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    An Equity Loan Could Reduce Your Monthly Bills

     

    Home equity is the value of your home less the remaining outstanding mortgage balance. While you may be worrying about currents debts or wishing you could refurnish or remodel your home, you may be sitting on the cash you need. With a home equity loan or equity line of credit, you can use the value of your home (less the balance owing) and consolidate debts or even remodel your home. What is an Equity Loan or Equity Line of Credit? Unlike a typical loan which deposits a set amount of money in your account and begins charging you interest and payments at a fixed rate until repaid, an equity line of credit acts as a revolving credit (like your credit card). In addition, you do not need to pay interest on the full amount you have access to, you only pay for the money you have borrowed. Like a credit card, when the debt is repaid you still have access to the credit. Using an equity line of credit (also known as a Home Equity Line of Credit or HELOC) gives you greater flexibility with the least cost. Not only can you access the credit only as you need it, but your monthly payments will reflect only the balanced used. The less used the lower your payment. Some lines of credit have only the interest as the minimum payment, which can be helpful when finances are tight. What Can I Do With My Equity Loan or Line of Credit? While you can probably find numerous uses for your line of credit, here are samples of the more common reasons for obtaining an equity line of credit. Consolidate Debts Using your equity line of credit to consolidate other debts can not only eliminate the stress of multiple bills but can also give you a more favorable interest rate or tax benefit. Second Mortgage Use your line of credit to pay off the existing mortgage for better interest rates. Remodel, vacation, new car, etc. You may use your line of credit for renovating your home, buying new furniture, a car, or taking a vacation. You would pay less interest payments than using a credit card or store card making it a wise choice for large purchases. Using Your Equity Loan or Line of Credit Wisely Before succumbing to what seems like easy money, it is important to evaluate the additional risk. Some debts, as student loans have features that you may not be entitled to if you switch them to an equity line of credit. Other items like cars and vacations may seem like a good idea to buy with your home equity line of credit, but with the ability to pay only the interest you may find the motivation to pay off the debt is lacking and end up owing for items that have lost their value or were consumable. Plan to pay off the debt quickly for the most advantage. Second mortgage (or refinancing) may or may not be a good idea depending on interest rates and your repayment terms. While lines of credit take advantage of current low interest rates you may find that your regular loans protect you better from fluctuating rates if you will not be paying the loan down in the next few years. By understanding, the risks and making good financial decisions you can get relief from debt and financial freedom.



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    Hypnotic Resources

     

    The People Building website is a great resources site for therapists and those who want to develop themselves. Here are some of the features that are regularly featured on the website: Free hypnosis scripts: Our website features free confidence hypnosis scripts, free quit smoking scripts, free weight loss scripts, as well as collections of scripts that are focused on a specific area such as stop smoking. There are also a number of pay for scripts that cover many areas of self improvement that are also available as downloaded MP3’s. If we do not have the scripts you require, you can email us with your requirements and we will put something together for you. E books: If you have tried everything to help you quit smoking, and still haven’t succeeded, then you must try “Freedom from smoking the NLP Way” this is an NLP based e book which guarantees that you will quit smoking or else you can have your money back. We also have an e book designed to help you create your own hypnosis scripts, with all of the information you require in order to be able to write the very best ones possible. We have a free e book at the bottom of the e books page. If you are interested in hypnosis scripts, have a website and would like to make a few extra pennies, please download your free e book now and read the information about becoming an affiliate. Articles: We have articles which are published locally and all over the internet as well. The types of articles that we write and welcome are based around NLP, Hypnosis, life coaching, healing and health and wellbeing. If you have articles that you would like to feature on our website, then please contact us. The accepted articles will have their authors website details displayed at the bottom of the article. The more links to your site that you are able to create, the more popular your website will become on search engine listings. Questionnaires: The “try it you, might like it” page has online questionnaires so that you are able to discover your sensory preference. It is sometimes the case that we rely upon or prefer to use one of our senses more than the others. This is a useful thing to identify in ourselves and in others, as each sensory preference comes with its own behavioral generalizations. When we learn about another person’s sensory preference, we are able to utilize that information to gain better rapport. This is just a small example of one area that is taught in great detail, on our NLP Practitioner training. You can also do our life coaching questionnaire to assess your quality of life. Wheel of life: This a is a life coaching tool used for assessing the quality of life a person has in each area of their life and how fulfilled they may be feeling. In itself, it doesn’t necessarily create any changes, but this is certainly a useful tool in helping to highlight problem areas in a persons life.



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    Buying A Used Car Know The Basics

     

    If you feel purchasing a new car is tricky, then buying a second hand car can be quite trickier. But don't fret just yet with these guidelines to keep you on track, that used car could be one of the sweetest deals you've ever had. Where to Look Snoop around. It pays to be on the lookout for owners wanting to shift to a newer model, and thus wanting to sell the car of your dreams. This is where your friends and family come in. Aside from referrals, they could more or less ensure that the price is reasonable and the car's ownership history is satisfactory. Asking the Right Questions Why are the owners letting the car go? Make sure that they are not selling due to any major problems. How long have they owned the car? Given proper maintenance, a five to seven year old car would generally be in good condition. What repairs have been done, or are currently needed? How's the mileage? The lower the mileage, the better. However, a used car with more miles could be satisfactory, too. In this case, ask about the vehicle's use. Was it a family car limited to city driving? Does the car come with a warranty? Take Note of the following: Body rust or holes are difficult to repair. A body panel rusting through is to be replaced. Different paint shades from one panel to another, peeling and cracked paint, or smudges on other car part indicates a poor re paint job, which needs to be re done. Threadbare tires, chipped or cracked glass, the electrical work and what's beneath the hood should be given proper attention, too. Going Out for a Test Drive If it's a manual car, the clutch shouldn't slip. If the clutch slips, instead of being steady as it accelerates, the motor will be revved up as when using neutral. If this happens get yourself a new clutch! Is the exhaust not chugging out excess smoke and noise? The car may need some good motor repair, or some of the exhaust system parts replaced. Do the pothole test. Overly shaky rides could indicate a suspension problem, an alignment problem and or a tire problem. Always have a trusted mechanic or a car aficionado friend to thoroughly go over the car with you. The Turn Over, at Last The number of previous owners, registration details, applicable taxes, and insurance papers should all be properly documented. With the paperwork done and the payment terms agreed upon, you're ready to hit the road, and enjoy the ride!



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    International White Water Rafting Provides Adventure

     

    Have you tried all the rivers close to your home for white water rafting? Are you wishing for a little bit more adventure? There are some great rivers all over the world for you to try a rafting trip. Some of the rivers you will choose will allow you to meander down the river slowly while others will give you an extreme adrenaline rush. International white water rafting trips are the best way to find some adventure for your life and your family. You will get to experience several types of cultures, foods, and an entertaining guide. Before you leave on your adventure it is important to know what to pack and know what is required for your safety. International white water rafting trips can be created around your needs or you can find a trip already created. The Nile River is just one place you can take an international white water rafting trip. Victoria Falls or the Zambezi are two wonderful trips to take on the Nile. They will test your strength and your sense of adventure. A high water challenge is the Turkey’s Coruh River. Ethiopia also has two beautiful places to take an international white water rafting trip. The easiest way to find an international white water rafting trip to suit your sense of adventure is to study the rivers available in other countries. The Amazon one of the longest rivers in the world can give you a wonderful rafting experience, while there may not be too many rapids on this river it is certainly a scenic trip. Costa Rica is another great location for an international white water rafting trip. You will be able to meander along the river, go hiking, and experience an entirely different culture in the rainforest. You will go by waterfalls, go over a few rapids, and experience something exciting and new. For more info see whitewaterraftingtripsguide. com/White_Water_Rafting_In_North_Carolina on White Water Rafting In North Carolina. International white water rafting can be an extreme sport where you travel over some of the more strenuous rapids trying to stay in the raft or you can find a river where you will meander along enjoying the sites. When you take a river rafting trip you may elect to set the trip up to your specifications or you may join a trip that is already set up. International white water rafting is an adventure that you should take part of even if you bring your whole family. Guides will help you choose what you need to bring for the trip whether it is just a day trip or several days.



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    How To Get A Loan

     

    Many a thing available in today’s market is too expensive that most of the people find it difficult to increase or raise so much of money in no time. For example, if you want to buy or build a house, the entire exercise is bound to set one back by thousands of dollars. And practically, it is very difficult for common man to afford such a huge amount of money in one go. This is where loans or mortgages come as a remedy for the common people. A loan can be described as a sum of money or property that has been transferred to a borrower under a condition in which the borrower agrees to repay the amount or its equivalent in a fixed period of time, as agreed upon by the two parties. Loan can be called as a form of debt, which is usually acknowledged by a promissory note, a bond, or a simple oral promise to refund. Generally, loans are provided at a cost, termed as an interest, which gets accumulated along with each term of payment. There are different types of loans available in today’s money market and each has its own rules and regulations. The interest one has to pay to a loan also differs on which type of interest he chooses to pay for the loan. That is, loan rates differ depending on status. Today, as the number of financial organizations increases, it is not a difficult task for most of the people to get a loan of one sort or another. It is also noticeable that even a person with a bad credit history can qualify for a loan. Applying for a loan is so simple nowadays as one can apply for a loan in person, through telephone or even through Internet. If you are applying for a loan in person, it is better to prepare a neat written loan application. State the purpose of loan and the amount of you wish to borrow. Produce your detailed personal information, your current employment record (salary certificate if you are a regular employee) or source of income and a work history of three months. It you have a clean history with your credit paying, your loan will be approved without any delay. Together with your loan approval you will also be told how much you can borrow. Loan amounts you can borrow mainly depend on your State’s law and your monthly income. Today, there are numerous banks, finance companies, and online lenders offering loans in a wide variety of schemes. Some of the different types of loans available in today’s market include bad credit personal loan, cash loan, home loan, home improvement loan, personal loan, payday loan, business loan, bridging loan, car loan, debt consolidation loan, secured loan, unsecured loan, and re mortgage loan. Hence as a customer you have to select the right player and a suitable loan scheme which suits you the best. There is no shortcut to find out which loan suits you the best. As a general advice compare each bank’s policies and rules and regulations carefully before making a deal. You can do it yourself or else ask for professional help. Whatever be the case, it is the right choice made that is going to make a difference.



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    Home Business Ideas Opportunities

     

    The idea of having another form of income surely gets us all excited and ultimately is the main reason we decide to start a home business. But this is no easy task, and it can take 12 months or more to get a home venture up and running. The most challenging aspect you will have to face is the juggling between your day job and the running of your home business, and you will have to make some serious effort in order to run your business at night time, but in the long run you will find out that it was all well worth it . All home based businesses need some kind of investment to set up, but not all are costly to start up. Therefore, an important factor you need to establish is the amount of money or investment you are willing to put into it. A good starting point is to determine what fields you’re most interested in what your strengths are in these fields. A lot of the small businesses can be done online with a small investment for domain and hosting services. However, bigger businesses, the ones that offer services and lots of products can cost a lot more to start up. Regardless for which business you decide to go, you will have to find out what you can provide and what people need in order to have the right balance. And while jotting down all the ideas that appeal to you for your home business, try asking yourself the following questions. • Who will be the potential customer? • What will the satisfaction expectancy of my customers be upon purchase? • Will I be able to drive them to come back and buy again? • Do I know my competitors? • Are my prices more attractive than those of my competitors? • What am I willing to charge to remain competitive? Once you decide on your product or service you will need to know your competitors inside out. Only then, you will be able to develop a niche market for yourself. Also try to identify any over saturated markets and do not get involved in these, as you will not have any or little business, and therefore you will not make any profits. Find a market which is popular and needed, which is of interest to you, and which doesn’t require endless effort. A good way to make money is to become an affiliate with several programs where you can immediately get your sites up and running. The truth is, every company is the best, for certain individuals, but we can't all be in the same business, because each of us has his own preferences, goals and dreams. We need all these great companies, and they need individuals that are passionate about their products and services. When you find the company that suits you best and become a representative, you don't have to plea or beg anyone to join you or buy your products. In fact, doing so is a big turn off to your potential customers. Most of us don't realize we're being pushy, when we don't intend to be. Very often, our excitement gets the best of us and we go overboard trying to convince others that what we have to offer is the best. But if you are looking to build a serious business from scratch, you might consider buying a franchise or you can also buy an internet business which is already established. As I mentioned earlier, starting a home business from scratch, will enable you to control your investment and stay on the cheap side, but it will definitely take you months if not years to penetrate the market and establish yourself. On the other hand, buying a franchise or an established business, will cost you a lot more but will generate income immediately. Once your homework is done, you should be able to have a clear vision of the business and the costs, and therefore you should be able to finally make a decision. Once you have decided, the real work is about to begin because it takes more than a bunch of ideas to make money online. In my opinion the recipe for success is Time + Effort + Dedication + Promotion = PROFITS. In a few words, your main task is to dedicate most of your time and exercise lots of effort in promoting what you offer, in order to make sales which translate in profit. As this might result in very long days of work and you do not have the time for it because you already have a job, you may want to consider hiring professionals to do the work for you. But why would you work with someone else if you just went through hell to set up your own business? So if you really want to succeed and accomplish your goals, you will have to get a system going for yourself, and if you are willing to go that extra mile you will most surely succeed. To Your Success, Brian Camilleri



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    Debt Settlement Scores Over Debt Consolidation

     

    Debt consolidation and debt settlement are two prominent ways of debt reduction. These two methods have always been in contention over the relative significance of one above the other. However, market statistics say that debt settlement has always scored slightly above the debt consolidation process. Debt consolidation programs help you consolidate your outstanding loans and thereby heave you out of debt by making your payments out in a more systematic and disciplined manner. The in debt life is bad because the debt rarely ceases and you do not really get to live a debt free life for a significant amount of time. Debt settlement programs act as your saviors when you see yourself floating towards bankruptcy. Debt settlement is a good choice for people who are already knee deep in credit and have loads to pay back. By going in for debt settlement, you can not only improve your credit rating, but also stabilize your financial basics. People with a bad credit history will appreciate a new status wherein they are debt free finally and you are once again looked up in consideration by your creditors. Debt consolidation can help people add a bit to their savings and in parallel reduce the amount and overhead that goes in to pay back the creditors. The endeavor is to become debt free as early as possible. You should be very careful with the debt consolidation loans so that you are able to extract the maximum benefit out of these loans. You should be careful about paying back the debt consolidation loan in time because a stretched consolidation loan will only add to the financial burden and the debt relief purpose will get defeated. There are many financial organizations that advertise low interest rates and attractive debt consolidation packages, which lure many consumers to jump into taking out a debt consolidation loan. If not taken up sensibly, a debt consolidation loan can aggravate the current financial ruckus into a more serious situation. Debt consolidation is all about securing a lower interest rate. A debt consolidation loan brings down the total number of bills that you need to pay every month by clubbing together all the outstanding loans under a single head. You will need to make a single payment out every month which goes at a pre negotiated interest rate. Negotiating the interest rate is of paramount importance because if you go in for a sub standard interest rate, you will end up paying more money in the longer run that what you initially borrowed. There is another hazard involved in taking up a debt consolidation loan. People can start feeling as if they have no debt burden and may return to their old spending habits. This act can play havoc with the stabilizing financials and should be avoided on all costs.



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    Borrowing For A Business Venture

     

    Starting a business is a lot like having a baby. In the initial years it will require constant attention. As the years go by, you will have to nurture and sustain it. You have to aim at making it self reliant within the span of a few years. Yet, as I have already mentioned, the initial years are tough work. You cannot afford to shirk your duties as an entrepreneur in the first few years. You will have to work very hard, sometimes round the clock, to meet targets and objectives. Deals will not come easily and you will have to cut down on costs. This will require you to spend much time and effort in finding great bargains for your business. The initial years will also require you to invest a great deal. At times the money that you require may have to come out of your pocket. You will feel the pinch irrespective of whether your business is a sole trading concern or a partnership. Sometimes, when cash is required urgently, the fastest way to meet that need is to get a loan from the owner himself. Thus, the business person will advance the required amount from his own savings. This will be treated as a business loan which the organization will have to repay when the money comes in. This is a popular choice that is resorted to by many smaller businesses when money is needed. However, the convenience of this method has a disadvantage. If the business continues to borrow from the owner, there could come a time when the owner's reserves are exhausted. This might spell doom for the business. Alternatively, you could apply for a term loan for your business. The advantage of this is that it has a limit. This would require the business to stay within a particular budget. On the other hand, a major negative of this mode of borrowing is that it can be rather costly. And one point to remember is that the interest that you pay on the loans is subject to taxes. Yet another way of providing for your business in the early years is by securing a business credit card. If you find a cheap credit card, you could end up saving on a lot of money. Moreover, with the hundreds of credit card rewards that are available today, you could actually save on your business expenses in the long run. So, if your nascent business needs cash, some 0% credit cards might solve the problem.



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    Pro Environment Paper

     

    The thinning of ozone layer is already a great threat to humanity. The use of CFC containing products, the emission of carbon monoxide and the exposure to toxic wastes must be limited if not shunned. One simple contribution to mother Earth will be the use of pro environment paper. One ream or 500 sheets of paper uses approximately 6% of an average size tree. Imagine the waste of natural resources if we keep on wasting so much paper. People needs help to carry on a healthy and sound environment. Thus, we can achieve this through cooperation. Recycling is no longer a problem. Paper can now be bleached to achieve the brightness of virgin paper. Gone are the days of dingy gray ‘left over’ paper. It is amazing how used paper can still look clear, smooth, bright and white after undergoing the recycling process. Paper can be recycled twelve times at most. This is before the fibers become too short and no longer appropriate for further use. It is good to know that you are helping the environment without sacrificing the quality. Portable printers as well as professional offset presses have already adjusted to the sweeping change. Printers become more and more experienced and the discovery of different methods to ensure the best results made it more demandable. Recycled paper used to cost a lot more. But now the price is down. This is because the demand is getting bigger and bigger. Perhaps, people are already more cautious and conscious of the world and the impending hazards. Some grades of recycled paper cost lesser than virgin paper. Others are far lesser. With regards to virgin paper, specialty paper is more costly than conventionally used grades. To get the best priced recycled paper it is advisable to plan ahead and take advantage of time. Another, you can also take advantage of a wide array selection of recycled paper. Los Angeles brochures, newsletters, letterheads can be printed in these recycled high quality paper. We all know that varying printing projects need varying paper considerations. Thus, it is advisable to seek professional recommendations coming from printing companies.



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    Buying Classic Chevy Trucks

     

    Chevy trucks aficionados are not just after the newer trucks built by Chevrolet. They are also into oldies but goodies trucks that have been magnificently preserved for long years. In fact, one can still find Chevy trucks made some 60 to 70 years ago. The vintage sensation that a classic Chevy truck bring is something invaluable. For so many decades, Chevrolet proved that their makes are still the most loved by Americans. Consider the wonderful cruising that a Chevy truck gives. Plus the unimaginable sensation of driving a Chevy truck off road. Maybe regarded to be as satisfying. When buying a classic Chevy truck, prefer the 1955 57 models. Chevy trucks during these times are gorgeous, solid and hard. Not to mention the heavy masculine inclination of the designs. Classic Chevy trucks during these years are really worth the price. Art Deco trucks have its distinctive look for a Chevy truck. These trucks have marvelous front grills. These were made sometime from 1941 to 1946. However, many hot rodders prefer the 1955 to 1957 models. Chevy trucks of the 1960’s were some what remakes of the 1950’s. Maintaining the muscular details and clean look and cutting only some small details. These trucks were out from 1960 to 1966. The next batch, 1967 1972 Chevy truck models, was more developed in terms of design but with plain look. Buying a classic Chevy truck is like purchasing a new one. You need to think of the qualifications and set high standards. You also need to inspect the Chevy trucks for any damage or unwanted parts. Here are suggestions on what to do in inspecting your desired classic Chevy truck: • Prepare several questions that will help you in arriving at your desired model. You may ask yourself what year and model you want to purchase, the design, the price, etc. • Call the owner or the selling company and ask for the history of the truck. The history includes the age of the truck, the number of times it has undergone repair and so on. Do not rely on the answers on the phone. Visit the company or the owner and propose a test drive. That move will prove whether the seller is really telling the truth. • Make an appointment with your mechanic. Tell him that you are to bring a truck for inspection. Make sure you are in the shop during the inspection. • Do a general check up on the truck. You may not like your prospective truck to have leaks, rust, old hoses, etc. • Look for past repair documentation. This must be provided by the selling company or the owner. This document is very important so that you may not have any hassle to find out what is really wrong with the truck. • Set a price according to the inspection, the test drive and the history. Make sure that, whatever price you may end up with, you are still the most benefited. Remember that you buy a classic Chevy truck not for long distance travel or heavy work loads but only for fun. You buy one to have the unexplainable feelings that other classic Chevy truck owners profess. Make sure also that you are satisfied with the result of the inspection made by your mechanic. Bear in mind also that you are buying a vintage car and not rubbish.



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    How To Build A List With Ebay

     

    Ebooks are not the way to make money on eBay, as glutted as the eBay market is with them. But, there is still money to be made with them if you know how to work the system. Selling an ebook on the site subjects you to intense competition, many times by people selling the exact same product for a dollar or less. There are also those who sell them even cheaper, losing money on each transaction through eBay and PayPal fees. But there is a hidden profit potential behind those .01 ebooks. The cheap ebooks people sell on eBay are often sold with resale rights. This means that you can always find plenty of inexpensive ebooks to sell, but it also means there are hundreds of people already selling it. But by utilizing the sales in another way, a workable list can be built in order to generate sales for the real items you are selling. Buyers on eBay these days are looking for incredibly cheap ebooks. So to get the customers you need, your books will have to be priced similarly. By having a low price, you will get more customers, making your list grow quickly. Once the sale is made, you can talk the customer into subscribing to your newsletter or other targeted marketing that you have available. One way to convince buyers to join is to offer them more ebooks for free. With that carrot dangling above them, buyers will jump to join your list. It’s a great deal for them free ebooks. It’s a great deal for you a cheap customer list. And with a list in hand, the door opens for countless other ventures. There is yet another way to create lists using eBay itself. If you don’t have a newsletter autoresponder already set up, you can actually send newsletter through the site. The site now has its own newsletter system that can be subscribed to by any of your customers, making the whole venture impossibly easy. If you are really creative, you might even come up with two newsletters, and get buyers to subscibe to both one through your own ezine or newsletter, and one through the eBay system. If both newsletters have complementary information, both newsletters will be of interest to buyers and both will have subscribers. This keeps your products and information firmly in the mind of the buyers, likely leading to future sales down the road. So, think of eBay as simply the first step on the road to ecommerce, instead of the end result. Hook them there, and then release them into your own site, where the real profit potential is much higher. If you have a content site set up (and if you don’t get one), the newsletter can direct them to your site to read the new information you will post each week or month. This drives up your site’s page views, leading to increased AdSense dollars, as well as having the items you are selling right there for the buyer to look at. It may hurt to sell something for less than the transaction costs, but you’ll be feeling a lot better when those affiliate checks start arriving.



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    The Skinny On Hypnotherapy

     

    With Sheri O. Zampelli, M. S., CCH Certified Clinical Hypnotherapist An Interview By Laura M. Turner, CHHP I admit, I didn't know much about hypnotherapy, especially for weight loss. But the results are undeniable. So to find out more, I sat down with Certified Clinical Hypnotherapist, weight loss coach and creator of Donate Your Weight (. donateyourweight. com) to get the skinny. Here's what she told me: Q: Sheri, What is the background or history of hypnotherapy? A: Modern hypnosis is said to have been around since 1776 and has faded in and out of popularity and acceptance since then. Sigmund Freud used hypnosis in his practice and his theory of psychoanalysis was formed based on some of the things he liked and didn't like about hypnosis. Many therapists and doctors integrate hypnosis into their practice to help clients manage physical pain, break habits and resolve deep psychological issues. Q: What is your story as it pertains to hypnotherapy? Why were you drawn to it? A: I initially found out about hypnosis when I was desperately struggling with my weight and eating and went to see a woman named Dr. Nancy Bonus. She marketed a "non diet weight loss program" and called her technique 'visualization'. It seems that many people call their technique visualization in an attempt to avoid any negative connotations previously associated with hypnosis. The truth is, many programs using 'visualization' are using some version of hypnosis. However, the term 'visualization' doesn't adequately describe the power of hypnosis. The goal with hypnosis is not just to see or imagine something in your mind. The power of hypnosis depends on the state you're in when you visualize an outcome and also the emotions you are able to experience as a result of being in a deep, relaxed, trance like state. The goal with hypnosis is to get past the analytical or logical part of the mind and to access the part of your mind that makes automatic, impulsive, emotionally driven decisions. With hypnosis, you can help your conscious mind work in harmony with your subconscious mind so that eventually, you are automatically drawn to new behaviors without having to think about it or use willpower. Q: Why would a person choose hypnotherapy as a means of promoting weight loss? A: A good reason to choose hypnotherapy as a means of promoting weight loss is because hypnosis helps you get past the critical factor and access that part of the mind (the old brain) that's like a little brat and insists, "I want cookies, I want candy, I don't want to exercise." That old brain (amygdala) wants instant gratification and rewards, it doesn't care about consequences or logic. You can reprogram that part of the mind to look forward to health, fitting in smaller clothes, dancing, playing, getting off medication and all the other benefits of weight loss, suddenly you have its cooperation. Now your conscious and subconscious mind are working together. Your subconscious mind doesn't care about good or bad, should or shouldn't, right or wrong. In fact, the subconscious mind seems to rebel against rules, but it loves rewards. Q: What would a private session involve in terms of expense and time commitment? Do you offer private sessions via internet? A: Private sessions can range from $75 to $300 an hour. My per session fee is $150 but I prefer to offer six session packages for $700. I do offer coaching over the phone and I will create a personalized hypnosis CD for the client after I've been working with them for about three weeks. The truth is, when it comes to weight loss, most people will not benefit from only one session. Weight and eating issues are very complex and sometimes begin in infancy. Solving your weight problem permanently usually requires work on emotional triggers, psychological triggers, habits, self talk and self esteem. It also includes making changes to your environment and mindset related to food, eating, fun, rewards and weight. Some clients have experienced trauma or abuse that is the root of their weight problem. Food becomes a friend and excess weight becomes a security blanket. Unless trauma is resolved, the weight and poor eating habits are likely to resurface again and again, especially in times of stress. However, it is possible to resolve these issues and take back your power if you are willing to commit to the process. Q: Could a person get the benefits of hypnotherapy on their own and how? A person can absolutely benefit from using a CD recording of a hypnosis session. CD's often work great for motivation and focus and staying on track with new goals. CD's can also help you break habits. A self motivated person with little or no past trauma or abuse might find that a CD is sufficient to attain their goals. However if the CD alone seems to stop working or lose effectiveness it might be either time for a new CD or time to see a professional who can help you overcome roadblocks that might be standing in their way of gaining the full benefits of hypnosis. Self sabotage can also be a factor in the effectiveness of hypnosis. If a person holds core beliefs such as "I don't deserve good things, I'm worthless, Why bother, People will think I'm snooty, slutty, selfish, etc." then hypnosis alone may not be enough to overcome those beliefs. My book, From Sabotage to Success offers a wide variety of tools for overcoming self sabotage.



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