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Mortgage Products: The 15 Year ARM As you begin to traverse the actual home appraisal, the loan amortization, your down payment, and all the dots that must be connected in order to make the dream a reality, you suddenly realize that you may not be able to afford a payment on the Fixed Rate Mortgage plan. What other options are available? Well, there’s the Adjustable Rate Mortgage that is a close first cousin to the Fixed Rate mortgage, just a little riskier. What products are available with the Adjustable Rate Mortgage? What advantages does the Adjustable Rate Mortgage option offer, and what are they drawbacks, if any? This article examines the advantages and disadvantages, if any, of the Adjustable Rate Mortgage and the 15 Year ARM option. The Adjustable Rate Mortgage, or ARM, is a more affordable option for homeowners who have a fairly tight monthly budget, and who have a need for bigger house, lower payment. The typical ARM customer wishes to build equity in their home; however they need the lowest monthly payment possible, for a certain number of years. The homeowner this program most benefits is the individual who expects income increases to occur within a few short years, but also has an expanding family with a need for space. The 15 Year ARM is one of the more used ARM options, simply because of the attractive monthly payment, and the length of time the homeowner has to build more equity in an affordable payment. An ARM works in this way: when you set up your mortgage on an ARM, the interest rate you have will only be set for a very short period of time, normally only 6,9, or 12 months. At the end of that period, the interest rate will be re-evaluated, and if the rates have increased based on the prime, your interest rate will also increase; once again, for a short, set period of time. The benefit derived from this type of loan, during today’s economy, is that the interest rates are at an all time low. That equates to big savings for current home buyers, and homeowners who refinance. The 15 Year ARM allows the mortgage loan to operate as an adjustable rate mortgage for 15 years, automatically converting to a fixed rate loan after that 15 year period has expired, for another 5, 7, or 10 years. The disadvantage to this type of loan occurs when interest rates begin to rise. As the rate rises for the lending institution, it also rises for you, the homeowner. The home mortgage product market can be very confusing, and quite frustrating if you don’t take the time to fully research and understand your mortgage options.

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Home improvement is a task that all of us must consider at one time in our life, especially if you own your own home. Home improvement requires patients, basic knowledge, ability to read and follow the instructions and understanding home improvement tools and materials. Thus, in the report you will learn about improving homes and saving money by repairing and avoiding contractors and subcontractors, which will cost you a fortune to hire. Let us get started.

Budgeting to Improve your Home

Home improvement projects often scare people off, since many believe that it will cost thousands of dollars to remodel one room, since they lack the skills to do the job them self. They may also feel that the project is expensive since materials and tools are needed.

To the contrary, home improvement does not have to be expensive at all. Of course, if you hire a subcontractor or contractor to do the job, you will pay fortune, but if you have patients and the ability to read and follow directions, thus you can remodel an entire room in your home for less than a hundred dollars. Of course, you will need to contrast and compare materials.

Before starting the process of improving your home, you will need to setup a budget and a plan to get started. You will need to consider various notions when considering and planning home improvement. For example, do you intend to paint your home? Do you intend to tile your home? Do you want carpet in your home?

Asking questions is part of analyzing and planning for home improvement. One of the best tools to have when considering home improvement is knowing what you like and knowing what you want. When I improve my home the first thing I do is roam my brain searching for favorites and what excites and appeals to me. Thus, when I go to the home improvement stores I already have in mind what I am going to purchase, thus this relaxes my quest to improving my home.

If you are lacking the cash to improve your home, thus setting up a budget will help you get what you want as well as save you cash. You may even consider purchasing materials and tools for home improvement at the stores that offer discounts and/or purchases with no payments until a particular date. This notion will give you time to get your home improved while saving the cash to payoff the improvement materials and tools.

Unfortunately, many people go for secondary home loans to improve their home. Getting loans from lenders often lead to debt, and secondary home loans for improvement only leads to paying off your home twice. Thus, avoid high interest rates and loan payments and learn to budget to improve your home.

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American Express and Credit Cards American Express is one of the well-known card providers that offer low APR. The introductory is 0% APR up to 15 months on some cards, and includes low balance transfer APR. The transfer is 3.99% fixed rates for life on few American Express cards. Few cards offer free reward programs enabling the cardholder to earn points and redeem the points for products, travel, hotels and so forth. Many of the cards offered have no annual fees. The Citi Platinum Select has 0% APR introductory on purchases and balance transfers. The 0% APR will not be relevant to cash advances on some cards. If the cardholder fails to make payments on time then the 0% may be subject to change. Few cards have no annual fees or balance transfer fees during the introductory. Chase cards have a 5% on purchases and 0% APR up to one year. The cardholder can receive 1% cash back on additional purchases. Chase like many other cards offer a variety of cards; therefore, you should review them all before making a decision. HSBC MasterCard Offer an assortment of manufactured goods to choose from if the cardholder qualifies upon the completion of the “Pre-qualified form.” Few cards offer 0% APR and may not apply to the cash advances. If the cardholder fails to make payment during the introductory, or else goes over the cards limit, the APR may increase up to 18.74%. Other fees are included on balance transfers. Be sure to read all details on any credit card considered to avoid overcharges. Discover Platinum Cards also offer 0% APR introductory up to one year. There are no annual fees, 5% cash rewards, 0% fraudulent liability and limitless cash rewards of 1% on other purchases. The card lenders offer double rewards to customers purchasing products from name brand companies. Stop right here! If you are paying twice the amount for a similar product at full price, the double rewards may not be worth your time. In other words, if you buy name brand clothes you will pay nearly double, or triple sometimes for the product. Therefore, you are spending more than you will make back in most instances, and then you will pay APR charges on the purchase. The card lenders may also charge fees on banking processes or internet purchases therefore make sure you read all information about the card before applying, since some card companies offer misleading information. Some of the misleading slicks may include, FREE online accounts.

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Bad Habits causing Stress When a person has bad habits, you can bet that this person will have stress throughout their lifetime. For example, if a person smokes cigarettes it increases the vitals functioning capabilities, which gradually affects the heart, lungs, and other vital organs. An autopsy will tell if a person smoked or not when the person is internally evaluated. If the person was, a smoker it will show on the body’s organs and the person’s lungs will be black. Now we know that a person’s internal organs are pinkish and when black is current then problems occurred in the person’s life. When a person has problems, stress is obviously overwhelming. Likewise, if a person drinks heavily it affects the central nervous system and reduces a person’s ability to cope with stress. Heavy drinkers put their self in harm’s way by destroying the body and potential going to jail in the future. As you can see, bad habits can cause stress and will cause stress. When a person is born, they are often healthy and if this person avoids bad habits that cause harm then the person’s life will be rewarding. If you are free of chemicals and substances that can cause you harm you will have the ability to make good decisions that offers you a successful future. Eating too much is also a bad habit that needs modified. If a person overeats regularly and avoiding exercise then this person is subject to obesity, heart failure, strokes, diabetes and so forth. We see this causes problems and problems are one of the elements that cause our stress to increase. One of the obvious bad habits that create potential dangers is stress itself. When a person is lacking the ability to manage his or her life and becomes stress every time an expectation presents itself then this bad habit too can cause harm to the body. Coping means we have the ability to manage our lives successfully without creating stressors that cause our stress to increase. Minimizing stressors can help us to live a more productive lifestyle and provide us hope when times are hard to deal with. It is never easy to eliminate a bad habit since it is obviously a ritual, but it is possible to work toward reducing and finally eliminating the habits that cause us stress. If you are use to smoking a cigarette after each meal then tell your self that today you are going to drink water instead of smoking after a meal. If you drink coffee and it opens your smoking cravings up, then start drinking orange juice, milk or some other healthy beverage. If you are a heavy drinker, tell your self every day that you are worth saving. Sit down and review with your self the many problems you are facing and if some are less severe than others are. If you are often late paying your bills then you know that this is a problem, so you will need to learn and practice paying your bills on time. When you do not pay your bills on time, late charges occur or shut-off notices following. As you can see, we all cause many of our own problems, which initiate stress. Sitting down and evaluating our situation and decisions can help bring forth rewards by seeing the problems we created and learning how to eliminate the problems in our lives. For example if you are often late for work then you know you have a bad habit that can cost you your job. You may think that loosing your job is not a problem, since someone else will hire you, but loosing your job is not the only problem in the picture. If you continue to adhere to your behaviors by being late for work, you are going to get a bad repetition with businesses. Business owners talk amongst other owners. Now you can permanent displacement is potential, poverty, potential crime, and so forth. We are adding to the list of problems by ignoring or not accepting that our bad habits are the leading cause of uncontrolled stress. Our decisions are at the top of the list that determines if our stress is overwhelming or not. When behaviors cause stress, it is time to make some changes.

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The number of children with learning disabilities is soaring and most of these children are suffering at the hands of so-called experts producing diagnosis to gain profit. Although there are experts with real concerns, many are searching for their own power. Learning disabilities, extend to disorders, mental illness, behavior problems and so forth. To understand disabilities in learning, one must research the marketplace to read all the information provided to help us understand. In this report, our attempt is to help everyone understand the drawbacks of learning, disabilities, inabilities and so forth. The report is to help everyone determine his or her course in life! Directional Learning When a child is growing, often confusion steps in and hinders him from learning. Few children are able to cope with the confusion, but some find it difficult. Many times fathers will expect their children, especially boys, to learn their skills. In other words, fathers sometimes expect their child to become them. When the child goes to school, he is presented with science, math, history, social studies and so forth. The child may have set his own goal to reach, and is confused because new information has opened new doors. The child may struggle with learning, since he is leaning on his father, his self, and the new choices presented to him. His understanding may lean more toward science, making other information confusing. He sees that math plays a part in science, since most scientific studies are based on statistics. Somewhere down the road, however he sees a role model that peek his interest and more confusion sets in. The role model is a TV icon with a good name and interesting behaviors. The influences around him however tell him that his interest is superficial. TV role models are fictional characters he is told. Therefore, he ventures off and finds a reality based role model of similar characteristic as his TV companion. Now, his mind is consumed and frustrated, since from the beginning expectations of being like dad were cultivated. Dad is a construction worker, coming home each night tired from an exhausting day. The child observes each detail displayed by dad, searches his mind to determine if his TV companion is fiction, and stumbles through the schoolbooks to find out what he wants to be in life. As you can see, this chaos can lead the child into a whirl spin of confusion. The child forgets about his own goals and struggles to please everyone else. On top of his many pressures, he is consumed by a society that tells him he has to be like everyone else, or he is not normal. Learning disabilities are understatements in most instances, since we all have learning inabilities. Simply, because we do not see the way another person sees we are at risk of becoming a titled learning-disabled person. We can look at the many examples and see the truth in this statement. For example, at one time learning-disabled individuals were said to be dumb. Later, scientist discovered that these handicapped individuals had a lot to teach us. The mentally retarded individuals are often disregarded had failures, or at least at one time this was true. Nowadays, even the mental retardation is under carefully study, as researchers are learning new information. Recent studies have proven that the mentally severed are capable of learning. Although no answer has been found to understand why retardation has developed, new studies have shown there is hope.

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Golf has seen an incredible rise in popularity over the past few decades, and that popularity continues to grow. From the days when golf was consider the pastime of a select few old folks who walked the greens in their checked pants, the sport today has a tremendous following. It can largely be attributed to players like Tiger Woods – charismatic players who captured the attention of everyone, including those who have never picked up a golf club. Added to this is Hollywood’s take with movies that have portrayed golfers as the heroes they are. While the following has changed significantly, so has the industry. There are resorts, vacation packages and even housing developments built around incredible golf courses. Finding a great place to golf has never been easier with the number of courses growing annually and those managing the courses set to make the most of the property available. There’s no way to really tell what prompted the rising popularity of the sport. But if you look at the number of young people walking the greens with parents and grandparents, and the number of schools with a golf program for its students, you’ll see that it’s most likely a trend that will continue for the foreseeable future. The History of Golf Arguably golf’s interesting origin began five centuries in the past. It is a historical fact that due to the interference of golf with much more serious combat drills James II of Scotland banned golf in an act of Parliament on March 6 in the year 1457. There is general agreement among historians and golf fans alike that the Scots were the first golfers who became somewhat addicted to the sport. However the persons responsible for the invention of golf is open to debate. And debate will ensue if you breech the subject with the right persons. It has been suggested that bored sheepherders became quite exceptional at knocking round shaped stones into rabbit holes with their wooden shepherds staffs. Making a competitive game of the boredom seemed inevitable. After all women’s lib was not yet even considered so that means the shepherds were men. Lets face another fact of history, men tend to be more of a competitive nature. Various forms of golf were played as early as the fourteenth century. These games were played in Holland, Belgium, France as well as in Scotland, thus the debate of golf’s origin is rightly fueled. There is another historical fact that Scottish Baron, James VI, was the man who delivered the game we know today as golf to the English. For many years the game was played on severely rugged terrain, where no proper upkeep was required. In most accounts golf was played with crudely cut holes in the ground where the earth was reasonably flat.

Ebook Table Of Contents

ALTERNATIVE MEDICINE......................................................................1 SECTION 1 ALTERNATIVE MEDICINE – WHAT WHERE HOW?......................4 ALTERNATIVE MEDICINE & TODAY'S SOCIETY ......................................4 WHAT IS ALTERNATIVE MEDICINE?.....................................................5 Defining Alternative Medicine ..........................................................6 Alternative Medicine System’s Point Of View ......................................6 THE HISTORY OF ALTERNATIVE MEDICINE ...........................................7 CONVENTIONAL TREATMENTS VS ALTERNATIVE TREATMENTS ................8 ALTERNATIVE TREATMENT SESSIONS ...............................................10 CHOOSING THE PERFECT PRACTITIONER...........................................11 PAYING FOR ALTERNATIVE MEDICAL TREATMENTS..............................12 How Can Alternative Treatments Be Paid For? ..................................13 How Can I Find Out If My Insurance Covers This? .............................13 Questions To Ask Your Practitioner .................................................13 ON BECOMING AN ALTERNATIVE MEDICAL PRACTITIONER ...................14 SECTION 2 ALTERNATIVE MEDICINE AND YOU ......................................16 ALTERNATIVE MEDICINE FOR WOMEN'S HEALTH.................................16 ALTERNATIVE TREATMENTS FOR CHILDREN .......................................17 Acupuncture:..............................................................................18 Hypnosis:...................................................................................18 Massage and relaxation techniques: ...............................................18 ALTERNATIVE TREATMENTS FOR MEN’S HEALTH .................................19 Herbs For Men ............................................................................19 Chinese Medicine For Men.............................................................19 Yoga For Men..............................................................................20 ALTERNATIVE MEDICINE FOR CANCER TREATMENT .............................20 LOSING WEIGHT WITH ALTERNATIVE MEDICINE.................................22 TREATING NECK AND BACK INJURIES ...............................................23 SECTION 3 A TO Z OF ALTERNATIVE MEDICINE.....................................25 ACUPUNCTURE ..............................................................................25 APITHERAPY..................................................................................26 AYURVEDIC MEDICINE....................................................................28 BIOFEEDBACK ...............................................................................29 CHAKRAS......................................................................................31 CHIROPRACTICS ............................................................................33 COLOR THERAPY............................................................................34 CRANIOSACRAL THERAPY................................................................35 FENG SHUI ...................................................................................37 HEALING CRYSTALS .......................................................................38 HERBAL REMEDIES.........................................................................40 HERBAL TEAS................................................................................41 HOMEOPATHY TREATMENTS.............................................................42 IRIDOLOGY ...................................................................................44 KAMA-SUTRA.................................................................................45 KINESIOLOGY................................................................................47 MAGNETIC THERAPY.......................................................................48 MASSAGE THERAPY ........................................................................50 MEDITATION .................................................................................51 Method ......................................................................................52 MEDITATION TECHNIQUES FOR BEGINNERS ......................................53 NATIVE AMERICAN MEDICINE ..........................................................54 NEURO LINGUISTIC PROGRAMMING (NLP) .........................................55 QIGONG .......................................................................................57 REFLEXOLOGY ...............................................................................58 REIKI ...........................................................................................59 ROLFING ......................................................................................60 TAI CHI ........................................................................................62 TIBETAN MEDICINE ........................................................................63 TRADITIONAL CHINESE MEDICINE....................................................65 VITAMINS .....................................................................................66 YOGA ...........................................................................................68 YOGA - HATHA YOGA......................................................................69 YOGA - HOT YOGA .........................................................................70 YOGA - KARMA YOGA......................................................................71 SUMMARY – FIVE TIPS FOR BRINGING BODY, MIND, AND SOUL TOGETHER .....................................................................................................74 SET FUTURE GOALS........................................................................74 REMEMBER YOUR ACCOMPLISHMENTS ..............................................74 CREATE HAPPINESS SCENES............................................................75 LOOK FORWARD TO SOMETHING, PLAN TO GET AWAY.........................75 PRACTICE AFFIRMATIONS, FIND A STRESS RELIEVER AND PRACTICE IT. 75 ALTERNATIVE MEDICINE: IS IT WORTH THE RISK?.............................76 What is alternative medicine? ........................................................76 Why Is Alternative Medicine So Popular? .........................................76 The Risks Of Alternative Medicine...................................................76 How To Recognize Potentially Risky Alternative Medicines ..................77

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SECTION 1 ALTERNATIVE MEDICINE – WHAT WHERE HOW? ALTERNATIVE MEDICINE & TODAY'S SOCIETY Do you know what alternative medicine is? If you think that you do not, you are wrong. Alternative medicine has become something of a niche in today's world. The healing treatments that used to be thought of as ineffective to certain people of the world, are now being used more and more frequently. Many well known types of alternative medicine include: ALTERNATIVE MEDICINE & TODAY'S SOCIETY • Massage • Aromatherapy • Acupuncture • Herbal Medicine • Herbal Tea • Hydrotherapy • Meditation • Spiritual Healing Any of these forms of treatment sound familiar to you? I'm sure that at least one of them is not only something you have heard of but also a form of treatment that you yourself have attempted at least once before. There seems to be more than ever, people with ailments and sicknesses that the doctors can not seem to cure. So people are now turning to the alternative medications that once worked for people thousands of years ago. There is also a large number of very health conscious people in our society today. These are the type of people who do not like to fill their bodies with prescription drugs. So to avoid this, herbal medications have become their substitutes. Herbal medications are meant to do the same thing as prescription medications, but they are better for you. Completely organic.

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Are you feeling unfulfilled in your marriage? Do you feel that the passion and attraction are barely there or missing altogether? The absence of the feelings we want to feel with our spouse can often lead to unhappiness and often conflict. Just because you are arguing all of the time doesn’t mean that you are hopeless. You are missing the essential components that make up a happy marriage. The fact that you are reading this means that you have a wealth of underlying emotion just waiting to be unleashed into your marriage. Read on to find out how you can not only improve your marriage, but you can also enjoy having one of the best and most enviable relationships today. Is Your Marriage a Companionship or a Love Affair? Every marriage is just like any relationship. They have their ups and downs, agreements and disagreements and good days and bad days. When you put two people from different backgrounds with different ideas, feelings and expectations together, you simply can’t expect everything to be wonderful all of the time! While some marriages have very serious problems that can only be solved by intense focus and even therapy, most marriages simply become ‘stale’ or uninteresting. It is important to reflect on exactly what is causing any conflict or uneasiness in a marriage before acting on it. In a great many marriages, the excitement and ‘take my breath away’ feelings are fading or they are even gone. It doesn’t mean that the love is gone. Love sometimes needs a little stimulation in order to revisit and maintain the feelings we all crave and yearn for. That stimulation is called ‘romance.’ Many people mistake a marriage that seems to be ordinary or unexceptional as lacking love. It simply isn’t the case! Most marriages do not lack love, but they do lack romance! Love is easy and peaceful, while romance is what makes a relationship hot and arousing. Every single person on earth in any type of relationship desires passion and romance in his or her life. Unfortunately, there are a few things about romance most people don’t understand. The most common problem in creating romance in a relationship is that people simply don’t know how to do it! Other times, people are fixed in cultural classifications and their partners are unable to appreciate them for their own special and unique qualities. Ultimately, some people have simply given up on their search for romance.

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It may be a symptom of the strains of modern life: the prevalence of stress and anxiety. It seems that stress is ever-present, attacking us at work, at school, on the road, and at home. To a large extent, it is impossible to escape stress—and perhaps we wouldn’t want to. Stress can be a powerful motivator and a catalyst for change. It can enable us to grow and mature. Stress is not something that should be feared—rather, it is an aspect of life that needs to be managed. You will find that there are a myriad of causes for stress and anxiety. Both can appear on the scene anytime, anywhere. However, a growing body of research suggests that there are numerous ways to reduce the negative effects of stress. If you follow these prescriptions for stress relief, you should find yourself leading a fuller, more productive life. You will no longer be challenged by the demands of stress, and you should feel more relaxed as a result. Turning a Spotlight on Anxiety Disorders You may be restless at night, tossing and turning in your bed because of excessive worry. You may find yourself cracking under pressure, whether when preparing for a test or when you get ready to report to the boss. But does your uneasiness qualify as actual anxiety? We seem to be an angst-ridden society. Television news programs offer us a long list of worries: from what’s in your toddler’s milk to whether your high schooler will graduate with a 4.0 average. It seems at times as if we are a nation of worry warts. We obsess about crime, the stock market, civil rights, hunger, AIDs, the SATs, and global warming. You might even nickname your local newspaper “The Worry Pages.” In order to effectively deal with anxiety, we must first be able to define it. There are certain recognizable symptoms of generalized anxiety disorder which you should pay attention to. For instance, anxiety can be characterized by restlessness, an inability to relax, shakiness, and tics. You may feel your heart racing or feel light-headed. Your stomach might seem queasy and you may experience shortness of breath. You might seem overwhelmed by a feeling of fear. You might dread tomorrow because you wonder what disasters will befall your family. You may experience insomnia, irritability, impatience, and an inability to concentrate. You may also feel impatient or on edge.

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What type of cat is trainable? Not all cats are trainable and some of them are not easy to train. Take look at the different easy to train cats and some that are not easy to train. Barman; long hair, easy to managed once a week grooming, very careless loves humans, gentle, affectionate, inquisitive will follow you around the house, very clever. Siamese, verbal, loving, can be difficult, serious daily play, and contact to their arousing and mental status, and does not like to be left alone. Snowshoe: An uncommon breed of cat warm, playful, great personality enjoys the indoor living. Somali is a very intelligent, playful, active, extreme elegance grace, alertness. This type of cat can be gentle, loyal, sensitive, sense of humor cat. Has minimum care for grooming, love to play, loves water, and loves to be next to you or in the lap napping. Will capture you heart. Pixie-Bob is a very trainable, is a bright, loyal, fully family breed. The hair can be long or short. American Bobtail is not a wild nature cat. They have an untamed look, medium to large size. Anatolian is a mild, kind cat, elder cats might have trouble adapt to a classic pet cat life. Bengal’s are active, clever companions. The best friendly cat they are known for in this breed. Most pet Bengal’s are wild only in looks, not in character. Ocicat: looks like a small wild spotted cat, fully household, energetic, affectionate, and very public despite their wild look; they are gracious, sociable, people-oriented cats without being clingy or intolerable. They are clever, dedicated, extremely adaptable companions.