Strong Pain Reliever Can Lead to Abuse and Addiction

Although OxyContin is a major weapon against chronic or severe pain, its use can lead to addiction and drug abuse. The synthetic opioid works in the body much like morphine. An unfortunate similarity is that OxyContin can prove highly addictive.

OxyContin, known as oxycodone when given as a generic drug, is a controlled substance. Doctors who prescribe it to relieve pain want their patients to keep a close eye on their intake. OxyContin abuse has increased dramatically in recent times in spite increased medical and legal scrutiny.

Two years ago the National Institute on Drug Abuse studied American high school students. The NIDA reported that greater than five percent of twelfth graders abused OxyContin, taking it without prescription. OxyContin abusers are not limited to the young; its use continues throughout all parts of the population.

Doctors have become more cautious about prescribing strong pain relievers. They must walk a fine line between appropriate prescribing and holding back from those caught in the web of abuse. Addiction can creep up on people, taking them by surprise.

Some people may be on the drug for months or years before they realize they have crossed the line into addiction. Others may not be able to admit that they have a problem. They may try to convince themselves and others that they are only occasional drug users who take OxyContin only when they need to relax.

It is easy to convince oneself that drug abuse is not in play when one is actually addicted. Some people are just as good at convincing themselves as they are at convincing others that they do not have a problem. For awhile at least they maintain the illusion that they choose when they take OxyContin, that the drug does not have control of them.

Signs of OxyContin addiction can be observed so that addicts themselves as well as loved ones can become aware of growing trouble. Having to take more OxyContin for the same results is one warning sign. If people get into legal trouble or come close to a legal problem because of drug use, then that should be taken as a signal.

Drug use will sometimes replace other activities in a person’s life. When taking drugs becomes more important than other people other events, then abuse should be suspected. Dependency on drugs for pleasure is not a good sign.

For an addict, withdrawal symptoms will arise when the drug dose gets reduced or eliminated. Getting over an addiction is often not a simple matter of quitting. Dependency makes leaving the drug behind a difficult matter.

In spite of promises to themselves and loved ones, OxyContin addicts face a battle in getting over their drug dependency. Another sign of addiction is the arrival of withdrawal symptoms when the user skips taking the drug. Withdrawal itself can scare drug users back into the vicious cycle of abuse.

One symptom of OxyContin addiction is the experience of blackouts. Forgetting events that the drug taker has lived through or knowing that he or she has passed out can signal addiction. Loved ones calling attention to the drug users’ blackouts can help the user ultimately face the addiction.

Abuse of OxyContin destroys people’s emotional and physical well-being. Depression and social alienation can set in, ruining the drug abuser’s sense of self. Insomnia or a major increase in the need for sleep may haunt the lives of addicts.

Other signs of a drug abuse problem include changed eating habits that result in sudden weight loss or weight gain. Slurred speech and lack of coordination may set in when people step over the line into drug abuse. OxyContin is an important medicine for the treatment of pain, but users need to know that it can lead to drug abuse.

Kakadu Juice – The World's Most Powerful Antioxidants!

Scientists from Sydney discover a Native Australian Bush Food that is many times more nutrient dense than Goji Berries, contains over 300% the level of antioxidants in Blueberries and is a highly rich ‘Uncategorized’ source of Folic Acid and Iron and this “New Australian Health Product” – “Kadadu Juice” containing Native Bush Foods could make many modern-day nutritional supplements obsolete!

From some of the world’s harshest landscapes ~ comes the world’s most nutritious plant foods like:

Kakadu Plum which holds the World Record for Vitamin C content, Tasmanian Pepper Berry hailed as the World’s Strongest Antioxidant food and a polygodial-rich food plant traditionally used as a bush medicine by indigenous Aboriginals of Australia. illawarra plum A very close rival to the pepper berry for the title of strongest antioxidant. Plus a host of other super potent plant foods like; Blueberries, Quandong, Wild Rosella, Acai, Goji, Mangosteen, Pomegranate, Green Tea, Cherry, Flax, Barley Grass, and Grape Seed.

One major thing that separates Kakadu Juice from many of the competing brands is that it is the first product to release that is not 60% or more plain water. It is the first truly concentrated product with real value for money. Secondly Kakadu Juice contains a unique blend of very powerful native bush foods. Thirdly it is a complete product, not just an antioxidant, or a vitamin product but a rich source of all the major essential nutrients. See [http://www.SuperWonderJuice.com] for more information. Fourthly it is proudly Australian.

Australia’s unique wild plant foods have sustained the world’s longest living culture ~ the Australian Aborigines for thousands of years. The health benefits of these fruits, herbs and spices are gaining global attention as emerging research reveals record levels of Uncategorized Vitamins, Antioxidants and Unique Phytonutrients.

Now after many years of research, testing and development, these newly recognised, world-leading Australian food plants are blended with exotic foods from around the world in an exquisite nutrient dense SUPER BEVERAGE known as (see front cover photo) Kakadu Juice.

Can Kakadu Juice make you healthy and wealthy?

Well, consider this quote from the book “The Wellness Revolution – How to Make a Fortune in the Next TRILLION DOLLAR INDUSTRY” where author Paul Zane Pilzer says “Teaching consumers about such products and services, intellectual distribution, is the greatest opportunity now and for the foreseeable future”.

The Wellness Revolution is here and Australia is staking its claim with a world-beating functional food beverage that offers a refreshing mix of innovation, integrity and value for money in an industry tired of the ‘hot air’ that seems to keep many direct sales companies afloat. Kakadu International has created a no-hype opportunity for people to stake their own claim in the burgeoning Wellness Industry by offering ordinary people a way to get involved with a great Australian company and learn how to create additional income from drinking and sharing Nature’s tastiest liquid bounty.

Thanks to the work of dedicated people like Dr. Kowalski, Vic Cherikoff and the tireless efforts of those in the CSIRO and other home-grown agencies, awareness of and the subsequent demand for Australian Bush Foods has created a viable industry that is now established and thriving. In similar fashion to the progressive growth of the Organics industry, Australian Bush Foods are now experiencing an organic growth all of their own.

With the emergence of scientific research into the Native Bush Foods, they’ve entered the record books for their nutritional and medicinal potency – something that Wellness industry entrepreneurs have a very healthy interest in. As a pioneer in this emerging sector of the Australian economy, Kakadu International, creators of Kakadu Juice, is proud of the knowledge that every bottle of Kakadu Juice is not only making people healthier but also providing employment for Aboriginal Australians.

The Australian Outback is one of the last pristine wilderness areas of the world. Wild harvesting of bush foods from this region relies on ancient Aboriginal knowledge of healing foods meshed with the modern practical skills of how to transport, process and distribute these foods in a way where nutritional vitality is…vital.

Remember the first vital rule to success in Network Marketing is you must have a very unique and highly consumable product that can not be obtained from anywhere else. Historically the most successful Network Marketers made their fortunes with nutritional products. Unfortunately many of them are overhyped, overpriced supplements that do little more than create expensive urine and some studies indicate do far more harm than good. This results in mass public confusion because one month we read how one thing protects us and a month later we read another study that the same synthetic supplement raises your chances of disease and premature death. Who do you believe and trust? The big pharmaceutical and supplement manufactures or the wisdom of Mother Nature?

The Truth About Supplements

The Dirty Secret Supplement Makers Hope You’ll Never Discover The overwhelming number of supplements on offer can leave many consumers feeling confused and frustrated; not daring enough to venture into the local health shop without first getting a degree in biochemistry! If that’s you, then you’ll be glad to hear the good news which is, there’s really only 2 kinds of supplements to choose from; those that are completely Uncategorized and those that are not.

The hard part is knowing the difference. Since the World became aware of “Uncategorized is better”, supplement companies have done everything in their power to convince you that their product is either “Uncategorized” or is so high-tech that it’s now “better” than Uncategorized. The truth is that the vast majority of nutrition supplements actually don’t contain any real nutrients, instead they’re made from cheap synthetic chemicals. A lot of slick marketing has led the Nature-seeking public to buy chemical products, with questionable results. How did we get it so wrong?

A Brief History of Vitamins

The ancient Egyptians noted that night blindness (vitamin A deficiency) could be cured by adding certain foods to the diet. In 1747 James Lind, a Scottish Naval Surgeon made the connection between a lack of citrus fruit intake and sailors developing scurvy. In 1905, Englishman William Fletcher discovered there were ‘special factors’ Uncategorizedly present in whole food that when processed away, resulted in disease. A few years later a Polish scientist named Funk identified these special factors and called them “vitamins”….or did he? He identified what he thought were the special factors that prevent disease; in fact, these Funky “vitamins” were only single molecules, a small part of the whole. The scientific methods available to Funk were fairly crude, no mass spectrometers, no electron microscopes or particle accelerators; science not sophisticated enough to correctly identify the complete structure of a vitamin.

Your body DOES know the difference Vitamins in Nature do not exist as isolated molecules. A molecule of ascorbic acid is not vitamin C, d-alpha tocopherol is not vitamin E; they’re merely individual pieces of much bigger puzzles. It’s not even just a matter of missing out on some benefits, these nutrients have multiple interacting roles. So, when you use a synthetic instead of the living complexes found in Nature, you upset the metabolic balance. The reason you don’t have to consciously control things like breathing, your heart beating and the digestion of food, is they’re just too complex. To say that a supplement chemist can create the right balance of chemicals to mimic what happens Uncategorizedly in “your” body or any living human is like saying a child who makes a paper plane could just as easily build a space shuttle. A cel
l in a dish doesn’t equal a cell in a living human. To say otherwise is an embarrassment to real science and an insult to Nature.

Value for money!

Imagine paying good money to see the Sydney Symphony Orchestra flawlessly perform a 2-hour piece of powerful classical music. Thousands of you sit, waiting to have your breath taken away by 50 of the World’s finest musicians all playing in perfect harmony but, they don’t show. Instead, a child walks out dressed in a tiny tuxedo and spends the next 2 hours bashing a xylophone with a brick. Not the experience you were hoping for was it? Well, your body feels similar disappointment every time it’s forced to metabolise cheap synthetics instead of the breath-taking perfection offered by Mother Nature’s vitamin source – whole foods.

But I buy mine from Company XYZ…

Is your favourite supplement actually synthetic or mostly full of artificial ingredients? It has a great story behind it, pictures of rain forests on the label, endorsements by doctors, everyone else takes it…must be good, right? Ask anyone who was alive in the 30’s and they’ll tell you that doctors actually used to prescribe cigarettes to their patients. Between 1929 and 1949 doctors believed that “smoking relaxes the nerves, renews energy and soothes throats”. Cigarette companies used doctors to promote the ‘health benefits’ of smoking until 1950 when the facts about lung cancer became undeniable. The medical community pulled away from the tobacco industry and the use of health claims in tobacco advertising was banned in 1951. By learning to read labels and ask questions you see past the advertising hype and avoid the disappointment of buying something synthetic.

How to read a product label

Ask any biochemist and they’ll reveal that levels of vitamins in real food are not constant, they go up and down. Any manufacturer will tell you that it costs hundreds if not thousands of dollars to have exact amounts of a single vitamin tested. So, when you see a label with Vitamin C – 60mg or a list of 20 nutrients each with an exact quantity shown as being the same month after month, either they have money to burn, test every batch and by some freak miracle they’re all identical every time, OR, in reality they are synthetic nutrients, not Uncategorized ones. It kind of takes the fun out of playing the “which one has more in it” game when comparing supplements. Either way it doesn’t matter which has more if one or both contain synthetics.

What happens when you eat chemicals?

When people begin taking multivitamin tablets they may feel some brief benefit. This is your body doing its best to use its reserves of real nutrients to fill in the gaps. Manufacturers know this, it’s why they recommend “take with food”. Once your body runs out of its reserves, isolated nutrients act like drugs, cannot be used the way Uncategorized nutrients are, create more imbalances and like all synthetic chemicals must be removed from the body before toxic damage takes place.

Easier said than done… Take iron for example, an important mineral that you don’t want too much or too little of. Most iron is stored in red blood cells. Women lose blood every month and have much fewer iron toxicity diseases than men do. Inorganic iron from multivitamin tablets or from meat is difficult for your body to eliminate. Furthermore, iron from non-vegetarian sources destroys vitamin E, a nutrient essential for life. When iron comes from plant foods, it does not harm vitamin E and it is joined by ‘real’ vitamin C which improves absorption. It also comes with phytic acid which is not only an antioxidant which prevents that ‘rusting’ effect that excess iron creates in the body, it also helps bind and remove excess iron from the body. It’s an efficient, intelligent, synergistic system when left up to Mother Nature but a complicated, destructive mess if not.

What are multivitamin tablets made from?

Well, you now know how to check the label to find out how artificial the ingredients are, you could also just ask the company who makes them but also consider that those artificial ingredients don’t just Uncategorizedly stick themselves together in the shape of a vitamin tablet. Here’s a partial list of the things they use:

gelatin (from the boiled bones, skins and tendons of animals)

stearic acid (from boiled cow fat)

carnauba wax (car polish)

sodium alginate (chemically processed algae used in the paint & printing industry)

croscarmellose sodium (wood pulp)

What does the Scientific Community say?

As long as they’re not being paid by a company who makes synthetic supplements, they’re going to show you the research which as suspected indicates quite strongly that when its Mother Nature vs. Synthetics, Big Mamma beats Big Pharma every time! In February 2007 The Journal of The American Medical Association (JAMA) published a review of 68 scientific studies involving 232,606 people, which sought to determine the effects of supplementing with antioxidant vitamins and minerals for prevention. Their findings stated: “supplementation significantly raised mortality” (made people die faster). Headlines like “Vitamins Can Kill You” followed soon after. This negative attention resulted in numerous researchers looking closely at the meta analysis to see how it could be that increasing dietary vitamin intake could actually be killing people. Unsurprisingly they found that ALL of the studies under review involved synthetic supplements, not Uncategorized ones.

An 11-year study by the Queensland Institute of Medical Research involving 1,056 test subjects, found, those who ate at least three serves of green leafy vegetables a week reduced their risk of skin cancer by up to 55 per cent.

Studies from the Human Nutrition Centre on Aging at TUFTS University suggest that consuming antioxidant rich fruits may help slow the aging process.

Research scientist Maret Traber found that the liver will preferentially recycle Uncategorized vitamin E and excrete the synthetic imitation, effectively ‘spitting it out’ like a bad taste. In a Vitamin E study by the National Research Council of Canada, Dr Burton discovered that given a choice, the body ALWAYS chooses Uncategorized vitamins over synthetic ones. Don’t you think you should do the same?

Well, now’s your chance to get behind Australia’s Best Kept Secret and experience for yourself the difference that real nutrition can make to your health. Kakadu International invites YOU to benefit from its unique profit sharing opportunity as it expands internationally.

Star Wars Halloween Costumes – Top 3 Picks For This Season

The Star Wars Movie is a worldwide phenomenon, and has spawned a huge magnitude of Star Wars fans and followers from people of all ages. George Lucas’ first Star Wars movie begun in the 1970s, and is one of epic proportions. Sequels and then prequels followed up after it first appeared on the big screen. The movie was such a big hit that it resulted in a popular trend for fashion, toys and other merchandise. It also became fashionable to dress up in Star Wars Halloween costumes.

Here are the best and all-time favorite picks.

Anakin Skywalker

Anakin Skywalker is the character before the villainous Darth Vader was born. He is the main and popular character in the prequels to the Star Wars trilogy. Young Anakin assumed the good person and as the trilogy unfolded, his transformation was gradually revealed. He had a tragic fall to the dark side. He became the all-evil alter ego Darth Vader.

Anakin Skywalker is one of the most popular choices when it comes to Halloween Costumes because of its receptivity among kids, teens and adults. Wearing an Anakin Skywalker costume this Halloween will get you noticed wherever you go. Whether it be attending an office Halloween party or getting a nice get-up for your kid, buying Anakin Skywalker costumes make for a really great idea.

Most kids, teens and young children would be happy if their parents bought them Anakin Skywalker costumes. Not only will it be a head turner, it will be a knockout if you are wearing this costume. Anakin is a character every child has come to know and love. A basic Anakin Skywalker costume comprises of a brown shirt, a pair of brown pants, and boots. It can either have a real or printed belt. To add to the realism of the Anakin costume, you may purchase Anakin Skywalker’s light saber, which is essentially a sword typically offered as a separate accessory. Kids would really want to be Anakin and the light saber is the perfect accessory that will go along with this great Halloween costume.

Darth Vader

Visit any costume party and it is almost certain that you will see others wearing the Darth Vader costume. With Halloween just around the corner, a Darth Vader Halloween costume makes the perfect disguise for your upcoming party. Regardless of your age, you can find suitable-sized Star Wars Darth Vader costumes that will fit you and your buddies or family members. These outfits reproduce the true look of your notorious character, and gets everyone noticing you. Kids would really appreciate if they can wear a Darth Vader child costume to go for a night out of trick or treat. Apart from children, adults too can enjoy Halloween, sporting high-end costumes like the Darth Vader Supreme Edition Costume that look so real that you appear to be the actual character from the Star Wars series.

A typical Star Wars Darth Vader costume comes with a suit, boot tops and an attached cape. Shin protectors, a belt and the chest plate also come with the package. A molded mask is included with some Darth Vader costumes package. Complete the Darth Vader look by carrying a lightsaber sword.

Clone Trooper

Joining the popularity ranks is the clone trooper Star Wars character. The clone trooper costume makes an excellent option when wearing it at your Halloween parties or any other special Halloween event your workplace organizes. The adult clone trooper costumes are designed with such great care and detail that they are enjoyable to wear. As I know it, the basic costume includes a printed jumpsuit with Velcro straps, a clone trooper mask and shoe covers. As with all Star Wars costumes, there is a full range of costume sizes available so that you can select the one with the best possible fit.

There you have it, my top choices in the collection of Star War Halloween costumes for your Star Wars character. I hope you will have a great time this Halloween.

Discover Why Cheap Car Rentals Are the Best Option

Spending a great weekend or the year end with your family on a holiday trip is a great idea. Moreover, in order to ensure your non-stop holiday, you always need a car hire service. And what could be greater than to hire the cheap DIY car hire that would give you comfort as well as a hassle-free service. Instead of taking a tour bus or public transport, a car hire turns out to be a great help.

With their easy and simple booking process, you can instantly get your car booked in no time. And the best part is their amicable culture that makes your experience with such services memorable. Whenever we want to hire a car, we always look for the best and economical package that suits our budget and does not burn a hole in the pocket.

Most amazingly, many such car hire services provide numerous options with their efficient services and facilities. Their friendly staff also helps you to get the best value in car hire. Suiting every need, their variety of cars and vehicles gives you ample options and leeway to get what you want. Ranging from budget cars to luxury cars, they present their entire options to give you the best they can.

Be it any climate or place, they help you to get there as comfortably as you want. For harsh seasons, they have the facility of suitable cars to accommodate your luggage and your entire family in a single vehicle. They provide child safety features for your babies. They make your trip pleasant in hot regions with their air conditioned cars. And if you are in the mood to have fun, you can also go for open-top cars.

They also provide you with their skillful and professional drivers. But if you feel no need of driver and want to drive on your own, they also provide such facility for your total convenience. You can drive to any part of Australia by fixing your deal with the most desirable and best car hire service. You can visit their site, browse their cars and prices, look for the conditions with safety and take your quote.

More optimally, you can trace your destination and decide the car and price according to the kilometers. The clear cut information and services allows you to have tension free trip and prevent any such confusion that could incur more payment.

Hence, whether you decide to move to a place for an hour, a day or a week, you can rely on the efficient service of this remarkable brand. Give your family the uninterrupted journey of joy with extraordinary services from the most popular name in the Australia.

Home Buyers and Sellers Real Estate Glossary

Every business has it’s jargon and residential real estate is no exception. Mark Nash author of 1001 Tips for Buying and Selling a Home shares commonly used terms with home buyers and sellers.

1031 exchange or Starker exchange: The delayed exchange of properties that qualifies for tax purposes as a tax-deferred exchange.

1099: The statement of income reported to the IRS for an independent contractor.

A/I: A contract that is pending with attorney and inspection contingencies.

Accompanied showings: Those showings where the listing agent must accompany an agent and his or her clients when viewing a listing.

Addendum: An addition to; a document.

Adjustable rate mortgage (ARM): A type of mortgage loan whose interest rate is tied to an economic index, which fluctuates with the market. Typical ARM periods are one, three, five, and seven years.

Agent: The licensed real estate salesperson or broker who represents buyers or sellers.

Annual percentage rate (APR): The total costs (interest rate, closing costs, fees, and so on) that are part of a borrower’s loan, expressed as a percentage rate of interest. The total costs are amortized over the term of the loan.

Application fees: Fees that mortgage companies charge buyers at the time of written application for a loan; for example, fees for running credit reports of borrowers, property appraisal fees, and lender-specific fees.

Appointments: Those times or time periods an agent shows properties to clients.

Appraisal: A document of opinion of property value at a specific point in time.

Appraised price (AP): The price the third-party relocation company offers (under most contracts) the seller for his or her property. Generally, the average of two or more independent appraisals.

“As-is”: A contract or offer clause stating that the seller will not repair or correct any problems with the property. Also used in listings and marketing materials.

Assumable mortgage: One in which the buyer agrees to fulfill the obligations of the existing loan agreement that the seller made with the lender. When assuming a mortgage, a buyer becomes personally liable for the payment of principal and interest. The original mortgagor should receive a written release from the liability when the buyer assumes the original mortgage.

Back on market (BOM): When a property or listing is placed back on the market after being removed from the market recently.

Back-up agent: A licensed agent who works with clients when their agent is unavailable.

Balloon mortgage: A type of mortgage that is generally paid over a short period of time, but is amortized over a longer period of time. The borrower typically pays a combination of principal and interest. At the end of the loan term, the entire unpaid balance must be repaid.

Back-up offer: When an offer is accepted contingent on the fall through or voiding of an accepted first offer on a property.

Bill of sale: Transfers title to personal property in a transaction.

Board of REALTORS® (local): An association of REALTORS® in a specific geographic area.

Broker: A state licensed individual who acts as the agent for the seller or buyer.

Broker of record: The person registered with his or her state licensing authority as the managing broker of a specific real estate sales office.

Broker’s market analysis (BMA): The real estate broker’s opinion of the expected final net sale price, determined after acquisition of the property by the third-party company.

Broker’s tour: A preset time and day when real estate sales agents can view listings by multiple brokerages in the market.

Buyer: The purchaser of a property.

Buyer agency: A real estate broker retained by the buyer who has a fiduciary duty to the buyer.

Buyer agent: The agent who shows the buyer’s property, negotiates the contract or offer for the buyer, and works with the buyer to close the transaction.

Carrying costs: Cost incurred to maintain a property (taxes, interest, insurance, utilities, and so on).

Closing: The end of a transaction process where the deed is delivered, documents are signed, and funds are dispersed.

CLUE (Comprehensive Loss Underwriting Exchange): The insurance industry’s national database that assigns individuals a risk score. CLUE also has an electronic file of a properties insurance history. These files are accessible by insurance companies nationally. These files could impact the ability to sell property as they might contain information that a prospective buyer might find objectionable, and in some cases not even insurable.

Commission: The compensation paid to the listing brokerage by the seller for selling the property. A buyer may also be required to pay a commission to his or her agent.

Commission split: The percentage split of commission compen-sation between the real estate sales brokerage and the real estate sales agent or broker.

Competitive Market Analysis (CMA): The analysis used to provide market information to the seller and assist the real estate broker in securing the listing.

Condominium association: An association of all owners in a condominium.

Condominium budget: A financial forecast and report of a condominium association’s expenses and savings.

Condominium by-laws: Rules passed by the condominium association used in administration of the condominium property.

Condominium declarations: A document that legally establishes a condominium.

Condominium right of first refusal: A person or an association that has the first opportunity to purchase condominium real estate when it becomes available or the right to meet any other offer.

Condominium rules and regulation: Rules of a condominium association by which owners agree to abide.

Contingency: A provision in a contract requiring certain acts to be completed before the contract is binding.

Continue to show: When a property is under contract with contingencies, but the seller requests that the property continue to be shown to prospective buyers until contingencies are released.

Contract for deed: A sales contract in which the buyer takes possession of the property but the seller holds title until the loan is paid. Also known as an installment sale contract.

Conventional mortgage: A type of mortgage that has certain limitations placed on it to meet secondary market guidelines. Mortgage companies, banks, and savings and loans underwrite conventional mortgages.

Cooperating commission: A commission offered to the buyer’s agent brokerage for bringing a buyer to the selling brokerage’s listing.

Cooperative (Co-op): Where the shareholders of the corporation are the inhabitants of the building. Each shareholder has the right to lease a specific unit. The difference between a co-op and a condo is in a co-op, one owns shares in a corporation; in a condo one owns the unit fee simple.

Counteroffer: The response to an offer or a bid by the seller or buyer after the original offer or bid.

Credit report: Includes all of the history for a borrower’s credit accounts, outstanding debts, and payment timelines on past or current debts.

Credit score: A score assigned to a borrower’s credit report based on information contained therein.

Curb appeal: The visual impact a property projects from the street.

Days on market: The number of days a property has been on the market.

Decree: A judgment of the court that sets out the agreements and rights of the parties.

Disclosures: Federal, state, county, and local requirements of disclosure that the seller provides and the buyer acknowledges.

Divorce: The legal separation of a husband and wife effected by a court decree that totally dissolves the marriage relationship.

DOM: Days on market.

Down payment: The amount of cash put toward a purchase by the borrower.

Drive-by: When a buyer or seller agent or broker drives by a property listing or potential li
sting.

Dual agent: A state-licensed individual who represents the seller and the buyer in a single transaction.

Earnest money deposit: The money given to the seller at the time the offer is made as a sign of the buyer’s good faith.

Escrow account for real estate taxes and insurance: An account into which borrowers pay monthly prorations for real estate taxes and property insurance.

Exclusions: Fixtures or personal property that are excluded from the contract or offer to purchase.

Expired (listing): A property listing that has expired per the terms of the listing agreement.

Fax rider: A document that treats facsimile transmission as the same legal effect as the original document.

Feedback: The real estate sales agent and/or his or her client’s reaction to a listing or property. Requested by the listing agent.

Fee simple: A form of property ownership where the owner has the right to use and dispose of property at will.

FHA (Federal Housing Administration) Loan Guarantee: A guarantee by the FHA that a percentage of a loan will be underwritten by a mortgage company or banker.

Fixture: Personal property that has become part of the property through permanent attachment.

Flat fee: A predetermined amount of compensation received or paid for a specific service in a real estate transaction.

For sale by owner (FSBO): A property that is for sale by the owner of the property.

Gift letter: A letter to a lender stating that a gift of cash has been made to the buyer(s) and that the person gifting the cash to the buyer is not expecting the gift to be repaid. The exact wording of the gift letter should be requested of the lender.

Good faith estimate: Under the Real Estate Settlement Procedures Act, within three days of an application submission, lenders are required to provide in writing to potential borrowers a good faith estimate of closing costs.

Gross sale price: The sale price before any concessions.

Hazard insurance: Insurance that covers losses to real estate from damages that might affect its value.

Homeowner’s insurance: Coverage that includes personal liability and theft insurance in addition to hazard insurance.

HUD/RESPA (Housing and Urban Development/Real Estate Settlement Procedures Act): A document and statement that details all of the monies paid out and received at a real estate property closing.

Hybrid adjustable rate: Offers a fixed rate the first 5 years and then adjusts annually for the next 25 years.

IDX (Internet Data Exchange): Allows real estate brokers to advertise each other’s listings posted to listing databases such as the multiple listing service.

Inclusions: Fixtures or personal property that are included in a contract or offer to purchase.

Independent contractor: A real estate sales agent who conducts real estate business through a broker. This agent does not receive salary or benefits from the broker.

Inspection rider: Rider to purchase agreement between third party relocation company and buyer of transferee’s property stating that property is being sold “as is.” All inspection reports conducted by the third party company are disclosed to the buyer and it is the buyer’s duty to do his/her own inspections and tests.

Installment land contract: A contract in which the buyer takes possession of the property while the seller retains the title to the property until the loan is paid.

Interest rate float: The borrower decides to delay locking their interest rate on their loan. They can float their rate in expectation of the rate moving down. At the end of the float period they must lock a rate.

Interest rate lock: When the borrower and lender agree to lock a rate on loan. Can have terms and conditions attached to the lock.

List date: Actual date the property was listed with the current broker.

List price: The price of a property through a listing agreement.

Listing: Brokers written agreement to represent a seller and their property. Agents refer to their inventory of agreements with sellers as listings.

Listing agent: The real estate sales agent that is representing the sellers and their property, through a listing agreement.

Listing agreement: A document that establishes the real estate agent’s agreement with the sellers to represent their property in the market.

Listing appointment: The time when a real estate sales agent meets with potential clients selling a property to secure a listing agreement.

Listing exclusion: A clause included in the listing agreement when the seller (transferee) lists his or her property with a broker.

Loan: An amount of money that is lent to a borrower who agrees to repay the amount plus interest.

Loan application: A document that buyers who are requesting a loan fill out and submit to their lender.

Loan closing costs: The costs a lender charges to close a borrower’s loan. These costs vary from lender to lender and from market to market.

Loan commitment: A written document telling the borrowers that the mortgage company has agreed to lend them a specific amount of money at a specific interest rate for a specific period of time. The loan commitment may also contain conditions upon which the loan commitment is based.

Loan package: The group of mortgage documents that the borrower’s lender sends to the closing or escrow.

Loan processor: An administrative individual who is assigned to check, verify, and assemble all of the documents and the buyer’s funds and the borrower’s loan for closing.

Loan underwriter: One who underwrites a loan for another. Some lenders have investors underwrite a buyer’s loan.

Lockbox: A tool that allows secure storage of property keys on the premises for agent use. A combo uses a rotating dial to gain access with a combination; a Supra® (electronic lockbox or ELB) features a keypad.

Managing broker: A person licensed by the state as a broker who is also the broker of record for a real estate sales office. This person manages the daily operations of a real estate sales office.

Marketing period: The period of time in which the transferee may market his or her property (typically 45, 60, or 90 days), as directed by the third-party company’s contract with the employer.

Mortgage banker: One who lends the bank’s funds to borrowers and brings lenders and borrowers together.

Mortgage broker: A business that or an individual who unites lenders and borrowers and processes mortgage applications.

Mortgage loan servicing company: A company that collects monthly mortgage payments from borrowers.

Multiple listing service (MLS): A service that compiles available properties for sale by member brokers.

Multiple offers: More than one buyers broker present an offer on one property where the offers are negotiated at the same time.

National Association of REALTORS® (NAR): A national association comprised of real estate sales agents.

Net sales price: Gross sales price less concessions to the buyers.

Off market: A property listing that has been removed from the sale inventory in a market. A property can be temporarily or permanently off market.

Offer to purchase: When a buyer proposes certain terms and presents these terms to the seller.

Office tour/caravan: A walking or driving tour by a real estate sales office of listings represented by agents in the office. Usually held on a set day and time.

Parcel identification number (PIN): A taxing authority’s tracking number for a property.

Pending: A real estate contract that has been accepted on a property but the transaction has not closed.

Personal assistant: A real estate sales agent administrative assistant.

Planned unit development (PUD): Mixed-use development that sets aside areas for residential use, commercial use, and public areas such as schools, parks, and so on.

Preapproval: A higher level of buyer/borrower prequalification required by a mortgage lender. Some preapprovals have conditions the borrowe
r must meet.

Prepaid interest: Funds paid by the borrower at closing based on the number of days left in the month of closing.

Prepayment penalty: A fine imposed on the borrower by the lender when the loan is paid off before it comes due.

Prequalification: The mortgage company tells a buyer in advance of the formal mortgage application, how much money the borrower can afford to borrow. Some prequalifications have conditions that the borrower must meet.

Preview appointment: When a buyer’s agent views a property alone to see if it meets his or her buyer’s needs.

Pricing: When the potential seller’s agent goes to the potential listing property to view it for marketing and pricing purposes.

Principal: The amount of money a buyer borrows.

Principal, interest, taxes, and insurance (PITI): The four parts that make up a borrower’s monthly mortgage payment. Private mortgage insurance (PMI): A special insurance paid by a borrower in monthly installments, typically of loans of more than 80 percent of the value of the property.

Professional designation: Additional nonlicensed real estate education completed by a real estate professional.

Professional regulation: A state licensing authority that oversees and disciplines licensees.

Promissory note: A promise-to-pay document used with a contract or an offer to purchase.

R & I: Estimated and actual repair and improvement costs.

Real estate agent: An individual who is licensed by the state and who acts on behalf of his or her client, the buyer or seller. The real estate agent who does not have a broker’s license must work for a licensed broker.

Real estate contract: A binding agreement between buyer and seller. It consists of an offer and an acceptance as well as consideration (i.e., money).

REALTOR®: A registered trademark of the National Association of REALTORS® that can be used only by its members.

Release deed: A written document stating that a seller or buyer has satisfied his or her obligation on a debt. This document is usually recorded.

Relist: Property that was listed with another broker but relisted with a current broker.

Rider: A separate document that is attached to a document in some way. This is done so that an entire document does not need to be rewritten.

Salaried agent: A real estate sales agent or broker who receives all or part of his or her compensation in real estate sales in the form of a salary.

Sale price: The price paid for a listing or property.

Seller (owner): The owner of a property who has signed a listing agreement or a potential listing agreement.

Showing: When a listing is shown to prospective buyers or the buyer’s agent (preview).

Special assessment: A special and additional charge to a unit in a condominium or cooperative. Also a special real estate tax for improvements that benefit a property.

State Association of REALTORS®: An association of REALTORS® in a specific state.

Supra®: An electronic lockbox (ELB) that holds keys to a property. The user must have a Supra keypad to use the lockbox.

Temporarily off market (TOM): A listed property that is taken off the market due to illness, travel, needed repairs, and so on.

Temporary housing: Housing a transferee occupies until permanent housing is selected or becomes available.

Transaction: The real estate process from offer to closing or escrow.

Transaction management fee (TMF): A fee charged by listing brokers to the seller as part of the listing agreement.

Transaction sides: The two sides of a transaction, sellers and buyers. The term used to record the number of transactions in which a real estate sales agent or broker was involved during a specific period.

24-hour notice: Allowed by law, tenants must be informed of showing 24 hours before you arrive.

Under contract: A property that has an accepted real estate contract between seller and buyer.

VA (Veterans Administration) Loan Guarantee: A guarantee on a mortgage amount backed by the Department of Veterans Affairs.

Virtual tour: An Internet web/cd-rom-based video presentation of a property.

VOW’s (Virtual Office web sites): An Internet based real estate brokerage business model that works with real estate consumers in same way as a brick and mortar real estate brokerage.

W-2: The Internal Revenue form issued by employer to employee to reflect compensation and deductions to compensation.

W-9: The Internal Revenue form requesting taxpayer identification number and certification.

Walk-through: A showing before closing or escrow that permits the buyers one final tour of the property they are purchasing.

Will: A document by which a person disposes of his or her property after death.

Internet Marketing

According to a study conducted by Nielsen/NetRatings, a premier service of The Nielsen Company, there are 450 million internet users in 21 countries, and out of them 250 million people can be termed as active users that is these users spend on an average more than 10 hours a month on the internet. The study further reveals that one third of these active users regularly use the internet to make purchases. Thus, for an astute entrepreneur, all these 250 million people are potential customers. Now, the big question is how to convert these prospective customers into permanent customers. The answer is simple ‘internet marketing’.

What is Internet Marketing?

Also referred to as online marketing, is all about using the power of internet for marketing. A component of e-commerce, it amalgamates the technical and creative aspects of the internet, and uses methods as email marketing, viral marketing, display advertising, search-engine marketing, affiliate marketing and interactive advertising to pin down the potential customers.

Business Models

Several business models are associated with internet marketing. However, the two main ones are business-to-consumer (B2C) and business-to-business (B2B). In the former case, the products are sold directly to the end customers, while in the latter case the companies do business with each other. A third lesser-known business model associated with internet marketing is peer-to-peer (P2P). Here the individuals barter commodities between themselves.

Formats

In addition to business models, internet marketing is also related to some formats. For instance, name-your-price, where the customers have the privilege to choose their price range and then buy the items that fall in that range. Another format where it finds its place is online auction. Here the buyers place a bid on the enlisted items. Find-the-best-price is yet another format that can be associated with internet marketing. In this case the buyer can search for the website that sells a particular item at the lowest price.

Advantages

From the perspective of an entrepreneur, marketing on the internet is less expensive as compared to other media like television, radio or print media. Secondly, the entrepreneur can easily expand into the local, national and international market. Furthermore, there is no need to spend valuable resources on the sales force. Lastly, the entrepreneur can easily track his or her success and thereafter modify it according to their needs. In other words, internet marketing inculcates a sense of accountability in the advertiser, which in its turn increases the return on investment.

Now from the customer’s point of view, it provides detailed information about the product. The availability of requisite information making decision-making process a lot easier for the customer.

Disadvantages

On the downside, it is quite intricate for those entrepreneurs who are not well-accustomed with the working of the internet. Here written words are more important than spoken words. The design and content of the website play a massive role. The entrepreneur may lose his customers if the website is not properly designed or if the customer struggles to download the information due to the complexity of the web page. At times, slow internet connections also make entrepreneurs to lose their money. Moreover, inadequate development of electronic payment methods also mars the effectiveness of internet marketing campaigns.

Most customers who avoid buying from the internet do so because firstly they cannot touch, smell or taste the product before buying, and secondly, they face problems while returning the product that they don’t like. These two factors also ruin the impact to a great extent.

Security lapse is another snag associated with internet marketing. Recently, some companies involved in online business have been caught selling customer information. These incidents prompted many customers to stay away from online companies. Customers are still hesitant in spite of assurances and installation of foolproof methods.

Conclusion

Despite the drawbacks, internet marketing is garnering huge profits for several industries particularly banking and music industries. Flea markets have virtually perished. Unique items, which were available only in the flea markets once upon a time, can be found on any online auction sites.

In fact, traditional marketing media as television, newsprint, etc. are also losing money due to the soaring popularity of online marketing. According to a report, in the year 2006, US companies spent $17 billion on online campaigns. If we try to confiscate the drawbacks, internet marketing can prove to be a potent tool to convert prospective customers into permanent customers and to engender endless streams of profit.

Payday Cash Loan – A Short Term Solution For Getting Cash Fast

The payday cash loan is for anyone who maybe in an unexpected financial crisis and needs some cash desperately. The lending institution will advance cash that is to be paid back with your next payroll check.

Online No Fax Payday Loan

The entire idea behind the online no fax payday loan may seem very simple, but there are serious considerations that should be dealt with before hand. One of the most important considerations is to look for the best lenders out there. You can simply use the internet and do a personal search for them. There is every bit of information you need about this topic on the internet. Make sure that the people you are borrowing from are reputable and have no underhand dealings in their business. Always read the fine print.

Another important fact before you take the advance payday loan that needs clarification is that the company states in very clear terms the fees, APR and any other cost that will be inferred. The APR is known to go as high as 400% and should be seriously considered before you opt for it. The cash advance will be made to your account despite the bad credit history that you may be having which may be keeping you from borrowing from reputable firms. Payday cash loans are a good way to tide over emergency situations and make life easier for the time being.

Fax Payday Loan

Once you fill in an online application for your payday cash loan you will need to submit your documents. This is generally done through fax. The documents that you will need will vary from your personal identification to your bank account details. This is called the fax payday loan. However, more and more people are opting for the lenders who provide the facility of a no fax payday loan.

Though this form of credit is your best bet if you have an unusually bad credit score, you should realize that this form of borrowing only increases your liability and debt. It should be avoided as far as possible. Payday cash loans is for those people who live from paycheck to paycheck is a myth that has long been exposed.

It is now being universally accessed by many in the USA for various purposes other than paying bills. Before Christmas last year, about 10 million Americans opted for this loan and within a year, the number of outlets lending these loans has doubled.

Cash Loans Until Payday – Do Not Wait for Payday

When you need cash in the middle or end of month having nothing left in your account then cash loans until payday is the best option to go for. Payday is the day you get your monthly wage. And when loan is given to you until your payday arrives, these are called cash loans until payday. These loans must be repaid on the arrival of your next payday. They act as a bridge in between two consecutive paydays.

Some people may think these loans are very risky to afford for because these are secured on your monthly salary. On your next payday loan amount will be deducted directly from your account. And if there is not enough left in your account, then you will be charged high penalty. But to avoid this situation, you have to decide the loan amount judiciously. You should take what you can repay easily. These should be enough amounts left for your regular monthly budget.

Some important feature:

These are short term loans meaning money is not provided to you for long period of time. No security will be asked from your as collateral. Because of this lenders are somehow exposed to high amount of risk. Os they may charge you high interest rate. But at maximum it will be up to 25% of the amount taken. You can secure an amount up to £2000 through these loans easily.

Eligibility and availability:

All adult and legal UK citizens are eligible to apply for. You need to produce your income and residential proof in front of the lender. You must have a monthly salary of at least £2000 to secure these loans easily. It will act as a security against the money.

These loans can be secured from online lenders. While going online you should act judiciously. Go through the terms and conditions carefully to find out any hidden charge. Compare all rates available and go for the best one.

The Benefits of E-Cigarettes and Where to Find Them

Considering the fact that many people try everything to quit smoking, it’s no wonder that smokeless cigarettes are becoming a popular method of addiction treatment. These revolutionary new devices actually mimic real cigarettes. However, they do not contain all of the harmful chemicals inside of them and they do not give off that tobacco odor that is so known to cling to fabrics and hair. Those who choose to Buy Smokeless Cigarettes will definitely benefit from taking a more Uncategorized approach to quitting as opposed to using harsh patches and pills.

When you Buy Smokeless Cigarettes and fill them up with the designated E-Juice, you can literally smoke your cigarette anywhere. That’s because it does not give off any odors, so you won’t have to worry about people complaining about the smell. The electronic cigarette only gives off a steam vapor, which looks like real smoke without any of the harmful side effects. You will even be able to Buy Smokeless Cigarettes and use them while shopping at the mall or going out to eat in a restaurant. It truly is a fantastic way of kicking the habit while also enabling you to still feel like you are a smoker, despite lacking all of the health problems.

Once you Buy Electronic Cigarettes you will need to fill the device with E-Juice. This E-Juice is what aids in your quitting. Despite the fact that the e-cigarette looks and feels like the real thing, it also tastes like the real thing with the specially formulated E-Juice that is added to it. There are many different flavors of E-Juice that are all tempting in their own nature and you can choose whichever flavor you would like in order to get that same euphoric feeling that you are so used to when you use electric cigarettes.

E Cigs come in a variety of different starter kits that will get you going on the path of being a nonsmoker. What’s more, when you Buy Smokeless Cigarettes you will also be able to look for e-liquid and refill cartridges for them. The best way to kick the habit is to still feel like you are doing it on a regular basis, and that is why smoke-free cigarettes are so popular worldwide. Choosing to Buy Smokeless Cigarettes will enable you to begin living your life healthier and it will also protect the health of people who happen to be around you on a regular basis who may have been affected by the second hand smoke. E Cigarettes open up new possibilities within your life.

If you’ve tried everything imaginable to quit smoking or you know someone who has you may want to buy some smokeless cigarettes. Many consumer reports show e-cigarettes fill a gap where other products fail. Dr’s are recommending them to clients more than ever and people are quitting easier than before. E-cigarette510.com is also filling a gap where consumers can safely buy smokeless cigarettes without fear of being over charged or have bait and switch tactics used like so many other websites.

Unintended Consequences of DMEPOS Competitive Bidding

Medicare’s DMEPOS Competitive Bidding Program has been in the public eye before its implementation in January 1, 2011 with lots of clamor on its possible negative impact on the Medicare population. DMEPOS or durable medical equipment, prosthetics, orthotics, and supplies include wheelchairs, oxygen concentrators, pacemakers, hospital beds, prosthetic limbs and other medical equipment intended for typical elderly and/or disabled.

The Centers for Medicare and Medicaid Services (CMS) competitive bidding program for durable medical equipment give emphasis on price competition among suppliers and providers. The innovation made on DMEPOS competitive bidding program greatly affects vulnerable medical beneficiaries of Medicare specifically on their freedom of choice, access and avail quality DME supplies. During the testing phase of the competitive bidding program, major problems were encountered by patients and beneficiaries that include additional costs to Medicare for numerous emergency room visits and longer hospital confinement, unfamiliar DME providers, and inaccessibility to vital equipment and services.

The CMS Medicare program will also take its toll on the marketplace with DME suppliers and providers engage in cutthroat economic competition to get their bid approved. Reduction in the cost of durable medical supplies will lead to inferior product quality and service for Medicare beneficiaries. Most DME bidders will resort to “predatory” and “suicide” bidding that result to unrealistically low bid prices. Small players in the bidding market such as Dallas medical supplies companies will have a hard time competing with large firms. The DMEPOS Competitive Bidding Program could take out most trusted and preferred DME suppliers of Medicare beneficiaries.

Various Home Medical Equipment (HME) organizations and advocacy groups are lobbying for the repeal of the competitive bidding program from influential members of the House of Representative. Certain bills for its repeal or modification are already sponsored for deliberation in the US Congress. Toll-free numbers are set up by HME groups for queries, feedbacks and updates of the program. The competitive bidding will affect nine major metropolitan areas of Charlotte, N.C.; Cleveleand, Dallas-Fort Worth, Cincinnati, Kansas City, Orlando, Miami, Pittsburgh and Riverside, CA. The unintended consequences of DMEPOS Competitive Bidding have yet to come and change the culture of the United States Medicare program.