Debt Management Family First

June 22nd, 2008 by ashargento

By Adam Heist If you are in debt the first place to look for the easiest and lowest interest rate loans is your family. The only thing you need to take care of is the tax angle of gifts and interest income. Read on. Not only to avoid any misunderstanding should you document your loan terms clearly, but also to keep the tax man from your creditors doors. This will avoid them from paying income tax on interest never received. Having the lender write a memo that you were solvent at the time of the loan saves them from incurring any gift tax liabilities. While most family loans are interest free, the IRS doesnt take happily to such situations and arbitrarily imagines an interest rate for which they charge tax to your creditor. Further, since you have not paid any interest, they consider it as a gift from the lender and add gift tax liabilities! This can all be avoided with some good planning. If the loan (including interest) between you and the creditor less than $10,000 you wont face these complications. However if the loan amount is more than $10,000 you can save yourself trouble if its less than $100,000 and your net investment income for the year is less than $1000. To qualify for this, the lender should collect an annual statement that mentioned the borrowers net investment income. If you are borrowing money to make the down payment on your new home, it is important to legally secure the note with your residence. This way you can take advantage of tax deduction by way interest paid on home mortgages. To further avoid any gift tax issues you should get your creditor to give you a demand loan. A demand loan is one where they can demand repayment at any time and although this seems risky, you can have an informal arrangement for avoiding the same. Issues regarding a demand loan can be a little tricky sometimes so it is best to enlist the assistance of a tax lawyer. Finally, get a clear picture of the tax implications if you default. While it will certainly hurt your family relations, it will also affect your creditors tax liabilities. So if your lender tries to write off your bad debt on their tax return, the IRS will look to collect the lost tax from you! Adam Heist is an accomplished writer who specializes in Loans related topics. For more information regarding chase saunders website please drop by out site today. Article Source: http://EzineArticles.com/?expert=Adam_Heist http://EzineArticles.com/?Debt-Management-Family-First&id=378027 personal loan lenders licensed in north dakota cash advance online loan for business with bad credit where can i find loans till payday

Online Dating Safety Tips

June 19th, 2008 by ashargento

By Caroline Mackenzie Online dating is as safe, and in some ways safer than meeting people offline. Online dating services protect your anonymity at all times (your real name, contact details, and so on) and provide tools to block and report bad apples, as well as online dating safety tips like these. The rest is up to you. If theres any danger at all, its that you feel too safe and forget to use your common sense. So, here are some reminders to help keep your online dating experiences safe and enjoyable. Remain anonymous: Never, ever include your real name, address or contact details in your profile or personal ad, or communications with other members. Remember, theres absolutely no reason why anyone would need these details. Online dating services provide plenty of options for communicating, safely and anonymously. Be wary of anyone who presses for information: At online dating sites the focus is on personalities, interests, values and so on the type of information that helps you determine if someones the one. Specific details, like your exact address, or place of work or study arent relevant and you should be immediately suspicious of anyone who pushes for this type of information. Keep it vague: Telling someone that you workout out at the gym every night is fine. Telling them at which gym, at what times, and that youre afraid of the dark alley behind it is not! Dont paint a picture: Remember, some people are very good at putting two and two together to learn more about you than youd like them to know! Again, keep it vague. Go slow: Take your time getting to know someone. If someone seems too good to be true, they probably are. With time, youll spot any inconsistencies and realize that things dont quite add up. Act on your instincts: If youre uncomfortable communicating with another member, move on. Theres no need to explain. One of the big advantages of dating online is that you can block other members, making yourself instantly inaccessible, zapping them out of your life! Report bad apples: The better online dating services devote money and personnel to quality control but appreciate your help. They have systems in place that make it easy to report members who are spoiling their service for others. Choose a quality dating site: Last but not least, choose a well-established, popular site with plenty of members. Popularity is a good indicator that a dating service is doing plenty to keep its members happy, including tools and policies that keep you safe online. Copyright 2005 Caroline Mackenzie Caroline Mackenzie is Co-Owner/Webmaster of The Dating Muse, a guide to online dating services and personals featuring reviews of the top online dating sites plus tips and ideas for finding friends, dates, soulmates and sexual adventure online. You can visit her site at http://DatingMuse.com and subscribe to her newsletter at http://datingmuse.com/subscribe.htm Article Source: http://EzineArticles.com/?expert=Caroline_Mackenzie http://EzineArticles.com/?Online-Dating-Safety-Tips&id=9994 short term debt settlement loans therell be a payday hard money lender directory fast cash maine

Mobile Phone Deals-Where Are They Going?

June 15th, 2008 by ashargento

By [http://ezinearticles.com/?expert=Andrew_Ramsey]Andrew Ramsey Mobile Phone Deals - How many gifts would you like? Mobile phone retailers are constantly striving to find new products and gifts to ‘give away’ with contract mobile phones. Rather than offering the almost industry standard Cash Back option you can now choose from some amazing gifts when signing up to a 12 or 18 month contract with your new phone.Examples include Xbox 360, Nintendo Wii and Satellite Navigation systems all thrown into the deal. New companies are now looking further afield for their gifts and you can expect new offerings such as designer bags, clothes, console games, magazine subscriptions, hair straighteners and latest release gadgets. This can only mean that things are set to get far more confusing for the consumer who could be easily led into a deal that does not suit them but does offer a gift that they just cannot refuse. Imagine, the latest Nintendo Wii, on every console users ‘wish list,’ is available Free with a mobile phone with the latest technology and features. The problem being that in order to get the ‘free’ console, not only do you have to sign up to an 18 month contract but the monthly line rental is a massive 70 per month - far more than most people would want to spend on a mobile phone. Where will this all end? Perhaps it will get to the stage where there will be more ‘free gifts’ available than mobile phone models, as if the mobile market is not confusing enough already for consumers it seems set to become incomprehensible! Andrew Ramsey operates 28 different mobile phone comparison websites with direct relationships with retailers and networks who keep him constantly updated with their latest mobile phone deals on a daily basis. Article Source: http://EzineArticles.com/?expert=Andrew_Ramsey http://EzineArticles.com/?Mobile-Phone-Deals-Where-Are-They-Going?&id=434980 bad credit get personal loan no fax payday loans construction to permanent loan unsecured loan rates payday debit cards

Massachusetts Dog Bite Lawyers

June 7th, 2008 by ashargento

By Steve Valentino There are about 60 million dogs in the United States, most of which are lovable pets. Unfortunately, at times, these dogs can be ferocious and may bite. According to the Centers for Disease Control the number of dog bites requiring medical attention have been steadily rising. The number of dog bite injuries is more than the reported cases of mumps, measles and whooping cough combined. Each year about 800,000 dog bites occur nationwide that require medical care. The most harsh attacks happen because city resident select large, aggressive breeds of dogs for personal protection. If a dog has bitten anyone, they should see that they gather adequate information about the owner of the dog so as to be fairly compensated with the injury and the medical bills. Most homeowner’s insurance policies provide coverage for these types of cases. Bites from dogs may sound like they are not a big deal, but can result in severe injury and sometimes even a wrongful death claim. In such cases, a client may need a lawyer in order to compensate with the loss that has been caused. Dog bites may generally take place when somebody unknown enters the property of the owner of the dog. If anyone has been bitten by a dog or attacked by any other animal, they may have grounds for a lawsuit. If the client feels that the dog attack was due to negligence - such as not having a proper restriction or failing to properly restrain the animal the dog bite lawyers at Massachusetts help the injured to make a claim for the injury. These dog bite lawyers aggressively fight for compensation for the clients, to pay for the injury. While considering a lawsuit people need to find out a reputed lawyer to fight the cases. Currently, lawyers can be contacted by phone call or through a Web site they are listed on. Massachusetts Lawyers provides detailed information on Massachusetts Lawyers, Massachusetts Real Estate Lawyers, Massachusetts Divorce Lawyers, Massachusetts Personal Injury Lawyers and more. Massachusetts Lawyers is affiliated with Louisiana Real Estate Lawyers. Article Source: http://EzineArticles.com/?expert=Steve_Valentino http://EzineArticles.com/?Massachusetts-Dog-Bite-Lawyers&id=410274 american general loans online personal loan foe poor credit cash-out fha loan personal loan use vehicle for collateral

Nokia 6230i: The Multimedia Mobile Phone

June 1st, 2008 by ashargento

By [http://ezinearticles.com/?expert=Jennifer_Lopaz]Jennifer Lopaz The Nokia 6230i is a very slender and compact handset offering a broader feature set in the same classic design. The flexible, efficient and powerful handset shares the same classic design as the popular Nokia 6230. The phone displays colorful pictures taken by the built-in 1.3 megapixel camera with a 3 x digital zoom. The video recorder of the Nokia 6230i allows us to record videos of up to one hour. The built-in stereo music player supports several digital music formats, such as MP3, M4A and AAC. The exceptional set of features of 6230i include a 1.3 Mega pixel Camera, a improved display, an exceptionally increased internal memory, Mp3 stereo, browser that supports many html pages, PTT(Push to talk technology) and also a Bluetooth device. Push to talk technology allows us to connect to others, similar to using a walkie-talkie. With 32MB of internal memory and a 64MB MMC card included, is enough for about twenty MP3s straight out of the box.The higher resolution display makes for sharper text and graphics on-screen. The Nokia 6230i’s new 65K colour TFT display is bright and sharp, readable under harsh sunlight, and reproduces colours beautifully. The 32 MB of internal memory, which is easily expandable with removable MMC cards (up to 512 MB). The phone can be used as a storage device for photos, music and video files or even documents and presentations. An improved display and a 1.3 megapixel camera snaps stills at high quality. The Nokia 6230i seems to be a positive purchase for us. If you are looking for a classic Nokia handset, offering a good battery life and great user interface, the Nokia 6230i is for you. [http://www.mobilerainbow.co.uk]Nokia 6230i new nokia 6230i [http://www.mobilerainbow.co.uk]mobile phone offered by mobile rainbow is a one of the best mobile phone shop in uk. Article Source: http://EzineArticles.com/?expert=Jennifer_Lopaz http://EzineArticles.com/?Nokia-6230i:-The-Multimedia-Mobile-Phone&id=302027 cash advance located in san diego personal loans secured by auto is a car loan unsecured debt canada payday loans

Hobbiest Need Real Tools

May 29th, 2008 by ashargento

By Michael Wunsch Are you still buying your hobby tools from the Dollar Store because theyre cheap? Do you have an account at Big Lots? Is that set of Chinese drill bits from K-Mart really any good? The answer varies as does the quality of the tools themselves. If you spend a few minutes on the internet you can often purchase the same tools professionals use at very reasonable prices. The internet has made it possible to buy anything on-line. So why not industrial drill bits made from M7, high speed steel? On a good site you can pay the same for a high quality drill bit as you would at the dollar store. The big difference is the industrial bit will drill thousands of holes and may last a lifetime, and the dollar store bit may drill one hole, if youre lucky. Home hobbyist that make model locomotives, steam engines or any other accessories that require machining often think they need to purchase their cutting tools from the hobby shop. Instead of buying a quality carbide end mill, they end up with a Chinese made, high speed steel, end mill. Sure it works for a few cuts, then you have to baby it to finish the job. However, if you search carbide end mills on Google, youll find quite a few sites willing to sell to home hobbyist with a minimal shipping charge and no minimum order requirement. Ladies, for whatever reason, you think you need to buy pink and colorful pliers. They may look cute, but usually they are not very precise. Many times the jaws dont close correctly, and they fall apart in under a year. It doesnt have to be this way! Wait until Sears has a sale on Craftsman pliers. You can get them for the same price as the pink ones, yet theyre guaranteed for life. They open and close the way they should. Another product used by hobbyists, are taps. Taps are used to put threads inside of holes in steel and aluminum projects. Again, model makers, RC enthusiasts, steam engine builders and locomotive enthusiasts can buy taps on-line. Dont buy carbon steel taps, they wear out prematurely. Go for the best product possible, high speed steel. At sites like Kodiak, you can buy these products one piece at a time, with no minimum. The prices are excellent, shipping is very reasonable and these are the exact same tools used in thousands of machine shops around the world. No matter what your hobby, spend a little time and effort to research what the professionals use. The internet is a wonderful source of information and locations in which to make your purchases. Call the toll free number on the site and speak with a live person. Make sure the site lists a physical address, just in case you need to track them down. Once youre sure the company is legitimate..place your order. Youll be happier with quality tools. They make the job at hand more enjoyable, and you can be proud of your tooling selection for a long time to come! The author, Mike Wunsch, has been in the tooling and machining trades for over 20 years. Additionally he owns and operates http://www.kodiakcuttingtools.com , an on-line ecommerce site supplying cutting tools to machine shops and hobbyists around the country (USA). If you have questions or need help choosing cutting tools from Kodiak for your project, he can be reached at the 800 number shown at the Kodiak website. Article Source: http://EzineArticles.com/?expert=Michael_Wunsch http://EzineArticles.com/?Hobbiest-Need-Real-Tools&id=272869 payday loan no credit check what is the amount of taxes taken out of your paycheck in iowa understanding paycheck tax witholding loan manager personal edition

The Spiritual Contract of Marriage

May 26th, 2008 by ashargento

By Dan Jenkins The other day I wrote about the civil contract of marriage. Let me jump into an area of thought that is very subjective .. the spiritual. Or, is it subjective? Let’s make the observation right at the beginning that many of the lifelong marriages we’ve known about have survived incredible pressures because of their faith in God, and the shared values between husband and wife based upon that faith. The spiritual contract of marriage is a contract between the bride, the groom, and their Creator. It is a faith contract. It is a promise made in the presence of God, seeking His strength and guidance to keep the vows of the marriage contract.In this current culture, it is next to impossible to maintain the promises of a civil marriage contract in our own strength. I’d be a rich man if I received $5000 for every couple that came to me saying “we want to celebrate our incredible love for each other” and then end up divorced in a couple of years. Feelings are fickle. Those who believe that feelings are primary, and can be relied upon should stop and consider that we have an epidemic of abuse of mood altering substances in our culture. Evidently feelings are not reliable and do not have longevity. We need something more to carry us through the rough spots in life to hold to the promises of the marriage contract. Our Creator knows our weaknesses. He not only created each of us, but He created marriage and, therefore, He created romance. But, from a faith perspective, romance isn’t based upon feelings .. romance, and marriage, is based upon shared values and faith in our Creator’s purpose. Promises made “in the sight of God” are based upon more than the fickleness of human emotions. Recognition that marriage is more than the sum of two human individuals is the basis of responding to a higher Power; a higher Purpose. Do you have any idea what will happen when husband and wife pray together and for each other daily? When we ask God to bless, protect and guide our spouse, it is a lot more difficult to be unfaithful to that spouse; a lot more difficult to harbor unforgiveness for that spouse; and a lot more difficult to be disrespectful to one’s spouse. If you have not practiced the spiritual contract of marriage so far, it isn’t too late. You can begin today to pray together, and for each other. Article Source: http://EzineArticles.com/?expert=Dan_Jenkins http://EzineArticles.com/?The-Spiritual-Contract-of-Marriage&id=415098 personal asset loans how much can i borrow from a cash advance no faxing cash advance payday loans for self employed people

Overcoming Depression Biblically and Naturally

May 18th, 2008 by ashargento

By Stephen Shober PURPOSE OF ARTICLE The Bible has much to say about depression; interestingly, the causes and solutions are not what are commonly thought in Christian circles. This article will offer insights that may help erase the stigma associated with depression and to see it in a new light. When seen correctly, there is no more stigma or shame associated with depression than any other illness. UNDERSTANDING DEPRESSION What is Depression: Depression is a prolonged emotional tone dominating an individual’s outlook and mood. Normal moods of sadness, grief, and elation are typically short-lived and part of everyday life, but these can progress into a depressed mental state. Other symptoms often accompany depression but the most common symptoms of major depression are:1 deep sadness or emptiness, apathy, loss of interest or pleasure in usual activities, agitation or restlessness, physical hyperactivity or inactivity, sleep disturbances, weight/appetite disturbances, diminished ability to think or concentrate, feelings of excessive guilt, self-reproach or worthlessness, feelings of fatigue or loss of energy, and morbid thoughts of death or suicide. If a person experiences at least five of these symptoms for one month they have major depression. Mild depression would typically be defined as having two to four of these symptoms for over one month. Bipolar disorder (manic depression) includes swings from deeply depressive moods to wildly manic moods (elation, irritability, hostility, inflated thoughts of self, boasting)with many intensities and variations. Biblical Occurrences: Depression is the ascendancy and tyranny of our emotions over our lives. Thus, Proverbs 15:13 says, “A merry heart maketh a cheerful countenance; but by sorrow of the heart the spirit is broken.” Often an initiating discouragement leads to sadness, which leads to prolonged grief, and then into a downhill spiral to depression. Depression is a universal problem, but no one really knows if Biblical characters had what we call depression, or if it would be more appropriate to say they suffered emotionally. However, Paul in I Corinthians 10:13 says, “There hath no temptation taken you but such as is common to man; but God is faithful who will not suffer you to be tempted above that ye are able…”. Temptation can mean trial, calamity, or affliction. Accordingly, we should understand that our present day afflictions were also common to the great Bible characters. David was overwhelmed with grief and sadness, his heart was desolate, and his tears fell all night (Psa. 61:2, 77:2-3, 142:4, and 143:4). Jonah, Jeremiah (Jer. 15), Job, and Elijah (I Kings 19) are other examples. Whenever characters express rejection, loneliness, self-pity, hopelessness, overwhelming grief, and wish they had not been born, it seems they are expressing more than temporary sadness but classic symptoms of major depression. Paul had classic symptoms: his flesh had no rest, he was troubled on all sides, he was cast down, he had fears within, and he despaired of life (II Cor. 1:8 & 7:5-6). Hannah (I Samuel 1) had many of the symptoms of depression and her spiritual leader instantly and incorrectly accused her of a spiritual problem. Depression Considerations: Each year depression strikes ten million people in the United States. Older Christians have more depression than younger; does this mean that spiritual maturity is of no avail? No, what this indicates is that older people have more biochemical and brain malfunctions as they age; depression is a natural consequence. Similarly, more women (two to three times) have depression than men. Women do not have more spiritual problems than men, but they do process adverse events differently than men, and, they have a complex body chemistry that can get out of balance, both leading to depression. Women tend to take adverse events and internalize them and take the blamethis is a thought-processing problem. Men tend to react to the same events with escapism (sports, TV, sexual obsessions, alcohol); which can later result in heart disease, hypertension, diabetes, etc.again, a thought-processing problem but with different results. There is another difference: women tend to feel their depression (sadness/guilt) while men act it out in their behavior (rage, hostility and frustration).2 Causes: Understanding the causes of depression is very helpful to finding the solution. It is rare that there is only one causative agent, generally there are several at work. Listed below (no specific order) are some factors known to contribute to depression:3 4 5 nutrient deficiency or excess drugs (prescription, illicit, caffeine) hypoglycemia (low blood sugar) hormonal imbalances allergies heavy metals sexual abuse as a child microbial overgrowths/toxins medical conditions (stroke, heart disease, cancer, Parkinson’s, diabetes, thyroid) natural light deprivation psychological factors (generally poor thought-processing) spiritual factors Depression can have its source in our body, soul or spirit. Our body can affect our soul and spirit and vice versa. For example: if one has a low thyroid function it may affect the soul (for example the emotions) leading to depression which then affects one’s spiritual life. Affecting our spiritual life does not mean it changes our standing or position in Christ, it means things like a less productive outreach/ministry and a more self-oriented prayer life. There is now no question that reductions in frontal lobe function lie at the core of depression. Complimenting this research is the finding that depressed children have significantly smaller frontal lobes than non-depressed children. The evidence indicates that frontal lobe problems are the cause and not the effect. The frontal lobe’s proper function requires adequate blood flow and nerve chemistry. As fog veils a beautiful meadow, so depression clouds life itself; existence becomes dreary and dark. It has been described as darkness visible. One can go to bed feeling fine only to wake with an overwhelming gloom that cannot be explained or escaped. With proper nutrition, lifestyle changes and a renewed way of processing the events of our lives we can break through that fog into a sunny day. Consequences: Now that it is clear that depression is related to many factors, primarily to frontal lobe malfunction, let’s consider the consequences of depression. Depression weakens the immune system’s power to attack cancer cells, increases the risk of fatal stroke by 50%, increases the risk of sudden cardiac death in heart attack survivors by 250%, and increases the complications of pneumonia.3 It has been found that depression increase stress hormone levels, hypertension, and headaches; it complicates diabetes and is the leading cause of suicide (its close relative). The point is clear, depression should be addressed early or it may lead to fatal consequences. However, because of their illness depressed persons have diminished ability to combat their own disease, so help is often needed to lift them out of the pit of despair. How the Brain Works: By God’s design, all brain activity (every thought, feeling and emotion, every order the brain sends to the organs and cells) is the product of electrochemical signals. The brain’s electrical signals require a chemical to carry the signal across a small opening (synapse) between cells. The chemicals used to do this are called neurotransmitters. To have a properly functioning system we need an adequate amount of neurotransmitters. The neurotransmitter most commonly associated with depression is serotonin. Depressed people have low serotonin levels. Thus, they have impaired brain message sending, especially relating to emotions and mood. Serotonin is produced in the brain from tryptophan (a protein), which is converted into 5-HTP, and then into serotonin. Some serotonin is converted into melatonin, the hormone needed for proper sleep (thus the connection between depression and sleep disorders). One cause of low serotonin is the lack of an enzyme that converts tryptophan to 5-HTP.1 Before proceeding, just think how unfair it would be to tell a depressed person that is missing this needed enzyme that they have a spiritual problem. As a doctor told a dear sister in Christ who just could not understand why she could not get over her depression, “quit beating yourself up about it, your body just does not produce enough serotonin.” THERAPEUTIC CONSIDERATIONS Botanical Medicines: The Scripture makes it clear that because of sin the earth today is not yielding its strength (Gen. 4:12). As a result of this Romans 8:22 says, “For we know that the whole creation groaneth and travaileth in pain together until now.” Knowing this, the Lord has made special provisions for us. Psalms 104:14 says, “…and herb for the service of man:…”, which means the botanical (herbal) kingdom was designed for the many services of humans, including medicine. Often herbal products are slower acting than pharmaceutical medications, but the advantages of herbal supplements is that they can often affect a cure (rather than just address symptoms) and the side effects are minor compared to pharmaceutical drugs. Herbs can be considered the medicine from God’s pharmacy. The most important and well tested herbs to consider in connection with depression are:1 4 St. John’s Wort (SJW): relieves depression, anxiety, apathy, sleep disturbance, anorexia, and feeling of worthlessness. All these symptoms are caused by low serotonin and SJW increases the level of serotonin in the brain. Ginkgo biloba: improves blood flow and function of the frontal lobe. Ginkgo increases the ability of serotonin to do its job in the brain. 5-HTP: a plant extract that is just one step from becoming serotoninthe brain readily makes this conversion. It raises the level of serotonin and other brain neurotransmitters. This product overcomes the genetic problem that does not allow for the conversion of tryptophan to 5-HTP. Pharmaceutical Medications: There are times when medications can save a person’s life. If botanical medicines do not work (in conjunction with the lifestyle, thought processing, and consideration of other causes) then medications are an option. A short-term use of antidepressant drugs may be needed in order to get the mind operating sufficiently well so that a person can function. Medications generally work by keeping serotonin (or other neurotransmitters) at adequate levels in the brain’s synapses. They do not help create increased blood flow or frontal lobe function. Nutrition: A deficiency of any single nutrient can alter brain function and lead to depression, anxiety, and other mental disorders. The most common deficiencies are folic acid, vitamin B12 and B6. An insufficiency of Omega 3 fatty acids (oils) has been linked to depression. Low Omega 3 oils result in cells throughout the body and brain that do not function correctly, and the mind suffers. The needed Omega 3 oils are found in fish oils and flaxseed oil.1 3 4 5 6 The diet for helping to prevent and correct depression is based upon Biblical insights: Increase the consumption of fiber-rich plant foods (fruits, vegetables, grains, legumes, and raw nuts and seeds). Avoid alcohol, caffeine, and other stimulants; also avoid foods that cause allergic symptoms. A good diet is: low protein, high fiber, low-moderate fat, and high complex carbohydrates. Complex carbohydrates do not include simple carbohydrates (processed foods, snack foods, white bread, soda). Raw fruit has simple carbohydrates but is good because of the fiber, enzymes and antioxidants. Atkins type diets are poor; they actually lead to depression since carbohydrates are needed to get tryptophan into the brain. Foods high in tryptophan should be consumed regularly: soy flour, meats/poultry (turkey and chicken), tofu, pumpkin seeds, sesame seeds, raw nuts, eggs, lentils, and garbanzo beans. A good snack before going to bed would be a turkey sandwich on whole grain bread (there is tryptophan in the turkey and the whole grain bread will help keep sugar levels stable and help get the tryptophan get into the brain). Rule to live by: Eat foods as close to the way God created them as possible: raw, whole, and unprocessed. He created vegetables, fruit, nuts, seeds, etc. He did not create processed foods or animal meat full of antibiotics and hormones. Humans cannot improve upon God’s bounty! Lifestyle: Regular exercise and sleep are essential to combat depression. Exercise at least 30 minutes four times a week. One does not have to jog: but walking, biking, tennis, swimming, gardening, active house/yard work are great. Regular exercise takes time for the effects to be felt, sometimes weeks. We each have an internal clock that operates on a roughly 24-hour schedule (circadian rhythm). Even mentally healthy people can become depressed if the circadian rhythms are significantly disturbed. Seasonal Affective Disorder is common in the winter months in northern climates because the lack of natural sunlight disrupts these rhythms. Direct exposure to bright full spectrum light can help, or, the serotonin boosting botanical medicines. A common factor leading to depression is hypoglycemia (low blood sugar); the brain requires a constant supply of blood sugar to function properly. Thyroid insufficiency also causes depression. Women with post-partum depression and those approaching menopause (symptoms often start by mid-30 age) are subject to hormonal disturbances that lead to depression.1 5 7 Biblical Thought-Processing: How we handle bad or disappointing news has a profound effect upon our mental well-being. As long as we believe we are victims, we are not able to achieve full mental health.9 Positive thinking is more important for overall health than almost anything else. Negative thinking, on the contrary, can destroy the good done by correct diet and lifestyle.10 Many depressed people have a tendency to look at the down side of life. It has been said that it is a positive duty to resist melancholy and discontented thoughts as much as it is our duty to pray. Certainly there will always be things in this imperfect world that give us cause to complain. Often we are helpless to personally do anything about many of these negative things. However, we can focus our mind on the enjoyable and wonderful things of life; this is scriptural, uplifting and therapeutic. In our self-talk (how we silently talk and think to ourselves) we must replace the negative/compulsive thoughts with Philippians 4:8. But each person must search-out those things that are true, honest, just, pure, etc.that is the purpose of meditating on God’s Word. As soon as the conscious awareness of an unconstructive negative thought is realized, a positive thought must immediately replace it. This takes practice and preparation, but brings our thinking into captivity. The instruction of II Corinthians 10:5 & 6 is, “…and bringing into captivity every thought to the obedience of Christ. And having in a readiness to revenge all disobedience, when your obedience is fulfilled.” Applying these words to ourselves, we cannot allow ourselves to entertain negative thoughts, even if true, even if we have been wronged (Prov. 12:25, 15:13, 18:14). Nor can we entertain compulsive thoughts (thoughts that just keep running over and over again in our mind even though they may not be negative in nature). The essential basics of cognitive behavioral therapy are shown below; each person should provide their own verses to make them more personal and meaningful. Whether in the natural world or in the realm of the mind, science comes to the same conclusion as revealed in the Bible 2000 years ago. Locate and identify the negative thoughts or misbelief in your self-talk. “I am no good because things are not like what I expect or want.” Argue against the negative thoughts. “I am not a failure just because I do not meet unrealistic expectations of myself or others.” Learn how to avoid rumination (the constant churning of thoughts in one’s mind) by immediately changing your thoughts. Replace the negative thoughts the very second they occur with the truth and with empowering positive thoughts and beliefs. “In spite of the sorrow, disappointments and feelings I experience the Lord will help me carry on.”8 Finally, Philippians 3:13 & 14 says, “…but this one thing I do, forgetting those things which are behind, and reaching forth unto those things which are before, I press toward the mark for the prize of the high calling of God in Christ Jesus.” Paul is using a runner’s analogy to put the past and future in their proper perspective. He says that runners in a race cannot look back to see where the other runners are, for if they do they may stumble or get out of their lane and be disqualified. A runner can only look ahead and stretch forward, making the focus the finish line, not what may be behind. We are on a track, running life’s race. The most incredible thing is that each Christian is the only person on his/her track. One does not have to be all that fast, but steady. The only thing that is behind us on our track is our past (forgetting those things that are behind), with its failures, abuses, hurts, regrets, accomplishments, or fame. If you have your eye on the prize the past cannot hurt/catch you. The past contains the thoughts that Paul says to forget about, certainly do not ruminate about them, if you do you will stumble (have mental problems). He implies a Christian’s greatest point of failure in running the race is letting the past keep him/her from running well. Look ahead, stretch forward toward a new day and thank God for all you have in Christ Jesus our Lord. Spiritual Direction: Depression can have a spiritual source if we live in sin, harbor anger or resentment, etc. We have to be willing to forgive (make the unnatural decision to let someone “off the hook” even though they do not ask or deserve it) just as God for Christ’s sake has forgiven us, Ephesians 4:32. (Note, we forgive because we already have been forgiven, not to be forgiven as is the case in the Gospels.) Regular spiritual exercise (reading, studying, praying, meditation on the Word) requires use of the frontal lobe of the brain and emphasizes communion with God, thinking His thoughts, sensing His presence, and knowing His will. This is active worship and produces the type of brain waves in the frontal lobe that are very helpful for us all, including the depressed. Hypnosis and the trance-like state of Eastern religious meditation are very harmful; they produce the wrong type of brain waves and information bypasses the frontal lobe, leading to possible mind control.3 Romans 12:2 says, “And be not conformed to this world: but be ye transformed by the renewing of your mind, that ye may prove what is that good, and acceptable, and perfect, will of God.” Transformed in Greek is metamorphosis and means a change in form; it implies a struggle like when a chrysalis morphs into a butterfly. If we do not become changed from the inside-outif we do not morphwe will be tempted to find external things to satisfy our needs. Transformation is not an instantaneous act of God, it is a life-long process (journey). One does not get transformed by just praying, asking or believing; there is no “microwave” (quick and easy) way to spiritual maturity.The passive voice in Romans 12:2 means the Holy Spirit will do the transforming for us if we cooperate with Him (listening, yielding, relying…). Expect spiritual advancement, you can always mature more, Philippians 3:15-16. Your imperfections will be revealed by the Holy Spirit so that you may continue to grow and become more complete (not sinless, but well-rounded). Maturity versus infancy is the issue. God loves you just the way you are, but refuses to leave you that way; He wants you to be made conformable to Christ, II Corinthians 3:18. Our Lord stripped himself of His glory and “…made himself of no reputation, and took upon him the form of a servant, and was made in the likeness of men…and became obedient unto death…” (Phil. 2:7 & 8). His life reminds us of our spiritual growth which often imposes tough lessons, sometimes so tough we shrink back from learning them. It seems we have to learn from actual experience that whatever we depend upon in this life (for joy, comfort, acceptance, etc.), ends up controlling us. God allows and uses life’s events to teach us about misplaced dependencies, so that we finally grasp the concept that Christ is our one true sufficiency. Endnotes Textbook of Natural Medicine, 2nd Edition, J. Pizzorno, ND & M. Murray, ND, Bastyr University. Unmasking Male Depression, Archibald Hart, PhD, Word Publications. Depression the Way Out, Neil Nedley, MD, Nedley Publishing. 5-HTP The Natural Way to Overcome Depression, Obesity & Insomnia, M. Murray, ND, Bantom Books. Endocrinology and Naturopathic Therapies, 4th Edition, D. Powell, ND, Bastyr University. Naturopathic Gastroenterology, E. Yarnell, ND, Naturopathic Medical Press. What Your Doctor May NOT tell you About Premenopause, J. Lee, MD, & J. Hanley, MD, Time-Warner Publishing. Telling Yourself the Truth, W. Backus, MD, & M. Chapian, Bethany House Publ. The Blessings of Brokenness, Dr. C. Stanley, Zondervan Publishing House. Your Health Your Choice, M. T. Morter, DC, Lifetime Books, Inc. Disclaimer: This article is not intended to provide medical diagnosis, offer prescriptive advice or substitute for a personal health care provider. Anyone taking prescription medications, or wishing to significantly change his/her lifestyle, is advised to consult with a medical professional with appropriate expertise. Steve Shober is a Naturopath (natural health practitioner) and a member of the Berean Bible Society Board of Directors. If you have questions about this article, would like more information on the use of herbal products, nutrition or lifestyle issues, or would like a presentation on depression at your church, contact him at: Biblical Health Ministries, 7179 Clover Hill Dr., Waunakee, WI 53597; or shober@chorus.net. Biblical Health Ministries is a non-profit ministry dedicated to teaching God’s provisions for our health. Article Source: http://EzineArticles.com/?expert=Stephen_Shober http://EzineArticles.com/?Overcoming-Depression-Biblically-and-Naturally&id=234894 cheap payday loans reliance personal loans goa sba loan for women no teletrack short term loans

Job Interview Skills - Going for a Job

May 14th, 2008 by ashargento

By Robin Chandler You hear all sorts of rules about job interview success: * people decide about you in the first 10 seconds * you have to make a good first impression * always ask insightful job interview questions * learn as much as you can about the company * they’ll probably ask interview questions designed to trip you up * have some quick answers to interview questions at the ready Not bad, as far as rules go: some of them make perfect sense. But getting the job you want isn’t about following rules or giving the ‘right’ interview answer. It’s about presenting yourself in the most authentic way that takes care of you and the interviewers at the same time. So many people chuck their chances away: they don’t take enough care and interview preparation time so that the whole process is enjoyable, stimulating and informative for both parties. Your First Opportunity: Getting The Interview If you want the job, chances are so do about a million other eager people, so your application has to stand out from the crowd. British CVs are usually dull and boring, and people create them as historical documents, rather than as marketing tools. You can boost your chances of getting an interview by making your CV look and ’sound’ special. Use good paper, design a personal logo, fiddle with the layout to make it easy on the eyes. Edit it ruthlessly. People always put in too much detail. Highlight the bits that relate to the job you’re going for. They don’t need to know you went to St Mary’s School when you were 12! Put ‘who you are now’ at the beginning of your CV, and leave education and qualifications for the end. If you don’t have what you think are the right educational qualifications, don’t worry. Just leave them off. If you include enough interesting and intriguing material about who you are now, what you didn’t do is far less important. I recommend a short paragraph at the beginning that says something about your personal qualities and your business skills. A short statement about what you’re seeking can also go down a treat. As we know, a job for life is so rare nowadays, that eclectic, unusual and even inconsistent CVs are OK as long as they’re presented well. Even if you think your current job stinks, look at the good points as though you were looking at it from the outside in. Most jobs appear much better from the outside than they do from the inside (only you know the real truth); so pump up the goodies and soft-pedal the baddies! So that worked. You’ve got the Interview; now what? Preparing For a Job Interview Here’s the key and the most important thing to remember when preparing for interview Before you go through the door, tell yourself that unless they are simply going through the motions because they’ve already appointed someone, they want it to be you. They want to know their search is over, so for the length of the interview, the job is yours. You need to make the most of it. Having said that, first impressions are incredibly important. Be yourself right from the start, turning up the volume on those bits of you that most match the job; turning down the volume on the bits that don’t. However, never ever shut the volume off entirely, as you will then be pretending to be someone you’re not - a sure recipe for disaster. Not a good idea to lie! You can be judicious with the truth, but lies have a tendency to return and bite you in the bum! Even if they don’t know you’ve lied, you will be giving out signals that are a give-away that something is wrong. Being put on the spot can feel very uncomfortable, and it’s easy to fall into a defensive posture. If you’re not sure of answering interview questions or feel boxed into a corner it’s all right to buy time - including saying ‘I need some time to think about that.’ No matter how nervous you are, you do need to look after the people interviewing you. Show that you know how to communicate and relate to people: ask surprising questions. Have a stockpile of question to ask at interview and anecdotes of past triumphs (and even a few disasters, as long as their funny or humorous side is apparent). This is not just a list of what you can do, but some personal examples that paint the whole picture. There are no right answers to job interview questioning. In fact a good interview question is one that allows you a chance to talk about yourself. Job Interview Follow-up At the end of your interview, if you haven’t been advised, ask when they think they’ll be making their decision. At least then you’ll know how long youll have to wait before you hear. Many places don’t automatically let people know if they haven’t got the job; so one follow-up call is allowable. More than that and it can feel like badgering. No matter how badly you think the interview went, if you want the job, always send a follow-up interview thank you letter. Since most of us think of clever things to say after the fact, include one or two of those, referring to something specific from the interview. Use phrases such as: ‘I’ve given a lot of thought to our interview and…’ ‘Something you mentioned got me thinking…’ ‘What you said about _______ really struck home…’ If you don’t get the job and you’re curious why not, phone up and get some feedback. It may help you for the next interview. Happy job hunting! Jo Ellen and Robin run Impact Factory a training company who provide Interview Skills, Public Speaking, Presentation Skills, Communications Training, Leadership Development and Executive Coaching for Individuals. Article Source: http://EzineArticles.com/?expert=Robin_Chandler http://EzineArticles.com/?Job-Interview-Skills—Going-for-a-Job&id=113635 personal loan forms buy a goldwing with no credit check need a gauranteed payday loan today online commercial loan database

Methods of Fasting

May 9th, 2008 by ashargento

By Grata Young The best, safest and most effective method of fasting is juice fasting. Although the old classic form of fasting was a pure water fast, most of the leading authorities on fasting today agree that juice fasting is far superior to a water fast. According to Dr. Rangar Berg, the worldfamous authority on nutrition, “During fasting the body burns up and excretes huge amounts of accumulated wastes. We can help this cleansing process by drinking alkaline juice instead of water while fasting… Elimination of uric acid and other inorganic acids will be accelerated. And sugars in juices will strengthen the heart … juice fasting is, therefore, the best form of fasting.” Vitamins, minerals, enzymes and trace elements in fresh, raw vegetable and fruit juices are extremely beneficial in normalising all the body processes. They supply essential elements for the bodys own healing activity and cell renegeration and thus speeding the recovery. All juices should be prepared from fresh fruit immediately before drinking. Canned or frozen juices should not be used. A precautionary measure which must be observed in all cases of fasting is the complete emptying of the bowels at the beginning of the fast by enema so that the patient is not bothered by gas or decomposing matter formed from the excrements remaining in the body. Enemas should be administered at least every alternate day during the fasting period. The patient should get as much fresh air as possible and should drink plain lukewarm water when thirsty. Fresh juices may be diluted with pure water. The total liquid intake should be approximately six to eight glasses. A lot of energy is spent during the fast in the process of eliminating accumulated poisons and toxic waste materials. It is, therfore, of utmost importance that the patients gets as much physical rest and mental relaxation as possible during the fast. IN cases of fasts in which fruit juices are taken, especially when fresh grapes, oranges or grapefruit are used exclusively, the toxic wastes enter the blood -stream rapidly, resulting in an overload of toxic matter, which affects normal bodily functions. This often results in dizzy spells, followed by diarrhoea and vomiting. If this physical reaction persists, it is advisable to discontinue the fast and take cooked vegetables containing adequate roughage such as spinach and beets until the body functioning returns to normal. The overweight person finds it much easier to go without food. Loss of weight causes no fear and the patients attitude makes fasting almost a pleasure. The first days hunger pangs are perhaps the most difficult to bear. The craving for food will, however, gradually decrease as the fast progresses. Seriously sick persons have no desire for food and fasting comes naturally to them. The simples rule is to stop eating until the appetite returns or until one feels completely well. Only very simple exercises like short walks may be undertaken during the fast. A warm water or neutral bath may be taken during the period. Cold baths are not advisable. Sun and air baths should be taken daily. Fasting sometimes produces a state of sleeplessness which can be overcome by a warm tub bath, hot water bottles at the feet and by drinking one or two glasses of hot water. To learn more about the energy principle in healing, please read: Cost-free Miracle Asthma Cure Overcome Type I Diabetes and Type II Diabetes Naturally Alternative Treatments for Incurable Diseases made easy Article Source: http://EzineArticles.com/?expert=Grata_Young http://EzineArticles.com/?Methods-of-Fasting&id=114032 1500 bad credit loan people loaning money no faxing required military payday loans undecured personal loan 20000