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Posted in Advertising, Business, Health, Health-and-Fitness | No Comments »
Wednesday, May 31st, 2006
Bipolar Disorder, also known as Manic Depressive Illness, causes dramatic changes in a person’s mood, energy, and ability to function. Most people experience moderate mood swings, this is normal, although more drastic changes in mood could be a symptom of Bipolar Disorder. 1-2% of the population suffers from bipolar disorder, about 4 million people.
Anxiety
Anxiety may be a symptom of Bipolar Disorder, or it could be a separate condition. Anxiety as a Bipolar symptom is usually more described as “agitation”. The patient experiences a need to keep moving, standing up pacing around, racing thoughts, and a lack of focus. Patients race from thought to thought without really finishing anything. When these symptoms are present with irritability it can be a horrible experience people feel desperate to get out of.
Depression
Depression can be a symptom or an effect of Bipolar disorder. Clearly as shown above the mix of emotions can lead to a feeling of hopelessness. This is the “low” associated with Bipolar disorder. Abnormal lows lead to decreased output at work, poorer over functioning, lower quality of life, and even suicide. If you feel your depression is more than you can handle see your doctor, he/she can help.
Note: Suicide is an option. If you have these thoughts talk to somebody immediately. A friend or family member if possible, or call the suicide hotline at 1-800-784-2433.
Manic
Manic behavior is described as the “high” of Bipolar disorder. Activities with a negative consequence are normal during this period. Excessive shopping, sexual indiscretions, even talking too much can be associated with a Manic episode. During a Manic episode you may focus on setting goals, have inflated self esteem, or grandiosity. The differences between a depression cycle and a manic cycle are at the heart of the problem, one second you are building a better future and the next second you find it hard to figure out what direction to go.
Bipolar I
Bipolar I Disorder is the sixth leading cause of disability in the developed world (for ages 15-44). The first episode may occur at any age from childhood to old age. The average age at onset is 21. Bipolar I Disorder is characterized by recurrent episodes of mania and (more often) depression. Untreated patients with Bipolar I Disorder typically have 8 to 10 episodes of mania and depression in their lifetime.
Manic episodes are characterized by elated mood, over-talkative or racing speed, and hyperactivity or agitation. The average depressive episode lasts 6 months, and the average manic episode lasts 4 months. Initially, the individual is usually diagnosed as having Major Depressive Disorder. However, once the individual has a manic episode, the diagnosis is changed to Bipolar I Disorder.
Bipolar II
Bipolar (II) presumes at least one major depressive episode, plus at least one hypomanic episode over at least four days. The same characteristics as mania are present, with the disturbance of mood observable by others, but the episode is not enough to disrupt normal functioning or necessitate hospitalization, and there are no psychotic features.
Those in a state of hypomania are typically the life of the party, the salesperson of the month, and more often than not the best-selling author or Fortune 500 mover and shaker, which is why so many refuse to seek treatment. But the same condition can also turn on its victim, resulting in bad decision-making, social embarrassments, wrecked relationships, and projects left unfinished.
Bipolar disorder affects more than four million people today, and often time it is misdiagnosed. Talk to your doctor about Bipolar Disorder if you believe you may be experiencing a bipolar symptom.
Ask questions and read comments from others in our community to see if you are experiencing a Bipolar Symptom
Posted in Horse-Racing, Insurance, Mortgage-Refinance, Real-Estate | No Comments »
Wednesday, May 31st, 2006
This is a very common form of financing offered by most business banks and is basically like having business capital on tap that a business can access at any time. However, this will only be up to a certain amount that has been agreed between the business and the lender (bank). With such financing there will often be no collateral required in order for the business to gain approval. But collateral will be required if the credit score criteria of either the individual applicant and/or the business can not be met.
Business line of credit is a true asset of a person’s business and helps to meet any short term working capital needs that they may require. They can use it for things such as covering cash flow shortages or if they need to purchase increased seasonal inventory or they have some unforeseen operating expenses.
The amount of financing that a business is able to receive with this will depend upon the business past revenues and its projected annual cash flow. A business will need to show positive cash flow as well as the ability to demonstrate debt coverage in order to be approved for such financing. What this means in layman terms is that a business should in most cases be profitable and be able to show that it can repay any debt on a regular monthly payment basis.
One way of testing to see if a business will qualify for a business line of credit is to examine their bank account and determine if there has been both sufficient cash in and out. Also a business should look at its daily average balances in order to see if it can adequately repay any loan that it takes out.
A business line of credit is typically like a credit card as there are no fixed payment terms and it will be based on adjustable market based interest rates. One of the best features of this type of financing is that a business is only required to pay the monthly interest on it, which keeps the payments small while the business is growing. However, many businesses may decide to pay the full monthly payment which includes both the principle and interest on the loan. A business can also pay the full balance of the business line of credit at any time without receiving any penalty from the lender prior to the loans maturity.
Stephen Chua is the founder of FindCreditCardsInfo.com. If you require short term financing to grow your business, visit http://FindCreditCardsInfo.com today and apply for a small business line of credit.
Posted in E-Books, Health-and-Fitness, Home-Improvement, Interior-Design-and-Decorating | No Comments »
Wednesday, May 31st, 2006
There may be more to buying a new home than you think. So much work goes into purchasing and refinancing a home on all ends, even yours. This article explains the process so you know what to expect.
Closing on the purchase of a new home is a two step procedure. You have the real estate details and you have the financing details.
When you apply for a loan, there is an entire step by step process to get it closed for you. It usually takes a lender 30-45 days to close a loan, so make sure your real estate contract gives you ample time to get it done.
Also take into consideration that it may take a broker some extra time to find the best product for a poor credit borrower.
This being said, there are things you can do to speed the process and get into your new home faster.
The number one way to get into your home on time, is to start the loan process before looking for a home. This way, you know what price range you’re looking for and most of the paperwork is complete before you start. Getting preapproved is step number 1.
There’s A LOT going on behind the scenes at the mortgage office, and they’re working HARD to close your loan and get you in the home. If you could be a fly on the wall this is what you would see:
1) Phone interview to discuss your mortgage needs.
The mortgage broker is assessing your situation in order to see what types of loans he has so he can find you the best one. Its IMPORTANT to tell the truth, and tell your broker ALL of your information. Even if it’s negative, there are often ways to get around it. He/she needs to know everything upfront to give you the best service possible.
2) You provide a full Application and approve a credit inquiry.
When a full application is taken, a loan expert examines all of your information, job history, income, debt, and credit, to see how much you qualify for and what loan program is best for you.
Now the Real Work Begins:
3) Program and Rate Quote
The broker now searches through hundreds of loan types for the right program for you, and according to your details finds your rate.
4) Documentation.
Here’s where you can REALLY help the process. Your broker needs to collect A LOT of documentation from you. It can kind of be overwhelming. They’ll be looking for income documentation, tax returns, bank statements, W2 information, and possibly more. Ask for a checklist and fax your information as soon as possible to the broker can review all of this information. Make sure to send ALL pages even if the information isnt relevant. You will also asked to be signed mortgage disclosures (paperwork provided by the broker). Sign and return as fast as you can.
5) Appraisal, title work, real estate contract, and insurance (among other things) are ordered. You can also help by checking up on these services to give them a little nudge.
Now Your Halfway Done!!!!
6) Complete package sent to the underwriting division.
The underwriter looks at every aspect of the package to see if all the details make sense. The underwriter usually asks for other pieces of information to complete the puzzle. When extra items are asked of you, it’s important to get it back to your broker the same day.
7) When underwriting is complete and the loan is clear to close, all the documenation is sent to your title company where you will go to sign and close on your home. Funds are then wired to title company, and you can move into your new HOME!
There are some VERY important things you have to remember to do, and NOT do while this process is going on. Your actions alone may kill a real estate deal.
1) ALWAYS pay your bills ON TIME. One thirty day late can ruin your credit enough to no longer qualify for a loan. Use your credit as you normally would, but…
2) NEVER open new lines of credit or close old ones. DON’T Touch Your credit, unless advised by your loan expert. THIS MEANS, do not make large purchases or cosign on others purchases during the home buying (or refinancing) process.
I hope this information helps you when buying or refinancing your home.
Trisha Dingillo is a licensed mortgage broker. If you would like to see what kind loan you can get, even with bad credit, fill out a 1 minute loan application at http://www.AmericanLoan4Life.com Our loan experts will contact you and let you know all the details.
Posted in Food-and-Drink, Outdoors, Real-Estate, Recipes | No Comments »
Wednesday, May 31st, 2006
Prostate cancer is a disease that affects only men. It is a cancer of the prostrate gland, which is found in the male reproductive tract, and is not present in the female body. All men who are in their fifties or older may be at risk for developing prostate cancer. It is one of the leading causes of death by cancer among men; in the United States, prostate cancer is second only to skin cancer in the number of male fatalities caused every year, according to the National Cancer Institute.
However, prostate cancer often goes undiagnosed in its early stages, mainly because it often does not present any symptoms in those who have it. A lot of men who have prostate cancer never get the therapeutic care that they require, and eventually they die from it. If you are concerned that you may contract prostate cancer in the future, you might want to seek out preventative treatments that can lower your risk of getting it. Let us take a look at one of these possible preventative treatments: prostate milking.
Milking the prostate is a technique of stimulating the prostate gland by hand or implement, causing it to ejaculate seminal fluid. In the hand method, someone must insert their fingers in your rectal area in order to milk the prostate. (It is difficult to milk the prostate by yourself, so it is usually done by a partner or a medical professional.) Milking the prostate is also termed by some people as “prostate massage.”
Here is how it is done: One person must pull on a latex glove, add a little water-based lube on the fingertips, and carefully insert them into your anus. The fingers must feel inwards and upwards, roughly in the direction of your navel, until they are touching the prostate gland, which feels like a small, round bulb of tissue roughly the size of a walnut. At that point, the prostate gland can be massaged gently by rubbing one’s fingers back and forth against its sides, being careful not to rub vigorously on its central area where there are sensitive nerves. After a while, the massage should bring about an ejaculation of seminal fluid, often accompanied by sexual stimulation or orgasm. Ejaculation will not always occur, however.
Milking the prostate is not recommended as a method for cases in which the prostate gland is already diseased or has acute prostatitis, since a massage could cause the disease or infection to spread to other areas of the body.
Learn about The Therapeutic Benefits of Prostate Massage and find related tips and information at http://prostatehealthcare.info
Posted in Article-Marketing, Landscaping-Outdoor-Decorating, Speech-Pathology, Writing-and-Speaking | No Comments »
Wednesday, May 31st, 2006
Ever watched a celebrity walk down the red carpet with dazzling jewelry? Well, you can buy it in both a price and inexpensive form.
Whenever celebrities are going to make an appearance at an important event, they will often be approached by jewelry, as well as clothing, designers and manufacturers to wear a particular piece in order to help promote it. Then, when that piece finally does go on sale, many people will want to buy that piece because they saw it in magazines or on television.
Whenever people see their favorite celebrity walking down the red carpet wearing a particular piece of jewelry or clothing, that particular piece automatically goes up in value. It’s well coveted as many people buy celebrity jewelry in order to look and act just like that celebrity, almost as if wearing it makes them feel like a celebrity, too.
The problem is that not many people can afford such pieces because the cost does go up so much. For this reason, there are many companies who will sell artificial or fake jewelry and accessories that are designed and manufactured to look just like that particular piece.
If you buy artificial or fake version of jewelry worn by a celebrity, nobody will be able to tell. The secret is yours to keep as you wear the jewelry to look and act like your favorite celebrity while saving a load of money in the process. Artificial jewelry will undoubtedly cost a mere fraction of what the real pieces cost, which is very good for you, the consumer.
You can find celebrity jewelry, of course, by going straight to the manufacturer promoting it. If that seems to be a little beyond your price range, you can always try the manufacturers of artificial or fake jewelry and accessories, which can be found online by using your favorite search engine.
So, the next time you see your favorite celebrity walking down the red carpet, pay special attention to the jewelry and clothing they are wearing. It’s no mistake that they are wearing what they are wearing. It is a promotion for the pieces and you can own it all. It just depends on how much you’re willing to spend. Whether it’s real or fake you’re after, you can find it all, you just have to know where to look and, chances are, if your favorite celebrity is wearing it, you won’t have to look very far because it will be much in demand.
Arsene Bergkamp is with JewelryStoresforYou.com - get free jewelry articles.
Posted in Book-Reviews, Loans, Positive-Attitude, Shopping-and-Product-Reviews | No Comments »
Wednesday, May 31st, 2006
How long have you been selling real estate? Long enough to know that sales that appear simple are sometimes the most time-consuming, more difficult transactions to close?
Sometimes the sellers know there’s a problem, and you begin helping them solve it from the time you take the listing. (If you’re especially good at it, you should advertise the fact, by the way.) Other times, you find problems that the sellers didn’t know existed.
I ran into my first such problem way back in the dark ages when I first began selling real estate. I had listed a small, remote parcel - way back in the forest at the end of a narrow, rutted, dusty road. It took half a day just to go there to show it. So, I was overjoyed when a buyer came along. It meant no more trips up there!
I wasn’t overjoyed for long.
The sellers had purchased the property on a land contract from a corporation that had logged hundreds of acres and then split it up. They bought it on time, and when they made the last payment, they received the deed in the mail. And they put it in a file, or a drawer, or possibly between the pages of a book somewhere. No matter - they didn’t have it any more. And they hadn’t taken it to the Courthouse to be recorded.
At first I thought this wouldn’t be a problem. I’d simply call the Corporate Headquarters, they’d look it up and issue a new deed and we’d be done. But, that thought didn’t last long. The corporation was dissolved.
After many conferences with a most helpful title officer, I was able to learn the names of the former officers of the corporation. And through research, I was able to locate two of them. Thankfully, two signatures were all the title company required.
Our attorney prepared a quit claim deed, I mailed it to the first gentleman, and we waited. I called him a week or so later and he assured me that when he had time he’d go get it signed and notarized and would then forward it on to the other man. All told, it took about 6 weeks to get that document back and recorded so we could close.
Remember this was a small, remote, and cheap parcel. By the time I deducted gasoline I think I might have made minimum wage on that transaction. If not, I came close.
The last time was tougher than the first. This time it was a major bank who was involved - a major bank who had sold out to a different major bank.
Usually you can count on a mortgage lender to do their paperwork, but perhaps because of the sale, this one didn’t. My clients had refinanced a loan about 3 years earlier and the lien from the original loan had never been removed.
It took even longer to close that time, because finding the person who could sign off and proving to them that the loan had been paid was a major undertaking. I must have enlisted the aid of at least ten different people along the way. Thank goodness there are some people who will go out of their way to help.
Read your title report right away. If you’re lucky, any problems you find can be solved in time for your scheduled closing.
Marte Cliff is a Freelance Copywriter and former real estate broker who specializes in writing for real estate and related industries.
Her e-book, Getting Clients, is a resource for beginning real estate agents as well as seasoned agents who want to know how to make more money in less time. Read all about it at http://www.marte-cliff.com/career.html
Marte offers a weekly ezine for real estate professionals and others with an interest in marketing themselves or their property. Subscribe by sending a blank e-mail to realestatehelp@getresponse.com and you’ll immediately receive a copy of her real estate ad writing report.
Contact her at: writer@marte-cliff.com
Posted in Currency-Trading, Finance, Outdoors | No Comments »
Wednesday, May 31st, 2006
When you are looking for that perfect piece of jewelry, you most likely go to the nearest jewelry store. However, you can get exquisite jewelry for any occasion by going through China.
For instance, the professional china jewelry producers at Wingkin Jewelry Company have been around since 1995. They proudly export great pieces of jewelry, ranging anywhere from pendants and necklaces to bracelets and bangles, to North America as well as several other parts of the world. The professionals at Wingkin are able to design and manufacture all sorts of pieces exactly to the client’s specifications and they can be reached at (86 579) 5173226.
There are other choices, as well. The suppliers at Tin Fu International (HK) Limited have been in business for over twenty years. They mainly specialize in garment accessories, such as beads, both plastic and metal, pearls, artificial flowers, belts and festive products. Tin Fu International (852 ) 23928062 is located in Hong Kong and they are waiting to supply you with all your jewelry and garment accessory needs.
See Good Enterprise Company is another company in China that has been around for a long time, proudly exporting jewelry and other fashion accessories to North America and beyond. They can be reached at (886 3) 3777917, and are waiting to supply you with all your fashion jewelry needs, such as their great line of fashion bracelets for any occasion!
Another great producer is the Zursana Jewelry Company (86 769) 85150179, which has proudly been in business since 1996. The company employs a staff of nearly a thousand individuals who do their best to ensure that you are completely satisfied with all your jewelry purchases that you make through them. They are a professional jewelry manufacturer and exporter of everything from earrings, brooches, bracelets, pendants, necklaces, rings and much, much more.
If you’ve never considered buying from China, pick up the phone and call one of the companies listed above. Their professional staff will help you every step of the way to ensure your complete satisfaction. You can purchase one of the items from their storeroom, which you can view by catalogue or online, or they can design and manufacture it completely to your specifications.
Arsene Bergkamp is with JewelryStoresforYou.com - a directory of jewelry stores.
Posted in Finance, Loans, Positive-Attitude | No Comments »
Wednesday, May 31st, 2006
Most businesses that sell a product or service will provide some level of training to their salespeople, ‘on the job’. While any sales training will be beneficial to you as a salesperson, if you rely totally on this ‘on the job’ training you may be putting your future earning potential in danger and here’s why.
Before I explain the dangers, I do want to state this fact. I’m not about to take aim at employers or managers here. They are looking after their interests the best they can. As a professional salesperson, you will be well served to do the same.
‘On the job’ training will give you ‘product knowledge’ and some of the ’selling skills’ possessed by the owner or manager. Here’s the problem. No one can give you something that they don’t have themselves.
That makes sense, I hope. In terms of ’selling skills’, no one individual has all the available knowledge. In fact, the best sales trainers are constantly seeking out more information and different points of view so they can pass those perspectives along to their students.
When sales managers train, they train based on the immediate needs of the business, however, salespeople who rely solely on that training limit their growth potential in the selling profession, even within the organization.
Salespeople who have the foresight to add to their skills and knowledge through outside sales training can add tools and empower themselves to perform at extraordinary levels. This performance will no doubt attract management recognition and can quickly lead to career advancement.
Progressive companies will often provide financial assistance to salespeople wishing further professional development. You might want to check that out with your employer. If they don’t offer it, it doesn’t really matter, after all your career advancement is your personal responsibility, isn’t it? It doesn’t make sense to me to allow someone else to limit your career potential.
We offer complete, powerful and very affordable computer based Mastery sales training for company and educator use. Available at http://www.sellingatmastery.com/
Individual salespeople wishing to Master their selling skills and those wishing to learn how to sell at mastery are invited to please visit http://www.salestraininghere.com/
Both sites offer free valuable training bonus resources just as a thank you for stopping by.
There is a very lucrative affiliate offer that you will want to check out because getting paid is good!
We proudly offer a no nonsense risk free guarantee.
If you are serious about improving your sales results, earning more money and boosting your customer satisfaction record, you can’t afford to pass this opportunity up. Please visit us now! Get paid more, more often!
Posted in Book-Reviews, Health-and-Fitness, Shopping-and-Product-Reviews, Writing-Articles | No Comments »
Wednesday, May 31st, 2006
Successful salespeople all have something in common. They sell by using some type of ’selling system‘. That means they have a plan and they apply that plan to every selling opportunity. This gives them consistency in their overall performance when compared to salespeople who attempt to fly by the seat of their pants. There is only one problem with relying only on the system.
While salespeople using selling systems consistently outperform salespeople that do not, they often are limiting their closing rate potential. Here’s why. The best selling systems will work with only 80% of the prospects 80% of the time when the basic elements of the sale are in place. That’s a great result. However, it still leaves a great deal of potential lost business, even when the required elements are present.
Master salespeople are not content to allow those precious sales opportunities to just slip away when the system fails them. The answer to picking up much of that extra business is ‘versatility’ or as I like to call it, ‘learning to dance’.
This means acquiring tools, techniques and strategies that can be effectively applied to a selling situation once it becomes apparent that the system has broken down. I am an absolute proponent of systems selling, that is, having a definite game plan. When I suggest that master sales people occasionally set aside their selling system to ‘dance’, I do so with this word of caution. Do not, move away from the system until it is absolutely apparent that the system has broke down and you are on the verge of losing your prospect.
By having a success with a good ‘dance’ move that is outside the system, some salespeople may be tempted to lead with that particular move with their subsequent customer without applying their selling system first. Don’t be tempted. You will probably lose the prospect.
We offer complete, powerful and very affordable computer based Mastery sales training for company and educator use. Available at http://www.sellingatmastery.com/
Individual salespeople wishing to Master their selling skills and those wishing to learn how to sell at mastery are invited to please visit http://www.salestraininghere.com/
Both sites offer free valuable training bonus resources just as a thank you for stopping by.
There is a very lucrative affiliate offer that you will want to check out because getting paid is good!
We proudly offer a no nonsense risk free guarantee.
If you are serious about improving your sales results, earning more money and boosting your customer satisfaction record, you can’t afford to pass this opportunity up. Please visit us now! Get paid more, more often!
Posted in Book-Reviews, Health-and-Fitness, Shopping-and-Product-Reviews, Writing-Articles | No Comments »
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