Tuesday, April 2, 2013

Bill Reduction - Using Debt and Bill Consolidation Services

While acquiring debt seems to happen overnight, reducing or eliminating your debt may be a long process. Fortunately, there are many options for lowering debt. If you own a home, selling your home or applying for a home equity loan is very effective. The money you receive can be used to pay credit cards, vehicle loans, personal loans, etc.

Debt Elimination and Consolidation Strategies

Those who do not own a home, and those with bad credit, have limited options for reducing their debt. In this case, these individuals may stop paying creditors or file bankruptcy. While bad credit people have few options, there are ways for these individuals to become debt free.

Perhaps you have heard of a debt and bill consolidation service. Debt consolidation is often associated with a bank or mortgage loan. If you own a home, you may obtain a debt consolidation loan using your home's equity to secure the funds. Moreover, if you own your automobile, the vehicle title may be used as collateral for a loan.

Consolidate Consumer Debts without Bank Loan

Debt consolidation does not necessarily involve a bank loan. Banks have very strict lending rules. Before you are approved for a loan, the bank will carefully review your credit, income, etc. If you have a low credit score, and no collateral, your loan request is denied.

Obtaining a debt and bill consolidation without a bank loan is simple. Various companies throughout the country specialize in debt consolidation. The goal of debt consolidation companies is to get you a better rate on your credit cards. This will help you become debt free.

Each company has different requirements. For starters, some debt consolidation agencies only work with bad credit people. Thus, if you hoping to consolidate your debts and you have a high credit score, some agencies will not accept your business. However, there are debt agencies that work with all types of credits.

Negotiating a Lower Interest Rate

Apply for debt consolidation online by completing an application with an agency. You will be asked to provide information pertaining to your debts, income, employment, and so forth. Once your application is approved, a representative will begin contacting your creditors to negotiate lower interest rates.

Because debt agencies have clout, creditors are willing to cooperate and come to an agreement. While working with a debt consolidation agency, you will no longer make payments to your individual creditors. All payments are submitted through the agency. In turn, the agency will post all payments to your total loan amount.

Baby Steps to Planning the Perfect Baby Shower

When someone near and dear to you finds out they are expecting it is an exciting time. It makes sense that you want to throw them a baby shower. Given the fact that this is a big life event you want it to be perfect. It can all start to get a bit overwhelming. However, by taking your planning one step at a time you will be able to put together a beautiful and memorable event.

The first thing that you need to think about is who you are going to invite to the shower. You will want to first discuss this with the honoree, unless it is a surprise shower. Generally you are going to want to invite their close friends and family members. You will want to give some thought to whether this baby shower is going to involve men and women or if you are going to go for the traditional all female shower atmosphere. You will also want to decide whether you are going to allow the guests to bring a guest or not. Either is acceptable, and it really depends on both the mom to be's thoughts and yours as the host.

Once you have a guest list squared away that will give you an ideal of what type of location you are going to want to look at. Of course this will be somewhat dictated by both your budget and the size of your party. However, that should not really limit your choices as there are a variety of different locations that you can look at. You can look at a personal home like yours or the home of the expectant mother. You may also want to look at utilizing a local restaurant as a location, or perhaps you want to look at something a bit different like a tea house or a pottery painting boutique. Keep in mind the feel that you are going for when choosing your location, and of course never forget about the mom to be.

Obviously a baby shower is centered around the impending arrival of the new baby, but that does not mean that you cannot explore theme. The obvious choices are blue or pink for boys and girls respectively. However, you may want to look for something a bit different. Perhaps you want to center your shower around a little lamb or a teddy bear. Or maybe you want to theme it around an area of need for the mother to be. For example you could have a clothing shower or even a baby bootie shower.

You should tie your invitations into your overall theme to let your guests know what to expect with your shower. Be sure that you include all of the important details like the location, date, time, and RSVP date. You will also want to indicate where the mom to be is registered so that your guests know where to start shopping for her.

No party is complete without food and drink, and that is something that you must think about with your planning. Decide if you are looking to have a sit down meal or if you would rather stick with finger foods. Either option is fine. Additionally, you are going to want to have a variety of drinks available for your guests. Given the fact that you are doing a baby shower you might want to create a couple of non-alcoholic cocktails or provide a variety of bottled and flavored waters to your guests.

Tips to Help With Flat Hunting

We all know that flat hunting can be a stressful time and with the current state of the World economy more and more people are turning to renting as a viable short term solution. So I thought I would offer some tips on the best approach in finding places to rent. Renting a flat is something you can't take lightly this is why you should never make a snap decision, you should always think it through and weigh up the pros and cons and decide if the flat is right for you.

Do Your Research

Also do your research and always try and stick to your budget as you don't want to take a flat on that you can't really afford. This can have repercussions in the future as you would need to cut back on the essentials to meet your rent payments every month. Also if you want to share the cost of renting by getting a friend to move in with you then make sure you know if you could live with this person.

Viewing a Flat

Always make sure you go and see a flat in person don't send someone else on your behave and then make your decision based on what they have recommended I know this sounds silly but you would be surprised by how many people do this, perhaps due to this busy lifestyle. Always go with someone if this is not possible make sure you let someone know where you are and at what time.

Looks can be deceiving.

You need to be objective and see past the horrible décor that you may encounter. Try to imagine it with a nice coat of paint and without the current occupier's furniture. Always take a tape measure with you to make sure your furniture will fit. You don't want to take a flat on and find out that your couch makes the room too small. However don't base your whole decision just on the fact that your couch is to big, you can always buy another couch.

The Yin and Yang of Strokes

I was fascinated by the YouTube video of brain researcher Dr. Jill Bolte Taylor. She somehow managed to study her own stroke as it happened. She felt her brain functions slipping away one by one. First speech, movement and then understanding slipped away leaving her totally numbed by the experience.

Eight years later she has fully recovered and is giving talks about her experience. Her video on YouTube has to be seen to fully comprehend a disease that strikes fear into the heart of every adult over 40.

As a holistic energy worker, I have a distinct advantage over the average doctor confronted by a stroke. I can rely on a pair of clairvoyant eyes that goes by the name of Selvi Ratnam, a 42 year-old school teacher.

Selvi's clairvoyant ability began to blossom after her teenage years. She began to literally see things that ordinary people couldn't. She could see the colourful aura of a human being. To her, everyone appears like the colours of the rainbow. People who are sick would have very dark patches over their organs.

When this ability began to make its appearance, it dawned on Selvi that not everyone could see what she saw and she began to think that something was wrong with her.

Only when she met a Sufi master later on in her life was she aware of her clairvoyant ability.

Somewhere in my study shelves, I have over ten books written by a monk called Lobsang Rampa, a controversial Tibetan who in his last years of his life, was walking around in a white man's body through an ability known as transmigration.

One of the books was titled, The Third Eye. It is an account of how he endured an operation that opened up his third eye, the occult eye that can see beyond the pair of physical eyes.

When I eventually met Selvi during my healing journey, I was literally jumping with excitement at working with someone who could see beyond the physical human limits and perceive dimensions that was revealed in Lobsang's books.

My forte was kundalini and chakras and Selvi could see the awakening kundalini and the conditions of the chakras quite easily.

Selvi was introduced to me by Sehkar, a Reiki Master and eventually we began to work together at Paru Amma's holistic centre in Kajang, Malaysia before going on to Kelang to work as a team for close to five years.

During our aura reading sessions, Selvi would tell me what she saw and I would take notes on an aura chart. Eventually a pattern began to emerge. In most women, Selvi would see grey or darkness on the left side of her body. And she would see the same grey or darkness on the right side of a man's body.

Darkness in the aura indicates an absence of life force. And usually is the precursor of disease. When a person's aura is totally dark, disease or death is about to take place.

Yin refers to feminine energy which is more emotional in nature and refers to the left side of the body. And Yang refers to masculine energy which is more aggressive and refers to the right side of the body.

Every male or female has both Yin and Yang aspects. Though of course, we have seen men who are feminine in nature and we have seen females who behaved in a masculine manner.

The more emotionally distressed a woman was, the darker would be the left side of her body. It was the same for the man. If he was emotionally distressed, his left side would be very dark too.

In one particular case, we told one woman client in her early 30s that she had a very dark aura on her left side. And I asked whether she was experiencing any numbness.

Numbness is often one of the early signs of an oncoming stroke. She said that it was just beginning on her hand. I then asked about her emotional history and in the conversation that ensued, she admitted that she was sexually and emotionally abused when she was very young and she was still emotionally traumatized by that incident.

We managed to get her to begin a process known as emotional release and we ended it by asking her to forgive the perpetrator and to forgive herself for feeling guilty. As she did so, she felt a surge of energy moving up her left arm and Selvi could see darkness moving away to be replaced by the colour blue which indicates that health was returning to the arm.

As we continued to work on forgiving herself and her perpetrator, more darkness left her left side and a lovely blue and green aura appeared. By the end of that session, her aura reflected the beautiful colours of the rainbow. And the numbness had gone.

We normally find in our healing sessions that forgiveness is one of the most powerful healing tools available to us. Through the process of sincere forgiveness, surges of energy in the form of white light takes place allowing the affected part of the body to regain its normal life-force. This explains how the numbness or absence of life-force, went away.

The lady client was told that continuing to forgive the perpetrator was important. If she went back to the emotional spiral of pain and victimization, she would revert to her old pain body which would eventually result in darkness in her left or yin side of her body. Eventually, that would result in a stroke.

On the other hand, when Selvi sees someone who is very stressed out, who is always in a rush to get things done, or worried over business deadlines, or about the future, their aura on the right or yang side would be very dark - irrespective of whether that person is male or female.

It is quite common for most businessmen to have this kind of aura though the typical woman CEO or high achiever is also affected as well. Stress doesn't discriminate between genders. Both men and women are equally affected and succumb to stress.

In these type of cases, besides the emotional release process, we often advise these Type A ambitious personalities to take a break or to change their profession or to be more realistic about their goals. Being alive and healthy is preferable to being stressed out and a prime candidate for a stroke waiting to happen.

At the end of the day most corporate types are beginning to reassess their life goals and purpose. Chasing promotion or millions by living life in the fast lane cannot compensate for the debilitation of a stroke. There's an old saying, we ruin our health by chasing after money. Then we spend all that money to regain the health that we ruined.

So listen. Take time out, try and live as balanced a life as possible. Focus on the little things in life - listen to the sound of running water. Go bowling. Take up tai chi. Paint. Listen to music. Smile. Laugh. Play with your children. Plant flowers. Love yourself and love everyone. And you'll end up healthier and happier.

Another Original Article written by Andrew khor

How to Find Big Dental Discounts

Today we hear about the health care crisis in this country on almost a daily basis, what we don't hear is how there are far more people without dental coverage than health insurance. Politicians and companies are in a constant struggle to make health care more affordable but who is talking about how to find dental discounts. Now it's true that a dental emergency wont send you bankrupt, but it can easily run several thousand dollars and put a financial strain on a family.

Why do so many people go without dental insurance? I have found there are several answers to that question.

1. Insurance is expensive: Dental insurance for a family or even an individual can run a pretty chunk of change and there have been no real discount dental plans. For those of us who have a limited income we left choosing between rent & food of insurance.

2. Dental insurance has limits on the benefit: Almost all dental plans have a limit on the annual benefit, usually around $1,000 - $1,200 a year. After you go past the limit you are on your own and have to pay 100% out of your own pocket. If you have ever had much more than a simple exam and cleaning done you know that the bill can go past $1,200 real fast. I remember when I got my first job with a dental plan. I had to go in and get some work done and I felt pretty good. I had insurance! After the doctor looked at me the nurse came in and explained that I was going to use up my entire benefit and still would need to pay over $200. Afterward I told friends about my experience and found out that is just the way dental insurance is.

3. Dental insurance doesn't cover anything "Cosmetic": To most people one of the most important parts of dental care is keeping a nice smile. Insurance wont touch anything they can consider "cosmetic." When I was young my sister had to have two teeth pulled. The dentist said that if they were left she would develop gum problems Still the insurance called it cosmetic and my parents got to pay 100%.

4. People don't feel the immediate need: People, especially young people often don't feel the immediate need to get dental insurance. They figure that they have good teeth and wont have a big need very soon so it would be cheaper to pay for that one visit in several years than pay the monthly premiums every month. The sad thing is with what we covered in the previous points this may be true.

Whatever the reason is that keeps people from buying dental insurance the result is the same. There is a large percentage of Americans that don't get regular check ups and cleanings. These people don't have the money and can't find dental discounts so they wait until they are in pain before going into the dentist. By this time the treatment needed is much bigger and much more expensive.

Pain, more treatment and higher cost are the short-term downsides to putting of dentist visit, but the biggest down side is the long-term effect. By the time we are in our 40's and 50's the years of neglect lead to much bigger problems. Our teeth start to crumble and all we can do is get dentures, implants or caps put on. Now we are into really big money.

Using Body Mapping To Flag Workers Ill Health

Last month's European Health and Safety Week saw renewed promotion of a technique for flagging up workers' health problems, especially musculoskeletal disorders (MSDs), that has been used successfully by trade unions since the mid 1990s. It's a simple, usually pictorial approach that can work particularly well with people whose first language is not English and has the rare distinction of giving employees some entertainment in a health and safety exercise.

The technique is 'body mapping' - a technique developed in the 1970s at Nottingham University and pioneered by unions in Spain, the United States and Mexico to encourage workers to report ill-health symptoms. By 1996, bodymapping was at the top of the Canadian union movement's safety agenda and five years later unions in this country were actively promoting it.

The technique involves workers creating a 'body map' of health problems by sticking flags on an outline diagram of the human body to indicate any areas where they are experiencing pain or discomfort. Employers can then use this information to identify trends, analyse work processes and put in place measures to reduce hazards before workers' health is damaged.

Ouch! stickers

The effects of the working environment on workers' health are difficult to establish: workers often dismiss minor health problems as insignificant or unrelated to their jobs, so it can take some time to make a link between the symptom and the workplace. Other workers may be reluctant to self-report for fear of losing their jobs (see Please speak up).

The thinking behind body mapping is that if workers doing a job pool information about any health problem they are experiencing - regardless of whether they think it is caused by their work - patterns can emerge that might otherwise go undetected.

There are various different approaches to body mapping. The simplest model might use two large outlines of the human body - front and back views - on which workers mark (using stickers or a pen) any areas they are feeling soreness or pain that might be attributable to work. Colour-coding can be used to indicate levels of pain or different types of symptom, for example, physical discomfort, stress/anxiety and ongoing issues such as reproductive problems. In some exercises, workers might be asked to add notes to the diagrams explaining why they have flagged up an area.

There are numerous variations on the technique. A task-based approach helps to link the body mapping closely to the work: a worker mimes a particular operation and the others apply stickers ('ouch! stickers') to their colleague's body to identify problem areas and symptoms.

Whatever the details of the exercise, a common requirement is that workers in a body-mapping session should be doing the same or very similar jobs, otherwise the results won't be meaningful.

'The best body-mapping sessions are where you get a group of workers together - who do a similar kind of work - for an hour and a half, or two hours even, and get them to talk through the exercise together,' says Doug Russell, health and safety officer at the Union of Shop, Distributive and Allied Workers (Usdaw). 'Because it's by talking to each other that the ideas come out.'

Different jobs will generate different 'maps'. A body map by a group of drivers might be expected to show clusters of flags around the lower back area (as a result of extended periods of sitting or poor driving position or posture), the legs and wrist (from pedal use and gear changes) and stomach (as a result of digestive problems caused by inadequate or irregular meal breaks). A body map for a group of office workers might show clusters around the wrists, shoulders and neck (as a result of DSE use or stress) or around the eyes (indicating eye strain from prolonged screen work).

Armed with this straightforward, graphical information, the employer or safety manager can take action, whether it be training, changes to work patterns or processes, or a review of the equipment in use.

Keeping it simple

Workers usually know their jobs and the associated risks better than anyone else, but they may lack the opportunity or inclination to discuss concerns with each other or their managers. For the beleaguered safety manager trying to encourage workers to take an interest in, and responsibility for, their own and their colleagues' safety and health, body mapping can be a useful tool. It can promote awareness of health and safety risks and lead to workers thinking of ways they can help control risks and prevent injuries.

'Central to the exercise is drawing on people's experience and doing it in a collective way,' explains Russell. 'It helps people to identify the aches and pains that might well be work-related because more than one person is concerned. People often tend to think it's just them getting old or them being a bit unfit. But when you actually get them all together and they all say that working on that particular machine or working on that particular checkout is causing them aches and pains in the shoulder, you can see that there's something there and start to try to figure out what it is.

'Not only can workers identify the issues, they can often identify the practical solutions as well.'

A key appeal of the method is its simplicity. 'It's a relatively straightforward way to gather information about aches and pains, cuts, bumps, bruises, headaches, eyestrain - a whole wide range of potential occupational health issues,' confirms Phil Madelin, national health and safety officer at the Public and Commercial Services Union (PCS). 'One way that it works very well is if you couple it with an awareness-raising exercise. I quite often recommend it to people as part of a range of inspection techniques in workplaces.'

Workers' playtime

Another feature of the technique is that it can be fun. If health and safety has an image problem, then an interactive group session with a handful of felt-tip pens and life-size human outlines can go a surprisingly long way to changing workers' perceptions. Madelin suggests one way of carrying out a body-mapping exercise would be during the tea break of a safety meeting, so workers can participate in an informal way.

As a largely visual exercise, body mapping has the advantage that it overcomes literacy issues and language barriers. Concerns about protecting the welfare of migrant workers usually focus on communicating safety information to protect them from dangerous situations. Longer-term health issues among migrant workers are a more complicated matter. 'With body mapping, you don't actually have to be able to read or write to show where you're having aches and pains,' notes Mike Gray, head of the ergonomics team at the HSE.

Biased picture

It's important to understand the limitations of the technique before you start. Madelin warns that body mapping is a 'first step' in identifying potential occupational health risks, but it's not the panacea.

'It's not scientific,' he stresses. 'Just because you've got a lot of people reporting the same symptoms, that doesn't automatically mean work must be causing it. It's quite possible to have a whole number of people reporting the same sort of ache, pain or strain for a variety of completely non-work-related reasons. So the results have to be interpreted with some caution.'

What body mapping does do, Madelin argues, is to encourage safety reps, employers and employees to think beyond physical hazards - trailing wires, worn carpets, objects stored precariously at height - to less-visible and often neglected health issues, such as repetitive strain injury caused by excessive hours in front of a PC.

To what extent the information reported remains private to the individual depends on the approach. A group session will require workers to be open about health concerns in front of colleagues, which some employees may find intrusive. An informal exercise that takes place in a meeting might be more anonymous, especially if workers don't have to put their names by their responses. For complete anonymity, individual maps can be circulated for workers to complete and the responses collated.

This survey-type approach removes the opportunity for open discussion, but it has its advantages. 'A set of questions to go alongside the tool has been developed,' explains Mike Gray, 'to try to standardise the things people are describing.'

These questions are based on the Nordic musculoskeletal questionnaire. Some experts believe they help focus employees' answers and provide more useful information by requiring respondents to indicate - using tick-boxes - how recently they have experienced the pain, whether the pain has prevented them carrying out normal activities and whether the pain seems to be unrelated to work, made worse by work or caused by work.

'I think the way it should be used is to monitor the effectiveness of interventions,' says Gray, follow-up surveys will indicate whether measures introduced to reduce MSD problems, for example, have been successful. What is important though, he cautions, is that a lot of people fill it in. 'If it's just the people who are moaning anyway, you start to get a biased picture of what's going on,' he explains.

10 years on

More than a decade after it started to catch the imagination of safety campaigners in North America and the UK, body mapping has had some notable successes (see boxes) and Gray says the HSE encourages employers to try it, especially with 'problematic jobs'.

'The biggest barrier to body mapping is the logistics of getting people to spend some time away from work to do it,' says Usdaw's Russell. 'But it has certainly worked in sectors where it's been trialled.'

Where it has been difficult to get workers together to carry out an exercise, Russell has used questionnaires and informal surveys instead. 'But they don't work as well,' he believes, 'because you don't get the interchange of information between the different people.'

Phil Madelin likens the technique to the HSE's stress indicator tool, 'which is 35 questions getting people's subjective views on a situation, yet highlights areas for further investigation'.

'I think employers should be as prepared to respond to indicators from body mapping as they are to any other indicators of a potential health and safety crisis,' he says. 'But what I wouldn't want is to see safety reps going in, waving a body map and saying, 'You've got an RSI problem - you've got to sort it out.'

'What I would expect a safety rep to do is to say, 'We conducted this exercise, it highlighted a number of people complaining of these sorts of potential occupational health issues. Obviously we're not saying they all are linked to work, but we think it merits further investigation. How can we work together?''

As part of 2007's European Health and Safety Week campaign on MSDs, the TUC and HSE produced a body-mapping tool that takes the form of a questionnaire (as described above).


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