Tuesday, December 4, 2007 

Paraesthesia and Numbness

Numbness and tingling (paresthesia) are abnormal sensations that can be felt anywhere in the body. Most commonly, they can be perceived in the hands, arms, legs or feet. The feeling of numbness or tingling is a signal unrecognized by the brain and signals that something is wrong. The problem can come from a nerve impingement as it exits the spinal column or peripheral stimulus being muddled before or after the brain receives the information.

Most frequently, problems coming from the neck (cervical spine) result in a wide variety of symptoms. Pain, ache, numbness, and tingling are a few of the sensations interpreted by the brain. Actually, the sensations are warning signals to the brain that something is wrong. Numbness in one of the extremities is the most common problem that can be equated with a peripheral neuropathy, more commonly called a pinched nerve." Technically, a nerve does not really get pinched," but it is the word that makes sense to most people. However, the actual feeling of a peripheral neuropathy in the arms and hands can really feel like something is being pinched.

There are a billion nerve fibers in your body that are clumped together in bundles called nerves. These nerves travel inside the spinal column and exit through openings between the vertebrae. After leaving the spinal column, the nerves separate into smaller and smaller bundles and travel to every nook and cranny in the body. The nerves that exit the neck are distributed in the shoulder, arm and hand. They travel in a giant nerve group called the brachial plexus. The nerve can become entrapped in several places between the neck and hand.

Depending on which nerves are damaged, symptoms may appear in different areas of the extremity. Initial symptoms of a peripheral entrapment syndrome (pinched nerve) come primarily from the involved muscle. An adequate nerve supply must be present for all muscles to work efficiently. Therefore, when a nerve traveling to supply a muscle becomes pinched, the muscle will become weak and then begin to fasciculate (twitch). Deinnervation (limited nerve supply) of the muscle causes muscle wasting supplied by that particular nerve. A peripheral neuropathy will always follow a specific pattern of distribution.

Symptoms vary and need to be carefully described as to their exact nature. Therefore, a careful evaluation of the patient's complaint is necessary for accurate assessment of the patient's condition.

In reality, numbness or tingling in one or more extremity does not always mean that a pathological condition is present. Different tissues may be involved with the same type of symptoms. Mode of injury must always be carefully considered. For example, trauma to an area may result in vascular, or neurological, compromise. Other considerations for diagnosis may include a metabolic disorder, overuse syndrome, intervertebral disc syndrome, fracture, vascular compromise leading to ischemia, tumor, canal stenosis (nerve root lesion), peripheral entrapment neuropathy, or suprasegmental involvement of central structures (brain, brainstem, cerebellum, and spinal cord).

Dr. Michael L. Johnson is a Board Certified Chiropractic Neurologist, one of only 700 in the country, with over twenty years of experience in private practice. He has completed over 850 hours of neurological studies and 3800 hours of postgraduate education. His book "What Do You Do When the Medications Don't Work? - A Non-Drug Treatment of Dizziness, Migraine Headaches, Fibromyalgia, and Other Chronic Conditions" outlines his groundbreaking work in the treatment of chronic pain and is a national best-seller. It is available wherever books are sold.

2005 Michael L. Johnson, D.C., D.A.C.N.B.

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"I Hate To Negotiate!" Overcoming Avoidance

Negotiation is a lot like public speaking -- it can be terrifying. Here are some simple ideas to help get you off the diving platform and into the negotiating pool.

  1. See negotiation with an "abundance" view.
    People would not enter a negotiation unless they wanted something. Recognizing this and knowing that all parties can leave having gained something, can help reduce your anxiety. Sure, the pie has to be divided, but that's not where you should start, nor is it where you should end. Seeing negotiation with a scarcity view is self-fulfilling at best. Try to think about why the other side is engaging you. Find ways that you could end up getting both your needs met.

  2. Make progress not perfection.
    Negotiation can be even more challenging than public speaking, since unlike a speech, there are at least two people involved and there is no script. Therefore, the outcome is more unpredictable, causing anxiety. Expecting perfection is unrealistic. Making progress is a more realistic goal. Skill grows with experience.

  3. Step into your own shoes.
    It is crucial to increase self-awareness and to see yourself objectively. What is it that you really want in this situation? What is success? What are the consequences of not negotiating? What will you not be able to achieve?

  4. Step into their shoes.
    How does the other person see the situation? Are they out to get you? Or could they also be anxious and trying to protect themselves? Given your assessment of them, think how can you say things in a way that will best be heard.

  5. Practice in "no-risk" situations.
    Opportunities to practice negotiating present themselves everyday. Go to a garage sale or flea market. Look forward to the next time you are at a restaurant and they get your order wrong. Gaining confidence in situations that are less risky can help you deal better in those negotiations that really matter.

  6. Do your homework.
    Know your facts. What are the standards, precedents, data that may come up in the negotiation? What will you do if the negotiation goes south? Relevant information builds both negotiation confidence and competence.

  7. Rehearse the challenging situations.
    Ask a friend or trusted colleague to help you practice. Again, since you ultimately have no control over the other party, focus on what you are going to do.

  8. Relax.
    Most of us interact better when we're calm and focused. Find ways to ease your anxiety. Whether it's going for a run, meditating or reading a good novel, getting yourself in the right mindset is critical.
Getting over negotiation performance anxiety is a key to self-improvement. You can then focus on all the fundamentals and advanced skills of negotiation. Employing strategies to reduce self-consciousness, increase self-awareness and increase your comfort level are important steps toward better negotiating.

Miller Heiman has been a thought leader and innovator in the sales arena for nearly thirty years, helping clients worldwide win high-value complex deals, protect and grow key accounts, manage talent and optimize sales strategies and operations.

With a prestigious client list that includes Fortune 500 clients, Miller Heiman helps companies in virtually every major industry to build high performance sales teams that deliver consistent sustainable results to drive revenue through consulting and sales training.

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Questionable Class Action Suit Commenced Against Avvo Attorney Rating Website

How do most people select their attorney? Probably by word of mouth. Or maybe they have a family member or friend who practices law. This may be a good method in some instances. But what if you don't know anyone who has used a lawyer, and can you really have confidence in the qualifications of your cousin Vinnie? What if there was a rating system that gave lawyers a numerical rating computed on various factors? Well on June 5th a company just launched a website service that does just that.

The company is called Avvo and their service compiles data from state bar associations and other sources and tries to compute a numeric score between 1 and 10 for nearly every attorney in the country. Avvo was co-founded by Mark Britton, an attorney for 15 years and formerly the top lawyer at Expedia.com. He partnered with Paul Bloom, a veteran of Microsofts Consumer Division, and they assembled a team with expertise in law, consumer products, and technology to develop their product.

From the Avvo website, the company's principles are set forth as follows:

At Avvo, our mission is to help people navigate the complex and confusing legal industry. Choosing a lawyer is an incredibly important decisionyet most people have no idea how to go about doing it, and resources to guide them are scarce.

Avvo is guided by two basic principles:

    1. Focus on the needs of regular people. Many of the resources available today were developed for people who are already legal industry insidersbut Avvo was created specifically to help people who know very little about the law and may have no experience choosing a lawyer.
    2. Provide information, as well as guidance. We believe that providing open access to information about lawyers, coupled with guidance on how to use that information, is the best way to help people choose the right lawyer. Information is empowering: the more people learn more about attorneys and how to select an attorney, the more comfortable and confident theyll feel seeking legal helpand we think this will benefit both clients and lawyers.
I find these principles to be laudable. Just how does Avvo compute its 10 point rating assessment? That information is proprietary and not disclosed. Their website simply explains:

The Avvo Rating is our assessment of how well a lawyer could handle your legal issue. It is based on data we have collected about hundreds of thousands of lawyers - including their number of years in practice, disciplinary sanctions, and professional achievements. The data comes from multiple sources, including state bar associations, court records, lawyer websites, and information lawyers provide to Avvo. We have created a mathematical model that considers this information and calculates a score on a ten-point scale. The result is called the Avvo Rating.

What has been lawyers' reaction to the Avvo rating system? Well, you might have guessed it - a class action suit. On June 14th, a Seattle attorney by the name of Steve W. Berman, a managing partner at Hagens, Berman, Sobol, Shapiro in Seattle, filed a class action lawsuit challenging the Avvo rating system. Apparently some lawyers have complained that their Avvo rating is arbitrary, and that the Avvo system in some instances gave convicted felons higher numeric scores than law school deans. Berman's firm has a history of filing class action lawsuits against technology companies. It's gone after Apple for its iPod (allegedly too loud), eBay (allegedly a monopoly), Expedia (allegedly too expensive), and Apple, again, for the iPod Nano (allegedly too scratch-prone).

The mathematical model used to compute the Avvo rating may or may not be flawed. And in some instances some lawyers may object to their rating. But I can't think for the life of me what the plaintiffs' theory of recovery in the class action would be. I suppose it would be something along the following:

I am a lawyer, and because I am a lawyer I and am not allowed to be rated by any service whether that service is based on a mathematical model of available data or otherwise. Lawyers cannot be rated on a numerical basis, and consumers are incapable in evaluating whether a particular rating system provides them with meaningful information. Such a rating system inherently provides consumers with misleading information, and since I am a lawyer, if I don't like my rating I am irreparably harmed, and I can recovery monetary damages from whomever created the rating.

It's an interesting theory of recovery. But nearly every category of product or service that I can think of I receives ratings in one form or another. Should Zagat's be careful when it provides numerical ratings for a restaurant's food, service and decor? Should movie critics be concerned when they give a movie 1 and half stars rather than 5 stars? Should the Automobile Association of America - AAA - worry about a class action suit when it gives a group of lodgings two diamonds as opposed to three. Rating systems give consumers valuable information in comparing two different products or services when they lack first hand information about those products or services. Rating services also provide an incentive for firms to provide the highest quality of services possibly. Do lawyers honestly believe that they are so unique, so different, that the services they provide are so different, that they simply cannot be evaluated on a numerical basis? If they do, they are probably not concerned with providing their clients with quality services in the first place. Wouldn't a good lawyer want to be rated?

I believe that what is needed is not less services which rate lawyers, but more. What if there were four or five numerical systems which rated attorneys. Then consumers who don't have a great lawyer in the family would be able to take information from the variety such services, as well as other information, and make the best possible choice. In addition, rating services are particularly important for legal services because lawyers have a monopoly in providing legal services. There is not a totally free market in legal services as the number of those who can provide legal services is restricted by the licensing requirement for lawyers. Only when there is a completely free market are consumers presented with all the information needed to make rational decisions as competing firms have the most incentive to provide that information.

Again, Avvo's rating system may not be perfect, but they should be commended in attempting to provide consumers with an additional method in selecting an attorney. And Mr. Berman's class action suit should be condemned by all lawyers. It should be noted that Mr. Berman's personal rating on the Avvo system achieved a 9.2. I wonder if in the eyes of the public Mr. Berman's rating will increase or decrease by commencing this questionable class action suit.

I am the publisher of a blog entitled New York Legal Update found at http://www.nylegalupdate.com The purpose of New York Legal Update is to cover, to the extent possible, important current developments in both civil and criminal law in New York. Both substantive and procedural developments are covered. Primarily this is accomplished by digesting recent cases in the State appellate courts. When appropriate, decisions of the Federal Courts are also discussed. In addition, however, legislative and regulatory changes are also covered. This service is intended to reach the legal practitioner and members of the general public seeking legal news and information about the legal process. This service is also intended to act as a forum where I and others will comment on legal developments with the intent of advocating for laws and a legal system which are less complex and better serve the interests of society.

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5 Ways To Increase Security Levels

With the growing concern for security, there are plenty of associations and establishments that could benefit from an increase in the safety measures regarding employees, property, and information. Companies, small businesses, not-for-profit groups, and even schools should take advantage in enhancing the way they protect their interests. Below you will find a few suggestions that could help boost security for an array of different institutions:

Photo ID System

While high schools and large businesses may already utilize photo identification cards, smaller businesses and other associations might not have tapped into the convenience of such a tool. Some of the best photo ID systems are those that delegate varying levels of access according to your rank in a company. With the swipe of an electronic card, gaining entrance to top-level regions of a company are not only monitored but controlled as to who may have access to important files and other information. Implementing such a system can avoid the mishandling of vital data.

Metal Detectors and X-Ray Scans

Unfortunately, we live in a society that has made metal detectors and X-ray scans a necessary tool for increasing the security of a building. High schools and even middle schools across the country have already set up metal detectors to stop the flow of violence and weapon possession. Since drugs are becoming an increasing disturbing problem, X-ray scans may replace the strip and purse searches that are taking place in a handful of institutions. Violence also extends to the corporate world and other business settings, as disgruntled employees have been known to handle their stress in an inappropriate manner. Metal detectors and X-ray scans can avoid physical contact pertaining to employees and students.

Camera Installation

While security guards, onsite police officers, or high school principals dont have eyes in the back of their heads, cameras may act as an extra set. Camera installation allows officials and executives to get to the root of many problems that may arise in their work setting. For example, the mysterious decrease in office supplies is finally solved through the review of several weeks of tapes or who started the food fight in lunch can be dissected. Cameras not only solve problems, but can help avoid them as well.

Enhanced Computer Protection

In some settings, the computer has become an encyclopedia of personal information regarding a company or school. Important and private files are stored and although passwords and user names are a must to gain access, they are still not 100% protected. Today, a lot of work is also completed on laptops, which are easily portable and make easy theft subjects. Buying laptop security devices allow workers to leave their office or desk without the fear of returning to a stolen computer. Security cables are used to attach the laptop to a heavy chair, table, or desk, making it quite hard for someone to run off with one.

Tightening Financial Controls

One of the biggest fears that an executive or company owner has is the threat of employee theft or dishonesty. These acts of disobedience and disregard can cost the largest businesses billions of dollars on a yearly basis. In the small company sector, embezzlement, stolen inventory, and information leakage can seriously damage the success of a business. To prevent these occurrences and loss of money, tighter financial controls should be implemented.

Learn how to implement a photo id badge system at our photo id badge website.

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Oriental Medicine Universities - Diploma and Degree Programs

Find Oriental Medicine Universities in the United States and Canada. Whether you choose to become a professional acupuncturist or are drawn more to bodywork, Oriental medicine universities can supply you with the education and hands-on skills to achieve these and other TCM (Traditional Chinese medicine) careers.

For example, if you'd like to earn your Master's degree, Oriental medicine universities provide MSAOM programs (Masters in Science in Acupuncture and Oriental Medicine) that encompass course-intensive studies in a variety of subjects including biology, anatomy, chemistry, physics, pathology, general psychology, principles in acupuncture and acupuncture modalities, techniques and theory; acupressure, Chinese medical terminology, nutrition, pharmacology, clinical medicine, case management; herbology, herbal principles, herbal practice and prescription; and much more. Students in Oriental medicine universities who are pursuing their Masters degree participate in a minimum of 3,000 training hours; in addition to elective courses.

Oriental medicine universities also extend diploma and certificate programs in a range of subtopics including Tuina (Chinese medical massage), meridian therapy, acupressure, Shiatsu, Chinese herbal medicine, Qigong and Tai Chi, among others.

Other academic programs offered through Oriental medicine universities include the Acupuncture and Oriental Medicine Doctoral program (DAOM). Candidates who participate in this course of study learn much of the aforementioned subject matter, in addition to clinical supervision, biostatistics, research methods in health sciences, advanced acupuncture techniques, chronic pain and terminal illness counseling, and other associated studies. To enter the DAOM program given at Oriental medicine universities, applicants must have achieved a Master's degree in acupuncture and Oriental medicine or a certificate in acupuncture prior to enrollment. In addition, students should have a proficient understanding in basic sciences like mathematics, algebra, psychology, and chemistry. Typically, Doctoral programs at Oriental medicine universities entail 92 credit hours of study.

In most states and/or provinces, acupuncturists and doctors of Oriental medicine require licensure and continued education to maintain licenses. (Check individual Oriental medicine universities to determine if curriculum meets all requirements for licensure/certification.)

If you (or someone you know) are interested in finding Oriental medicine universities, let professional training within fast-growing industries like massage therapy, cosmetology, acupuncture, oriental medicine, Reiki, and others get you started! Explore career school programs near you.

Oriental Medicine Universities: Diploma and Degree Programs
Copyright 2007
The CollegeBound Network
All Rights Reserved

NOTICE: Article(s) may be republished free of charge to relevant websites, as long as Copyright and Author Resource Box are included; and ALL Hyperlinks REMAIN intact and active.

Resource Box: CarolAnn Bailey-Lloyd - Freelance Writer and Web Consultant for HolisticJunction.com, in association with CollegeSurfing.com - Educational Resources for Oriental Medicine Universities, Oriental Medicine Colleges, and other Schools.

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More Ways to Build, Strengthen, and Enhance Your Relationship

Continuing from our last discussion, here are other ways in which to build, strengthen, and ehance your relationship.

4.Surprise

If you and your mate have scheduled some time for a Friday night dinner, put together a surprise instead. For example, if your mate loves professional wrestling, buy some tickets near the front or if they like concerts, purchase the tickets ahead of time, getting the best seats possible. When Friday night comes around, insist on driving and head toward the location where the event is taking place. When asked where you are going, simply answer, I have a surprise for you. I know you love professional wrestling so I purchased two great seats for tonights performance, or I know we had planned on going to dinner, but I wanted to surprise you with something special. I purchased tickets to see one of your favorite groups in concert. The idea of you getting the tickets for something THEY like and then keeping it as a special surprise will touch the heart!

5.Needed Space

As important as it is to spend quality time together, it is equally important to give each other time to do something they like. If your mate loves to fish but you have no desire to bait a hook with little, slimy worms, or if you like to go to the casino but your mate would rather do something different, encourage each other to take time apart. Try establishing a set time for this very purpose, if possible. For example, perhaps you could determine that every other Friday night is singles night. This is not a time to date other people, but to enjoy preferred activities. Remember that you have to place trust in your relationship. If you try this and then drill them, to see what they did, whom they were with, and where they went, then the exercise has failed.

6.No Debates

If you know that you and your mate have proven differences in opinion on certain subjects, avoid those subjects. As an example, if you are a Republican and your mate is a Democrat, politics should probably be avoided. As the two of you identify new topics that could cause a debate session, stop the conversation before it even gets started.

Mia LaCron is the founder of guide-to-happy-relationships.info - http://www.guide-to-happy-relationships.info - devoted to helping individuals build strong relationships with significant others.

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Business Card Collecting - Tips

Have you ever thought about a relatively cheap item to collect? The answer could be in collecting business cards. Almost every business and many individuals have printed their own business cards for exchange with people of like mind that they meet. Many businesses have them in a jar or tray on their counter. Be aware that collecting the early calling cards or visiting cards and trade cards may by costly, particularly the 17th and 18th century cards.

There are number of questions that you need to answer first.
1.What type of business card do you want to collect? Some people collect everything, some collect by themes, for example professional people, shipping companies, gifts stores, restaurants, hotels and the list goes on. Most collectors start by collecting almost anything ,and then when they choose categories they have cards to swap.
2.How do you want to collect them? Some collectors will only collect business cards given directly to them, other collectors will collect whilst on holidays, other collectors write away for them, whilst other collectors swap business cards. Again, its your choice, but above all have fun in whatever collection method you choose.
3.How do you store business cards? It is not uncommon to build collections over 20,000 cards. In order to remember what the collector has, it is best to catalogue them in a computer system and then store them in order. The storage needs to be free from moisture and direct heat. Some collectors use the zip-lock plastic bags, and the best ones to use are the ones that hold the business cards reasonably tightly, so that the cards are not damaged. Other collectors use sealable hard plastic containers. Choose any storage method that keeps the water and heat out.
4.Should I become a trader? Collectors of business cards may include the traditional calling cards and trade cards in their collections. These cards have not been produced for over two hundred years. They are offered for sale on internet auction sites and specialist card collector sites. Make sure that you know the value they will appreciate with time, and follow some basic guidelines in your trading, as shown below. Be clear what you are selling or buying. Describe it accurately. Photograph if possible
Keep the stock in the best condition possible, and do not exaggerate its condition.
If a trade is too good to be true, it probably is.
Communicate quickly and effectively whatever the medium.
Remain happy and courteous at all times and have fun.

Collecting business cards can be as rewarding as you would like it to be.

Collectors of business cards often collect business card holders as well.For more information on business cards and business card holders go to http://groovyideas.googlepages.com

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Garmin GPS Nuvi 350 Review

The GPS Nuvi 350 is one of the hottest GPS systems on the market today. In this short review well take a look at the features, quality and design of this popular model from Garmin.

If youre new to the world of GPS technology it may be helpful to first get an understanding of just what GPS is.

A typical GPS receiver includes an antenna to catch satellite frequencies a receiver, and a clock . A GPS receiver will generally have up to 20 channels.

GPS receivers are available in automobiles, telephones even watches, and can provide you with directions to get almost anyplace that has been mapped. This is certainly true in the United States where I have seen the GPS Nuvi 350 used in cities, towns and even many rural areas. I understand that they are widely popular in Europe and elsewhere as well.

The GPS Nuvi 350 is manufactured by Garmin which should provide a sense of comfort as Gramin is an industry leader in the manufacture and design of GPS technology.

Lets take a closer look at the GPS Nuvi 350.

The GPS Nuvi 350 is approximately 3.9 inches. I can easily put one into any pocket, ladies will find it an easy fit into a purse.

Albeit small, Garmin has packed this pint sized GPS with some powerful features.

For example, you can get directions read out with street names. This allows you to keep driving safely without looking at the display screen.

The screen itself is a color touch screen, three and one half inches, that is bright and easy to read. Also included is an MP3 player, audio book player, JPEG picture viewer, world travel clock with time zones, currency converter, measurement converter, and a calculator.

I used the JPEG Viewer to show pictures Ive taken with my phone. But thats not a reason to buy any GPS system, just consider it an extra bonus feature of having truly accurate directions in a reliable GPS is what you are really after.

All of these extra features are fun toys and are handy of you are traveling for work or pleasure. But in my opinion the best feature of the GPS Nuvi 350 is the GPS technology which makes traveling a snap and a pleasure.

Another nice feature of the GPS Nuvi 350 is that it works as soon as you take it out of the box, and is as easy to operate as Garmin claims. If you use the GPS Nuvi 350 in you car youll have a suction cup mount thats reliable and wont fall on the floor of the car. A handy AC adapter is also included.

Having used the GPS Nuvi 350 in more than one U.S. locale I was happy to find detailed street maps for North America which included text-to-speech technology.

All in all, the GPS Nuvi 350 is a compact and easy to use GPS that is reliable and jam packed with a lot of bonus features that make the detailed street maps for North America and includes text-to-speech technology. If you should get stuck the Reference Guide will get you moving in the right direction in no time.

A personal travel aide and all around worthwhile piece of technology to own, the GPS Nuvi 350 gets 5 stars in our opinion.

Looking for more information on the GPS Nuvi 350 AND the lowest price from a reputable vendor? Garmin Nuvi 350 price at http://www.garminnuvi350price.info

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How to Find the Best Lender When Mortgage Refinancing

Most homeowners collect half a dozen mortgage quotes, pick the one with lowest interest rate, and walk away thinking theyve got a good deal when refinancing. The problem with this approach is that you are simply getting the best of the worst retail loans available. Here are several tips to help you refinance your mortgage with the lowest wholesale rate possible.

What exactly is the best lender when refinancing your mortgage? Ask five different homeowners what makes a good lender and youll surely get five different answers. If youre in the market to refinance your mortgage the best lender is the one that gives you the lowest interest rate and fees for your situation. How do you make sure that you get the lowest rate when refinancing? Find a mortgage company that doesnt charge you Yield Spread Premium when refinancing and youll be ahead of 97% of homeowners out there.

Never heard of Yield Spread Premium? This markup of your mortgage interest rate only serves to give your loan originator a fat bonus check. Youre already paying a perfectly reasonable origination fee for this persons work; however, your interest rate is marked up for a second commission. Yield Spread Premium is added to your interest rate because the wholesale lender behind your loan pays 1.0% of your mortgage amount for every .25% you agree to overpay. Thats a lot of money and a perfectly legal incentive for ripping you off.

Despite the ridiculous truth about this markup and the raging debates in Congress, most homeowners have never heard of and happily pay Yield Spread Premium when refinancing their mortgages. The good news for you is that by learning to recognize Yield Spread Premium you can avoid paying too much when refinancing your mortgage. You can learn more about avoiding Yield Spread Premium when refinancing with a free mortgage toolkit.

To get your FREE Mortgage Refinancing Video Toolkit, visit RefiAdvisor.com using the link below.

Louie Latour specializes in showing homeowners how to avoid costly mortgage mistakes and predatory lenders. To get your hands on this "Mortgage Refinancing Toolkit," which teaches strategies for finding the best mortgage and saving thousands of dollars in the process, visit Refiadvisor.com.

Get your free mortgage refinancing tutorial today at: http://www.refiadvisor.com

Arizona Refinance Mortgage Rate

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Kings Bay Saint Marys & Kingsland Georgia - Affordable Home Mortgages

Buying a home is usually the largest purchase any of us will make in a life time. When choosing a home, you want to find one that suits your families needs best. Take the same steps when choosing a mortgage company!

When you are looking for a mortgage company, do your homework! Interview the loan officer and ask him what he or she has to offer you in terms of savings, interest rates and mortgage loan products.

Ask for a Good Faith Estimate of Settlement charges. Ask the lender if there is a lock fee and for how long?

A good lender should discuss with you the different programs that they offer. Most lenders offer VA, FHA and Conventional mortgage financing. You should discuss with the lender your future plans, such as how long you plan to live in the home. This will help them determine if a fixed rate or an adjustable rate mortgage works best for you.

With interest rates still at record low, most homebuyers are taking a fixed rate mortgage if they plan on living in the home more than 3 years. Adjustable rate mortgages have many different terms that the rate is fixed, 1, 3, 5 and 7 years are the normal terms that are offered. Fixed rates assure you that the rate is fixed for the entire term of the loan. Loan terms offered are usually 15 or 30 years, however 10, 20 and 25 years are also available.

Choosing the right mortgage company will help you make an intelligent decision and make the transaction go a lot smoother.

Choosing the wrong mortgage company can result in higher rates, terms that you didn't understand and overall stressful experience.

If you would like to know more, please visit my website. My website contains loan payment tools and calculators to help you understand more about what you can afford. You can also apply online. My contact information is on my website. Please feel free to visit us at www.bretlinfloridamortgage.com

Glenn Keller is a veteran in the mortgage industry and is associated with Bretlin Home Mortgage of Florida in Jacksonville. Visit our website at http://www.bretlinfloridamortgage.com

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1st Trip

THWACK!!!! Ahhh...That was the sound I was waiting for, the five o'clock, Friday-night-time-clock-boogey. For the next SIXTY-THREE hours, I was a free man.

Traffic is heavier than usual, as I wind my way through the cloverleaf snarls and stoplight delays, tapping an impatient finger as I wait to merge into the homeward hoards. My mind is eased, however, by the thoughts of our pre-packed van - bedding stowed, topped up propane tank for the stove, flyrods in their racks. Very little time will be lost in our flight from civilization.

I stop at our neighborhood filling station to fill the fuel tank and pick up ice for the cooler, remembering, at the last moment, to buy the paper plates we were getting low on last fall.

I notice the front door opening in my rear view mirror, as I back up the driveway. She is ready, as usual, arms full of groceries, duffel bag bulging on the step. Supplies are stowed in their assigned nooks as I check the engine oil, tweak the tie-down straps holding the boat to the roof rack, and go through my mental list of essentials, for this is the first trip of the season !

Nine minutes flat!...beating our old record, even though I took the time to remove my watch and toss it onto the kitchen table. Won't be needing that for awhile.

We are off.

There is a clunk as the van slips into gear. I'll have to check that out when I get around to it. This old girl takes us to places where she is not meant to go and sometimes does so unwillingly..... Well, that's a week-day problem and the weekend has officially begun.

The highway is congested with outbound commuters homing in on their respective nests. Our turn off appears soon after the last suburban "ranch" is passed, although our destination lies many miles ahead.

As I swing the wheel, gravel crunching under the tires, the dust billows, leaving daily cares and other worries behind. We begin the ten mile climb to the plateau above, singing lustily to a country song on the stereo. Windows open, the scent of pine and sage brush is intoxicating.

We negotiate the last switchback and top the final ridge, leveling out upon a vast expanse of fir trees, new grass and rolling hills. The rutted road winds away into the distance, dipping into creek beds, climbing small rises and promising adventures beyond the ever present potholes. We scan the roadside for firewood easily gleaned and delight in the discovery of someone's previous battle with a winter-killed snag that extends part way across the road. Short work with our small chainsaw assures us of an adequate supply of firewood for our campfires.

Although the days are noticeable longer now, dusk is descending rapidly. The air is definitely cooler as we arrived at our final destination, prompting a quick application of sweaters and a scramble to light the campfire.

This chore is traditionally delegated (or should I say pre-empted) by the feminine side of our two-person crew, so I therefor proceeded to .......level the van,..... set up the portable table,. ...assemble the camp stove,......fire up the lantern,.......install the barbecue,.......position the water jugs,.......erect the rain tarp,........unload the boat, motor, battery, etc., ...... all the while choking on clouds of smoke and the more than occasional bouts of unladylike language emanating from my beloved fire starter.

By this time, night had surely arrived, so accompanied by the croaking chorus of a billion or so frogs, and the eerie calls of our lonesome loons, we made our way down to the lake shore. Fortunately, it was a clear night with countless stars and no clouds. We were absorbed by slapping and splashing sounds of enormous trout feeding on the spring hatches and never even noticed that, as if by magic, the everyday problems of our lives had slipped away, one by one. We contemplate the pristine waters as if we were the first of our species to see it, though the worn tire tracks testify to others before us.

Cool, cool winds still blow at this early season and the campfire beacons us with its cheery glow. With warm companionship and cups of hot chocolate, we nestle into our fireside oasis, content with life at the present. Anticipation of the mornings adventures try to instill themselves into our consciousness but the lure of the sleeping bag is too great. With city-worn eyes we make a final check of the campsite, secure everything against wind, rain and nocturnal visitors, and gratefully seek our own protected nest.

Dreams of singing reels and dancing waters are interrupted by the heavenly aroma of fresh brewed coffee. No other scent on Earth can compare. God first created the heavens and the earth, the fishes and the waters, the beasts and the men and then He looked upon it all and said" Something is missing". So then He created Woman. I wonder at what interior alarm clock stirs in the breast of my lady, to be up at this pre-dawn hour, with my coffee cup in one hand and her new fly rod in the other. Although I good-naturedly grumble a groggy "Good morning" and reluctantly pry myself from my cozy sleeping bag, I am pleased that the day has started out so well.

A splash of cold water on my face is just about all that it takes to get me going. The sun has not yet risen, in fact, the eastern sky is just barely pink, but I grab my sunglasses and hat because I know what to expect.

Slender trails of mist are rising from a mirror smooth lake as we push off from the shore. The resident loons give a strident vocal complaint to our intrusion but soon settle down to their usual activity when they realize that we are no threat to them. Bulrushes whisper against the hull until open water is reached. The whisper quiet of our electric motor disturbs nothing and allows us to hear the wilderness awakening to a glorious spring morning.

The rusty hinges of the fly-box creak open for the first time since they were hastily slammed shut during last fall's downpour. Two more notes for my TO-DO file. (Oil the hinges and get more flies).

Next comes the inevitable question..."So, what do you think I should try, Dear."....from my bright-eyed-mussy-haired-ever-so-eager spouse. Now, such a question requires careful analysis of the moon phases, tidal variations, feeding patterns, and a multitude of other technical considerations that are well beyond the female mind. Therefor, stalling for time, I suggest "Well, how 'bout that green fuzzy one that you like ?"

She looks at me with disdain in her eyes and says, "A DRAGON FLY NYMPH, at this time of year ? You want me to try a DRAGON FLY NYMPH !!!" and then ever so lovingly, explains to me that Dragonflies are dormant right now.... "Well OK," I reply, "Try whatever you want". Then, with all her ill-conceived feminine wisdom, she says, "I'll try this skinny-itty-bitty-striped-black-thing."

Well, as you and I both know, skinny-itty-bitty-striped-black-things could not possibly catch fish under these conditions and I tried to point that out to her, as I netted her second fish.

Totally against my wishes, (since I was having enormous amounts of fun unraveling a nasty birds nest of tangled line, twisted and rusty hooks, while steering the motor, pouring the coffee and generally keeping things running smoothly), it was decided that breakfast was next on the agenda. Being the open minded kinda guy I am, I readily agreed, and soon the keel was scraping on the shore side mud. Visions of campfire toast, warmed up coffee, and ash dotted eggs made my mouth water. No feast, fit for a king, should omit outdoor cookery at its finest...campfire breakfast !

I watch, with admiration, as the camp attendant breathes life into a smoldering flame. She soon rouses me out of my daydreams, as I am the designated cook for these next two days. Hastily, I bang pots and frying pans around and, without too much delay, get things sizzling on the grill. Breakfast over, we enjoy a leisurely smoke with twice-warmed coffee in our cups. Life seems not so bad after all.

Back in the boat and out through the weeds, I reverse the motor and steer out to a pleasant vista...warm sun and pine heavy scents. Donning sunglasses and hat, I lean back and let the worries of the world take their course. I ponder the fact that February Saturdays are so different than May Saturdays and reality slips into sleepy indifference, as we troll out a length of sinking fly-line.

Wham....with reel screaming and the rod jumping in my hand, I awaken to my present situation. A trout commands your immediate attention, and this one had my total concentration. Deftly, manipulating not only my pulsing fishing rod but also my leaping heart, I strive to keep the tip up. Line peels out to the backing and then more, but luckily, I have lots to spare. This could be THE TROUT.....

Finally the first run ends, line snaps taunt, then slack. Frantically stripping in line, praying for that telltale tug, when zing... out goes every foot so far gained, and impossibly far away in the distance, a magnificent trout leaps and I know he is mine. What can heaven possibly contain to compare to this? A silver flash in the sun, then he goes deep. The rod arcs with the strain and I'm thankful for the knot-tying practice I put in during the long, long winter nights. What a thrill ! Wild strength transmits itself through line, supple graphite, and into my wrists and I am transposed into the hunter/gatherer instinct of my forefathers. For immeasurable moments, the battle rages on, the will to survive strong in both combatants. The trout struggles for it's very life while I strive for something undefined, but yet, equally essential for my survival.

The fly line, taut as a wire, rushes toward the unbroken surface. Once more, my trout leaps for his freedom with rainbow colored drops spraying from line and tackle. Oh, the power of this fish is wonderful, but eventually, no match for my technological advantages and incredible fishing skills. All too soon he lies gasping beside my hand, a spent but not conquered victim. I admire his sleek lines and warrior spirit and gently remove the offending hook from his mouth. A pause for breath, then, with a defiant flick of his massive tail, he regains the cool depths and is gone.

His life goes on and mine is enhanced by this experience. May we meet again, Sir Trout.

Throughout this whole episode, my lovely mate remains calm and serene. She has such exceptional patience in these situations, and allows me to release her sixth fish without comment. I am not one to "gloat" but I point out to her that MY fish was WAY bigger and WAY more ferocious than any of hers. She just smiles in that female-smugness-kind-of-way and checks the knot on her skinny-itty-bitty-stiped-black-thing for any wear and tear from catching so many fish.

The afternoon is soon over...

I fake severe starvation as an excuse to retire to our campsite, where I munch on home-baked peanut butter cookies while firing the barbecue. I'm no longer allowed to cook the steaks because of that one time when my mind drifted.... steaks don't taste well after two hours on the grill....but I drool over the potatoes baking in their little aluminum envelopes. Whiskey jacks (Canada Jays) and resident squirrels compete for anything edible left unattended on the table, but it is hard to fault them for their behavior, as they have managed to survive the winter all by themselves.

Dusk settles once again on our little paradise in the wilderness.

The warmth of our fire holds us to it's glow - early spring evenings can be chilly - and we enjoy the solitude and peace of each others company.

If a person were to stop and count all the stars visible on such a night, well ... I imagine it would take several lifetimes and I only have the one (as far as I know), so I just toss another billet onto the fire. The sparks that curl skyward are fascinating in themselves and the embers glowing below never lose their appeal. Night sounds become more insistent as the evening proceeds, and a yawn escapes from my lips. The cold nylon linings of the sleeping bags are soon warm and we are deep asleep within minutes, content with the thought that Monday is still a day away.

Sunday Morning... with the drip, drip, drip of a persistent drizzle...the kind of morning that allows you to snuggle deeper into the sleeping bag's warmth and contemplate the joys of your safe and dry haven in the wilds. Thought's of damp and sodden firewood, fog enshrouded water, dripping trees and last nights dishes still soaking in the wash basin, combine to lull one into another hour of slumber. For there is no hurry in this first trip... summer lies before us, with uncountable adventures in so many more weekends to come.

Les Doll http://www.rverscorner.com http://www.rv-satellite-internet.com

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Mexican Recipes and Cuisine

Mexican cuisine combines traditional indigenous ingredients as well as ingredients imported from Europe:

- Corn, beans and chillies are the most well-known Mexican ingredients, and all have been part of the Mexican diet for thousands of years.

- Mexico was ruled by Spain for three hundred years - so the cuisine also features many Spanish influences, which include the introduction of sugar, cheese and livestock to the Mexican diet.

Additionally, fruits and vegetables also form an import part of the Mexican diet - these include tomatoes, squash, sweet potatoes, coconut, pineapple, papya, avocado and prickly pear cactus.

Some popular and well-known Mexican dishes include:

- Tortilla - A flat unleavened bread made from ground maize (corn) or wheat flour.

- Gauacamole - A dip/relish created using avocado, the recipe for which dates back to pre-Columbian times. As well as avocado, ingredients usually include tomatoes and salt, and sometimes lime juice, onions, and spices.

- Burrito (also known as "taco de harina") - A tortilla filled with meat, such as beef, pork or chicken. Traditionally, meat is the only filling and the tortilla is rolled thin, however in the United States, it has become the norm to add other ingredients such as rice, beans, tomatoes, salsa, guacamole, cheese or sour cream.

- Enchilada - A maize (corn) tortilla dipped in oil or lard and then enchilada sauce. The tortilla is then filled, rolled, placed in a casserole dish and layered with sauce or other ingredients, and finally baked.

- Chili con carne - A spicy stew (usually beef or pork) with chili peppers.

Originally published at http://www.recipesmaniac.com/cook_mexican.php - visit this site for more information, photographs and Mexican cook books.

Discover more about recipes and cooking at http://www.recipesmaniac.com/

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Sherry, a True Taste of History

Sherry, a magical Spanish wine that has meandered through history with such force that it has played a central role in the works of literary geniuses such as Shakespeare and Poe. No other drink played such a central role in the colonization and exploration of the New World. When Magellan set out to circumnavigate the globe, his expenditures on Sherry were greater than those for weaponry for his entire voyage. As a fortified wine, it was better able to make the long journey across the oceans. As the first wine in the New World, Sherry remains important in the world of wine today.

Traditional Sherry begins its life on the vines of the Cdiz region of Spain. It is made of three types of grapes native to the region, Palomino, Pedro Ximnez, and Muscat. After being hand harvested they are gently crushed to draw the first must. Only this first pressing that is used to produce Sherry, this ensures the highest quality of wine. The pressing is immediately set aside for fermentation.

After the initial fermentation, the new wine is tasted for quality and is divided into one of three categories. The lightest and palest of the wines will be set aside to be turned into Fino and Amontillado, the highest grade of Sherry. The slightly darker but still clean wine will be set aside to become Oloroso, a darker Sherry. The third category destined to become Sherry will require more development before its final product can be determined.

Once its destiny has been decided, the wine begins its journey through the solera, a cascade of barrels through which the wines will move. This is a journey that takes a long time, as each year some wine is moved from one barrel to the next down the line. With a small portion of the wine from the preceding year left in the barrel, these solera are passed down through the generations. A small amount of wine is always left in the last barrel, so through the years, the last barrel in the solera will still have a very small amount of the first wine ever put in it, this wine can sometimes be several hundred years old and helps to ensure a balanced and uniform product. A true taste of history!

Today, Sherry does not have the same importance it once did. I can guarantee that more is invested in arming a ship of the line today, than on Sherry in their larder. However, it is one of the most historic of the wine family, and one of the most versatile wines available today. Sherry can be served as an aperitif, drank alone, and also makes a great addition to cooking, try this wine cake recipe from www.beyond-wine.com.

Ingredients:

  • 1 box yellow cake mix
  • 1 5oz box of instant vanilla pudding
  • 3 Eggs
  • Vegetable oil
  • CREAM SHERRY (must be cream)

Set oven to 350

Grease and flour bundt pan

Mix all ingredients called for on the box and the amount of water using the cream sherry for the other half. Bake about approx. 40 minutes until golden brown and a toothpick comes out clean. Let cool slightly and rim the edge with a thin knife before removing. Drizzle a glaze over the cake, powder sugar with a touch of lemon juice or vanilla.

I hope that this has enlightened you to the delights of Sherry, an Old World wine making inroads into the new millennium. Please visit www.beyond-wine.com for wine accessories and everything you need to enjoy your glass of Sherry, from glasses and decanters, to stoppers and pourers. For a limited time, get a barrel stave candleholder free with any purchase of $150 or more.

Jason Brink is a wine enthusiast, amateur historian, and passionate web developer. His birth and rearing in one of the premier wine growing regions in California has led to a deep respect and reverence for the wine grape and all its myriad children. As the lead developer of http://www.Beyond-Wine.com he has expanded his knowledge of wine culture and his love of the wines.

Jason Brink also owns a graphic design and web development company, http://www.jasons-professional-graphics.com

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Adverse Remortgage Explained

There is no such thing as permanent black list. Many people within the UK do not understand fully what a credit rating means and just how much it can affect you with opening bank accounts and obtaining a credit card. People within the UK get refused a loan and 40 percent of these people do not understand why this is the case.

The prior occupants of your property may have been millionaires or simply a bankrupt victim, lenders are not interested. Lenders want to know if you have the potential to make the repayments. Lenders inspect various factors about you before giving you a loan, voting can be essential and help in some cases.

Only recently lenders have started to check whom actually lives within a home address. They could then take their credit position into account when agreeing on whether to offer you credit or whether not to. The system is changed. As a replacement, your credit report has a section listing your financial acquaintances i.e. others with whom you hold a joint account with, everything is then analyzed.

There are more than one credit rating scores, depending on what company you contact, what you apply for, and your finance conditions at the moment you apply. Different lenders use different methods on how they calculate your credit score. You may decide to pay off one of your debts to improve your credit score; if you missed several repayments, this could cause problems meaning you may have to consider an adverse remortgage.

You may have missed repayments in the past; this will stay on your credit report for nearly 36 months. If Lenders notice this, they can hold this against you, because they feel you may not be able to keep up with certain terms and conditions.

There are many lenders out there who will still give a mortgage to people with poor credit history. Check your current credit report to guarantee it is exact and up to date before approaching any company.

For more information and a Mortgage Quote please visit www.mortgagequotes.me.uk

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