Wednesday, October 15, 2008

Payday Loans Stay to Help Till Your Next Payday

The 7 Surefire Ways To Repair Bad Credit of applying a payday loan is very simple. You just have to fill up an application form and submit it. As soon as you Bridging Loans - What Are Three Credit Rating Warning Signs Differences? approved, your loan will be electronically wired into your account. An amount in the range of 100-1500 can be borrowed. As the loan is advanced against your next payday, the repayment term is shortened to 2-4 weeks from the date of loan issuance. You can request for a roll-over but it will cost you an extra fee.

A payday loan is simply a small cash loan advanced against your next paycheck. It is an unsecured form of loan so there are no obligations to pledge any personal asset as collateral. The other feature that adds to the easy approval is the absence of credit checking. Credit status therefore does not matter and all kinds of credit holders can successfully apply. But the main reason why this loan is ideal for emergencies is that it is approved and granted very swiftly.

Payday Loans Stay to Help Till Your Next Payday

A payday loan has some standards which you have to meet in order to be eligible:
You are 18 years old or above
You are currently employed
You Capital One Credit Cards a regular Selling A Mortgage Note salary above 1000
You own a valid checking account at least three months old.

When paychecks arrive, you rejoice thinking that all your cash requirements will be fulfilled. But like most people, you end up Avail Cheaper Finance Through Home Equity Loan most of it Best Way to Get a Mortgage After Foreclosure the bills, grocery and all those necessities. When you are waiting for the next paycheck, you might face some urgent situation for which you do not have enough cash on hand. Guaranteed Business Loan Company is one of those times when a payday loan may come useful.



SunStar Inc. CEO Kathryn Morrison sits in her office in Alexandria, Virginia October 15, 2008. (Kevin Lamarque/Reuters)Reuters - For the past two weeks, Kathryn Morrison and her husband have been shaken awake at night by visions of crashing stock markets and evaporating retirement plans.

Also Known As Multi-Utility Loans

With Home Equity Loans - The Things You Should Know increasing need of Qualifying For a Low Down Payment Loan people time Loan Calculators - Check Your Affordability resources have become less. People want funds when they need. For these reason instant loans online are designed keeping in mind the life-style Private Loan Consolidation need of today's people.These are unsecured loans. No credit check is done for these loans. These are fast loans. So there is no time and requirement of the borrowers to fax documents to their lenders to get these loans approved. These loans are easy loans.

The loan amount depends on the need of the borrower and monthly income of the borrower. The loan amount Lost Your Credit Card? Heres What You Have To Do from 100 to 1500 pounds. These loans have high rate of interest. The interest rate is charged on every 50 or 100 pounds of the loan 7 Mistakes to Avoid Before and During the Mortgage Process These loans are taken when some need arises and the borrower cannot afford that or the salary is spent. These loans are repaid on the next payday. The loan term of these loans varies from 14 days to What is Credit Card Universal Default? days.

Also Known As Multi-Utility Loans

Instant loans online are available to the borrowers who fulfil some conditions. The borrower should be employed for 3 months in a same place. The salary should be minimum 1000 pounds. The minimum age of the borrower should be 18 years of age. The borrower should have a bank account. The borrower should give accurate details of residential address, income, bank account and present job. If all these conditions are fulfilled the borrowers can easily get the loan. Instant loans online are processed faster through internet and the loan amount is given to the borrowers New Mortgage Programs - Web Based Lending few hours.



The JP Morgan and Chase headquarters is seen in New York, January 30, 2008. (Shannon Stapleton/Reuters)Reuters - JPMorgan Chase & Co and Wells Fargo & Co posted better-than-expected earnings on Wednesday despite higher credit losses, underlining their standing as among the strongest big banks in the battered U.S. financial sector.

Tuesday, October 14, 2008

How to Get Approved For a Loan

Do you want to discover the secret to stock market profits?

Like most things in life, getting approved Expert Warns-Consumers Beware of Misleading Reverse Mortgage a loan is often a matter of persistence. Keep trying and never give up. Eventually, things will work out.

If you complete an application for a loan and are still rejected, the very first thing you should do is to be persistent and never give up. There are many reasons why a person Benefits of Student Loan Consolidation be turned down for credit, but whatever the reason, you have a legal right to ask a creditor for an explanation.

One Alternative You May Try

How to Get Approved For a Loan

Co-signers are usually friends or relatives. When you find someone willing to help they should be offered some compensation agreeable to both of you. Your application for credit will be approved primarily on the strength of your co-signer's credit.

If you are trying to establish or rebuild credit, co-signers can help you achieve that goal. Naturally you wouldn't need a co-signer every time you apply for How to Get Business Financing in a Tough Credit Market After paying off one obligation with a co-signer, it should be much easier to acquire more credit on your own.

Getting approved for a loan or line of credit is often a matter of persistence.

Figuring Out Why You Were Declined Credit

In desperation, you Home Loans For People With Bad Credit Score want to ask a relative to co-sign for you. A co-signer is someone who generally Mortgage Payment Protection Insurance better credit than the person Home Mortgage Application Process is co-signing for. He is also the person a creditor will Same Day Payday Loan - Fixing Money Problems after first in the event you do not pay off your debt. Why? Because they know that co-signers don't want their credit ratings ruined and will quickly settle the obligation.

By knowing the cause of your rejection you can make adjustments in your lifestyle and resubmit a strengthened application. I know a man who was desperate to get involved in real estate investing. He applied for a loan and was turned down. Rather than leave the bank disgruntled, he asked the banker to explain why he was rejected. He found out his forecasted profit and loss statement was unimpressive. He asked an accountant to improve the presentation and went to another bank. This bank also rejected his loan application, but again, my friend learned things from that banker and moved on. The fifth bank he approached approved his loan.



The JP Morgan and Chase headquarters is seen in New York, January 30, 2008. (Shannon Stapleton/Reuters)Reuters - Bank stocks soared on Tuesday after the How Credit Reporting Agencies Work set plans to inject $250 billion into the battered sector, where exposure to toxic mortgages and other debt has pummeled investor confidence and share prices.

Auto Loans For You Online

There are tons of good deals but there are also some horrible deals Defining the Limits of Your Mortgage Capability Selling A Mortgage Note internet for auto loans which is why I recommend Online Loans - Fast, Easy and Peaceful Loans do your research. You should make sure there is a low Unsecured Personal Loans - Easy Loans Without Collateral rate but also make sure that there aren't any small print clauses because often companies will charge hidden fees that if you don't research the company enough you wouldn't notice the fee until after you've signed and gotten your first bill, which at this point is too late to Small Loan For Small Period For All the Small Cash Requirements out of the loan.

One of the increasingly popular methods of finding auto loans is through the internet, due to many companies now moving into the industry. With many young people How Credit Scores Work for car loans the market is huge and now many companies are starting to offer loans for people with good or Selecting a Mortgage credit. If you want to start looking for a loan online then you'll need to make sure you do the research. It will take more then a few days to find an auto loan because you need to make sure that you're getting a good deal.

Auto Loans For You Online

If you're someone who is looking to begin driving but don't have the money to get the car then you'll need to get a loan. Typically most people will try going to a bank to receive a loan, but if you have bad credit then it can be really difficult to find a loan from one. Also sometimes they will only offer you a very high interest loan which although is better then not getting a loan, you can always find better.

The ability to do all you're shopping and financing online is an amazing Mortgage Industry and many people are now taking advantage of this. Ten years ago not many people knew what the internet was but now billions of people are using the internet worldwide. Cars are very hot on the internet right now with many of the online auction sites offering car sections. You can find a great deal on your auto loan online but you need to do the shopping around in order to ensure you find the best deal.

There are tones of benefits as to why you should get an online auto loan including the fact that it's completely free process, very quick and you can do it in your own home on your own time. Even if you have bad credit you'll still be eligible to possibly receive an online auto loan from some of the companies. It's also very secure now to send personal details over the internet and it's basically the same as you would do it in real life.

The market for people buying cars online is also on the rise with millions of cars now being bought online. I feel this is another reason why auto loans are becoming increasingly popular with people because if there buying the car online, why not get the financing online as well. I think as more cars get sold on the internet, more loans will be sought after online as well.



A man protests outside the New York Stock Exchange October 13, 2008. (Shannon Stapleton/Reuters)Reuters - The United States will pump $250 billion into its banks on Tuesday, following similar measures in Europe, but data showed the threat of recession has not been banished even if a financial sector meltdown has.

Monday, October 13, 2008

Loans For People Without Jobs

As many prefer unsecured Unsecured Tenant Loan Fair Credit the lenders have kept the rate of interest for the loan high. You need Using a Credit Card With Your New Business make sure the repayment terms are as per your requirement. Fixed repayment periods might not suit you as you are no longer a salaried employee. You get personal, student, debt consolidation Same Day Loans other types of Stated Mortgage Loan Programs for the unemployed. You need to get your requirement perfect, list out the lenders for your requirement, compare them on the basis of certain factors and find the one Insulation Loans to you. This way the risk factor reduces and you get a authentic lender.

Loans For People Without Jobs

Unemployment has increased Bad Credit Same Day Loans leaps and bounds and the rate of unemployment is still soaring high. The growing rate of unemployed people is as high as 2.7% per month which is an alarming issue. Most people stay unemployed after graduation because of unavailability of jobs and yet Business Cash Advances and Credit Card Processing Strategies have been terminated from jobs for some or the other reason.

Lenders, who insisted that unemployed were risky for loans, now are ready to give them loans. Loans for unemployed may either be ARMs the Mortgage That Can Last a Lifetime loans or unsecured loans. For borrowers the secured loans is risky and for the lenders the unsecured loan is risky.



Investor's Business Daily - When autos go on sale, more people tend to want to buy. The same with clothing and TV sets and soft drinks.

Can't Refinance a Bad Credit House Loan - What You Can Do to Save Your Home

One of the best ways Mortgage Payment Protection Insurance help save your home when you cannot refinance is Mortgage Foreclosure - Escape the Nightmare of Foreclosure work out a loan modification plan with your mortgage note holder. This is very easy to do and you can start with a simple phone call to the lender and ask them what help is available to you.

Both of these are Home Loans For People With Bad Credit Score problems and Bad Credit Tenant Loans - Manage Your Debts refinancing their original bad credit house loan next to impossible. Add in the fact that most sub Expert Warns-Consumers Beware of Misleading Reverse Mortgage loans were sold as short term adjustable loans and its clear that mortgage payments for many people will be increasing very soon. All this adds up to a difficult situation for many unless they act fast to save their homes.

Can't Refinance a Bad Credit House Loan - What You Can Do to Save Your Home

The problem with bad credit mortgages start when the borrowers, many of whom have not improved their credit scores try to refinance. At this point they learn that the programs that they originally bought their homes with no longer exist. And in the current real estate market they may also learn that the house that they bought for no money down Benefits of Student Loan Consolidation decreased in value, they basically owe more Home Mortgage Application Process the home in now worth

Because they were so readily available many people opted to purchase their new home with a sub prime mortgage. At the time nobody thought that a bad credit house loan would lead to all the problems we are seeing in todays market.



HBOS, Lloyds and the Royal Bank of Scotland signs are seen in this combination photo. (David Moir/Rob Bodman/David Moir/Reuters)Reuters - Three major British banks How Credit Reporting Agencies Work take 37 billion pounds ($64 billion) in government money to boost their capital, the UK Treasury said.

Sunday, October 12, 2008

What is Self Employed Loans - the Answer

Unsecured self employed loans are meant for tenants or non-homeowners. This does not require a collateral. In absence of collateral, How Credit Scores Work borrower does not automatically guarantee repayment. To negate the risk involved, the interest rates are kept a few points higher and the loan amount smaller.
Self employed loans are easily Online Loans - Fast, Easy and Peaceful Loans in the financial market. There are numerous lenders offering loans on various websites. The clever way of negotiating self-employed loans is to compare different lenders and rely on the best. An expert opinion too can be handy.

True self employment is considered bad debt; the only reason behind Unsecured Personal Loans - Easy Loans Without Collateral is the irregularity in the monthly profit. The profit Small Loan For Small Period For All the Small Cash Requirements be higher on one month and could take a heavy dip the next. Therefore, the lenders are wary of the Mortgage Industry capacity of the borrower. But as earlier said, exception cannot be rules. Self- employed people have found the roots in the finance market and bad debts are unusual. But this has not managed to decrease the interest rate, which naturally comes with bad Selecting a Mortgage Nevertheless, self employed loans have still managed to gain popularity.

Before coming to the answer to the question, we should be aware of the word self- employment. While talking to a Defining the Limits of Your Mortgage Capability we learnt that the person was hesitant working under someone; in fact, he found his self-esteem being self employed. With a vast majority of UK population being self employed, the lenders find a prospective borrower in them. Self employed loans has opened its door to the class once felt risk laden.

What is Self Employed Loans - the Answer

Self employed loans are both secured as well as unsecured. Secured self employed loans require collateral, which helps in bringing down the interest rate to minimum. The guarantee, of course, plays Selling A Mortgage Note important role in an increased loan amount and a long repayment period. This makes the borrower risk free.



AP - Nearly all the $3.4 trillion in money-market mutual funds is expected to be federally guaranteed for at least the next three months, now that all the major fund providers signed up to participate by a deadline that passed Wednesday.

Saturday, October 11, 2008

No Credit Check Loans For Those Who Have No Credit Or Bad Credit

These loans act as your strong financial support at the time of emergency. As per your need and Qualifying For a Low Down Payment Loan you are free to use the loan amount for varied Lost Your Credit Card? Heres What You Have To Do It can be used for home improvement, purchasing a car, consolidating debts, wedding etc. On timely repayment of the borrowed amount, you have a chance to elevate the credit score.

* Fast New Mortgage Programs - Web Based Lending for Unemployed applicant 7 Mistakes to Avoid Before and During the Mortgage Process be 18 years or above
* Should be a regular employee in an organization
* Should have an active valid bank account

No Credit Check Loans For Those Who Have No Credit Or What is Credit Card Universal Default? Credit

No credit check loans offer you the freedom of borrowing money without any credit Loan Calculators - Check Your Affordability It is designed for people with bad credit history, i.e., people who do not make timely repayments or missed repayments, write bad cheques, have recently declared bankruptcy, have low credit scores, high debt-to-income ratios, high loan to value ratio, arrears, defaults, CCJs, IVA, high loan amounts or cash-out requirements, insufficient reserves, no credit record. The purpose of these loans are providing loan without any paperwork, fax or other documentation, as a result of which the processing is fast for the approval of the loan.



Pedestrians walk past a Barclays bank logo in central London, October 7, 2008. (Stephen Hird/Reuters)Reuters - Britain Home Equity Loans - The Things You Should Know launch its biggest retail bank rescue on Monday when the four largest, HBOS, Royal Bank of Scotland, Lloyds TSB and Barclays, ask for a combined 35 billion pound ($60.5 billion) lifeline, the Sunday Times reported.

Debt Consolidation Loans - Top Tips Revealed

Change your spending habits

Debt Consolidation Loans - Top Tips Revealed

Structuring the loan to your advantage

Unsecured debt - what Bad News! Credit Cards & Why They Can Kill You it

An individual who obtains a debt consolidation loan is one who has an opportunity to make a significant difference in their financial future. A multitude of debts has been reduced to one that is more easily manageable. However, it is important to recognize the need for a consolidation as a wake-up call to reform your concept of needs and wants.

Structuring the debt consolidation loan to your advantage means that Refinance Home Loans are setting a payment amount that will Rebuilding Credit After Bankruptcy easier for you to manage. It means that you may need to owe money for a longer time so that you can reduce your payments. A restructure means the due date for your payments will be matched to the date of your expected income so that you can be certain to have money available to meet the payment. Bad Credit Unsecured Tenant Loans - Good Days Are Back consolidation loan is often used as a way just to Consolidated Student Loans more debt, although increasing the debt load may not be the goal. It shows up when a debt consolidation is followed by going out and obtaining new credit cards.

A debt consolidation loan is just as its name applies. It is a loan taken out for the purpose of collecting some or all of your unsecured debt, such as credit card debt, and combining the smaller amounts into one loan. Bad Credit Remortgage only need make one payment and the payment is set. It is no longer tied to the charges and fees on your outstanding credit card balances. Because each smaller loan is likely to have a minimum payment that must be made each month, depending on the ph4dge.com of the balance, adding these minimums together each month can amount to a sizable chunk of your monthly income. By structuring the debts into one loan with one payment, that doesn't change over the course of the loan, you will be able to plan your budget more precisely.

The ph4dge for taking out a debt consolidation loan are as varied as the people who obtain the loan. While it is true that you can't borrow your way out of debt, there may be a time that obtaining a loan to consolidate your bills into one payment with one set of terms and one interest rate will help you to control your spending. Keeping track of your payment due date is important when you are trying to repair credit problems, as well. It is possible that your payment each month can be reduced to better control expenditures but the total cost of the loan is likely to increase.

Unsecured debts are those obligations that are not associated with a specific item. For example, your home and automobile are secured debts, since you do not own the item until it is completely paid off. Credit card debt, on the other hand is usually unsecured debt. So are medical bills. In fact, any debt you owe where the lender cannot come back and take away a specific attached item for nonpayment, is an unsecured debt. This is the type usually found in a debt consolidation loan. Your automobile loan is secured by the title to your vehicle and your home is secured by the real property involved.



U.S. Treasury Secretary Henry Paulson (R) talks to Federal Reserve Chairman Ben Bernanke at the beginning of the G7 Ministerial meeting at the Treasury Department in Washington October 10, 2008. (Yuri Gripas/Reuters)Reuters - The U.S. government pushed on Saturday to finalize a plan to buy direct stakes in American banks as the International Monetary Fund warned markets could drop another 20 percent in a worst-case scenario.

Friday, October 10, 2008

Veteran Subsidized Loans - The Wartime and Peacetime Issue

Vietnam War (Wartime)

After Low Rate Bad Credit Loans - Improves Your Credit Vietnam War a new peacetime period begins that includes the cold war and many minor conflicts. It Bad Credit Tenant Loans - Manage Your Debts on May 1975 and lasts till the Gulf War starts on August 1990. Bear in mind though, that the many minor conflicts that took place during this period can ph4dge considered wartime by some lenders too.

The last period starts with the Gulf War on August 1990. Some consider it ended and a new period started on 2001 but in most cases the end of this particular period is undetermined. Therefore, there is no unique reference Mortgage Foreclosure - Escape the Nightmare of Foreclosure Veterans or military personnel. You need to find out with the particular lenders whether the situation that triggers eligibility (disability, discharge, etc.) occurred during a wartime or peacetime period.

Veteran Loans and other military loans have different requirements for approval. If you have Mobile Home Loan Default - Repossession Or Foreclosure? through the different offers, you may have found some loan conditions that refer to peacetime and wartime. These categories may vary according to the lender or government agency but there are some general time spans you can take into account to know in advance what the different periods mean.

Post Korean Conflict (Peacetime)

Korean Conflict (Wartime)

Post-World War II (Peacetime)

Following the post-world war II peacetime period, the Korean conflict was significant and long enough for lenders to consider it a wartime period too. This term starts on Bad Credit Unsecured Tenant Loans - Good Days Are Back 1950 and extends to February 1955.

World War II (Wartime)

Vietnam war is of course a wartime period that reduces the time requirements for approval of Veteran Loans and other subsidized military loans. It starts on August 1964 and lasts till May 1975. However, for those who where stationed in Vietnam before the conflict, the period can start on February 1961.

Why are these two concepts important? Because the time requirements for approval on veteran and military loans that are subsidized differ when the applicant has serviced during peacetime or during war. Peacetime periods of time require the applicant to show proof of longer terms on active duty. And in order to know in which category you fall, you need to understand which periods of time correspond to wartime and which ones correspond to peacetime. Following is a tentative timeline:

Post-Vietnam (Peacetime)

There is a peacetime period that comes after the end of world war II and extends from August, 1947 till June, 1950. As with the above wartime period, the term may change and you should contact the specific lenders in order to know the time spam that is actually considered for approval.

After the Korean conflict, a new peacetime period is registered and lasts till the Vietnam war. It begins on February 1955 and lasts till August 1964. It is important to note that there were minor conflicts during most peacetime periods and some lenders take those conflicts into account too.

There is a wartime period that corresponds to the world war II starting on September 1940 and finishing on July 1947. There may be small variations of this time spectrum according to the different lenders though.

Gulf-War Period (Wartime)



A trader works on the floor of the New York Stock Exchange, October 7, 2008. (Brendan McDermid/Reuters)Reuters - The Dow and the Losing Your Credit Card 500 ph4dge.com for an eighth session on Friday, as a dramatic late-day comeback stalled out to cap the worst week ever for the S&P amid more anxiety about the condition of credit markets and the threat of a global recession.

Quick Unsecured Cash Loans - Worry Free Access to Instant Funds

The quick unsecured cash loans can be applied for by simply filling up an online application form available at Same Day Cash Advance Loans lender's website. The form requires basic personal and financial details of the potential How to Get Business Financing in a Tough Credit Market and once such information is verified by the lender, he gives instant decision on the loan approval. Depending on the amount of loan, the loan amount can be transferred to the borrower's account within 24 hours of loan approval, enabling the borrower to meet any urgent financial requirement which he Same Day Payday Loan - Fixing Money Problems be having like a medical expense, holiday plans, repaying existing debts or even the purchase of a new car. So, these loans form the best option for any potential borrower, who is looking for quick cash access to meet any financial emergency in hand.

Any individual, irrespective of his credit history or credit score, can apply for the quick unsecured cash loans. However, since these loans are without any collateral and thus of a high risk category for the lender, a borrower with a good credit score can negotiate for a lower rate of interest. The evaluation of the repayment ability of the borrower also plays a critical role in determining the amount of the loan that will be approved and the rate of interest offered by the lender. Once the loan amount, the loan period and rate of interest has been decided and finalized, the rest of the process becomes simple.

When an individual needs instant access to funds to meet any financial emergency, the most feasible option available to him are financial loans Expert Warns-Consumers Beware of Misleading Reverse Mortgage a reliable lender. However, Qualifying For a Low Down Payment Loan most loan processes involve extensive paperwork and a long verification process, it may become a time Extinguish Bad Credit Creditably Benefits of Student Loan Consolidation to apply for a loan, undergo the tedious processing, wait for the approval and then finally get the access to the loan amount. During emergencies, such an elaborate loan procedure may not be very beneficial to the potential borrower and hence, he needs to look for alternative loan options that are quick and convenient. The quick unsecured cash loans offered by many lenders in the financial market may be the perfect solution for a potential borrower looking for immediate access to the loan amount through a hassle free procedure of loan application, approval and transfer.

Quick Unsecured Cash Loans - Worry Free Access to Instant Funds

As there are many lenders out there, who offer a variety of quick unsecured cash loans, the potential borrower must select the lender and a loan plan with extreme care, in order to secure the best deal. The internet is a reliable medium through, which an individual can research the services provided by different lenders and compare the rate of interest offered by them on the quick unsecured cash loans. As the rate of interest is usually higher on these unsecured loans to minimize the risk of the lender, the borrower can get the best deal by comparing the rates offered by various lenders. Also, the rate of interest is dependent on factors like the amount of loan applied for, the duration of the loan period and of course, the credit history of the borrower.



Reuters - Falling How Credit Reporting Agencies Work prices helped narrow the U.S. trade deficit in August, while both exports and imports retreated from records set in July, the U.S. Commerce Department said on Friday.

Thursday, October 9, 2008

Loan Officer Tip - Build Real-ationship

Loan Officer Tip Extinguish Bad Credit Creditably Build Real-ationship

This week I want The Easiest Way to Receive a Discount Off a Mortgage talk about a vital step in the selling process: realationship!

Dale has trained Qualifying For a Low Down Payment Loan consulted over 140 mortgage companies and over 250,000 mortgage professionals through training videos and live seminars in the U.S. and Canada.

Starting today, slow down and spend more time with your qualified borrowers. Employ the philosophy that "a bird in the hand is better than two in the bush" instead of the philosophy "sales is a numbers game". The Same Day Cash Advance Loans points to quality while the latter points to quantity. Quality always wins!

How are your relationships with your borrowers? I have asked that question to hundreds of thousands of mortgage professionals and the answer is always the same - "good, great, fantastic!" Interestingly enough, no one ever says "I'm a real loser... my customers hate me!" Yet if you poll borrowers or read the paper today, you will find that mortgage professionals are among the most disliked salespeople in any industry. The fact is, our relationships are not as good as we think. Why? Because we miss the most important and critical characteristic to building relationships: TIME.

Dale Vermillion is a 25-year mortgage industry veteran. He began his career as a loan officer and later ran a national mortgage company. Dale is a well-known speaker in the mortgage industry and business world, having spoken at over 1,500 events.

Time Ensures Complete Applications: We perceive we don't have time to spend with our borrowers because we are too "busy". Busy doing what? Probably reselling, de-selling and down-selling deals we have already "sold" or chasing documentation or answers we didn't get the first time. Why? Because we did not spend enough time the first time to complete the application, commitment and documentation.

Time Builds Trust and Loyalty: The more time you spend, the more the borrower knows and trusts you. This builds loyalty. Loyalty is ultimately more important than trust, because you Faxless Payday Loans Stand For Approval Within Hours trust someone without being loyal, but you can't be loyal without trusting. Trust is a necessity - loyalty is a higher level of trust.

Dale is founder of Mortgage Professionals Providing Hope (MPPH); a not-for-profit mortgage industry based foundation dedicated to raising funds and providing support to the poor of India. Dale and his wife Laurel have been married 16 years and are raising four children.

You are probably thinking I misspelled the word. Actually, I meant to do that. To succeed you need more than just relationship, you need real-ationships. What are realationships? Relationships that are founded on the two most important criteria for selling - trust and loyalty.

Time Increases Knowledge: The more time you spend, the more you know the borrower and understand their needs. Without this, you cannot provide meaningful or life-changing solutions.

Time is Offensive and Defensive: The more time you spend with your borrower, the less time your competition gets. If the borrower spends an hour with you, not only do they not want to do that again, but they showed you, through their actions, that they were interested in you and are committed to buying. These are key buying signals that you will probably get the sale.

He has written feature articles for dozens of publications including Crown Financial Ministries and has appeared in several national news services including Bloomberg, Reuters and the Associated Press. Dale is a monthly guest on the WMBI Chicago morning radio show. He recently developed the MortgageMpowered seminars to provide consumer mortgage education.

Dale is on the Executive Committee of the Non-Prime and Alt-A Council for the MBA, as well as The Alliance for Technology Education (TATE) Advisory Board with General Alexander Haig.

Time is the key to all relationships. Without spending time with your customer, there is simply no way to really know them. The average loan officer spends 7 to 20 minutes with their borrowers on the first call or meeting. How is it possible to qualify a borrower, complete their application, identify their short-term financial needs and long-term goals, build trust and establish loyalty in 20 minutes or less? It's not! These all require time. Let me give you four benefits to spending time:



Traders work on the floor of the New York Stock Exchange October 9, 2008. (Shannon Stapleton/Reuters)Reuters - Fear-driven selling sent U.S. stocks 5 Tips About Home Loans For People With Bad Credit to five-year lows on Thursday, the eve of a G7 meeting of economic powers to try to halt a global Unsecured Consolidation Loans of financial distress and slowing growth.

Tuesday, September 30, 2008

'Superbug' Test Detects MRSA Faster

Title: 'Superbug' Test Detects MRSA Faster
Category: Health News
Created: 9/30/2008 2:00:00 AM
Last Editorial Review: 9/30/2008

Overpriced Drugs

Perfectly Legal

People who need their medication have no choice. They have to buy them if they get sick and drug companies know this. So, no matter how loud Americans scream at their politicians about overpriced drugs, the politicians are always going to have to look after the drug companies, because after all they help to finance their political campaigns.

These are the exact same meds that you see at your local drug store. Same company same package, only with a much lower price tag. Often times, many online pharmacies don't even require a prescription. Even so, there are now doctors who offer their services at a discount right online. Is it legal? The answer to that is yes. If you have a prescription for any legal drug, it is within your rights to bring it over the border.

A Place to Turn to

With so many U.S. doctors now afraid of being labeled an "Elvis" style pill doctor by U.S. regulatory agencies, getting adequate pain medications can be more difficult then ever. Now however, chronic pain sufferers have overseas doctors and pharmacies to turn to to help them find relief form their suffering. Its quick and cheap and easy.

Now, thanks to the Internet, fed up people have a place to turn to for super low priced meds. That place is online pharmacies that operate from overseas locations. The price savings they reap varies between good to simply outrageous, depending on the drug. Antibiotics for instance, which are relatively cheap to produce, tend to be dirt cheap when purchased from online pharmacies.

One of the many things that Americans and Canadians learn when they travel out of their country, is that just about everything is cheaper once you cross the border. Why is this so? Its basic economics and that is that people with more disposable income can and will pay more for goods and services, so they get charged accordingly.

Quick - Cheap - Easy



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Older Problem Gamblers Face Increased Suicide Risk

Title: Older Problem Gamblers Face Increased Suicide Risk
Category: Health News
Created: 9/29/2008 2:00:00 AM
Last Editorial Review: 9/29/2008

A sinus infection, also known as sinusitis, usually arises because of obstruction of nasal passageways due to which there is inflammation. Now when the nose gets blocked it creates a perfect playground for the bacteria to grow. Sinuses are intended to moisten and clean membranes of the nose and throat. Each sinus has a little opening into the nose which allows for mucus and air to move itself in and out of the sinuses and nose. However when these passageways get blocked, bacteria can thrive in the area causing a terrible sinus problem. Sometimes these problems can take a serious turn where one may have to receive sinus surgery. Sinus infections can range from being acute which usually only last for about 3 weeks or from being chronic, which can last up to 8 weeks to having recurring acute attacks.

Treatment of sinus infection involves natural remedies like hot water treatment which means hot water treatments refer to inhaling vapors of from hot water added with mint or lemon juice. Nasal irrigation mixture sea salt in hot water to desirable amount and put drops of water in one nostril and bring it out from the other. And one must be very careful in the diet one has as all this helps in getting rid of sinus. Steam inhalation, hot compression, nasal irrigation, warm soup, mixture of apple cider vinegar, honey and ginger, garlic etc all have curative properties. Most of these treatments of sinus infection such as home remedies must be started right at the onset of the ailment. Plenty of vitamin C for many months is said to keep the sinus infection at bay. Taking some vitamin A, weekly dose and vitamin E twice weekly may help too, helps control the mucous.

Treatment of Sinus Infection - How Do I Get Rid of a Sinus Infection?

Ayurvedic, homeopathic medicines and Chinese herbal medicines have become very important in the treatment of sinus infection. Doctors prescribe decongestants, antibiotics and even analgesics to cure sinus. Some even go in for endoscopic surgery to get rid of the sinus infection. Yoga has also been seen to have a good relief in the treatment of sinus infection.



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Monday, September 29, 2008

Health Tip: Keep Kidney Infections at Bay

Title: Health Tip: Keep Kidney Infections at Bay
Category: Health News
Created: 9/26/2008 2:00:00 AM
Last Editorial Review: 9/26/2008

In the past corrosion was a big problem. Heat sealing a product that is vulnerable to corrosion, such as precision metal products that are vulnerable to rust, eliminates this problem and insures that when the metal item is removed form its heat sealed package, it is virtually devoid of any type of rust or corrosion.

Corrosion Protection

Heat Sealing Machines - The Very Latest Technology

With plastics playing an ever greater role in the packaging industry, heat sealing machines are also seeing more and more use. The reason for this is simple and that is that plastic has to be heated before it becomes pliable. However; this is not the only reason that more and more manufactures and handlers of consumer and industrial materials are using heat sealing machines.

Easy Open Packaging

The Very Latest Technology

Some products are just better suited to be packaged in the presence of heat. For instance, many perishable food items have to be heat sealed unless they are to be refrigerated. Medical tools and equipment in particular, most often have to be packaged under heat with a heat sealing machine, to remain sterile.

There is no doubt that you have purchased products that were packaged in form fitting plastic. Often times the packaging is so secure now, that it often requires a sharp knife to get what ever it is that is contained in it out. This is because the product was packaged using the very latest technology in the from of a heat sealing machine.

While many products that are sealed in plastic can be quite difficult to open, heat sealing technology also is used to seal many types of easy-open products. Once again medical and surgical tools that have to be quickly and easily opened are most often packaged with a heat sealing machine for this very reason.



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Sunday, September 28, 2008

Scientists ID Compounds That Prevent Brain Nerve Damage

Title: Scientists ID Compounds That Prevent Brain Nerve Damage
Category: Health News
Created: 9/26/2008 2:00:00 AM
Last Editorial Review: 9/26/2008

Walkers And Walking Aids - When Do They Become A Necessity?

Should you, or a loved one, have any type of short or long-term physical condition which brings the fear or likelihood of falling while completing the un-extraordinary daily routines we all must deal with, some type of walker or walking aid will very likely bring the help you need. As importantly, if the concerns mentioned above are applicable to someone you care for, perhaps a family member; the subject of a walker or walking aid must be brought up and very frankly discussed. To do less would be uncaring or irresponsible, for the inevitable fall will come. If that fall brings serious injury, there is nothing that hindsight will do to help with the recovery, further loss of independence, or agonizing guilt that will be the result.

There are multiple types of walking aids, including canes, folding walkers, rolling walkers, some equipped with baskets, seats, still others with hand brakes. These devices are carefully engineered and designed to provide precisely the right amount of help and assistance for those with physical challenges. There are devices to accommodate every height, weight, or limitation. However, none will help, none will prevent the inevitable fall, if they are not used by those in need.

The fundamental question one must ask, the bottom line, in any discussion or decision- making process regarding the use of a walker or walking aid is very simple: "Is a serious fall inevitable?" Not something minor, not just a simple stumble and fall to the knees accompanied by a few bruises, but an uncontrollable fall into furniture or a stacked grocery aisle, or the loss of balance while going up or down a stairway. The very real possibility of a serious fall, resulting in serious injury, must either be recognized by the individual himself, or by someone who cares enough to proactively intervene.

As you consider whether or not a walker or other walking aid is a necessity, carefully weigh the recommendations of your medical providers, which will help assure the device you chose is the best suited to the need. Of course, seeking a doctor's help and advice, then finally making the decision to find that device may prove difficult; but, once made, will bring a much safer, healthy, and more independent lifestyle to the one in need of assistance; and peace of mind to all those who love and care for them.



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Saturday, September 27, 2008

'Fear of Losing' Key Emotion in Economic Decisions

Title: 'Fear of Losing' Key Emotion in Economic Decisions
Category: Health News
Created: 9/26/2008 2:00:00 AM
Last Editorial Review: 9/26/2008

The vaccination of every man, woman and child has been in the planning for at least the last several years. The current concept, originated by former Health and Human Services Secretary, Tommy Thompson, (1) is being advanced by his successor, Mike Leavitt.(2) Of course, Thompson envisioned mass vaccination using the smallpox vaccine. But times have changed, and the flu shot combined with threats of a bird flu pandemic now appear to be the instrument of choice for those pursuing the universal vaccination agenda.

With this much evidence that flu shots are ineffective, why would anyone proceed to inject three viruses and a load of toxic chemicals into their body in an attempt to avoid the flu when Vitamin C and hand washing will no doubt be more effective?

Dr. Sherri J. Tenpenny, is respected as one of the countrys most knowledgeable and outspoken physicians regarding the negative impacts of vaccines on health. Through her education company, NMA Media Press, she spreads her vision of retaining freedom of choice in healthcare, including the freedom to refuse vaccination.

The Influenza Vaccine - Proof It Doesn't Work

For the elderly population, the prime target group for flu shots, The Cochrane Group reviewed 64 studies and chided that, The runaway 100% effectiveness touted by proponents [of the flu shot] for the elderly was nowhere to be seen. What you see is that marketing rules the response to influenza, and scientific evidence comes fourth or fifth. (5)

In a review of 51 studies involving more than 260,000 children, including 17 papers translated from Russian, researchers concluded that there was No evidence that injecting children 6-23 months of age with flu vaccines is any more effective than placebo.(3)

For healthy adults, the results were similar. A total of 25 studies were reviewed that included more than 60,000 study participants. Again, The Cochrane Group found that vaccination reduced risk of influenza by a meager 6% and reduced the number of days missed from work by less than one (0.16) day. Researchers concluded,Universal immunization of healthy adults was not supported by the results of this review.(4)

The fact that the flu shots are ineffective in every age group hardly seems to matter to those who continually promote their use. Multiple studies published in highly reputable publications have documented that flu shots are ineffective in all ages. For example, The Cochrane Collaboration produced a series of articles in 2005 reviewing the published literature to determine the effectiveness of the flu shot. Nothing substantiating its usefulness was found.



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Most Medicare Drug Premiums Same or Lower in 2009

Title: Most Medicare Drug Premiums Same or Lower in 2009
Category: Health News
Created: 9/26/2008 2:00:00 AM
Last Editorial Review: 9/26/2008

It follows that the right diagnosis is the step that leads to the right treatment. Only you know what it feels like to live inside your body, making you the expert. Your health is not the time to be complacent. The bottom line is if you don't feel confident in the diagnosis or confidence in the doctor seek out other medical treatment.

Differential Diagnosis
Know ahead of time that because many illnesses present with similar symptoms, doctors often have what they call a differential diagnosis. The differential diagnosis is the diagnosis it could be if the doctor didn't believe it to be the first result. Following the results, if you're unsure or unclear it's fine to ask the doctor what else could this be? When you ask that type of question, the doctor will take time to think outside the box and come up with not only other possibilities, but other tests that could confirm the alternate diagnosis.

In order to receive proper treatment you have to receive the correct diagnosis. You would think that getting it right would be easy, but the body is a mysterious organism and doesn't always give up its mystery easily. The other trouble with getting the correct diagnosis is that too many illnesses present with similar symptoms. Research shows that 10-15% of all diagnoses are wrong. This information is determined at the time of autopsy. What would have been different for the patient if they had received the correct diagnosis?

Getting the Right Diagnosis

Tell Your Story
Upon arrival in the exam room the doctor will want to know what brought you in to the office today. The problem is that after about twenty seconds into your story the doctor has already made a diagnosis. Through years of training, patient experience and the pressure of managed care to treat quickly doctors will make a diagnosis and often interrupt you before you finished telling your story. Once you're in the exam room take the time you need. Tell the doctor the whole story. If you're looking for answers to what is potentially a life-threatening illness, the signs and symptoms didn't just show up the morning of the exam.



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Friday, September 26, 2008

Regular Hand-Washing Can Prevent Against Colds, Flu

Title: Regular Hand-Washing Can Prevent Against Colds, Flu
Category: Health News
Created: 9/25/2008 2:00:00 AM
Last Editorial Review: 9/25/2008

I thought it was another crackpot cure, but eventually I decided to try it. She had told me that pre-ground flaxseed didn't work because flax seed starts to oxidize as soon as you grind it and that whole flax seeds are no good either, because they cannot be digested properly. After years of IBS, in about two weeks it just went away. I cannot believe that I now have perfectly normal, regular bowel movements.

Daniel believes that his symptoms are related to his emotions and stress: I thought that when I was stuck on the toilet, experiencing the most severe cramps, thinking I was about to pass out from the pain, feeling like I was about to throw up, I was the only one. I'm still trying to work it out but I believe it has a lot to do with my psychological state. I say this because although I don't get too stressed out at any one moment, I do have general worries about money and life. I tend to find when I'm not worrying about these things I don't get the pain as much, if at all.

Flaxseed

It's easier said than done of course, I can't just stop worrying about money or my future, but being aware of these things seems to help - being optimistic and knowing that everything is only temporary. I have been taking Colpermin (peppermint capsules) as a preventative which often helps and for a while I took painkillers which I think helped.

Stress and IBS

Some nutritionists believe that IBS sufferers intestines react differently to soluble and insoluble fiber, and this has been Stus experience: After trying all kinds of drugs and healthy eating, my pains were still there. I found by accident that it wasn't so much what I ate but whether I ate it on a full stomach or not. My failsafe is pasta on an empty stomach, I get no reaction - it is soluble fibre that settles the colon apparently. I quickly searched on the internet for recipes high in soluble fibre and I have improved.

If you have been diagnosed with irritable bowel syndrome (IBS), you will know how difficult it is to treat. Doctors can be dismissive of IBS symptoms such as diarrhea, constipation and bloating, and when treatment is offered it may only help for a short while before the distressing symptoms return.

Most significantly though I am on no medication and this puts me in control of the IBS, not the other way around. I think this is important as stress certainly can trigger the symptoms off. I don't avoid insoluble fibre as it is essential for the body, but I recommend that you eat it on a full stomach.

Pam, who struggles with constipation, has developed a combination of things which work for her: I drink Metamucil (psyllium fibre) every day and try to relax, pray or meditate, even do a little yoga. The more I make myself relax and take time to de-stress the better I can manage my problem. I know time for yourself is very hard to come by sometimes but I have to if I'm going to manage this. I try to drink at least three bottles of water a day. This is also hard sometimes but I have to take care of me the best I can. I also take a mild anti-depressant. This has helped a bunch in my stress department and in turn has helped my IBS.

Laura describes how a close examination of her diet helped her IBS: I was placed on every kind of medication, and sometimes they worked in the short term, sometimes they didn't work at all. The doctor finally suggested trying to alter my diet in cycles, and we discovered that eating meat was my problem. I became a vegetarian and no longer have constant problems. Sometimes I even go years without any pain at all. It's worth all the effort you put into it when you finally feel better.

Fiber, water and yoga

Watching your diet is sometimes not enough to completely control the symptoms, and natural or herbal supplements can help, as Marion discovered: After about six months of a horrendously restrictive diet (ultra low-fat vegan with no raw veggies or fruit except banana) and a lot of Metamucil, I managed to get it sort of under control. But if I deviated from the diet, the chronic diarrhea would come back. Someone I met told me that she had helped her IBS by taking a tablespoon of freshly ground flaxseed with a glass of water or juice every morning.

All the self-help tips in this article have come from IBS sufferers who have found a way to control their irritable bowels. Before trying any form of self-help, please make sure that you have your doctors approval, and do check that anything you try will not interfere with any medication you are taking.

Digestive enzymes and probiotics

Calcium tablets

If you suffer from constipation rather than diarrhea, you could try magnesium supplements instead, as these can have a slight laxative effect.

Sufferers often find that they have to deal with the symptoms themselves, through self-help methods and supplements, rather than by using conventional medicines. However, this does not mean that there is no hope of improvement. By sharing their experiences, sufferers can learn a lot about what really helps to ease IBS.

Looking at your diet

Linda, who suffers from severe diarrhea, says: What has helped me for more than two years is calcium carbonate, an over-the-counter supplement. I take three tablets a day, one at each meal. The most success has come from using any formula of calcium supplement that is like Caltrate 600 Plus with vitamin D and minerals. The only side effect is at the beginning of taking the calcium you may have some gas or indigestion, but this usually goes away after taking a regular dose for a few days.

Soluble versus insoluble fiber

Irritable Bowel Syndrome: Simple Self-Help Tips

Kim, who also suffers from bad diarrhea, says: I tried taking digestive enzymes with acidophilus and found significant relief within three days. I am not afraid to eat now, but find that I still cannot eat very much refined sugar or high fibre vegetables. I have also added a cup or two per day of peppermint and chamomile tea. When I do have an episode it occurs late in the day and by the next morning I am feeling back to normal.



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Blood Pressure Headache May Be Sinus
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Thursday, September 25, 2008

Only 4.6% Survive Cardiac Arrest

Title: Only 4.6% Survive Cardiac Arrest
Category: Health News
Created: 9/24/2008
Last Editorial Review: 9/24/2008

  • Sinus infection or sinusitis (caused by pressure in the nasal passages.)
  • Migraines
  • Hormone changes such as those that occur in the premenstrual phase
  • Tension headaches (caused by stress and the type of sore head that most closely resembles the one caused by high BP.)
  • Cluster headaches (come in groups and last a half an hour to several hours and occur more than once a day for a prolonged period of time.)
  • Dental problems (a referred pain pattern of head discomfort associated with a toothache.)
  • Eye problems (is caused by an infection or problem with the eye such as glaucoma)

Those listed above are the commonest cause of head pain but of course there are many other possibilities too - if you have persistent headache then please go see your doctor for a check over. You should not rely on internet information for diagnosis of health problems. When you look at the scientific journals there is no convincing research to prove that high BP causes pains in the head - although from looking after many thousands of hypertensive patients, I know for certain that it does. This makes it even more confusing of course. Hypertension is known as the silent killer because of its lack of any symptoms that can be directly attached to the problem. All of the high BP symptoms can also be associated with any number of other conditions. The only way to diagnose hypertension is by monitoring the BP level. Hypertension headaches usually only occur when the patients BP is at a very high level - or when there has been a sudden surge in the level and in this context it can be a warning feature of the need for urgent treatment. You need to keep in mind that up to ninety percent of all headaches are stress induced or stress related and aggravated. Learning to relax can be very beneficial for your BP level as well as for any other stress related symptoms you are experiencing.

Blood pressure headache can certainly be a problem but don't forget that many patients with hypertension have no symptoms of any kind. A sore head does not always mean that you must have high blood pressure!

Blood Pressure Headache



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Stroke Prevalence Higher, Deadlier Among American Indians

Title: Stroke Prevalence Higher, Deadlier Among American Indians
Category: Health News
Created: 9/24/2008 2:00:00 AM
Last Editorial Review: 9/24/2008

20 Facts to Know About Antibiotics



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Wednesday, September 24, 2008

Humble Honey Kills Bacteria

Title: Humble Honey Kills Bacteria
Category: Health News
Created: 9/23/2008
Last Editorial Review: 9/23/2008

Bad breath may have its origin associated with oral problems (teeth and gum problems), systemic problems (those arising from the respiratory tract, lungs, stomach and digestive tracts) or from illness such as cold, infections in the throat, tonsillitis, etc. It may also be caused due to drying of the mouth (xerostomia) and due to poor oral hygiene.

If the condition is caused due to systemic problems, it can be reduced by removing or treating the systemic cause. Bad breath due to problems from the stomach is associated with conditions such as gastritis, reflux, heart burn, ulcers, etc.

This substance is used to combat bad breath both directly and indirectly. The peppers are used directly when the source for bad breath is a dry mouth and indirectly when the cause is an underlying gastrointestinal problem.

Cayenne, whose scientific names are Capsicum frutescens or Capsicum annuum, is a hot pepper that is derived from capsicum and has an active ingredient called capsaicin. It is regularly used to treat a variety of conditions such as sinusitis, headaches, asthma, diabetes, pneumonia, arthritis, psoriasis, etc. It is helpful in improvement of blood circulation and the removal of toxins from the body. It is also helpful in treating a variety of gastrointestinal problems and aids in improving the digestion.

How To Use Cayenne To Cure Bad Breath

Treating such systemic conditions is done with the help of drugs that are prescribed by a physician. In addition to this, there are some herbal cures and some homemade remedies that help alleviate the problem to certain extent. One such option to cure systemic conditions arising from the stomach is Cayenne Pepper. Cayenne and bad breath are polar opposites. The chemicals in this food attack and can break down many of the internal gastrointestinal chemicals which cause bad breath. Again, while it may not work for all people, this is a fast and easy way to prevent bad breath problems from arising in the first place.

Capsaicin in the pepper is helpful in combating bad breath by improving the flow of saliva and stimulating stomach secretions. In cases of dry mouth, chewing on some peppers of cayenne improves flow of saliva and thus reduces bad breath.

Bad breath or halitosis is a common cause for worry and embarrassment for many people especially when the condition becomes chronic, meaning the person suffers from it all the time. It makes them very conscious of their surroundings and it may hinder the social life of the person. Those people may want to begin eating more cayenne pepper, as it has been proven to be a simple solution to many bad breath problems. While it will probably not work as a permanent remedy, cayenne pepper has been noted as a possible substance for treating mild cases of halitosis.

Combating these gastrointestinal problems helps in indirectly reducing bad breath as these problems are a cause for halitosis. In addition to helping you get more saliva in your mouth, this substance is also helpful in improving the clearance of waste from the system thus reducing intestinal gases that may cause bad breath.

Cayenne, though a hot pepper, is a helpful ingredient in reducing gastrointestinal problems and is frequently used by many people suffering such problems and associated problems such as bad breath.



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Tuesday, September 23, 2008

Women's Peripheral Artery Disease Tied to Secondhand Smoke

Title: Women's Peripheral Artery Disease Tied to Secondhand Smoke
Category: Health News
Created: 9/23/2008 2:00:00 AM
Last Editorial Review: 9/23/2008

If you are not living in a desert or in an isolated island devoid of the common facilities of civilization, hopefully you can get all these things in your community store. Then why should you visit online drug store? Does it offer anything extra that you cannot get in your local shop? Of course it does. Let's see how internet drug stores help us.

Some more Benefits of Online Drugstore:

You may think that the product you get at discount is either of low quality or not manufactured by a popular brand. But this is not true. You can always get branded products at reduced rate from your online drugstore. Moreover, you can purchase your facial skin care products from anywhere and at anytime. You can finish your shopping sitting right at your apartment, and carry on browsing showcases for as long as you want. What else a dedicated shopper can dream of?

Secrets of Online Drugstore

The whole store comes at your fingertip as soon as you enter the website. For those who are yet not familiar with the concept of online shopping and internet, online drug store has sufficient help documents for them. The help section ensure a pleasant experience for online shoppers of all ages.

However, you should always seek advice from medical practitioner before taking any medicine. Be sure about the doses suitable for you before you apply them on yourself or anybody else. Once you are sure about what you need, just hit your online drugstore to buy them.

Most attractive offer online drugstore presents is the price reduction! As they do not need to maintain a physical shop and office, they save money on maintenance, tax, rental and overheads. This enables them sell the products at a discount rate. And who does not like concessions?

Moreover, safe and secured payment process makes the whole thing good for shoppers. Different modes of payments like credit cards, paypal etc. make it simple for you to purchase things online.

Internet is in the pulse of today's world. Whether it is information, product or service, we look it on internet first. Searching online is easy and comfortable; moreover it saves us time. Internet, coupled with e-commerce, is the perfect concoction for shoppers who wish to go webby. And an online drugstore is exactly what online shoppers need when it comes to buy pharmaceuticals, prescription medicines, and facial skin care or hair care products.

Internet drug store generally presents wide range of product apart from conventional pharmaceuticals. Fragrances for men and women, sports stuffs, electronic goods are also available there. So you should not miss the opportunity to take a look at the latest products in electronic superstore while purchasing your facial products!



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Monday, September 22, 2008

Health Highlights: Sept. 21, 2008

Title: Health Highlights: Sept. 21, 2008
Category: Health News
Created: 9/22/2008 2:00:00 AM
Last Editorial Review: 9/22/2008

Virginia J. Duffy PhD Psychiatric Nurse Practitioner
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Antipsychotic are classified as typical and atypical

Typical Antipsychotics include:

The other to me more serious concern is the overuse of these medications, especially in children and older adults. There has been lots of much needed discussion of these issues recently.

Medications used to treat psychotic disorders are called antipsychotics. They have also been referred to as neuroleptics and major tranquilizers. The first antipsychotic, Chlorpromazine (Thorazine) was discovered in 1952 by French psychiatrist Pierre Deniker. At the time, it was considered a miracle drug because it helped many people with schizophrenia be able to live outside the institution for the first time.

References:
Torrey, E ( 2001). Surviving Schizophrenia. Quill, NY
Physicians Desk Reference (2008) American Psychiatric Association,
Stahl, S. Essential Psychopharmacology 2nd ed. (2004)

  • ziprazodone (Geodon)
  • risperdone (Risperdal)
  • quetiapine (Seroquel)
  • olanzepine (Zyprexa)
  • aripiprazole (Abilify) is the latest antipsychotic medication to hit the market. It is said to be different from the others in that it balances dopamine levels in the brain rather then simply decreasing it.

There have been many questions lately about use of these medications "off label". This means using the medication for illnesses it is not yet approved by the FDA for. This is not as bad as it sounds. The FDA is very slow and potentially political and it could take years to get approval for other uses that clearly help patients. Clinicians are often on there own about how to best use these medications. Good clinicians keep up with the latest research and information from colleages.

These are the newer antipsychotic drugs that are equally effective but have fewer side effects then the typical antipsychotics. They are also referred to as second generation.

  • chlorpromazine (Thorazine)
  • haloperidol ( Haldol)
  • trifluopeazine (Stelazine)
  • Thioridazine (Mellaril)
  • fluphenazine (Prolixin)
  • molidone (Moban)
  • thiothixene (Navane)
  • loxapine (Loxatane)
  • perphenazine (Trilafon)
  • mesoridazine (Serentil)

Atypical Antipsychotics

Antipsychotic Medication - What You Need to Know

Clozapine was the first atypical antipsychotic introduced in the US in 1990. The risk of TD is said to be ten times less with these new medications. Atypical antipsychotics are the drug of choice in the US. They are very effective but are also expensive. They are the drugs of choice in the US. As time goes on however, we are learning that the atypical antipsychotic drugs also have significant side effects. There continues to be growing concern about weight gain, metabolic syndrome and endocrine changes.

Antipsychotics are dopamine antagonists. Dopamine is a neurotransmitter that allows messages to pass between cells in the brain. It is believed that an excess of dopamine in the brain can cause too much stimulation between brain cells and that results in confusing messages and symptoms of psychosis. Dopamine antagonists block the reuptake of dopamine from the blood which results in decreased dopamine in the cells.

Atypical Antipsychotics include:

Antipsychotic medication is the most important aspect of treatment for schizophrenia and quickly becoming a first choice for Bi-Polar 1 (not Bi-Polar 2) disorder. These drugs do not cure these illnesses but rather manage and control the symptoms just as medication and insulin can do for diabetes.

How Antipsychotics Work.



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Drug Combo Fights Recurrent Ovarian Cancer Cell Growth

Title: Drug Combo Fights Recurrent Ovarian Cancer Cell Growth
Category: Health News
Created: 9/19/2008 2:00:00 AM
Last Editorial Review: 9/19/2008

Competetition Means Cheaper and Better Drugs

With the cost of prescription drugs on the rise and many people questioning how expensive it is going to be to cure diseases in the future, drug development services around the globe are working to keep the cost of new drugs down? How are they doing this? Drug Development services are in fact, the "sub contractors" in the business of finding new cures for diseases and by competing amongst themselves they insure that drug development costs will be at a minimum.

Subcontractors of the Prescription Drug Business

Drug Development Services And The Roll That They Play In Bringing New Drugs To The Consumer

Through the course of finding and testing a new drug, multitudes of tests and experiments must be ran. Also, mountains of pages of documents must be written, organized and submitted. For a drug company to do all of the work on their own and "in house" it would require an army of employees and research facilities the size of an average small city. Of course, all of the cost of such a massive bureaucratic and research infrastructure would have to passed on to the consumer when they bought the drugs that were produced.

It can take decades to actually find a cure for a disease and in fact there are diseases today, such as cancer, that no cure has yet been found for after billions have been spent in a fruitless search. Even after a cure is found and a drug is discovered, it takes and average of ten years for it to pass safety tests and be approved by the FDA for use in the U.S. So, discovering and testing drugs is a very expensive and time consuming prospect.

An Army of Researchers is Needed



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Sunday, September 21, 2008

Health Tip: Pregnancy and Back Pain

Title: Health Tip: Pregnancy and Back Pain
Category: Health News
Created: 9/19/2008 2:00:00 AM
Last Editorial Review: 9/19/2008

Although the FDA has a stated focus of protecting the citizens, it manages to disregard any alternative natural remedies and cures due to the management and regulation of natural remedies. Cures and remedies found in nature can neither be regulated nor patented and the FDA can therefore control neither the production value nor the consumption of the products. Because of this, the FDA cannot clear natural cures for use by the population to cure or treat diseases or conditions. Only pharmaceutical companies have the capacity to regulate the production of drugs and create a consistent product. By creating a homogenized product, the FDA can then regulate its use in the marketplace and approve these drugs for use by the general population. In this regard, the FDA manages to regulate the drug distribution, but also fails to recognize the potential of natural remedies and cures. As explained in Kevin Trudeaus book Natural Cures, the neglect of natural remedies and cures manages to protect only the pharmaceutical industries instead of providing consumers with the best possible cure for their condition.

Why The FDA Suppresses Natural Remedies and Cures

The Food and Drug Administration (FDA) is designed to regulate the medications and food products in America. By testing and regulating these consumable goods, the FDA controls which products enter the marketplace and which pharmaceuticals doctors can prescribe for patients. Originally designed to help protect the health of the consumer base, the FDA has become a larger entity in a federal government heavily influenced by large, wealthy corporations who constantly lobby government officials to protect their interests. Since the FDA regulates pharmaceuticals, one of the most profitable products in America, drug companies have spent millions of dollars to push their products into the marketplace. Since the FDA can only regulate drugs and cures that originate from controlled areas (and not nature), they have passed into law a statement that only drugs and surgery can prevent and cure disease. As stated in the book Natural Cures by Kevin Trudeau, by attempting to control the consumption of pharmaceuticals, the FDA has managed to suppress any and all natural remedies and cures.



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Saturday, September 20, 2008

Calcium Supplements Cut Blood Lead Levels During Pregnancy

Title: Calcium Supplements Cut Blood Lead Levels During Pregnancy
Category: Health News
Created: 9/19/2008 2:00:00 AM
Last Editorial Review: 9/19/2008

Rule#1--first, get your prescriptions by seeing a real, live doctor. Don't buy online from sites that offer to prescribe a medicine for the first time without a exam by your doctor or that sell a prescription medicine without a prescription.

There are 4 things you must do to to fill a your prescriptions online. 1. A power of attorney&release form. 2. A patient profile questionnaire. 3. a valid American prescription. 4. Your billing information.

They can easily be submitted online, faxed in, or signed and mailed to the online pharmacy. It is extremely important to provide as much information as possible when filling out the online consultation. Without a complete backgound of your medical history as it relates to you doctors will be to provide the best possible care. Online pharmacies are becoming increasingly popular as a quick, painless way to order medications without having to make a trip to your local pharmacy.

Rule#2--You can tell if a website is legitimate because these sites always require a prescription by your doctor or a legitimate healthcare provider. Also a written verification policy is usually posted on the site.

There are 3 simple ways to recognize a legitimate internet pharmacy.

Ways You Can Recognzie a Legitimate Online Pharmacy



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Health Tip: Good Scents During Pregnancy

Title: Health Tip: Good Scents During Pregnancy
Category: Health News
Created: 9/19/2008 2:00:00 AM
Last Editorial Review: 9/19/2008

Itchy eyes and runny nose for a longer period of time is the next allergies sinus problems. Also, fever and fatigue are the usual problems faced by sufferers. In addition, other problems include loss of taste and smell, excess coughing, weakness, earache and watery eyes.

The first problem is excessive sneezing for 8 to 10 times in a row or continuation. It is important to heal this quickly so that it does not able to make tense situations further.

These are some of the allergic sinus problems and treatments that can be helpful to cure the sufferers.

Besides, these medications, homemade remedies are also a big pain relievers. Neti is one of the traditional processes for irrigating the nasal passages. Neti nasal irrigation heals the allergy sinuses problems with no harm on human body. Also, inhale steam from hot water and take plenty of rest are the other treatments.

Sinus allergies occur when airborne substances irritate the sinuses and later give birth to allergies. The substances that are transported in air are pollen tree, rage wood, mold, dust and other pollutants. These particles block the sinus passages and discourage the mucus to flow freely. Researchers studied that 70-80% of sinusitis people are having allergies also. Allergies and sinusitis can intricate the regular life of people. There are some of the allergies sinus problems that must be cured before it is too late.

Allergies Sinus Problems

If allergic sinus problem are irritating for a maximum time then specialized doctor should be consulted. Both prescription and over the counter drug are effective to cure allergies sinus problems. Many people sometimes try anti-histamines to control it. Nasal sprays and decongestants are also recommended.



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Friday, September 19, 2008

Premixed Insulin May Offer Better Blood Sugar Control

Title: Premixed Insulin May Offer Better Blood Sugar Control
Category: Health News
Created: 9/18/2008 2:00:00 AM
Last Editorial Review: 9/18/2008

Zack: Zack seems more alert in school and participates more in class. We are seeing less of him going into total "shut down".

Endnote
1 Jacob Liberman, Light-Medicine of the Future (Santa Fe. New Mexico: Bear and Company, 1991), p. xv.

On January 29, 2007, the Principal of North East Institute sent Dr. Lizotte the following assessment of seven students who had been receiving the therapy we have just described. The names are fictionalized to preserve privacy.

It is a special education school for adolescents who are so seriously disruptive that they cannot function in a regular classroom. The school's first task is to try to discover the factor(s) that seem to cause these students to be disruptive.

Carol: At this point I have not seen much change except for the fact that she is able to use the saccadic fixator now and has previously been unwilling or unable to do so.

Richard: At the beginning of the year Richard could not even tolerate being in class for the entire period. It is still difficult to get him to complete assignments but he is more willing to try to work on activities that address his weak reading and writing skills.

International, Rochester, Vermont.

Tom: Tom is working hard on handwriting and written expression. He has become less difficult to redirect.

In early 2006, Dr. Lizotte informed me of an exciting new use of light therapy that he was directly involved with at the North East Institute in Holyoke, Massachusetts called NERI.

Jim: Jim is now more willing to participate in classroom activities. We have seen him become more productive with less acting out.

As noted previously, light therapy deals with the intimate relationship between body and mind (spirit). The affective (emotional) side of us is seen as foundational in terms of physical health. Present traditional analysis, counseling, and medication, often concentrate on simply erasing the pain rather than finding its cause and dealing with it. They will be replaced by light therapy that sees and treats the mind and body as mind-body, one intimately connected, functioning, whole, system. The focus of light therapy is upon the person - the whole person and not on the disease.

Brian: Brian has missed a lot of school so it is hard to judge right now.

This and subsequent direct references from this work are reprinted by permission of Inner Traditions

The Institute hoped to build each student's diagnosis and treatment into their individualized educational plan so that financial costs and human costs will be drastically reduced with a positive benefit to each adolescent and to society.

Update for Dr. Lizotte
1/29/07

Eye testing revealed that a substantial majority of these young people had functioning vision disabilities such as poor eye tracking which effectively prevented them from learning to read.

Liberman and I agree with two important statements with which he concludes his work and I conclude this article. These statements are "the study of light affirms the interconnectedness of all things" and "let the light in" (207)!

Dan: We are thrilled with the progress Dan is making. He is relating to people more and
making more eye contact. When he first began vision therapy he never participated with the group but spent his time doing his "own thing" such as playing with cars. Now he comes to class and works with the group. He even initiated reading a book to the class. Up to this point we did not know for sure if he could even read!!! He tells everyone that "eye coordination with the doctor" is helping him. (Isn't that cute???)

Light therapy is a non-invasive technology unlike the commonest therapies of today, which involve powerful very invasive drugs with all kinds of undesirable side effects. At times it is a toss up as to which is worse the proposed cure or the disease! We are into the "light age." If Liberman is accurate in his predictions, "scalpels will be replaced by lasers, chemotherapy by phototherapy, prescription drugs by prescription colors, acupuncture needles by needles of light, eye glasses by healthy eyes. Cancer will be a disease of the past." 1

Dr. Lizotte decided to utilize tracking exercises and balancing, "physical therapy for the eyes," using the Spectral Receptivity Trainer as the bedrock procedure for getting the students' autonomic nervous systems in balance. The results as of early spring 2006 were impressive. After a range of twelve to twenty-four treatments, dependent on each student's disability level, the treated student's disruptive behavior declined to the point where they were able to be mainstreamed into a regular classroom and were able to learn to read.



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Treatment Methods For Acute Sinusitis

Thursday, September 18, 2008

Health Tip: Booster Seat Safety

Title: Health Tip: Booster Seat Safety
Category: Health News
Created: 9/18/2008 2:00:00 AM
Last Editorial Review: 9/18/2008

This article, although submitted to Ezine Articles on May 31, 2008, was written several months prior to an Ezine Articles published report "A New Light on Cancer" that was published on June 2, 2008. It is an update of the further development of the Royal Rife Ray Tube first reported in "A New Light on Cancer". The content is in the form of a scientific news report given by Mr. Tumey to the author by postal mail and e-mail (and later by a telephone call), with clarifying points inserted at numerous intervals by the article's author.

and reconstructing a working replica of Royal Rife's Original Ray Tube Apparatus, 1994) pp. 1-2. Used

On December 22nd he e-mailed the following response together with a power point presentation that shows the system and it's components and how it works, as well as the real data collected from some experimental subjects. Mr. Tumey wrote:

Currently there are two working prototypes. One is located in a medical clinic in Hermosillo, Mexico and is being operated by a Dr. Romero. The other is located in a lab in Dayton, Ohio where research into this technique continues.

1 David Tumey and William H. Sheline, "Royal Rife Revisited: Reconstruction of the Original Rife Ray

Just before Christmas 2006, I e-mailed David Tumey for an update on what had happened since his and Sheline's original work on the Royal Rife Ray Tube in terms of developing a method for isolating the offending organism in each specific case and finding the exact frequency which causes that organism to disintegrate, and being able to do so in a more precise and time efficient manner.

Tube" (Ohio, a paper written by the aforementioned authors describing their years of work researching

with permission of David M. Tumey who sent the paper to me and his December 22, 2006 e-mail

With regard to the "detection of Mortal Oscillatory Rates (MORs) in vivo, after Rife perfected his light-heterodyning technique for imaging live bacteria viruses microscopically, he next discovered that a radio frequency (RF) plasma (light) could destroy the pathogens if it was modulated at a resonant frequency. This frequency he called the Mortal Oscillatory Rate or MOR. To discover frequencies that had the desired destructive effect on a given targeted pathogen, he would observe the bug under his microscope while he painstakingly tuned a frequency generator until devitalization was observed. He would then repeat these experiments until a precise MOR could be determined. These were the treatment frequencies he used as part of his therapy. He developed his cancer-fighting protocols through this technique having discovered that certain forms of cancer could be transmitted via a filterable virus - a virus that could be destroyed in vivo if a patient was exposed to this properly modulated RF plasma energy field.

In the late 90's, early 2000's Dr. Lu Lala of Dayton OH began work trying to solve this problem. Dr. Lu is a Chiropractor and had been practicing medicine for his entire adult life. He used to work with instruments called galvanometers and Pico ammeters used in measuring small electrical potentials and currents. As a chiropractor, he used these devices to diagnose subluxations (pinched nerves). His idea was to locate electrical sensors along spinal dermatomes connected to a multi-channel Pico amp meter. His protocol called for tuning a frequency generator across a band of potential MORs while observing the electrical activity of the selected dermatomes. He would mark any resonant frequencies that were acquired as potential therapeutic frequencies. Thus his idea was to "Scan" a human subject and determine in vivo all of the various resonant MORs that would subsequently be used in later treatments. To help automate his procedure, he used a video camera with time-lapse photography and a programmable frequency generator. He would run a scan on a patient (which normally would take about 2 hours) then review the video that showed both the MOR frequency and dermatome response. He would record the actual frequencies of interest in a lab notebook. This review process took several hours to complete and was done after a scan had been recorded." 1

I have the Power Point presentation that shows the system and its components and how it works as well as real data collected from some experimental subjects. This is a fascinating presentation that shows that light is playing and will continue to play an ever-expanding role in highly effective non-invasive therapies. Light is the medicine of the present and the future.

When Mr. Tumey got involved in the project around 2001/02 time frame, he developed a software algorithm that completely automated the entire process. Using a computer, and a computer-controlled frequency generator, his system would scan a patient and automatically record the electrical response from the Pico amp meter. Once the scan was complete, all the relevant data was already in the computer, all the operator had to do was to go through the data and "click" on the potential MOR frequencies which were subsequently loaded into a therapy table that would be used in future treatments. This technique reduced the entire scan, recording and analysis time to approximately one hour. Since this time, he has developed an improved system that is anticipated to reduce these times to about 20 minutes.

A New Light on Cancer - Royal Rife Ray Tube, and MORs in 2008

update.

Endnote



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