Crystal Bell: 'Dancing With The Stars' Season 14 Premiere: Introducing William Levy

By the time I made it halfway through the "Dancing With the Stars" Season 14 premiere, I realized that this season, the scores are absolutely pointless.

The judges -- Len Goodman, Carrie Ann Inaba and Bruno Tonioli -- all praised this year's contestants for having the best "Dancing With the Stars" debut on record, but were the stars really that good? Or is it finally time for new judges?

I'm thinking it's the latter. I still can't believe that not one celebrity received a total score less than 20. That's just ridiculous, especially since there were more than a few stars that deserved it (ahem, Gavin DeGraw, Melissa Gilbert and Martina Navratilova).

Tom Bergeron -- the true MVP of the night -- mentioned that during rehearsals, each pair is critiqued by a group of stand-in judges and that Len, Carrie Ann and Bruno only come to play for the live shows. Maybe it's time for the stand-ins to step in for the real judges because I think they've actually forgotten how to judge. The fact that multiple nines were handed out during the premiere means that they've really lost their edge.

Although, I will take whatever happy pills Carrie Ann seems to be on.

Now, let's talk about the dancing. There was one true star in the ballroom, and you may be surprised to know that ... well, you don't really know him at all. William Levy -- a.k.a. the Latin Brad Pitt -- not only spiced up the dance floor, but he also captured more than a few hearts with his suave attitude and sultry cha-cha-cha.

He's sexy, and he knows it. His partner Cheryl Burke knows it. Carrie Ann knows it. Bruno knows it. The audience knows it. ABC knows it. Brad Pitt knows it. And yes, Tom knows it too.

Bruno even called him the "hottest package of the season." And, unlike last season's Elisabetta Canalis, William actually has a personality, which makes him easy on the eyes and completely charming.

Could one man be so incredibly good looking that he single-handedly just sealed the deal on his victory? Possibly. After all, he does have a rabid telenovela following.

Judges' score: 24

Surprisingly, William didn't clinch the victory with that score. There were two other stars that out-shined his Latin charm.

Now let's examine how everyone else fared on their first night in the ballroom.

Maria Menounous & Derek Hough
Dance: Cha-cha-cha
I'll admit that I'm not Derek Hough's biggest fan, but I do appreciate the fact that he can laugh at his good fortune. "I'm Derek Hough, and I want as many Mirror Ball trophies as I do chest hairs -- and that's four."

Okay Derek, we get it. You're talented, cute and funny. And then there's Maria. She's a self-described "dude with boobs," and she just might have the most annoying laugh in the history of TV.

But at least she can dance. Sure, she's not the best, but with a little help from Derek, I'm pretty sure that she'll be a top contender in a matter of weeks.

In other news, it took me a solid minute before I realized that Kelly Clarkson's "Stronger" was their cha-cha-cha song. That house band never fails to confuse me with their bizarre arrangements.

And as always, Bruno turned his crtiques into a way to talk about sex. Duh. What else is Bruno good for?

Judges' score: 21

Jack Wagner & Anna Trebunskaya
Dance: Foxtrot
I'm not going to lie. I didn't really know who Jack Wagner was before watching him on "Dancing With the Stars," but I have to say, the former "Melrose Place" star is quite a fox -- and he's got some moves.

His only problem? He gets hard on himself which, as Chynna Phillips proved last season, can be problematic. However, watching Jack and Anna on the dance floor was kind of adorable (in a father-daughter dance kind of way).

Halfway through their cutesy foxtrot, my roommate turned to me and said, "I feel like we're watching 'Big Fish: The Musical.'" Yep. That was kind of what it looked like.

It was a little slow, but still enjoyable. Carrie Ann, on her best happy drugs, praised the duo for their playfulness, but Len had to bring the party to an end. He said that Jack's footwork was poor, and that his technique -- unlike his charm -- left much to be desired.

Judges' score: 23

Donald Driver & Peta Murgatroyd
Dance: Cha-cha-cha
Donald Driver is no Hines Ward, but he's no Metta World Peace either, and that's a very good thing. However, I have to admit that I was slightly more captivated with his unusually skinny chicken legs than I was with his cha-cha-cha.

His moves were pretty sharp, and there were definitely some signs that he had naturally talent, but I'm still not sure he has what it takes to make it to the end. He has the charisma, but sometimes your personality can only take you so far and his excitement on the dance floor was a bit of a turn-off for the judges.

But it was a definite crowd-pleaser, as Donald received the first standing ovation of the night.

Judges' score: 21

Gavin DeGraw & Karina Smirnoff
Dance: Foxtrot
Oh Gavin. You've got awkward white boy syndrome. Watching Gavin try and do the foxtrot with reigning Mirror Ball champ Karina was like watching a high school boy trying to dance at the prom. Super awkward.

So out of my love for Gavin -- and his hit single "I Don't Want to Be," which is still one of my most-played songs on iTunes -- I wrote him a letter.

Dear Gavin,
My 14-year-old self really loves you. She also really wants you to win this competition because she has your picture on her wall. However, my 22-year-old self thinks that your dancing leaves much to be desired.

In other words, if you don't really improve next week, I think that you might be in danger of going home. So, you have two choices: You can either learn how to accurately move your feet, or you can go home. And yes, I'll play "Not Over You" in your honor.

Love,
Crystal

However, I will say that Gavin's performance is definitely more in-tune with what week one performances should look like. I mean, come on judges, they can't all be perfect! There needs to be signs of improvement from week-to-week or else there's not fun. Look at Rob Kardashian last season -- in the beginning, everyone counted him out, and look, he made it all the way to the finals.

Could Gavin DeGraw be the new Rob Kardashian? My 14-year-old self really hopes so. Meanwhile, my 22-year-old self still can't believe Gavin told the crowd that he was "in the middle of a pretty sandwich right now." Ugh. Awkward white boy syndrome.

Judges' score: 20

Roshon Fegan & Chelsie Hightower
Dance: Cha-cha-cha
Is it too early to have a favorite? Because I think Roshon may have just captured my heart. Is that inappropriate considering that he's 20 years old? Maybe. But seriously, just give this kid a ticket to the finals. He's youthful, fun, energetic and most important of all, exciting to watch.

Roshon is the Lena Dunham of "Dancing With the Stars": He's the voice -- or, feet -- of his generation. You know, the One Direction generation.

Also, the house band played The Wanted's "Glad You Came." Roshon + The Wanted? That's pretty much every teen's dream come true. Smart move, ABC.

Judges' score: 23

Sherri Shepherd & Val Chermerkovskiy
Dance: Foxtrot
Sherri Shepherd, like last season's Carson Kressley, has one giant personality, and it definitely transcended to the dance floor. The "View" co-host admits that elegance isn't necessarily her strong suit. In fact, at one point she shouted, "I'm elegance! Let me out!"

Her dancing wasn't that bad either. She had fun with the foxtrot, and I couldn't think of a more perfect partner for her than Val. He's the calmer, gentler Chermerkovskiy brother. They're a bit of an odd couple, but Sherri has enough personality for the both of them.

Sherri is really the cutest, especially when she goes over to give her son a kiss. Of course, this makes Carrie Ann exclaim, "YOU ARE THE HAPPIEST CONTESTANT THAT WE'VE HAD IN ALL 14 SEASONS!" Excuse me, but I'll take whatever Carrie Ann -- and Sherri -- are having.

It's only after Sherri exclaimed, "Jesus is good," that I realized that Sherri Shepherd isn't this season's Carson. She's really the Tim Tebow of "Dancing With the Stars."

Judges' score: 23

Melissa Gilbert & Maksim Chmerkovskiy
Dance: Cha-cha-cha
Eek! This might just be the most disastrous pair of the season. Melissa Gilbert is a bit of a nervous wreck, but hopefully Maks will be able to calm her nerves.

(Side note: The amount of clothing Maks wears in inversely proportional to the level of confidence he has in his partner.)

Maks pretty much dragged Melissa across the stage like he was pulling Laura Ingalls by her pigtails. It was scary, and when Melissa hesitated during her first drop, I actually thought Maks was going to break her. Obviously, Melissa was nervous, and it certainly showed on the dance floor, but she was also challenged with more ambitious footwork.

And we get it Melissa. You were on "Little House in the Prairie." You don't have to remind us every minute.

Judges' score: 20

Martina Navratilova & Tony Dovolani
Dance: Foxtrot
Martina doesn't do heels. She doesn't do dresses. In fact, she hasn't worn a dress in 20 years. Needless to say, I wasn't expecting the tennis star to wow me in the ballroom.

Martina definitely stumbled on the dance floor -- more than a few times -- but it's hard to hate on someone who is so genuine and honest. Not to mention I think Tony, having been on the show for 13 seasons now, definitely deserves a win sometime soon. Sadly, I don't think he'll find his eternal Mirror Ball glory with Martina.

Sigh.

Judges' score: 20

Katherine Jenkins & Mark Ballas
Dance: Foxtrot
Katherine is a new face to America, which may hurt her when it comes to relying on the public's vote. After all, we know that "Dancing With the Stars" is really just a popularity contest at this point.

However, after tonight's performance, the British opera singer may be one of the best dancers Season 14 has to offer. She's a total natural, and her foxtrot looked completely effortless. Oh, and did I mention that she's also gorgeous? After last season's early elimination, Mark might have found himself a winner.

Somewhere, I bet Derek Hough is pulling out one of his four chest hairs in frustration.

Judges' score: 26

Gladys Knight & Tristan MacManus
Dance: Cha-cha-cha
"I'm Tristan MacManus, and I'm the hot one in 'Dancing With the Stars.'" Truer words have never been spoken. Yes Tristan, you are the hot one, and hopefully, your legions of fangirls will help you stay to the end.

Of course, it helps when your partner is a living music legend.

Gladys Knight is by far the sassiest woman to ever step on the "Dancing With the Stars" dance floor. She also has the most natural rhythm out of the bunch. What can I say? This legend has moves.

But the best part of her cha-cha-cha was the amount of fun she was having on the dance floor. You can tell that she's a performer because when you put Gladys Knight in front of a crowd of people, she shines.

I'm just going to say it. I'm totally Team Gladys and Tristan -- and I think the judges are, too.

Judges score: 23

Jaleel White & Kym Johnson
Dance: Cha-cha-cha
They say that you save the best for last, and that was totally true tonight. Jaleel White may have just secured a spot in the finals because his moves were really impressive. But, I mean, what else could you expect from Urkel? Whoops! Did I do that?

Jaleel White wants everyone to know one thing: He's not Steve Urkel, and he made that very clear, so if you're waiting for him to bust out the Urkel dance, you might end up waiting for a very long time.

Jaleel is hands-down one of the best dancers in the competition, and when it comes to voting, he's also got legions of fans. It's pretty much a win-win for Jaleel and Kym.

Of course, anyone that's seen Cee Lo's music video for "Cry Baby" knows that he has a few tricks up his sleeve.

Judges' score: 26

"Dancing With the Stars" airs Mondays at 8 p.m. ET and Tuesdays at 9 p.m. ET on ABC.

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Follow Crystal Bell on Twitter: www.twitter.com/newyorkbell

Source: http://www.huffingtonpost.com/crystal-bell/dancing-with-the-stars-season-14-premiere_b_1365762.html

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iPad review: It's a renovation, not a revolution

4 hrs.

Rosa Golijan

At 12:05 a.m., moments after Thursday turned into Friday, my new iPad was in my hands. I tucked it under my arm and looked around. There was no magic, there were no lines and there were no applauding Apple Store employees.

It was just me, three other sleepy-looking customers, and four store employees. We were in the electronics department of a Walmart.

I shrugged that sad reality off and went home to unbox my new toy. "It's like the old one," a shrill voice kept repeating in my head, as I stood with an iPad 2 in one hand and the new iPad in the other. "The new one even weighs a bit more. Barely, but I can feel it," I thought, before finally turning the device on.

And then it was as if someone firmly smacked the back of my head and knocked me out of a daze. The screen?? oh, that screen! It was sharp, clear, and it was all I could think about as I went through the motions of setting up the device. And it's still the only thing that truly stands out to me as I write these words. Oh, that screen.

The reviews painstakingly crafted by fellow tech writers made it clear: This new iPad was identical to the old one, save for a better display and some metaphorical horsepower. Since you're reading this particular blog post, you're probably already aware of all those generalities ? the hype brought you here. So?let's talk about the details ? the devil's in 'em after all.

The screen
Most of that hype is about the gadget's display. It's a Retina display ? similar to the one found on the iPhone 4 and iPhone 4S ? and, as BuzzFeed's John Herrman helpfully points out, most folks will tell you that you have to "see it to believe" how good it is. But here's what you really need to know about it: It has a resolution of 2048 x 1536 pixels. That's well over 3 million pixels which are crammed into the 9.7-inch device. The average, significantly larger HDTV has about 2 million pixels, and the iPad 2 only just over 700,000.

The speedy processor
The third-generation iPad has a dual-core processor with quad-core graphics. (Mind you, that's not the same thing as a quad-core processor, and Apple's introduction of the iPad's new chip was a bit misleading.) This means it should be speedier than the prior model. The folks at SlashGear tested this assumption by shooting videos with both a new iPad and an iPad 2, and processing them in the iMovie app. A one-minute 720p HD clip took 1:01 to export on the iPad 2, while it took 0:52 to export on the new iPad. A five-minute 720p HD clip took 5:11 on iPad 2, and just 3:39 on the new iPad. The speed increases speak for themselves.

4G LTE wireless connectivity
Unlike the iPad 2, which merely offered 3G connectivity, the new iPad can handle speedy 4G LTE connections. Depending on whether you choose AT&T or Verizon as your carrier, the LTE coverage in your area and the mood of the technlogy gods, the speeds you'll see will vary. Macworld's Jason Snell saw speeds of 14.5 Mbps up and 20.6 Mbps down; the Verge's Josh Topolsky noticed speeds as high as 12 Mbps up and 22 Mbps down. They tested their devices in San Francisco and New York City respectively.

Battery life?
Since the new iPad is speedier, supports LTE and offers a Retina display, it is safe to assume that it's a killer on batteries. Naturally Apple anticipated any problems and made sure to include a better battery than the one built into the iPad 2. According to the Wall Street Journal's Walt Mossberg, the tablet's battery life "degraded by just 11 minutes." Other reviewers saw similar results, though no one's had the chance to do extensive battery testing just yet. Most noted that the device takes significantly longer to charge than the prior model though.

Measuring up
The larger battery means that the new iPad weighs .11 pounds more than the iPad 2 and is .024 inches thicker. In real-world terms, that translates to a device with the thickness of an average pen ? at least based on the pens in my desk drawer ? and the weight of nearly two Diet Coke cans.

Why it's not perfect
Apps designed for the new iPad will take up more memory than current ones (thanks to graphics created to take advantage of the Retina display).

According to several reviewers, the device runs a bit hot when connected to an LTE network.

Based on my own experience, it can have "light leaks" ? bright spots along the edges of the screen ? like some of the iPad 2 devices. We'll see if that goes away over time, as in previous instances of not-yet-dried glue from the factory.?

To buy or not to buy?
I've barely had my new iPad for half a day, but it's met expectations so far, and my experience matches those of reviewers who got the device in advance of launch.

The display is, as I've obsessively mentioned again and again, impressive. The battery life is seemingly solid?and my iPad appears to be 87 percent charged after I've downloaded a movie from iTunes, played it, kept the device's brightness high, and then idly browsed the Internet for awhile. I don't have any genuine complaints about the device?? but then again I didn't find many faults with the iPad 2, either.

Besides, what else would I buy if hadn't bought the new iPad? A Kindle Fire would've saved me at least $300, but it would've felt like a significant step down as both it and the Android 's app market still lack the polish of Apple's offerings. The Samsung Galaxy Tab and Asus Eee Pad Transformer Prime would've also been solid alternatives to consider, but ??as testing by PCWorld's Melissa Perenson shows ??they don't quite keep up with the new iPad in a lab setting. If I am unwilling to make any compromises, be they related to software or hardware, the new iPad was my most reasonable choice.

"Maybe I'll get one and sell it on eBay in a few days," remarked the woman who'd rung up my iPad as I began to walk out of Walmart. I rolled my eyes, but quietly contemplated doing the same thing.

It's a marginal product upgrade and it won't necessarily fill iPad 2 owners with the fuzzy-wuzzy feelings a new gadget brings. But if you're brand-new to the world of Apple tablets? Oh, my dear reader, it'll be as "magical" and "resolutionary" as the marketing material suggests.
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Want more tech news, silly puns, or amusing links? You'll get plenty of all three if you keep up with Rosa Golijan, the writer of this post, by following her on Twitter, subscribing to her Facebook posts, or circling her on Google+.

Source: http://www.gadgetbox.msnbc.msn.com/technology/gadgetbox/ipad-review-renovation-not-revolution-463973

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'The Rosie Show' Cancelled: Oprah Winfrey's OWN Network Axes O'Donnell Talk Show

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Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/VFD4vnM5Xxs/

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Home Equity Line of Credit or Second Mortgage Loan Online ...

If you are wanting

to get a home equity loan, rates are low enough that breastfeeding may want you to make use of that equity in your home. Do you need some ideas on what you could do to multiply your equity or make some extra money off of the capital that could be available to you?

Here are some suggestions of ways to put the equity to good use when you go to take out a home equity or cash out refinance loan.

first Do a home improvement that will increase the equity in your home more than the cost of doing the improvement. As

to example, I have heard rumors that adding a deck to a home, because of the amount it increases the homes resale value, can add up to four times the cost of actually installing the deck.

2 If you have a low interest rate on your home, invest your equity in a low risk investment that has a much higher return on your money. 3rd Buy an existing business or start a new business with the equity capital in your home. If you can start a low-risk business, take the opportunity to let your equity work for you. 4th Use the

equity as a downpayment on an investment property or a rental.

5 Use it to consolidate high interest debt and possibly save yourself hundreds of dollars a month dog to put toward something else. 6th Use it to finance your education and increase your earning power. 7th If you live in area zoned for this, you could finish a basement or area of ??the house to rent out. You could create a separate living space or apartment on your property. Just be careful to not do anything risky with the equity in your home. If you can get a low enough rate, it may be worth taking that money and investing it somewhere else. If you would like to view our recommended home equity loan lenders or get more information on home equity loans click here:
Recommended Home Equity and Second Mortgage Lenders id=?article-resource?> Carrie Reeder is the owner of ABC Loan Guide . . ABC Loan Guide is an informational loan website with informative articles and it has recommended lenders to help you get the best mortgage service possible

Find More Equity Capital Articles

Source: http://www.lovefinanceinfo.com/2012/03/home-equity-line-of-credit-or-second-mortgage-loan-online-things-to-do-with-your-homes-equity/?utm_source=rss&utm_medium=rss&utm_campaign=home-equity-line-of-credit-or-second-mortgage-loan-online-things-to-do-with-your-homes-equity

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Social Media Marketing For Health and Fitness Enterprises | Internet ...

Will you be utilizing social media to assist build your conditioning company? Sites, Facebook, Twitter and various social media are growing in usage just about every day by your shoppers. Being an instance of the pervasiveness of social media, it?s adjusted the way folks are working with the Internet. Previous 12 months, Facebook approached Google in phrases of one of a kind guests ? this is certainly an astounding sea improve in what folks are doing on line.

In a term, these are ?sharing?. Social media equipment for instance Blogs, Facebook, YouTube and Twitter have built sharing incredibly simple, and in most conditions consumers are sharing around popular interests and passions (like health!). Further more, consumers are more and more sharing all around business events and organizations in addition to the social and private sharing that characterized the early times of social media.

There?s one other large trend which you have possibly observed in your own private company: persons are progressively starting their searches for items and services on line. A vital marketing aim for any tiny small business ? and a vital cause to look at social media marketing, is just that by performing so, you can occur up bigger on the benefits pages of Google together with other search engines.

One way to think about social media marketing is as your ?next layer? of Internet marketing. To begin with you will get a website, you then ?optimize? it with words so men and women can locate it, then probably you get Google or other ?pay per click? services. The next stage is to Interact people today. For getting your consumers and prospects to interact along with you and with every other! This does numerous critical important things:

1) Will get you into a entertaining and appealing dialog on line along with your group

2) Will increase your ?Google ? rank?

3) Will increase visitors to the website

4) Will increase word-of-mouth and referrals

A single of the easiest solutions to begin to use these resources is usually to site. But watch out, due to the fact a blog?s actual value is simply realized if there is clean repeated content flowing into it. Many smaller corporations start off running a blog only to realize they do not have the time, sources or techniques to maintain and retain a consistent publishing schedule. At times running a blog is often outsourced. In the event you contemplate this feature, just be certain you happen to be on the exact page along with your blogging company in conditions of what articles is appropriate.

Site material could be ?streamed? to Facebook and Twitter accounts, creating a scenario where by your key social media articles is centrally archived ? but broadly distributed on other networks. The moment your blog subject material commences to build in quantity, the end result is a lot more content articles and data beneath the ?eye? of Google. The act of submitting new (appropriate) information, and the sheer quantity of content may make your online business more findable on line.

Although ?Google Rank? is a critical good thing about utilizing social networks to sector, there may be also huge value in getting your prospects interacting with the business, and with eachother close to your model. Time spent commenting in your blogging site posts, or Facebook wall, is time put in in the existence of your respective model, and wherever there is normally a website link again on your websites. In an period wherever countless service searches start out online, social media marketing is a effective and impressive new method to marketplace.

Want to find out more about Health Marketing. Check out Kurumu Jorhons?s site where you can find out all about Marketing for health and what it can do for you.

Tags: Internet marketing

Source: http://articles.buildabetterbusinessonline.com/social-media-marketing-for-health-and-fitness-enterprises/

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Lisa Phillips to Discuss ?Do It Yourself? Self Improvement on The ...

Lisa Phillips is a success coach based in Sydney, Australia.? Her passion is helping people really love, accept and believe in themselves. Prior to becoming a success coach, her background was in Finance and Change Management and, at a time when it seemed that her life was falling apart, she decided to get into Neuro Linguistic Programming (NLP) and Success coaching. ?Not only was she able to turn her own life around but her holistic approach in working with clients allows them to make an effortless transformation in their lives.? In addition to her formal training, she has completed workshops and courses with many of the world?s leading self development experts, including Debbie Ford, Doreen Virtue, Erkhart Tolle and Louise L. Hay.? Lisa is also a regular contributor to many Australian magazines including Cosmopolitan, Women's Health, Weight? Watchers and Dolly.???She also runs her own ?Spiritual and Irritable? radio show.

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Show Description: This will be a true ?self improvement show? as Lisa Phillips talks with us about her approach to helping individuals make those changes necessary to lead happy and fulfilled lives. She will share with us her practical but very effective steps to self discovery and transformation covering such critical topics as dealing with limiting beliefs, negative self talk and past debilitating memories. She comes with tools that can help you ?move from self doubt to self love and from limiting behaviors to self love and success. We will discuss her new book Amazing Coaching DIY Manual: Coach Yourself to Success and Happiness that guides you through the steps that help you do your own inner work. Join us on Thursday at noon Pacific time for a show that is truly about self improvement and puts you in the driver?s seat on the self improvement bus.

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About The Self Improvement Show

The Self Improvement Show is hosted by Dr. Irene Conlan who is serious about helping people achieve their self improvement goals and begin to experience the happiness they deserve and desire. She has a Masters degree in nursing and a Ph.D. in metaphysics. Irene has taught nursing at ASU, served as Administrator of Nursing at a major Phoenix hospital, and served as Assistant Director in the Arizona Department of Health Services. A certified hypnotherapist, Irene has had her own therapy practice for the past 14 years. She started The self Improvement Blog in 2007 and when it reached 45,000 visitors each month, Irene decided it was time to take it to the airwaves.

The Self Improvement Show, like the blog, was created because almost everyone wants to be better, do better, and achieve more. All real change comes from within but many of us don?t know where to find the information or guidance we need to make the changes that bring about the improvement. And many of us don?t know how to work ?within.?

The Self Improvement Show will address who you are, why you?re here on this planet, how to go within, how to come to know what you believe and why. Irene States, ?Our guests tell their stories about what worked for them and can give you direction for what might work for you.? The Self Improvement Show is broadcast live every Thursday at 12 Noon Pacific Time on the World Talk Radio Variety Channel.? Click on ?Today?s Show?

Source: http://azventurecapital.com/arizona-broadcasters/lisa-phillips-discuss-diy-improvement-improvement-show-march-15-12-noon-pdt-arizona-time/

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9-Year-Old Boy's Shrinking Brain Disorder Baffles Doctors

News | Mind & Brain

Neurologists search for a novel genetic mutation to explain why an Australian boy's brain has been withering since birth

By Ferris Jabr ?| March 13, 2012?|

CEREBRAL SHRINKAGE: A 9-year-old Australian boy's brain has been shrinking since birth. He may have an unidentified neurodegenerative disorder. [Brain shown here is not Jason Egan's] Image: John A Beal, WIkimedia Commons

Jason Egan does not walk, talk or eat like most nine-year-olds. He gets around in a wheelchair and depends on a feeding tube threaded into his stomach. He makes signs with his hands to communicate and has mustered the word "mom" on occasion. Although he cannot always articulate his feelings, he clearly feels a great deal. He is often seen smiling and laughing, especially when his father pushes him around the block near their home in Victoria, Australia.

So far, no one has figured out exactly what is wrong with Egan. His doctors know that the boy's brain has been shrinking since birth, but he has tested negative for all known neurodegenerative disorders. Jason Egan may have a disease that is new to science.

At first, Egan's doctors diagnosed him with cerebral palsy?an umbrella term for a group of related movement disorders. Children with cerebral palsy may have difficulty standing, moving, hearing, seeing and speaking. Their muscles are unusually tense and refuse to stretch, and their joints lock in place; some children experience tremors or seizures as well. In many cases, such children's brains were damaged during pregnancy or childbirth, usually in a way that limited oxygen to developing neurons. Symptoms of cerebral palsy may appear as early as three months?difficulty crawling, for instance?and usually make themselves known by age two.

One of the defining features of cerebral palsy is that it is nonprogressive, which means that the severity of symptoms remains relatively constant over one's lifetime. Egan's symptoms, however, have changed over time. In 2009, around his sixth birthday, Egan began to lose what little sign language he had and stopped saying "mom." He started shaking and he did not seem to feel pain anymore, even when he injured himself.

Brain scans confirmed that something was amiss. In 2010 Victoria Rodriguez-Casero, a neurologist at The Royal Children's Hospital in Victoria, scanned Egan's brain and compared the new image with pictures taken several years earlier. Egan's whole brain was smaller than before?much smaller. When Egan's doctors first diagnosed him with cerebral palsy, they found that his cerebellum?an ancient part of the brain that controls movement?was unusually small. In many forms of cerebral palsy, the cerebellum is damaged or smaller than average, but it is not supposed to shrivel like a grape in the sun. And cerebral palsy certainly does not involve continual withering of the entire brain. Egan's original diagnosis was inaccurate. The brain shrinkage had gone unnoticed until then because once a patient is diagnosed with cerebral palsy, there is little reason to keep checking the brain?the organ is not supposed to deteriorate.

To figure out what was really ailing Egan, Rodriguez-Casero tested him for numerous neurological disorders. He did not meet the criteria for any of them. He did not have neuroaxonal dystrophy, a developmental disorder caused by a genetic mutation that impedes speech and movement in ways that resemble cerebral palsy. There was nothing wrong with his white matter, a mesh of glial cells and sheathed tails of neurons that transmit outgoing signals in the brain. After Rodriguez-Casero finished testing Egan for what she thought were the most likely diseases, she moved on to just about everything else: an exhaustive series of blood, genetic and electrophysiological tests for mitochondrial, metabolic, genetic and neural disorders?none of which offered anything conclusive.

"There is not one test he hasn't had done," Rodriguez-Casero says. "He doesn't qualify for cerebral palsy, because the disease is progressing. The bottom line is, I don't know yet and I hope we will figure out what's happening to him."

About two months ago, Egan received his most recent magnetic resonance imaging (MRI) scan. His brain seems to have stopped shrinking?it is roughly the same size as it was a year ago. The discovery brought relief, but not an explanation.

Right now, Rodriguez-Casero's colleague Richard Leventer and other neurogeneticists are analyzing the boy's DNA to identify any novel mutations. He may have a genetic mutation that doctors have not yet written into textbook medical knowledge because its role in disease is not well understood. "If we identify a new mutation, we will look worldwide for anyone who is studying that particular gene," Rodriguez-Casero says.

For now, Egan spends his time at home with his family, periodically visiting the hospital for brain scans and monitoring. "Often children with neurodegenerative disorders lose their awareness and their ability to interact and show emotion," Rodriguez-Casero says. "But not so with Jason. Even people who haven't met him before know how much he feels. You can see the child behind the disease."

Source: http://rss.sciam.com/click.phdo?i=6cda6cdd6dccfddbc8d73bd6535483f8

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San Francisco sheriff pleads guilty in spousal-abuse case

SAN FRANCISCO (Reuters) - San Francisco Sheriff Ross Mirkarimi, in a deal that would allow him to keep his badge and gun, pleaded guilty on Monday to a lesser misdemeanor charge in a spousal-abuse case linked to a New Year's Eve quarrel with his estranged wife.

Under terms of his plea deal, prosecutors agreed to recommend Mirkarimi serve three years on probation, attend domestic-violence counseling and perform 100 hours of community service. He would also pay a $400 fine plus minor court costs, his attorney Lidia Stiglich said.

But in a sign that the political future of the city's first new sheriff in three decades may still be in question, San Francisco Mayor Ed Lee said he was meeting with the city attorney to consider his options.

"I understand the troubling nature that this guilty plea raises, given the sheriff's role in overseeing and incarcerating criminals in our county jails," Lee said in a statement. "I intend to make a decision based on all of the facts as quickly as possible."

The case against Mirkarimi grew out of a New Year's Eve argument between him and his wife, Venezuelan television actress Eliana Lopez, as they fought over her plans to take their 2-year-old son, Theo, on a trip to her home country.

In a video shot by her neighbor the day after the incident, Lopez said that Mirkarimi, 50, had grabbed her with such force that he left a bruise on her arm. Lopez, 36, later said she did not wish to testify against her spouse.

Mirkarimi, who faced misdemeanor charges of domestic violence battery, child endangerment and dissuading a witness, ultimately pleaded guilty to a reduced charge of restraint on liberty. Asked if he would resist calls to step down after a case that has stirred a local political uproar and drawn intense media coverage, Mirkarimi said that he saw no reason he should leave office.

"There is nothing constitutional or legally that inhibits my ability to be sheriff," he said, speaking before the statement by Lee. A spokeswoman for the sheriff, Susan Fahey, said the lesser charge would allow him to keep his gun and his badge.

Under city rules, a mayor can initiate a process to remove a sheriff from office, but the final decision on removal would require a three-fourths vote by the city's Board of Supervisors.

In agreeing to the plea deal, both Mirkarimi and prosecutors avoided a protracted legal battle. Before bringing the video before a jury, prosecutors had to overcome a series of legal challenges stemming from Lopez's unwillingness to cooperate with them. Lopez, through her lawyers, had sought unsuccessfully to suppress the footage as evidence.

A trial could have been excruciating for Mirkarimi as well, with a former girlfriend, Christina Flores, ready to testify about the intimate details of their one-year relationship, including a bruise he allegedly inflicted on her in an incident similar to the one described in the video.

Mirkarimi, a co-founder of the California Green Party and a former member of the San Francisco Board of Supervisors, was charged on January 13, five days after he was sworn in as the city's first new sheriff in three decades.

(Writing by Steve Gorman; Editing by Cynthia Johnston)

Source: http://news.yahoo.com/san-francisco-sheriff-pleads-guilty-spousal-abuse-case-010948808.html

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Predators needed to increase biodiversity

The struggle between predator and prey may seem savage and senseless to humans, but new research suggests it is not only essential for life on Earth, it also increases biodiversity.

Without the forces of one species preying on another, researchers found that species diversity drops.

"One of the key challenges of both ecology and evolutionary biology is to understand the mechanisms that maintain biodiversity," the researchers write in the study, published Monday in the journal Proceedings of the National Academy of Sciences.

The researchers built a miniature world in their laboratory ? they put two closely related species of bean weevils (Callosobruchus maculates and Callosobruchus chinensis) in lab enclosures, with and without a parasitic wasp, Anisopteromalus calandrae, which infects them.

1. More science news from msnbc.com

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   4. Why carnivores lost their taste for sweets

At immature stages, the weevils live inside beans, chewing out when they reach maturity. They are a pest infecting many important crops. The parasitic wasp lays her eggs inside the weevil larvae in these beans.

Without the ever-present effects of a predator, one of the two weevil species would die off within 20 weeks, the researchers found. If they introduced the predator wasp into the lab ecosystem, all three would survive for 118 weeks (the length of the study ? that's two years, three months and two weeks).

During this time, the populations would fluctuate: For a time C. maculateswould be more abundant, thenC. chinensis would make a climb. The parasitic wasp seems to learn and preferentially feed on whichever species was most abundant. Because the wasp can learn and switch between the two species, its presence is what enables them both to survive.

Without the predator's presence, the researchers saw that C. maculates consistently overran and killed off C. chinensis(the two weevils are competing for resources, like food and living space). "When the parasitoid was added, it reduced the effect of direct resource competition between the two host species by depressing host densities," the researchers write.

The researchers suspect the same would hold for larger species, for example, blue jays and moths. Previous studies have indicated that the jays preferentially eat the more abundant species of moth, similar to how the wasp preys on the most abundant weevil. The jay's preferential feeding may be an ecological driver increasing moth diversity.

"Predation has an important role in greatly enhancing the coexistence of prey populations, suggesting that predator learning affects predator-prey population dynamics and shapes biological communities in nature," the authors write.

You can follow LiveScience staff writer Jennifer Welsh on Twitter @microbelover. Follow LiveScience for the latest in science news and discoveries on Twitter @livescience and on Facebook.

? 2012 LiveScience.com. All rights reserved.

Source: http://www.msnbc.msn.com/id/46711473/ns/technology_and_science-science/

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are my rights violated - Legal Help

This is a discussion on are my rights violated within the Criminal Law & Criminal Procedure forums, part of the Legal Questions & Answers Forum category; I was arrested at my home for a warrant from the year 2000, for hot check. after i get to the police station, the drug task force come in and ...

1. I was arrested at my home for a warrant from the year 2000, for hot check. after i get to the police station, the drug task force come in and proceed asking me are drugs at my house, and asking me questions about whos dealing drugs in my town. during questioning they leave the room come back and put handcuffs on me proceed to take me to my home but decide to go to a motel lock me in the cop car and proceed to make a drug bust, then the officer jumps in car and stops a vehicle and begins to search them and after other officers arrive they cover my head, make me be quite and get out and run to another cop car and hide , then i was brought back to police station and put in cell until i bonded out 24hours later because they couldnt get my paperwork right for me to bond out earlier. did the officer put my life in danger all over me being arrested for a warrant for hot check? I was arrested at my home for a warrant from the year 2000, for hot check. after i get to the police station, the drug task force come in and proceed asking me are drugs at my house, and asking me questions about whos dealing drugs in my town. during questioning they leave the room come back and put handcuffs on me proceed to take me to my home but decide to go to a motel lock me in the cop car and proceed to make a drug bust, then the officer jumps in car and stops a vehicle and begins to search them and after other officers arrive they cover my head, make me be quite and get out and run to another cop car and hide , then i was brought back to police station and put in cell until i bonded out 24hours later because they couldnt get my paperwork right for me to bond out earlier. did the officer put my life in danger all over me being arrested for a warrant for hot check?

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Source: http://legalhelp.org/criminal-law-criminal-procedure/1903-my-rights-violated.html

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Santorum attends church, greets voters in Tupelo

by Emily Le Coz/NEMS Daily Journal Djournal.Com

Republican presidential candidate, former Pennsylvania Sen. Rick Santorum visits diners at Sweet Peppers Deli, Sunday, March 11, 2012, in Tupelo. (AP Photo/Eric Gay)

slideshow TUPELO ? Republican presidential candidate Rick Santorum worshiped in Tupelo on Sunday before shaking hands with a throng of supporters at Sweet Peppers Deli.

Accompanied by incumbent congressional candidate and U.S. Rep. Alan Nunnelee, R-Miss., Santorum and his wife, Karen, attended service at Calvary Baptist Church. Nunnelee's wife, Tori, also attended service. It's the couple's regular place of worship.

Their presence was low-key but earned a mention from the Rev. David Eldridge, who publicly welcomed the Santorums and praised the candidate's religious convictions on the campaign trail. He also said the congregation would pray for him.

Afterward, the two families and their entourage of campaign staffers and Secret Service agents stopped for lunch at Peppers on West Main Street.

Hundreds of people crammed the restaurant for a glimpse of the presidential candidate and former Pennsylvania senator. Tupelo police officers and firefighters were camped outside the building.

Among the well wishers was Tishomingo resident Leslie Whitlock who traveled just to see Santorum. She considered herself undecided in the presidential primary until meeting Santorum. Now he'll get her vote.

"It's nice he took the time to talk to everybody and pose for pictures," Whitlock said. " I really like him and his wife."

Tupelo resident Jason Darnell said Santorum is the only presidential candidate who has remained consistently conservative during the campaign.

"He's pro-life, he has strong social values," Darnell said. "He's a family man."

Santorum spent about an hour at Peppers shaking hands and chatting with patrons. He then took media questions and filmed a brief spot for Fox News.

The candidate called Mississippi a critical state in the campaign and said he stands a good chance of winning it.

"People in Mississippi will vote for conservative values," Santorum said. "I offer a stark contrast to Obama."

Santorum faces former Massachusetts Governor Mitt Romney, former Speaker of the House Newt Gingrich and U.S. Rep. Ron Paul, R-Texas, in Tuesday's GOP presidential primary.

Mississippi has 40 delegates to award.

Source: http://nems360.com/bookmark/17837391

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Snake Saturday Parade Gets People in St. Paddy?s Mode

NORTH KANSAS CITY, Mo. ? Snake Saturday is a 28-year old tradition in Kansas City. The parade draws nearly 100 participants to North Kansas City.
FOX 4?s Carey Wickersham reports how people all over the metro get into the St. Paddy?s Day spirit a week early!

Source: http://jacksoncounty.fox4kc.com/news/news/76424-snake-saturday-parade-gets-people-st-paddys-mode

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Traveling is quite exciting merely planning the junket doesn?t tend apt be as much pastime Check online as information plus updates almost anything affair abroad that could affect your peregrination plans. It?s a comely fantasy to obtain National Park passes whether you constantly visit National Parks. To tell the most of your gem peregrination period don?t forget to consider how the climate may influence and affect your travel plans. Plan for comfort onward choosing seats you?ll enjoy aboard your plane flights. To diagram out which visa you absence consult your peregrination agent or even the country?s embassy website. When purchasing a peregrination sack,burberry sale,reserve this among mind. Ask aerodrome staff for assistance Travel is a wonderful opportunity to learn more things.
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Air France-KLM sees tough 2012 as fuel costs soar

PARIS (Reuters) - Franco-Dutch airline Air France-KLM warned that a soaring fuel bill would hit profits this year after it swung to a loss in 2011 and scrapped its dividend.

With fuel costs expected to increase by 1.1 billion euros ($1.44 billion) in 2012, Air France-KLM said operating profit in the first half of the year would be below that of the year-earlier period.

"The economic outlook remains uncertain while the fuel price remains at a record level in euros," the company said on Thursday.

But results in the second half of 2012 should benefit from the first effects of its three-year turnaround plan, it added, without giving a specific forecast.

Air France-KLM pledged in January to cut debt by 2 billion euros by the end of 2014 and said it would shrink its fleet by shedding more than a billion euros from a planned expansion project.

Air France-KLM's European rivals are also feeling the pinch from higher fuel costs and the effects of the euro zone debt crisis on passenger and cargo demand.

British Airways owner IAG said last week underperforming Spanish unit Iberia and high fuel costs would dent earnings this year, though it reported a forecast-beating rise in 2011 profit.

Irish airline Aer Lingus warned profit would fall this year due to higher fuel costs, while Finnish national carrier Finnair last month reported a bigger-than-expected quarterly loss due to higher fuel costs and a weaker economy.

German rival Deutsche Lufthansa posted a surprise full-year loss on Wednesday, though it attributed this to a larger-than-expected charge on the sale of its British Midland unit to IAG.

As part of its transformation plan, Air France-KLM, in which the French government holds 15.84 percent, has scaled down plans to grow capacity by 2014 in an effort to improve the demand per available seat, a method of pushing up average revenue.

TOUGH YEAR

It is also deferring deliveries of several Airbus and Boeing aircraft.

Air France-KLM posted an operating loss of 353 million euros for 2011, compared with a profit of 28 million euros in the previous year, reflecting a 904 million euro hike in its fuel bill, the airline said.

No dividend will be paid for 2011, it said.

"2011 was a tough year for the group, due to the uncertain operating environment and the high fuel price," Chief Executive Jean-Cyril Spinetta said in a statement.

Oddo analysts said the loss was in line with its forecasts.

Shares in Air France-KLM, which have lost around 65 percent of their value in the last 12 months, were trading 2 percent higher at 4.27 euros at 1123 GMT, in line with the SBF120 index <.sbf120>, up 2.1 percent.

Spinetta was recalled as chief executive in addition to his chairman role last November, following months of underperformance at the airline compared with rivals.

Spinetta said all the restructuring plan's measures were underway, including a wage freeze for 2012 and 2013.

($1 = 0.7622 euros)

(Reporting by Elena Berton; Additional reporting by Cyril Altmeyer; Editing by James Regan and Elaine Hardcastle)

Source: http://news.yahoo.com/air-france-klm-sees-tough-2012-fuel-costs-113340729.html

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Information On How Organization Consolidating Debts Will Help ...

March 8, 2012

There is predicaments wherever we start to use ceredat crd a lot of cash but try not to ensure it is. In the ones examples we turn to currently taking lending options from your personal financial agency which we have to pay to come back just a stated time. Nevertheless there are times when discussing capable of paying it away thanks to various good reasons. Which will success right into financial debt. There is certainly various kinds of financial debt prefer online business financial debt, financial debt and then financial debt. The moment the load results in being so excessive at online business, we end up needing online business debt negotiation and this can be a path which will minimizes a month fee. You could debt solution consolidate any sort of financial debt with the help of suitable calculates.

You will find there?s financial debt debt consolidation which is available from businesses who only schedule to consolidate just about all outstanding debts in several credit account with a particular a low interest rate credit account in order for the month by month installmets happen to be not as much. Together you should not don?t forget one or more financial debt routine. They can possibly even offer you a lowering of your debt amount that causes the payment that much easier. It?s fruitful for many that definitely have one or more bank card and tend to be sick and tired of paying it further up.

Home business debt negotiation is available such as. Keeping up with one single credit account could be far easier as compared with take care of one or more with the help of wide-ranging monthly interest. You will even find possibility of currently taking unsecured or secured loan product right from a powerful association which will encompasses the total amount of financial debt. Your debt settlement providers feature support in this particular cya who navigate a person?s eye amount aided by the providers and provide you with less attraction to cover. This could lower your financial debt load far and discover possibly even cause conserving out of the return that you simply earn on your online business. Choosing the best agency can clear up your complaint properly.

Learn how to Decide Any Plastic card Fees?

Usually this outstanding debts are very big it can seriously put the damper at this happiness. There are occasions that going barefoot causes us to actually feel lodged and we all consider hard to get from it. There is certainly many kinds of outstanding debts although financial debt are some things which will builds up in the future and the amount results in being so excessive which we find it difficult to focus on it again. Visa card settlement will assist you to identify some respite.

Visa card settlement presents solutions that might provide help to work out your creditors direct aided by the loan providers with only compensation price. They will navigate aided by the loan providers and then you ought to just pay 50% to 60% of the primary equilibrium. For people who have the financial debt which often operates pertaining to 8 years then the could be possibly even lessen. You will have credit card debt negotiation ideas that can right from 18 to 5 years through which you?ll want to pay your creditors amount. Maybe you might even pay even more than the preset amount where there isn?t going to be whatever charge. The cardboard settlement firm just simply charges the reasonable fee every month and also a launch price. They can likewise impose a percentage of your financial debt amount. Be sure you are seeing the fix firm seeing as there are any of them who impose managing settlement is certainly not come to.

You could take a debt negotiation loan product pertaining to deciding all your outstanding debts through all your bank plastic. The excuse for using this type of loan essentially definitely would not have got to home finance loan your place. You could consolidate all your outstanding debts inside a credit account which often impose not as much attraction and perhaps they are sold when it comes to effortless EMI. You get yourself a time period of payment that could be 5-10 ages. Hence which often way you want to criminal lawyers toronto turn? Make up your mind, and acquire gone most of the monetary burden!

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AIG sells AIA shares to pay $6B off US bailout tab (AP)

[unable to retrieve full-text content]AP - American International Group Inc. is selling part of its stake in AIA Group Ltd. to raise $6 billion as it continues to repay the $182 billion government bailout that prevented the company's collapse during the 2008 financial crisis.

Source: http://us.rd.yahoo.com/dailynews/rss/asia/*http%3A//news.yahoo.com/s/ap/20120305/ap_on_bi_ge/as_hong_kong_aig_aia

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Hypnotherapy, NLP, And Self-Help Tools: Helping You Find The ...

There are some instances when mental factors such as stress, anxiety, and the strains of everyday living can be so intrusive that they already affect a person?s quality of life, as well as his personal and professional performance. Sometimes these mental factors can even cause physical symptoms like profuse sweating, tremors, palpitations, and sometimes even chest pain. While the cause of these physical symptoms is mental or emotional by nature, these are very real to the individual enduring them.

It is not correct to say that individuals who experience these issues deliberately cause these. Nor is it right to think that they are fully cognizant that it is their frame of mind which brings about these performance and health problems. There are some strategies you can employ to overcome these detrimental mental factors. Spirituality and meditation are two good examples of such. Alternatively, you may make use of self-help tools such as the book entitled The Mind Master?s Silent Journey made by Dr. Sean Sullivan, who is a psychologist.

The Mind Master program touts itself to be a 21-day road map of self-discovery, to be the best version of you. It also has an iTunes mobile application version, the Mind Master?s Map. The Mind Master?s Map is a free application you can run on an iPad and it contains soundtrack and challenges developed by Dr. Sullivan. Reviews for the said self-help tools are favorable, with many saying that the book is hard to put down, and the entire program as being truly life-changing.

In some instances, supervised therapy may be needed to correct unhealthy behaviors and adopt more effective ways of coping. There are two strategies usually employed by an average San Francisco psychologist to address these issues and these include hypnotherapy and neurolinguistic programming. A hypnotic subject has heightened focus which allows him to home in on a particular thought, memory, or sensation. During hypnosis, you will be in a state of heightened suggestibility as well, which allows the therapist to help you develop new views of a particular event, and to correct self-imposed limitations and destructive behaviors. Hypnotherapy has also shown to be an effective treatment for psychosomatic illnesses such as Irritable Bowel Syndrome.

Neurolinguistic programming or NLP is an approach to modeling human behavior in order to aid in personal and professional growth. NLP can be used to manage anxiety, fears, correct destructive habits, and treat psychosomatic illnesses. NLP proponents assert that people have the potential to be self-actualized individuals if they can overcome learned limitations. This statement is reflected in one of the methods employed by the typical San Francisco Bay Area Therapist trained in NLP, which is, reframing. A frame in relation to NLP science refers to a belief, which limits your view of the world. If you change this overly-pessimistic belief system, you also enable yourself to create a healthier perception of yourself and your experiences which in turn will allow you to live a richer and fuller life.

Dr. Sean Sullivan is a San Francisco Psychologist and performance psychologist who teaches how to clearly see the details of your ?inner world? by creating your own Mind Map. He is the creator of Mind Masters Map, a 21-day online course that details step-by-step how to create a precise personal map of your ?inner world? to follow to becoming an expert creating at whatever ?outer life? you choose.

Source: http://submissionofarticles.com/health/hypnotherapy-nlp-and-self-help-tools-helping-you-find-the-best-version-of-yourself

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How to Choose Dwyane Wade Jersey a Credit Counseling Agency ...

Are you currently scarcely producing Kobe Bryant Jersey stops satisfy? Dodging personal debt selection telephone calls? Unable to satisfy your monthly costs considerably much less conserve money for emergencies or retirement? If this sounds familiar, you may wish to consider credit score counseling. Credit Counseling can boost a lot of elements of your existence. It could help you get from personal debt more rapidly and boost your credit, just to title a few. And there are many agencies on the market that would adore to quickly enroll you within their Financial debt Conduite System. Nevertheless, not all companies are produced equal and not all Dwight Howard Jersey agencies are really looking out for the very best fascination. Just like most factors in lifestyle, if it seems also good to be www.allstarjerseysshop.com accurate, it possibly is.

This write-up will outline some guidelines in choosing a credit score counseling company, what questions you must consult and a handful of warning signs which you might not be coping with an moral practice.

Choosing a Credit Counseling Agency

Trustworthy credit score counseling agencies advise you on the way to realistically handle your funds and your debts, allow you to develop a workable budget, and normally provide free of charge instructional materials and workshops.

Create your own personal checklist on the prospective credit counseling agencies as well as the finest way to verify the reputability of those brief listed credit counseling companies would be to verify them using the Greater Enterprise Bureau. From they you are going to understand how a lot of complaints happen to be filed in opposition to these credit score counseling companies and for what causes.

Credit counselors must be certified and Kobe Bryant Jersey trained inside the locations of consumer credit, money and personal debt administration, and budgeting, and must talk about your complete monetary scenario with you, and enable you to develop a customized strategy to resolve your funds difficulties without having pushing a debt administration program. Erase them from your checklist for all those credit score counseling companies that maintain pushing you to enroll into their personal debt management system without having comprehending 1st on your financial situation.

The Cost

Despite the fact that numerous credit score counseling agencies are nonprofit, there could be some charge include. Bottom line is regardless of whether they ask for "fees" or "contributions", they need to be disclosed and need to be reasonable. Anything over $50 for a consultation charge or monthly fee or contribution is NOT reasonable.

Make sure that the agency is not keeping the very first month's payment as their charge! This is known as being a bad practice in the industry and has been the source of state attorney general lawsuits also as a lot of individual actions towards the agencies that do this.

What Questions To Ask? What services do you offer?

Look for a credit score counseling company that offers a variety of related services. Avoid agencies that push a debt conduite program (DMP) as your only option before they spend a significant amount of time analyzing your economic situation.

What instructional supplies|details LeBron James Jersey do you offer you? Is it free of charge?

Avoid credit score counseling companies that charge for instructional materials or other written details.

What are your fees? Are there set-up and|or month-to-month fees, how are they broken down?

Get a specific price quote in writing and make sure you understand exactly what fees you'll be charged.

What if I can't afford to pay your fees or make contributions?

Under the terms of the Pension Protection Act of 2006, non-profit credit score counseling agencies must give services for free if a customer is unable to pay.

What are the qualifications of your counselors? Are they accredited or licensed by an outside organization?

Use an firm whose counselors are trained by a non-affiliated party and who have a background in financial debt conduite, consumer credit score and budgeting|finance.

Once you satisfied with their answers given by the credit score counseling company and make a decision to consider up their service, remember to get a copy with the contract and review it carefully before you sign it. Make sure the contract includes:

• Disclosure of the amount of your charge or contribution
• Description of the services to become provided
• An estimate from the payoff schedule for that debts
• Disclosure with the termination provisions with the agreement
• Options for resolution of disputes

Warning Signs
Finally, you should be aware of several warning indicators on unethical follow. Get alert with these indicators when you interviewing an company:

• Unrealistic Low Month-to-month Payments
• Money Back Offers
• Loan Programs
• If the promises being created seem like they're too great to become accurate, they possibly are. Beware.

Summary
You have made the first step towards reaching financial independence. Now you must make the subsequent massive stage and choose the Credit Counseling Agency that is very best to suit your needs. Remember, you desire to work with an company whose goals are in line with yours, NOT theirs.

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Source: http://directoryspotlight.com/how-to-choose-dwyane-wade-jersey-a-credit-counseling-agency/

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Source: http://arsonkendall.typepad.com/blog/2012/03/how-to-choose-dwyane-wade-jersey-a-credit-counseling-agency.html

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Looking For The Best Home Based Business?

Having a home based business can be advantageous to many different people. If you are an invalid or have a disability, you may need such a
business in order to still earn money despite being confined at home. If you are a stay at home parent, you will need to have a home based
business in order to add to your income, especially when you have to earn some money but have no means or time to do so, and if you have children
to look after. If you do not have the credentials necessary for someone who has to work higher up in the business echelons, then you may be able
to put up a home based business in order to still earn money without having to fill out a resume and submit it to the scrutiny of educated
executives. So if you are looking for a home based business, you will want the best home based business to help you meet your goals.

What kinds of home based businesses might be best suited for your capacities? The exact answer to that question is of course up to you entirely,
so you will need to know what you want to do and if what you want to do can also earn you a lot of money. For instance, if you like writing, then
you might want to write short articles for websites or provide content for company brochures. If you like designing, you may want to be a
freelance logo or graphics designer. If you like tinkering with website design software, then you could be a freelance web designer. If you like
making arts and crafts of different kinds, then you could put up a gift basket packaging business, knitting or crocheting business, or even
invitation making business.

However, if you are not comfortable working with your hands, or if you do not really like hands on work, then you may want to look at other
options for home based businesses. For instance, if you have many friends and if you are comfortable with networking, then you may be interested
in network marketing. Through network marketing, you will be able to get commissions from people if and when they buy products and services from
you. You will also be able to get commissions when these people recruit more people and have people buy products and services from them.

Although network marketing has earned flak for some time, it is more misunderstood than it is inherently evil. In fact, people can earn a lot from
network marketing, especially where it is done well. You only need to invest some money, and you need to start off with a few good friends in
order to start earning money. You need friends who have the ability to recruit people and sell as well as you; and you need some recording
mechanisms in order to keep track of them, their earnings, and how their work is contributing to your earnings. You also need optimism to keep you
going, because not all of your prospective clients will understand what network marketing is early on, and not all of them will have an open or
good conception of what it is.

So, is network marketing the best home based business for you? Take a look at the advantages and disadvantage of network marketing before you
begin, and do as much research as you can on what work it will entail from you. Network marketing can only be a good business for you to take on
if you know it well enough, and if you know how to get people to be on your side and help you achieve your financial dreams.

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