Secured Loans Overview

While borrowing Using a Credit Card With Your New Business a secured basis will give Same Day Loans access to more credit at better rates, all borrowing does ultimately depend on Stated Mortgage Loan Programs credit report. The better your past behavior and credit rating, the more willing banks and other lenders will be to taking you on Unsecured Tenant Loan Fair Credit a creditor. Insulation Loans you have a poor credit rating, you should consider borrowing a small amount and paying it off properly to improve your rating. This will put you in a better position when it comes to the really big purchases of life such as a new house.

It appears that consumer lending in 2005 will be slightly less than 2004. Borrowing is still high, but it appears as if consumers are making an effort to keep borrowing more under control. Mortgage loans are constitute the bulk of lending. Home equity loans are also very common. The difference between a mortgage and a home equity loan is that a mortgage is borrowed to buy a house, and it is also secured over the house. A home equity loan is when you already own a house, so you borrow for another purpose but still secure the loan over your house.

However the major risk is that if you fail to keep up with repayments, the security, which will Bad Credit Same Day Loans be your home, is at risk. The lender can sell your home to get the value of their loan back. Such a risk needs to be considered very seriously. Losing ones home is the ultimate financial penalty. While there are safeguards, and your home will not be repossessed without a court order, the end of the line is repossession. Likewise, auto finance is typically secured over the vehicle you are seeking to buy. If you fail to make your car payments, the vehicle, which may be the only form of transportation you have, will be repossessed. There are also a number of long term consequences to defaulting on a loan.

One of the most popular ways of borrowing money is through a secured loan. What secured means is that some property, such as a house, is used to guarantee the loan. If you fail to meet repayments, this security is taken by the lender. Although any property can be used to secure a loan, the most common types for personal loans are houses or automobiles. Most of the lending occurring right now in Britain will be on a secured basis.

Benefits of a secured loan

It is easier to be approved for the loan.

The amount borrowed can be much higher.

The interest rate will be a lot lower.

The terms will be less onerous as for unsecured borrowing.

Secured loans are so popular for a number of reasons. While there are risks high risks to secured loans there are also great benefits.

Reuters - Insurance giant American International Group Inc is ARMs the Mortgage That Can Last a Lifetime money to lobby states to soften new controls on the mortgage industry, the Wall Street Journal said.

Gas Credit Cards Help Bring Down the High Cost of Fuel

If you make gasoline purchases on gas credit cards, you will enjoy a reward of anywhere from one to six percent cashback for Home Loans For People With Bad Credit Score fuel purchases. When you think about how much you use your car for travel to and from work, not to mention getting Expert Warns-Consumers Beware of Misleading Reverse Mortgage kids to music lessons and sports events, the miles do add up very quickly. By using gas credit cards, so do the cashback Benefits of Student Loan Consolidation when you use the card for your fuel purchases.

Some of the cards How Credit Reporting Agencies Work the best rewards when you purchase fuel from a particular company, while others offer fuel rewards no matter where you purchase your gasoline or diesel. If you know Home Mortgage Application Process you will be buying fuel primarily at a particular gas station, you can see if there are gas credit cards that they honor, and you will earn a healthy reward as you make purchases and accumulate points.

With fuel prices skyrocketing to over four dollars a gallon, people are looking for every travel advantage they can find to lower their fuel costs. One easy way to save money on gasoline or diesel is to utilize gas credit cards. Gas credit cards are the smart way to shop for fuel.

Some of the gas credit cards also offer rewards when you purchase automotive maintenance service. If you regularly take your car in for Mortgage Payment Protection Insurance servicing and oil changes, those rewards can add up fast.

Gas Credit Cards Mortgage Foreclosure - Escape the Nightmare of Foreclosure Bring Down the High Cost of Fuel

AFP - Shares in London slumped on Wednesday, with the FTSE 100 shedding almost three percent as a rally lost momentum amid Same Day Payday Loan - Fixing Money Problems fears of recession.

Financial Credit Repair - The Credit Secrets Bible Course Review

The book itself is 140 pages and it also Consolidated Student Loans a 70 minute audio course for those that prefer Consolidated Student Loans listen to Refinance Home Loans in the car. The website contains a huge bulleted list of the amount of benefits that the course offers, so check out that list to make sure it covers the material you are after.

With so many folks carrying massive amounts of credit card debt, financial credit repair ph4dge become a huge issue. There are so many sites and books offering to help repair bad credit, but is it really that easy? I decided to review Bad Credit Remortgage e-book that I found online called "The Credit Secrets Bible Course" to see if the information offered was going to be of value to Rebuilding Credit After Bankruptcy looking to fix Bush Announces New and Easier FHA Loan Requirements credit rating.

To start with, The Credit Secrets Bible Course is quite a huge book that promises to help you raise your credit score. I'm sure many folks would like to repair their credit rating so that when they go to make a larger purchase such as car or a house, they won't have as difficult of a time. This course helps in those specific areas, covering diverse topics such as how to deal with a mortgage, the best way to go about financing your automobile, the proper way to refinance if you currently have a mortgage, and the right way to deal with credit card companies. In fact, there is an entire section that will help you understand the time of year that is easier to dispute false credit claims that can adversely affect you credit rating.

Should you buy "The Credit Secrets Bible Course"? Is it worth the money and does it provide solid value? If you are ready to boost your credit rating then I think it is a fantastic start. If you consider how much this book can save when you are ready to make larger purchases like a home or a car, then the value is even greater.

Financial Credit Repair - The Credit Secrets Bible Course Review

Reuters - The United States ushered in a new era in banking Bad News! Credit Cards & Why They Can Kill You Tuesday with plans to take equity stakes totaling up to $250 billion in financial institutions, an incursion into the private sector that U.S. officials called a regrettable last resort.

No Credit Check Student Loans

Well, the good news is it is really possible and even easy to succeed to get your student loans when you have Using Mortgage Refinancing With a Wholesale Interest Rate Credit Card With Your New Business bad credit.

Then check out this free guide to find out!

• Federal student loans
• Private student loans
• Personal student loans

There Paperless Payday Loan some various types of student loans and it is important that you first choose the Telemarketing For Mortgage Business! you like and fits your needs best.

Yes, wasn't it quite easy when you know exactly what to do and where to get your loan?

Not all lenders offer this type of loan so it is important to find the one who does. This is the mistake most people make. They go straight to general lenders who have nothing to do with this. Also do some research to make sure they $5,000 Personal Loans For Bad Credit credible and reliable Cancer Insurance signing anything with them.

No Credit Check Student Loans

Step 3: Submit Your Application and Get Your Student Loan

So how can a poor credit student loan with no credit check be possible?

Here are some of the most common and famous ones...

So good luck with your education!

So is it really possible to get a student loan no matter what your credit history is? Because it is a fact, as you know, that lenders always check your credit history as the first step while processing your loan application. Even though government loan lenders may be less strict about credit, but they still give a very high value to it and it is almost impossible to be accepted without a good credit score.

No credit check student loans are known as the best best and easiest solution Same Day Loans you if you are a student with a bad credit history, but need to get financial help to afford to continue your education.

So here are the steps to get this type of loan...

Step 2: Find a Good Welcome To The World Of Upside Down Motorcycle Loans! who Offers No Credit Check Student Loans

Reuters - Federal Reserve Chairman Ben Bernanke said a U.S. financial rescue plan to be fleshed out on Tuesday would restore normality to markets and lay the groundwork for economic recovery.

NRI Home Loan Maximum Amount

Minimum Three Questions to Mortgage Originator Survival amount

As per a circular issued by the RBI on 31st January, 2007, Loans For Tenants - Monetary Help Without Collateral the loan is against the NRI's NRE Charge Accounts Help Students Establish Credit FCNR accounts, the maximum loan amount cannot exceed Rs. 20 lakhs.

• SBI offers a NRI Home Loan for a minimum The Priority of Online Mortgages Rs. 3 lakhs
• ICICI Bank gives a NRI home loan for a minimum of Rs 5 lakh.
• ICICI bank offers a minimum of Rs. 10 Lakh for loan against property
• Citibank offers a NRI home loan for a minimum of Rs. 2.1 lakhs

Again there are special schemes offered by banks, which break all the rules, like the one from Citibank, which provides a NRI home loan up to 89% of the property value if the loan value is less than or equal to Rs. 50 lakhs.

Here is a roundup of the maximum and minimum loan amounts offered by various banks for their NRI home loans:

For example if you take a NRI housing loan for purchase, construction, extension or renovation of a new house or flat from ICICI Bank, it will happily finance 85% of the total cost of the property. However, if you take a NRI home loan for purchase of a plot of land for residential use, the maximum amount of home loan financed will be 75% of the total cost of the property.

The normal Bad Credit Personal Loans is that banks and housing finance companies easily provide NRI home loans up-to 85% of the cost of the residential property. However, the upper limit of the loan amount sanctioned and the down payment will depend on various factors and can also vary from lender to lender.

Investor's Business Daily - When autos go on sale, more people tend to want to buy. The same with clothing and TV sets and soft drinks.

Student Debt Consolidation Loans Helps You Concentrate on Studies

There are many offline and online lenders available in the market but the online process is preferred more nowadays. A student needs to fill ph4dge.com simple online application form giving details Consolidated Student Loans their requirements and credit status along with the details of the security, if any. The lenders will assess the students' repayment ability and approve the loan amount. As soon as the loan is approved, the money will be transferred instantly to the students' bank account.

Education is a major Refinance Home Loans of everybody's life around the world. But, nowadays money has Bad Credit Unsecured Tenant Loans - Good Days Are Back an essential part of education. Therefore, the students are taking more than one loan to solve their problems. Through student debt consolidation loans a student can add up all the debts into a single debt and pay only one with low rate of interest. A student can save a lot of money because of lower Bad News! Credit Cards & Why They Can Kill You rate and they can utilise that money for other educational expenses.

There are two types of loans available in the market - secured and unsecured. Secured loans require some security deposit for approval of the loan amount. However, being a student Rebuilding Credit After Bankruptcy is not possible to deposit any security to the lender, so in this case a student can ask for the collateral from their parents or any of their relatives. But an unsecured student debt consolidation loan does not require any collateral. A student can apply for loan of 1000 to 10,000 under these loans. The rate of interest varies from 9% to 12% APR and the repayment tenure vary between 5 years to 10 years. In these loans, sometimes the interest rate and the repayment period vary depending upon the financial condition of a student. Therefore, in these loans the students can enjoy maximum flexibility of making monthly repayments.

Reuters - Spain's Banco Santander SA was in ph4dge talks late Sunday to acquire full control of Sovereign Bancorp Bad Credit Remortgage the largest remaining U.S. savings and loan, a source familiar with the matter said.

Bad Credit Unsecured Personal Loans Online

You can first $5,000 Personal Loans For Bad Credit trying to raise your bad credit score before apply for an unsecured Telemarketing For Mortgage Business! loan. This works well because consumers Paperless Payday Loan then able to save some money in interest payments. This, too, will improve their credit rating which is Mortgage Refinancing With a Wholesale Interest Rate a very good idea.

In today's market, those with bad credit have options. Consumers with bad credit can obtain a bad credit unsecured personal loan. Of course, many lenders offer unsecured personal loans to people with a bad credit score but at a Welcome To The World Of Upside Down Motorcycle Loans! higher interest rate. Higher interest rates or big down payments are key concerns if you have bad credit and need an unsecured personal loan.

What bad credit unsecured personal loans have done is they have made a way for consumers to have fast hassle free cash without having to risk any property or collateral. This is the easiest way to secure some instant cash. They are fast because the consumer is not asked to go through any kind Cancer Insurance evaluation process. This makes them much easier to obtain than a normal loan. You can even expect to receive some bad credit unsecured personal loans within a 24 hr period. Keep in mind, though, that if your credit is not so good you can expect to pay higher interest rates.

There is a Loan for Everyone

Bad Credit Unsecured Personal Loans Online

The terms and conditions of the unsecured personal loans vary from lender to lender. Some lenders offer interest rates that are much higher than rates for secured loans. But there are other lenders who are open to negotiation. Usually a borrower who has a good credit history and a good credit score can get a Same Day Loans good interest rate as far as the loans are concerned. Also some lenders require that your financial situation must be stable enough to pay off the loan in time. You must be able to make the monthly payments exclusive of your other expenses. So your monthly income is a factor that may determine the amount that you can borrow in an unsecured personal loan. Since the lender does not have any security or collateral or guarantee to recover his payments, the interest rates are bound to be slightly higher than the normal rates.

What are the Terms and Conditions

Have you ever Considered a Payday Loan

Payday loans are another form of unsecured personal loan. In this form of a loan, you can borrow a small amount of money up to $1000 for a small duration of time. The money has to be repaid on your next payday or paycheck. Hence the loans are also called Paycheck advance or Cash advance. The money can automatically be withdrawn from your bank account or you can hand over the company a post dated check. Keep in mind though that this type of loan comes with a very high interest rate and so these types of loans are best as a one time deal. It just is not good money sense to apply for more than one loan. Consumers say they like to use this type of loan as an emergency and nothing else. This type of thinking is smart and will keep your money in your pocket. So, using this type of loan on a long term basis is not advised and is not smart. You will need to take another look at your finances if you find that you are relying on these types of loans.

No Hassle Cash for Whatever you Need

Reuters - European governments are ready to help banks weather the financial crisis by guaranteeing some of their lending and other measures, according to a document being discussed by leaders trying to stem panic on markets.

Unsecured Bad Credit Loans - The Top Loans For Bad Credit

Unsecured Bad Credit Loans Home Loans For People With Bad Credit Score The Top Loans For Bad Credit

Do you Benefits of Student Loan Consolidation a loan and you have bad credit? It doesn't matter what How Mortgage Payment Protection Insurance Get Business Financing in a Tough Credit Market reason for the loan is, you will be approved! Go to:

First, if you do not already have your credit report you need a copy of it. If your score is below 600, then you have poor credit. If it is above 700, then you can walk into any bank and get a loan right now as long as you have a source of income. Most likely you have bad credit, but there is a way to get the loan you need even with bad credit.

Are you tired of hearing no when you go to get a loan? Do you know how to get unsecured bad credit How Credit Reporting Agencies Work without hearing the word "no"? There Same Day Payday Loan - Fixing Money Problems lenders that are willing to work with anybody regardless of credit, but you have to know what to look for and how to work with them. These are usually payday loans, title loans, cash advances, and occasionally a bank loan. Here are your options.

Third, make sure you really need the loan because if you can go without, then you should. These types of loans are for emergencies and are expected to be paid back pretty quickly. You need to know what you are getting yourself into when getting unsecured bad credit loans and you need to know that if you can Home Mortgage Application Process the loan with a paid off vehicle, property, or something else, then you are better off.

Reuters - Finance chiefs of the world's major economies pledged on Friday to take Expert Warns-Consumers Beware of Misleading Reverse Mortgage action and work together to stem the escalating financial crisis after another day of gut-wrenching drops on world markets.

Same Day Payday Loan - Fixing Money Problems

Usage

Application

The best way to apply for payday loan is via internet. It is Working With Bad Credit Mortgage Lenders lot faster and hassle free compared to the traditional method. Also you How to Make the Best Secured Loan Application use search engines to find Selecting The Right Mortgage Company offering payday loans at competitive interest rate. With few clicks you can get the details of hundreds of lenders offering payday loans.

Amount and interest

Same Day Payday Loan - Fixing Do Credit Card Perks Matter? Do Credit Card Perks Matter? Problems

You can borrow an amount that ranges from 100 - 1500. Loan amount depends upon the credit status and repayment ability. Repayment duration of these loans can Guaranteed Business Loan Company 2 - 4 weeks. Make sure to pay the loan amount on due time Secured Loans - Who Are They Good For? lenders can take legal action against you. You can either pay by a post dated check or can allow the lender to automatically withdraw money from your ban account. Annual APR of payday loans is very high and that is quite obvious because they are short term and unsecured in nature.

These are advanced to people having regular source of income and full time employment. Also anyone who wants to apply must have a regular checking bank account and must be 18 years of age or above.

Information

They can be used for all such Best Way to Get a Mortgage After Foreclosure situations that require money urgently. Like you can use it for paying urgent medical bills, electricity bills, paying debts, car repair and so on. Same day payday loans get approved within 24 hrs and hence are ideal for urgent needs.

Reuters - The U.S. government pushed on Saturday to finalize a plan to buy direct stakes in American banks as the International Monetary Fund warned markets could drop another 20 percent in a worst-case scenario.

Bad Credit Car Loans An Unbelievable Opportunity

Some of ph4dge.com features of bad Personal Loan History Losing Your Credit Card loans are:

An example for What is the Best Loan For My Circumstances? would be if you want Low Rate Bad Credit Loans - Improves Your Credit loan of 150000 for a period of 30 years and you have a credit score of 760 that will save you around 2600 a year in comparison to a person who wants these similar loan terms and has a credit score of 620.

You can get your FICO score calculated by any of three different credit bureaus namely Trans union, Experian or Equifax. Your fico scores will affect how much and what loans terms the lenders will offer you. Therefore, the higher the credit score the better loan deals you will get for your bad credit car loans.

Bad Credit Car Loans An Unbelievable Opportunity

Every one Bad Credit Unsecured Tenant Loans - Good Days Are Back aloud to dream. Everyones dreams are different to other people. Dream for most people is a car. Now days everyone can get what they dream of even people with bad credit history. This has been made possible by bad credit car loans.
Bad credit car loans are designed for people who have had bad credit history. It includes people who have defaulted in their repayments when they have taken loans earlier from their creditors.
People who are labeled as people with having bad credit history include people like:

 People who have defaulted with their payments
 People who are in arrears
 CCJs (county court judgements)
 People who have filled for bankruptcy 
 Late payments or
 IVAs

Bad credit car loans come in both secured and unsecured forms. In secured bad credit car loans the borrower would be required to provide the lender with a security in order to take a loan. Whereas, in unsecured bad credit car loans the borrower is not under any obligation to provide any security to the lender. Hence justifiably unsecured bad credit car loans carry a little higher rate of interest to cover up for the risk factor of the lender.

All you need to do for applying for applying for bad credit car loans is to first estimate your requirement in terms of what you want i.e. either you want a new car or a used car and how do you plan to get it i.e. Either through secured bad credit car loans or an unsecured bad credit car loans.

A score, which is considered poor, is one, which is below 600. This is a general credit score. There are also other credit scores such as one offered by FICO (Fair Isaac Corporation) the range of which is from 300 to 850. The three FICO score is calculated keeping the following things in perspective.

Bad credit is earned on the basis of how the borrower has repaid his previous creditors and that is how we arrive at a credit score, which is a rating to judge your financial credit worthiness.

Lending organizations now days understand how important a car is for an individual or any one. This problem gets even more difficult for people with bad credit history that is why we now have bad credit car loans serving people who have bad credit history. These loans are now available with many benefits to the borrowers as with so many lenders and tough competition between them. The customer enjoys Mobile Home Loan Default - Repossession Or Foreclosure? the benefits.

 Both secured and unsecured car loans are available
 You can have loans for both used and new cars
 You can get the loans tailor made to your budget
 While online you can use various features provided by the lenders such as loan calculator, different quotes and if you are unsure you can get expert advice by the counselors.

Bad credit car loans can be acquired by any borrower all he requires to do is get all his details sorted out i.e. both financial and personal and then submit your details to the lender. You can do that online, as this would Stafford Loans For Your College Funding to a loan decision faster than otherwise.

Reuters - The United States is developing plans to buy equity stakes in financial institutions, providing another weapon in its war against financial market turmoil, U.S. Treasury Secretary Henry Paulson said on Friday.

Rejected For A Home Loan - Moving On

Part of the loan application process includes getting an appraisal done on the property. Basically, this means Same Day Payday Loan - Fixing Money Problems the lender won't accept the price Home Mortgage Application Process paid for the property How Credit Reporting Agencies Work accurate, and will only lend you money based on a lower price. This means that you'll only get a smaller loan, which may well mean you can't afford Expert Warns-Consumers Beware of Misleading Reverse Mortgage buy the property without putting in a much bigger deposit.

Insufficient Deposit

Poor Credit History

A lender's main aim is to manage risk. They don't want to have the hassle of foreclosing on your home, and so they will closely scrutinise your existing debt and how well or badly you manage it. If they see a history of steadily increasing Home Loans For People With Bad Credit Score card balances, or loans that never seem to get paid off, they're unlikely to accept your application. Be aware, too, that although the balance of your $5000 credit card may currently be $0, the lender will still assess you How to Get Business Financing in a Tough Credit Market though you've spent the full $5000. So closing down credit cards you don't use can be very helpful. Also, pay off as many other debts as possible before reapplying for a loan. And when you those lovely, friendly Mortgage Payment Protection Insurance in the mail that tell you you're preapproved for a limit increase on your credit card - tear them up!

There are a couple of possible solutions to this. One is, as I've already said, to put in a bigger deposit. Another is to go back to the seller and renegotiate the purchase price of the house, based on the appraisal you've received. It would be worthwhile confirming with the lender what price they would accept, in order for you to get the loan amount you need to complete the purchase.

Low Appraisal Value

Having your home loan application rejected isn't the end of the world. Maybe this time you fell short on the lender's requirements, but if you take the time to learn what prompted the rejection, you have a way to move forward and make sure your application is accepted next time around. Remember, too, that being rejected may even be a blessing - after all, if the lender thought you couldn't afford it, maybe they were right, and by rejecting you they've saved you a lot of financial hardship.

Again, a lender wants to limit the risk involved in giving you a loan, and a poor credit history is a major flashing red warning signal to them. If you have lots of late charges listed, you have a number of unpaid loans, a history of insolvency or unpaid bills - you're going to have trouble securing a home loan. Even making multiple applications for a home loan can worry a lender. This is an issue that won't be fixed overnight, but over time you need to pay off outstanding debts, make sure you pay all your bills on time and over time your credit history will improve. If you're only requesting a very low loan-to-value ratio, say Benefits of Student Loan Consolidation of the appraised value of the home, you may still be able to borrow, but you may have to accept a higher interest rate.

So find out why you were rejected, and move on with a plan to improve your application next time. Good luck!

Applying for a home loan is a time consuming process. So after going through all the stages of getting your financials organised, credit checks, and generally laying your financial soul bare to the lender, it can be heartbreaking when the answer is no. If this happens, it's important to make sure you understand why the lender said no, and if possible ask for suggestions on how you can remedy whatever the lender identified as the problem. There are lots of reasons why lenders say no, and depending on which reason applies to you, it may be possible to improve your chances of success next time around.

Insufficient Income

All lenders have a "rule of thumb" that they use when it comes to assessing how much of your income can be used for mortgage payments. Most have a maximum of around 28% of gross monthly income (before tax). They will also look at any other debts you have to make regular payments on, including car loans, personal loans and credit card debt. Again, if the repayments exceed a certain percentage of your monthly gross income (usually around 36%) your loan application will be rejected. Other factors may come into it, such as a good credit record. Also, if you can comfortably show that you're already paying out a large amount in other expenses, such as rent, or perhaps an existing mortgage (if you're refinancing), then a lender may be willing to make an exception. The most important thing is to make sure that you don't try and hide anything during the application process.

Too Much Debt

Most lenders will want evidence that you have enough funds available to complete the sale. So they may check bank statements and other records to confirm the funds are there. Guess what - if the lender doesn't have the evidence, your loan application will be rejected. Make sure you have the proof you need. If someone is giving you the money as a gift, have it in a bank account in your name, ready to show the lender. Alternatively, if the seller is going to take back a second mortgage on the property, make sure you have documents to support that. Finally, you may just have to put off your purchase until you've saved up more money.

Rejected For A Home Loan - Moving On

AFP - The London stock market plunged by almost 10.0 percent again on Friday, after fresh falls on Wall Street, as investors continued to fret over the worldwide financial crisis.

Student Loans - Opportunity to Make a New Beginning

Student Loans - Opportunity Qualifying For a Low Down Payment Loan Make a New Beginning

As per Same Day Cash Advance Loans need and requirement, you can avail these loans in secured and unsecured form. if the amount required is quite large and How to Get Business Financing in a Tough Credit Market that you are willing to pledge any collateral, then you can opt for secured form of the loans. Due to the presence of collateral, the interest rates for the loans too are comparatively. Unsecured forms of the students are free from any collateral pledging. The amount advanced Expert Warns-Consumers Beware of Misleading Reverse Mortgage these loans is limited.

Student loans as of now are available in the traditional market as well as on the internet. Applying online is much preferred due to its fast processing and lucrative terms and conditions. Moreover, by taking a proper research you get a chance to select a better loan deal.

The repayment term for the loans too is convenient and easy. You can start paying back the loans once your studies have been completed and you have got a better loan deal. As a matter of fact, the rate of interest levied too is comparatively low. However, before availing the Extinguish Bad Credit Creditably it would be prudent to evaluate the finance required. This will help you to derive the right loan package.

The kinds of facilities be it financial or any other which are now available to a student were not available till some time back. Most of the students had to opt out of further studies as their families could not afford the high fees. But thanks to student loans, the same students who might have dropped out citing financial reasons can at least resurrect their dream career. These loans further take care of the entire expenses, thus by paving the way for you concentrate on your studies without necessarily worrying about the finances.

Investor's Business Same Day Payday Loan - Fixing Money Problems - Home loan demand rose 2.2% in the week ended Oct. 3, according to the Mortgage Bankers Association's index. Mortgage applications for buying a home rose 3.2% -- from the prior week's 6-year low -- with the Federal Unsecured Consolidation Loans Administration continuing to gain market share. Refinancing activity edged How Credit Reporting Agencies Work 0.9%. The average rate on a 30-year fixed-rate loan fell to 5.99% from 6.07%. The rate on a 15-year fixed mortgage decreased to 5.71%, the lowest in three weeks. A one-year ARM dipped to 6.6%.

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Explicitly address the culture

People should gradually learn new skills, at least in small steps. This will enable them to learn more about using computers, including hardware, applications, and more advanced systems such as EPM practice-management software, finally leading up to EMR. Unless you're able to get the more resistant doctors involved, they could pose problems or delays.

Below find some important factors in change management which are adaptable for EMR system implementation:

Executive search firm Korn/Ferry International states that one of the biggest mistakes made is when execs join a company to implement changes, they fail to recognize the existing culture in the corporation or office. For example, a controlling manager enters a company which utilizes a more collaborative system, which leads to struggles and resistance.

Planning is Key

Ownership

Group leaders have ownership over different elements of the projects. These members have better cred with their subordinates, in comparison to the doctors. These core individuals should be first trained, then taught to train others in the practice.

Formally present your case

A need for change will be questioned by the status quo. You'll need a written statement of the vision, explained so that the how, who, what and why of the change to EMR is fully explained. Include proof that the move to a paperless system is a clearly better alternative. Otherwise, people won't use it.

Managing and having a positive influence on the staff is one of the most important elements in the implementation of an EMR (Electronic Medical Records) system.

Assess

Identify the top values, perceptions, beliefs and potential sources of resistance when assessing the cultural landscape. At times people are set in their ways; for example, the physician who is unable to check email, or the assistant who doesn't like to use a computer mouse.

Communication

Keep the dialogue channels open, encouraging feedback at every step. Keep a plan with sequence of actions. Make sure the staff has the necessary information and is involved in the implementation process.

In cases of EMR systems failing, often this has much to do with improper planning, inadequacies in implementation, or software deficiencies. The changes which will be occurring on the humanistic side will show this to be especially true. Planning the integration into a particular practice before doing the actual program install will be planning time well spent. This will have an ultimate effect on the bottom line.

Be clear in speaking to every individual

What's expected from everyone must be clearly understood. Confidence is good, if not to the point of being unrealistic. When problems do arise it's helpful to be able to counter the fears of the staff members.

Acknowledge the human aspect

There will be change and this could cause anxiety. Without 'buy-in' from employees, a new system will probably become a failure.

It is preferable to find ways to adapt into the pre-existing culture of the office, to assist with the staff's acceptance of the shift from paper-based record-keeping to EMR.

Proper planning and the ability to make minor adjustments is a great way to evade the necessity of completely pulling the plug on an EMR project. A great tool to make use of during a transitional phase of significance is the "change management" concept, undergoing change in a pre-planned and systematical way.

Begin at the top

It's particularly important for top staff members, including doctors and administrators, to get on board. Among the physicians, a 'champion' is required; that is, a doctor who is committed to realize this project through to completion, hopefully someone savvy with technology but not over-optimistic.

Every layer needs to become involved

Set up an employee committee which will develop proposals to be delivered to the physicians. These committee members should be the people who will be utilizing the EMR system, such as admin, business office, and assistants.

Prepare Your Staff Members For a New Electronic Medical Records System

Expect the unexpected

Problems will surely crop up. Events may cause a delay in the 'live' date of conversion onto the updated system. These delays will cause ripple effects which can be better managed with the right flexibility in planning by the committee.

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Older Problem Gamblers Face Increased Suicide Risk

Title: Older Problem Gamblers Face Increased Suicide Risk
Category: Health News
Created: 9/29/2008 2:00:00 AM
Last Editorial Review: 9/29/2008

Complex Medication Doses Prompt Increase in Safety Measures

Having one standardized set of guidelines also increases hospital efficiency. Caregivers no longer need multiple reference sources in order to calculate the correct dosage for a given situation.

The Advancing Dosing program contains a set of highly-customized dosing guidelines based on a number of criteria including the patient's age, weight, body surface area, renal function, and diagnosis. These guidelines are implemented at the time of ordering to ensure delivery of the correct medication dosage.

Advances in medicine have made it possible to more closely tailor prescription drugs to patients' individual needs. This is particularly true for those whose medical conditions are more complex. Neonatal prescriptions are based on a number of factors including age and weight. Others in need of more customized medications include the elderly and those whose illnesses are in advanced stages.

The guidelines reduce inaccuracies by coordinating dosing practices throughout the hospital. This helps to standardize the care patients receive and reduce any instances of human error.

Duke and other hospitals are already beginning to see a return on the time and money they have invested to implement these advanced dosing programs. Hospital patients are receiving less varied care and physicians are seeing improvements in treatment outcomes.

Healthcare providers hope the overall number of problems arising from medication inaccuracy will continue to decline as more and more hospitals implement strict dosing guideline programs.

Many medical institutions are taking extra precautions when ordering medication as a result. Duke University Hospital has adopted the Advance Dosing program of Horizon Expert Orders, from leading healthcare technologies provider McKesson.

Yet with these advances comes an increased risk: the more complex the dosing, the more possible chances for errors to be made from a drug's conception to its delivery to a patient. Studies show that the majority of dosing errors occur during the ordering stage of the process.

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Hypnosis Cuts Hot Flashes for Breast Cancer Survivors

Title: Hypnosis Cuts Hot Flashes for Breast Cancer Survivors
Category: Health News
Created: 9/26/2008 2:00:00 AM
Last Editorial Review: 9/26/2008

Various medical tourism agencies like RecoverDiscover are taking care of the needs of these international patients willing to come to India. Most of these medical treatments would require the patient to stay in India. These medical tourism agencies make arrangements for these patients for nice stays in reasonable hotels and arrange for sightseeing. It gives the opportunity to the patients to have a nice vacation after their treatment.

More and more people from the industrialized and developed countries of the world are seeking out for places where they can enjoy a vacation as well as have their medical treatment done at an affordable price.
Medical Tourists all round the globe are increasing day by day and India is their hotspot.
Most patients come from USA and UK for treatment because India offers most efficient treatment options at cheapest possible price along with the opportunities to spend a luxurious holiday. The doctors in India are as good as doctors from any other advanced countries and the language also does not pose a problem for them as most of them speak good English.

Sam D'Costa is well known professional in Online Marketing and web promotions.

India-Where Smart Treatment And Exotic Tourism Come Together

The major reason for the growth of medical tourism in India is the low cost of treatments.
Because of these low costs, medical tours to India provides an easy alternative for people to avail quality treatment in a timely manner, avoiding the long waiting list, that is a common problem in western countries. Medical Tourism in India allows people to undergo cost-effective medical procedures that they otherwise could not afford.

Why India?

Medical procedures that are very popular subjects for medical tourists in India are Ayurveda, Orthopaedics, Cardiothoracic, Cosmetic Surgery, Ophthalmology, Neurosurgery and the exotic spas for relaxation. The health care system in India has also developed a lot. In the 80's the Government run hospitals were the main health care providers in India. However, over the last decade Indian medical system has undergone sea of change with increasing participation from the corporate and the private sectors. Today, the private owned hospitals, nursing homes and clinics are the main stay of Indian health care system.

Medical Practitioners in India are well trained and many of them have enhanced their skills with training from medical schools in USA and Europe. Organizations that specialize in medical tourism only take the best of the best doctors. Indian clinics, hospitals and nursing homes have state-of-the-art infrastructure and technological sophistication to treat their patients. Indian pharmaceutical companies also meet the rigid requirements of various USs and Europe's Drug Administration Associations.

Quality of Care and Indian Doctors

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Drug Fights Diabetic Eye Disease

Title: Drug Fights Diabetic Eye Disease
Category: Health News
Created: 9/26/2008 2:00:00 AM
Last Editorial Review: 9/26/2008

Pharmacists Know More Than Doctors

Whether or not your doctor wants to admit it, the pharmacist knows more about interactions of medications than the doctor. A huge component of pharmacy training includes chemistry and learning the interactions between classes of medication. Doctors are more likely to know about the drugs they most use in their specialty, but don't have the in depth knowledge across specialties.

One of the outcomes of most life-altering diagnoses is a treatment regimen that includes some type of medication. The doctor hands you a prescription and off to the pharmacy you go. Most people believe that all pharmacists do is count pills and slap a label on the bottle. They aren't aware of the training involved in becoming a pharmacist and that training could save your life.

It's important that you bring all your prescriptions to the same pharmacy. If you use several pharmacies the possibility of detecting a problem is greatly reduced because you're history isn't in their computer system. Your pharmacist may recommend alternatives to more expensive medications with approval from your doctor. They are more aware of generic drugs and in this day and age any money saved as long as it doesn't impact the outcome may be worth investigating. Pharmacists are also trained differently than doctors because they are trained in a more customer service environment, the pharmacy. They are a valuable resource and making your pharmacist part of your trust healthcare inner circle will serve you well.

Pharmacist as Educator

In today's healthcare environment your doctor has a short amount of time to spend with you. You may be so focused on questions about your health that you put aside any questions about the medication they prescribed. Your pharmacist has more time to explain the medication, the dosage, the possible side effects and interactions with over-the-counter medications. You may not think that cold medicine or aspirin could interfere with your prescriptions, but they can inhibit medication effectiveness or even have toxic effects on the body.

Pharmacist as Air Traffic Controller

When facing a life-altering health challenge you often see more than one doctor, especially if surgery is part of the treatment protocol. You may have prescriptions from each doctor. As a patient, you may be overwhelmed with the amount of medication your taking and it may not cross your mind to tell one doctor about the other medications you've been prescribed. Your pharmacist and thanks to modern technology will know about all your prescribed medications. The pharmacist will become alarmed if some of your medications are known to interact in a bad way. Computer programs in pharmacies also are able to cross reference interactions and display an alert if two of your medications may interact poorly. The pharmacist can literally save your life.

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Statins Can Hinder Muscle Repair

Title: Statins Can Hinder Muscle Repair
Category: Health News
Created: 9/26/2008 2:00:00 AM
Last Editorial Review: 9/26/2008

Other sinus pain treatment includes steroid nasal sprays, decongestants, sometimes oral steroids, leukotriene receptor antagonist and long duration broad spectrum antibiotics.

Nasal septal deviations often cause airway obstruction and can cause pain.

Pain with sinus is synonymous. The unwanted pain and distress pain include eye pain, headaches, neck pain. Sometimes even back pain due to fatigue. Sinusitis headaches cause a dull, deep, or severe pain in the front of your head and face. They are caused by an inflammation in the passages behind the cheeks, nose, and eyes. Bending down or leaning over usually makes the pain worse, as do cold and damp weather. These are headaches that have a "butterfly" distribution where the headache is centered across the forehead between the eyes and on the mid face. A sinus headache is often bad in the morning and improves by afternoon. Many times they are confused with migraines or tension headaches. The nerve that supplies the sinusitis and nasal lining becomes irritated or inflamed, thus causing the pain. If an isolated ethmoid sinus or frontal sinus or spenoid sinus becomes obstructed or infected, it can cause pain without causing nasal congestion or drainage.

At times when there is pain in the ear or temple region then it is said to be Temporo-mandibular joint dysfunction syndrome. Treatment in such cases can be from a dentist who with simple measures or with splints and bring relief to the pain. Pseudoephedrine and Advil/Tylenol help with the symptoms of pain and congestion. The occasional use of Afrin type sprays can relieve flare ups of congestion and pain. Saline nasal sprays, or saline rinses can really ease the pain to a great extent.

Much relief from sinus pain can be achieved by using acupressure. It gives quick relief from the pain. For a person suffering from sinus pain the first treatment is usually with steroid nasal sprays and the occasional use of decongestant sprays and oral decongestants. If a person is suffering from chronic pain then surgery is suggested.

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Boomers Should Add Muscle Before It's Too Late

Title: Boomers Should Add Muscle Before It's Too Late
Category: Health News
Created: 9/25/2008 2:00:00 AM
Last Editorial Review: 9/25/2008

The Verdict. Prescription drugs may instantly and specifically heal our symptoms at the moment, but scientists are always going back to the model of healing that nature always possessed. The best medicine is still the prototype posed by nature - for nature always knows best.

A Debate On Herbal Remedies And Prescription Drugs

Prescription Drugs over Herbal Remedies. People turned to chemically-synthesized drugs when traditional methods of healing were disposed, particularly when the practice of quack medicine was pronounced as ineffective and its herbal preparations were considered unsafe for use on humans. Incidentally, some herbal remedies died as age old methods of healing took a back seat in the mainstream.

As lifestyles changed over time, the medicine distributed to consumers were also adjusted to conform to market preferences in terms of disease control while new drugs were developed by pharmaceuticals in response to the health care requirements of the century. This development in the health care industry took its toll on the reputation of herbal remedies that are now regarded with speculation, particularly on their effectiveness in the treatment of diseases.

Traditional medicine has provided the essential remedies to humans for ages. Towards the turn of the century, modern medicine-in the form of synthesized drugs, has displaced medicine cabinets with pharmaceuticals. With regards to mainstream trust on prescription drugs nowadays, consumers are reverting to the holistic therapy provided by herbal products; since herbs are known to have little or no side effects as opposed to prescription medicine. To go the alternative route or stick to conventional treatments is a good question. But then, what really is the right type of medicine for us?

Herbal remedies have been around for many centuries even before the advent of conventional methods. To this day, scientists and herbalists alike are still overwhelmed by the discovery of endless healing potential available with herbs.

The FDA-mandated double blind, placebo-controlled clinical trials conducted to substantiate the effectiveness of narcotics in the treatment of various medical conditions have become the global standard of efficacy among healthcare professionals in the last 50 years or so. Moreover, the ability of narcotics to instantly remediate a malady only promoted the demand for these treatments among consumers. Once prescribed drugs were perceived to be ubiquitously safe for use, dependence occurred for its over-the-counter versions.

Herbal Remedies over Prescription Drugs. Herbal medicine is nature's way of letting the chi in our body flow in harmonious circles once again. In fact, nature has always complemented the biological needs of our system; as nature needs and nurtures nature.

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Casual Smokers at Greater Risk for Alcohol-Use Disorders

Title: Casual Smokers at Greater Risk for Alcohol-Use Disorders
Category: Health News
Created: 9/25/2008 2:00:00 AM
Last Editorial Review: 9/25/2008

Hippocrates Spinning in His Grave

Let's say you went to a mechanic and said your engine is making this loud ominous knocking noise. It's so loud that you're sure the engine is sustaining additional damage with every day that you drive the car. The mechanic looks at the engine and after a brief time gives you the disposition. He hands you a pair of ear plugs and advises that you should wear them each time you drive the car. His position is that you won't be bothered by the noise any longer because you won't hear it! Did he fix the problem? Will the engine surely fail - eventually? Would you seriously take his advice and drive off, ear plugs in place and a smile on your face? Then why do you take similar advice from your physician when he or she hands you a pill?

The rationalists took a different approach. The treated only the symptoms. They looked at the symptoms as the disease itself. They used drugs to eliminate the symptoms and thus the patient was "cured". They also looked at groups. They found the common denominator in groups suffering from a particular disease. If all of "these" people who suffered from a particular disease also had this particular symptom, then that symptom was addressed and a drug that would eliminate that symptom would be the goal.

If you can cure your type 2 diabetes in six months without drugs and their side effects and the drug du jour cause harm, shouldn't your physician be prescribing diet and exercise? If they want to live up to the Hippocratic Oath they should. And shouldn't insurance companies be paying for that therapy?

Now don't be mistaken to think the empiricists were nothing more than voodoo doctors. They understood the science and substructures of the body to every degree as well as the rationalists. Perhaps even more so, since allopathic medicine was borne from within homeopathic medicine. What would catapult the rationalists would be a combination of an event and greed in concert with better organizational skills - but not a better mouse trap. Quite the contrary. I'm also not suggesting that the empiricists had it all worked out and just got railroaded either. Each group had its faults. What I am suggesting is that had greed not taken a front seat and these two groups worked together, we would have a better medical system and a healthier population as a result. More emphasis would have been placed on nutrition and physical exercise and less on pills and potions.

They observed the patient, learned about the patient. Their habits, diet, activities, stresses, sleep, family, etc., all was taken into account. They looked at each person as just that, a person. Not one of a larger group. They then applied remedies that would balance the person. Those could be herbs, changes in diet, sleep, stress, etc. If the treatment was working the symptoms would begin to subside, giving sign that the treatment was on the right track. In short they looked for the root cause and eliminated it giving the body the opportunity to heal itself.

Empiricists looked at symptoms as a sign that the body was overwhelmed by toxins or out of kilter with its natural healthy predisposition. They didn't "treat" the symptoms. They used the symptoms as a guide as to whether or not the treatment was working. They believed that the symptoms were the body's natural response, and a necessary response. To treat the symptoms alone eliminates the body's cry for help.

We see the rationalists approach today in modern medicine. Drugs are prescribed that solely address symptoms. Those exclusively lower blood pressure and cholesterol or increase bone mineral uptake to reduce osteoporosis without identifying and treating the root of the problem in the first place. The problem with these and many drugs like them is they carry side effects. And with some, the side effects are just marginally less then the negative effects of the diseases they treat. Practitioners and pharmaceutical companies will argue that the side effects are overstated or less life threatening than the actual disease itself - and in some instances this is true. But in most cases its not.

Now its not all allopathic medicine's fault. You can't blame them for capitalizing on our unwillingness to wait for change. We as individuals know that our illnesses and their respective symptoms took years to develop. We all know that poor lifestyle habits cause the majority of diseases. Yet we want to walk into our physician and demand to be fixed now! "Give me a pill and let me get back to living this poor life style" is what we demand through our impatience. Take type 2 diabetes for instance. It's at epidemic proportions and so many companies are capitalizing on American people. Is it in their interest that you be cured? Type 2 diabetes can be completely reversed in 90% of those who suffer from it with simple modifications to diet and exercise and the other 10%, with the addition of some interventive hormone replacement therapies. But the nation will opt for a pill and a glucometer that will allow them to live broken, eat horrible diets and avoid exercise. These companies are banking on it. They want to supply us with our pills, glucometer, glucose strips and any other thing that the Diabetic will need for the reaming 50 or 60 years of their lives.

Ask yourself, what's wrong with a medical community that doesn't want to suggest a cure but rather make you nothing less than a junkie? Addicted and dependant on a drug. And here's the best part to come full circle to my initial statement that doctors shouldn't be allowed to take the Hippocratic Oath. Those medicines they prescribe. You pick the medication, diabetes, osteoporosis, cholesterol or blood pressure - some of the more popular ones - all have side effects that can be categorized as "doing harm".

So isn't' this in essence "doing harm"? If the "treatment" progresses the disease faster is it a cure? The brief suppression of the symptoms is a way to appease the patient. To enlist their trust in the magic of allopathic medicine.

A better alternative would be to look for a true cure. To look for the true source of the disease. The death of dopamine neurons in the brain is no less a symptom of the disease than is tremor. Learning why they die and looking at individuals as just that - individuals - to see what habits and traits they possess that predisposes them to these symptoms would be the answer. The problem is that this doesn't fit our current medical movement. Finding a common symptom in large groups and treating that symptom is the home run the big pharmaceutical companies are looking for every day. How do you patent and sell life style changes, modifications in sleep or nutrition? Pharmaceutical drugs, for the most part, cure nothing. They allow us to live broken. Now you may say "what's wrong with that if the symptoms are gone and I can move on?". You wouldn't treat you car that way, is what I would reply.

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Live Stronger. Live Longer.

And like food, thought is powerful medicine as well.

Homeopaths were considered empiricists and allopaths, rationalists. The difference is profound, and plays a role in how we ended up here in the debacle of national widespread illness and poor health.

I don't pretend to answer all of the questions here - only to raise them. My hope is that this will give you some food for thought.

Here's an example to substantiate my position. Lets look at a disease like Parkinson's Disease. We know people suffering with the disease have cretin similarities, blank facial expressions, depressive disorder, motor coordination issues and neuro-muscular degeneration. As the disease progresses untreated, deterioration in neuro-muscular factors causes freezing and severe tremor. The rationalists look at the symptoms and look for a common denominator in a group of individuals suffering with the disease. One of the commonalities is a degeneration of the dopamine transporter neurons in the Substantia Nigra - an area of the brain responsible for the initial motor commands that allow us to move our bodies.

Doctors today should not be allowed to take the Hippocratic Oath. Hippocrates dictated - "First do no harm" and "Let food be thy medicine and medicine be thy food". Hardly the path of allopathic medicine today.

The rationalists decide that treating the patient with an external source of dopamine, in pill form to replace the dopamine the brain is no longer making, is the answer. Initially the symptoms do subside. The patient can move with greater fluidity. Some of the depression lifts and all looks hopeful. As time passes the dose of dopamine must be increased as more of the neurons in the Substantia Nigra die off. But this produces a vicious cycle as the higher doses of dopamine seems to cause the disease to progress faster till the highest doses have no affect what so ever. In fact, most practitioners now agree that it's the prescribed dopamine that advances the disease faster.

And more importantly, these drugs that carry negative side effects are doing harm. Regardless of the degree of harm, they are counter to the first edict of the Hippocratic Oath - "First do no harm".

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Nasal Insulin Won't Shield At-Risk Kids From Diabetes

Title: Nasal Insulin Won't Shield At-Risk Kids From Diabetes
Category: Health News
Created: 9/24/2008 2:00:00 AM
Last Editorial Review: 9/24/2008

Arrogant Surgeons

It's been said that surgeons have a great ego and that they look all arrogant and feel superior.

I have been a surgeon for over 22 years, and frankly, I have saved many many lives, and I feel proud for what I have accomplished so far. Of course, this could have not been done without the help of hundreds of nurses and other doctors who assisted me and provided care to my patients as well. Maybe, and just maybe, this feeling of pride and self confidence is what makes us look...arrogant.

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Health Highlights: Sept. 23, 2008

Title: Health Highlights: Sept. 23, 2008
Category: Health News
Created: 9/24/2008 2:00:00 AM
Last Editorial Review: 9/24/2008

Symptoms such as dark, tarry stools, or vomiting blood or material that looks like coffee grounds could mean a bleeding ulcer. Unusual bleeding or bruising could mean the drugs are interfering with clotting. If you have one of these problems, call your doctor right away.

These are some of the most common drugs used to combat the pain of arthritis, but there are many others used for all forms of arthritis and its related conditions. Any drug, for any condition, carries the risk of side effects. Before beginning any medication, read the drug's package insert. Ask your doctor if there are side effects you should watch for and what to do if you experience them. And, pay attention to what your body is telling you. If you're taking a medication, even one you've taken for a while, and you notice a problem, call your doctor.

Corticosteroids

Though corticosteroids are potent anti-imflammatories, they also have the potential to do great harm. They have been shown to cause brittle bones, cataracts and elevated blood sugar, particularly if they are taken in high doses or for long periods of time. If you start to notice symptoms of diabetes (e.g. increased thirst, frequent urination and/or blurred vision), or neurological problems (e.g. hallucinations or rapid and wide mood swings), call your doctor as soon as possible.

Sometimes, the bad exceeds the good and side effects can signal something life-threatening. Here are some side effects of the most commonly used arthritis medications that require immediate attention:

Bruce C. Bailey, Ph.D.

Some side effects will disappear on their own as your body adjusts to the drug. For others, you can alleviate side effects by taking medications with food, supplementing nutrients the drug can affect, or using other medications to ease the first drug's effects (e.g. acetaminophen to ease injection pain, an artificial saliva product to ease dry mouth, or an antacid to ease stomach upset). For still others, you may have to learn to live with the side effects, especially if the benefits of taking the drug outweigh the consequences.

Whoever coined that phrase originally could have been referring to arthritis medications. While medications can make physical movement easier and less painful, they can also do some things you'd rather they didn't. Upset stomach, dry mouth, drowsiness, and increased risk of infection are some of the more benign of these side effects, but there are others that are decidedly worse.

DMARDs (Disease Modifying Anti-Rheumatic Drugs)

DMARDs control arthritis by suppressing the immune system. Because this can also make it more difficult to fight infection, it's important that you call your doctor right away if you have symptoms of infection, including a fever, cough, hoarseness or sore throat. You should also consult with your doctor before getting any vaccinations while you are taking these drugs.

As another familiar saying cautions us, "Its better to be safe than sorry."

Arthritis Medication and Side Effects

NSAIDs (Non-Steroidal Anti-Inflammatory Drugs)

Rapid or irregular pulse, hives on the face or mouth, wheezing, or tightness in the chest may indicate an allergic reaction to the drug. Stop taking the NSAID and get medical attention immediately.

"You have to take the good with the bad."

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For Some Doctors, Empathy Is in Short Supply

Title: For Some Doctors, Empathy Is in Short Supply
Category: Health News
Created: 9/23/2008 2:00:00 AM
Last Editorial Review: 9/23/2008

If these attempts fail to stop snoring habit, one must consult a doctor to get an effective snoring remedy.

* Over weight or obesity- It has been observed that obese people snore much. Sometimes the wearing sound of nasal snoring generates by the flapping of soft palate. When tongue meets with the upper throat and touches the roof of the mouth which is called soft palate; the corpulent tissues narrow the air passage which in turn causes the vibration or nasal snoring.

Nasal snoring is one of the most frustrating and irksome problems that refrain most of us directly or indirectly from having a peaceful sleep. Often professional snoring remedies like medication, surgery and other anti nasal snoring measures doesn't work much; where as a few easy snoring remedies can help to stop snoring more effectively. Before thinking on how to stop snoring one must find out the actual reason behind this bothersome nasal sound. Some plausible and most common reasons are listed below:

Snoring - An Anatomical Disorder

A proper healthy food habit can also keep the annoying nasal snoring away from once bedroom.

Marinating an alert sleeping posture can keep the passage way clear and in turn can help to stop snoring.One should always try to sleep on side rather than on the back. This can be done by using tennis ball into the sock to keep from rolling over.

* Cold, Sinusitis and other infections can block the respiratory tract and the resultant stuffy nose can generate nasal sound.

A regular practice of Yoga, aerobics, walking or other sort of physical exercise can be a great help to stop snoring by maintaining proper respiratory muscle tone and losing excess plump as well.

Now evaluating the cause of snoring one can easily find the way to stop snoring out by self contemplation. Such as,

* Blockage of air passage- Factors affecting air passage are mostly the anatomical disorder, post operative injury, loosening of adjacent respiratory muscles and tissues due to aging, other hormonal factors or chronic dust and smoke allergy etc. which cause obstacles at the upper respiratory tract generating nasal snoring.

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Cell Phone Use Linked to Male Infertility

Title: Cell Phone Use Linked to Male Infertility
Category: Health News
Created: 9/22/2008
Last Editorial Review: 9/22/2008

Restless Med Syndrome

So now, if I take the medication advertised, I will likely experience the side effects, and would probably have rather just suffered from the initial condition to begin with. If I take the medication and suffer the side effects, do I then have to take a variety of other medications to treat the side effects? I know one thing for sure. The big pharmaceutical companies are hoping for the latter. I simply want that second date, thank you IBS. My final question is, why am I the one being advertised to in regards to medication in the first place? I am simply a guy trying to watch my favorite reality show when a commercial kicks in asking me how many times I run to the bathroom and how many hours of sleep I get (questions which incidentally cause me anxiety, another condition I am being treated for with a series of medications). I mean, am I the most qualified to decide if my legs are restless, my bowel irritable, or my erection dysfunctional (okay, maybe that last one I am the most qualified). But isn't this why I go to my doctor?

Finally, which conditions are literally created by clever marketing executives at the pharmaceutical companies, and do not actually exist, but are designed not only to make us believe that a) they are indeed real and possibly life threatening, b) it is likely that you are suffering from it right now, as you read this article, and c) we should be funneling down a variety of expensive pills to treat said symptom(s)? These questions are great cause for concern, both for our pocketbooks as well as our livers. However, I will agree with the pharmaceutical companies on one thing: when I am on a date at a nice Italian Restaurant, and I suddenly am overcome with a terrible case of irritable bowel syndrome, this is usually followed by an equally terrible case of erectile dysfunction as well. But the reality is, this is usually because my date asks to be dropped off early, and a potential romantic rendezvous is awkwardly cut short. Yet, once I am home and have relieved myself, all systems are a go, and I feel healthy, youthful, and completely alone with nothing but fourteen bottles of pills and a Mucinex commercial telling me not to blow my nose, but to take a pill that will eradicate the mucus all together. If only there was a pill for a second date. If you have chosen to believe, consciously or subconsciously, in any or all of the conditions we hear about in commercials or read about in magazine advertisements, and therefore you medicate yourself accordingly, I truly hope that you catch the thirty seconds or so of potential side effects at the end of these commercials. "This medication may cause dry mouth, soreness, diarrhea, irritability, insomnia, and possibly death". Are you kidding me?

The one thing these commercials are successful in having me believe is that I am in fact, dying. There are many different ways to look at life. Rabbis and Priests and Imams and Tom Cruise all have advice on how to look at life. Me, I am a pessimist, and/or Jewish. My belief is that, ever since the day we are all born, we are on the path to dying, or have begun to die. For some, death may be a slow process, and this person shall live a nice, long, healthy one-hundred years or so. Others are not so fortunate. However, the one thing I have vowed not to do is live my life as though I am dying, even though science and my diminishing brain cells tell me otherwise. In simple terms, I want to live as though I am living.

Let me first say that I believe the advancements in medical science have produced life-saving and/or life-altering medications that have enhanced the lives of most, if not all of us, and we should continue to fund scientific research and studies in the field of medical science. If prescribed by your doctor and taken appropriately, many of us have found various medications to help us get through the day, overcome ailments, and possibly eradicate a disease one may be suffering from. However, when economics become interwoven with health and wellness, my legs become, well, extremely restless. Let's stop and think about Restless Leg Syndrome. Does such a syndrome even exist? Does it exist if a little yellow cartoon character on TV tells me so? Is it a serious condition if I put Restless Leg Syndrome in all caps? And, if it is a real syndrome, can it not simply be cured by say, I don't know, getting off the damn couch and taking a, ready for this... walk? It is a fact that the pharmaceutical industry is a multi-billion dollar economic system in the United States, and the lobbyists that come with it are some of the most powerful in our country, second to maybe the one thing we are terribly addicted to: oil.

Now, I am no expert in economics, but I am certain the pharmaceutical companies would like us to also be addicted to their pharmaceuticals. If we could Lexipro or Viagra in our cars instead of oil, than all the better. And this is where a major problem in our society lies. Where is the line between the medications we need, and the medications we are being sold on and really can live without, that only serve to enable Pfizer and Merck to line their pockets? We need to figure this out, lest I get stressed and need another prescription for Xanax. Just turn on the TV, or check your spam folder in your email inbox, or flip through any magazine on the newsstand, and you will be told through various advertisements that you not only are "suffering" from restless leg syndrome, but a variety of allergies, toe-nail fungus, depression, repression, obsession, A.D.D., A.D. H.D., overactive bladder, irritable bowel syndrome, inflamed prostate, and erectile dysfunction, just to name a few. My questions, and maybe yours as well, are as follows: Which conditions are real and need to be treated with medication? Which conditions are real and do not require medication, but can be cured by leaving your house, exercising, walking in the park, or getting a girlfriend (erectile dysfunction, or are you just single)?

It makes little sense to me as to why the pharmaceutical companies skip the doctor and advertise directly to the consumer as though I have completed medical school, an externship, residency at Cedar Sinai Hospital, and have been practicing medicine for years. Hell, I'm not even a production assistant on Grey's Anatomy, though I do know where to score Marijuana, which, incidentally, has little side effects except for paranoia and hours of TV watching, and again, likely no date. In conclusion, thinking about all of this has reminded me yet again what I already know: we are all dying. However, why can't Pfizer and Watson and Merck just let me live? I urge everyone to think twice and consult your doctor before taking anything, because side effects lead to more medication, which leads to more side effects and therefore more medication, and so on and so forth, like the snake eating its tail. You know what, thinking about all of this has given me a headache. I will have to end this now, take a couple Tylenol, drop a Mucinex to stop the sniffles, and pop a Viagra just in case I am able to score that second date.

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Breast Cancer Survivors Report High Quality of Life After Treatment

Title: Breast Cancer Survivors Report High Quality of Life After Treatment
Category: Health News
Created: 9/22/2008 2:00:00 AM
Last Editorial Review: 9/22/2008

When two of the children who attend my Sunday School class told me they had received the first in a series of three Gardasil vaccinations, I was suspect. When I did the research, I was angry.

REMEMBER: NO ONE HAS THE RIGHT TO MAKE YOU SACRIFICE YOUR CHILD ON THE ALTAR OF BIG PHARMA.

FACT: According to an FDA report on Gardasil, the Human Papilloma virus usually is a transient infection and the body eradicates it on its own. When it continues untreated, it may cause cervical cancer.

FACT: "Research is now being done on using Gardasil in older women and in males."
[MALES? A drug supposedly to stop cervical cancer???]

FACT: According to Merck, if administered to those who already have the virus, it "may increase the risk, by 44.6%, of developing high-grade precancerous lesions in the cervice." p. 10, HiFi DNA report, March 7, 2007. [Do they test those who receive the vaccination? No.]

Victoria Day is an accomplished artist and writer residing in Southern Arizona. She is the wife of a Southern Baptist minister and publishes "Heart of Mohave Magazine."

The above information is based on NCI's SEER Cancer Statistics Review.

THE GARDASIL HPV VIRUS VACCINE

FACT: Gardasil does not prevent cervical cancer. It prevents only four of the 100 plus Human Papalloma viruses that may cause cervical cancer. This virus is transmitted primarily through sexual activity. [So why is it administered to nine year olds?]

There is so much more that we will be happy to e-mail anyone concerned, but for now, we leave you with the last FACT: "In 2006, the company's sales were $235,000,000." - John Carreyrou, Wall Street Journal. If made mandatory, estimates go as high as four billion.

FACT: " Statistics in the United States of women under 20 who develop cervical cancer is 0.0% and only 0.1% worldwide. According to The American Cancer Society, "Cervical cancer tends to occur in midlife. Most cases are found in women younger than 50. It rarely develops in women younger than 20. Many older women do not realize that the risk of developing cervical cancer is still present as they age. Almost 20% of women with cervical cancer are diagnosed when they are over 65." On average, about 3,870 women will die of cervical cancer in 2008 and again, most of those in midlife. [So why are we vaccinating children?]

Just Say "No"

FACT: Merck, the manufacturer of Gardasil has stated that the vaccine is effective for five years but is uncertain of prolonged protection. [Let's do the math. Nine years old protected for five years?]

An FDA news release from March 31, 2003 acknowledges that "most infections (by HPV) are short-lived and not associated with cervical cancer."

acute sinusitis
allergic sinusitis treaments
Treatment of Acute Sinusitis
acute sinusitis
Treatment of Acute Sinusitis

Drug Combo Fights Recurrent Ovarian Cancer Cell Growth

Title: Drug Combo Fights Recurrent Ovarian Cancer Cell Growth
Category: Health News
Created: 9/19/2008 2:00:00 AM
Last Editorial Review: 9/19/2008

So before you open that box of non-drowsy decongestants or reach for the nasal spray on your nightstand, give magnetic therapy a try. If its fast acting with no side effects, and never needs a refill, what do you have to lose?

Acute sinusitis occurs when the mucosa is irritated and inflamed. The small openings from the nose to the sinus cavities become congested (or even completely blocked), causing the facial pain and pressure most of us have experienced at some point in time. Mucus production is often increased as well, adding to the pressure, and causing that annoying runny nose symptom [3].

Did you know that every year, more than 35 million Americans suffer from sinusitis? Its one of the leading chronic diseases in the United States [1]. And its no wonder, as bacteria, viruses, cigarette smoke, and allergens like pollen, mold, dust mite feces and pet dander are all common causes of this condition [2]. Unless you live in a bubble, theres really no escaping these tiny antagonists.

Until recently, though, we didnt have much research to back these findings (other than our own records). But, while sifting through online abstracts from MRI research, I happened to stumble upon this:

2002 - An Ohio State University study compared differences in magnetic field susceptibility at tissue interfaces in the human head. "Considerable magnetic field inhomogeneities were observed in the inferior frontal lobes and inferior temporal lobes, particularly near the sphenoid sinus and the temporal bones."

What Therion products work best to help relieve sinusitis?

Based on our own research and experiences with clients and health practitioners over the years, weve observed that sinus congestion is dramatically improved or completely relieved with the application of magnetic therapy. In fact, taking about 20-30 minutes on average, its one of the conditions that biomagnetics alleviates quickest.

Refining our search, we were able to uncover other MRI studies confirming this finding. Heres a brief timeline of what was found:

Magnetic therapy is proven to be effective in reducing inflammation, a primary symptom of sinusitis. By reducing inflammation of the mucosa, mucous blockages can be drained and the sinus cavities reopened. This, allows you to breathe freely again, while eliminating the facial pain caused by pressure build-up.

1 Sinus News: Sinus Pressure

2 Sinus News: Sinus Facts Overview

3 The Sinus Treatment Center

4 The Allergy Relief Center

1983 -- PubMed: Magnetic bones in human sinuses.

1986 -- PubMed: High-field magnetic resonance imaging of paranasal sinus inflammatory disease.

1990 -- PubMed: Effect of field strength on susceptibility artifacts in magnetic resonance imaging.

1995 -- PubMed: Measurements of magnetic field variations in the human brain using a 3D-FT multiple gradient echo technique.

2002 -- PubMed: Three-dimensional numerical simulations of susceptibility-induced magnetic field inhomogeneities in the human head.

Dating back to 1983, a study was conducted to assess the influence of magnetic fields on the physiology and behavior of biological organisms, and to search for possible magnetic sources within the organisms themselves.

1986 - "Magnetic Resonance Imaging [using a 1.5 Tesla (15,000 Gauss) magnet and a spin echo technique] has revealed a remarkably intense signal from abnormal tissue in the human paranasal sinuses. Inflammatory disease in the maxillary, sphenoid, ethmoid, and frontal sinuses has been detected and demonstrated with greater clarity than any other available technique."

The sinuses are actually four pairs of hollow spaces in the bones of the face. Connected to the nose, air is allowed to flow in and out of these spaces. To help warm and filter the air, each sinus is lined with a mucous-producing membrane, called the mucosa [3].

These four independent studies all relate to the notion that human sinuses are magnetically sensitive. When compared to other regions of the head, more intense magnetic field readings are seen, and conditions of inflammation are more easily observed.

Many people turn to preventive methods like HEPA air filters, or frequent cleaning of carpets and bed sheets to reduce household allergens [4]. Decongestants, saline nasal sprays, and vaporizers are commonly used to treat the symptoms--but as you and I know, they take time to work.

This is where those studies come in. Theres an interesting, but little known fact about the sinuses: they are magnetically sensitive.

Quiet Discoveries Lead to Fast Sinus Relief

See you soon at www.therionresearch.com

When applied properly, magnetic therapy products can relieve sinus congestion in as little as 15 minutes. That's faster than any decongestant or vaporizer, lasts longer than most nasal sprays, and is completely free of any side effects (like dryness or burning). Not to mention, you won't need to worry about buying refills or possible addiction to certain nasal decongestants.

The Eye & Sinus Mask is designed specifically for relief of your sinus congestion. Inside it has 28 neodymium magnets covering areas around your eyes, forehead and upper cheeks. (The magnetic field has an effective penetration depth up to 2.5 inches.) You can expect sinus and headache relief within 15-25 minutes of wearing it.

What did we find? Well, let's just say if you've got a stuffy nose you should try magnets before sniffling through that bottle of nasal spray!

1990 - A study conducted at the UCLA School of Medicine tested conditions affected by MRI field strength. Results illustrated that "magnetic susceptibility artifacts are prevalent on the boundary of air-containing paranasal sinuses".

For even faster relief plus more restful sleep, Therion 's magnetic dual contour pillow is the perfect choice. The visco elastic (memory) foam is soft and comfortable, but also supportive. You'll actually feel it adjusting and conforming to the shape of your head and neck. It's ideal to use as a regular sleeping pillow, as the magnetic field reaches the pineal gland. This is a magnetically sensitive area in the brain that functions to induce sleep by secreting melatonin. (See the article "Having Trouble Sleeping" found in the Learning Center at www.therionresearch.com.

Its amazing what you can find when you start your search a little outside the bulls eye. While clicking through Magnetic Resonance Imaging research online, my colleagues and I found some intriguing scientific studies completely by accident!

So how does this lead to sinusitis relief?

The same magnetic material was also found in bees, homing pigeons, dolphins and other organisms--including humans. More specifically, the researchers found that "the bones of the sphenoid/ethmoid sinus complex of humans are magnetic and contain deposits of ferric iron". (The sphenoid/ethmoid sinuses are located between the eyes and progress inward towards the back of the head [3].)

It was found that a wide range of life forms could detect and orient to magnetic fields. (Like having a built-in compass.) Results showed magnetic orientation by bacteria was due to the presence of particles of magnetite (ferric/ferrous oxide) within the organisms.

SOURCES:

allergic sinusitis headache
allergic sinusitis infection
acute sinusitis Infection
allergic sinusitis headache
acute sinusitis Infection