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    The Origins Of Alternative Medicine

     

    The origins of alternative medicine, also known as holistic medicine, can be traced back thousands of years to the very roots of medicine. Many millennia ago, physicians or healers would assess the sick person’s emotional condition in addition to their physical symptoms before beginning treatment. The roots of alternative medicine deal with the symptoms of the “whole” person, not merely the physical signs of illness. This is radically different from traditional medicine today. In medicine today, people demand to be cured immediately, and the demand for medicines and treatments that do so is very high. Most physicians today are trained to assess physical symptoms and base treatments on that, without much consideration of the person’s emotional or intellectual state. Since its inception, alternative medicine has survived the ages and stages of the field of medicine. Despite the prevalence of modern medical practices, there are still millions of people worldwide that take advantage of alternative treatments for ailments or well being. Some of these alternative treatments include massage therapy, herbal remedies, and meditation. Massage is one of the most long standing forms of alternative treatment, and it is highly popular today as a treatment for aches and pains, and as a means of stress release and relaxation. Most people probably don’t even think about massage as a type of alternative medicine. Through the ages, every society has used their own forms of alternative medicines and treatments. There is over 5000 years of history and many types of treatments that were used far and wide, and many traditional medical treatments can even find their roots in alternative medicine from long ago. Long ago in Europe, medical issues were treated by one of two types of healers, the physicians or the folk healers. The folk healers appealed to the poorer factions of society, in that they used natural treatments that were more affordable and easier to come by. Folk healers were often highly respected in these underprivileged sections of society. Folk healers often incorporated philosophy and religious faith into their healing practices, which helped to strengthen a sick person’s mind and spirit, as well as his body. Eventually, folk medicine evolved into the traditional medicine we are familiar with in today’s world. With each passing century, many great advances have been made in treatments and cures for various diseases and conditions. Despite the dominance of traditional medicine in the world today, there is still a place for alternative medicine. It is alive and well, and used by many people around the world through massage therapy, acupuncture, aromatherapy, herbal remedies, meditation, and many other forms of alternative treatments. Many physicians now support many of these treatments, making them less alternative. The origins of alternative medicine were very forward thinking. Alternative medicine has survived through the millennia because it has real validity, despite a great deal of ridicule through the ages. Though they do not have the immediate effect that many drugs and treatments of traditional medicine, they are a feasible option for a person to consider.



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    Men Paid Love And Upscale Escorts

     

    Why would they pay such high price for an upscale escort?? Many people feel lonely, they spend so much time working that when they stop they feel empty. This not only applies for men, women have the same issue. Think about the past, courtesans were there for the most privileged men, It was usually their with and personality that set them apart from the regular women. Dynasty Queens Central Florida escorts agency offers Private courtesan services: South Florida Escorts | Upscale Miami Escorts We are a distinguished Florida escort agency that offers high class companionship ladies to successful businessmen, whose business dealings bring them to Central Florida or South Florida alone and thus wish to have a companion for their multiple outings, such as dining at a fine restaurant, site seeing the most interesting places in town, or simply want to spend some enjoyable time with the company of a gorgeous and refined lady. International Escort Date Services Escorts Dynasty Queens is one of real dating agencies whose chief purpose is to make our international customers feel extra pampered and satisfied with the company of our high class female escorts in Miami, Fla. Any of our escort girls is available for travel throughout Florida or the world International high class escorts We have in our team the most sophisticated, high class international companions. They all meet our high standard requirements and rigurous policy. Our escorts models are not only the sexiest and most beautiful, they are also educated and smart. Our ladies are well groomed, cultured and refined International upscale escort agency yes, courtesans (upscale escorts) have always been there and paid love is just another part of our society, another part of our hectic lifestyle



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    History Of Hypnosis

     

    The use of hypnosis as a therapeutic tool is as old as man himself. As far as can be traced back through time, we can find records of hypnosis being used to heal and to make change. Hypnosis has been used under many different names down through the centuries and the use of hypnosis for healing can be traced back to around 3000 BC in Egypt. Both the new and old testaments of the Bible speak of what could be deemed to be hypnosis, and the ancient Greeks and Romans had sleep temples where those seeking healing would be put into a trance like sleep. Their dreams, would be interpreted by the priests. By rhythmic drumming and monotonous chanting together with eye fixation, the Shaman of today can still produce catalepsy of the body and this helps to give the shaman the appearance of having magical powers just as they have done for centuries. Much of what has been done in the past by the village witchdoctor, shaman or wise woman, can be attributed to the fostering of a strong belief, conviction, expectation and imagination in the one being healed, and the chanting and singing often takes the form of what we would term as suggestion. After all, if the most powerful and magic person you know tells you will become well, you are very likely to do just that. Of course in many cases where such an individual administered to a sick person they would have recovered eventually anyway and this intervention just speeded up the healing process. It has long been believed by many healers that body, thoughts and emotions can influence one another. Therefore it is possible to influence a physical sickness by working on and realizing particular emotions and by changing thoughts and behavioural patterns. The Romans said ‘MENS SANA IN CORPORE SANO’, healthy mind in healthy body. This saying seems to confirm that for many centuries it has been believed that physical and emotional well being have an effect on one another. To put this in perspective, only has to consider how our health declines after periods of stress or as a consequence of radical events. The division between body and mind in medicine is something that only took place around 1750, with the scientific developments from Newton. Since then the mind and spirit have been considered to be under the jurisdiction of the church and the body under the jurisdiction of science. This is also the reason why all other kinds of medicine see the human being as a whole consisting of body, mind and soul. Traumatic experiences are not only stored on an emotional level but also on the physical level. The emotional charge of the different traumas can influence our immune system and health conditions. Through processing old traumas and the emotional charges that are connected to a certain sickness it is possible to find resources inside of us that could help us start the healing process. Modern hypnosis began with Anton Mesmer (1734 – 1815) in the 18th Century. Mesmer was a medical graduate from the famed medical school of Vienna and after studying as a Jesuit priest, he became interested in magnetism. Mesmer became Europe’s foremost expert at magnetic healing, where magnets where passed over the body to effect a healing. His results where fabulous and so he became very famous. Mesmer believed all living things contained a kind of magnetic ‘fluid’ and if a person had enough of this fluid, they would be healthy. This is where the term ‘Animal Magnetism’ comes from. Mesmer forgot his magnets one day and so just made passes over the patient with his hands and was surprised to find that they got better. From there on, he thought he had sufficient magnetic fluid in himself top effect the cures. James Braid (1795 1860) coined the terms ‘hypnotism’ and ‘hypnosis, in 1843. He was a Scottish surgeon working in Manchester. He found that some people could go into a trance if there eyes where fixated on a bright object like a pocket watch for instance. He believed that a neurological process was involved and that the process could be very useful when no organic origin could be found for a persons disorder. James Esdaile (1808 1859) another Scottish surgeon working in India would use ey fixation to prepare a patient for surgery and slow sweeping motions, putting them into a deep hypnotic sleep, causing full amnesia throughout the body. James Braid and James Esdaile where among the first who could be called ‘scientific’ in their research and use of hypnosis. These pioneers removed hypnosis from the realms of ‘mysticism’, and started experimenting with what could really be done with it to help people with their disorders. Other scientific pioneers include, Liebeault, Bernheim, Brewer and Freud. Unfortunately the great man himself, Freud, was responsible for hypnotherapy being shelved by many for some time when he abandoned it’s use. Amongst those individuals who have been fundamental to the current view of hypnosis are: Milton Erikson, Ormond McGill, Charles Tebbetts and Dave Elman. Ormond McGill was, it is true a stage hypnotist, but he preserved the public interest in hypnosis, but then the great Charles Tebbetts was involved in stage hypnosis in the early part of his career, but these where different times to those we live in today and the stage hypnosis would prove to engender a desire to know more about this curious art and therefore bring many of the people who moved the therapeutic use of hypnotherapy forward through the last (20th) century. Dave Elman brought some measure of acceptance to hypnosis from the medical profession in the USA when the Council on Medical health of the American Medical Association accepted the use of hypnotherapy in 1958. Probably the most important contributor to the acceptance of hypnotherapy as both an art and a science, was the grandfather of hypnotherapy – Dr Milton Erikson. Dr Erikson was a psychiatrist and hypnotherapist with outstanding professional credentials and because of his solid medical background he had credibility within the medical profession. Other people worthy of note for their contribution to the advancement of hypnotherapy as a healing art and as a science in the 20th century are: Rosen, Abramson, Menninger, Shenek, Magonet, Wolberg, LeCron, Bordeaux, Wetzenhoffer, Erwin and Simonton, who continues to do amazing things with cancer patients using mental imagery and focusing on beliefs and belief systems amongst other things. What is Hypnotherapy Hypnotherapy is the application of therapy during hypnosis, to change or modify behaviour patterns that we wish to change, such as the compulsion to smoke, gamble, drink etc. It can help in the cure of phobias such as the fear of spiders/insects, fear of flying, fear of thunder and lightning, fear of injections etc. It can help with motivation, confidence building, reducing stress and can be very effective in pain control. Hypnotherapy deals with Psychosomatic problems that is, problems of the mind that are rooted in and controlled by the subconscious mind. We always do what our subconscious mind tells us even if it goes against reason and logic. Hypnotherapy therefore, bypasses the conscious mind to allow the positive life affirming suggestions for change, of our own choosing, to be fed to our subconscious mind directly, for us to act upon. Hypnotherapy, and more precisely, hypnotic suggestions, have a cumulative effect, so over time there is a build up of suggestions being reinforced in the subconscious mind that it will act upon, and will do so more rapidly than if you were feeding the suggestions to your conscious mind. For problems where a causal event or events may exist in the past, hypnoanalysis is used initially in order to find the sensitising event or events and release the emotion and motor actions associated with them, thus freeing the individual from the grasp of an outdated and obsolete (possibly never really needed at all) thought pattern and/or conditioning. Following this, healing suggestions and Neuro Linguistic Programming (NLP) are used to build on the individuals desire for change to strengthen and support forward movement into a positive future. Hypnotherapists do not control your mind! Hypnotherapy empowers you to take control of your mental resources to bring about the changes you want. You are always in control during hypnosis and hypnotherapy, and the therapist cannot make you do anything against your will, or that is not within you as an individual to do. With a little work a good therapist and a good client who wishes to make changes and is motivated to, will be able to achieve success in about 95% of cases. Who can be hypnotised? I would say that virtually everyone can be hypnotised if they have a good therapist and wish to cooperate with them in order to work on the problem with which they are presenting. What does hypnosis feel like? I know how it feels to me, but it feels different to some people than to others. I would explain it as a relaxed easy feeling and a heightened state of awareness. Sometimes you may be prone to drift away for a while just like day dreaming, and you might just as easily be concentrating on your therapist’s voice. Your good therapist will ensure you get the very best from your hypnotherapy session and will guide you in everything you need to know. Hypnotherapy can help to address many problems including: Fear of FlyingFear of Crowds Lack of ConfidenceStress Issues Low Self EsteemFear of Heights Panic AttacksExam Nerves Driving Test NervesSmoking Weight LossNail Biting Relationship & SexualTinnitus Stop Smoking IBS Stress Anxiety Hypnotherapy is not magic but it sometimes seems magical!



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    Download Free Iphone Theme

     

    The popularity of the Iphone means that you can download themes for it from many different sites and also you can even download Iphone themes for other kinds of cellphones, and even websites if you are a wordpress user. Your Iphone is one of the most advanced media devices the world has yet seen, with the ability to watch movies, listen to music, surf the web and of course make phone calls, it seems like Apple's research and design department put in some overtime on this one. Even if you aren't an Apple or iPod fan, the Iphone is very hard not to like. Why wouldn't anyone want to have their entire music collection and full internet access on their cellphone? Sadly though, stocks of the Iphone are low due to the sheer popularity of it, so it means many of us will have to wait a while before we can own one. All is not lost though, as you are still able to download Iphone themes for your average Nokia and Motorola phones. If you are lucky enough to obtain an Iphone, you can download something known as a “hack toolkit” which allows you to get into the firmware etc of the Iphone, and change it's theme around etc. You'll find that the themes are available at many different places around the net. When you are looking for places to download themes from, the biggest problem is finding a site you can trust. While it can be dangerous to your computer and your Iphone, due to the nature of the files downloading a theme is generally much safer than downloading a new game or movie etc, especially if you are using a shady P2P site, as P2P sites are known for their lack of safety for users. Having said that, it's very important to be careful and keep your antivirus updated, as shady hackers and users of torrent sites can use fake downloads as a way to make you download trojan software or other things that will open the backdoor of your computer system. This can cause endless problems, it can even ill your computer so it's really worth making sure your antivirus software can keep you safe. If you are smart and use your common sense about what you download and where you download it from, downloading Iphone themes can safe and fun.



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    Search Engine Copywriting

     

    Search engine copywriting Search engine copywriting is a field that continues to develop each and every day. Copywriting as a field continues to grow but this particular niche is growing at a much faster rate than the overall field. As the Internet continues to grow, more and more companies are relying up on the Internet for a higher percentage of sales. This will ensure that search engine copywriting will continue to be in demand. To give a general background on search engine copywriting, we must first look at why this field is growing so rapidly. The number of searches that are done on the Internet is in the hundreds of billions annually. The way that most people are able to get to a website these days is through search engines. It is much harder for your website to be highly ranked without being optimized for search engines. The number of pages on the Internet has grown to over 4 billion so increasing importance has been placed upon the fact that your webpage is easy to search and is indexed by search engines. If this is not done, you will find that you will not have the sales results that you would like from the Internet. You are able to buy traffic to come to your website but you will find that you are missing out on an important piece of the sales pie by not focusing on organic traffic. This traffic can often be more highly concentrated and better leads for you then can traffic that you buy to send to your website. To get your website indexed within the search engines, you must have original content that is in high demand. Search engines index web pages by sending their search bots through these different web pages. The search bots are looking for many different factors but the key is that your writing on certain topics and at the information is valuable. The information must be valuable both to the search bots so that they index you as well as when people were searching for your information. Search engine copywriting companies play an important part in this role because they can help develop your website to be optimized for search engines as well as convert traffic into sales. While it is important for you to get traffic, the key is also to make sure that this traffic can turn into dollars in your pocket. Search engine copywriting is a growing field which demands that you must have knowledge of how the Internet works as well as great copywriting skills. If you are able to provide both of these skills, you will be able to write your own paycheck. If you want to learn more about search engine copywriting, search on the Internet under the terms "SEO tutorials." This can give you a great deal more information as far as what search engines look for and how different search engine copywriting firms operate. There is a great deal of competition in this field today so if you're interested, there is a great demand for your services.



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    Natural Eczema Treatment Provides Relief Without Side Effects

     

    The National Institutes of Health estimates that more than 15 million Americans have symptoms of atopic dermatitis otherwise known as eczema. Although there are several different types of eczema, atopic dermatitis is a chronic skin disease characterized by inflamed and itchy skin. According to the NIH, health insurance companies pay out over $1 billion in medical care costs for eczema treatment every year. Considering how many Americans are uninsured or underinsured, the actual cost for eczema care is likely much higher. Causes of Eczema Unfortunately, the specific cause of eczema is unknown, but according to the NIH, "the disease seems to result from a combination of genetic (hereditary) and environmental factors." It appears that allergies and immune system disorders are associated with eczema, and that stress can cause eczema outbreaks in people who have inherited the tendency for the condition. Environmental irritants that can trigger or exacerbate outbreaks include dust, cigarette smoke, wool or synthetic clothing fibers, soaps, cosmetics, and household chemicals. Infantile Eczema According to the NIH, "Scientists estimate the 65 percent of patients develop symptoms in the first year of life, and 90 percent develop symptoms before the age of five." In other words, infant eczema is much more prevalent than adult onset eczema. Moreover, about 60 percent of those with baby eczema will continue to have symptoms of the condition into adulthood. Eczema Treatments Unfortunately, there is no known cure for eczema, and there are concerns about using standard medical treatments for infants and children. According to the NIH, the two goals of eczema treatment are preventing outbreaks and healing the skin. Doctors sometimes prescribe immuno modulators that come in ointment or cream form, but these cannot be used in children under two years of age. In addition, unwanted side effects like burning or itching can occur. A wide range of other mediations is also used to treat the condition, including antihistamines, immuno suppressants, and antibiotics (to treat skin infections). Most commonly, corticosteroids are prescribed, either as a cream or a pill. This class of medications is problematic for a number of reasons, notably that long term use can have serious and life threatening side effects. Home Relief for Itching with Eczema As an alternative to medications that are rife with side effects, there are all natural eczema treatments on the market that can stop the itching, re hydrate the skin, and promote healing. For example, eczema bath salts use natural essential oils with healing properties that also condition the skin, soothe itching, and stop oozing. Parents are embracing these natural treatments because they are not harmful to children, help to prevent the infections caused by scratching, and turn the nightmare of bath time into a welcome respite. Those who suffer from hand eczema or a rash on other parts of the body can turn to a number of remedies, but a natural eczema treatment provides an inexpensive, safe alternative to prescription medications.



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    Free Self Help Article

     

    This a free self help article with ways to motivate you to take the steps you have been meaning to take but have put off for whatever reasons. Lets face it no one is going to come to your door and give you a million dollars. Whatever you want in life you are going to have to go out and get. Life gives you what you ask for. What are you missing in your life? Write down a list of things you want but do not have yet. Be specific, and be sure why you want those things. Next take out the ones which maybe self destructive and the ones that maybe self destructive to others. Next describe in detail how you would feel if you were to receive those things you wanted. For example, if you wrote you wanted a brand new Mercedes Benz get into more detail. What color? What model? What would the inside smell like? What would be the first CD you would play in your new Mercedes Benz? Who would you show your car to first? So you would write something like this: My new Mercedes Benz would be a black on black CLK 500. I would blast my Rolling Stones Greatest Hits CD first. All of my friends from work would be the first to see my new black on black Mercedes. Go through this process for each thing you want but do not have. After you have completed your list, read it out loud once a day. As you are reading it out loud actually imagine yourself already having your item on the list. Doing this on a consist basis will not make the items on your list pop out of no where. What it will do is give you the drive to go out and get the things on the list. If you cannot afford them you will start to think of ways you can afford them. Hopefully this free self help article helped out somewhat. Your mind gives you whatever results you ask of it. Whatever you truly think of yourself your mind will help that visualization come true. So it is best to fill your thoughts with upbeat and positive thoughts.



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    It S No Sugar Shack

     

    It's a tradition now at the Westin St. Francis in San Francisco. Executive Pastry Chef, Jean Franзois Houdrй, aka "King of the Castle," is diligently working day and night perfecting his signature 12 feet rotating holiday Sugar Castle, to be unveiled in the Tower Lobby of The Westin St. Francis on Friday, November 23. "The creation of the Sugar Castle is truly a labor of love," says Chef Houdrй. "Each year, I begin working on it two months in advance, adding more special touches and details each time. This year's version promises to be the best yet!" The inspiration to create this one of a kind, grandiose Sugar Castle came from Chef Houdrй's trip to Europe with his family in 2005. While traveling around Bordeaux, the Houdrй family visited many remarkable chвteaux, particularly Mont Saint Michel and La Citй de Carcassonne, which is one of Europe's most complete examples of a fortified abbey. As the Houdrй family toured these extravagant castles, his son Henri, age ten, and his daughter, Claudia, age eight, were able to experience an earlier time when royalty once occupied these magnificent castles centuries ago. From that experience, the children were able to convince their father that he must build a sugar castle at The Westin St. Francis to rival the royal castles in France and display it for children to visit during the holiday season. Resembling a French Chateau from Chef Houdre's hometown of Bordeaux, the 100% edible castle is made of pastillage (a combination of powdered sugar, egg whites and gelatin dough), gingerbread, sugar, molasses, flour and candy. Weighing over 1200 pounds, this magical castle features more than 20 grand circular towers, approximately 30 rooms, illuminated windows, and is surrounded by a quaint village and a running train. The castle is entirely edible, and is comprised of: 70 pounds of gingerbread, 130 pounds of pastillage (Powder sugar egg white and gelatin dough), 40 pounds of pulled and bubble sugar, Royal icing made of 300 pounds of sugar and egg whites, 40 pounds of molasses, 60 pounds of flour and 100 pounds of assorted Christmas Candy. It takes approximately 360 hours to complete the holiday masterpiece. Opened more than a century ago on March 21, 1904, The Westin St. Francis is the only hotel located on San Francisco's famous Union Square, The Westin St. Francis is just steps from The City's best shopping, dining, theatres and art galleries. For reservations and more information, visit . westinfrancis. com.



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    8 Tips To Revitalize Your Marriage

     

    Do you remember when you used to dream about how wonderful it would be to get married? Of course, marriage is wonderful...but not all of the time. There will be times when marriage will seem like hard work, and there may even be times when leaving will look like a nice option. Marriage can have it's ups and downs and a successful mariage is only possible if both parties are prepared to work at it. Love must be nutured if they want to keep it from going stale. Has your marriage gone stale? Have you stopped spending the time that is necessary to cultivate a relationship that is fulfilling? If this is the case read on. Here are 8 tips that could help make your marriage go from boring to infinitely fascinating. 1. Forgive. Disagreements are only natural in any relationship. Wherever their are two people living in close proximity there are bound to be times when they disagree. Learning to forgive and not hold grudges is vital if they are to prevent bitterness from seeping in and souring things. People make mistakes and do stupid things. We need to be quick to say sorry, and quick to forgive. Married couples must never harbor grudges. Besides, harbouring grudges solves nothing. 2.Be respectful and honesty with one another. Don't take one another for granted. Learn to say thank you. Express your appreciation for the things your spouse does for you. Tell the truth. If there is a problem talk about it, don't bottle it up. Couples who face their problems and talk things through are the ones that are most likely to build a strong, loving relationships. 3. Remember to laugh often. The daily grind of life can make everything seem like a chore. A married couple should take time to share jokes and other crazy antics to decrease tension. Remember, laughter is healing. 4. Communicate. It may seem obvious, but good communication is the key to a fulfilling relationship. Don't let things fester. If the wife is feeling upset by something her husband has said or done she should tell him right away, she shouldn't assume that he will guess what is wrong. What may be obvious to her, may not be obvious to him! Husbands too need to be more forthcoming in sharing what is on their minds. Good communication is vital. 5. Decide together. It is important that couples make joint decisions on things like finances, children's education and upbringing, delegation of household chores, etc. One must not be superior over the other. If you can't reach agreement straight away, leave it for a while and come back to it again later. If there is still a stale mate, be prepared to given in to your spouse. Take turns in giving in to one another. Marriage isn't a competition 6. Don't forget the simple, small things. Husbands need to remember to compliment their wives. Don't forget to praise her for a job well done. Buy her flowers. Take her out for a romantic meal. Tell her how beautiful she is. Make her feel like she is your princess. Wives, should also be attentive to their husband's needs. Enjoy each other's company. Showing affection one for another is essential. 7. Stay in love Nurture your love for one another. Enjoy every new discovery and every new day with your spouse. 8. Stay intimate. Intimacy is only able to grow in a marriage where their is a strong commitment to one another. Learn to be honest with one another about what turns you on and what turns you off. The sexual side of marriage needn't wane. Greater knowledge of your spouse and deeper affection, should make love making a celebration of your life together. Make time to be intimate. Being married is not always easy. Especially in our society where so many marriages fail. But as long as both partners know that they have each other to hold on to, it should be a rewarding relationship. Be there for each other, “for richer or poorer, in sickness and health, and til death do us part”.



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    Five Keys To Overcoming Bad Debt Management

     

    Bad debt management is at an all time high. More people are having more financial problems than ever before. Bankruptcy is at an all time high. Financial stress is tearing families apart. Many people think debt consolidation is the answer to all their financial problems. Just think… you get one loan to pay off all your debts. Then, you only have to deal with one company and one payment. You have to admit, it sounds very good. However, getting a debt consolidation loan will not likely resolve existing financial problems until or unless one learns how to manage their debts. Financial abuse can get out of control. It can become additive just like drugs or alcohol. Often, financial mismanagement occurs because of lack of understanding. Some blame easy credit as the source of their problems. Although it is easy to obtain easy credit, that does not determine how people choose to spend their money. Financial responsibility and accountability is the path to a debt free life. Bankruptcy causes more stress, wipes out your credit and haunts you for years to come. With determination, education and application of correct money principles, you can regain control of your financial life and quickly get on the road to a debt free life. Five Debt Management Keys to Success Managing ones debt is critical. Debt management teaches you how to handle your personal finances. Here are five important principles to use in learning how to best manage your finances. 1. Meet with a Reputable Debt Management Counselor Sometimes we can’t see the forest for the trees. This idea is particularly true with respect to our personal finances. Getting an outside, objective view of your current financial status is very important. A good debt management counselor will review your current financial circumstances and help you develop a plan to pay off your debts. You can expect honest and frank feedback. Anything less would not help you. Your relationship with a debt counselor is important. If you feel at ease in talking, you’re more likely to openly discuss your needs and personal problems. However, keep in mind that you probably won’t like everything you hear. Nevertheless, when you know he/she has your best interest at heart, you’re more likely to follow the advice you get. You should talk with several different counselors. Learn as much as you can. Find someone that really listens. If possible, talk with someone that has worked with the counselor. Get information on what the counselor has done to help other people. Don’t be afraid to ask specific questions: What will the counselor will do? What will you be expected to do? How much it will cost? How long will it take? Once you’ve found a good debt management counselor with a proven track record, commit yourself to listening to and applying the advice you receive. 2. Make Debt Reduction as a Priority Every debt is different. You have different amounts to pay. The interest rates vary. It may not make any difference on how you decide to tackle your debt. The most important point is that you focus on paying off your debt. Once you’ve gotten some good advice from a debt management counselor, together you can determine the best way to pay off your debts. You should feel good about your financial plan. Each time you pay off a debt, you will feel better. Each time you pay a debt, you are one step closer to financial freedom. Make paying off your debts the biggest priority and you will soon be on the road to a debt free life. 3. Follow Your Budget Plan One major key to success in debt management is establishing and following a budget. Your budget should allow you enough money to pay your debts and still have your necessary living expenses. The closer you follow your budget, the more likely you will succeed in becoming debt free. Success comes by consistently paying your debts. If you pay your debts first, then you know exactly how much money you have to live on. Be sure to record and document each transaction. It doesn’t matter what method you use to keep track of your payments. You can write them in a checkbook ledger, put money in envelopes for each budget category or enter each transaction into a computer program. The real key is to know exactly how much you spend in each of your allocated budget categories. When you’ve spent all the money for a given category, you’re done for the month. 4. Tear Up All Your Credit Cards One of the biggest reasons people accumulate so much debt is the use of credit cards. It’s easy to charge something. You don’t have to pay cash. It’s like the old saying “Out of sight, Out of mind”. If you don’t see the money going out, you’re not as aware of you spending. Your debt management counselor has many more resources than you do. They can make financial arrangements with your creditors to lower your payments and interest rate. In most cases, you will have to agree not to accumulate any more debt. Tearing up your credit cards takes away the temptation to increase your debt. It’s easy to say something doesn’t cost that much, so a little charge here and there won’t hurt. Don’t deceive yourself. That’s how people get into financial problems in the first place… Get rid of the credit cards. Pay cash or pay nothing. 5. Become More Conscious of Your Expenditures When you become acutely aware of where your money goes, you can begin to reduce or eliminate unnecessary expenditures. You’ll begin to develop new and improved spending habits. Ask yourself. What is my most expensive bill? Is it heating? Is it air conditioning? Is it water? Next, become aware of what you do each day. Do you leave the lights on when you leave a room? What do you do when you leave the house for several hours? You may think that turning down the heat or turning up the air doesn’t save much. That is true. Nevertheless, if you do it everyday, those little savings begin to add up. Just think of it as your personal savings plan. The less you pay, the more you have to spend in other places. Small expenditure reductions over time add up to big savings. Become more conscious of where your money is going. Learning and applying good debt management skills will make all the difference in your life. Once you have paid off your debts, you’ll be in total control again. You’ll never want to repeat the experience again. Say goodbye to bad debt management forever.



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    Credit Card Incentives And Choosing The Best Credit Card

     

    It is a well known fact that there are many different credit cards available today. In order to pick a credit card that will work for you, pick one that reflects your lifestyle as well as your ideal spending limit. In order to find the best credit card company and the best possible deal, you will need to do your research to find the perfect card for you. When picking a credit card, you will first need to decide what you need the credit card for. Some people want a credit card simply for the purpose of cash flow. Making purchases on a credit card, can then free up your income. You can put that money in your bank account and let it draw interest. This allows your money to earn interest, all the while you are still able to buy the things you need. Then, when the credit card bill comes in, you pay it in full, in order to avoid finance charges. Instant cash purposes is another popular reason people get credit cards. They are then able to use the credit card at any ATM to obtain cash. Credit cards used for these purposes are great for an extended vacation or when traveling in general. If this is your sole purpose for obtaining a credit card, make sure that you find one with the lowest instant cash transaction rate. With any credit card, it is always important to consider the monthly payments. You will either need to pay the credit card balance off each month or make the minimum required payment. When choosing a credit card, be sure to look at the balance transfer rates, any introductory rates, as well as any incentives that might apply to new credit card holders. Often times, if you have good credit, you can receive some amazing deals. Credit card incentives are another important area to keep in mind. Many credit cards offer incentives such as reward points or cash back for certain purchases. Simply look around for credit card incentive programs that are appealing to your needs. The APR or Annual Percentage Rate is another important area to look at. Whenever the incentive period ends, you will then pay the APR. Since APR’s vary from credit card to credit card, it is important to shop around and compare rates. The lower the APR is the better. The minimum monthly payment is another area that must be looked at when choosing a credit card. Often times, credit card companies require you to pay about 3% of your total balance. Some credit cards are considerably lower, while others require a considerably higher amount. Choose a credit card with the longest interest free period available. This will help to keep your monthly payments lower. After you have done the research and know exactly what you are getting into, you can then choose a credit card with ease. Credit cards can be a great thing to have. However, they can cause financial troubles if not used properly. If you do your homework, you will quickly be able to find the credit card that is right for you. As long at you pay your monthly bill on time and take care of your card, you will increase your credit rating, allowing you to eventually make larger purchases, like a house or a car.



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    Modern Lamps

     

    Lamps of different kinds used for different lighting needs. One can’t find a home without a lamp that decorates the interior. Before the advent of the electric lights, homes were lit up with conventional lamps of different sizes and shapes. One can’t forget the popular Arabian fable the ‘Aladdin and the Wonderful Lamp’. While the story speaks of a mysterious lamp, the new generation lamps can speak of the story of innovative lighting of the modern homes. Let us a have a closer look at some of these utility and ornamental lamps While talking about lamps the first fixture that strikes in the mind is the table lamp. These are designed to use while reading or writing and made to fit on the top of a flat surface. The variety of table lamps available in the market is many to suit different purposes. The major variety of table lamps that are popular are contemporory, candle stick and trophy lamps. A candle stick lamp presents an elegant appearance. They are normally designed with a circular base and lean and tall body. The lamp shade is usually rests on the top of the thin body. Most of these lamps have the flexibility to move them to any direction of one’s choice and is a cute piece. Now days many table lamps are artistically designed and carry beautiful works of art. They are also come with a variety of metal base like Iron and Bronze. Though such lamps may be a bit expensive it serves the purpose as a piece of art more than a lighting fixture. Another variety of lamp is the floor lamps, normally tall and preferred to fit into the ambience of the well designed interior of a house or an apartment. They give sufficient light either to a specific area or to the entire room as per one’s choice. This is best suited to readers who enjoy late hours of reading at the comfort of their reclining chairs so that the lamp can be placed behind the chair to have a comfortable reading. Many artistic lamps are available in this category like the goose neck variety, the Tiffany floor lamps etc. The adjustable arm floor lamp that facilitates the movement of lamp of any place of your choice in the house is a bit costly and has to be bought as per genuine requirement only. There are also lamps specially designed for children. They come in plethora of styles and designs for both boys and girls. Some of these fun lamps come in cartoon characters, animals and birds to amuse and excite the younger ones. School age children also have their choice in desk lamps. Wonderful desk lamps that provide sufficient light to make their study and home work a pleasure are available in the market. They provide a wonderful gift to all studious children. Lamps give light to the room where as designer lamps bring life to the rooms. Let there be enough light and life in our homes.



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