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Why Consumers Should Still Worry About Mortgages

August 31st, 2009

mortgage-rate-trends.jpgIn the second year of the recession, consumers have good reasons to worry about the health of the U.S. housing industry. Good real estate deals are easy to find in a buyer’s market because consumers can benefit from short sales and widespread auctions of foreclosed homes. While mortgage lenders continue to receive the stabilizing assistance of the government bailout, the housing market has not recovered.

Potential homebuyers can still find relatively low interest rates. In April 2009, the average interest rate for a 30-year fixed mortgage still hovered just below 4.9%. Meanwhile, mortgage lenders like Wells Fargo face other problems. Here is a brief discussion of three signs that the mortgage market has a long way to go—higher credit costs, growing unemployment, and rampant loan modifications.

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Socks for Hill Walking

August 30th, 2009

walking-socks.jpgWhile most people select their footwear carefully, knowing that a badly fitting pair could mean sore and blistered feet, not many pay such attention to their choice of socks. Yet, although obviously less crucial to comfort than your footwear, socks do make a difference and some types perform and last better than others.

Wool Socks

Socks have four functions. These are to help cushion your feet from the hard ground, to absorb the moisture given off by your feet and carry it away from your skin, to minimize friction from your footwear, and to insulate your feet from the cold and, to a lesser extent, heat. Wool performs these functions better than anything else and is still unequalled for socks. Some synthetics may work well at one or more functions but none will do all four like wool. Cotton does all of them very badly and should be avoided for walking socks. In particular it soaks up water and then takes ages to dry, chilling your feet in the process.

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The Importance of Values in Local Political Campaigns

August 29th, 2009

political-campaign-values.jpgA long history of questionable tactics in politics can leave a bad taste in the potential voter’s mouth. However, voters must evaluate candidates for public office each year at different levels of local government, including boards and commissions of townships, school districts, water management districts, cities, and counties. When political campaigns are conducted the local level, it is important that the voters get to know the issues.

A local candidate is someone who voters can get to know by attending a local speech. News media coverage does not serve as the only source of voter decision making. When you consider who to vote for, the values that candidates represent are important. How about judging a person’s suitability for office based on a record of clean campaigning without dirty politics? Here are four questions to help you decide which candidate to support with your vote in the next local election.

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The Most Effective Home Remedies for Sunburn

August 28th, 2009

sunburn-relief-treatment.jpgWhen it comes to sunburn, an ounce of prevention can help you avoid potentially serious conditions down the road. Sun damage in childhood greatly increases the risk of skin cancer in adulthood. According to the American Academy of Dermatology (AAD), 90% of skin cancers are caused by direct exposure of the skin to damaging UV rays. Sunburn also damages the immune system, making the body more susceptible to infections and cancers. Even in the winter months and on cloudy days, care should be taken to use sunscreen and wear protective clothing. When sunburns do occur, it is important to act quickly to prevent and reverse as much of the damage as possible. Use the following home remedies to safely and effectively treat sunburned skin.

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Is Drop Shipping the Right Selling Technique for You?

August 27th, 2009

drop-shipping-how-to-sell.jpgDrop shipping is a technique used by retailers as an effective business tool. This is the term used to describe what happens when a merchant accepts orders for products, and then pays a manufacturer or distributor to ship the product directly to the customer. The distributor typically charges a wholesale price to the retailer and the profit is made by the difference between the retail and wholesale price.

Online auction websites such as eBay have many members that will drop ship. The way this works is that a seller will list an item for sale as new and then will have the wholesaler ship the item to the highest bidder. The seller of the item profits by pocketing the difference between the final bid and the wholesale price that needs to be paid for the item. The seller will also need to pay any selling fees that are incurred. The dropshipper will stock merchandise and will sell it to you, but will ship it to the customer on your behalf.

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An Introduction to Art Therapy

August 26th, 2009

art-therapy-information.jpgArt therapy is the use of creative art as a means of expression for rehabilitation and personal development. It was developed in the 1940s by the artist Adrian Hill who devised the technique by working informally with patients in sanatoriums and hospitals. During the Second World War artists employed in hospitals used his techniques to help with rehabilitating soldiers and the sick. Today art therapy is used by doctors, psychiatrists, and psychotherapists worldwide to help people with physical, mental, emotional, or learning problems.

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Seven Instances Where Herbal Treatment Is Optimal

August 25th, 2009

herbal-treatment-options.jpgHerbs have been used to treat conditions of all kinds for thousands of years. Ancient medical systems such as Traditional Chinese Medicine and Ayurveda have been turning to nature to cure myriad health problems with great success. Herbal therapies are slowly gaining acceptance in the western world as we are looking to find more natural ways to treat and prevent illnesses. However, it is important to know when it is most effective to use natural treatments as they are not appropriate in many situations. While most herbal treatments are quite safe, there can be interactions with standard medications. It is advisable to consult with an experienced health care professional before designing a treatment plan for specific conditions.

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Find People Records Using the Internet

August 24th, 2009

people-search-finder.jpgThere are various websites that will let you find records of people who have email addresses just by typing in first and last names. These are known as email search engines. They work in a similar way to regular search engines, but are designed specially for email addresses. Trying to find someone’s email address can be tricky. Many of the addresses they contain are taken from people who have registered with them. Many people don’t want their email addresses to be found in case they are subjected to spam.

When carrying out a search for an email address, you will have more success if you can provide as many sources as possible. These include first names, last names, state, and domain name. The results are simple and usually consist of just email addresses. Sometimes they may give you a rough location or a city of residence.

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Step by Step Process of Purchasing a Home

August 23rd, 2009

buying-house-step-by-step.jpgPurchasing a home can be one of the most difficult decisions that anyone will ever have to make in life. With that being said, it is important to do your homework before jumping blindly into a purchase that you will live to regret. Here are a few factors that should be considered before making that all important decision on buying a house.

Prequalification:

While it is important to have a good idea about where you would like your next residence to be, it is even more important to know how much money you qualify to borrow for that home. After all, there is no point in falling in love with a house only to realize that the monthly payments will exceed your budget. Before doing anything else, you should meet with your realtor and have them run your credit report so you can determine what kind of house you will be able to afford.

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How to Lower Your Blood Pressure Without Medication

August 22nd, 2009

blood-pressure-reduce.jpgIf foods we eat and certain lifestyle activities can cause elevated blood pressure, then it makes sense that by correcting our eating habits and making changes to our lifestyle we can lower blood pressure. There are several things anyone can do to help control their blood pressure without drugs, or to lower it enough so that a medication dosage can be scaled back. Diet is certainly a contributing factor.



  1. The relationship between a high sodium diet and hypertension is well documented; however, only about 40% of people are truly salt sensitive. There is some controversy over the importance of salt, but when we look at the fact that most Americans consume up to 50 times the recommended limit of daily salt intake, it is clear that reducing the level of salt in the diet can be a healthy change for anyone.

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How to Make Your Own Fish Tank Aquarium

August 21st, 2009

fish-tank-aquarium-make-your-own.jpgIf you want to make your own fish tank aquarium, you will have to make sure that you get the construction right in order to ensure that your tank remains standing. Poorly constructed aquariums can create a huge mess by not having the ability to hold the water you place inside of it.

First, purchase all of the materials needed to make your own fish tank aquarium. This will include four panels of glass, a steel tank stand, and a silicone adhesive. Most of these items you can purchase from a hardware store and pet store.

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