minimal hair loss.
* Radiation Therapy can cause Hair loss only on particular part of body treated.

* Whereas Tamoxifen may cause some hair thinning, but not baldness.

And how soon does hair grow back?

PostChemotherapy: within 2-3 wks a Soft fuzz may be noted. In 1 month,Real hair may be seen and in 2 months 1 inch of hair may be seen.Hair growing may be different color, different texture.
Postlocal Radiation: it may take 4 – 6 months before growth can benoticed. However few bald areas may remain. Post tamoxifen hairloss usually tapers off after 1 year. In these cases minoxidil, adrug that promotes hair growth can be tried.

Itis not very difficult to cope with hair loss. You can crop it shortor cover it with a scarf or a wig. However it is necessary to becareful before using a lot of cosmetics to cover or promote hairgrowth.

SkinCare

Thecommon skin problems experienced during chemotherapy include
* Rash/ allergic reaction
* Itching
* Dryness of skin
* Darkening ofskin
* Oral erosions

Basiccare can help in alleviating most of these conditions:

* ForDryness of Skin it is important to moisturize frequently. Itis better to use a heavy weight moisturizer.
* To prevent Darkening of Skin use a Sunscreen with High SPF. Umbrella is amust when going outdoors.
* Itching is mostly temporary andusually symptomatic treatment is enough. If persistent it isimportant to contact your care giver to rule out systemicproblems.
* Skin changes noted during radiation therapy areColor Change where lighter skin turns red and darker skin turnsashen.
Itching, burning, tenderness may be experienced in fewcases.
* Dry peeling of skin and also wet peeling, blistering atsensitive areas such as armpits and under breast folds may benoted.
* All skin changes post radiation generally heals quickly.Redness goes away fast, Tanning however may persist for a few weeks.

Use of moisturizers help and sometimes, topical steroidal creams areneeded.

* Cosmetics should be carefully used during chemotherapy.

* Moisturizers can be used liberally. Exfoliation can be done at times. Facials, massage not contraindicated but it is important to be careful.

* Deodorants, sprays can be used but avoid using if the skin is peeling or raw.

BasicSkin Tips for a healthy skin would include,

* Sleep on your back with head elevated to reduce puffiness of face in morning

* Avoid Smoking

* Avoid alcohol based cosmetics

* Avoid washing face more than twice in a day

* Moisturize daily

* Use sun screens liberally

NailCare

It is alsoimportant to take care of nails. Common Nail changes duringchemotherapy are:

* Pigmentation of the nail plate

* Brittleness of the nail plate

* Nail plate separating from base

* Infection of nail

* Dryness at nail cuticle

Toavoid further nail damage

* Clip Nails short

* Do not cut or bite your cuticles

* Nail polish is ok but w/f reactions

* Avoid artificial nails

* Wear gloves during household work to avoid nail plate infection

Winter Health Tips for Swimmers

2010-10-28T06:53:00.002-07:00

Aswe watch the snow fall, and think about all the cold and colds tocome, there are a few things you can do to help your athlete stayhealthy and able to train.

1. Give your swimmer time to dry their hair before they leavethe locker room and pool area. Teach them to drytheir ears safely and thoroughly by letting the warm air blow overtheir ears
and around their ears, but not directly in their ears.

2. Drops to help with waterevaporation in the ear canal and near the ear drum will help preventear and sinus infections. You can purchase Swim Ear Drops or AuridriDrops at most drug stores—or you can make your own. Add 2 partsalcohol and 1 part vinegar in an eye dropper bottle—it works justas well!!!

3. Encourage them to change out of their wet suit and into dryunderwear and clothes. Wet towels wrapped around wetsuits with a coat over the top should NOT be acceptable. They shouldalso put on dry socks and shoes—not the same flip-flops they havebeen wearing around the water for practice.

4. Make sure they have hood/stocking hat, mittens or gloves, and a warmcoat to wear while coming to and going fromthe pool.

5. Feed them lots of fruit to munch on and fruit juice to drink!!!!! Put grapes and carrots in reach for snacking instead of chips andcookies.

6. Make sure they are eating well balanced meals with extra vegetables. Steamed or raw vegetables are the most valuable to the body.

7. Give them a Multi-vitamin supplement and a vitamin C supplement,just to be sure. After all, you don’t know what they are or areNOT eating when they are out of sight. Vitamin supplementsgiven according to the directions on the bottle won’t hurtthem—their bodies will absorb what they need andexcrete what they do not need.

8. Make sure they are getting enough sleep, and they are getting it ina regular sleeping pattern.

9. Make sure they are drinking lots of fresh, plain water. Water willhelp flush out any bugs or germs that are trying to take hold intheir bodies.

10. Helping your athlete stay caughtup on homework will also fight the “nasties”. Stress fromgetting behind, loosing sleep while trying to cram and stoking thebrain with junk food to get through the late night cramming willweaken the immune system and leave swimmers vulnerable.

11.Give them extra hugs all winter long!!!! Happiness, security and reassurance are great warriors in the fightagainst exhaustion, illness and the winter blahs.

Keeping them healthy will help themget your money’s worth out of swimming and save you money onantibiotics!! Please go over these tips with your swimmers. All thecoaches will be looking for dry clothes, dry hair and warm outerwear!!!

Learn How to Get out of Debt Faster without Getting Ripped off!

2010-10-26T03:58:00.000-07:00

Introduction
If you're losing sleep worrying about credit card, debt, or if you're having trouble paying your bills every month, then you're not alone. Many Americans have found that getting into debt, borrowing money – and then struggling to pay if back – is very stressful.

This guide will lay out all your options, tell you the “pluses” and “minuses”

of each option, and point your in the right direction for your financial situation. I started Debt-Tips.com to share the debt reduction and money saving tips and strategies I learned (mostly the hard way) with other consumers like you. Yes, I've lost sleep worrying about credit card debt. And fortunately, I have found a way out of debt. But choosing the right debt solution is unique for each individual or family. Since I am not a financial planner nor an attorney, this is not professional advice, just a summary of the options available to you. If you have any questions or concerns about your specific needs, you should consult with a financial professional before proceeding.

So, here are your options for paying off your credit bills and getting your life back to normal:
* Do-It-Yourself Debt Reduction
* Credit Counseling
* Debt Consolidation Loan
* Personal Loan
* Debt Settlement
* Bankruptcy

Do-It-Yourself Debt Reduction

How does it work?
So, you want to get out of debt all by yourself? Good for you! There are 2 basic ways to act as your own debt reduction service. First, contact your creditors and ask them to lower your interest rates. Second, “surf” credit card rates by regularly switching to short-term, low-interest special offers. It’s not easy, but it certainly can be done!

The good
* No cost
* Both ways can work if you stick with it
* You are in control of the process

The bad
* Time consuming (both ways)
* Opening more credit cards can lead to more debt (second way)
* Must keep doing before rates rise (second way)
* Does not always work (both ways)

So, should I do my own debt reduction?
If you have the time, and you are persistent, it is definitely worth the effort to act as your own debt reduction service. However, if you’ve had any recent issues (such as late payments) these methods may not work as well. And the temptation of having more credit to use (second way) can get you further into debt. So be careful, or close some or all of your old credit card accounts.

As a “quick fix”, this is a good option. As a long term debt reduction plan, you may want to consider one of the options below, which involve getting help from a professional.

Learn more about debt reduction
* Facts for consumers: knee deep in debt:
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre19.shtm
* Do-it-yourself debt reduction:
http://www.credit.com/products/debt/Debt-Reduction-Do-It-Yourself.jsp
More tips for getting out of debt: http://www.debt-tips.com/tips-debt.html

Credit Counseling

How does it work?
If you want professional help, working with a credit counseling agency is a good choice. You will be asked to provide information about your income, expenses and debts. The counselor will then analyze the information, discuss your situation with you and make recommendations to help you address your financial problems. These suggestions may include help with budgeting, attending a financial education course, or enrolling in a debt management plan.

The good
* All of your bills are consolidated into one payment
* Pay a lower interest rate
* No or low cost to participate
* Stop phone calls from creditors
* Learn strategies to manage your finances better

The bad
* Can possibly hurt your credit score
* Not a “quick fix” solution, but a long-term plan that must be followed to work

So, should I use credit counseling?
For most people struggling with credit card, credit counseling is a great option. You can lower your interest rates, combine multiple payments into one, and therefore pay off your debts faster. And you can also learn how to handle your finances better for the long term. Most credit counseling programs promote the fact that they are “non-profit”. But don't let this fool you – you still need to do your homework, research each company thoroughly (checking their Better Business Bureaus rating is a good idea), ask lots of questions & read the fine print, so you know exactly what you’re signing up for.

Many people are hesitant to seek professional help because it may damage their credit. However, if you can’t pay your bills, protecting your credit score (which is probably already damaged) should be secondary to getting your finances in order. If you own a home, or your financial situation is at the breaking point, you may need a more aggressive strategy like debt settlement or even bankruptcy, described below :

Learn more about credit counseling
* Fiscal fitness: choosing a credit counselor:
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre26.shtm
* BBB tips on choosing a credit counseling agency:
http://www.bbb.org/us/article/tips-on-choosing-an-credit-counseling-agency-6104
More tips for getting out of debt: http://www.debt-tips.com/tips-debt.html

Debt Consolidation Loan

How does it work?
If you’re living the American Dream and you already own a home, and you have equity available in your home (meaning your house is worth more than you owe), then a debt consolidation or home equity loan might be the right solution to your debt problems. If the interest rate on your mortgage is higher than the going rate, then refinancing (which will lower your interest rate and add your debt to your new loan) might be a good choice. A bank loan officer or mortgage broker can help you explore your options further.

The good
* Interest may be tax deductible (consult with a tax advisor)
* Lower interest rate
* No bad effect on your credit report
* Stop phone calls from creditors

The bad
* Puts home at risk if you cannot make the loan payments
* Potential closing costs
* Uses equity that you won't be able to use later for home repairs or improvements
* If the housing market dips, you might owe more than your home is worth (usually only an issue if
you try to sell your home)

So, should I use a debt consolidation loan?
If you have some “breathing room” each month, and can comfortably make your new monthly loan payment, then taking out a debt consolidation loan can be a good solution. If not, then think long and hard before putting your home at risk (if you stop paying your mortgage, you can lose your home entirely through foreclosure) when other debt reduction options are available to you. Adding to your financial problems by losing your home would be devastating. So consider all of your options carefully before combining your credit card debt with your home loan.

Learn more about debt consolidation loans
* Your 3 worst debt consolidation moves:
http://moneycentral.msn.com/content/Savinganddebt/Managedebt/P36230.asp
* Debt consolidation calculator:
http://www.bankrate.com/calculators/managing-debt/minimum-payment-calculator.aspx
More tips for getting out of debt: http://www.debt-tips.com/tips-debt.html

Personal Loan

How does it work?
Personal loans work very similar to credit cards. You don't need to own a home to get a personal loan, but because the loan is not secured with a home (a secured loan means the home is used as collateral and can be taken by the bank if the loan is not paid), it usually involves a higher than average interest rate - even if you have great credit.

The good
* A quick way to get money

The bad
* You must be able to qualify
* If you have poor credit, the interest rate could be higher than on credit cards

So, should I use a personal loan?
Personal loans are usually not a good way to consolidate debt. A personal loan can be used in case of emergency, when cash flow is low, or for small purchase that can be paid back quickly. But unless you can get a better rate than you have on your credit cards, using a personal loan should not be your first choice for consolidating debt.

Learn more about personal loans
* Pay day loan scams:
http://consumer-law.lawyers.com/consumer-fraud/Pay-Day-Loan-Scams.html
* Personal loans: the basics:
http://www.bankrate.com/brm/perstep.asp
More tips for getting out of debt: http://www.debt-tips.com/tips-debt.html

Debt settlement

How does it work?
Debt settlement is an aggressive approach to debt reduction, and is usually best suited for consumers with very serious debt problems who are considering bankruptcy. A debt settlement company will negotiate with your creditors to settle the debt for a lower amount than you owe, and is paid in a lump sum upon agreement of the settlement amount. Some settlement companies require you to come up with the lump sum on your own (through borrowing money, using savings, selling assets) others will help you save money while they are negotiating with your creditors.

Creditors will usually only settle when you are under serious financial strain, since if you choose to file bankruptcy then the creditor is at risk of receiving only a small portion of the original debt (or no money at all). If you do not have a financial hardship, the creditor may refuse to settle the debt and instead pursue collection if you cannot pay your bills.

The good
* Pay off bills faster
* Settle for less than you owe (often 40-60%)
* Preferred alternative to bankruptcy
* Fees are usually based on the amount of money saved

The bad
* Has negative affect on credit report
* There are fees for the service
* Could be sued, especially if not handled properly

So, should I use debt settlement?
If you have a serious financial hardship, and can no longer pay your bills every month, then debt settlement is often a good alternative to filing bankruptcy. But, if you do not have a serious hardship, and still have the ability to pay all of your bills each month, then most (ethical) debt settlement companies will not take you on as a client. Debt settlement is a more aggressive solution, and it does work - but it is not right for everyone. So if you decide to hire a debt settlement company to help you get out of debt, make sure you understand exactly how the process works (and does not work), ask lots of questions, read the fine print, and research each company thoroughly before signing up.

You can also “do it yourself”. While you may save a little on the fees, you may not be able to negotiate as good a settlement as a professional settlement company can do for you. Or you could even end up with more serious issues if you don’t know what you are doing. If you decide to settle your own debts, make sure you research the process thoroughly and take the proper precautions.

Learn more about debt settlement
* Questions to ask when considering debt settlement:
http://www.cccsoc.org/pages/settlement/settle_02.phtml

*Debt settlement pros and cons:
http://www.articlesbase.com/finance-articles/debt-settlement-pros-and-cons-761605.html
More tips for getting out of debt: http://www.debt-tips.com/tips-debt.html

Bankruptcy

How does it work?
Bankruptcy is typically the “last resort” for dealing with debt. It is a legal process that helps you either eliminate your debts or repay them under the protection of the bankruptcy court. Bankruptcies usually fit into one of two categories, "liquidations" or "reorganizations." Chapter 7 bankruptcy is for liquidating debt: If you own property that isn't exempt under your state's laws, it may be taken and sold ("liquidated") to pay back some of your debt. Chapter 13 bankruptcy is more common and helps you "reorganize" your debts. You get to keep all of your property, but you must make monthly payments over three to five years to repay all or some of your debt.

Both kinds of bankruptcy have lots of rules (and exceptions) about what kinds of debts are covered, who can file, and what property you can and can't keep. Anyone considering bankruptcy should consult with an experience bankruptcy attorney before proceeding.

The good
* Provides relief for the most serious debt problems

The bad
* Stays on your credit report for up to 10 years
* Impacts your future ability to use credit
* Carries a negative “stigma”

So, should I file for bankruptcy?
Since bankruptcy is usually a “last resort” tactic, it should not be taken lightly. And while bankruptcy can help you eliminate many types of debt, such as credit cards, medical bills, and personal loans, there are other types of debt that are not covered. So you should consult with a qualified bankruptcy attorney to determine if bankruptcy is right for you. To many people, bankruptcy is seen as either a sign of weakness, or an “easy way out”. But as horrible as bankruptcy sounds, the emotional and physical stress caused by debt is often much worse.

Learn more about bankruptcy
* Before you file for personal bankruptcy:
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre41.shtm
* Bankruptcy basics:
http://www.uscourts.gov/bankruptcycourts/bankruptcybasics.html
More tips for getting out of debt: http://www.debt-tips.com/tips-debt.html

Earn Money, Buy and Sell Digital Goods With Gold Currency

2010-09-20T23:40:00.000-07:00

Whatcan you do?
Almost regardless of who you are in theworld, where you live, or what you do now, the gold economy allowsthe individual and small to medium business owner to:

Own acurrency that is not organized by a government agency and can be usedonline semi-anonymously and for your benefit. This means that you canearn money online, trade with people around the world particularly indigital goods and services, but also in physical goods
and serviceswith anyone internationally. You do not have to have a credit card, acredit rating, a merchant account in which to take credit cardpayments, or even a bank account. As long as you have a computer,some software to connect to the Internet and to create simple webpages, you can begin to buy and sell digital goods and servicesonline and you can also trade (buy and sell) physical goods andservices where delivery can be made to a physical address. You do nothave to be worried that a government controls the cash you earn,because it is not owned nor operated by a government, your cash isowned by you and the money system is operated by a private company(has not government affiliations) that has both United States andInternational operations and presence.

Buy & sellinformation, software goods, and provide online digitally-basedservices with complete confidence that you have been paid or that youhave paid. Unlike using government controlled and country specificeconomic systems that are based on "credit", the goldeconomy is a "pre-paid economic system" where you the userof the payment system is in control of your own money. You do nothave to get permission to spend money, because you are not spendingon "credit" you are spending what you already own. Becauseyou are not seeking "credit" you do not have to reveal asmuch about yourself as in a credit economy - you have more anonymity.Because you use "digital cash" and because you can payimmediately with no waiting periods for a transaction to becompleted, you can buy digital goods online, and you can sell digitalgoods online. Digital goods once delivered cannot be got back orreturned. So when you pay or when you sell digital goods you needcash payment that is free from fraudulent dealings and is positivelyyours the moment you receive it or you need to be certain thatpositively you have paid the moment you have conducted the onlinetransaction. The gold economy provides you with these transaction andpayment tools to allow you to buy and sell digital goods withconfidence to anyone or with anyone anywhere in the world.

Createan online business that can trade with people the world over usingtransaction tools provided by the gold economy, that are simple toimplement and do not require a huge investment in technology for theindividual or small to medium business owner. The objective of thegold economy is to enable ordinary people where ever you live in theworld to conduct business internationally. In the past, to conductbusiness internationally, the cost of doing business has beenexpensive requiring lawyers, bankers and traders. Now, using thetools provided by the gold economy, an individual or small to mediumbusiness can trade internationally using simple to use online toolsto establish connections with their markets, create agreements andestablish transactions that are both low-cost and sure.

Howdoes it work?
Let me explain how the gold economyworks using a specific example of the online currency operatorE-Bullion. E-Bullion operates a private gold currency using an onlineserver and physical offline facilities that provide the world userwith a payment system that can be used on the Internet from anywherein the world.

Why gold? How does the gold work? The privatedigital currency does not use a government-controlled currency as thebase-money to give the digital currency value.
E-Bullion does notwant to use US Dollars, The Euro, Francs, or any other governmentcontrolled currency. Using any of these currencies may prohibit theuse of E-Bullion in a particular country, and may place controls thatdo not allow free-use of the system across the world. Rather,E-Bullion uses gold currency as the base - that is, claims on goldcirculated electronically. The gold that secures the E-Bullion systemis held in a physical vault by Brinks Global Security which holdsgold in secure vaults in the United States, Switzerland, andAustralia.

If you have a computer and can connect to theInternet you can connect to E-Bullion and do business it is open toanyone in the world, even if you live in a country where you cannotown a foreign currency. Your currency can be owned by you and kept inE-Bullion from anywhere in the world.

To earn or getE-Bullion Gold Currency there are two ways to obtain it.

First,you can buy E-Bullion Gold Currency from a local or national exchangeagent, such as GoldfingerCoin & Bullion.The local or national agent will take the national currency that youhold and sell you E-Bullion Gold Currency. Many of these local ornational agents take your national currency online and some of themprovide off-line services as well. For example, if you have NewZealand Dollars you can purchase E-Bullion from PacificGold Exchange,an agent who takes New Zealand Dollars and gives you E-Bullion GoldCurrency.

Second, you can earn gold currency by setting-upand operating a business selling digital or other goods and services.E-Bullion provides you with simple tools to create an online businessfrom your ordinary web pages. For example, E-Bullion provides youwith a payment button you can place on your web pages. Or veryshortly you will be able to connect your web pages to a shoppingcart. Through using some very simple tools you can begin selling yourown software, information, or other goods and services online. Thereis now a growing population of people who own and use gold currencywho will buy from you. As your earnings grow, you can now spend yourcurrency online with other people who also sell using goldcurrency.

To sell E-Bullion and get local or national currencyand/or use E-Bullion Gold Currency in my local country you can do itin one of several ways.

You can apply for a E-Bullion DebitCard. Using the value that is in your E-Bullion Account you can usethe E-Bullion Debit Card in any ATM the world over the uses theInterlink or Plus network. You can also use the Debit Card whereverDebit Cards are taken - where you swipe your card and use a keypad toinsert your PIN.

You can also go to an online E-Bullionexchange agent who will take your gold currency and send into yourown banking account in your country the equivalent value that you hadin E-Bullion. This is particularly useful if you are a business andneed to pay for goods and services in local currency.

Thereare also a growing number of services that will allow you to order acheck to be paid to anyone. You fund the check using E-Bullion andthe service pays the check in the local currency that you nominate.At the present time the business providing this service send checksin USD only. However, this will become available in a range ofcurrencies in the near future.

To send money to anyone inthe world.

You buy E-Bullion Gold Currency from yourlocal agent and have it credited to your account -- your agent (oralso called on this site, "Market Maker", can show you howthis is done.) Send an e-mail to the person you are forwarding themoney to and they can open a E-Bullion Account. Pay the money intothe other person's account and that person can either use goldcurrency you have given him/her as currency, or they can go to theirlocal exchange agent and get national currency.

The Complete Debt Tips

2010-09-14T21:41:00.000-07:00

Youhave to be some kind of sadistic to say that you like debt. Thefact of the matter is, everybody at some point in time will havesome. It is almost completely unavoidable with the price of housing,transportation, and let’s face it, GREED!!! We are a “gotta haveit now” people and sometimes it doesn’t workout the way we hadoriginally hoped. Maybe everything that has happened to you hasnothing to do with spending habits and has everything to do withfactors out of your control, i.e. medical emergencies etc. Whetheror not you have a lot or a little or you can or can’t pay
thebills. Everyone has need of a plan in one way or another.

Soyou find yourself on this website wondering if there is going to beanything here for you. After all you are the only person in theworld going through what you are going through, right? The fact ofthe matter is that there is always a solution. It may not be whatyou thought or had hoped it would be and in some cases it might beexactly what you thought. The purpose for this is to give you theinformation and materials to not only analyze your specific situationbut to understand where you fit and the options available to youbased on your needs and situation.

Soyou are loaded, you fill up your credit cards every month and justpay them off, fantastic. If that is you then if you don’t alreadyhave some rewards cards that you are using then get some. Let thecard company send you on vacation at some point. For those of you inthis situation, maybe you can learn some budgeting strategies or tipson how to save thousands of interest on your mortgage. The point ofthis is to help regardless of your situation.

Youhave to be some kind of sadistic to say that you like debt. Thefact of the matter is, payments or even pay way over the minimums. Or maybe you are the person who is lucky to make the minimum eachmonth or your budget is so tight that if you have to buy poster paperfor you child’s school project you are going to go withoutsomething to cover the difference. Or say something has come upwhether it be job loss or hours cut, anything, and you have to putall of your bills on your cards each month and you scrape by just tocover the ever increasing minimums.

Thenlet’s do something about it.

Theoptions available to you are completely dependent on your situation. Don’t think you are beyond help or above help. Here you don’teven have to ask for it. It is here if you want it.

Let’sexplain some basic truths:

*The “Banks” are on the “Banks” side, period. No man canserve two masters.

*The people that call to collect debt are not your friend. Their jobis to get money out of you, that’s it. They will use every toolthey have in their box to do that. Be nice, be mean, threaten you,whatever they can to get something out of you. This universal truthis as real as gravity.

*You can’t borrow your way out of debt.

*You can’t beat compound interest. (that doesn’t mean you can useit to your benefit)

Sowhat are the options?

*Mortgage Checking Account. This is a program that allows youto use the banks tactics against them to accelerate the pay off ofyour debt, specifically your mortgage much faster than normal. Spoken plainly, your mortgage interest is calculated off of youraverage daily balance in the account and not a fixed monthly interestrate. You can use your whole pay check to pay down your mortgage andthen live out of the account increasing your balance throughout themonth. Sounds complicated however it does work and can save you upto half the time and interest you would normally pay on yourmortgage. A great program but is limited to those who have goodcredit and equity in their home.

*Debt roll up/Debt snowball. This is a program which analyzesyour debt and put the debt a pay off order. This program iscalculated using factors like interest rate, balance, minimumpayment. If used properly will save years and thousands of dollarsin interest. The great part about this kind of program is that itisn’t credit dependent, it works, and you don’t need a thirdparty to set anything up for you. The downside is that it takes hugediscipline and you have to be able to make more than the minimumpayments on your debt.

*Debt Consolidation. This term is often misused and tied toprograms like Debt Settlement or Credit Counseling. Those programsare very different and you need to understand that. DebtConsolidation is grouping all of your debt under one “loan” andone “payment”. People can do this by getting a signature loanfrom their bank, a refi on their home basically or a loan to pay offdebt. Most people do this to try to lower payments or interest. Where you can lower payments by lowering interest rate it isn’t assignificant as you might think so the way most people lower thepayments is to extend the term. It is mathematically impossible toshorten term and lower payment. Example: 10k worth of cc debt willcost generally between $200 and $250 dollars a month in minimumpayments. What some people don’t understand is that for the mostpart credit card payments aren’t calculated on interest but onpercentage of balance. The difference in term between 9% and 15%interest rate on a credit card could be as much as 10 years howeveryour minimum payments are the same. Say your where to get asignature loan at 12% from your bank for that same 10 worth of creditcard debt. (Keep in mind every bank is different and this in no wayencompasses every bank, credit union or loan program). Most bankswill put you on a term of 36 months for that amount of debt whichwill put your payment around $350 per month so at best your only $100more than you where paying. On the flip side say you pulled someequity out of your house and got at second mortgage at 6% with a termof 20 years would put your payment at around $71.64. Great, Right? Sounds good until you look at what you are paying back at the lesser6% interest rate. You will pay over the course of 20 years$17,194.35. That’s $7,194.35 in just interest. You can’t borrowyour way out of debt!!!

*Consumer Credit Counseling/Debt Management Plan. This is theprogram where you have a company negotiate down your interest ratesand they put you on a payment that you can “handle”. There aremany companies that do this, some are non profit but almost all ofthem will be compensated by credit card companies, you, or both. This is a program that is often thought of as a way to save yourcredit because “ideally” the credit card companies will begetting a payment that is on time so they have no reason to post latepayment history on your credit report which should keep your FICOscore up. What they don’t tell you is that this is reported on thecredit report as “Third Party Management” of your finances andwill show up as DMP or CCCS. The problem with that is when you gofor loans in the future many lenders look at that like a Chap 13Bankruptcy. Can make it difficult to find financing. It is alsovery expensive because not only are you paying your debt back withinterest, you are paying a company fees along with that.

*Debt Settlement/Debt Negotiation. This is the process ofnegotiating the debt balance with the creditor, not interest or term,the debt balance. The purpose of this is to get the creditor toaccept less than what they are asking for, ideally, less than 50%. Taking interest out of the equation if you only had to pay back halfof the debt, how much quicker could you be out of debt. This programis an ethical way to avoid Bankruptcy, to get the creditor somethingrather than nothing. This kind of program you should only do if youhave no other option. You borrowed the money, pay it back if youcan. This isn’t about kicking the creditors in the teeth, it’sabout trying to find a win/win in an otherwise extremely difficultsituation. As with anything, there are thousands of debt settlementcompanies and unfortunately most are horrible, and are there to dolittle more than take advantage of a situation where people trulyneed help. There are good companies out there but they are becomingharder and harder to find.

*Bankruptcy. There are two main types of Bankruptcy, Chap 7and Chap 13. Chap 7 is a complete dismissal of your debt and a cleanslate so to speak. Chap 13 is a reorganization of your debt and isbasically a Debt Management Plan orchestrated by the court system. Since 2005 and BAPCA it has become increasingly difficult to fileChap 7 and most people are forced to file Chap 13. This may be thebest option for some of you.

Sowhat do I do?

Hereare some questions to ask and don’t lie.

*Do I have a handle on my money?

*Can I cover all of my bills?

*If I cut of all of my credit cards, can I live?

*Do I have a realistic budget?

*Do I live by the budget?

*What do I do with extra money I have? Do I save it or spend it?

*Where do I want to be financially? 30 years from now? 20, 10, 5, 1?

*If I lost my job today, how long can I go without income?

*Do I have a plan?

*Is the lack of a plan worth the stress?

*How would I feel in 5 years if I had no debt?

*What would it mean to you if you didn’t have to worry about whereyou where going to get the money to feed yourself?

*Do I have a retirement plan that isn’t a 401k?

*What do I want out of this life financially?

*If I keep doing what I am doing am I ever going to get to where Iwant to be?

*How does that answer make you feel?

Believeme if you don’t get on top of all of this, nobody will do it foryou!

Sowhat is the first step?

1^stDecide where you want to be and write down some goals. Itall starts with a goal of where you what to be. You have to knowwhere you are going. Your goals are more than where you want to bewhen you are 60+. Where do you want to be next month?

2^ndAnalyze your finances. Download and fill out the budget planner. Be honest and accurate with this because it will set the pace forthe rest of your life. What is in the past is past, do not dwell onwhat your results have been up to this point because you are notgoing to be doing it the same way. New plan and actions = NewResults. If you fail to plan you plan to fail. Nobody runs abusiness successfully without a plan. No boxer goes into the ringwith out a game plan. No Coach goes on to the field of play withoutknowing what they will do. Period… You can not predict yoursuccess without a plan.

3^rdUnderstand where you are currently, pride and delusions ofgrandeur will not change the reality of the situation. Understandyour situation, accept it and do what is required to get to where youwant to be.

4^thCommit to your plight. If you decide to take control of yourlife then do it full steam ahead, no looking back, tuck your chin andjust start swinging. A man I respect highly, a very successfulentrepreneur once told me that if you start out with a plan and doeverything you believe it will take to be successful then you have noreason to not expect that you will be successful. Be accountable toyourself.

5^thBuild your plan. Start with where you want to be and build theplan backwards from there. Know what you need to do every step ofthe way so that there are no surprises. You also need to be able toadapt. The only things guaranteed in life are death and taxes. Beflexible and if you need to modify your plan don’t throw you handsup and quit. ADAPT and move on.

6^thExecute your plan. Be unstoppable, positive and immovable. Thisis your life and it will be exactly what you make it. Make itgreat!!!

Tips for writing a good abstract

2010-09-10T04:20:00.002-07:00

Thereare rules that help to build a good abstract and that increase thepossibility of acceptance by the SPP.

Thepurpose of the Annual Congress of the SPP is to provide an exchangeof knowledgeand experience within the paediatric community nationwide.
Writean abstract for the Annual Congress is an important way of share yourresearch or clinical experience with its peers and
colleagues.

SPPreceives dozens of abstracts that will be evaluated by threereviewers independent and ranked of4-20 according to the relevance of the study, rigor in applyingmethodology, contribution to health gains and originality.Abstracts with rated higher than 10 are accepted.

Mostof the time, the work presented in a rejected abstract is welldesigned and made, but the way as it’s exposed not allow hisacceptance. This leads to a good scientific work that can not beshared with colleagues the way it deserves.

Inan attempt to prevent this occurrence, the subsequent informationgive practical advice on how to write an abstract that has the bestchance of being ranked well by reviewers and selected for nextcongress.

Whywrite an abstract?

Anabstract is a short version of the first draft of an article. It’simportant for several reasons:

•Provides the first opportunity to advertise and quote the preliminaryresults of its study
•Allow you to communicate your findings to your colleagues and haveanswers and critics
•It is the first step towards the ultimate goal of job research: writeand publish an article with conceptualized reviewers.

Theoptimal structure of a resume should include:

Title

Thetitle should contain an accurate summary of the content. Must expose
asmuch as possible, the content and objectives of the study. Ideally,the title
shouldhave 10 - 12 words and should include the scope of research, studydesign and objectives.

Ispreferable that the title describes what has been investigated thanis a statement of findings or conclusions. The title should be simpleto allow easy understanding and so, should avoid jargon, acronyms orunfamiliar abbreviations.

Authors

Thelist of authors should be restricted to those who worked on thestudy, who conceived, designed, obtained the data, analyzed thenumbers and wrote the abstract. The author submitting the abstractmust appear on first place. All authors must read and approve thesummary before its submission.

StructureSummary

Agood summary should address the five relevant issues listed below:

1."Whydid it start?" - Introduction or historical

Mustsynthesize, preferably in one sentence, the current knowledge orthe
stateof the art, specifically related to the work presented.

2."Whatdid you tried to do?" - Purposes and objectives

Hereyou must define the purpose of the study and ideally include a shortstatement of the hypothesis to be tested. A legitimate study does nottake place "to prove that any find is true”, but "todiscover whether a certain fact is true”. The difference seemssmall but is in fact abysmal. Exposing a formal hypothesisdemonstrates objectivity.

3."Whatdid?" - Methods

Insummary, the description of the methods should be concise and mostdetails should be omitted. However, in a short sentence should giveto the reader a clear idea of the study design, the context in whichit is made and the type of patients or measurements that wereincluded.

4."Whatwere your findings?" - Results

Itis important to mention the main results of the study, not justsubjective point of view ("we found that the equipment X wassuperior to the equipment Y ") but in the form of real data.Should make choices for data that will choose to present in theabstract and findings of which will base its conclusions. Do notinclude a table or figure unless strictly necessary to display yourresults.

5."Whatis the significance of this study?" - Opinion

Spaceconstraints usually limit it to a single sentence, explaining why youthink your results are important and potential implications. Keepyour findings within reason, supported by the results of your study.Remember that your study was restricted to certain patients or to aparticular therapy or a specific device and the results can not beextrapolated beyond these determinants.

Somebasic rules for writing abstracts

Followthe instructions

Asgood as your study is, he deserves to be reviewed and presented. Thismeans that you must follow the rules for submission to the SPPCongress.

Usesimple sentences

Exceptthe basic and universally accepted (e.g.: ARDS, FEV1) the acronymsand abbreviations should be exposed in full version the first timethat are used in the abstract. As well, local expressions and slangshould be avoided. Remember that health care vary from place toplace.

Askcolleagues

Beforesubmitting the abstract it should be rechecked, not only for theaccuracy of the data presented but also the methods and otherdetails.
Tablesand figures should be checked particularly well. The reading by oneor more colleagues who have not been involved in the study that cancriticize constructively can be extraordinarily useful.

Cite: Translatedand adapted the suggestions of the European Respiratory Society, 2008

Tips-Marketing Your Business Website Successfully

2010-09-06T09:48:00.000-07:00

Marketingyour website

Nowadays,having a website has become an essential part of every company’smarketing strategy, as more and more people use the internet on adaily basis to research and possibly buy products online. Once youhave created your business website, you need to market it so peopleknow about it. In marketing your website there are a few steps youneed to follow, which I am going to outline in this article
.

Enter your websites into directoriesand search engines

Onceyour site is ready, the first step to make it become visible issubmitting it to directories and search engines. A directory (i.e.Yahoo directory) divides the websites into categories andsubcategories. The person looking for a website in this way islooking for a specific service and will browse the directory, almostin the same way as browsing the yellow pages. Directories are oftenedited by humans, who will take a look at your site and decide if itis good enough and relevant to a certain category.

Theother main research tools are search engines (i.e. Yahoo or Google).Users browse them when they are looking for very specific informationand the links they find can lead to any page on your site. In thecase of search engines, there are no humans who check your site forrelevance; the whole process is made by specific software, whichcrawl web sites searching for relevant text. Most SEOtechniquesare aimed at enhancing a site’s relevance assessed in this way.

Optimise your website for searchengine purposes

Submittingyour website to search engine is not enough. You also need to makesure that it is visible in the first page of results. For this tohappen, you need to optimise your site.

Thereare many ways to optimise a site and this is a field that iscontinuously changing because the technologies involved changerapidly. The help of a good SEO specialist (who keeps him/her selfalways up to date with new developments) will be invaluable inhelping your site achieve high visibility. Some SEO tips include:creating a rich and informative text with a lot of keywords, linksexchange, frequently update the content of your site.

Other web marketing tools

Anotherway to market your website and position it high in the search enginesresults, is Pay Per Click. Both Yahoo and Google provide this tool,which consists in bidding a certain amount of money for each keyword.If you bid for a certain keyword, your site will come up on the sideof the page, once the user types the keyword in. If the viewerdecides to click on your advertised link, the search engine willcharge you money. PPC also provides you with countless statistics onevery aspect of the visits your website receives (i.e. whatpercentage of visitors left your site after visiting a certain page;the most popular keywords and much more), thus PPC can be a veryuseful tool to develop a marketing strategy for your site.

Other web site marketing tips:

Wehave seen how important it is to have a good content, rich ofrelevant text and information, for search engines to consider listingyour site. Now, the content is also very important to keep thevisitors browsing your site and end up buying your products orservices.

*The site’s content must be interesting and relevant.

*Avoid ‘under construction’ pages or inactive links; keep yourwebsite tidy, or the site and your company will look unprofessional.

*Make sure that your contact details are always visible and clear onevery page.

*Word of mouth is important in getting your site known. In cyberspace,blogs, forums, chat groups and RSS are equivalents of socialgatherings where people exchange ideas. Use these tools to youradvantage to promote your site.

*Ads on ‘traditional media’ such as papers, magazines, TV, radioetc can also help make not only your products, but also your websiteknown.